JP2017045411A - Transfer management unit, transfer management method thereof, and transfer management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide means capable of determining that, when a transfer processing cannot be executed due to insufficient funds in a transfer transaction relevant to withdrawal of the charge, whether the transfer of an amount of money is made based on the will of the client.SOLUTION: The transfer management unit includes a determination section that determines executability of a transfer processing based on a piece of transfer information including a piece of account information including a balance of the account and transfer amount. When the account balance of the account information is larger than the transfer amount and is substantially the same as the amount in which the transfer amount and a predetermined amount are added, the determination section determines the transfer processing is executable.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a transfer management device, a transfer management method, and a transfer management system for managing a transfer in automatic withdrawal or online banking.

  The conventional automatic transfer system stores the non-self-transferable information when the transfer process could not be executed due to a shortage of balance, and when the customer received a deposit exceeding the non-transferable amount of the non-transferable information The transfer process of the transfer transaction related to the price withdrawal is executed (see, for example, Patent Document 1).

JP 2000-194786 (paragraphs 0029-0030, 0038-0042, FIG. 2)

  However, in the above-described conventional technology, in the transfer transaction related to the withdrawal, when a transfer error that cannot be executed due to a shortage of balance occurs, the amount received by the customer is based on the intention to transfer to the transfer process. Because the transfer process was executed without confirming whether the payment was received, the customer who received the payment made a deposit in advance in order to allocate the payment amount to other uses, for example, purchase of other products using a credit card. If it is a product, there is a problem that a balance shortage occurs at the time of transfer processing of the product price, resulting in unnecessary confusion.

  The present invention was made in order to solve the above problems, and in a transfer transaction related to payment withdrawal, a client who requested a transfer process as a customer when the transfer process could not be executed due to insufficient balance. It is an object of the present invention to provide means for determining whether or not the amount transferred by the client is an amount based on the client's intention to transfer.

  In order to solve the above-described problem, the present invention includes a determination unit that determines whether or not to execute a transfer process based on account information including an account balance of an account and transfer information including a transfer amount, and the determination unit includes: When the account balance of the account information is equal to or greater than the transfer amount and approximately equal to the transfer amount plus a predetermined amount, it is determined that the transfer process can be executed.

  In the present invention as described above, the transfer process is executed when the account balance of the client's account is equal to or more than the transfer amount and a predetermined amount is added to the transfer amount. For this reason, the amount transferred is not allocated to the transfer amount of the transfer process in which a transfer error has occurred, and an effect of preventing unnecessary confusion can be obtained.

The block diagram which shows the transfer management system of Example 1. The flowchart which shows the transfer process and transfer request transmission process of Example 1. The flowchart which shows the retry process of Example 1. Flowchart showing retry processing of embodiment 2

  Hereinafter, embodiments of a transfer management device, a transfer management method, and a transfer management system according to the present invention will be described with reference to the drawings.

Below, the transfer management system of a present Example is demonstrated using FIG. 1 thru | or FIG.
As shown in FIG. 1, the transfer management system of the present embodiment includes a host computer 2 installed in a financial institution such as a bank, a transfer management server 1, and a business such as a personal computer installed in a sales office of the financial institution. The store terminal 3 is connected to a client terminal 4 such as a personal computer or a portable terminal of a client who makes a transfer transaction related to the withdrawal, via a communication line 6 such as a dedicated line or a telephone line.

The client in this embodiment refers to an account opener (name holder) of an account (referred to as a contract account) used for automatic debiting of utility bills or online banking, etc. The sales office is a branch of a bank where the client has opened a contract account.
A transfer management server 1 as a transfer management device is a computer that is installed in a financial institution center and manages a transfer transaction related to automatic debiting or price deduction in online banking, and includes a server control unit 11, a communication unit 12, a storage unit 13 and the like.

The server control unit 11 and the communication unit 12 are connected to the host computer 2 and the branch office terminal 3 via the communication line 6 to control each unit in the transfer management server 1 and relate to the withdrawal on the designated transfer date. It has a function of transmitting a transfer request for a transfer transaction to the host computer 2, managing the transfer transaction related to the withdrawal, and executing a transfer possibility determination process in the retry process.
The storage unit 13 stores a program executed by the server control unit 11, various data used for the program, a processing result by the server control unit 11, and the like.

  In addition, the storage unit 13 includes a contract account information storage unit 14 for storing contract account information of a client's contract account used for a transfer transaction related to the price deduction, and the amount of money to be deducted from the contract account of the contractor on the designated transfer date. Transfer information stored in the transfer information storage unit 15 for storing the transfer information, and a transfer error transmitted from the host computer 2 when a transfer error such as a shortage of balance occurs during the transaction processing of the transfer transaction related to the withdrawal by the host computer 2 A transfer error information storage unit 16 that stores information, a client information storage unit 17 that stores client information of a client who is a contractor opener, and the like are formed.

  Furthermore, in the storage unit 13, a designated date transfer processing program having a function of transmitting a transfer request to the host computer 2 and executing a transfer transaction related to debiting, which is described with reference to FIG. Based on the transfer error information received from the computer 2, in order to perform the transfer allowance determination process in the retry process, which will be described with reference to FIG. 3, a retry case extraction unit, an error reason determination unit, a client information search unit, a contract account A transfer management processing program including an application program having functions for forming functional means such as a balance determination unit and a transfer request transmission unit is stored in advance.

The contract account information of the present embodiment is composed of the contract number of the contract account, the store number of the store that opened the contract account, the account number, the account information such as the account subject, and the like.
The transfer information includes a contract number, a recipient name, a recipient's account financial institution name, recipient information such as a recipient account number, a transfer amount, a designated transfer date, and the like.
The transfer error information includes the date and time when the transfer error occurred (including the year, month, day, hour, minute, and second. The error occurred date and time), the error reason for the transfer error that occurred, the account balance of the contract account when the transfer error occurred, and the transfer Consists of transaction transfer information.

The client information includes a contract number as client key information of the client, a customer ID, a client name, a contact information, a store number of a branch office that has opened a contract account, and the like.
A host computer 2 as a host device is a computer installed in a financial institution center for managing client accounts, and includes a host control unit 21, a communication unit 22, a storage unit 23, and the like.

The host computer 2 is connected to the transfer management server 1 and the client terminal 4 via the communication line 6 by the host control unit 21 and the communication unit 22, and controls each unit in the host computer 2 so that the client's account is stored. While managing, it has the function etc. which perform the transaction processing etc. of the transfer transaction concerning price withdrawal.
The storage unit 23 stores a program executed by the host control unit 21, various data used for the program, a processing result by the host control unit 21, and the like.

