JP2019028998A - Saving deposit inquiry system - Google Patents

Abstract

To manage a task for making an inquiry for a deposit balance of a specific depositor to a financial institution in a batch.SOLUTION: A management server 14 receives request data 42 from a request source 16 for making a request for an inquiry of a deposit account of a specific depositor to a financial institution 24, and generates a database 62 for inquiry. Inquiry request generation means 94 generates and transmits an inquiry request to the financial institution 24 connected to a network 22. An inquiry result is written in the database 62 for inquiry, and the request source 16 searches the database 62 for inquiry to acquire the inquiry result. When a transaction detail of any depositor is requested, transaction detail transmission means 36 acquires the transaction detail of the specific depositor from the financial institution 24, and adds it to the database 62 for inquiry.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a deposit and savings inquiry system that supports operations for a tax office, a local government, and the like to confirm the existence of a deposit account of a specific depositor and a deposit balance.

  When a tax office or local government is considering seizure of deposits and savings for tax delinquents, the deposit balance of the tax delinquent is confirmed by official authority. For this purpose, the government office makes an inquiry directly to the relevant financial institution. Requests are usually made by handing over documents, but financial institutions often receive many inquiries from day to day, and a lot of time is spent on dealing with them. In view of this, a system has been developed that undertakes centralized transfer of request data files and answer data files by a computer system (Patent Document 1).

Japanese Patent No. 569586

  Institutions other than the above-mentioned government offices may also ask financial institutions to inquire about deposit accounts of specific depositors. However, each requester has its own computer system, and when an inquiry request data file in various formats and formats is transferred to a financial institution, the financial institution reads the data file and creates reply data. It becomes complicated. It may be possible to prepare a dedicated application common to each client and financial institution, but the application must be installed on the computers of all relevant institutions and familiarized with usage, so there is a problem with freedom There is.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to realize a deposit / savings inquiry system with good operability by minimizing the load on related organizations.

  The following configurations are examples of means for solving the above-described problems.

<Configuration 1>
For requesting a deposit account of a specific depositor to a financial institution, provided in a management server that connects a requesting terminal device and a financial institution terminal device via a network,
For inquiries to receive input of request data necessary for inquiring a deposit account of a specific depositor by the requesting terminal device, and to relate this request data to an inquiry result obtained from a financial institution for this inquiry request Database generation means for generating a database;
After the request data is input, an inquiry request generation means for generating an inquiry request addressed to a financial institution with reference to the inquiry database;
Inquiry request transmission means for transmitting the inquiry request generated by the inquiry request generation means to a financial institution;
Data acquisition means for acquiring a query result generated by a financial institution from a storage device of the financial institution;
A database search means for displaying a search result including the inquiry result for the inquiry request on a terminal device of the requester using a provided search key when the requester makes a search request for the inquiry database;
The database search means displays the search result on the requesting terminal device and accepts a request for any depositor's transaction details,
The data acquisition means acquires the transaction details of a corresponding depositor from a terminal device of a financial institution and adds it to the inquiry database.

<Configuration 2>
Request data receiving means for requesting a financial institution to inquire about a deposit account of a specific depositor and receiving request data necessary for inquiring about the deposit account of the specific depositor from the request source ,
An inquiry request sending means for generating an inquiry request fixed form using the request data received from the request source and then sending it to a plurality of financial institutions connected to the network;
Response acquisition means for acquiring inquiry response data including the account number and deposit balance of the corresponding depositor from each financial institution;
Inquiry result reporting means for editing the inquiry response data displayed on the display of the requesting terminal device and transmitting it to the requesting source;
A statement request means for sending a message requesting the transaction details of the corresponding depositor to the corresponding financial institution when there is a reply requesting the transaction details of the specific depositor from the requester;
A deposit and savings inquiry system comprising transaction details transmitting means for transmitting the transaction details of the specific depositor acquired from a financial institution to the requester.

<Configuration 3>
The deposit request saving means according to Configuration 1 or 2, wherein the query request transmission means transmits the query request to a plurality of banks having a high probability that the depositor's account previously stored in the management server exists. Inquiry system.

