JP2018147165A - Transfer control system, financial institution system, accounting system, method for controlling transfer control system, method for controlling financial institution system, method for controlling accounting system, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To save time and effort of a user during transfer while maintaining the security of the transfer.SOLUTION: A financial institution system and an accounting system of a transfer control system are included. Storage means of the financial institution system stores transfer requester identification information issued by issuance means in a state where the account of a user who makes an issuance instruction is made identifiable. When transfer request reception means receives a transfer request, transmission means of the accounting system transmits transfer requester identification information of the user who makes the transfer request, and transfer contents information relating to the transfer request to the financial institution system. Transfer execution means of the financial institution system executes a transfer corresponding to the transfer contents information from the account identified by the transfer requester identification information on the basis of a determination result of determination means for determining whether the transfer requester identification information received from the accounting system exists in the storage means of the financial institution system.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a transfer control system, a financial institution system, an accounting system, a transfer control system control method, a financial institution system control method, an accounting system control method, and a program.

  2. Description of the Related Art Conventionally, accounting systems that support user accounting operations are known. For example, if the user is a legal entity, various accounting processes related to the legal entity are executed by approving the employee's expense application using the accounting system or entering the employee's account information and transfer amount. The Also, for example, when the user makes a transfer request to the accounting system, the transfer details are transmitted to the partner financial institution system, and after confirmation work by telephone or FAX between the financial institution and the user is performed. The transfer to the employee is carried out. Patent Document 1 describes a technique in which a user logs in to an accounting system and makes a transfer request, and then separately logs in to a financial institution system to instruct execution of the transfer in order to save such a confirmation work. Has been.

JP 2007-109026 A

  In the technique as described above, since the user logs in to the accounting system and performs the accounting process, it is better that the transfer related to the accounting process is seamlessly executed as it is from the accounting system. However, in the technique of Patent Document 1, since the user needs to log in to the financial institution system in addition to logging in to the accounting system, it is not a seamless transfer but takes time and effort. On the other hand, if the financial institution system unconditionally authorizes the transfer request received from the accounting system, the user's trouble can be saved, but unauthorized transfer cannot be prevented and there is a problem in terms of security.

  An object of the present invention is to save the user's trouble at the time of transfer while maintaining the security of the transfer.

  In order to solve the above problems, a transfer control system according to the present invention is a transfer control system including an accounting system used by a plurality of users, and a financial institution system of a financial institution with an account of each user, The financial institution system is configured to issue issuing means for issuing transfer requester identification information for making a transfer from the account of a user who has given a predetermined issue instruction, and to issue the transfer requester identification information issued by the issuing means. A storage means for storing the account of the user who made the instruction in an identifiable state; and a transmission means for transmitting the transfer requester identification information issued by the issuing means to the accounting system. Storage means for storing the transfer requester identification information received from the financial institution system in a state in which the user who issued the issue instruction can be identified; , A transfer request receiving unit that receives a transfer request related to the accounting process of the accounting system, and when the transfer request receiving unit receives the transfer request, the transfer of the user who made the transfer request to the financial institution system Transmitting means for transmitting requester identification information and transfer content information relating to the transfer request, wherein the financial institution system receives the transfer requester identification information and the transfer content information from the accounting system. In this case, the transfer requester identification information is identified by the transfer requester identification information based on the determination unit that determines whether the transfer requester identification information exists in the storage unit of the financial institution system and the determination result of the determination unit. And a transfer executing means for executing a transfer according to the transfer content information from the account.

It is a figure which shows an example of the whole structure of the transfer control system which concerns on embodiment. It is a screen transition diagram for demonstrating the outline | summary of a tie-up transfer service. It is a screen transition diagram for demonstrating the outline | summary of a tie-up transfer service. It is a functional block diagram which shows the function implement | achieved in the transfer control system S. It is a figure which shows the data storage example of a financial institution Mid database. It is a figure which shows the example of data storage of an authentication information database. It is a figure which shows the example of data storage of the accounting Mid database. It is a flowchart of Mid issue processing. It is a flowchart which shows the transfer execution process. It is a functional block diagram of modification (1).

[1. Overall configuration of transfer control system]
Hereinafter, examples of embodiments of the present invention will be described in detail with reference to the drawings. Drawing 1 is a figure showing an example of the whole composition of transfer control system S concerning an embodiment. As shown in FIG. 1, for example, the transfer control system S includes a financial institution system 1 and an accounting system 2. In the present embodiment, a case where there are a plurality of accounting systems 2 will be described, but there may be one accounting system 2 as in a modification described later. The financial institution system 1 and the accounting system 2 can transmit and receive data via a network such as the Internet.

  The financial institution system 1 is a system managed by a financial institution such as a bank or a credit union, and includes at least one computer. The financial institution system 1 is a system of a financial institution having an account for each user. Note that having an account means that an account has already been opened in a financial institution. In other words, the user has an account with a financial institution, and the financial institution manages each user's account. The user may be a corporation or an individual (including an individual business owner).

  For example, the financial institution system includes a financial institution server 10 that is a server computer. The financial institution server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes, for example, one or a plurality of microprocessors. The storage unit 12 includes, for example, a main storage unit such as a RAM and an auxiliary storage unit such as a hard disk. The control unit 11 executes processing according to programs and data stored in the storage unit 12. The communication unit 13 includes, for example, a network card. The communication unit 13 can transmit and receive data with an external device via a network such as the Internet or a LAN.

  The accounting system 2 is a system that supports accounting operations such as expense settlement and salary transfer, and includes at least one computer. The accounting system 2 is a system used by a plurality of users. For example, the accounting system 2 may be a cloud-type accounting system that can be used regardless of location. For example, the accounting system 2 includes an accounting server 20 that is a server computer. The accounting server 20 includes a control unit 21, a storage unit 22, and a communication unit 23. The hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

  As shown in FIG. 1, the transfer control system S can exchange data with a plurality of user terminals 30 via a network. The user terminal 30 is a computer operated by a user of the transfer control system S, and is, for example, a personal computer or a mobile terminal (for example, a smartphone or a tablet terminal). The user terminal 30 includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, and a display unit 35. The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 34 is an input device, for example, a pointing device such as a touch panel or a mouse or a keyboard. The display unit 35 is, for example, a liquid crystal display or an organic EL display.

  For example, each user has completed use registration of the financial institution system 1, and an account for logging in to the financial institution system 1 (hereinafter referred to as a financial institution user account) is issued. Further, for example, each user has completed registration for use of the accounting system 2 used by the user, and an account for logging in to the accounting system 2 (hereinafter referred to as an accounting user account) has been issued. Note that the user does not have to use all the accounting systems 2 and may use at least one accounting system 2. When the user uses a plurality of accounting systems 2, the accounting systems 2 may be used properly according to the purpose. Further, by operating the user terminal 30, the user can use, for example, an internet banking service provided by the financial institution system 1 or an accounting operation support service provided by the accounting system 2. The user may use these services on a web browser or on an application distributed by each of the financial institution system 1 and the accounting system 2.

  The programs and data described as being stored in the storage units 12, 22, and 32 are supplied to each computer as those stored in a computer-readable information storage medium (for example, a USB memory or an SD card). Alternatively, it may be supplied to each computer via a network. In addition, the hardware configuration of each computer described above is not limited to the above example, and for example, an input for directly communicating with a reading unit (for example, an SD card slot) that reads an information storage medium or an external device. An output unit (for example, a USB terminal) may be provided.

[2. Overview of processing executed by the transfer control system]
Next, an outline of processing executed by the transfer control system S will be described. In this embodiment, the financial institution system 1 and the accounting system 2 are affiliated with each other, and a service (hereinafter referred to as an affiliated transfer service) that seamlessly and in real time performs a transfer related to the accounting process of the accounting system 2 is provided to the user. It can be provided.