  In addition, in the storage unit 23, the customer information storage unit 24 for storing customer information for managing customer accounts, and the transaction contents for each transaction such as deposit / withdrawal and transfer are recorded in time series in correspondence with the customer ID. A history information storage unit 25 for storing the transaction history information, a temporary receiving port 26 that is a storage area for temporarily pooling transfer funds in a transfer transaction retry process related to payment withdrawal, and the like are formed.

Further, the storage unit 23 has a bill management program having a function of managing the deposit and withdrawal of the customer's account, etc., and a function of executing a transaction process of the transfer transaction related to the withdrawal, which will be described with reference to FIG. A host business execution program including an application program or the like is stored in advance.
The customer information of the present embodiment includes a customer ID as a client identifier for individually identifying a customer who is an account opener, account information such as a store number, an account number, an account subject, etc. Consists of account balances.

Below, the transfer process by the host computer 2 of this embodiment and the transfer request transmission process on the transfer designated date by the transfer management server 1 will be described according to the steps with reference to the flowchart shown in FIG.
The step name is S for the transfer management server 1 and SH for the host computer 2.
S1 (refer to the lower part of FIG. 2): When starting the transfer management process, the server control unit 11 of the transfer management server 1 searches the transfer information storage unit 15 in order to execute the transfer process on the specified transfer date. All the transfer information whose transfer date is the transfer designated date is extracted, and the process proceeds to step S2.

S2: The server control unit 11 that has extracted the transfer information creates a transfer request for each transfer information for executing the transfer whose transfer date is today, and batches or sequentially transfers each transfer request. Then, the data is transmitted to the host computer 2 via the communication line 6 by the communication unit 12.
For each of these transfer requests, the server control unit 11 reads the contract number from the transfer information, and based on the contract number, the customer ID and contract account information read from the corresponding client information in the client information storage unit 17. Account information such as the account number of the contract account read from the corresponding contract account information in the storage unit 14 and the transfer information are included.

  SH1 (refer to the upper part of FIG. 2): On the other hand, when the host control unit 21 of the host computer 2 starts accepting the transaction process, the acceptance end time for ending the acceptance of the transaction process while recognizing the current date and time by its clock function If the current date and time is not the reception end time, the process proceeds to step SH3. If the current date and time is the reception end time, the process proceeds to step SH2.

In this case, the reception end time is the end time of the entire bank in the case of a transfer transaction addressed to another bank, or the host reception in which the host computer 2 ends the reception of the transfer transaction process in the case of a transfer transaction addressed to its own bank such as the head office or branch. This is the later of the end times.
SH2: Recognizing that the current date and time is the reception end time, the host control unit 21 sends a reception end notification to the effect that the transfer transaction has been received through the communication line 6 to the transfer management server 1 ( It transmits to step S3) and ends the acceptance process of today's transfer transaction.

SH3: The host control unit 21 receives a transfer request from the client terminal 4 by the communication unit 22, reception of a transfer request via the connector A from the transfer management server 1 (step S2 in FIG. 3 or step SA16 in FIG. 3), and the like. When the transfer request is received, the process proceeds to step SH4. When the transfer request has not been received, the process proceeds to step SH7.
SH4: The host control unit 21 that has received the transfer request executes a transfer process for the transfer transaction.

  That is, the host control unit 21 searches the customer information storage unit 24 of the storage unit 23 based on the customer ID included in the transfer request and identifies the corresponding customer information, and the account number of the customer information and the transfer request After confirming the match with the account number of the contract account, the transfer amount is withdrawn from the account and the account balance of the requester is updated, and the transfer amount and payee account number are sent to the financial institution of the payee information of the transfer information. The transfer request with the transfer attached is transmitted to request the transfer amount, and it is determined that the transfer process has been completed normally, and the process proceeds to step SH5.

At this time, if the account balance of the client's account is insufficient, or if the transfer to the recipient is not possible due to a system stop due to a communication failure or the like, it is determined that a transfer error has occurred, and the process proceeds to step SH5. Transition.
SH5: The host control unit 21 that has executed the transfer process proceeds to step SH6 if a transfer error occurs during the execution of the transfer process. If the process ends normally, the process returns to step SH1 and waits in the waiting state for the reception end time by SH1, waiting in the transfer request reception waiting state by SH3, balance in SH7 to be described later, standby in the waiting state for receiving the transfer history request, The standby in the waiting state for receiving the transfer fund pool request by SH9 is continued.

SH6: Recognizing that a transfer error occurred during execution of the transfer process, the host control unit 21 determines the date and time of the error, the reason for the generated transfer error (insufficient balance, system stoppage, etc.), and the contract account at the time of the transfer error. Transfer error information including account balance, transfer information of the transfer transaction, etc. is created, and the created transfer error information is transmitted to the transfer management server 1 (step S3).
S3: After transmitting the transfer request, the server control unit 11 of the transfer management server 1 waiting for the transfer error information from the host computer 2 by the communication unit 12 receives the transfer error information. The process proceeds to S4. If the transfer error information has not been received, the process proceeds to step S5.

S4: Upon receiving the transfer error information, the server control unit 11 stores the processing status of the received transfer error information as “unprocessed” in the transfer error information storage unit 16 of the storage unit 13, and proceeds to step S5.
S5: The server control unit 11 waits for reception of the reception end notification from the host computer 2, and proceeds to step S9 when the reception end notification from the host computer 2 has not been received. When the reception end notification is received from the host computer 2, the process proceeds to step S6.

S6: The server control unit 11 that has received the reception end notification from the host computer 2 has transfer error information stored in the transfer error storage unit 16 of the storage unit 13 and whose processing status is “unprocessed”. If the relevant transfer error information exists, the process proceeds to step S7.
If there is no relevant transfer error information, today's transfer management process is terminated.
S7: Recognizing the existence of the transfer error information whose processing status is “unprocessed”, the server control unit 11 creates an error notification that the price could not be withdrawn due to a shortage of balance, and proceeds to step S8. Transition.