<Configuration 4>
A computer program that causes a computer to function as the means described in Configuration 1 or 2.

<Configuration 5>
A computer-readable recording medium on which the computer program according to Configuration 4 is recorded.

<Effect of Configuration 1>
Since the management server generates a query database and writes the query request data to the management server, the management server generates a query request and sends it to the financial institution. The load can be reduced. For example, the inquiry request generation means transmits the inquiry request read from the inquiry database to the financial institution as CSV format data, and the data acquisition means is generated by the financial institution and stored in the financial institution. The inquiry result in CSV format written in the apparatus can be read out and passed to the database generation means, and the database generation means can relate the inquiry result for the corresponding inquiry request. In this way, since the CSV format data is versatile, the financial institution can directly use the bank's own account system or the like to take in the inquiry request and generate the inquiry result. In addition, the processing is completed simply by storing the inquiry result in the storage device of the own bank, the transmission processing of the inquiry result is unnecessary, and the load is reduced.
<Effect of Configuration 2>
Since the request form received from the request source is used to generate the inquiry request form, and the inquiry request is sent to the financial institution, all the financial institutions need to always respond to a certain inquiry request, and the load on the financial institution Is reduced. Also in this case, for example, the inquiry request transmission means transmits the inquiry request read from the inquiry database to the financial institution in CSV format, and the response acquisition means is generated by the financial institution and is transmitted to the financial institution. It is also possible to read out the inquiry result in CSV format written in the storage device and pass it to the inquiry result reporting means.
<Effect of Configuration 3>
A plurality of lines of inquiry request transmission destinations may be prepared in advance, and the inquiry request may be automatically transmitted to several lines.

It is a functional block diagram which shows the deposit-savings inquiry system of Example 1. (A) is request data 42, (b) is a reference request fixed form 44, (c) is a specific example explanatory drawing of the inquiry response data 48. (A) is transaction example request message 56, (b) is a specific example explanatory drawing of transaction statement 58. FIG. It is a functional block diagram which shows the deposit-savings inquiry system of Example 2. It is explanatory drawing which shows an example of the screen displayed during said process. It is an operation | movement flowchart of the management server 14 in case a request origin makes an inquiry request. It is an operation | movement flowchart of the management server 14 when the request origin 16 browses an inquiry request.

  Hereinafter, embodiments of the present invention will be described in detail for each example.

FIG. 1 is a functional block diagram of a deposit and savings inquiry system 12 according to the first embodiment. 2 and 3 are explanatory diagrams showing specific examples of the structure of data used.
In the figure, the request source 16 is connected to the deposit and savings inquiry system 12 via the network 22. The deposit / savings inquiry system 12 is connected to a large number of financial institutions 24 via a network 22.

  The request source 16 in the figure is provided with a request terminal device 18 for communication. In addition, the deposit and savings inquiry system 12 is provided with a management server 14 for communication and computer processing. The management server 14 incorporates a computer program that causes the computer to function as the request data receiving means 28, the inquiry request transmitting means 30, the response obtaining means 32, the inquiry result reporting means 34, the transaction details transmitting means 36, and the details request means 40. ing. The financial institution 24 is provided with a management terminal device 26 for communication.

  The requester 16 is a tax office or a local government. The financial institution 24 is a bank or a credit bank that mainly handles deposits and savings. The requester 16 may or may not know to which financial institution 24 the tax delinquent has a deposit account. Therefore, it is not always possible to specify the inquired financial institution 24.

  For such a case, the deposit and savings inquiry system 12 is effectively utilized. That is, the requester 16 may create the minimum required request data 42 for checking whether the tax delinquent has a deposit account. You may or may not include the financial institution you are inquiring about. The deposit and savings inquiry system 12 is connected to request terminals 18 of arbitrary plural tax offices or local governments, and can accept inquiry requests.

