JP2022079831A - Account transfer system and computer program - Google Patents

Abstract

To provide an account transfer system that reduces risk of accrued receivables from a sales price of goods by a business operator and the cost associated with the collection request to a storage agency.SOLUTION: It is an account transfer system that transfers funds between a customer deposit account and a separate deposit account set up for each account transfer request source managed by a financial institution, and an account transfer information reception unit for receiving account transfer information including an account transfer amount in which funds are transferred from the customer deposit account to the separate deposit account from an account transfer requester, and a withdrawal processing unit for processing the account transfer amount related to the account transfer information from a customer deposit account on an account transfer date, and the first fund transfer processing unit that transfers funds to a separate deposit account from the account transfer amount that has been withdrawn from the customer deposit account, and the undebited account transfer amount that could not be deducted from the customer's savings account on the account transfer date, and a fund transfer processing unit including the second fund transfer processing department that performs the fund transfer processing in a separate deposit account as the advance amount by the financial institution.SELECTED DRAWING: Figure 2

Description

The present invention relates to an account transfer system and a computer program.

As one aspect of payment of the product sales price or service provision fee between the consumer who is the end user and the product seller or the business operator who is the service provider, a method of withdrawing from the consumer's deposit account, so-called account. Transfers are known. With regard to the product sales price or service provision fee due to the withdrawal from the consumer's deposit account, how to solve the receivables caused by the shortage of the balance in the consumer's deposit account has been an issue for the business operator. rice field.

Reference 1 describes a guarantee business system that makes advance payment and guarantee execution on behalf of the customer who used the service to a comprehensive service company such as the Internet, and ensures that the usage fee of the service provider etc. can be collected. The method has been proposed.

Japanese Unexamined Patent Publication No. 2001-331949

In the case of business operators, the above-mentioned deterioration of cash flow due to the occurrence of receivables and the cost of sending a reminder to consumers to eliminate the receivables and requesting collection to a storage agency represented by convenience stores. Elimination is an issue. It is also desired that financial institutions that carry out withdrawal processing also work together with businesses to solve these problems.

It is an object of the present invention to reduce the risk due to the occurrence of receivables for the product sales price or the service provision fee in the business operator and the cost associated with the collection request to the storage agency.

[1]
It is an account transfer system that transfers funds between a customer deposit account owned by a customer and a separate deposit account set up for each account transfer requester managed by a financial institution.
An account transfer information receiving unit that receives account transfer information including an account transfer amount for which funds are transferred from the customer deposit account to the special deposit account from the account transfer requester.
Based on the account transfer information, a withdrawal processing unit that performs processing to withdraw the account transfer amount from the customer deposit account on a predetermined account transfer date, and
The first fund transfer processing unit that performs the fund transfer processing of the debited account transfer amount that has been deducted from the customer deposit account to the special deposit account.
The amount calculated by the formula set in advance with the undebited account transfer amount corresponding to the account transfer amount that could not be withdrawn from the customer deposit account on the account transfer date as a variable is used as the advance amount by the financial institution. A second fund transfer processing unit that performs fund transfer processing for the advance amount in the special deposit account managed by the financial institution, and
An account transfer system characterized by being equipped with.

[2]
A computer program for operating a computer as the account transfer system described in [1].

According to the present invention, it is possible to reduce the risk due to the occurrence of receivables for the product sales price or the service provision fee in the business operator and the cost associated with the collection request to the storage agency.

It is a figure which shows an example of the structure of the whole system including the account transfer system of this embodiment. It is a figure which shows an example of the structure of the account transfer system of this embodiment. (A) It is a figure showing an example of the information stored in the storage part provided in the account transfer system of this embodiment. (B) It is a figure which shows an example of the structure of the advance contract management part provided in the account transfer system of this embodiment. (C) It is a figure which shows an example of the structure of the fund transfer processing unit provided in the account transfer system of this embodiment. It is a figure which shows an example of the structure of the internal management account of the financial institution provided in the account transfer system of this embodiment. It is a figure explaining an example of the fund transfer processing by the withdrawal processing in the account transfer system of this embodiment. It is a figure explaining an example of the fund transfer processing by the advance processing in the account transfer system of this embodiment. It is a figure explaining an example of the fund transfer processing by the collection processing of the advance amount in the account transfer system of this embodiment. It is a figure explaining an example of the fund transfer processing by the substitution payment processing in the account transfer system of this embodiment. It is a figure explaining an example of the fund transfer processing to the account transfer requesting source deposit account in the account transfer system of this embodiment. It is a figure explaining another example of the fund transfer processing to the account transfer requesting source deposit account in the account transfer system of this embodiment. It is a flow chart about an example of the creation process of the advance contract information in the account transfer system of this embodiment. It is a flow chart about an example of the withdrawal processing of the account transfer amount from the customer deposit account in the account transfer system of this embodiment. It is a flow chart about an example of the advance processing and the collection processing of the advance amount in the account transfer system of this embodiment. It is a flow chart about an example of the substitution payment processing in the account transfer system of this embodiment. It is a flow chart about an example of the fund transfer processing to the account transfer requesting source deposit account in the account transfer system of this embodiment.

Hereinafter, an example of an embodiment of the present invention will be described with reference to the accompanying drawings.

The account transfer system 1 of the present embodiment is composed of one or a plurality of computers, and is a business operator who sells products or provides services to a customer who is an end user, or a person who is entrusted by the business operator (account transfer requesting source). ) Is used when receiving the payment of the product sales price of the product or the service provision fee of the service by withdrawal from the customer's deposit account (customer deposit account).