S8: The server control unit 11 that has created the error notification reads the corresponding client information from the client information storage unit 17 of the storage unit 13, and reads the store number of the store that opened the contract account from the client information. The created error notification and the read client information are transmitted to the branch terminal 3 of the branch through the communication line 6 by the communication unit 12, and the transfer management process for today is terminated.
In this case, the store terminal 3 that has received the error notification displays the received error notification on the display screen, and the store employee or the like that has recognized the error notification makes a call to that effect or sends an e-mail to the client terminal 4 or the like. Contact the client by

S9: The server control unit 11 performs retry execution of retry processing that performs transfer processing that cannot be transferred (withdrawn) due to the occurrence of a transfer error periodically or at any time while recognizing the current date and time by the clock function. When waiting for the arrival of time and the current date and time is the retry execution time, the process proceeds to a retry process (step SA1 in FIG. 3 and the like).
If the current date and time is not the retry execution time, the process returns to step S3, waiting in the transfer error information reception waiting state in step S3, waiting in the reception end notification reception waiting state in step S5, retry execution time in step S9 Continue waiting in the wait state.

  SH7: On the other hand, the host control unit 21 of the host computer 2 that has shifted to this step because the transfer request has not been received in step SH3, the connector C from the transfer management server 1 (step SA9 in FIG. 3 and the like) When the balance and transfer history request are received, the process proceeds to step SH8. If no balance or transfer history request has been received, the process proceeds to step SH9.

  SH8: The host control unit 21 that has received the balance and transfer history request from the transfer management server 1 searches the customer information storage unit 24 of the storage unit 23 based on the balance, the customer ID included in the transfer history request, and the like. The corresponding customer information is specified and the history information storage unit 25 of the storage unit 23 is searched to specify the corresponding transaction history information. The client's account balance is read from the specified customer information and the specified transaction history information is used. Transfer history information is extracted, and these account balance and transfer history information are transmitted to the transfer management server 1.

SH9: The host control unit 21 waits for reception of a transfer fund pool request via the connector E from the transfer management server 1 (step SA15 in FIG. 3 etc.) and receives the transfer fund pool request. Sometimes, the process proceeds to step SH10.
If the transfer fund pool request has not been received, the process returns to step SH1, waiting in the waiting state for the acceptance end time by SH1, waiting in the transfer request reception waiting state by SH3, balance in SH7, waiting for receiving the transfer history request And waiting in the transfer fund pool request reception waiting state by SH9.

  SH10: The host control unit 21 that has received the transfer fund pool request from the transfer management server 1 searches the customer information storage unit 24 of the storage unit 23 based on the customer ID included in the transfer fund pool request, and corresponds. The customer information is identified, and the amount of money transferred (see step SA15 in FIG. 3) included in the money transfer pool request is withdrawn from the client account of the customer information to update the account balance of the client, and withdrawn. The transfer funds are stored in the temporary reception port 26 of the storage unit 23 in correspondence with the customer ID, and the process returns to step SH1, waiting in the waiting state for the reception end time by SH1, waiting in the waiting state for receiving the transfer request by SH3, The balance in SH7, waiting in a transfer history request reception waiting state, and waiting in a transfer fund pool request reception waiting state in SH9 are continued.

The transfer funds stored in the temporary receipt port 26 are transferred when a transfer request is received via the connector A from the transfer management server 1 (step SA16 in FIG. 3 or the like) at the time of a retry process to be described later (step Provision is made for the transfer amount in SH4).
In this way, the transfer process by the host computer 2 of this embodiment and the transfer request transmission process on the transfer designated date by the transfer management server 1 are executed.

The retry process by the transfer management server 1 of this embodiment will be described below according to the steps indicated by SA in FIG.
The retry process according to the present embodiment is a transfer process related to the transfer error information stored in the transfer error storage unit 16 of the storage unit 13 of the transfer management server 1 every time the retry execution time arrives. It is executed in order to carry out again while judging.

  SA1: The server control unit 11 of the transfer management server 1 shifted from step S9 in FIG. 2 to execute the retry process when the current date and time has reached the retry execution time is stored in the transfer error storage unit 16 of the storage unit 13. Check if there is any transfer error information whose processing status is "Unprocessed" (also referred to as "Unprocessed" transfer error information), and if there is "Unprocessed" transfer error information The process proceeds to step SA2.

If there is no “unprocessed” transfer error information, the process proceeds to step SA17.
In addition, when there is no “unprocessed” transfer error information in this embodiment, there is no “unprocessed” transfer error information from the start of the previous retry process to the start of the current retry process. If it is not stored, it means a case where all the transfer enable / disable determination processing of “unprocessed” transfer error information stored at the start by executing this retry process is completed.

SA2: Recognizing the existence of “unprocessed” transfer error information, the server control unit 11 searches the transfer error information stored in the transfer error storage unit 16, and transfers the processing status as “unprocessed”. The number of error information is counted, and the number N of unprocessed cases, which is the total number, is counted.
SA3: The server control unit 11 that has counted the number of unprocessed cases N initializes the repetition variable n to “0” and proceeds to step SA4.
SA4: The server control unit 11 adds “1” to the repetition variable n, increments the repetition variable n, and proceeds to Step SA5.

SA5: The server control unit 11 that has incremented the repetition variable n ends the current transfer feasibility determination processing when the incremented repetition variable n exceeds the unprocessed number N, and proceeds to Step SA17.
If the incremented repetition variable n is equal to or less than the number of unprocessed cases N, the continuation of the transfer possibility determination process is recognized and the process proceeds to step SA6.
SA6: Recognizing the continuation of the transfer allowance determination process, the server control unit 11 reads one item of “unprocessed” transfer error information stored in the transfer error storage unit 16, and transfers the transfer error information in the transfer error storage unit 16. Is rewritten to “Processing”, and the process proceeds to Step SA7.

SA7: The server control unit 11 that has read one transfer error information determines suitability of the transfer error information for the transfer permission / inhibition determination process.
That is, the server control unit 11 reads the error reason included in the transfer error information, and if the error reason is insufficient, the server control unit 11 determines that it is suitable and proceeds to step SA9.
If the reason for the error is other than a shortage of balance (system stopped, etc.), it is determined as nonconforming and the process proceeds to step SA8.

SA8: The server control unit 11 that has determined that the transfer error information conforms to the transfer permission / inhibition determination process is non-compliant, writes the processing status of the transfer error information in “Store notification” indicating that the transfer error information is subject to notification. At the same time, a notification reason (reason for system stoppage, etc.) is additionally recorded in the transfer error information, and the process proceeds to step SA4.
SA9: The server control unit 11 that has determined that the suitability of the transfer error information for the transfer permission / inhibition process is compatible (insufficient balance), the current account balance of the contract account related to the transfer error information, and the transfer transaction of the client The balance for acquiring the transfer history information and the transfer history request are transmitted to the host computer 2 (step SH7 in FIG. 2) via the connector C.