  2 and 3 are screen transition diagrams for explaining the outline of the affiliated transfer service. As shown in FIG. 2, when the user operates the user terminal 30 to access the accounting system 2, a login screen G <b> 1 of the accounting system 2 is displayed on the display unit 35. When the user logs in to the accounting system 2 by entering the accounting user account and password, a menu screen G2 for using various services provided by the accounting system 2 is displayed on the display unit 35. As shown in the menu screen G2, for example, the user can use a business support service related to expense settlement or salary transfer.

  In this embodiment, the user can apply for the use of the affiliated transfer service from the menu screen G2. For example, when the user selects the button “Application for Partner Transfer” on the menu screen G 2, redirect processing from the accounting system 2 to the financial institution system 1 is executed, and the login screen G 3 of the financial institution system 1 is displayed on the display unit 35. Is done. When a user logs in to the financial institution system 1 by entering a financial institution user account and password, an issuance instruction screen G4 for issuing information necessary for the affiliated transfer service or confirming the terms of use of the affiliated transfer service. Is displayed.

  In this embodiment, the user needs to issue information called Mid (Merchant identification), which is an example of transfer requester identification information, in order to use the affiliated transfer service. For example, when the user agrees to the terms of use on the issuance instruction screen G4 and selects the “Yes” button, the process proceeds to FIG. 3 and an issuance completion screen G5 indicating that the user-specific Mid has been issued is displayed. As shown in the issuance completion screen G5, in this embodiment, the user is notified that the use application has been accepted, but the user is not notified of the specific Mid. The financial institution system 1 notifies the issued Mid only to the accounting system 2 that has accepted the application for use of the affiliated transfer service.

  The affiliated transfer service may be available immediately after the Mid issuance, but as shown in the issuance completion screen G5, in this embodiment, the use start date is set in the Mid. For this reason, the user cannot use the affiliated transfer service until the use start date of Mid corresponding to the user arrives, and can use the affiliated transfer service after the use start date arrives. For example, even if the user applies for the affiliated transfer service, due to a business problem such as lack of manpower in the financial institution or a system problem of the financial institution system 1 (for example, the batch execution timing does not match), May not be able to start using the affiliated transfer service, which may take time. In addition, even from the user, there is a possibility that the account of the transfer source will be switched from other financial institutions before or after the affiliated transfer service (or the user who has not opened an account will open an account at the same time as applying for the affiliated transfer service It may be necessary to prepare for that in advance. In this regard, the financial institution system 1 waits for the issuance of Mid until the date when the affiliated transfer service is actually available or the user wants to start the use, and then issues the Mid and transmits it to the accounting system 2. Depending on the circumstances of processing on the system, it may not be possible to use the affiliated transfer service immediately afterwards. For this reason, in this embodiment, the financial institution system 1 can use the tie-up transfer service quickly by transmitting the Mid and the use start date to the accounting system 2 in advance. In other words, by setting the Mid usage start date and not starting the immediate use, a financial institution will provide a grace period to complete the processing of the business and system before the start of the use of the affiliated transfer service. From the viewpoint of the user, a preparation period for switching the transfer source account and the contents of the accounting work can be provided.

  Here, a case where the user is a corporation and the corporation has a plurality of employees will be described. Then, taking a case where a user who is a corporation transfers an employee's expenses as an example, a method of using the affiliated transfer service will be described. For example, a corporate accountant can access the accounting system 2 using a corporate account as a user, and other employees can access the accounting system 2 with a child account associated with the corporate account. Hereinafter, an operation when the accounting person accesses the accounting system 2 using the corporate account as a user will be described.

  For example, when the user performs a predetermined operation from the menu screen G2, an expense settlement screen G6 for approving the expense requested by the employee is displayed on the display unit 35. The user can approve the expense application by selecting the “Approve” button on the expense settlement screen G6. When the expense application is approved, a transfer request screen G7 for executing a transfer related to the expense is displayed on the display unit 35. Note that the user may register information related to the employee's account in the accounting system 2 in advance, or may input the information from the transfer request screen G7.

  When the user selects the “Yes” button on the transfer request screen G7, the accounting system 2 sends the financial institution system 1 together with the user's Mid and the details of the transfer related to the approved expense (for example, information on the employee's account, Transfer amount). When the financial institution system 1 confirms the validity of the received Mid, the financial institution system 1 executes an expense transfer to the employee based on the received transfer contents. The transfer may be a transfer to another bank or a transfer within the bank. Thereafter, on the user terminal 30, a transfer completion screen G8 indicating that the transfer has been completed is displayed on the display unit 35, and the expense payment to the employee is completed. That is, the transfer is completed in real time without requiring a transfer confirmation operation by telephone or FAX between the financial institution and the user.

  As described above, the transfer control system S of the present embodiment maintains the security of the transfer by providing each user with the affiliated transfer service executed by confirming the validity of the Mid for the user. It realizes seamless and real-time transfer and saves the user's trouble at the time of transfer. Hereinafter, details of the configuration of the transfer control system S will be described.

[3. Functions realized in the transfer control system]
FIG. 4 is a functional block diagram showing functions realized in the transfer control system S. Here, functions realized in the financial institution system 1 and functions realized in the accounting system 2 will be described in order. In this embodiment, there are a plurality of accounting systems 2. However, since the functions of each accounting system 2 are the same, only one accounting system 2 is shown in FIG.

[3-1. Functions realized in financial institution system]
As shown in FIG. 4, in the financial institution system 1, a data storage unit 100, an issue unit 101, a transmission unit 102, a determination unit 103, and a transfer execution unit 104 are realized. In addition, although this embodiment demonstrates the case where each of these functions is implement | achieved by the financial institution server 10, you may implement | achieve by the other computer contained in the financial institution system 1. FIG. For example, the data storage unit 100 may be realized by a database server different from the financial institution server 10. Further, for example, functions described below may be shared by a plurality of computers in the financial institution system 1. In this case, each function may be shared by transmitting and receiving a process execution result between the computers.

[3-1-1. Data storage unit]
The data storage unit 100 is realized mainly by the storage unit 12. The data storage unit 100 stores the Mid issued by the issuing unit 101 in a state where the account of the user who issued the issue instruction can be identified. The state in which the user's account can be identified means a state in which the account identification information can be specified from the Mid. For example, the data storage unit 100 includes Mid and the account identification information of the user's account that issued the issuance instruction. Store in association with each other. However, the account identification information may be included in the Mid as a part of the Mid as in a modification described later.

  The account identification information only needs to be information that can identify the user's account. In this embodiment, the account identification information includes account branch information, account number, and account holder information. The account identification information may be an account ID for uniquely identifying the user's account. When the account identification information is an account ID, the data storage unit 100 stores a database in which the account ID is associated with the branch information, the account number, and the account holder information. The branch information, the account number, and the account holder information may be specified.

  In this embodiment, since a case where a plurality of accounting systems 2 exist is described, the data storage unit 100 stores Mid in a state where any of the plurality of accounting systems 2 can be identified. The state in which any one of the accounting systems 2 can be identified means a state in which the accounting system 2 can be identified from the Mid. For example, the data storage unit 100 can be configured to select any of the Mid and any of the accounting systems 2. The identification information is stored in association with each other. However, as in a modification described later, accounting system identification information may be included in Mid as part of Mid. The accounting system 2 identified by the Mid is an accounting system 2 that can provide an affiliated transfer service using the Mid, and is an accounting system 2 that manages the Mid.

  The accounting system identification information only needs to be information that can identify the accounting system 2. In this embodiment, the accounting system 2 is a character string indicating the name of the accounting system 2, but the accounting system 2 is uniquely identified. It may be an accounting system ID. In the present embodiment, the data storage unit 100 stores a financial institution Mid database for managing Mid.

  FIG. 5 is a diagram illustrating an example of data storage in the financial institution Mid database. As shown in FIG. 5, the financial institution Mid database DB10 stores Mid, financial institution user account, user name, account identification information, use start time, and accounting system identification information. In the present embodiment, the Mid can adopt any data structure as long as it can identify the user's account and the accounting system 2, but here, the case where the Mid includes partnership information and number information will be described. To do.