  The request source 16 transmits request data 42 necessary for referring to a deposit account of a specific depositor who is a tax delinquent to the deposit and savings inquiry system 12. The request data 42 may be in a format unique to each local government. If the data extracted from the management data of the request source can be transmitted to the deposit and savings inquiry system 12 as it is, the load on the request source can be reduced. The inquiry request transmission means 30 of the deposit / savings inquiry system 12 converts the request data 42 received from the request source 16 into an inquiry request fixed form 44 common to all financial institutions, and then connects to any network 22 connected to the network 22. Transmit to financial institution 24.

  For example, some taxpayers have a history of foreclosures in the past. In that case, the financial institution 24 to which the request should be transmitted in advance can be included in the inquiry request on the request source side. However, since another bank account may be opened after that, it is better to make an inquiry request to as many financial institutions as possible. Note that a specific inquiry request fixed form 44 may be used instead of the common format only for a specific financial institution 24. The inquiry request transmission means 30 may automatically generate individual inquiry requests. This can also be included in the service for the convenience to the financial institution by the deposit and savings inquiry system 12.

  For example, as shown in FIG. 2A, the request data 42 is composed of a list of a depositor's name, date of birth, address, and the like. If the target bank for which you want to make an inquiry is known, the bank name may be specified. The inquiry request fixed form 44 includes an inquiry number, a depositor name, a date of birth, and an address, as shown in FIG. The reference number can also be used to identify the requester. For example, it is only necessary to store data in which a request source identification code is associated with a request reference number. If the request source is clarified, the report transmission destination of the inquiry result can be automatically specified even if there are inquiry requests from a large number of request sources.

  When the management terminal device 26 of the financial institution 24 receives the inquiry request fixed form 44 from the management server 14 of the deposit / savings inquiry system 12, the search key for the depositor name, date of birth, address, etc. included in the reference request fixed form 44 Search the bank's management system database and extract the deposit account of the person concerned. When the corresponding deposit account is extracted, the management terminal device 26 of the financial institution 24 generates inquiry response data 48 and stores it in the storage device of the terminal device. The response acquisition unit 32 of the deposit / savings inquiry system 12 reads and acquires the inquiry response data 48 at an arbitrary timing. As will be described in detail in the second embodiment, when this is done, the response reply work of the financial institution becomes unnecessary, and the load on the financial institution is reduced.

  As shown in FIG. 2C, the inquiry response data 48 is data including, for example, an inquiry number, a depositor name, a deposit balance, a financial institution code, and the like. Specifically, for example, survey target person management numbers and data listing the financial institution's store number, subject code, account number, store name, customer number, name, date of birth, postal code, address, etc. are included. After the requester 16 sees the inquiry response data 48, details such as recent transaction history and deposit balance may be further requested. Accordingly, the inquiry result reporting means 34 edits inquiry response data 48 designed so that the requester 16 can confirm the deposit balance and immediately make a detailed transaction history inquiry request.

  That is, the inquiry result reporting means 34 displays inquiry response data 48 as shown in FIG. 2C on the display 20 of the request terminal device 18 of the request source 16. A selection button 52 that can request the transaction details of any depositor is added to the list of the depositor's account number, deposit balance, and financial institution name.

  When one of the selection buttons 52 displayed on the display 20 of the request terminal device 18 is clicked, a transaction details request message 56 as shown in FIG. 3A is generated. When there are a plurality of depositors who wish to request transaction details, after all the selection buttons 52 are clicked, the transmission button 54 is clicked. The transaction details request message 56 thus generated at the management server by the details request means 40 is transmitted to the management terminal device 26 of the financial institution. The transaction statement request message 56 may be transmitted in real time, or for example, the day may be collectively transmitted at night. This message may include a reference number, a depositor's account number, and the like.

  In accordance with this request, the financial institution 24 creates a transaction statement 58 as shown in FIG. The transaction details 58 are obtained by the same method as the inquiry response data 48. The transaction details transmitting means 36 of the deposit and savings inquiry system 12 transmits the transaction details of a specific depositor acquired from the financial institution 24 to the requester 16.