For this balance and transfer history request, the server control unit 11 reads the contract number from the transfer information of the transfer error information, and based on the contract number, the customer read from the corresponding client information in the client information storage unit 17 Account information such as the account number of the contract account read from the corresponding contract account information in the ID and contract account information storage unit 14 is included.
SA10: After transmitting the balance and transfer history request, the server control unit 11 waiting for receipt of the account balance and transfer history information from the host computer 2 (step SH8 in FIG. 2) receives the account balance and transfer history information. Is received, the received account balance and transfer history information are temporarily stored in the storage unit 13, and the process proceeds to step SA11. When the account balance and the transfer history information are not received, the standby is continued.

  SA11: Upon receiving the account balance and the transfer history information from the host computer 2, the server control unit 11 recognizes the transfer amount included in the transfer information of the transfer error information as the transfer amount related to the price reduction, and this transfer The amount is compared with the received account balance at the present time, and if the account balance is not less than the withdrawal amount, the process proceeds to step SA12. If the account balance is less than the withdrawal amount, it is determined that retransfer of the transfer error information is impossible due to a shortage of balance, and the process proceeds to step SA14.

SA12: The server control unit 11 that has confirmed that the account balance of the client's contract account is equal to or greater than the withdrawal amount calculates a determination amount and a predetermined amount for determining the client's transfer intention.
That is, the server control unit 11 subtracts the transfer amount (= withdrawal amount) for executing the transfer process related to the transfer error information from the account balance at the time of the transfer error occurrence of the transfer error information, and performs the transfer transaction. Calculate the amount of deficiency necessary for execution, calculate the amount of money calculated by rounding up the amount of money in the second and subsequent digits of the calculated amount of deficit, and set the amount to be rounded off. Subtract and calculate the predetermined amount.

Specifically, the transfer amount for executing the transfer process related to the transfer error information is 2808 yen, which is 2600 yen for goods and utilities, plus 8% consumption tax. When the account balance of the contract account is 1000 yen, the shortage amount 1808 yen is calculated by subtracting the account balance 1000 yen at the time of the transfer error from the transfer amount 2808 yen.
Then, the judgment amount 2000 yen is calculated by rounding up the second digit from the shortage amount 1808 yen, and the predetermined amount 192 yen is calculated by subtracting the deficit amount 1808 yen from the calculated judgment amount 2000 yen.
Since the predetermined amount is a difference caused by rounding up the shortage amount, a determination amount obtained by adding the predetermined amount to the shortage amount is substantially the same as the shortage amount.

  In this way, a determination amount for determining the client's intention to transfer is calculated, that is, a determination for determining that the amount is transferred with the intention of allocating to the transfer amount of the transfer error information. The amount to be calculated is the amount of the withdrawal (transfer amount) related to the withdrawal of the price, which is the amount of goods and utility charges plus consumption tax. When there is a transfer error due to a shortage of balance, or a client who has recognized that a transfer has been made, transfer from the convenience store ATM that cannot accept deposits including coins or from an ATM at an unmanned booth at another bank to make a transfer payment In addition, the transfer amount of the same amount as the shortage amount can not be transferred, the amount after the second digit is rounded up to the banknote unit (1,000, 5,000, 10,000 yen in Japanese yen) Because it seems to be.

  In addition, even in the case of transfer payments by ATMs or net banking of other banks where transfer payments including coins can be made, it is rare to enter transfer funds up to the last 1-digit unit and make allowances for deficiencies. This is because it is considered that a troublesome input operation that is highly likely to be negligent is omitted, and that a good amount of money is rounded up in the second and subsequent digits.

  SA13: The server control unit 11 that has calculated the determination amount (= insufficient amount + predetermined amount) transfers money after the error occurrence date from the transfer history information temporarily stored in the storage unit 13, based on the error occurrence date / time of the transfer error information. The payment history information is extracted, the transfer amount of the extracted transfer payment history information is compared with the transfer amount for executing the transfer process related to the transfer error information, and the client's intention to transfer is determined.

  That is, when the extracted transfer amount is equal to or less than the determination amount (= insufficient amount + predetermined amount), the server control unit 11 determines that the transfer amount is an amount due to the client's intention to transfer, The process proceeds to step SA15 to retransfer the transfer error information. If the transfer amount is more than the judgment amount (= insufficient amount + predetermined amount), the transfer amount is the amount paid in advance to allocate for other purposes, that is, the amount due to the client's intention to transfer Therefore, it is determined that the transfer error information cannot be retransferred, and the process proceeds to step SA14.

  In this case, it is confirmed whether or not the transfer person who transferred the transfer amount and the client (name holder) who is the contract account opener are the same. If they are the same, the transfer process is executed. However, if they are different, it is assumed that the transfer deposit history information has not been transferred even if the transfer deposit amount is less than or equal to the judgment amount. This is because when the transfer person and the requester are different, it cannot be said that the transfer amount is based on the transfer intention of the requester.

SA14: In step SA11 and SA13, the server control unit 11 that has determined that retransfer of the transfer error information cannot be performed, rewrites the processing status of the transfer error information in the transfer error information storage unit 16 to “unprocessed”. Returning to step SA4, the transfer possibility determination process for the next transfer error information is continued while incrementing the repetition variable n.
SA15: In step SA13, the server control unit 11 that has determined that the transfer of the transfer error information can be re-transferred, joins the transfer fund pool request for pooling the transfer funds allocated for the transfer transaction of the transfer error information. The data is transmitted to the host computer 2 (step SH9 in FIG. 2) via the child E.

  For this fund transfer pool request, the server control unit 11 reads the contract number from the transfer information of the transfer error information, and based on the contract number, the customer ID read from the corresponding client information in the client information storage unit 17. , Account information such as the account number of the contract account read from the corresponding contract account information in the contract account information storage unit 14, and the amount of funds to be transferred (in this embodiment, a transfer for executing a transfer process related to the transfer error information) Amount (= the same amount as the withdrawal amount)).

  SA16: The server control unit 11 that has transmitted the transfer fund pool request transmits a transfer request for executing retransfer of the transfer error information to the host computer 2 (step SH3 in FIG. 2) via the connector A. Then, the processing status of the transfer error information is rewritten to “processed”, the process returns to step SA4, and the transfer possibility determination process for the next transfer error information is continued while incrementing the repetition variable n.

  For this transfer request, the server control unit 11 reads the contract number from the transfer information of the transfer error information, and based on the contract number, the customer ID read from the corresponding client information in the client information storage unit 17, Account information such as the account number of the contract account read from the corresponding contract account information in the contract account information storage unit 14 and transfer information of the transfer error information are included.