  The partnership presence / absence information is information for identifying the presence / absence of a partnership with the accounting system 2 and can be said to be information indicating whether or not the partnership transfer service can be provided. The financial institution system 1 may also be able to execute a transfer service (hereinafter referred to as a non-affiliation transfer service) that is executed without any tie-up with the accounting system 2, and the tie-up information is the Mid for the tie-up transfer service. Or the Mid for non-affiliated transfer service. For example, in the non-affiliation transfer service, the user may log in to the financial institution system 1 and input the Mid for the non-affiliation transfer service to instruct the transfer. It is not necessary to manage the Mid for the affiliated transfer service and the Mid for the non-standard transfer service in the same database, and may be managed in different databases.

  For example, the fact that the partnership presence / absence information is the first value (in FIG. 5, the character string “AA”) means that the partnership transfer service is a Mid, and the partnership presence / absence information is the second value (see FIG. 5). 5 is a character string “BB”), which means that it is a Mid for a non-affiliated transfer service. The number information is, for example, numbered in the order of application by the financial institution system 1 and may be a serial number in the order of application. Note that Mid may include any other information, for example, a check digit.

  The financial institution user account stored in the financial institution Mid database DB10 is the account of the user who issued the Mid. In other words, the financial institution user account is a user account having an account identified by the Mid. The user name is the name of the user, for example, a corporate name or a personal name. The user name may be the same name as the account holder or a different name. The use start time may be any time after the Mid is issued. For example, the use start time may indicate the next day after the Mid is issued, or may indicate the date after two days. Note that the use start time may be set in consideration of the grace period on the financial institution side or the preparation period on the user side as described above. For example, only the date may be stored as the use start time, or the date and time may be stored. The accounting system identification information stored in the financial institution Mid database DB10 is accounting system identification information of the accounting system 2 identified by Mid.

  For example, the data storage unit 100 may further store authentication information of the accounting system 2. In the present embodiment, the data storage unit 100 stores an authentication information database for managing authentication information of the accounting system 2.

  FIG. 6 is a diagram illustrating an example of data storage in the authentication information database. As shown in FIG. 6, the authentication information database DB11 stores accounting system identification information and authentication information. The authentication information is information for proving the validity of the accounting system 2, and may be composed of, for example, a character string and a number having an arbitrary number of digits. For example, the authentication information may include encryption key information and IP address information. The encryption key information is an encryption key necessary for encrypted communication between the financial institution system 1 and the accounting system 2, and the IP address information is the IP address of the accounting server 20 of the accounting system 2. Note that the authentication information is not limited to this, and a combination of an ID and a password may be used, or an electronic certificate may be used.

  The data stored in the data storage unit 100 is not limited to the above example. The data storage unit 100 can store various data related to financial institutions. For example, the financial institution Mid database DB10 and the authentication information database DB11 may include other information. Further, for example, the data storage unit 100 may store a user database related to the user. For example, the user database may store a financial institution user account, a password, and the like.

[3-1-2. Issuer]
The issuing unit 101 is realized mainly by the control unit 11. The issuing unit 101 issues a Mid for making a transfer from the account of a user who has given a predetermined issuing instruction. The issuance instruction may be a predetermined instruction input to the financial institution system 1. For example, the issuance instruction may be directly issued to the financial institution system 1 by the user, It may be indirect, for example, the accounting system 2 transfers the instruction given to the financial institution system 1. In the present embodiment, a case will be described in which selecting the “Yes” button on the issue instruction screen G4 (FIG. 2) corresponds to an issue instruction. Since the usage instruction for the affiliated transfer service is displayed on the issuance instruction screen G4, the issuance instruction according to the present embodiment includes acceptance of the use agreement by the user. The acceptance of the terms of use may include a content to the effect that the transfer request via the corresponding accounting system 2 in the future does not require the transfer agreement each time.

  It is sufficient that the Mid does not overlap with other issued Mids, and the Mid issue rules may be arbitrary. As described above, in the present embodiment, the Mid includes the partnership identification information and the number information. Therefore, the issuing unit 101 sets the partnership identification information indicating the first value if the Mid to be issued is for the partnership transfer service. And Mid information including number information issued so as to be serial numbers is issued. On the other hand, the issuing unit 101 issues a Mid including the affiliation identification information indicating the second value and the number information issued so as to be a serial number if the Mid to be issued is for a non-affiliated transfer service. To do.

  In the present embodiment, the issuing unit 101 issues an issuance instruction including consent to the execution of a future transfer via the accounting system 2 when a user who is logged in to the accounting system 2 accesses the accounting system 2 via the accounting system 2. Accept. “Logging in” may mean from the time the user logs in until the user logs out, within a certain period of time after the user logs in, or when the logged-in user last performs an operation ( It may mean within a certain time from when the accounting system 2 last received some data from the user terminal 30. Information for identifying whether or not the user is logged in may be stored in the data storage unit 100 of the accounting system 2 described later. This information may be updated as appropriate based on data received from the user terminal 30.

  Access via the accounting system 2 means that the user does not actively access the URL by specifying the URL of the financial institution system 1 but passively accesses the user under the control of the accounting system 2. More specifically, accessing the financial institution system 1 by the redirect process executed by the accounting system 2 corresponds to accessing via the accounting system 2. Information identifying that access from the user terminal 30 to the financial institution system 1 is redirect may be transmitted when the user terminal 30 redirects, or when the accounting system 2 executes redirect processing. You may transmit to the financial institution system 1. If the user is not logged in to the accounting system 2 or is not accessing via the accounting system 2, the issuing unit 101 may be restricted from not accepting an issue instruction.

  In the present embodiment, the issuing unit 101 associates the issued Mid in the financial institution Mid database DB10 in association with the financial institution user account of the user who issued the issuance instruction and the accounting system identification information of the partner accounting system 2. Store. Further, the issuing unit 101 sets a time point after a predetermined time from the current time as a use start date, and stores it in the financial institution Mid database DB10 together with the issued Mid.

[3-1-3. Transmitter]
The transmission unit 102 is realized mainly by the control unit 11. The transmission unit 102 transmits the Mid issued by the issuing unit 101 to the accounting system 2. Since the Mid in this embodiment does not include information for identifying the user, the transmission unit 102 issues an issuance instruction together with the Mid issued by the issuing unit 101 so that the accounting system 2 can identify which user's Mid. Information for identifying the selected user may also be transmitted. This information may be information shared in advance between the financial institution system 1 and the accounting system 2 as information for identifying the user. For example, the information may be an accounting user account or a financial institution user account. Alternatively, information other than these may be used.

  In the present embodiment, since there are a plurality of accounting systems 2, the transmission unit 102 transmits the Mid to the accounting system 2 identified by the Mid issued by the issuing unit 101. The accounting system 2 identified by Mid is an accounting system 2 that provides a tie-up transfer service using Mid. The transmitting unit 102 transmits the Mid only to the accounting system 2 identified by the Mid issued by the issuing unit 101, and does not transmit the Mid to the other accounting system 2.

  Further, since the Mid of this embodiment does not include the accounting system identification information, the transmission unit 102 transmits the Mid to the accounting system 2 indicated by the accounting system identification information associated with the Mid issued by the issuing unit 101. Will be sent. That is, the transmission unit 102 refers to the financial institution Mid database DB10 and specifies the accounting system 2 that is the transmission destination of Mid based on the accounting system identification information associated with Mid.

  In addition, the transmitting unit 102 may transmit the Mid issued by the issuing unit 101 to the user. However, in the present embodiment, the transmitting unit 102 transmits only the accounting system 2 without transmitting to the user. . In other words, in the present embodiment, the transmission unit 102 restricts the transmission of the Mid to the user, and the Mid cannot be known by the user.

