JP4064664B2 - Bank transaction confirmation system and method - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a system and method that can make confirmation and approval by a third party other than the remittance requester the processing condition in remittance / transfer request processing in an electric banking system, for example.
[0002]
[Prior art]
In recent years, with the rationalization of business and the need for cost reduction of companies, outsourcing has been attracting attention as a means for making the best use of limited management resources and continuing development.
[0003]
As an example of such outsourcing, there is a condominium manager who performs various accounting operations of the condominium management association. In such accounting work, the condominium management company prepares transfer data for each contractor for the condominium management association, which is a consignee, and brings this data to a financial institution to request a transfer.
[0004]
Such a transfer request is made, for example, by transferring funds to the apartment manager's account first and transferring the money from the apartment manager's account (using the trustee's account). Yes.
[0005]
According to such a method, the above-mentioned funds are debited with the condominium manager, or the necessary funds are transferred to the condominium manager's account by the condominium management association. Can be outsourced to the condominium manager.
[0006]
[Problems to be solved by the invention]
By the way, according to the conventional fund transfer agency business, there are the following problems to be solved.
[0007]
That is, in the method of transferring funds using the trustee's account as described above, it is necessary to temporarily transfer the money of the office trustee to the account of the trustee. This exposes the funds to the risk of misappropriation by the trustee. Moreover, even though the trustee has no intention of such misappropriation, there is no means to defend when the possibility is pointed out.
[0008]
In addition to this, there may be a method of making a transfer using an account of an office contractor (apartment management association) without using an account of an office trustee (apartment management company). However, with this method, there is another problem that it is necessary for the business consignor to check the contents of the payment data in advance, which takes a lot of time and effort.
[0009]
The present invention has been made in view of such circumstances, and an object of the present invention is to provide a system that removes the anxiety of both the business consignor and the business trustee and enables safe remittance processing by the trustee. To do.
[0010]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, according to a first main aspect of the present invention, a server having a server provided in a financial institution and a financial institution host for performing remittance processing, acting for a remittance procedure to a predetermined remittance destination A financial institution system for confirming bank transactions between a consignor / trustee and a remittance destination, and the server is connected to a communication terminal of the trustee and the consignor via a communication network, respectively. This server is created by the trustee and includes information for identifying the trustee and the trustee, information on the account of the remittance destination, and information on the account of the trustee or trustee who withdraws funds to be transferred to the remittance destination. Remittance request information (general transfer data: hereinafter referred to as “total transfer data”) from the trustee 's communication terminal via the communication network, and the funds in the trustee's or trustee's bank account money transfer A remittance request for remittance to an account is accepted, and a remittance request accepting unit that transmits the total transfer data to the financial institution host, and when the remittance request is accepted, it is concluded between the consignor and the trustee. and remittance proxy accesses the contract information database for storing information of the contract (DB), transfer between the consignor and the accession based on the information identifying the trustee's the consignor included in the total vibration data and contract information confirming unit to confirm the information of the agency contract, if the remittance agency contract could be confirmed, via a communication network to create a remittance approval request information, including the total vibration data to the communication terminal of the consignor transmitted, which receives via the communications network money transfer authorization information from the communication terminal consignor, the remittance acceptance processing unit that transmits an instruction to transfer process to the financial institution host, the For example, the financial institution host, when receiving the instruction of remittance processing from remittance consent processing unit of the server, remittance from the trustees or the consignor of the account is included in the total vibration data received from the remittance receiving unit There is provided a bank transaction confirmation system characterized by having a remittance processing unit for executing remittance processing related to the remittance request for a previous account .
[0011]
According to such a configuration, a remittance form that could not be performed conventionally, that is, it is possible to remit money from the account of the consignor by requesting remittance on behalf of the consignor. . And in this case, since it was made impossible to execute this without the approval of the consignor, the reliability of the office trustee can be ensured. In addition, by referring to the contract information DB when a remittance request is received, it is easy to identify a remittance request that requires the approval of the consignor, and the subsequent processing proceeds based on this request. Can do.
[0012]
Here, the remittance request acceptance processing unit of the server includes total transfer data lock instruction information for locking the total transfer data based on receiving the remittance approval information from the communication terminal of the entrustor via the communication network. Output to a financial institution host, and the financial institution host further includes a total data lock execution unit that locks the total data when receiving the total data lock instruction information. It is preferable that the remittance processing unit of the host executes the remittance process related to the remittance request based on the fact that the total transfer data is locked. According to such a configuration, after the consignor locks the remittance request, the contents cannot be changed without permission by the consignor.
[0013]
Further, the server, when receiving via the communication network a request from the communication terminal of the consignor, further comprising a transfer request content output unit which outputs the total vibration data to the communication terminal of the consignor It is preferable. According to such a configuration, the contents of the remittance request made by the trustee at any time can be confirmed.