  SA17: Server control shifted to this step due to the absence of “unprocessed” transfer error information for executing the retry process in step SA1, or shifted from step SA5 due to the end of the current transfer possibility determination process. The unit 11 checks the presence / absence of the transfer error information stored in the transfer error storage unit 16 of the storage unit 13 and whose processing status is “notification of sales office”. Control goes to step SA18.

If the corresponding transfer error information does not exist, the process returns to step S3 in FIG. 2 via the connector B, waiting in the transfer error information reception waiting state in step S3, and waiting in the reception end notification reception waiting state in step S5. The waiting in the retry execution time waiting state in step S9 is continued.
SA18: Recognizing the existence of the transfer error information whose processing status is “sales office notification”, the server control unit 11 reads the notification reason included in the transfer error information, and the notification reason (system stop other than insufficient balance) For this reason, an error notification indicating that the price could not be withdrawn is created, and the process proceeds to step SA19.

  SA19: The server control unit 11 that has created the error notification reads the corresponding client information from the client information storage unit 17 of the storage unit 13, and reads the store number of the store that opened the contract account from the client information. The generated error notification and the read client information are transmitted to the sales office terminal 3 of the sales office, and the process returns to step S3 in FIG. The standby in the reception end notification reception waiting state in step S5 and the standby in the retry execution time waiting state in step S9 are continued.

In this case, the store terminal 3 that has received the error notification displays the received error notification on the display screen, and the store employee or the like that has recognized the error notification makes a call to that effect or sends an e-mail to the client terminal 4 or the like. Contact the client by
Thus, the retry process including the transfer permission / inhibition determination process by the transfer management server 1 of the present embodiment is executed.

  As described above, in this embodiment, in the transfer permission determination process of the retry process, when the error reason of the transfer error information is insufficient balance, the account balance and transfer history information of the client's contract account are confirmed and transferred. If there is a transfer payment in the history information that is not less than the transfer amount for executing the transfer process related to the transfer error information and is less than or equal to the judgment amount, the transfer payment is the transfer payment by the client's intention to transfer Because the transfer process of the transfer error information is automatically executed, the transfer money for the client to allocate for other uses is no longer allocated to the transfer amount of the transfer error information. In addition to preventing confusion, it is possible to improve the efficiency of the paperwork by omitting the liaison work by the financial institution when the transfer error occurs and the re-transfer procedure of the client.

Further, in this embodiment, since the retry process is automatically executed, it is possible to reduce the trouble that the transfer on the designated transfer date cannot be performed.
In this embodiment, the client's intention to transfer is determined by the transfer process related to the transfer error information, because the transfer amount of the transfer history information is equal to or less than the judgment amount (= insufficient amount + predetermined amount). Although it has been described that it is determined that the amount of money has been transferred with the intention of allocating to the amount of money to be transferred, and a transfer request for retransfer is sent, the current time point acquired from the host computer 2 in step SA10 above. The determination may be made based on the account balance.

  That is, in step SA11 described above, the predetermined amount that is the amount obtained by subtracting the deficiency from the determination amount, which is obtained by subtracting the deficit amount obtained by subtracting the transfer amount from the account balance at the time of occurrence of the transfer error, as described in step SA12. (Difference caused by rounding up the shortage amount) is determined, that is, the current account balance is the sum of the transfer amount and the shortage amount, so the transfer process related to the transfer error information is executed. For this reason, it is determined that there has been a transfer deposit due to the client's transfer intention if the transfer amount is not less than the transfer amount and not more than the sum of the transfer amount and a predetermined amount. In this case, the balance and transfer history request transmitted in step SA9 is set as a balance request, and in step SA10, the account balance is received from the host computer 2, and in step SA11, the client's intention is determined as described above. Then, it is preferable to move to step SA14 or SA15 and omit step SA13.

  In this way, the same effect as described above can be obtained, the acquisition of the transfer history information from the host computer 2 can be omitted, and the communication process with the host computer 2 can be simplified, It is possible to shorten the time required for the communication process and improve the processing efficiency in the retry process.

The retry process according to this embodiment will be described below with reference to FIG. Note that parts similar to those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.
The transfer management system of this embodiment is the same as that of the first embodiment (FIG. 1).
In the storage unit 13 of the transfer management server 1 of the present embodiment, the contract account information storage unit 14, the transfer information storage unit 15, the transfer error information storage unit 16, the client information storage unit 17 and the like are the same as in the first embodiment. Is formed.

In addition, the storage unit 13 stores a transfer date determination process in the retry process, which is described using FIG. 4, based on the designated date transfer process program similar to that in the first embodiment and the transfer error information received from the host computer 2. In order to do so, there is a transfer management processing program comprising an application program having functions to form functional means such as a retry case extraction unit, an error reason determination unit, a client information search unit, a contract account balance determination unit, a transfer request transmission unit, etc. Stored in advance.
Furthermore, when there are a plurality of transfer error information with the same client, the storage unit 13 stores the plurality of transfer error information in association with the contract number of the client as the same person error information. The same person error information storage area is secured in advance.

Since the configuration of the contract account information, transfer information, transfer error information, and client information in this embodiment is the same as that in the first embodiment, description thereof is omitted.
In the storage unit 23 of the host computer 2 of the present embodiment, a customer information storage unit 24, a history information storage unit 25, a temporary receptacle 26, and the like are formed as in the first embodiment.
In addition, the storage unit 13 stores in advance a host business execution program composed of a bill management program, an application program having a function of executing a transaction process for a transfer transaction related to the withdrawal, similar to the first embodiment. ing.

Since the configuration of the customer information in this embodiment is the same as that in the first embodiment, the description thereof is omitted.
The processing operations of the transfer process by the host computer 2 and the transfer request transmission process on the transfer designated date by the transfer management server 1 in this embodiment are the same as those in the first embodiment (FIG. 2), and the description thereof will be omitted. In this embodiment, when quoting the processing operations of the transfer process and the transfer request transmission process, the same step name as that used in the first embodiment is used.
The retry process by the transfer management server 1 according to the present embodiment will be described below according to the steps indicated by SB in FIG.

  SB1: The server control unit 11 of the transfer management server 1 that has shifted from step S9 in FIG. 2 to execute the retry process when the current date and time has reached the retry execution time is stored in the transfer error storage unit 16 of the storage unit 13. Search for "unprocessed" transfer error information that has been made, extract the "unprocessed" transfer error information with the same contract number of the client, and extract the extracted multiple transfer error information to the same person Error information is stored in the same person error information storage area of the storage unit 13 in association with the contract number. When a plurality of same person error information is extracted, a plurality of same person error information linked to different contract numbers is stored in the same person error information storage area.