[3-1-4. Judgment unit]
The determination unit 103 is realized mainly by the control unit 11. In the present embodiment, the determination unit 103 will be described as an example in which the first determination for checking the validity of the Mid and the second determination for checking the validity of the transmission source of the Mid are performed.

  As a first determination, when the determination unit 103 receives Mid and transfer content information from the accounting system 2, the determination unit 103 determines whether the Mid exists in the data storage unit 100 of the financial institution system 1. That is, the determination unit 103 compares the Mid received from the accounting system 2 with the Mid stored in the financial institution Mid database DB10, and determines whether there is a record that matches these. The determination unit 103 determines that the received Mid is valid if there is a matching record, and determines that the received Mid is invalid if there is no matching record.

  As a second determination, the determination unit 103 determines whether the Mid received from each accounting system 2 is received from the accounting system 2 identified by the Mid. That is, as the second determination, for example, the determination unit 103 may determine whether the accounting system 2 that is the transmission source of Mid matches the accounting system 2 that is identified by the Mid.

  The second determination will be described in detail. Since the Mid of this embodiment does not include the accounting system identification information, the determination unit 103 determines that the Mid received from each accounting system 2 is the accounting system identification associated with the Mid. It is determined whether the information is received from the accounting system 2 indicated by the information. For example, the determination unit 103 refers to the financial institution Mid database DB10, and determines whether the accounting system 2 indicated by the accounting system identification information associated with the received Mid matches the accounting system 2 that is the transmission source of Mid. It will be judged. Which of the plurality of accounting systems 2 the Mid transmission source may be determined using IP address information, a server name, or the like. The determination unit 103 determines that the Mid transmission source is valid if they match, and determines that the Mid transmission source is invalid if they do not match.

  As a more detailed example of the second determination, in this embodiment, the determination unit 103 determines whether the authentication information received from each accounting system 2 exists in the data storage unit 100 of the financial institution system 1. To do. That is, as a specific example of the second determination, the determination unit 103 may also check the validity of the authentication information transmitted by the accounting system 2. The determination unit 103 compares the authentication information received from the accounting system 2 with the authentication information stored in the authentication information database DB11, and determines whether there is a record that matches these. The determination unit 103 determines that the authentication information is valid when there is a matching record, and determines that the authentication information is invalid when there is no matching record.

[3-1-5. Transfer execution part]
The transfer execution unit 104 is realized mainly by the control unit 11. Based on the determination result of the determination unit 103, transfer according to the transfer content information is executed from the account identified by Mid. In this embodiment, since Mid does not include the account identification information, the transfer execution unit 104 responds to the transfer content information from the account indicated by the account identification information associated with Mid based on the determination result of the determination unit 103. Transfer will be executed. That is, the transfer execution unit 104 refers to the financial institution Mid database DB10, and specifies the account of the user as the transfer source based on the account identification information associated with the Mid.

  For example, since the determination unit 103 checks the validity of Mid, which is the first determination, the transfer execution unit 104 executes transfer when it is determined that the Mid is valid, and the Mid is invalid. If it is determined, transfer is not executed. In addition, for example, the determination unit 103 also checks the validity of the Mid transmission source, which is the second determination. Therefore, the transfer execution unit 104 executes transfer when it is determined that the Mid transmission source is valid. However, when it is determined that the Mid transmission source is invalid, the transfer is not executed. In addition, for example, the determination unit 103 checks the validity of the authentication information described as the specific example of the second determination. Therefore, the transfer execution unit 104 executes the transfer when it is determined that the authentication information is valid. If it is determined that the authentication information is invalid, no transfer is executed.

  For example, the financial institution system 1 is connected to a national bank data communication system that relays transactions between banks all over the country, and the transfer execution unit 104 transfers data by transferring data related to the transfer to the national bank data communication system. May be performed. The nationwide bank data communication system processes the received data and transmits the data to a bank of a transfer destination (for example, an employee's account) to execute the transfer. Moreover, the transfer execution part 104 reduces the balance of the account identified by Mid based on the transfer amount which transfer content information shows.

[3-2. Functions realized in accounting system]
As shown in FIG. 4, in the accounting system 2, a data storage unit 200, a transfer request reception unit 201, a transmission unit 202, an access control unit 203, and a time restriction unit 204 are realized. In the present embodiment, the case where each of these functions is realized by the accounting server 20 will be described, but may be realized by another computer included in the accounting system 2. For example, the data storage unit 200 may be realized by a database server different from the accounting server 20. Further, for example, functions described below may be shared by a plurality of computers included in the accounting system 2. In this case, each function may be shared by transmitting and receiving a process execution result between the computers.

[3-2-1. Data storage unit]
The data storage unit 200 is realized mainly by the storage unit 22. The data storage unit 200 stores the Mid received from the financial institution system 1 in a state where the user who issued the issue instruction can be identified. The state in which the user can be identified means a state in which the user can be specified from the Mid. For example, the data storage unit 200 stores the Mid and the accounting user account of the user who issued the issuance instruction in association with each other. However, the accounting user account may be included in the Mid as a part of the Mid as in a modified example described later. In addition, although the case where a user is identified by an accounting user account is described here, for example, a financial institution user account may be used, or other information may be used. In the present embodiment, the data storage unit 200 stores an accounting Mid database for managing Mid.

  FIG. 7 is a diagram illustrating an example of data storage in the accounting Mid database. As shown in FIG. 7, the accounting Mid database DB 20 stores Mid, accounting user account, user name, and use start time. The accounting user account stored in the accounting Mid database DB20 is the account of the user who issued the Mid. In other words, the accounting user account is the account of the user who selected the “partner transfer application” button on the menu screen G2. The user name is the name of the user in the accounting system 2, and is, for example, a corporate name or a personal name. The use start time is the use start time set in Mid, and is received from the financial institution system 1 together with Mid.

  In this embodiment, since the validity of the authentication information is also checked, the data storage unit 200 stores the authentication information of its own accounting system 2. The authentication information only needs to be shared between the financial institution system 1 and the accounting system 2 and may be issued by the financial institution system 1 or the accounting system 2.

  The data stored in the data storage unit 200 is not limited to the above example. For example, the data storage unit 200 can store various data related to the accounting system 2. For example, the accounting Mid database DB20 may include other information. Further, for example, the data storage unit 200 may store a user database related to the user. For example, the user database may store an accounting user account, a password, and the like.

[3-2-2. Transfer request reception department]
The transfer request receiving unit 201 is realized mainly by the control unit 21. The transfer request receiving unit 201 receives a transfer request related to the accounting process of the accounting system 2 from each user. The accounting process is a process related to an accounting service support service provided by the accounting system 2, and is, for example, an expense settlement process or a salary transfer process. The transfer request may be a predetermined instruction input to the accounting system 2. For example, in this embodiment, selecting the “Yes” button on the transfer request screen G 7 (FIG. 3) A case corresponding to a request will be described. In addition, the transfer request reception part 201 may receive the input of the transfer content by a user with a transfer request. In this case, the user may input the account identification information of the transfer destination or the transfer amount as the transfer contents. That is, the transfer contents are not acquired as the execution result of the processing by the accounting system 2, but may be directly input by the user.

[3-2-3. Transmitter]
The transmission unit 202 is realized mainly by the control unit 21. When the transfer request reception unit 201 receives a transfer request, the transmission unit 202 transmits the Mid of the user who made the transfer request and the transfer content information related to the transfer request to the financial institution system 1. The transmission unit 202 may transmit the Mid and the transfer content information after collecting them in one data frame, or may transmit them separately.

  Since Mid in the present embodiment does not include an accounting user account, the transmission unit 202 transmits Mid associated with the accounting user account of the user who requested the transfer to the financial institution system 1. That is, the transmitting unit 202 refers to the accounting Mid database DB20 and specifies the Mid associated with the accounting user account of the user who has requested the transfer.