FIG. 4 is a functional block diagram illustrating the system according to the second embodiment. FIG. 5 is an explanatory diagram showing an example of a screen displayed during the above processing.
In this embodiment, the request source can be expanded widely. That is, in the first embodiment, an example in which the requester is a tax office, a municipality, a local government in a prefecture, or the like has been described. However, it is possible to receive similar requests more broadly. The system of the second embodiment has a configuration suitable for that case.

  This system can be used, for example, by a lawyer office for deposit confirmation when there is a divorce consultation or inheritance. The police can also use it for investigating deposits of related parties when an incident occurs. A welfare office can also be used to investigate whether something protected by the state is really not working or not.

  Financial institutions that receive inquiries include city banks and local banks, credit unions and credit unions, agricultural cooperatives and fishermen's cooperatives, online banks and insurance companies, and businesses dealing with virtual currency. In the second embodiment, these various requesters directly write a request item for a specific depositor's account reference into the inquiry database 62 of the management server 14 using a data input form. On the other hand, as in the first embodiment, the financial institution describes an example in which the reply process is not required after the inquiry request is received and the inquiry result is generated.

  In addition, it is normal that the requesting source does not know which financial institution the specific depositor seeking the inquiry has. For example, there is a client who designates several financial institutions with some expectation. However, even if you make an inquiry to a designated financial institution, you may receive a reply that all are not applicable. Therefore, in the system of the second embodiment, similarly to the first embodiment, for example, five major banks with a high probability of having an account or five major banks including local banks in the area where the depositor's address is located. In this way, a function for automatically selecting an inquiry destination is provided.

  In FIG. 4, a terminal device of a request source 16 and a terminal device of a financial institution 24 are connected to the management server 14 via a network (not shown). The management server 14 stores an inquiry database 62 that accumulates data for inquiry processing. The inquiry database 62 includes the request contents of the request source 16 and the inquiry results from the financial institution 24 in response to the requests in the order of the reference numbers issued in sequence.

  The database generation means 90 provided in the management server 14 displays, for example, a data input form as described in FIG. 5 on the browser of the requesting terminal device, and the depositor's name 66, address 68, date of birth 70 Input data such as. The database generation means 90 has a function of generating a query database 62 using this input data.

  That is, the database generation means 90 generates a reference number 64 and records the depositor's name 66, address 68, date of birth 70, remarks 74, etc. at the corresponding location in the reference database 62. Note that the remark 74 is reference information such as the purpose of the inquiry and the laws and regulations that are the basis of the inquiry.

  The inquiry request generating means 94 provided in the management server 14 has a function of generating inquiry request data addressed to the financial institution 24 with reference to the inquiry database 62. The inquiry request transmission unit 30 has a function of transmitting the inquiry request data generated by the inquiry request generation unit 94 to the financial institution 24. The transmission data is preferably in CSV format that can be easily handled by a financial institution, as will be described later.

  The requester 16 may or may not specify the financial institution 24 that inquires for an account. If specified, the contents are written in the financial institution name 75 of the inquiry database 62. On the other hand, for the case where there is no designation, a financial institution list 63 that lists major banks with a high probability of having an account in advance is stored in the storage device of the management server 14.

  If there is no designation of the financial institution 24, the inquiry request having the same contents is automatically transmitted to several financial institutions listed in the financial institution list 63. This is the same function as in the first embodiment. Various financial institution lists 63 are prepared, and it is possible to select five major banks including local banks in the region where the depositor's address is located. This process is executed by the inquiry request generation means 94.

  When the financial institution 24 obtains the contents of the inquiry request, it uses the bank's management system to examine the depositor's account number 76 and the deposit balance 78. For example, if the inquiry request data is in CSV format (data in a standard format in which necessary items are separated by a delimiter code), it can be easily imported into an existing system of a financial institution, the inquiry result is edited, The result can be output again in CSV format. The data thus output is stored in the storage device of the financial institution. The data acquisition means 31 provided in the management server 14 logs into the financial institution server at a predetermined timing and reads the inquiry result output in the CSV format. Thereby, the financial institution can omit the work of returning the inquiry result.