In one embodiment, the business operator or a person entrusted by the business operator (account transfer requester) requests a financial institution to transfer the product sales price or the service provision fee to a bank account. Between the customer's deposit account (customer deposit account) and the bank account owned by the business operator or the bank account owned by the person entrusted by the business operator (account transfer requesting source). , The account transfer system in which the transfer processing of the product sales price or the service provision fee is performed.

In such an account transfer system 1, one or a plurality of financial institutions that provide the above-mentioned transfer processing service to the customer and the business operator or a person entrusted by the business operator (account transfer requesting source). It is a system that is provided and managed using the computer of.

As one embodiment, the terminal and network used by the above-mentioned business operator or a person entrusted by the above-mentioned business operator (account transfer requesting source), which is communicably connected to the terminal used by the above-mentioned customer via a network. An account transfer system 1 is constructed in a form in which funds are transferred between a customer deposit account owned by a customer and a separate deposit account set up for each account billing source managed by a financial institution. be able to.

FIG. 1 In the illustrated example, the account transfer system 1 is communicably connected to the customer terminal 2 via the network 4, and is communicably connected to the account transfer request system 3 managed by the account transfer requester via the network 5. Has been done. The network 4 is, for example, an Internet communication network and a public communication network including a wireless communication network defined by a wireless communication standard, and the network 5 is, for example, a dedicated communication network.

The present embodiment includes a computer program for operating a computer as the account transfer system 1 described in this embodiment.

The customer terminal 2 is a terminal used by a customer who has purchased a product or received a service from the business operator or a person entrusted by the business operator (account transfer requesting source), and is a personal computer or a smartphone. , Tablet, etc. Although not shown, a customer terminal 2 such as a personal computer, a smartphone, or a tablet has a calculation processing unit composed of a CPU or the like for processing and performing calculations, a main storage unit for storing various data such as a main memory, and a main storage unit. It includes an information output unit such as a liquid crystal display, an information input unit such as a touch panel, and a communication unit for transmitting and receiving various types of information.

The account transfer request system 3 is composed of one or a plurality of computers (terminals such as personal computers, smartphones, tablets, etc.) and servers, respectively.

The account transfer request system 3 shown in FIG. 1 is a system in which a person entrusted with the storage agency business of the product sales price or the service provision fee is managed as a storage agency that performs the storage agency business. Therefore, in the present embodiment, the account transfer requester who receives the consignment from the business operator who sells the product or provides the service to the customer who is the end user and receives the product sales price of the product or the service provision fee of the service. It is a storage agency, and it is an account transfer system in which the storage agency collects the product sales price or service provision fee paid by the business operator from the customer on behalf of the business operator. In addition, the business operator who sold the product or provided the service to the customer who is the end user may manage and use the account transfer request system 3.

Although not shown, the computer or server constituting the account transfer request system 3 is composed of a CPU or the like and has an arithmetic processing unit that processes and calculates various data, and a main storage unit that stores various data such as main memory. It is provided with an information output unit such as a liquid crystal display, an information input unit such as a touch panel, and a communication unit for transmitting and receiving various information. Further, the server may be composed of one or a plurality of devices, or may be a server realized on the cloud.

As shown in FIG. 2, the account transfer system 1 includes a communication unit 6, a control unit 7, a storage unit 8, a replacement contract management unit 9, a customer message management unit 10, a customer status management unit 11, and an account transfer information reception unit 12. It includes a withdrawal processing unit 13, a fund transfer processing unit 14, a replacement amount collection period setting unit 15, a customer deposit account balance monitoring processing unit 16, and a re-debit processing unit 17. Since the account transfer system 1 is composed of one or a plurality of computers as described above, the above-mentioned processing units are integrated into a single server, and the above-mentioned processing units are configured by a server corresponding to each processing unit. can do. Further, the server may be composed of one or a plurality of devices, or may be a server realized on the cloud.

The communication unit 6 transmits / receives information to / from the customer terminal 2 via the public communication network 4, and transmits / receives information to / from the account transfer request system 3 via the dedicated communication network 5.

The control unit 7 includes an arithmetic processing unit configured by a CPU or the like to process and perform calculations of various data, and a main storage unit for storing various data such as a main memory, and each of the above processing units included in the account transfer system 1 is provided. Controls information processing by.

The storage unit 8 is an auxiliary storage device such as an internal storage. In the present embodiment, as shown in FIG. 3A, the storage unit 8 has an account transfer request source information 18, customer information 19, advance contract information 20, account transfer information 21, internal management account information 22, and account transfer result information. 23 is remembered.

The account transfer request source information 18 is information that the storage agent, which is the account transfer request source, reports to the financial institution that provides the account transfer service according to the present embodiment. In the present embodiment, the account transfer request source information 18 includes the following information.
・ Information necessary for opening the deposit account of the account transfer requester such as the name and address of the storage agent, and the branch name, account type, account number, etc. of the financial institution after opening the deposit account of the account transfer requester.・ Matters that identify the customer such as the customer's name stated in the account transfer application form that the customer applied to the business operator or the storage agent, and the branch name, account type, and account number of the deposit account. Matters that identify customer deposit accounts, etc.

The customer information 19 is information that the customer reports to the financial institution that provides the account transfer service according to the present embodiment. This information includes the customer's name / name, address, telephone number, information necessary for opening a customer deposit account if it is a corporation, branch name of the financial institution after opening the customer deposit account, account type, etc. The account number is included.

