JP2023148846A - Trust business support server, trust business support method and trust business support program - Google Patents

Abstract

To provide a server, a method and a program for supporting trust business of an assignee so as to easily manage trust properties.SOLUTION: Processing that a processing part 15 of a trust business support server 1 executes includes: a detail acquisition process of acquiring, from an information providing server 5 which can provides depositing/withdrawing transaction details of a deposit account, depositing/withdrawing transaction details of an assignee name account based upon information associated with the assignee name account included in account information; a history information update process of updating the history information based upon the depositing/withdrawing transaction details acquired in the detail acquisition process; and a trust property information update process of updating trust property information in response to updating of the history information. The trust property information update process includes updating the trust property information so that the amount of money in a trust account is decreased by an amount of money transfer when the history information is updated based upon depositing/withdrawing transaction details representing money transfer of money from the trust account to the assignee name account.SELECTED DRAWING: Figure 1

Description

Application for application of Article 30, Paragraph 2 of the Patent Act (1) Published in an article published on the website of Nihon Keizai Shimbun Co., Ltd. on September 7, 2021 (2) Published on October 28, 2021 Published in the publication “Business Guide Separate Volume November Issue Family Trust Practical Guide” by Nippon Horei Co., Ltd. (3) “Kinda Sales 2022 2,” a publication by Kindai Sales Co., Ltd. published on February 1, 2022 Published in "Monthly 1st issue"

The present invention relates to a trust business support server, a trust business support method, and a trust business support program.

If a person loses their ability to make decisions due to dementia, they will not be able to withdraw money from their bank account or use their assets (buying and selling securities, real estate, etc.), and their assets will be frozen. In recent years, family trusts have been attracting attention as a way to avoid the risk of asset freezing. In a family trust, a trust contract is entered into between the principal (the settlor) and a family member (trustee) when the principal is of sound judgment, and the right to manage the principal's assets is transferred to the family. Having family members manage assets based on a trust agreement has the advantage of being more flexible than the adult guardianship system, which manages assets according to court policy. Additionally, family trusts have the advantage of being able to manage assets that would not be allowed under the adult guardianship system, and of reducing the cost of fees paid to guardians.

In a family trust, the trustee, who is entrusted with the management of the settlor's assets (trust assets) based on the trust agreement, is required to clearly separate and manage his own assets and the settlor's trust assets. ing. Therefore, a special account called a trust account is used as a deposit account for deposits that are managed and operated based on a trust contract. A trust account is an account that is approved to be opened through strict bank examination, and is clearly distinguished from a regular deposit account.

On the other hand, Internet banking services are generally provided for regular savings accounts used by individuals, and it is easy to check balances, check transaction details, transfer money to other accounts, etc. via the Internet. I can do it. In recent years, we have also provided services that allow you to easily manage your personal assets on the web by using the balance inquiry function and transaction statement inquiry function provided by bank systems through API (Application Programming Interface). has been done.

However, many trust accounts, which are relatively special accounts, are not provided with APIs for balance inquiry functions and transaction statement inquiry functions. In other words, many trust accounts cannot be directly accessed via the Internet like regular savings accounts. As a result, trustees who manage trust assets (trust business), including deposits in trust accounts, are faced with the problem of not being able to easily manage trust assets on the web like with general asset management web services. be.

The present invention has been made in view of the above circumstances, and its purpose is to provide a trust business support server, a trust business support method, and a trust business support program that support the trust business of a trustee so that trust assets can be easily managed. It is about providing.

A trust business support server according to a first aspect of the present invention is a trust business support server that supports trust business in which the trustee manages the trust property of the trustor based on a trust contract between the trustor and the trustee. has a processing unit and a storage unit that stores instructions executable in the processing unit, the processing unit can access one or more databases, and the one or more databases are Account information regarding one or more trust property accounts used for depositing assets, trust property information regarding the trust property, and history information indicating a history of transactions regarding the trust property are stored, and the history information is In order to separately manage the trustee's own property and the property belonging to the trust property, the trustee can transfer money from the trust account, which is the trust property account, into which the trustee deposits only the money belonging to the trust property. includes information regarding the history of deposits transferred to an account in the name of the trustee, which is a deposit account in the individual name of the trustee designated as the property account, and the trust property information includes the amount of deposits in the trust property account; The processing that the processing unit executes in accordance with the instructions of the storage unit is based on the information regarding the account in the name of the trustee included in the account information from a predetermined server that can provide deposit and withdrawal transaction details of the deposit account. a details acquisition step of obtaining deposit and withdrawal transaction details of the account in the name of the trustee; a history information update step of updating the history information based on the deposit and withdrawal transaction details obtained in the details acquisition step; and updating of the history information. a trust property information updating step of updating the trust property information according to the above, and the trust property information updating step includes the step of updating the trust property information in accordance with the above-mentioned withdrawal transaction details indicating the transfer of deposit from the trust account to the account in the name of the trustee. If the history information is updated based on the transfer amount, the trust asset information may be updated to reduce the amount of deposit in the trust account by the amount of the transfer.

A trust business support method according to a second aspect of the present invention is such that a computer performs processing for supporting trust business in which the trustee manages the trust property of the trustor based on a trust contract between the trustor and the trustee. A trust business support method carried out, wherein the computer is capable of accessing one or more databases, and the one or more databases contain account information regarding one or more trust property accounts used for depositing the trust property. , stores trust property information regarding the trust property and history information indicating a history of transactions regarding the trust property, and the history information separately manages the unique property of the trustee and the property belonging to the trust property. Therefore, from the trust account, which is the trust property account in which the trustee deposits only money belonging to the trust property, to a deposit account in the personal name of the trustee designated by the trustee as the trust property account. The information includes information regarding a history of deposits transferred to an account in the name of a trustee, the trust property information includes the amount of deposits in the trust property account, and the processing executed by the computer provides details of deposit and withdrawal transactions of the deposit account. a statement acquisition step of acquiring the deposit/withdrawal transaction details of the account in the name of the trustee based on the information regarding the account in the name of the trustee included in the account information from a predetermined server that is possible; The trust property information updating step includes a history information updating step of updating the history information based on the entered withdrawal transaction details, and a trust property information updating step of updating the trust property information in accordance with the update of the history information. If the history information is updated based on the entry/withdrawal transaction details indicating a transfer of deposits from the trust account to the account in the name of the trustee, the amount of the deposit in the trust account will be updated by the amount of the transfer. including updating the trust property information so as to reduce the amount of the trust property information.