  The database generation unit 90 provided in the management server 14 writes the inquiry result read by the data acquisition unit 31 in the inquiry database 62. Then, the inquiry flag 80 of the inquiry database 62 is turned on. That is, this inquiry item is displayed as having received a response from the financial institution 24. If the inquiry flag 80 is on and the account number 76 and the deposit balance 78 are blank, it means that there is no corresponding.

  The request source 16 can search the inquiry database 62 at an arbitrary timing, and display the result of the inquiry request on the terminal device of the request source using a browser. That is, the request source 16 requests the database search unit 92 of the management server 14 to search the reference database 62 using, for example, the reference number 64 and the name of the request source 16 as search keys. Only the search result is displayed on the requesting terminal device so that data other than the data requested for the inquiry cannot be seen.

  The database search means 92 searches the data of the corresponding reference number 64 for which the inquired flag 80 is turned on, and displays the result of the inquiry request on the requesting terminal device. After the request source 16 confirms the data in this way, the reference flag 82 is turned on. If the account number 76 and the deposit balance 78 are not sufficient, the requester 16 turns on the detailed request flag 84. A check box for turning on the detailed request flag 84 may be displayed together with the result of the inquiry request. The display screen at this time may be the one excited in the middle of FIG.

  In this way, the request source 16 can check the result of the inquiry request at an arbitrary timing. Therefore, the requester does not need to receive and display the data file obtained by editing the inquiry result. The query database 62 can be viewed at any time with a standard browser. If necessary, the CSV format data can be downloaded and the inquiry result can be easily used by the requester 16.

  The inquiry request generation means 94 of the management server 14 requests the financial institution 24 for details of the deposit data when the detail request flag 84 is on. This notification and acquisition of a response from a financial institution may be performed in the same manner as the inquiry request processing described above. The financial institution 24 receives the request, examines the details of the deposit data, generates the transaction details 86, and stores them in the storage device. In this embodiment, an example is shown in which the acquired transaction details 86 are uploaded as a list separately from the inquiry database 62. The inquiry database 62 and each transaction statement 86 are linked.

  The requester 16 can request the database search unit 92 to display the transaction details 86 again using a browser at an arbitrary timing. For example, a check may be made on the selection button 52 displayed on the display, and the transaction details inquiry button 104 (in the table in the center part of FIG. 5) may be clicked. The database search means 92 reads the transaction details 86 linked to the detailed request flag 84 and displays it on the terminal device of the request source 16.

  The screen illustrated in FIG. 5 is a screen displayed on the terminal device of the request source by the request source using the browser. The top screen in FIG. 5 is a specific example of the inquiry request input form 100. In the inquiry request input form 100, an inquiry number 64, a depositor's name 66, a date of birth 70, an address 68, a remark 74, and the like can be input. Data entered using the inquiry request input form 100 is written into the inquiry database 62.

  For example, the request source can display the inquiry request input form 100 on the terminal device using a browser, and can easily input the requested items into the inquiry database 62 of the server. For example, at this time, the financial institution list button 107 can be clicked to display a list of financial institutions, and the financial institution can be designated simply by selecting one of the financial institutions.

  If there are many request items, it is troublesome to input data one by one using the inquiry request input form 100. Therefore, a data input button 110 is provided on the screen of the inquiry request input form 100. The data input button 110 enables data input using CSV format data, for example, by a script. Data in CSV format (not shown) in which requested items are listed in advance is stored in the requesting terminal device.

  When the data input button 110 is clicked, this CSV format data can be read into the management server 14 side. The database generation means 90 of the management server automatically inputs requested items to the inquiry database 62 at once. If the requester also generates data in the CSV format, it is not necessary to provide a unique program for creating the inquiry request, and the load can be reduced.

  When the requester wants to confirm the input result, the query database 102 can be displayed by operating the query database 62. In the query list 102 of FIG. 5, an example in which the query result 108 has already been written is shown. However, when the request source inputs the query request, the query result 108 part is blank. The requester can also add, modify or delete the inquiry request using the inquiry list 102.