The advance contract information 20 describes the account transfer amount that the financial institution could not process when the customer's customer deposit account could not process the product sales price or the service provision fee, which is the account transfer amount, due to insufficient balance. It is the contract information that is the basis for performing the reimbursement process on behalf of the customer and paying the reimbursed amount to the storage agent. This information is created by associating one or more account transfer requesting sources for each customer based on the account transfer requesting source information 18 and the customer information 19. In addition, the replacement contract information 20 includes the following replacement contract status.
-Registration: The replacement contract is registered. In this state, the replacement process is performed.
・ Suspension: The replacement contract is suspended. In this state, the replacement process is not performed.
-Failure: A state in which the receivables associated with the reimbursement contract have lost the profit due to the maturity. It is set based on the payment delinquency of the predetermined account transfer amount and accident information. In this state, the replacement process is not performed.
・ Cancellation: The replacement contract has been cancelled. In this state, the replacement process is not performed.

The account transfer information 21 is the account transfer details information regarding the fund transfer processing from the customer's customer deposit account to the account transfer requesting source deposit account of the storage agent. This information includes the name and name of the customer for whom the replacement contract related to the replacement contract information 20 has been established, the customer deposit account, and when (withdrawal date) and how much amount (account transfer amount) will be withdrawn from the customer deposit account. , Is included.

The internal management account information 22 is information about an account provided in the financial institution that provides the account transfer service according to the present embodiment. In the present embodiment, the internal management account information 22 is composed of an internal management account 22a provided with a subject as shown in FIG.
-Separate deposit item 22b: This item is for fund transfer, which is different from the account transfer requesting source deposit account opened by the account transfer requesting source at a financial institution, and is provided and managed for each account transfer requesting source. In this embodiment, it may be referred to as a separate deposit account.
-Advance payment item 22c: A financial institution for the account transfer amount that could not be deducted when the customer's customer deposit account could not be deducted from the product sales price or service provision fee, which is the account transfer amount, due to insufficient balance. This is a subject for the financial institution to calculate and prepare the advance amount due to the above, and is provided and managed for each one or more account transfer requesters. Further, in the present embodiment, only one advance payment item 22c is provided and managed for all account transfer requesters.

The account transfer result information 23 is information about the results of various fund transfer processes by the fund transfer processing unit 14, which will be described later.

As shown in FIG. 3B, the advance contract management unit 9 has an account transfer requester information reception unit 25, a customer information reception unit 26, an internal management account setting processing unit 27, a replacement contract information creation unit 28, and an account transfer result information. It has a creation unit 29.

As shown in FIG. 3C, the fund transfer processing unit 14 has a first fund transfer processing unit 14a, a second fund transfer processing unit 14b, a third fund transfer processing unit 14c, and a fourth fund transfer processing unit. It is equipped with a 14d and a fund payment processing unit 14e.

Hereinafter, the advance contract management unit 9, the customer message management unit 10, the customer status management unit 11, the account transfer information reception unit 12, the withdrawal processing unit 13, the fund transfer processing unit 14, the advance payment collection period setting unit 15, and the customer deposit account. Information processing by the balance monitoring processing unit 16 and the re-debit processing unit 17 will be described with reference to FIGS. 5 to 15. Further, as an example, the customer deposit account and the deposit account of the storage agent, which is the account transfer requesting source deposit account, will be described as a deposit account opened by the same financial institution.

[Advance contract management process]
(S101)
The account transfer request source information receiving unit 25 performs a process of receiving the account transfer request source information 18 from the account transfer request system 3.
In the present embodiment, the account transfer request source information reception unit 25 displays a predetermined management screen and input screen for the terminal provided in the account transfer request system 3 that has accessed the account transfer system 1, and the account transfer request source information 18 is displayed. Accept input. Further, the account information requesting source information 18 may be transmitted from the account transfer request system 3 to the account transfer system 1 without displaying the input screen on the terminal provided in the account transfer request system 3.

(S102)
The customer information receiving unit 26 performs a process of receiving the customer information 19 from the customer terminal 2.
In the present embodiment, the URL for the customer terminal 2 related to the customer's contact information described in the account transfer application form included in the account transfer requesting source information 18 received by the account transfer requesting source information receiving unit 25. Send a short message or E-mail with. For the customer terminal 2 that has accessed the URL, the customer information receiving unit 26 displays a predetermined management screen and input screen and accepts the input of the customer information 19. Further, this process may be omitted, and the customer information 19 may be included in the content received from the account transfer request system 3 by the account transfer requesting source information receiving unit 25 in S101.

(S103)
The internal management account setting processing unit 27 processes to set a special deposit item 22b for the account transfer requesting source in the internal management account 22a based on the account transfer requesting source information 18 received by the account transfer requesting source information receiving unit 25. conduct. Further, the internal management account setting processing unit 27 sets the advance deposit item 22c for each special deposit item 22b of the account transfer requesting source, or collectively sets the special deposit items 22b of a plurality or all the account transfer requesting sources. Performs the process of setting the associated advance payment item 22c.

(S104)
The advance contract information creation unit 28 has one or more account transfers for each customer based on the account transfer request source information 18 received by the account transfer request source information reception unit 25 and the customer information 19 received by the customer information reception unit 26. The process of creating the advance contract information 20 associated with the billing source is performed.

(S105)
The replacement contract management unit 9 notifies the customer terminal 2 of the fact that the replacement contract information 20 has been created by short message or E-mail. Further, the advance contract management unit 9 receives a request for acquisition, inquiry, and correction of the advance contract information 20 from the terminal or the customer terminal 2 of the account transfer request system 3 that has accessed the account transfer system 1. Display the screen and input screen.
The advance contract management unit 9 updates the advance contract information 20 such as changing the above-mentioned advance contract status based on the correction information about the advance contract information 20 received from the account transfer request system 3 or the customer terminal 2. Perform the processing.