The trust business support program according to the third aspect of the present invention is a program for causing a computer to execute the trust business support method according to the second aspect of the present invention.

According to the present invention, it is possible to provide a trust business support server, a trust business support method, and a trust business support program that support trust business of a trustee so that trust assets can be easily managed.

FIG. 1A is a diagram showing an example of the configuration of a system including a trust business support server according to the present embodiment. FIG. 1B is a diagram showing an example of the configuration of a trustee terminal device according to this embodiment. FIG. 2 is a diagram for explaining an example of a process of recording a history of transactions related to trust property based on deposit/withdrawal transaction details provided from an information providing server. FIG. 3 is a diagram showing an example of a screen on which a list of trust assets is displayed. FIG. 4 is a first diagram showing an example of a screen on which a history of transactions related to trust property is displayed. FIG. 5 is a second diagram showing an example of a screen on which a list of transaction history regarding trust property is displayed. FIG. 6 is a diagram for explaining an example of a process for registering a new trust business account and a process for canceling registration of an existing trust business account. FIG. 7 is a diagram showing an example of a screen on which a list of cash and deposits is displayed. FIG. 8 is a diagram for explaining an example of a process for displaying information regarding trust property on a related party terminal device, and a process for notifying a related party terminal device of a change in deposits in a trustee's name account. FIG. 9 is a diagram for explaining a first example of a process of notifying a related party terminal device of a change in trust property. FIG. 10 is a diagram for explaining a second example of the process of notifying a related party terminal device of a change in trust property.

FIG. 1A is a diagram showing an example of the configuration of a system including a trust business support server 1 according to the present embodiment. The system shown in FIG. 1A includes a trust business support server 1, a database management device 2, a trustee terminal device 3, a related person terminal device 4, an information providing server 5, and a financial institution system 6. The trust business support server 1 is capable of communicating with the trustee terminal device 3, the stakeholder terminal device 4, and the information providing server 5 via a communication network 9 such as the Internet. Further, the information providing server 5 and the financial institution system 6 can also communicate via the communication network 9.

[Trust business support server 1]
The trust business support server 1 handles the trust business of the trustee (between the trustor and the trustee) in response to requests from terminal devices (trustee terminal device 3, stakeholder terminal device 4) accessed via the communication network 9. Performs various processes to support the trustee's management of the settlor's trust assets based on the trust contract. The trust business support server 1 operates, for example, as a web server, and receives access from a web browser activated on a terminal device (trustee terminal device 3, stakeholder terminal device 4). The trust business support server 1 can access one or more databases (21-23) of the database management device 2, and acquires various information from the databases (21-23) of the database management device 2. In the example of FIG. 1A, the trust business support server 1 includes a communication section 11, a storage section 14, and a processing section 15.

The communication unit 11 is a device for communicating with other devices (terminal devices, etc.) via the communication network 9, and for example, communicates in accordance with a predetermined communication standard (wireless LAN, Ethernet (registered trademark), etc.). Includes communication equipment (such as network interface cards) that performs

The storage unit 14 stores instructions of a program 141 executed in the processing unit 15, data temporarily stored during processing by the processing unit 15, data used for processing of the processing unit 15, and processing of the processing unit 15. Store the data obtained as a result. The storage unit 14 may include, for example, a main storage device (ROM, RAM, etc.) and an auxiliary storage device (flash memory, SSD, hard disk, memory card, optical disk, etc.). The storage unit 14 may be composed of one storage device or may be composed of a plurality of storage devices. When the storage unit 14 is composed of a plurality of storage devices, each storage device is connected to the processing unit 15 via a computer bus or other arbitrary information transmission means.

The program 141 inputs information recorded on a computer-readable recording medium (USB memory, memory card, optical disk, or other non-transitory tangible medium) from a reading device (not shown) and stores it in the storage unit 14. Alternatively, the communication unit 11 may store what is received from another device in the storage unit 14.

The processing unit 15 centrally controls the overall operation of the trust business support server 1 and executes predetermined information processing. The processing unit 15 includes, for example, one or more processors (CPU, MPU, DSP, etc.) that execute processing according to instructions of one or more programs 141 stored in the storage unit 14. The processing unit 15 operates as a computer by having one or more processors execute instructions of the program 141 stored in the storage unit 14 . The trust business support server 1 may include such a plurality of computers, and these computers may cooperate to execute processing by communicating via an arbitrary communication network.

Processing unit 15 may include one or more dedicated hardware (ASIC, FPGA, etc.) configured to implement a specific function. In this case, the processing unit 15 may execute all of the processing on a computer, or may execute at least part of the processing on dedicated hardware.

[Database management device 2]
The database management device 2 has one or more databases (21 to 23) that store various information used in processing to support the trustee's trust business. The trust business support server 1 and the database management device 2 can communicate via any communication line (LAN, dedicated line network, Internet, etc.). The database management device 2 includes a user database 21, a trust business database 22, and a transaction history database 23 in the example of FIG. 1A. For example, the database management device 2 includes one or more computers that configure these databases, and stores information in the databases using the computer's storage device. Note that the trust business support server 1 and the database management device 2 may be configured by a common computer. In the following description, the database may be abbreviated as "DB".

[User DB21]
The user DB 21 stores a plurality of pieces of user information including information regarding individual users in a searchable manner. Users include, for example, a trustor, a trustee, and a person concerned (such as a relative of the trustor) who monitors the trust business performed by the trustee. One user information includes information regarding one user.

One piece of user information includes, for example, at least part of the following information.
・User identification information (user ID)
- User's name, age, gender - Authentication information for the user to log in to the trust business support server 1 (login ID and password, etc.)
・Information regarding the user's contact information (address, telephone number, email address, etc.)
・User type (trustee, outsourcer, related party)

[Trust business DB22]
The trust business DB 22 searchably stores a plurality of pieces of trust business information including information regarding individual trust businesses based on individual trust contracts. One piece of trust business information includes information regarding trust business based on one trust contract.