SB2: The server control unit 11 storing the same person error information confirms whether or not there is the same person error information stored in the same person error information storage area. If there is one or more same person error information, step SB3 is performed. Migrate to
In the case where the same person error information does not exist, in order to execute the retry process of the transfer error information of the client who has generated the transfer error only once, which does not belong to the same person error information, the first embodiment is connected via the connector F. The process proceeds to step SA1 (FIG. 3).

In the present embodiment, when the same person error information does not exist, the transfer error information of “unprocessed” with the same requester is 1 between the start of the previous retry process and the start of the current retry process. If no information is stored, it means a case where the transfer error determination process for the same-person error information stored at the start is completed by executing this retry process.
SB3: The server control unit 11 that has recognized the existence of the same person error information uses a plurality of “unprocessed” transfer error information stored in the same person error information storage area in order to execute the transfer permission determination process. The same-person error information for one person is read out, the processing status of each “unprocessed” transfer error information of the same-person error information is rewritten to “processing”, and the process proceeds to step SB4.

SB4: The server control unit 11 that has read the same person error information for one person determines suitability of each transfer error information for the transfer permission / inhibition determination process.
That is, the server control unit 11 reads the error reason included in each transfer error information, and when the error reason is other than a shortage of balance (system stop, etc.), it is determined as non-conforming, and the transfer error information determined as non-conforming When the processing status is rewritten to “Store notification” indicating that it is subject to store notification, and the reason for notification (reason for system stoppage, etc.) is additionally recorded in the transfer error information, and the error reason is insufficient Is determined to be suitable, and the process proceeds to step SB5.

SB5: The server control unit 11 that has completed the suitability determination of each transfer error information of the same person error information determines that all the transfer error information is non-conforming (the processing status has been rewritten to “store notification”). If so, the process proceeds to step SB20.
If it is determined that at least one of the transfer error information is compatible (the processing status remains “processing”), the process proceeds to step SB6.

SB6: The server control unit 11 that has determined that each transfer error information is compatible (insufficient) with respect to the transfer permission information determination process of at least one transfer error information, and the current account balance of the contract account related to the transfer error information Then, the balance for acquiring the transfer history information of the transfer transaction of the client and the transfer history request are transmitted to the host computer 2 (step SH7 in FIG. 2) via the connector C.
For this balance and transfer history request, the server control unit 11 reads the customer ID and contract read from the corresponding client information in the client information storage unit 17 based on the contract number associated with the same person error information. Account information such as the account number of the contract account read from the corresponding contract account information in the account information storage unit 14 is included.

  SB7: After transmitting the balance and transfer history request, the server control unit 11 waiting for receipt of the account balance and transfer history information from the host computer 2 (step SH8 in FIG. 2) Is received, the received account balance and transfer history information are temporarily stored in the storage unit 13, and the process proceeds to step SB8. When the account balance and the transfer history information are not received, the standby is continued.

SB8: Upon receiving the account balance and the transfer history information from the host computer 2, the server control unit 11 reads all the transfer error information whose processing status of the transfer error information is “processing”, and reads each transfer error. The transfer amount included in the information transfer information is recognized as the withdrawal amount related to the price withdrawal, and the total withdrawal amount is calculated by adding the respective withdrawal amounts.
SB9: The server control unit 11 that has calculated the total withdrawal amount compares this total withdrawal amount with the received account balance at the current time point. If the account balance is equal to or greater than the total withdrawal amount, the server controller 11 reads in step SB8. Then, it is determined that the batch processing of the retransfer related to all the transfer error information is possible, and the process proceeds to Step SB10.

If the account balance at the current time point is less than the total withdrawal amount, it is determined that re-transfer batch processing relating to all the transfer error information read in step SB8 is impossible, and the process proceeds to step SB11.
SB10: The server control unit 11, which has determined that the re-transfer process can be collectively processed because the current account balance is equal to or greater than the total withdrawal amount, calculates a determination amount and a predetermined amount for determining the client's transfer intention To do.

That is, the server control unit 11 subtracts the transfer amount (= total withdrawal amount) for executing the transfer process related to the same person error information from the account balance at the time of the transfer error occurrence of the transfer error information, Calculate the amount of shortage required to execute the transfer transaction, and calculate the judgment amount that is rounded up to the second digit from the top of the calculated shortage amount to make it a good amount. The predetermined amount is calculated by subtracting the shortage amount.
In this case, the account balance at the time of occurrence of the transfer error has the latest error occurrence date / time among the plurality of transfer error information, that is, the transfer error of the latest transfer error information (in this step, transfer error information A). Use the account balance of the contract account at the time of occurrence.

Specifically, the withdrawal amount A of the transfer error information A is 2808 yen including the consumption tax added to the price of 2600 yen, and the withdrawal amount B of the transfer error information B added the consumption tax to the price of 1800 yen. 1944 Yen, and when the withdrawal amount C of the transfer error information C is 2484 Yen, which is a price of 2300 Yen plus consumption tax, the transfer amount for executing the transfer process related to the same person error information is It is 7236 yen, and the shortage amount 6236 yen is calculated by subtracting the account balance 1000 yen of the contract account at the time of the transfer error occurrence of the latest transfer error information A.
Then, the determination amount 7000 yen is calculated by rounding up the second digit from the shortage amount 6236 yen, and the predetermined amount 764 yen is calculated by subtracting the shortage amount 6236 yen from the calculated determination amount 7000 yen.

SB11: The server control unit 11 that determines that re-transfer batch processing is impossible due to the current account balance being less than the total withdrawal amount, limits the account balance at the current time in a predetermined condition. And transfer error information that matches the condition that the transfer amount (the total amount of the withdrawal amount) is closest to the current account balance.
That is, the server control unit 11 sums the withdrawal amounts of the plurality of transfer error information extracted in the above step SB8 in all combinations, and among the calculated total amounts, the withdrawal amount is deducted with the current account balance. A combination that is possible and whose calculated total is closest to the current account balance is extracted.

  Specifically, as described in step SB10 above, the withdrawal amount A of the transfer error information A is 2808 yen obtained by adding a consumption tax to the price of 2600 yen, and the withdrawal amount B of the transfer error information B is , The price is 1944 yen plus consumption tax, 1944 yen, the withdrawal amount C of the transfer error information C is 2484 yen plus consumption tax to the price 2300 yen, and the current account balance is 6000 yen If there is any combination of transfer error information A + B (total amount = 4752 yen), transfer error information A + C (total amount = 5292 yen), and transfer error information B + C (total amount = 4428 yen) Transfers can be made for error information, but among the transfer amounts (total amount of withdrawals), the combination closest to the current account balance of 6000 yen is the transfer error information A + C (total amount = 5292 yen) Since, to extract these transfer error information A and C as can transfer error information.