[Normal withdrawal processing]
(S201)
The account transfer information receiving unit 12 performs a process of receiving the account transfer information 21 including the account transfer amount for which the fund transfer process is performed from the customer deposit account 30 to the account transfer requesting source deposit account from the account transfer requesting source.
In the present embodiment, the account transfer information receiving unit 12 displays a predetermined input screen for the terminal provided in the account transfer request system 3 that has accessed the account transfer system 1, and the advance contract related to the advance contract information 20 is established. It accepts the input of the account transfer information 21 including information such as when (withdrawal date) and how much amount (account transfer amount) is to be withdrawn from the customer deposit account 30 and the customer deposit account 30. Further, the account transfer information 21 may be transmitted from the account transfer request system 3 to the account transfer system 1 without displaying a predetermined input screen on the terminal provided in the account transfer request system 3 that has accessed the account transfer system 1. good.

(S202)
The customer message management unit 10 collates the account transfer information 21 received by the account transfer information reception unit 12 with the advance contract information 20 stored in the storage unit 8, and the customer deposit account included in the account transfer information 21. An account transfer advance notice composed of a predetermined form is created for the customer terminal 2 according to 30, and the account transfer advance notice is notified to the customer terminal 2 by a short message, E-mail, or the like.

(S203)
The withdrawal processing unit 13 performs a process of withdrawing the account transfer amount from the customer deposit account 30 on a predetermined account transfer date based on the account transfer information 21.
In the example shown in FIG. 5, the product sales price or the service provision fee of 8,000 yen, which is the account transfer amount, is deducted from the customer deposit account 30 in which 10,000 yen was deposited on the predetermined account transfer date.

(S204)
The first fund transfer processing unit 14a performs fund transfer processing from the customer deposit account 30 to a separate deposit account of the account transfer requesting source managed by the financial institution.
In the present embodiment, the first fund transfer processing unit 14a is a separate account transfer requester set in the internal management account 22a that manages the financial institution with the withdrawn account transfer amount that has been withdrawn from the customer deposit account 30. Transfer funds to deposit item 22b.
In the example shown in FIG. 5, the debited account transfer amount of 8,000 yen that has been deducted from the customer deposit account 30 is funded to the special deposit item 22b of the account transfer requesting source set in the internal management account 22a of the financial institution. It has been transferred.

(S205)
If the withdrawal processing unit 13 cannot process the withdrawal of the account transfer amount from the customer deposit account 30 on the predetermined account transfer date (S203-N), the customer message management unit 10 can withdraw the account transfer amount. An account transfer reminder notice composed of a predetermined form is created for the customer terminal 2 relating to the customer deposit account 30 that has not been found, and the account transfer reminder notice is notified to the customer terminal 2 by a short message, E-mail, or the like. In addition, the process shifts to the replacement process and the collection process, which will be described later.

[Reimbursement processing and collection processing]
(S301)
If the withdrawal processing unit 13 cannot process the withdrawal of the account transfer amount from the customer deposit account 30 on the predetermined account transfer date (S203-N), the second fund transfer processing unit 14b will deposit the customer deposit after the account transfer date. With the undebited account transfer amount corresponding to the account transfer amount that could not be deducted from the account 30 as a variable, the amount calculated by the formula preset for each account transfer requesting source is used as the advance amount by the financial institution. Fund transfer processing by advance is performed in a special deposit account of the account transfer requesting source managed by the financial institution.
In the present embodiment, the second fund transfer processing unit 14b transfers the undebited account transfer amount from the advance payment item 22c set in the internal management account 22a of the financial institution to the special deposit item 22b of the account transfer requesting source. Fund transfer processing is performed as the advance amount by the financial institution.
In the example shown in FIG. 6, the advance payment item 22c set in the internal management account 22a of the financial institution on the day after the account transfer date is transferred to the special deposit item 22b of the account transfer requesting source, and the customer deposit account on the account transfer date. The undebited account transfer amount of 1,500 yen, which corresponds to the account transfer amount that could not be deducted from 30, is processed as the advance amount by the financial institution. The balance of the advance payment item 22c in the present embodiment indicates a zero or a negative value, and the absolute value thereof is recognized as the amount of the advance payment.

(S302)
The advance amount collection period setting unit 15 performs a process of setting the collection period of the advance amount and the account transfer reminder notification frequency by the financial institution after the fund transfer process for the advance amount by the second fund transfer processing unit 14b. .. In the present embodiment, as an example, the advance payment collection period setting unit 15 sets 6 months from the month to which the account transfer date belongs as the advance payment collection period. The frequency of notification of the account transfer reminder is set to a predetermined number of times, for example, the day after the account transfer date, the first business day of the financial institution in the month following the month to which the account transfer date belongs, and the like. In addition, for each fund transfer process for the advance amount by the second fund transfer processing unit 14b, the length of the collection period of the advance amount and the account transfer reminder notification according to the amount of the advance amount and the type of the storage agent. The frequency may be varied and set.
In addition, the collection period of the advance amount may be set in advance and stored in the storage unit 8 without performing the process of setting the collection period of the advance amount by the advance amount collection period setting unit 15. In this case, the preset collection period of the advance amount is included in the advance contract information 20, or is separately stored in the storage unit 8 as the advance amount collection period information.

(S303)
The customer message management unit 10 is composed of a predetermined form for the customer terminal 2 related to the customer deposit account 30 that could not withdraw the account transfer amount according to the account transfer reminder notification frequency during the collection period of the advance amount. Create an account transfer reminder notice, and notify the customer terminal 2 of the account transfer reminder notice by short message, E-mail, or the like. As the expiration date of the collection period of the advance amount approaches, the content of the account transfer reminder notification may be increased in urgency.