  The inquiry request searched and edited in the inquiry database 62 is transmitted to the financial institution, and the inquiry result 108 created in the financial institution is acquired by the management server 14 side and written in the inquiry list 102 as described above. . The inquiry result 108 includes an inquiry flag 80, a financial institution name 75, and the like. In this example, the account number 76 is written together with the financial institution name 75. The inquiry flag 80 also includes a display for distinguishing between cases where there is an applicable account and cases where there is no corresponding account.

  The requester views the inquiry list 102 in the account inquiry state using a browser, and clicks the transaction details inquiry button 104 as necessary. Then, the transaction details 86 are requested to be input to the financial institution. Thereafter, when the transaction details 86 are acquired on the management server 14 side, the requester displays the inquiry list 102 and selects with the selection button 52, and then operates the transaction details display button 106 to view the corresponding transaction details 86. Can do.

FIG. 6 is an operation flowchart of the management server 14 when the request source makes an inquiry request.
In step S11, login authentication processing of the request source 16 is performed. Next, in step S12, the inquiry request input form 100 is displayed on the terminal device of the request source 16. In step S 13, the data input in the inquiry request input form 100 is written into the inquiry database 62. The database generation means 90 executes the processing from step S11 to step S13.

  Next, the inquiry request generation means 94 detects that new writing has been performed in the inquiry database 62, and generates an inquiry request in step S14. The inquiry request transmission means 30 transmits the inquiry request generated in step S15 to the financial institution 24. A financial institution uses a query request data to create a query result. Thereafter, in step S16, the data acquisition unit 31 of the management server 14 acquires the inquiry result of the financial institution in the manner already described. The database generation means 90 writes the inquiry result in the inquiry database 62 in step S17.

FIG. 7 is an operation flowchart of the management server 14 when the request source 16 browses the inquiry request.
In step S21, the login authentication process of the request source 16 is performed in the manner described above.
In step S22, the database search means 92 searches the inquiry database 62 by operating the requesting browser. At this time, the inquiry request of the request source is automatically searched for data in which the inquiry flag 80 and the reference flag 82 are on. In step S23, the inquiry result 108 extracted by searching is displayed on the requesting terminal device.

  When the requester considers the inquiry result 108 and feels it is necessary, the requester makes a transaction statement inquiry request in step S24. The management server 14 accepts this request by operating the transaction details inquiry button 104. In step S <b> 25, in response to this request, the detail request means 40 transmits data for a transaction detail inquiry request to the financial institution 24. Thereafter, in step S26, the transaction details 86 are acquired on the management server 14 side by the processing of the data acquisition means 31, and in step S27, the data is uploaded.

  As described above, the management server 14 creates a database by editing inquiry requests from various request sources and inquiry results from financial institutions. The requester can freely browse the inquiry results at any timing. In particular, the requester only needs to access the management server 14 and input the requested items, and does not require processing such as creating a request data file and sending it to the management server 14 independently. In addition, since the management server 14 generates data in a format that can be used to create a query result by an existing system at a financial institution and uses it to acquire the query result of the financial institution, the burden on the financial institution is reduced. it can. As a result, it is possible to process inquiry requests from a large number of requesters to a large number of financial institutions with almost no changes to the existing systems of the requesters and financial institutions.

DESCRIPTION OF SYMBOLS 12 Deposit savings inquiry system 14 Management server 16 Request origin 18 Request terminal device 20 Display 22 Network 24 Financial institution 26 Management terminal device 28 Request data receiving means 30 Inquiry request transmission means 31 Data acquisition means 32 Response acquisition means 34 Inquiry result report means 36 Transaction Detailed transmission means 40 Detailed request means 42 Request data 44 Inquiry request fixed form 48 Inquiry response data 52 Select button 54 Send button 56 Transaction details request message 58 Transaction details 62 Reference database 63 Financial institution list 64 Reference number 66 Depositor name 68 Address 70 Date of birth 74 Remarks 75 Financial institution name 76 Account number 78 Deposit balance 80 Referenced flag 82 Referenced flag 84 Detailed request flag 86 Transaction details 90 Database generation means 92 Database search means 94 Inquiry request generation means 00 Query Request input form 102 query list 104 trading item display button 106 transaction details display button 107 financial institution list button 108 query results 110 data entry buttons