One piece of trust business information includes, for example, at least part of the following information.
・Trust business identification information (trust business ID)
・Information regarding the trust contract ・Information on the trustor (user ID)
・Trustee information (user ID)
・Information on related parties (user ID)
・Account information related to one or more trust property accounts used for depositing trust assets, such as bank name, branch name, account type, account number, account name, authentication information for Internet banking, etc. ・Transaction details on information provision server 5 Information used to obtain, for example, authentication information for credit card members and e-money members. ・Trust property information related to trust property. For example, the amount of deposits in each deposit account registered in the account information, Information on the amount of cash held in the bank and non-monetary assets (stocks, real estate, bonds, etc.) ・List of items that classify the details of transactions related to trust assets For example, medical expenses (expenses), daily living expenses (expenses), stock dividends, etc. Money (income), transfer between trust property accounts, etc.

[Transaction history DB23]
The transaction history DB 23 searchably stores a plurality of pieces of history information each indicating a history of transactions related to trust property. One piece of history information indicates the history of one transaction regarding trust property.

One piece of history information includes, for example, at least part of the following information.
・Transaction date ・Items that classify the content of transactions related to trust property Items selected by the user (trustee, etc.) from the “item list” of trust business information ・Transaction amount ・Deposit account or cash in which the transaction was conducted Trustee who pulled out ・Receipt or receipt image ・Registration date of history information ・User who registered history information (trustee, etc.)
・Remarks information

[Trustee terminal device 3]
The trustee terminal device 3 is a device operated by a trustee who conducts trust business based on a trust contract. For example, an information device having a communication function via the communication network 9 can be used as the trustee terminal device 3, such as a smartphone, a tablet PC, a mobile phone, a notebook PC, or a desktop PC. The trustee terminal device 3 accesses the trust business support server 1 via the communication network 9 and registers the history of transactions associated with trust business (expenditures from trust property, income to trust property, transfers between accounts, etc.). , display transaction history, display a list of trust assets, display cash and deposits, obtain year-end report generated by the trust business support server 1, etc. In the example of FIG. 1B, the trustee terminal device 3 includes a communication section 31, an input section 32, a display section 33, a storage section 34, and a processing section 35.

The communication unit 31 is a device for communicating with other devices (trust business support server 1, etc.) via the communication network 9, and is compliant with a predetermined communication standard (wireless LAN, Ethernet (registered trademark), etc.), for example. Includes communication equipment (network interface cards, etc.) that performs communication.

The input unit 32 inputs instructions and other information according to user operations to the processing unit 35. For example, the input unit 32 includes at least one device with an input function such as a touch panel, a touch pad, a keyboard, a mouse, a button, a switch, a microphone, and a camera.

The display unit 33 is a device that displays a video according to the video signal generated by the processing unit 35, and includes display devices such as a liquid crystal display, an organic EL display, and a projector.

The storage unit 34 stores instructions of a program 341 executed in the processing unit 35, data temporarily stored during the process of processing by the processing unit 35, data used for processing of the processing unit 35, and processing of the processing unit 35. Store the data obtained as a result. The storage unit 34 may include, for example, a main storage device (ROM, RAM, etc.) and an auxiliary storage device (flash memory, SSD, hard disk, memory card, optical disk, etc.). The storage unit 34 may be composed of one storage device or may be composed of a plurality of storage devices. When the storage unit 34 is composed of a plurality of storage devices, each storage device is connected to the processing unit 35 via a computer bus or other arbitrary information transmission means.

The program 341 inputs what is recorded on a computer-readable recording medium (USB memory, memory card, optical disk, or other non-temporary tangible medium) from a reading device (not shown) and stores it in the storage unit 34. Alternatively, the information received from another device by the communication unit 31 may be stored in the storage unit 34.

The processing unit 35 centrally controls the overall operation of the trustee terminal device 3 and executes predetermined information processing. The processing unit 35 includes, for example, one or more processors (CPU, MPU, DSP, etc.) that execute processing according to instructions of one or more programs 341 stored in the storage unit 34. The processing unit 35 operates as a computer by having one or more processors execute instructions of a program 341 stored in the storage unit 34.

Processing unit 35 may include one or more specialized hardware (ASIC, FPGA, etc.) configured to implement a specific function. In this case, the processing unit 35 may execute all of the processing on a computer, or may execute at least part of the processing on dedicated hardware.

[Participant terminal device 4]
The related party terminal device 4 is a device used by the trustor and related parties (such as relatives of the trustor) who monitor the trust business, and has a configuration similar to the trustee terminal device 3 shown in FIG. 1B, for example. The related party terminal device 4 accesses the trust business support server 1 via the communication network 9, displays transaction history, displays a list of trust assets, displays cash deposits, and displays year-end information generated by the trust business support server 1. Display reports, etc.

[Financial institution system 6]
The financial institution system 6 is a system operated by a financial institution (bank, credit company, etc.), and provides information regarding financial transactions using an API or the like. For example, a financial institution system 6 operated by a bank provides information regarding deposit accounts (deposit balance, deposit/withdrawal transaction details, etc.). Further, a financial institution system 6 operated by a credit company or the like provides information regarding purchase history of products using credit cards or electronic money.

[Information providing server 5]
The information providing server 5 accesses one or more financial institution systems 6 in response to a request from the trust business support server 1, acquires information regarding financial transactions provided by API etc. from the financial institution system 6, and provides trust business support. Provided to server 1. For example, the information providing server 5 accesses the financial institution system 6 operated by the bank based on the Internet banking authentication information acquired from the trust business support server 1, and accesses information regarding the trust property account (balance, deposit/withdrawal transaction details). etc.) is obtained from the financial institution system 6 and provided to the trust business support server 1. Further, for example, the information providing server 5 accesses the financial institution system 6 operated by a credit company or the like based on the authentication information for credit card members obtained from the trust business support server 1, and collects information regarding the purchase history of the product from the financial institution. It is acquired from the institutional system 6 and provided to the trust business support server 1.

Here, the operation of the system shown in FIG. 1A having the above-described configuration will be described. In addition, in the following explanation, in order to separately manage the assets belonging to the trust property and the assets belonging to the trust property in the trust property account used for depositing the trust property, the trustee deposits only the money belonging to the trust property. An account for trust property is sometimes referred to as a "trust account." In addition, a deposit account in the personal name of the trustee designated by the trustee as an account for trust property may be referred to as a "trustee's name account."

FIG. 2 is a diagram for explaining an example of a process of recording a history of transactions related to trust property based on the deposit/withdrawal transaction details provided by the information providing server 5.