  The accounting user account of the user who made the transfer request may be received from the user terminal 30 as needed together with the transfer request, or the logged-in user's accounting user account is stored in the data storage unit 200. May be. That is, in this embodiment, since the transfer request is made in a state where the user has logged in to the accounting system 2, in order to identify which user has made the transfer request, the accounting user account of the logged-in user is stored in the data You may memorize | store in the memory | storage part 200. FIG.

  The transfer content information may be information that can specify the transfer content, and includes, for example, a transfer amount and transfer destination identification information. The transfer destination identification information may include the financial institution information, the branch information, the account number, and the account holder information of the transfer destination account, or may be a transfer destination ID that can search for such information. When the transfer destination ID corresponds to the transfer destination identification information, the data storage unit 100 of the financial institution system 1 includes the transfer destination ID, the financial institution information of the transfer destination account, the branch information, the account number, and the account holder information. Are stored, and the transfer execution unit 104 of the financial institution system 1 specifies a specific transfer destination based on the database and the transfer destination ID.

  In the present embodiment, the transmission unit 202 further transmits authentication information of the accounting system to the financial institution system 1. The transmission unit 202 acquires the authentication information stored in the data storage unit 200 and transmits it together with the Mid and transfer content information.

[3-2-4. Access control unit]
The access control unit 203 is realized mainly by the control unit 21. When the access control unit 203 receives a predetermined operation by a user who is logged in to the accounting system 2, the access control unit 203 makes the user access the financial institution system 1. The predetermined operation may be an operation indicating an intention to start using the affiliated transfer service. In the present embodiment, the predetermined operation is to select an “affiliate transfer application” button on the menu screen G2. The access control unit 203 only needs to allow the user to access the financial institution system 1 by a predetermined redirect process, and the redirect destination URL may be stored in the data storage unit 200 in advance.

[3-2-5. Time Limit Department]
The timing restriction unit 204 is realized mainly by the control unit 21. The time restriction unit 204 restricts the transfer using the Mid based on the use start time set for each Mid. The time restriction unit 204 acquires the current date and time information using a real-time clock or the like, and compares the current date and time with the use start time. The time restriction unit 204 permits the use of the affiliated transfer service if the use start time has come, and restricts the use of the affiliated transfer service if the use start time has not come. As a method of restricting the use of the affiliated transfer service, for example, the transfer request screen G7 may not be displayed, the “Yes” button on the transfer request screen G7 may not be displayed, or “Yes”. It may be grayed out so that the button cannot be selected.

[4. Processing executed in the transfer control system]
Next, processing executed in the transfer control system S will be described. Here, a Mid issuing process for issuing a Mid and a transfer executing process for executing a transfer using the affiliated transfer service will be described. In these processes, the control unit 11 operates according to the program stored in the storage unit 12, the control unit 21 operates according to the program stored in the storage unit 22, and the control unit 31 is stored in the storage unit 32. It is executed by operating according to the program. These processes are examples of processes executed by each functional block.

[4-1. Mid issue processing]
FIG. 8 is a flowchart of the Mid issue process. As shown in FIG. 8, in the user terminal 30, the control unit 31 displays a login screen G <b> 1 for the accounting system 2 on the display unit 35, and the accounting user account input by the user from the operation unit 34 to the accounting system 2. And the password are transmitted, and the user is logged in to the accounting system 2 (S1). The login screen G1 may be displayed when the user performs a predetermined operation. For example, the login screen G1 may be displayed when an application downloaded from the accounting system 2 is activated.

  In the accounting system 2, when the accounting server 20 receives the accounting user account and password, the control unit 21 executes a user login process and transmits display data of the menu screen G2 to the user terminal 30 (S2). . In S2, the control unit 21 checks the validity of the user based on the accounting user account and password received from the user terminal 30 and the accounting user account and password stored in the storage unit 22, and performs login processing. Run.

  In the user terminal 30, when the display data is received, the control unit 31 displays the menu screen G2 on the display unit 35, and in response to the user selecting the “partner transfer application” button for the accounting system 2, A request for starting the affiliated transfer service is transmitted (S3). Note that when the user selects another button on the menu screen G2, accounting processing corresponding to the button selected by the user is executed between the user terminal 30 and the accounting system 2.

  In the accounting system 2, when the accounting server 20 receives the start request for the affiliated transfer service, the control unit 21 executes a redirect process to the financial institution system 1 (S4). For example, the URL of the financial institution system 1 is stored in the storage unit 22, and in S4, the control unit 21 executes a redirect process based on the URL. It is assumed that information identifying which accounting system 2 is redirected is transmitted to the financial institution system 1 during the redirect process. Further, the accounting user account of the user who has requested the start of the affiliated transfer service may be transmitted to the financial institution system 1.

  When the redirect process is executed, the user terminal 30 accesses the financial institution system 1, and the control unit 11 displays the login screen G3 of the financial institution system 1 on the display unit 35. The financial institution user account and password input from the operation unit 34 are transmitted, and the user is logged in to the financial institution system 1 (S5).

  In the financial institution system 1, when the financial institution user account and the password are received, the control unit 11 executes a user login process and transmits display data of the issuance instruction screen G4 to the user terminal 30 (S6). In S6, the control unit 11 checks the user's validity based on the financial institution user account and password received from the user terminal 30 and the financial institution user account and password stored in the storage unit 12, and logs in. Execute the process.

  In the user terminal 30, when the display data is received, the control unit 31 causes the display unit 35 to display an issuance instruction screen G4, and allows the financial institution system 1 to accept the terms of use and click the “Yes” button. In response to the selection, a Mid issuance instruction is transmitted (S7). Note that the control unit 31 may limit the issue instruction so long as the user does not agree to the terms of use. The method of determining whether or not the user agreement has been accepted may be determined by various known methods. For example, it may be a condition that a predetermined check box is checked or a condition that the user agreement is scrolled. It is good.

  In the financial institution system 1, when the financial institution server 10 receives the issue instruction, the control unit 11 issues a Mid based on a predetermined issue rule, and transmits the issued Mid to the accounting system 2 (S8). The display data of the issue completion screen G5 is transmitted to the user terminal 30 (S9). In S <b> 8, first, the control unit 11 issues a Mid for a tie-up transfer service including tie-up identification information having a first value and number information numbered so as to be a serial number. Then, the control unit 11 includes the financial institution user account of the user who has issued the issue, the name of the user, the account identification information of the user, the use start time after a predetermined time after the current date and time, and the accounting system identification information. The Mid is stored in the institution Mid database DB10. Further, the control unit 11 transmits Mid to the accounting system 2 together with information for identifying the user who has issued the issue instruction (for example, the accounting user account of the user who has issued the issue instruction).

  In accounting system 2, when accounting server 20 receives Mid, control unit 21 stores Mid in the Mid database (S10). In S10, the control unit 21 specifies the accounting user account of the user who issued the issuance instruction based on the information received from the financial institution system 1, and stores the Mid in the accounting Mid database DB20 together with the user name and the use start time. Store.

  In the user terminal 30, when the display data of the issue completion screen G5 is received, the control unit 31 displays the issue completion screen G5 on the display unit 35 (S11), and this process ends. Thereafter, the user can use the affiliated transfer service after the available time set in the user's Mid has arrived.

[4-2. Transfer execution process]
FIG. 9 is a flowchart showing the transfer execution process. As shown in FIG. 9, S21 and S22 are the same as S1 and S2, respectively. When the user logs into the accounting system 2 and the menu screen G2 is displayed on the display unit 35, accounting processing is executed between the accounting system 2 and the user terminal 30 based on the user's operation (S23). In S23, an expense approval process is executed or a salary transfer instruction is executed based on a user operation. Hereinafter, a process when the user approves the expense application from the expense settlement screen G6 will be described as an example.

  When the user approves the expense application from the expense settlement screen G6, the control unit 31 causes the transfer request screen G7 to be displayed on the display unit 35, and executes to the accounting system 2 in response to the user selecting the “Yes” button. A transfer request related to the accounting process is transmitted (S24). Here, the transfer request is a notification indicating that the “Yes” button on the transfer request screen G7 has been selected.