(S304, S305)
The customer deposit account balance monitoring processing unit 16 is a customer whose withdrawal processing unit 13 has not been able to withdraw the account transfer amount on the account transfer date within the set collection period of the advance amount after the account transfer date. A process of continuously monitoring the balance in the deposit account 30 or confirming it at a predetermined timing is performed. In the present embodiment, the customer deposit account balance monitoring processing unit 16 continuously performs the withdrawal processing unit 13 in the customer deposit account 30 on the account transfer date after the account transfer date. The balance will be monitored.
After the account transfer date, the customer deposit account balance monitoring processing unit 16 cannot withdraw the account transfer amount within the set collection period of the advance amount, and the withdrawal processing unit 13 cannot withdraw the account transfer amount on the account transfer date. When the balance in the account 30 is less than the undebited account transfer money, that is, when it is confirmed that the balance is insufficient (S305-Y), the customer message management unit 10 adjusts to the account transfer reminder notification frequency according to the processing of S303. Based on this, the necessity of the account transfer reminder notice is determined, and an account transfer reminder notice composed of a predetermined form is created for the customer terminal 2 related to the customer deposit account 30 that could not be debited from the undebited account transfer amount. Notify the customer terminal 2 of the account transfer reminder notification by a short message, E-mail, or the like. Further, the customer deposit account balance monitoring processing unit 16 continues to repeat the process of monitoring the account balance of the customer deposit account 30 described above.

(S306)
After the account transfer date, the re-debit processing unit 17 has a customer deposit account balance monitoring processing unit 16 within the set advance amount collection period, and the balance in the customer deposit account 30 is a part of the undebited account transfer amount. Or, when it is confirmed that the total amount can be withdrawn, the process of withdrawing the undebited account transfer amount from the customer deposit account 30 is performed. Further, the re-debit processing unit 17 transfers the undebited account transfer amount to the customer deposit account only when the balance in the customer deposit account 30 confirms that the entire amount of the undebited account transfer amount can be deducted. It may be configured to perform the process of withdrawing from 30.
In the example shown in FIG. 7, the customer deposit account balance monitoring processing unit 16 uses the second fund transfer processing unit 14b from the balance in the customer deposit account 30 within the set advance amount collection period after the account transfer date. When it is confirmed that a part of the undebited account transfer amount of 1,500 yen, which is the advance amount of the financial institution that has been transferred, 1,000 yen can be withdrawn, the re-debit processing unit 17 will use it. The 1,000 yen has been withdrawn. Further, the re-debit processing unit 17 may be designed to debit only a part of the undebited account transfer amount and only when all the debits can be deducted.
The third fund transfer processing unit 14c has the amount corresponding to a part or all of the undebited account transfer amount withdrawn by the re-debit processing unit 17 with respect to the undebited account transfer amount managed by the financial institution. A fund transfer process is performed to allocate to the account and update the advance amount.
In the present embodiment, the third fund transfer processing unit 14c transfers funds to the advance payment item 22c with an amount equivalent to a part or all of the undebited account transfer amount withdrawn by the re-debit processing unit 17. ..
In the example shown in FIG. 7, the 1,000 yen deducted by the re-debit processing unit 17 is the undebited account transfer amount 1 which is the advance amount of the financial institution that has been transferred by the second fund transfer processing unit 14b. , 500 yen is transferred to the advance payment item 22c set in the internal management account 22a of the financial institution.

[Substitute payment processing]
In this process, the customer deposit account balance monitoring processing unit 16 cannot withdraw the account transfer amount from the customer deposit account 30 within the set advance amount collection period, and the withdrawal processing unit 13 cannot withdraw the account transfer amount on the account transfer date. This is performed when the balance in the deposit is less than the withdrawal account transfer amount, that is, when the advance payment collection period has elapsed while the balance shortage has been confirmed.

(S401)
After the set advance amount collection period has elapsed, the customer status management unit 11 has the customer deposit account balance monitoring processing unit 16 that the balance in the customer deposit account 30 is equal to or greater than the undebited account transfer amount within the advance amount collection period. Based on the result that could not be confirmed, the replacement contract status of the customer is set to the expiration date for all the customers related to the customer deposit account 30 or the replacement contract information 20 between the customer and the account transfer requesting source. Perform the update process. The customer deposit account balance monitoring processing unit 16 performs a process of confirming the balance in the customer deposit account 30 in which the account transfer amount could not be withdrawn by the withdrawal processing unit 13 on the account transfer date at a predetermined timing. In the case of the configuration, the processing for confirming the balance in the customer deposit account 30 may be performed again before the processing after the lapse of the set advance amount collection period has elapsed.

(S402)
The fourth fund transfer processing unit d sets the total amount of advance payments for each storage agent recorded in the advancement contract information 20 whose advancement contract status is set to the deadline as the substitute payment amount received by the financial institution. Withdrawal from the deposit account, apply to the account for the transfer amount of the undebited account, and perform the fund transfer process to update the advance amount.
In the present embodiment, the fourth fund transfer processing unit 14d receives an amount equivalent to all of the advance amount from the storage agent, which is the account transfer requester, as the substitute payment amount received by the financial institution from the account transfer requester. The funds will be deducted from the special deposit item 22b, and the subrogation payment amount will be transferred from the special deposit item 22b to the advance payment item 22c.
In the example shown in FIG. 8, of the 1,500 yen reimbursement amount reimbursed by the financial institution, the reimbursement amount of the storage agent recorded in the reimbursement contract information 20 whose reimbursement contract status is set to the deadline. A total of 500 yen will be deducted from the special deposit item 22b of the account transfer requester as the substitute payment amount from the storage agent, and the substitute payment amount of 500 yen will be funded from the special deposit item 22b of the account transfer requester to the advance payment item 22c. It has been transferred.