The trustee terminal device 3 sends a display request to the trust business support server 1 to display the history of transactions related to the trust property (expenses from the trust property, income to the trust property, transfers between trust property accounts, etc.). (ST100).

FIG. 3 is a diagram showing an example of the screen of the trustee terminal device 3 on which a list of trust assets is displayed. Screen A shown in Figure 3 consists of a pie chart A1 showing the proportion of each type of trust assets (cash and deposits, real estate, stocks), a graph A2 showing monthly trends in the balance of cash and deposits, and a graph A2 showing the monthly trends in the balance of cash and deposits. It also includes Table A3 showing the total of income, expenditure, and income and expenditure. Button A5 arranged above table A3 is a button for switching the year of information (cash and deposits) displayed on the screen. On the left side of screen A, buttons A10 to A15 for selecting display contents are arranged. Button A10 selects screen A shown in FIG. 3, button A11 selects screen B (history of transactions related to trust property) in FIG. Select the screen for registering and downloading receipts/receipts, contract documents, documents used during the trust contract, etc.), press button A13 to select screen C for the list of cash deposits in Figure 7, which will be described later, and press button A14. button A15 selects a screen for creating report documents created in trust business, and button A15 selects a screen for making various settings.
When button A11 is pressed on this screen A, the trustee terminal device 3 transmits a display request to the trust business support server 1 for a screen (screen B in FIG. 4) containing the history of transactions related to trust property (ST100). ).

When the processing unit 15 of the trust business support server 1 receives the display request in step ST100 for displaying the history of transactions regarding the trust property, it requests the information providing server 5 for transaction details regarding the trust property (ST105). For example, the processing unit 15 processes each financial institution based on authentication information for Internet banking, authentication information for credit card members, authentication information for electronic money members, etc. included in the trust business information (account information) in the trust business DB 22. A request is made to the information providing server 5 for transaction details regarding trust assets at institutions (banks, credit companies, etc.). In this case, the processing unit 15 may request the information providing server 5 to provide a transaction statement newer than the last transaction date in the history information stored in the transaction history DB 23.

The information providing server 5, which has received a request for transaction details from the trust business support server 1, inquires about the requested transaction details to the financial institution system 6 operated by each financial institution (ST110). The financial institution system 6 that received the inquiry searches for the corresponding transaction details (ST115) and provides them to the information providing server 5 (ST120). For example, the financial institution system 6 operated by a bank provides the information providing server 5 with information regarding the inquired trust property account (current balance, latest series of deposit/withdrawal transaction details, etc.). Further, the financial institution system 6 operated by, for example, a credit sales company provides the information providing server 5 with information regarding the history of purchases of products by credit cards, electronic money, etc. that have been queried. The information providing server 5 provides the transaction details obtained from the financial institution system 6 of each financial institution to the trust business support server 1 (ST125).

The processing unit 15 of the trust business support server 1 obtains transaction details regarding the trust property at each financial institution from the information providing server 5 that responded to the transaction statement request in step ST105 (ST130). Note that step ST130 acquires the deposit/withdrawal transaction details of the account in the name of the trustee from the information providing server 5 based on information regarding the account in the name of the trustee (such as authentication information for Internet banking) included in the trust business information (account information). is an example of the detail acquisition process of the present invention.

The processing unit 15 of the trust business support server 1 updates the history information in the transaction history DB 23 based on the transaction details regarding the trust property acquired from the information providing server 5 in step ST130 (ST135). Step ST135 is an example of the history information updating step of the present invention.

Specifically, as shown in FIG. 2, the processing unit 15 of the trust business support server 1 uses a predetermined plurality of classification methods for classifying the contents of transactions regarding trust assets based on the transaction details regarding trust assets acquired from the information providing server 5. From among the items (list of items included in the trust business information), candidates for items to be included in the history information are predicted (ST140). For example, the processing unit 15 selects history from among a plurality of predetermined items based on summary information (information regarding the specific details of the transaction) included in the deposit/withdrawal transaction details of the account in the name of the trustee acquired from the information providing server 5. Predict candidates for items to include in the information. Step ST140 is an example of the prediction step of the present invention.

Next, the processing unit 15 of the trust business support server 1 generates display information for displaying a screen including summary information of the deposit/withdrawal transaction details acquired from the information providing server 5 and candidate items predicted based on the summary information. is generated and transmitted to the trustee terminal device 3 (ST145, ST150). Steps ST145 and ST150 are an example of the first display information generation step of the present invention.

The trustee terminal device 3 that has received the display information in step ST150 displays, for example, screen B shown in FIG. 4 as a screen that displays the history of transactions related to the trust property.

On the left side of screen B, buttons B10 to B15 having the same functions as buttons A10 to A15 on screen A (FIG. 3) are arranged.

In the upper vertical direction of screen B in FIG. 4, an area B1 is arranged for newly registering the history of transactions related to trust property (in the example of FIG. 4, a list of income and expenditure). At the upper right corner of area B1, tabs B1a to B1c are arranged for selecting the type of transaction (expenditure, income, transfer) regarding trust property. When tab B1a is selected, fields B1d to B1j for registering expenditure history are displayed, as shown in FIG. 4. Column B1d is entered with the details of the expenditure selected by the user from the list of items included in the trust business information, and column B1e is entered with information about the trust property (deposit account, cash) included in the trust property information of the trust business information. ), the trust property of the payment source selected by the user is entered, the amount of expenditure is entered in field B1f, the date of expenditure is entered in field B1g, and the receipt or the image file of the receipt is entered in field B1h. The user's notes and notes are entered in column B1j. When tab B1b is selected, a field for registering the history of income is displayed, and when tab B1c is selected, a field for registering the history of transfers between trust property accounts is displayed.

At the bottom of the screen B in FIG. 4 in the vertical direction, an area B3 in which recent transaction history stored in the transaction history DB 23 is displayed is arranged. In the example of FIG. 4, four pieces of recent history information are displayed. A button B3a arranged on the right side of the area B3 is a button for displaying a receipt or an image of a receipt included in the history information. Button B3b arranged at the bottom of area B3 is a button for switching the display range of history information arranged in order of transaction date.