  In the accounting system 2, when the accounting server 20 receives the transfer request, the control unit 21 specifies the Mid associated with the accounting user account, and sends the Mid, transfer content information, and authentication information to the financial institution system 1. Is transmitted (S25). Note that the transfer amount and the transfer destination account identification information relating to the accounting process being processed may be stored in advance in the storage unit 32 or may be input from the operation unit 34 by the user. In S <b> 24, the control unit 31 refers to the accounting Mid database DB <b> 20 and acquires a Mid associated with the accounting user account of the logged-in user. And the control part 31 transmits transfer content information and own authentication information with the said Mid.

  In the financial institution system 1, when the financial institution server 10 receives Mid, authentication information, and the like, the control unit 11 executes authentication processing of the accounting system 2 (S26). In S <b> 26, the control unit 11 checks the validity of the authentication information of the accounting system 2 based on the authentication information received from the accounting system 2 and the authentication information stored in the storage unit 12.

  When the authentication of the accounting system 2 fails (S26; failure), the subsequent processing is not executed and the transfer is not executed. On the other hand, when the authentication of the accounting system 2 is successful (S26; success), the control unit 11 determines whether or not the received Mid exists in the financial institution Mid database DB10 (S27). In S27, the control unit 11 determines whether there is a record storing the received Mid in the financial institution Mid database DB10, and checks the validity of the Mid.

  When it is determined that the received Mid does not exist in the Mid database (S26; N), the subsequent processing is not executed and the transfer is not executed. On the other hand, when it is determined that the received Mid exists in the Mid database (S27; Y), the control unit 11 executes a transfer process based on the received transfer content information (S28), A predetermined transfer completion notification is transmitted (S29).

  In the accounting system 2, when the accounting server 20 receives the transfer completion notification, the control unit 21 transmits display data of the transfer completion screen G8 to the user terminal 30 (S30). In the user terminal 30, when display data is received, the control part 31 displays the transfer completion screen G8 on the display part 35 (S31), and this process is complete | finished.

  According to the transfer control system S, by providing a tie-up transfer service using a Mid dedicated to each user's account, it is possible to realize seamless and real-time transfer while maintaining transfer security and Save time and effort. Furthermore, since there is no confirmation work between the financial institution and the user for confirming whether or not it is a genuine transfer request from the user, the time until the transfer is completed can be shortened.

  Moreover, even if there are a plurality of accounting systems 2 as in the embodiment, since the financial institution system 1 and each accounting system 2 can be linked, the user has used which accounting system 2 However, seamless and real-time transfer can be used. Also, instead of using a common Mid for all accounting systems 2, issuing a separate Mid for each accounting system 2 reduces the risk of misusing Mid and effectively improves transfer security. Can be made.

  Further, in the financial institution Mid database DB10, Mid and accounting system identification information are stored in association with each other, and the financial institution system 1 can specify which accounting system 2 the received Mid belongs to. It is possible to manage a separate Mid for each accounting system 2.

  Further, in the financial institution Mid database DB10, the Mid and the account identification information are stored in association with each other, and the financial institution system 1 specifies which account should be transferred from the received Mid. And transfer can be executed reliably. Furthermore, since it is not necessary to transmit the account identification information from the accounting system 2 to the financial institution system 1, it is possible to prevent the account identification information from leaking on the network. More specifically, since Mid does not include account identification information or accounting system identification information, even if Mid is leaked, account identification information or accounting system identification information is not specified (that is, account identification information). And accounting system identification information is not known by Mid alone, and it is necessary to refer to the database in the financial institution system 1), so that it is possible to prevent unauthorized transfer requests using such information and improve security. be able to. In addition, since the user is not required to designate the transfer source account each time, it is possible to effectively save the user's trouble.

  Further, in the accounting Mid database DB20, the Mid and accounting user account are stored in association with each other, and the accounting system 2 can specify which Mid of the user who requested the transfer, It can be executed reliably. Furthermore, since the Mid can be specified from the accounting user account necessary for the user to log in to the accounting system 2, it is not necessary for the user to input other information and the transfer can be completed more smoothly.

  Further, since Mid is not notified to the user but only to accounting system 2, the risk of Mid leaking can be reduced. For this reason, it is possible to prevent unauthorized transfer by a malicious third party and effectively increase the security of the transfer.

  In addition, when the user is logged in to the accounting system 2, the financial institution system 1 accepts the issuing instruction, thereby reducing the risk that a malicious third party will issue Mid without permission. . For this reason, it is possible to prevent unauthorized transfer by a malicious third party and effectively increase the security of the transfer.

  Also, by setting the use start time in Mid, if there is a suspicion that Mid was issued without permission by a third party, it is possible to secure time for confirming the Mid issuance to the user. Therefore, the risk of using a mid-issued self-issue can be reduced. For this reason, it is possible to prevent unauthorized transfer by a malicious third party and effectively increase the security of the transfer.

  In addition, since the validity of the authentication information of the accounting system 2 is checked and whether or not the transfer is possible is controlled, it is possible to prevent transfer by a third party who illegally obtained Mid and to effectively increase transfer security. .

[5. Modified example]
The present invention is not limited to the embodiment described above. Modifications can be made as appropriate without departing from the spirit of the present invention.

  (1) For example, when a malicious third party steals Mid, there is a possibility of using the Mid to perform unauthorized transfer without the user's knowledge. In order to prevent such unauthorized transfer, the transfer may be restricted according to the login status of the user to the accounting system 2.

  FIG. 10 is a functional block diagram of Modification Example (1). As illustrated in FIG. 10, in the modification example (1), in addition to the functions described in the embodiment, a situation restriction unit 205 is realized. Here, a case where the situation restriction unit 205 is realized by the accounting system 2 will be described. The situation restriction unit 205 is realized mainly by the control unit 21. The situation restriction unit 205 restricts the transfer using Mid based on the login situation of the user identified by the Mid to the accounting system 2.

  The login status is, for example, whether the user is logged in, whether the user has logged in, or a certain period of time has passed, or has been logged in for the last time after receiving data from the user terminal Or the like. For example, when the user is not logged in, the situation restriction unit 205 restricts transfer using Mid. In addition, for example, the situation restriction unit 205 restricts transfer using Mid when a user logs in and a certain time has elapsed. Further, for example, the situation restriction unit 205 restricts the transfer using the Mid when the user has logged in and the last data is received from the user terminal and a predetermined time has elapsed.

  According to the modified example (1), transfer using Mid is restricted according to the login status of the user's accounting system 2, so that unauthorized transfer by a malicious third party is prevented, and transfer security is improved. It can be improved effectively.

  (2) Further, for example, as described in the embodiment, Mid may include any accounting system identification information of a plurality of accounting systems 2. That is, the accounting system identification information may be incorporated as part of the Mid instead of being associated with the Mid. In this case, information for identifying which part of the Mid is accounting system identification information may be shared between the financial institution system 1 and the accounting system 2. For example, it may be possible to identify what number of digits from Mid corresponds to accounting system identification information, and from what byte to what byte of Mid corresponds to accounting system identification information. May be identifiable.

  In the modification (2), the transmitting unit of the financial institution system 1 transmits the Mid to the accounting system 2 indicated by the accounting system identification information included in the Mid issued by the issuing unit 101. For example, the transmission unit refers to the accounting system identification information incorporated in Mid, and transmits Mid to the accounting system 2 indicated by the accounting system identification information. The determination unit 103 of the financial institution system 1 may further determine whether the Mid received from each accounting system 2 is received from the accounting system 2 indicated by the accounting system identification information included in the Mid. For example, the determination unit 103 refers to the accounting system identification information incorporated in the Mid, and determines whether Mid is received from the accounting system 2 indicated by the accounting system identification information.