(S403)
Based on the result of the fund transfer processing by the fourth fund transfer processing unit 14d, the customer status management unit 11 relates to the reimbursement contract information 20 between the customer whose reimbursement status is set to the deadline and the account transfer requester. , Performs a process to update the replacement contract status of the customer to be set to cancellation.

[Account transfer request Processing of funds transfer to the original deposit account]
(S501A)
After the fund transfer processing by the first fund transfer processing unit 14a, the fund payment processing unit 14e requests the account transfer from the special deposit account managed by the financial institution to the account transfer requester. Performs fund payment processing to the principal deposit account.
In the present embodiment, the fund payment processing unit 14e transfers funds to the special deposit item 22b of the account transfer requesting source set in the internal management account 22a managed by the financial institution by the first fund transfer processing unit 14a. After the account transfer date, the withdrawn account transfer amount is processed to be paid from the special deposit item 22b to the deposit agency deposit account 31.
In the example shown in FIG. 5, after the account transfer date, the debited account transfer amount of 8,000 yen from the special deposit item 22b of the account transfer requesting source is processed to be paid to the deposit account 31 of the storage agent.

(S501B)
After the fund transfer processing by the second fund transfer processing unit 14b, the fund payment processing unit 14e transfers the advance amount of the undebited account transfer amount by the financial institution from the special deposit account managed by the financial institution. Account transfer Request funds are paid to the original deposit account.
In the present embodiment, the fund payment processing unit 14e transfers funds to the special deposit item 22b of the account transfer requesting source set in the internal management account 22a managed by the financial institution by the second fund transfer processing unit 14b. The advance amount of the undebited account transfer amount by the financial institution is paid from the special deposit item 22b to the deposit account 31 of the storage agent after the account transfer date.
In the example shown in FIG. 6, the advance amount of 1,500 yen transferred by the financial institution from the special deposit item 22b of the account transfer requesting source after the account transfer date is processed to be paid to the storage agent deposit account 31.

(S501C)
When the fund transfer processing for the substitute payment amount is performed by the fourth fund transfer processing unit 14d, the fund payment processing unit 14e transfers the advance amount of the undebited account transfer amount by the financial institution to the finance. When the funds are transferred from the special deposit account managed by the institution to the account transfer requesting source deposit account, the amount obtained by subtracting the substitute payment amount from the advance amount is the amount obtained by subtracting the substitute payment amount from the special deposit account. Perform the fund payment process to.
In the present embodiment, the fund payment processing unit 14e sets the deposit amount of the undebited account transfer amount by the financial institution in the internal management account 22a managed by the financial institution. When the funds are paid from the subject 22b to the deposit agent deposit account 31, the amount obtained by subtracting the substitute payment amount from the advance amount is transferred from the separate deposit item 22b to the deposit agent deposit account 31 after the account transfer date. Perform payment processing.
In the example shown in FIG. 9, the amount obtained by subtracting the subrogation payment amount of 500 yen received by the financial institution from the advance amount of 1,500 yen that has been transferred to the special deposit item 22b of the account transfer requester is the account transfer. One day later, the funds are paid from the special deposit item 22b to the deposit account 31 of the storage agency.

(S501D)
When the fund transfer processing for the substitute payment amount is performed by the fourth fund transfer processing unit 14d, the fund payment processing unit 14e is the financial institution for the withdrawn account transfer amount or the undebited account transfer amount. When the funds are paid in from the special deposit account managed by the financial institution to the account transfer requesting source deposit account, the amount obtained by subtracting the substitute payment amount from the withdrawn account transfer amount or the advance payment The amount obtained by subtracting the subrogation payment amount from the amount is processed for payment of funds from the special deposit account to the account transfer requesting source deposit account.
In the present embodiment, the fund payment processing unit 14e is set in the internal management account 22a in which the financial institution manages the advance amount of the debited account transfer amount or the undebited account transfer amount by the financial institution. When the funds are paid from the special deposit item 22b of the account transfer requesting source to the deposit account 31 of the storage agent, the amount obtained by subtracting the substitute payment amount from the withdrawn account transfer amount or the substitute payment amount from the advance amount is calculated. After the account transfer date, the deducted amount is processed to be paid into the deposit account 31 of the storage agent from the special deposit item 22b.
In the example shown in FIG. 10, the financial institution receives the withdrawn account transfer amount of 8,000 yen from the customer deposit account 30a of the customer A who has been transferred to the special deposit item 22b of the account transfer requesting source. To the amount of 7,500 yen, which is a reduction of the amount of subrogation payment of 500 yen, and the amount of the account transfer that could not be deducted from the customer deposit account 30b of customer B, which is being transferred to the special deposit item 22b of the account transfer requester. The advance amount of 1,500 yen by the financial institution for the corresponding undebited account transfer amount is processed by payment of funds from the special deposit item 22b to the deposit agent deposit account 31 after the account transfer date.
Alternatively, by the financial institution regarding the undebited account transfer amount corresponding to the account transfer amount that could not be debited from the customer deposit account 30b of the customer B whose funds have been transferred to the special deposit item 22b of the account transfer requesting source. The amount of 1,000 yen, which is obtained by subtracting the subrogation payment amount of 500 yen received by the financial institution from the advance amount of 1,500 yen, and the customer deposit account of customer A whose funds are transferred to the special deposit item 22b of the account transfer requester. The withdrawn account transfer amount of 8,000 yen, which has been debited from 30a, is processed by depositing funds from the special deposit item 22b to the deposit account 31 of the deposit agency after the account transfer date.