Between area B1 and area B3 on screen B in Figure 4, unconfirmed transaction history for which the user (trustee) has not completed setting of items (items for classifying the contents of transactions related to trust property) is displayed. A region B2 is provided. In the example of FIG. 4, two unconfirmed transaction histories (October 10th and October 9th) are displayed. These two transaction histories are based on the latest deposit/withdrawal transaction details of the account in the name of the trustee acquired from the information providing server 5 in step ST130, and the "type" and "content" are entered in step ST140 based on the trust business transaction details. These are item candidates predicted by the support server 1. That is, the transaction type "expenditure" and the transaction content "loan repayment" in the transaction history on October 10 shown in the example of FIG. 4 are candidates for items predicted by the trust business support server 1. Further, the transaction type "transfer" and the transaction content "△△bank trust account" in the transaction history on October 9 shown in the example of FIG. 4 are also candidates for items predicted by the trust business support server 1.

At the right end of the transaction history in area B1, summary information (information regarding the specific content of the transaction) included in the deposit/withdrawal transaction details acquired from the information providing server 5 in step ST130 is displayed.

Button B2a arranged on the right side of area B2 allows users (trustees to ) is the button for finally setting the item. When button B2a is pressed, trustee terminal device 3 displays a pop-up window for inputting items (type of transaction, content of transaction) in the transaction history displayed in area B2. The trustee terminal device 3 transmits information on the items input by the user (trustee) to the trust business support server 1 (ST160).

The processing unit 15 of the trust business support server 1 receives a response requesting to adopt the item candidates predicted in step ST140 from the trustee terminal device 3 that displayed screen B (FIG. 4) based on the display information in step ST150. If so, the predicted item candidates are set as historical information items. On the other hand, when the processing unit 15 receives a response from the trustee terminal device 3 requesting to adopt another item different from the item candidate predicted in step ST140, the processing unit 15 sets this other item as an item of history information. (ST165). The processing unit 15 registers the history information whose items (type of transaction, content of the transaction) have been completely set by input by the trustee in the transaction history DB 23 as confirmed information. For example, the processing unit 15 attaches an unconfirmed state flag to the history information obtained by predicting item candidates in step ST140 and registers it in the transaction history DB 23, and completes the setting of the history information items in step ST165. If so, the flag attached to the history information is updated to a confirmed state.
Step ST165 is an example of the item setting step of the present invention.

After updating the history information in the transaction history DB 23 in step ST135, the processing unit 15 of the trust business support server 1 updates the trust property information in the trust business information in the user DB 21 in accordance with the update of this history information (ST170). That is, the processing unit 15 determines the details of the trust property in the trust property information (the amount of deposits in the trust business account, the amount of cash held by the trustee on hand) in accordance with the history information registered as the confirmed information in step ST165. ) to update.

For example, when the processing unit 15 of the trust business support server 1 updates the history information based on the deposit/withdrawal transaction details indicating the transfer of deposit from the trust account to the account in the name of the trustee in step ST170, the processing unit 15 of the trust business support server 1 updates the history information by the amount of the transfer. Update trust property information to reduce the amount of deposit in the trust account. That is, when the processing unit 15 sets an item indicating a transfer of deposits from a trust account to an account in the name of the trustee as an item of history information, the processing unit 15 reduces the amount of deposits in the trust account by the amount of this transfer. Update trust property information.
Step ST170 is an example of the trust property information updating step of the present invention.

After updating the history information in the transaction history DB 23 in step ST170, the processing unit 15 of the trust business support server 1 generates display information on screen B to display the updated latest transaction history (ST175). The display information is transmitted to the trustee terminal device 3 (ST180). Based on the display information received from the trust business support server 1, the trustee terminal device 3 displays a screen B in which the transaction history is updated to the latest one.

FIG. 5 is a diagram illustrating screen B in which the history of transactions related to trust property is updated to the latest one. The unconfirmed transaction history displayed in area B2 of screen B illustrated in FIG. 4 has been moved to area B3 of screen B illustrated in FIG. 5 as the latest confirmed transaction history. Since these transaction histories are confirmed, unconfirmed transaction histories are no longer displayed in area B2 of screen B shown in FIG.

As described above, according to the present embodiment, when a deposit is transferred from a trust account to an account in the name of a trustee, the transfer indicated by the deposit/withdrawal transaction details of the account in the name of the trustee obtained from the information providing server 5 The trust property information is updated so that the amount of deposit in the trust account is reduced by the amount of . Therefore, even if the amount of deposits in the trust account cannot be directly acquired from the information providing server 5, it is possible to manage the amount of deposits in the trust account as trust property information.

Further, according to the present embodiment, whether or not the summary information of the deposit/withdrawal transaction details acquired from the information providing server 5 indicates a transfer of deposits from the trust account to the account in the name of the trustee can be checked on screen B (Fig. Since the deposit is confirmed by the trustee in step 4), the amount of deposits in the trust account can be managed more accurately than in the case where it is registered in the transaction history DB 23 without confirmation by the trustee.

Note that when predicting item candidates in step ST140, the processing unit 15 of the trust business support server 1 uses the history information items set in the past in step ST165 and the summary of the deposit/withdrawal transaction details acquired in the past in step ST130. Based on the correlation with the information, item candidates matching the summary information acquired in a new step ST130 may be predicted.

For example, the processing unit 15 extracts keywords from the abstract information acquired in step ST130 by morphological analysis, and selects a specific keyword based on the relationship between the appearance frequency of the extracted keyword and the history information item set in step ST165. Items that are likely to be set when extracted may be predicted as candidates. When predicting item candidates from summary information, the processing unit 15 may use, for example, rule-based processing based on the above-mentioned keyword extraction frequency, or may predict item candidates from summary information using a known machine learning algorithm. A trained model generated to make predictions may be used.

Next, an example of a process for registering a new trust business account and a process for canceling registration of an existing trust business account will be described with reference to FIG. 6.

The trustee terminal device 3 transmits a registration request for registration of a new trust business account to the trust business support server 1 (ST200).

FIG. 7 is a diagram showing an example of the screen of the trustee terminal device 3 on which a list of cash and deposits is displayed. Screen C shown in FIG. 7 is a screen that transitions when button A13 on screen A (FIG. 3) is pressed or button B13 on screen B (FIG. 4) is pressed. On the left side of screen C, buttons C10 to C15 having the same functions as buttons A10 to A15 on screen A (FIG. 3) and buttons B10 to B15 on screen B (FIG. 4) are arranged.