In the above case, when the current account balance is 3000 yen, any one of the transfer error information can be transferred, but the account balance at the current time is included in the transfer amount (withdrawal amount). Since the transfer error information that is the most in 3000 yen is the transfer error information A (withdrawal amount = 2808 yen), the transfer error information A is extracted as transferable error information.
SB12: If the server control unit 11 that has extracted the transferable error information has extracted the transferable error information that matches a predetermined condition, the server control unit 11 proceeds to step SB13. If the transferable error information that matches the predetermined condition cannot be extracted, the process proceeds to step SB17.

  SB13: The server control unit 11 that has extracted the transferable error information that matches the predetermined condition rewrites the processing status of the transfer error information that has not been extracted because the predetermined condition is not satisfied, to “unprocessed”. Transfer amount for executing the transfer process related to the same person error information by summing the withdrawal amount of one or more extracted transfer error information (including the case where there is one extracted transfer error information) Is calculated.

Specifically, when the combination of the transfer error information A and C is extracted, the withdrawal amount A = 2808 yen of the transfer error information A and the withdrawal amount C− = 2484 yen of the transfer error information C are totaled. The transfer amount 5292 yen is calculated, and the processing status of the transfer error information B that has not been extracted is rewritten to “unprocessed”.
When only the transfer error information A is extracted, the withdrawal amount A = 2808 yen of the transfer error information A is replaced with the transfer amount as it is, the transfer amount 2808 yen is calculated, and the transfer error information B and the transfer not extracted are calculated. The processing status of error information C is rewritten to “unprocessed”.

SB14: The server control unit 11 that has calculated the transfer amount has the latest error in which the date and time of error occurrence is the latest among the plurality of extracted transfer error information (including the case where there is one extracted transfer error information). The shortage amount is calculated by reading the account balance of the contract account when the transfer error occurs in the information (if the extracted transfer error information is one, the transfer error information).
In this step, it is assumed that the latest transfer error information is transfer error information A, and the account balance of the contract account at the time of the transfer error is 1000 yen.

Specifically, when a combination of the transfer error information A and C is extracted, the total amount of the withdrawal amount of the extracted transfer error information A and C is 5292 yen, and the transfer error of the latest transfer error information A Since the account balance of the contract account at the time of occurrence is 1000 yen, the shortage is calculated to be 4292 yen.
In addition, when only the transfer error information A is extracted, the total amount of the withdrawal amount A of the transfer error information A is 2808 yen, and the account balance of the contract account when the transfer error of the transfer error information A occurs is 1000 yen. Therefore, the shortage is calculated as 1808 yen.

SB15: The server control unit 11 that has calculated the shortage amount calculates a determination amount and a predetermined amount for determining the client's intention to transfer.
In other words, the server control unit 11 calculates a determination amount that rounds up the amount in the second and subsequent digits from the top of the calculated shortage amount to a good amount, and subtracts the shortage amount from the determination amount to obtain the predetermined amount. calculate.

Specifically, when the combination of the transfer error information A and C is extracted, the determination amount 5000 yen is calculated by rounding up the second digit from the shortage amount 4292 yen, and the shortage amount 4292 is calculated from the calculated determination amount 5000 yen. The predetermined amount 708 yen is calculated by subtracting the yen.
When only the transfer error information A is extracted, the shortage amount is calculated by rounding up the second digit from 1808 yen to calculate the judgment amount 2000 yen, and subtracting the shortage amount 1808 yen from the calculated judgment amount 2000 yen. A fixed amount of 192 yen is calculated.

  SB16: In step SB10 or SB15, the server control unit 11 that has calculated the determination amount (= insufficient amount + predetermined amount) temporarily stores the transfer in the storage unit 13 based on the error occurrence date and time of the most recent transfer error information A. From the history information, transfer payment history information after the error occurrence date is extracted, and the transfer amount of the extracted transfer payment history information is compared with the transfer amount for executing the transfer process related to the same person error information Determine the client's intention to transfer.

  That is, when the extracted transfer amount is equal to or less than the determination amount (= insufficient amount + predetermined amount), the server control unit 11 determines that the transfer amount is an amount due to the client's intention to transfer, The process proceeds to step SB18 in order to perform retransfer related to the same person error information. If the transfer amount exceeds the judgment amount (= insufficient amount + predetermined amount), it is determined that the transfer amount is not the amount due to the client's intention to transfer, and re-transfer related to the same person error information Is not allowed to proceed to step SB17.

SB17: In step SB12 and SB16, the server control unit 11 that has determined that the re-transfer related to the same person error information cannot be executed, the transfer error information whose processing status of the same person error information is “processing”. The processing status is rewritten to “unprocessed” and the process proceeds to step SB20.
SB18: In step SB16, the server control unit 11 that has determined that the re-transfer related to the same person error information can be executed is a transfer fund pool for pooling transfer funds allocated to the transfer transaction related to the same person error information The request is transmitted to the host computer 2 (step SH9 in FIG. 2) via the connector E.

  For this transfer fund pool request, the server control unit 11 reads the customer ID and contract account read from the corresponding client information in the client information storage unit 17 based on the contract number associated with the same person error information. Account information such as the account number of the contract account read from the corresponding contract account information in the information storage unit 14 and the amount of the transfer fund (in this embodiment, the same amount as the transfer amount for executing the transfer process related to the transfer error information) ) Etc. are included.

  SB19: The server control unit 11 that has transmitted the transfer fund pool request executes retransfer of each transfer error information (transfer error information whose processing status is “processing”) related to the same person error information. Then, a transfer request is created for each transfer error information, and each transfer request is sent to the host computer 2 (step SH3 in FIG. 2) via the connector A in batch or sequentially, and the transfer request is sent. The processing status of each transfer error information is rewritten to “processed”, and the process proceeds to step SB20.

  For this transfer request, the server control unit 11 stores the customer ID and contract account information read from the corresponding client information in the client information storage unit 17 based on the contract number associated with the same person error information. Account information such as the account number of the contract account read from the corresponding contract account information of the section 14 and transfer information of the transfer error information are included.