Government office, such as a tax office and local municipalities for the tax delinquent, in the case such as that examined the seizure of deposits confirms the deposit balance of the tax delinquent ex officio. For this purpose, the government office makes an inquiry directly to the relevant financial institution. Requests are usually made by handing over documents, but financial institutions often receive many inquiries from day to day, and a lot of time is spent on dealing with them. In view of this, a system has been developed that undertakes centralized transfer of request data files and answer data files by a computer system (Patent Document 1).

The database search means 92 searches the data of the corresponding reference number 64 for which the inquired flag 80 is turned on, and displays the result of the inquiry request on the requesting terminal device. After the request source 16 confirms the data in this way, the reference flag 82 is turned on. If the account number 76 and the deposit balance 78 are not sufficient, the requester 16 turns on the detailed request flag 84. A check box for turning on the detailed request flag 84 may be displayed together with the result of the inquiry request. The display screen at this time may be the one illustrated in the middle of FIG.

<Configuration 1>
For requesting a deposit account of a specific depositor to a financial institution, provided in a management server that connects a requesting terminal device and a financial institution terminal device via a network,
For inquiries to receive input of request data necessary for inquiring a deposit account of a specific depositor by the requesting terminal device, and to relate this request data to an inquiry result obtained from a financial institution for this inquiry request Database generation means for generating a database;
After the request data is input, an inquiry request generation means for generating an inquiry request addressed to a financial institution with reference to the inquiry database;
Inquiry request transmission means for writing the inquiry request generated by the inquiry request generation means into a predetermined storage device of a financial institution;
Data acquisition means for acquiring from the storage device a query result generated by the financial institution and written in the storage device of the financial institution ;
A database search means for displaying a search result including the inquiry result for the inquiry request on the terminal device of the requester using the provided search key when the requester makes a search request for the inquiry database. ,
The database search means displays the search result on the requesting terminal device and accepts a request for any depositor's transaction details,
The data acquisition means acquires the transaction details of the corresponding depositor from the storage device of the financial institution, adds it to the inquiry database,
The inquiry request generation means writes the inquiry request read from the inquiry database into a standard format data that can be used to create an inquiry result by an existing system and writes it to the storage device of the financial institution,
The data acquisition means reads the query result by the standard format data generated by the financial institution and written in the storage device of the financial institution, and passes it to the database generation means.
The deposit / savings inquiry system, wherein the database generation means generates an inquiry database so as to relate an inquiry result with respect to an inquiry request.

<Configuration 2>
Request data receiving means for requesting a financial institution to inquire about a deposit account of a specific depositor and receiving request data necessary for inquiring about the deposit account of the specific depositor from the request source ,
Using the request data received from the requester to generate a reference request form, and then writing it into a predetermined storage device of a plurality of financial institutions connected to the network;
Response acquisition means for acquiring inquiry response data including the account number and deposit balance of the corresponding depositor from each financial institution;
Inquiry result reporting means for editing the inquiry response data displayed on the display of the requesting terminal device and transmitting it to the requesting source;
A statement request means for sending a message requesting the transaction details of the corresponding depositor to the corresponding financial institution when there is a reply requesting the transaction details of the specific depositor from the requester;
Transaction details transmitting means for transmitting the transaction details of the specific depositor acquired from the financial institution to the requester;
The inquiry request transmitting means writes the request data necessary for the inquiry of the deposit account of the specific depositor into the above-mentioned storage device of the financial institution as standard format data that can generate an inquiry result by an existing system. ,
The above-mentioned response acquisition means reads out the inquiry result based on the data in the standard format generated by the financial institution and written in the storage device of the financial institution and passes it to the inquiry result reporting means.