(S502)
The account transfer result information creation unit 29 creates information about the results of various fund transfer processes by the fund transfer processing unit 14.
In the case of S501A, the account transfer result information creation unit 29 is the debited account from the separate deposit item 22b of the account transfer request source by the first fund transfer processing unit 14a and the fund payment processing unit 14e to the deposit account 31 of the storage agent. Create account transfer result information for the fund payment process of the transfer amount.
In the case of S501B, the account transfer result information creation unit 29 is operated by the financial institution from the separate deposit item 22b of the account transfer requesting source by the second fund transfer processing unit 14b and the fund payment processing unit 14e to the storage agent deposit account 31. Create account transfer result information for the fund payment process of the advance amount.
In the case of S501C, the account transfer result information creation unit 29 is a storage agent from the separate deposit item 22b of the account transfer request source by the second fund transfer processing unit 14b, the fourth fund transfer processing unit 14d, and the fund payment processing unit 14e. Creates account transfer result information for the fund payment processing of the amount obtained by deducting the substitute payment amount from the advance amount by the financial institution to the deposit account 31.
In the case of S501D, the account transfer result information creation unit 29 is an account transfer request source by the first fund transfer processing unit 14a, the second fund transfer processing unit 14b, the fourth fund transfer processing unit 14d, and the fund payment processing unit 14e. Creates account transfer result information for the fund payment processing of the amount of the withdrawn account transferred from the special deposit item 22b to the deposit account 31 of the storage agency or the amount of the substitute payment amount deducted from the advance amount by the financial institution. do.
In addition, in S501B to S501D, when the transfer amount of the financial institution is collected from the customer deposit account 30 to the advance payment item 22c by the third fund transfer processing unit 14c described in S306 described above. , Create account transfer result information for the collection process.
The account transfer result information creation unit 29 transmits various created account transfer result information to the account transfer request system 3. Alternatively, the account transfer result information creation unit 29 accepts requests for acquisition and inquiry of various created account transfer result information from the terminal or customer terminal 2 of the account transfer request system 3 that has accessed the account transfer system 1. Display the specified management screen and input screen.

As described above, in the present embodiment, in the fund transfer processing from the customer deposit account to the account transfer requesting source deposit account, which is performed monthly, the transfer processing of the account transfer amount cannot be performed due to insufficient balance of the customer deposit account. In addition, it is an account transfer system in which a financial institution transfers the account transfer amount on behalf of the customer. In addition, the account transfer amount (undebited account transfer amount) transferred by the financial institution is collected by repayment from the customer or subrogation payment from the account transfer requester.

Therefore, the account transfer requester can receive the advance amount from the financial institution when the transfer processing of the product sales price or the service provision fee cannot be performed from the customer on the account transfer date, so that the cost associated with the payment reminder to the customer can be received. Can be reduced and cash flow can be expected to improve. In addition, financial institutions are expected to increase the number of account transfer requesters who use the account transfer system according to this embodiment. In addition, since this subrogation payment is made by subtracting the total amount of the subrogation payment amount from the total amount of the debited account transfer amount and the undebited account transfer amount paid by the financial institution to the account transfer requester, the account transfer requester It is no longer necessary to pay the subrogation payment amount to the financial institution each time, and the financial institution can implement the present invention while reducing the billing cost to the account transfer requesting source.

1 Account transfer system 2 Customer terminal 3 Account transfer request system 4 Public communication network 5 Dedicated communication network 6 Communication unit 7 Control unit 8 Storage unit 9 Reimbursement contract management department 10 Customer message management department 11 Customer status management department 12 Account transfer information reception Department 13 Withdrawal processing department 14 Fund transfer processing department 15 Reimbursement amount collection period setting department 16 Customer deposit account balance confirmation processing department 17 Re-debit processing department 18 Account transfer requester information 19 Customer information 20 Reimbursement contract information 21 Account transfer information 22 Internal management Account information 22a Internal management account 22b Special deposit subject 23c Advance payment subject 23 Account transfer result information 25 Account transfer request source information Reception department 26 Customer information reception department 27 Internal management account setting processing department 28 Advance contract information creation department 29 Account transfer result information Creation Department 30 Customer Deposit Account 31 Storage Agent Deposit Account

[1]
An account transfer system that transfers funds between a customer's customer deposit account and a financial institution management account set up for each one or more account transfer requesters.
An account transfer information receiving unit that receives account transfer information including an account transfer amount for which funds are transferred from the customer deposit account to the financial institution management account from the account transfer requester.
Withdrawal processing unit that performs processing to withdraw the account transfer amount from the customer deposit account based on the account transfer information.
With the first fund transfer processing unit that performs fund transfer processing to the financial institution management account, the withdrawn account transfer amount that has been withdrawn from the customer deposit account .
The financial institution uses the amount calculated by a preset formula with the undebited account transfer amount corresponding to the account transfer amount that could not be withdrawn from the customer deposit account as a variable, as the advance amount by the financial institution. A second fund transfer processing unit that performs fund transfer processing for the amount of advance payment in the financial institution management account to be managed, and
An account transfer system characterized by being equipped with.