SB20: The server control unit 11 that has completed the retry process for each transfer error information of the same-person error information for one person read in step SB3, stores the same-person error information in the transfer error information storage unit 16 of the storage unit 13. Each transfer error information corresponding to each transfer error information is replaced with each transfer error information for which the current transfer enable / disable determination process is completed, and the process returns to Step SB2, and the transfer enable / disable determination process for the next identical person error information is continued.
Thus, the retry process including the transfer permission / inhibition determination process by the transfer management server 1 of the present embodiment is executed.

  As described above, in this embodiment, when there are a plurality of transfer error information of the same client in the transfer error information stored in the transfer error storage unit 16 of the transfer management server 1, the transfer error information. Is stored as the same person error information associated with the contract number, and it is determined whether or not batch transfer processing of each transfer error information is possible. If batch processing is possible, retry processing is executed collectively. Therefore, in addition to the same effects as those of the first embodiment, it is possible to improve the efficiency of the processing operation in the retry process.

  In addition, if batch processing of retransfer is impossible, it is assumed that the predetermined condition is transfer error information that can be transferred up to the current account balance, and the transfer amount is closest to the current account balance Since the transfer process related to the transfer error information that matches these conditions is executed, the transfer transaction related to the withdrawal is made because the transfer amount (total withdrawal amount) is more than the current account balance in the retry process. It becomes possible to rescue a client whose acceptance end time (see step SH1 (see FIG. 2) in the first embodiment) has passed without executing one, and the unpaid amount of the client can be minimized. .

  In the present embodiment, in step SB1, the “unprocessed” transfer error information stored in the transfer error storage unit 16 of the storage unit 13 is searched, and the extracted transfer error information of the same person is extracted. Although it has been described that the same person error information is stored in the same person error information storage area in association with the contract number, the error information storage area by contract number for storing the error information of the same person by contract number is stored in the storage unit 13. When the transfer error information is stored in advance in step S3 (FIG. 2), it is stored in the error information storage area by contract number of the corresponding contract number, and the same associated with the contract number in step SB2 above. When checking for the existence of human error information, if multiple transfer error information is stored in the error information storage area by contract number, the same person error information exists. It may be determined with that. In this way, the processing efficiency of the retry process can be improved by omitting step SB1.

  In this embodiment, the predetermined condition is transfer error information that can be transferred up to the current account balance, and the transfer amount (total amount of withdrawal) is closest to the current account balance. As explained above, transfer error information that can be transferred with the account balance at the current point as the limit, and based on the transfer error occurrence date and time of the transfer error information (in order of occurrence of transfer errors) The predetermined condition may be transfer error information that can be transferred with the account balance at the current time as a limit, and the number of retry processing times of the transfer error information may be increased. Even in this case, the unpaid amount of the client can be reduced.

In this case, in order of increasing number of retry processing times, when a transfer request is not transmitted in the retry processing, when the processing status is rewritten to “unprocessed”, update is performed while incrementing the number of times. It is good to do so.
Further, in each of the above embodiments, the client account account is described as one. However, even when there are a plurality of client account accounts, the same effects as described above can be obtained by applying the present invention. be able to.

DESCRIPTION OF SYMBOLS 1 Transfer management server 2 Host computer 3 Branch office terminal 4 Client terminal 6 Communication line 11 Server control part 12, 22 Communication part 13, 23 Storage part 14 Contract account information storage part 15 Transfer information storage part 16 Transfer error information storage part 17 Client information storage unit 21 Host control unit 24 Customer information storage unit 25 History information storage unit 26 Temporary socket

Claims (10)

Based on the account information including the account balance of the account and the transfer information including the transfer amount, the determination unit determines whether to execute the transfer process,
The determination unit determines that the transfer process can be executed when the account balance of the account information is equal to or more than the transfer amount and approximately equal to the transfer amount plus a predetermined amount. Management device. In the transfer management device according to claim 1,
The determination unit, when there are a plurality of the transfer information, when the account balance is equal to or greater than a total amount of the transfer amounts of the plurality of transfer information, and the transfer amount is approximately the same amount obtained by adding a predetermined amount to the total amount A transfer management device characterized in that execution of processing is determined to be possible. In the transfer management device according to claim 1,
The determination unit, when there are a plurality of the transfer information, when the account balance is equal to or greater than at least one transfer amount of the plurality of transfer information, and the transfer amount is approximately the same amount obtained by adding a predetermined amount to the transfer amount A transfer management device characterized in that execution of processing is determined to be possible. In the transfer management device according to claim 1,
Obtain transfer history information including transfer payment history information to the account,
The determination unit executes the transfer process when the transfer deposit amount of the transfer deposit history information is equal to or greater than a shortage amount of the transfer amount with respect to the account balance and is substantially equal to the shortage amount plus a predetermined amount. A transfer management device characterized in that it is determined to be acceptable. In the transfer management device according to claim 4,
When a transfer error occurs, store the transfer error information including the transfer information,
The said determination part determines the feasibility of the said transfer process based on the said transfer error information, The transfer management apparatus characterized by the above-mentioned. In the transfer management device according to claim 5,
The said determination part determines the feasibility of execution of a transfer process based on the transfer history information after the date and time when the transfer error occurred in the transfer history information. In the transfer management device according to any one of claims 4 to 6,
The said determination part determines that execution of a transfer process is permissible when the holder of the said account information and the transfer person of the said transfer payment history information are the same. In the transfer management device according to any one of claims 4 to 7,
The transfer management apparatus according to claim 1, wherein the predetermined amount is an amount obtained by subtracting the transfer amount from a good amount obtained by rounding up the shortage amount. In the transfer management method of the transfer management device for determining whether or not to execute the transfer process based on the account information including the account balance of the account and the transfer information including the transfer amount,
A transfer management device comprising a step of determining that the transfer process can be executed when the account balance of the account information is equal to or greater than the transfer amount and approximately equal to the transfer amount plus a predetermined amount. Transfer management method. In the transfer management system that connects the host device and the transfer management device,
The host device is
Means for storing account information including the account balance of the account;
Means for executing a transfer process based on a transfer request including transfer information from the transfer management device;
Means for transmitting the account information to the transfer management device;
When a transfer error occurs in the transfer process, the transfer error information including the error reason of the transfer error and the transfer information is transmitted to the transfer management device, and
The transfer management device
Means for storing transfer error information from the host device;
Means for acquiring the account balance from the host device when the error reason of the transfer error information is insufficient balance;
Means for determining that execution of the transfer process is possible when the acquired account balance is equal to or greater than the transfer amount of the transfer information and approximately the same amount obtained by adding a predetermined amount to the transfer amount;
Means for transmitting the transfer request to the host device when it is determined that the transfer process can be executed.

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