<Configuration 3>
The above inquiry request sending means can create request results necessary for the inquiry of the deposit account of the specific depositor by the existing system, and the standard format data in which necessary items are separated by a delimiter code. The deposit / save inquiry system according to the first or second aspect, wherein the storage / inquiry system is written in the storage device of the financial institution.

<Configuration 4>
A computer program that causes a computer to function as the means according to any one of configurations 1 to 3.

<Configuration 5>
A computer-readable recording medium on which the computer program according to Configuration 4 is recorded.

Since the management server generates a query database and writes the query request data to the management server, the management server generates a query request and sends it to the financial institution. The load can be reduced. For example, the inquiry request generation means transmits the inquiry request read from the inquiry database to the financial institution as CSV format data, and the data acquisition means is generated by the financial institution and stored in the financial institution. The inquiry result in CSV format written in the apparatus can be read out and passed to the database generation means, and the database generation means can relate the inquiry result for the corresponding inquiry request.
In this way, since the CSV format data is versatile, the financial institution can directly use the bank's own account system or the like to take in the inquiry request and generate the inquiry result. In addition, the processing is completed simply by storing the inquiry result in the storage device of the own bank, the transmission processing of the inquiry result is unnecessary, and the load is reduced.
Since the request form received from the request source is used to generate the inquiry request form, and the inquiry request is sent to the financial institution, all the financial institutions need to always respond to a certain inquiry request, and the load on the financial institution Is reduced.

The database search means 92 searches the data of the corresponding reference number 64 for which the inquired flag 80 is turned on, and displays the result of the inquiry request on the requesting terminal device. After the request source 16 confirms the data in this way, the reference flag 82 is turned on. If the account number 76 and the deposit balance 78 are not sufficient, the requester 16 turns on the detailed request flag 84. A check box for turning on the detailed request flag 84 may be displayed together with the result of the inquiry request. The display screen at this time may be the one illustrated in the middle of FIG.

Claims (5)

For requesting a deposit account of a specific depositor to a financial institution, provided in a management server that connects a requesting terminal device and a financial institution terminal device via a network,
For inquiries to receive input of request data necessary for inquiring a deposit account of a specific depositor by the requesting terminal device, and to relate this request data to an inquiry result obtained from a financial institution for this inquiry request Database generation means for generating a database;
After the request data is input, an inquiry request generation means for generating an inquiry request addressed to a financial institution with reference to the inquiry database;
Inquiry request transmission means for transmitting the inquiry request generated by the inquiry request generation means to a financial institution;
Data acquisition means for acquiring a query result generated by a financial institution from a storage device of the financial institution;
A database search means for displaying a search result including the inquiry result for the inquiry request on a terminal device of the requester using a provided search key when the requester makes a search request for the inquiry database;
The database search means displays the search result on the requesting terminal device and accepts a request for any depositor's transaction details,
The data acquisition means acquires the transaction details of a corresponding depositor from a terminal device of a financial institution and adds it to the inquiry database. Request data receiving means for requesting a financial institution to inquire about a deposit account of a specific depositor and receiving request data necessary for inquiring about the deposit account of the specific depositor from the request source ,
An inquiry request sending means for generating an inquiry request fixed form using the request data received from the request source and then sending it to a plurality of financial institutions connected to the network;
Response acquisition means for acquiring inquiry response data including the account number and deposit balance of the corresponding depositor from each financial institution;
Inquiry result reporting means for editing the inquiry response data displayed on the display of the requesting terminal device and transmitting it to the requesting source;
A statement request means for sending a message requesting the transaction details of the corresponding depositor to the corresponding financial institution when there is a reply requesting the transaction details of the specific depositor from the requester;
A deposit and savings inquiry system comprising transaction details transmitting means for transmitting the transaction details of the specific depositor acquired from a financial institution to the requester.   The inquiry request transmitting means transmits the inquiry request collectively to a plurality of banks having a high probability that the depositor's account stored in advance in the management server is present. Deposit savings inquiry system.   A computer program for causing a computer to function as the means according to claim 1.   A computer-readable recording medium on which the computer program according to claim 4 is recorded.

Images