  According to the modification (2), since the accounting system identification information is incorporated in the Mid, it is not necessary to prepare a database that defines the correspondence between the Mid and the accounting system identification information, and the data to be managed The amount can be reduced. Further, the accounting system identification information can be specified by referring only to Mid, and it is not necessary to refer to the database, so that the processing speed can be improved.

  (3) Further, for example, as described in the embodiment, Mid may include account identification information of the account of the user who issued the issue instruction. That is, the account identification information may be incorporated as part of the Mid instead of being associated with the Mid. In this case, information for identifying which part of the Mid is account identification information may be shared between the financial institution system 1 and the accounting system 2. For example, it may be possible to identify what number of digits from Mid corresponds to account identification information, and what number of bytes from Mid corresponds to account identification information. You may make it identifiable. In the modification (3), the transfer execution unit 104 of the financial institution system 1 executes transfer according to the transfer content information from the account indicated by the account identification information included in the Mid based on the determination result of the determination unit 103. For example, the transfer execution unit 104 refers to the account identification information incorporated in the Mid and specifies the transfer source account.

  According to the modification (3), since the account identification information is incorporated in the Mid, it is not necessary to prepare a database that defines the correspondence between the Mid and the account identification information, and the amount of data to be managed is reduced. Can be reduced. Furthermore, the account identification information can be specified by referring only to Mid, and it is not necessary to refer to the database, so that the processing speed can be improved.

  (4) Further, for example, Mid may include the accounting user account of the user who issued the issue instruction. That is, the accounting user account may not be associated with Mid but may be incorporated as part of Mid. In this case, information for identifying which part of the Mid is the accounting user account may be shared between the financial institution system 1 and the accounting system 2. For example, it may be possible to identify what number of digits from Mid corresponds to the accounting user account, and what number of bytes from Mid corresponds to the accounting user account. You may make it identifiable. In the modified example (4), the transmitting unit of the accounting system 2 transmits Mid including the accounting user account of the user who requested the transfer to the financial institution system 1.

  According to the modification (4), since the accounting user account is incorporated in the Mid, it is not necessary to prepare a database that defines the correspondence between the Mid and the accounting user account, and the amount of data to be managed is reduced. Can be reduced. Furthermore, if only Mid is referred to, the accounting user account can be specified, and it is not necessary to refer to the database, so that the processing speed can be improved.

  (5) Further, for example, the time restriction unit 204 only needs to be included in the financial institution system 1 or the accounting system 2, and may be included in the financial institution system 1. In this case, the timing restriction unit 204 is realized mainly by the control unit 11. Even if the time restriction unit 204 receives a Mid whose use start time has not been visited, the time restriction unit 204 restricts the transfer using the Mid. Further, for example, the situation restriction unit 205 may be included in the financial institution system 1 or the accounting system 2, and may be included in the financial institution system 1. The situation restriction unit 205 restricts the transfer using the user's Mid based on the login situation of the user's accounting system 2.

  (6) Further, for example, two or more of the modified examples described above may be combined.

  Further, for example, the transfer control system S may execute a plurality of transfers in a lump instead of individually executing each transfer as described in the embodiment. In this case, the transfer content information transmitted from the accounting system 2 to the financial institution system 1 includes the contents of each of a plurality of transfers. When the Mid validity check is completed, the financial institution system 1 executes a plurality of transfers included in the transfer content information simultaneously or continuously.

  For example, the transfer control system S may include three or more accounting systems 2 or may include only one accounting system 2. If there is only one accounting system 2, there is no need to issue a Mid for each accounting system 2, and it is not necessary to make the accounting system 2 identifiable by the Mid. For example, although the case where Mid was not notified to a user was demonstrated, Mid may be notified to a user. Further, for example, the user may be able to confirm his / her Mid on the accounting system 2. Further, for example, the issuing instruction of Mid may be performed in a state where the user is not logged in to the accounting system 2, and the accounting system 2 to which the user wants to issue Mid may be specified to the financial institution system 1. Further, for example, the validity check of the authentication information of the accounting system 2 may be omitted.

  Further, for example, the computer included in the transfer control system S is not limited to the example in FIG. 1, and the financial institution system 1 and the accounting system 2 may each include a plurality of server computers. Further, for example, among the functions described above, the access control unit 203, the timing restriction unit 204, and the situation restriction unit 205 may be omitted.

  S transfer control system, 1 financial institution system, 10 financial institution server, 11 control unit, 12 storage unit, 13 communication unit, 2 accounting system, 20 accounting server, 21 control unit, 22 storage unit, 23 communication unit, 30 user terminal , 31 control unit, 32 storage unit, 33 communication unit, 34 operation unit, 35 display unit, G1 login screen, G2 menu screen, G3 login screen, G4 issuance instruction screen, G5 issuance completion screen, G6 expense settlement screen, G7 transfer Request screen, G8 transfer completion screen, 100 data storage unit, 101 issue unit, 102 transmission unit, 103 determination unit, 104 transfer execution unit, 200 data storage unit, 201 transfer request reception unit, 202 transmission unit, 203 access control unit, 204 Time Limiting Unit, 205 Situation Limiting Unit, DB10 Financial Institution Mid Database, D 11 authentication information database, DB20 accounting Mid database.

Claims (20)