Claims (10)

It is an account transfer system that transfers funds between a customer deposit account owned by a customer and a separate deposit account set up for each account transfer requester managed by a financial institution.
An account transfer information receiving unit that receives account transfer information including an account transfer amount for which funds are transferred from the customer deposit account to the special deposit account from the account transfer requester.
Based on the account transfer information, a withdrawal processing unit that performs processing to withdraw the account transfer amount from the customer deposit account on a predetermined account transfer date, and
The first fund transfer processing unit that performs the fund transfer processing of the debited account transfer amount that has been deducted from the customer deposit account to the special deposit account.
The amount calculated by the formula set in advance with the undebited account transfer amount corresponding to the account transfer amount that could not be withdrawn from the customer deposit account on the account transfer date as a variable is used as the advance amount by the financial institution. A second fund transfer processing unit that performs fund transfer processing for the advance amount in the special deposit account managed by the financial institution, and
An account transfer system characterized by being equipped with. After the account transfer date, the customer deposit account balance monitoring processing unit that continuously monitors or confirms the balance in the customer deposit account that could not be withdrawn at a predetermined timing,
After the account transfer date, within the collection period of the advance amount, the customer deposit account balance monitoring processing unit can withdraw a part or all of the balance in the customer deposit account to the undebited account transfer amount. If it is confirmed that there is, the re-debit processing unit that performs the processing to withdraw the undebited account transfer amount from the customer deposit account, and
The amount corresponding to a part or all of the undebited account transfer amount deducted by the re-debit processing unit is applied to the account for the undebited account transfer amount managed by the financial institution, and the advance amount is updated. A third fund transfer processing department that performs fund transfer processing,
The account transfer system according to claim 1, further comprising. After the lapse of the collection period of the advance amount by the financial institution preset for the advance amount by the second fund transfer processing unit, the customer deposit account balance monitoring processing unit determines the balance in the customer deposit account. If it is confirmed that the transfer amount is insufficient for the undebited account transfer amount, the advance amount will be deducted from the special deposit account as the payment amount received by the financial institution and applied to the account for the undebited account transfer amount. , The fourth fund transfer processing unit that performs the fund transfer processing to update the advance amount,
2. The account transfer system according to claim 2, further comprising. After the fund transfer processing by the first fund transfer processing unit or after the fund transfer processing by the second fund transfer processing unit, the said by the financial institution regarding the withdrawn account transfer amount or the undebited account transfer amount. One of claims 1 to 3, further comprising a fund payment processing unit that performs fund payment processing from the separate deposit account to the account transfer requesting source deposit account owned by the account transfer requesting source. The account transfer system described in. An internal management account managed by the financial institution that has an advance payment item, which is an account for calculating the advance amount by the financial institution for the undebited account transfer amount, and a special deposit item as the special deposit account. Further prepared,
The first fund transfer processing unit performs fund transfer processing of the withdrawn account transfer amount to the special deposit item.
The second fund transfer processing unit is characterized in that when the funds transfer processing by the advance payment is performed for the undebited account transfer amount, the funds transfer processing of the advance payment amount is performed from the advance payment item to the special deposit item. The account transfer system according to claim 1. An internal management account managed by the financial institution that has an advance payment item, which is an account for calculating the advance amount by the financial institution for the undebited account transfer amount, and a special deposit item as the special deposit account. Further prepared,
The first fund transfer processing unit performs fund transfer processing of the withdrawn account transfer amount to the special deposit item.
When the second fund transfer processing unit performs the fund transfer processing by the advance for the undebited account transfer amount, the second fund transfer processing unit performs the fund transfer processing of the advance amount from the advance money item to the special deposit item.
The third fund transfer processing unit is characterized in that an amount corresponding to a part or all of the undebited account transfer amount withdrawn by the re-debit processing unit is transferred to the advance payment item. The account transfer system according to claim 2. An internal management account managed by the financial institution that has an advance payment item, which is an account for calculating the advance amount by the financial institution for the undebited account transfer amount, and a special deposit item as the special deposit account. Further prepared,
The first fund transfer processing unit performs fund transfer processing of the withdrawn account transfer amount to the special deposit item.
When the second fund transfer processing unit performs the fund transfer processing by the advance for the undebited account transfer amount, the second fund transfer processing unit performs the fund transfer processing of the advance amount from the advance money item to the special deposit item.
The third fund transfer processing unit transfers funds to the advance payment item with an amount corresponding to a part or all of the undebited account transfer amount withdrawn by the re-debit processing unit.
When the customer deposit account balance confirmation processing unit confirms that the balance in the customer deposit account is insufficient for the undebited account transfer amount after the collection period of the advance amount has elapsed, the fourth fund The account transfer system according to claim 3, wherein the transfer processing unit transfers the payment amount from the special deposit item to the advance payment item. The amount of the debited account transfer or the amount of the undebited account transfer that has been transferred to the special deposit item by the financial institution is transferred from the special deposit item to the account transfer requester of the account transfer requester. The account transfer system according to claim 5 or 6, further comprising a fund payment processing unit that performs fund payment processing to the billing source deposit account. The amount of the debited account transfer or the amount of the undebited account transfer that has been transferred to the special deposit item by the financial institution is transferred from the special deposit item to the account transfer requester of the account transfer requester. It also has a fund payment processing department that processes funds to the billing source deposit account.
When the fund transfer processing for the payment amount by the fourth fund transfer processing unit is performed, the fund payment processing unit is the financial institution for the withdrawn account transfer amount or the undebited account transfer amount. When the advance amount is paid from the special deposit item to the account transfer requesting source deposit account, the amount obtained by subtracting the payment amount from the withdrawn account transfer amount or the payment amount is subtracted from the advance amount. The account transfer system according to claim 7, wherein the amount of money is paid from the special deposit item to the account transfer requesting source deposit account. A computer program for operating a computer as the account transfer system according to any one of claims 1 to 9.

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