Screen C includes an area C1 that displays information (bank name, branch name, account type, account number, account name, name, balance) for each trust business account included in the account information and trust property information of the trust business information. , a button C1a for editing the information of the trust business account in the area C1, and a button C1a for editing the information of the trust business account in the area C1 for which the deposit/withdrawal transaction details can be obtained from the information providing server 5. Displayed area C2, button C2a for editing trust business account information in area C2, and area C3 displaying information on cash held by the trustee included in trust property information of trust business information. and a button C3a for editing the cash information in area C3. A button C1b for registering new trust business account information is placed near area C1, and a button C1b for registering new trust account information is placed near area C3. ) is arranged.
When the button C1b is pressed on this screen C, the trustee terminal device 3 transmits a registration request to the trust business support server 1 in step ST200.

In response to a registration request from the trustee terminal device 3 requesting registration of a trust property account, the processing unit 15 of the trust business support server 1 stores information regarding a deposit account to be newly registered as a trust property account in the trust business DB 22. It is added to the account information of the trust business information (ST205).
Step ST205 is an example of the account registration process of the present invention.

When a new trust account is registered in step ST205, the processing unit 15 of the trust business support server 1 registers an account in the name of the trustee (deposit and withdrawal transaction details can be obtained from the information providing server 5) from the newly registered trust account. An item indicating the transfer of the deposit to an account) is added to the list of items (a predetermined plurality of items) included in the trust business information in the trust business DB 22 (ST210).
Step ST210 is an example of an item adding process of the present invention.

In this way, in this embodiment, when a new trust account is registered, deposits are transferred from this trust account to an account in the name of the trustee (an account from which deposit and withdrawal transaction details can be obtained from the information providing server 5). An item indicating is added to the list of trust business information items. As a result, when predicting candidates for history information items in step ST140 (FIG. 2), it is possible to predict as candidates items indicating transfer of deposits from a new trust account to an account in the name of an existing trustee. Become. Furthermore, when the trustee inputs items in step ST160 (FIG. 2), it becomes possible to select and input items indicating transfer of deposits from a new trust account to an existing account in the name of the trustee. As a result, when a deposit is transferred from a new trust account to an existing account in the name of the trustee, it becomes possible to correctly record the transfer as history information in the transaction history DB 23. Therefore, even if a trust account whose deposit/withdrawal transaction details cannot be obtained from the information providing server 5 is newly registered, it is possible to accurately manage the amount of deposits in this trust account.

Further, in the example of FIG. 6, when the processing unit 15 of the trust business support server 1 receives a request from the trustee terminal device 3 requesting to cancel the registration of the trust property account (ST220), the processing unit 15 of the trust business support server 1 requests the registration cancellation. In response to this, the information regarding the trust property account to be canceled is deleted from the account information of the trust business information in the trust business DB 22 (ST225).
Step ST225 is an example of an account registration cancellation step of the present invention.

When the registration of the trust account is canceled in step ST225, the processing unit 15 of the trust business support server 1 updates the trust business DB 22 with an item indicating the transfer of deposits from the deregistered trust account to the account in the name of the trustee. It is deleted from the list of items (a plurality of predetermined items) included in the trust business information (ST230).
Step ST230 is an example of the item deletion step of the present invention.

In this way, in this embodiment, when the registration of a trust account is cancelled, the item indicating the transfer of deposits from the deregistered trust account to the account in the name of the trustee is included in the trust business information item. Deleted from the list (predetermined multiple items). This makes it possible to prevent items indicating the transfer of deposits from a deregistered trust account to an account in the name of the trustee from being set as history information items, thereby preventing mistakes in setting items. , management of trust assets can be made easier.

Next, an example of a process for displaying information regarding trust property on the stakeholder terminal device 4 and a process for notifying the stakeholder terminal device of a change in deposits in an account in the name of the trustee will be described with reference to FIG.

When the processing unit 15 of the trust business support server 1 receives a request to display information regarding trust property from the stakeholder terminal device 4 operated by a stakeholder registered in the user DB 21 (ST300), the processing unit 15 displays the trust business DB 22 and the transaction history DB 23. Generates display information for displaying a screen containing information (history information, trust property information, etc.) regarding the trust property stored in (ST305), and transmits the generated display information to the related party terminal device 4 (ST310) . Steps ST305 and ST310 are an example of the second display information generation step of the present invention.

The trustee terminal device 3 that has received the display information from the trust business support server 1 displays, for example, the list of trust assets on screen A (Figure 3), the list of income and expenditures on screen B (Figures 4 and 5), and the list of income and expenditures on screen C (Figure 7). A list of cash and deposits etc. is displayed (ST315). However, the related party terminal device 4 disables the editing function of information regarding the trust property on these screens. That is, the trust business support server 1 only allows related parties who do not have authority as trustees to display information regarding trust assets, and does not allow related parties to rewrite the information.

As described above, in this embodiment, in response to a display request from the related party terminal device 4, a screen containing information regarding trust assets (the history of transactions indicated by history information, the breakdown of trust assets indicated by trust property information, etc.) is displayed. It is displayed on the stakeholder terminal device 4. Therefore, since trust operations are conducted under the supervision of related parties, it is possible to effectively prevent fraudulent acts by trustees and encourage them to carry out appropriate trust operations.

Further, in the example of FIG. 8, the processing unit 15 of the trust business support server 1 obtains transaction details regarding trust assets at each financial institution from the information providing server 5, similarly to steps ST125 and ST130 of FIG. , ST335). The processing unit 15 determines whether the amount of decrease in deposits in the account in the name of the trustee exceeds a predetermined amount, based on the deposit/withdrawal transaction details of the account in the name of the trustee obtained in steps ST330 and ST335 (ST340). If the amount of decrease in the deposit exceeds a predetermined amount, the processing unit 15 notifies the related person terminal device 4 of this decrease in the deposit by e-mail or the like based on the user information of the related person registered in the user DB 21. The processing to do so is performed (ST345). The stakeholder terminal device 4 that has received the notification from the trust business support server 1 displays a screen showing the content of the notification (abnormal decrease in deposits) (ST350).
Step ST345 is an example of the notification step of the present invention.

As described above, in this embodiment, when the deposit in the account in the name of the trustee decreases significantly, the related person terminal device 4 is notified of the decrease in deposit by e-mail or the like. Therefore, it is possible to accurately notify the parties concerned of an abnormal decrease in deposits in the account held by the trustee, while suppressing an increase in the burden of monitoring the trust operations on the parties concerned.