A transfer control system including an accounting system used by a plurality of users, and a financial institution system of a financial institution where each user has an account,
The financial institution system is
Issuing means for issuing transfer requester identification information for making a transfer from the account of the user who has given a predetermined issuance instruction;
Storage means for storing the transfer requester identification information issued by the issuing means in a state where the account of the user who issued the issuing instruction can be identified;
Transmitting means for transmitting the transfer requester identification information issued by the issuing means to the accounting system;
Including
The accounting system
Storage means for storing the transfer requester identification information received from the financial institution system in a state in which the user who issued the issue instruction can be identified;
From each user, a transfer request receiving means for receiving a transfer request related to the accounting process of the accounting system,
When the transfer request receiving unit receives the transfer request, the transfer requester identification information of the user who made the transfer request and the transfer content information related to the transfer request are transmitted to the financial institution system. A transmission means;
Including
The financial institution system is
A determination unit that determines whether the transfer requester identification information exists in the storage unit of the financial institution system when the transfer requester identification information and the transfer content information are received from the accounting system;
Based on the determination result of the determination means, a transfer execution means for executing a transfer according to the transfer content information from the account identified by the transfer requester identification information,
The transfer control system characterized by further including. The transfer control system includes a plurality of the accounting systems,
Each user utilizes at least one of the plurality of accounting systems,
The storage means of the financial institution system stores the transfer requester identification information in a state in which any of the plurality of accounting systems can be identified,
The transmission means of the financial institution system transmits the transfer requester identification information to the accounting system identified by the transfer requester identification information issued by the issuing means,
The determination means of the financial institution system further determines whether the transfer requester identification information received from each accounting system is received from the accounting system identified by the transfer requester identification information;
The transfer control system according to claim 1. The storage means of the financial institution system stores the transfer requester identification information and the accounting system identification information of any of the plurality of accounting systems in association with each other,
The transmitting means of the financial institution system transmits the transfer requester identification information to the accounting system indicated by the accounting system identification information associated with the transfer requester identification information issued by the issuing means,
The determination unit of the financial institution system determines whether the transfer requester identification information received from each accounting system has been received from the accounting system indicated by the accounting system identification information associated with the transfer requester identification information. judge,
The transfer control system according to claim 2. The storage means of the financial institution system stores the transfer requester identification information and the account identification information of the account of the user who issued the issue instruction in association with each other,
Based on the determination result of the determination unit, the transfer execution unit of the financial institution system performs a transfer according to the transfer content information from the account indicated by the account identification information associated with the transfer requester identification information. Run,
The transfer control system according to any one of claims 1 to 3. The storage means of the accounting system stores the transfer requester identification information and the user identification information of the user who issued the issuance instruction in association with each other,
The transmission means of the accounting system transmits the transfer requester identification information associated with the user identification information of the user who made the transfer request to the financial institution system,
The transfer control system according to any one of claims 1 to 4. The transmitting means of the financial institution system transmits the transfer requester identification information issued by the issuing means only to the accounting system without transmitting to the user who issued the issuing instruction.
The transfer control system according to any one of claims 1 to 5. When the accounting system receives a predetermined operation by a user who is logged in to the accounting system, an access control means for allowing the user to access the financial institution system;
Further including
The issuance means of the financial institution system receives the issuance instruction including approval for execution of the transfer through the accounting system when the logged-in user accesses through the accounting system,
The transfer control system according to any one of claims 1 to 6. In the transfer requester identification information, a use start time is set,
The accounting system or the financial institution system, based on the use start time set in each transfer requester identification information, time limit means for limiting the transfer using the transfer requester identification information,
The transfer control system according to claim 1, further comprising: The storage means of the financial institution system further stores authentication information of the accounting system,
The transmission means of each accounting system further transmits the authentication information to the financial institution system,
The determination means of the financial institution system further determines whether the authentication information received from the accounting system exists in the storage means of the financial institution system;
The transfer control system according to any one of claims 1 to 8. The accounting system or the financial institution system restricts a transfer using the transfer requester identification information based on a login status of the user identified by the transfer requester identification information to the accounting system,
The transfer control system according to claim 1, further comprising: The transfer requester identification information includes any accounting system identification information of the plurality of accounting systems,
The transmitting means of the financial institution system transmits the transfer requester identification information to the accounting system indicated by the accounting system identification information included in the transfer requester identification information issued by the issuing means,
The determination unit of the financial institution system further determines whether the transfer requester identification information received from each accounting system is received from the accounting system indicated by the accounting system identification information included in the transfer requester identification information. To
The transfer control system according to claim 2. The transfer requester identification information includes account identification information of the account of the user who issued the issue instruction,
The determination unit of the financial institution system executes a transfer according to the transfer content information from the account indicated by the account identification information included in the transfer requester identification information based on a determination result of the determination unit.
The transfer control system according to any one of claims 1 to 3. The transfer requester identification information includes user identification information of the user who issued the issue instruction,
The transmission means of the accounting system transmits the transfer requester identification information including the user identification information of the user who made the transfer request to the financial institution system,
The transfer control system according to any one of claims 1 to 3. A financial institution system of a financial institution that can exchange data with an accounting system used by a plurality of users and that has an account of each user,
Issuing means for issuing transfer requester identification information for making a transfer from the account of the user who has given a predetermined issuance instruction;
Storage means for storing the transfer requester identification information issued by the issuing means in a state where the account of the user who issued the issuing instruction can be identified;
Transmitting means for transmitting the transfer requester identification information issued by the issuing means to the accounting system;
When the transfer requester identification information corresponding to the user who made the transfer request and the transfer content information related to the transfer request are received from the accounting system that has received the transfer request related to the accounting process, the transfer request Determination means for determining whether or not person identification information exists in the storage means of the financial institution system;
Based on the determination result of the determination means, a transfer execution means for executing a transfer according to the transfer content information from the account identified by the transfer requester identification information,
A financial institution system characterized by including: An accounting system capable of transmitting / receiving data to / from a financial institution system of a financial institution having accounts of a plurality of users,
Storage means for storing transfer requester identification information received from the financial institution system for transferring from the account of the user who has issued a predetermined issue instruction in a state in which the user who has issued the issue instruction can be identified;
From each user, a transfer request receiving means for receiving a transfer request related to the accounting process of the accounting system,
When the transfer request accepting unit accepts the transfer request, the transfer requester identification information corresponding to the user who made the transfer request and the transfer content information related to the transfer request are sent to the financial institution system. A transmission means for transmitting;
An accounting system characterized by including: A control method of a transfer control system, including an accounting system used by a plurality of users, and a financial institution system of a financial institution where each user has an account,
The financial institution system is
An issuance step of issuing transfer requester identification information for making a transfer from the account of the user who has given a predetermined issuance instruction;
A storage step of storing the transfer requester identification information issued in the issuing step in a storage unit of the financial institution system in a state where the account of the user who issued the issue instruction can be identified;
A transmission step of transmitting the transfer requester identification information issued in the issuing step to the accounting system;
Including
The accounting system
A storage step of storing the transfer requester identification information received from the financial institution system in a storage unit of the accounting system in a state where the user who issued the issue instruction can be identified,
From each user, a transfer request receiving step for receiving a transfer request related to the accounting process of the accounting system;
When the transfer request is received in the transfer request reception step, the transfer requester identification information of the user who made the transfer request and the transfer content information related to the transfer request are transmitted to the financial institution system. Sending step;
Including
The financial institution system is
A determination step of determining whether the transfer requester identification information exists in the storage means of the financial institution system when the transfer requester identification information and the transfer content information are received from the accounting system;
Based on the determination result of the determination step, a transfer execution step of executing a transfer according to the transfer content information from the account identified by the transfer requester identification information;
A method for controlling a transfer control system, further comprising: A method for controlling a financial institution system of a financial institution capable of transmitting and receiving data to and from an accounting system used by a plurality of users and having an account of each user,
An issuance step of issuing transfer requester identification information for making a transfer from the account of the user who has given a predetermined issuance instruction;
A storage step of storing the transfer requester identification information issued in the issuing step in a storage unit in a state where the account of the user who issued the issuing instruction can be identified;
A transmission step of transmitting the transfer requester identification information issued in the issuing step to the accounting system;
When the transfer requester identification information corresponding to the user who made the transfer request and the transfer content information related to the transfer request are received from the accounting system that has received the transfer request related to the accounting process, the transfer request A determination step of determining whether person identification information exists in the storage means of the financial institution system;
Based on the determination result of the determination step, a transfer execution step of executing a transfer according to the transfer content information from the account identified by the transfer requester identification information;
A method for controlling a financial institution system, comprising: A method for controlling an accounting system capable of transmitting / receiving data to / from a financial institution system of a financial institution having accounts of a plurality of users,
A storage step of storing transfer requester identification information received from the financial institution system for making a transfer from the account of the user who has issued a predetermined issue instruction in a storage unit in a state where the user who has issued the issue instruction can be identified. When,
From each user, a transfer request receiving step for receiving a transfer request related to the accounting process of the accounting system;
When the transfer request is received in the transfer request reception step, the transfer requester identification information corresponding to the user who made the transfer request and the transfer content information related to the transfer request are sent to the financial institution system. A sending step to send;
An accounting system control method comprising: A computer of a financial institution that can exchange data with an accounting system used by multiple users and has an account for each user,
Issuing means for issuing transfer requester identification information for making a transfer from the account of the user who has given a predetermined issue instruction;
Storage means for storing the transfer requester identification information issued by the issuing means in a state in which the account of the user who issued the issuing instruction can be identified;
Transmitting means for transmitting the transfer requester identification information issued by the issuing means to the accounting system,
When the transfer requester identification information corresponding to the user who made the transfer request and the transfer content information related to the transfer request are received from the accounting system that has received the transfer request related to the accounting process, the transfer request Determination means for determining whether or not person identification information exists in the storage means of the financial institution system;
Based on the determination result of the determination means, a transfer execution means for executing a transfer according to the transfer content information from the account identified by the transfer requester identification information,
Program to function as. A computer capable of transmitting and receiving data to and from a financial institution system of a financial institution having accounts of a plurality of users,
Storage means for storing transfer requester identification information received from the financial institution system for transferring from the account of the user who has issued a predetermined issue instruction in a state in which the user who has issued the issue instruction can be identified,
From each user, a transfer request receiving means for receiving a transfer request related to the accounting process of the accounting system,
When the transfer request accepting unit accepts the transfer request, the transfer requester identification information corresponding to the user who made the transfer request and the transfer content information related to the transfer request are sent to the financial institution system. A transmission means for transmitting,
Program to function as.

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