In the example of FIG. 8 described above, based on the deposit/withdrawal transaction details of the account in the name of the trustee, a notification is sent to the related party terminal device 4 when the amount of decrease in deposits in the account in the name of the trustee exceeds a predetermined amount. However, the present embodiment is not limited to this example. In another example of this embodiment, the related party terminal device 4 may be notified even when the increase in deposits in the account in the name of the trustee exceeds a predetermined amount. Thereby, abnormal changes (decrease, increase) in deposits in the account held by the trustee can be accurately notified to related parties.

Next, an example of a process for notifying the related party terminal device 4 of a change in trust assets will be described with reference to FIG. 9.

The processing unit 15 of the trust business support server 1 obtains transaction details regarding the trust property at each financial institution from the information providing server 5, similarly to steps ST125 and ST130 in FIG. 2 (ST400 and ST405). Next, the processing unit 15 updates the history information in the transaction history DB 23 based on the deposit/withdrawal transaction details of the account in the name of the trustee obtained in steps ST400 and ST405, similarly to step ST135 in FIG. 2 (ST410). Furthermore, when the processing unit 15 acquires information indicating that a deposit or withdrawal has been made in the trust account from the trustee terminal device 3, the processing unit 15 updates the history information in the transaction history DB 23 based on this acquired information. do. Then, the processing unit 15 updates the trust property information in the trust business DB 22 in accordance with the update of the history information in the transaction history DB 23, similarly to step ST170 in FIG. 2 (ST415).

The processing unit 15 of the trust business support server 1 determines whether the amount of decrease in the trust property due to expenditure from the account in the name of the trustee exceeds a predetermined amount, based on the history information of the transaction history DB 23 updated in step ST410 ( ST420). If the amount of decrease in the trust property exceeds a predetermined amount, the processing unit 15 sends the decrease in the trust property to the related party terminal device 4 by e-mail or the like based on the user information of the related party registered in the user DB 21. (ST425). The stakeholder terminal device 4 that has received the notification from the trust business support server 1 displays a screen showing the content of the notification (abnormal decrease in trust assets) (ST430).
Step ST425 is an example of the notification step of the present invention.

As described above, in this embodiment, when the trust property decreases significantly due to expenditures from the trustee's name account or the trust account, the related person terminal device 4 is notified of the decrease in the trust property by e-mail or the like. Therefore, it is possible to accurately notify related parties of an abnormal decrease in trust assets while suppressing an increase in the burden of monitoring trust operations on related parties.

Next, a modified example of the process of notifying the related party terminal device 4 of a change in trust property will be described with reference to FIG. 10. The flow diagram shown in FIG. 10 is obtained by replacing step ST420 in the flow diagram shown in FIG. 9 with step ST420A.

The processing unit 15 of the trust business support server 1 in this modification example reduces the trust property due to the expenditure from the account in the name of the trustee for specific items based on the history information of the transaction history DB 23 updated in step ST410. It is determined whether the amount exceeds a predetermined amount (ST420A). If the amount of decrease in the trust property due to expenditure on a specific item exceeds a predetermined amount, the processing unit 15 sends an e-mail notification of the decrease in the trust property based on the user information of the person concerned registered in the user DB 21. Processing for notifying the related person terminal device 4 is performed by, for example, (ST425).
In this modification, a decrease in trust assets due to expenditure on a specific item is notified to the related party terminal device 4 by e-mail or the like. Therefore, it is possible to notify related parties of an abnormal decrease in trust assets under more detailed conditions than in the example of FIG.

Note that in the examples of FIGS. 9 and 10 described above, when the history information updated in step ST410 indicates a decrease in trust assets, the related party terminal device 4 is notified, but in this embodiment, It is not limited to this example. In another example of this embodiment, even if the history information updated in step ST410 indicates an increase in trust assets, the notification may be sent to the related party terminal device 4. That is, the processing unit 15 of the trust business support server 1 determines whether the history information updated in step ST410 indicates an increase in trust assets due to a deposit exceeding a predetermined amount in an account in the name of the trustee or in a trust account. Even if there is a notification, the related party terminal device 4 may be notified. Thereby, abnormal changes (decrease, increase) in trust assets can be accurately notified to related parties.

Note that the present invention is not limited only to the embodiments described above, but includes various variations.

For example, in the embodiment described above, an example was given in which the trust business support server 1 acquires transaction details from the financial institution system 6 via the information providing server 5. The server 1 may directly acquire transaction details from the financial institution system 6.

The configuration of the databases (21 to 23) in the embodiment described above is an example, and a database with another configuration that can realize the processing of this embodiment may be adopted. For example, in the embodiments described above, the information (user information, trust business information, history information, etc.) stored in one database may be stored separately in multiple databases in which data associations are set. good.

1...Trust business support server 1, 11...Communication department, 14...Storage unit, 141...Program, 15...Processing unit, 2...Database management device, 21...User database, 22...Trust business database, 23...Transaction history database, 3...Trustee terminal device, 31...Communication section, 32...Input section, 33...Display section, 34...Storage section, 341...Program, 35...Processing section, 4...Stakeholder terminal device, 5...Information providing server, 6 …Financial institution system, 9…Communication network

Claims (11)

A trust business support server that supports trust business in which the trustee manages the trust property of the trustor based on a trust contract between the trustor and the trustee,
a processing section;
a storage unit that stores instructions executable in the processing unit;
The processing unit can access one or more databases,
The one or more databases include:
Account information regarding one or more trust property accounts used for depositing the trust property;
Trust property information regarding the trust property;
history information indicating a history of transactions regarding the trust property;
remember,
The history information is collected from the trust account, which is the trust property account in which the trustee deposits only money belonging to the trust property, in order to separately manage the unique property of the trustee and the property belonging to the trust property. Contains information regarding the history of deposits being transferred to an account in the name of the trustee, which is a deposit account in the individual name of the trustee designated by the trustee as the trust property account;
The trust property information includes the amount of deposit in the trust property account,
The processing that the processing unit executes according to the instructions of the storage unit is:
a statement acquisition step of obtaining deposit and withdrawal transaction details for the account in the name of the trustee from a predetermined server capable of providing deposit and withdrawal transaction details for the deposit account, based on information regarding the account in the name of the trustee included in the account information; ,
a history information updating step of updating the history information based on the deposit/withdrawal transaction details acquired in the details acquisition step;
and a trust property information updating step of updating the trust property information in accordance with the update of the history information,
In the trust property information updating step, when the history information is updated based on the deposit/withdrawal transaction details indicating the transfer of deposits from the trust account to the account in the name of the trustee, the trust property information is updated by the amount of the transfer. updating the trust property information to reduce the amount of deposits in the account;
Trust business support server. The history information includes items for classifying the contents of transactions regarding the trust property,
The history information updating step includes:
Predicting candidates for the item to be included in the history information from among the plurality of predetermined items based on summary information included in the deposit/withdrawal transaction details of the account in the name of the trustee obtained from the predetermined server. a prediction process;
generating display information for displaying a screen including the summary information acquired from the predetermined server and the item candidates predicted based on the summary information, and displaying the screen on the trustee terminal device operated by the trustee; a step of generating first display information to transmit;
If a response requesting to adopt the predicted item candidate is received from the trustee terminal device that displayed the screen based on the display information, the predicted item candidate is set as the item in the history information. including an item setting step,
In the trust property information update step, when the item indicating the transfer of deposit from the trust account to the account in the name of the trustee is set in the item of the history information, the trust property information update step updates the trust account by the amount of the transfer. updating the trust property information to reduce the amount of the deposit;
The trust business support server according to claim 1. In the item setting step, when a response requesting to adopt another item different from the predicted item candidate is received from the trustee terminal device, the item setting step sets the other item as the item in the history information. including that
The prediction step is based on the correlation between the items of the history information set in the past item setting step and the summary information acquired in the past detailed information acquisition step. predicting candidates for the item that match the summary information obtained;
The trust business support server according to claim 2. The processing that the processing unit executes according to the instructions of the storage unit is:
an account registration step of adding information regarding a deposit account to be newly registered as the trust property account to the account information in response to a request from the trustee terminal device requesting registration of the trust property account;
When the trust account is newly registered in the account registration step, an item for adding the item indicating transfer of deposit from the newly registered trust account to the account in the name of the trustee to the predetermined plurality of items. including additional steps,
The trust business support server according to claim 2 or 3. The processing that the processing unit executes according to the instructions of the storage unit is:
an account registration cancellation step of deleting information regarding the trust property account to be canceled from the account information in response to a request from the trustee terminal device requesting cancellation of registration of the trust property account;
When the registration of the trust account is canceled in the account registration cancellation step, the item indicating the transfer of deposit from the deregistered trust account to the account in the name of the trustee is deleted from the plurality of predetermined items. and an item deletion step.
The trust business support server according to claim 4. The one or more databases store information regarding parties who monitor the trust operations performed by the trustee;
The processing that the processing unit executes in accordance with the instructions of the storage unit includes, when receiving a request to display the historical information from a related person terminal device operated by the related person registered in the database, displaying a screen containing the historical information. a second display information generation step of generating display information for displaying and transmitting it to the related party terminal device;
The trust business support server according to any one of claims 1 to 5. The one or more databases store information regarding parties who monitor the trust operations performed by the trustee;
The processing executed by the processing unit in accordance with the instructions of the storage unit is such that the deposit/withdrawal transaction details acquired in the statement acquisition step indicate a change in deposits in the account in the name of the trustee in which the deposit/withdrawal transaction details obtained in the statement acquisition step exceed a predetermined amount. In this case, the method includes a notification step of notifying a related person terminal device operated by the related person registered in the database of the change in the deposit based on information of the related person registered in the database.
The trust business support server according to any one of claims 1 to 6. The one or more databases store information regarding parties who monitor the trust operations performed by the trustee;
The process executed by the processing unit according to the instruction of the storage unit is such that the history information updated in the history information update step is a withdrawal amount exceeding a predetermined amount to at least one of the account in the name of the trustee and the trust account. Or, if it indicates a change in the trust property due to a deposit, the change in the trust property can be determined based on the information of the related person registered in the database, and the relationship registered in the database is a notification step of performing a process of notifying a related party terminal device operated by a person;
The trust business support server according to any one of claims 1 to 6. The one or more databases store information regarding parties who monitor the trust operations performed by the trustee;
The history information includes items for classifying the contents of transactions regarding the trust property,
The process executed by the processing unit in accordance with the command of the storage unit is such that the history information updated in the history information update step is stored in at least one of the trustee name account and the trust account for the specific item. If it indicates a change in the trust property due to a withdrawal or deposit exceeding the amount, the change in the trust property will be recorded in the database based on the information of the person concerned registered in the database. a notification step of performing a process of notifying a stakeholder terminal device operated by the registered stakeholder;
The trust business support server according to any one of claims 1 to 6. A trust business support method in which a computer executes processing to support trust business in which the trustee manages the trust property of the trustor based on a trust contract between the trustor and the trustee, the method comprising:
The computer is capable of accessing one or more databases,
The one or more databases include:
Account information regarding one or more trust property accounts used for depositing the trust property;
Trust property information regarding the trust property;
history information indicating a history of transactions regarding the trust property;
remember,
The history information is collected from the trust account, which is the trust property account in which the trustee deposits only money belonging to the trust property, in order to separately manage the unique property of the trustee and the property belonging to the trust property. Contains information regarding the history of deposits being transferred to an account in the name of the trustee, which is a deposit account in the individual name of the trustee designated by the trustee as the trust property account;
The trust property information includes the amount of deposit in the trust property account,
The process executed by the computer is
a statement acquisition step of obtaining deposit and withdrawal transaction details for the account in the name of the trustee from a predetermined server capable of providing deposit and withdrawal transaction details for the deposit account, based on information regarding the account in the name of the trustee included in the account information; ,
a history information updating step of updating the history information based on the deposit/withdrawal transaction details acquired in the details acquisition step;
and a trust property information updating step of updating the trust property information in accordance with the update of the history information,
In the trust property information updating step, when the history information is updated based on the deposit/withdrawal transaction details indicating the transfer of deposits from the trust account to the account in the name of the trustee, the trust property information is updated by the amount of the transfer. updating the trust property information to reduce the amount of deposits in the account;
Trust business support method. A trust business support program for causing a computer to execute the trust business support method according to claim 10.