[0017]
Further, the contract information DB stores remittance approval information when the consignor approves / denies remittance in addition to the information of the remittance agent contract in association with the trustee and consignor information or contract information. is there. In this case, the contract information storage unit stores remittance approval information that is different for each trustee in association with the identification information or contract information of the trustee.
[0018]
According to such a configuration, it is possible to increase the security when receiving the approval of the consignor, and thus it is possible to further improve the reliability.
[0019]
Further, in this system, when the remittance request acceptance processing unit of the server receives remittance refusal information from the communication terminal of the consignor via a communication network, information indicating the cancellation of the total transfer data is sent to the financial A total transfer cancellation instruction output unit for outputting to the institution host, and the financial institution host has a total cancellation execution unit for canceling the corresponding total transfer data when receiving the total transfer data cancellation instruction. Further provided. According to such a configuration, since the consignor can cancel the remittance request, it becomes possible to ensure the reliability to the trustee.
[0022]
According to the second main aspect of the present invention, a bank transaction confirmation system having a server provided in a financial institution and a financial institution host for performing remittance processing entrusts a proxy for a remittance procedure to a predetermined remittance destination. A method for confirming a bank transaction between a consignor / trustee and the remittance destination, wherein the server is connected to a communication terminal of the trustee and the consignor via a communication network, respectively. The remittance request acceptance unit of the server is created by the trustee and includes information for identifying the trustee and the consignor, information on the account of the remittance destination, and the trustee or consignor who withdraws funds to be transferred to the remittance destination. remittance information including the account of the information (total transfer data: hereinafter referred to as "total vibration data") was received through the communication network from the communication terminal of the trustee, the trustee or the consignor of the bank opening Funds inner with accepting remittance for transfer to a predetermined transfer destination account, and remittance request reception step of transmitting the total vibration data to the financial institution host, contract information confirmation section of the server, the remittance The contract information database (DB) that stores the information of the remittance agent contract concluded between the consignor and the consignor, and the consignor and the consignor included in the general transfer data are accessed. The contract information confirmation process for confirming the information of the remittance agent contract between the trustee and the consignor based on the information to be identified, and when the remittance request acceptance processing unit of the server has confirmed the remittance agent contract, the clients' creates a remittance approval request information containing the total vibration data to the communication terminal and transmitted via the communication network via the communication network money transfer authorization information from the communication terminal consignor While Shin, the remittance acceptance processing step of transmitting an indication of the remittance processing to the financial institution host, remittance processing unit of the financial institution host, receiving an instruction transfer processing from remittance acceptance processing unit of the server A remittance processing step for executing remittance processing related to the remittance request from the account of the trustee or the consignor included in the total transfer data received from the remittance request acceptance unit to the remittance destination account. A bank transaction confirmation method is provided.
[0023]
According to such a configuration, it is possible to provide a method that can be implemented by the invention according to the first aspect.
[0026]
Other features and remarkable effects of the present invention will become clearer to those skilled in the art with reference to the following description of the embodiments of the present invention and the drawings.
[0027]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0028]
The present invention is a system and method for enabling a consignor to give approval for remittance each time when a trustee who has received a request from the consignor performs remittance work for the consignor.
[0029]
As an embodiment of the present invention, as shown in FIG. 1A, the remittance is performed from the account 1 of the agency company Z, which is the trustee, and as shown in FIG. It can be divided into direct money transfer from account 2. Hereinafter, a case where remittance is performed from the account of the agency company Z (FIG. 1A) will be described first, and then a case where transmission is performed from the account of the consignor A (FIG. 1B) will be described.
[0030]
In the case of FIG. 1A, the contractor A moves a predetermined amount of funds to the Z company account 1 on a predetermined date according to an agreement between the agency company Z and the contractor A (indicated by step A1 in the figure). . As a result, the money of the consignor A can be transferred from the Z company account 1 to each of the traders B to D.
[0031]
Next, the agency company Z creates general transfer data (hereinafter abbreviated as “total transfer data”) for the consignor A and sends it to the financial institution system 10 (step A2). Here, the total transfer data is data including a plurality of transfer destinations and transfer amounts for each transfer destination.
[0032]
The financial institution system 10 that has received this total data transmits the contents to the consignor A and locks the data after receiving approval from the consignor A (step A3). Then, a transfer process to each of the traders B to D is performed based on the locked data (step A4).
[0033]
According to such processing, when the agency company Z remits money for the consignor A from its own account 1, it cannot be executed unless the consignor A confirms the contents and gives approval. Thereby, it becomes possible to secure the credit of the agency company Z.
[0034]
In order to enable the processing as described above, the financial institution system 10 according to this embodiment is configured as shown in FIG.
[0035]
That is, the financial institution system 10 includes an EB server 12 that receives and processes the total transfer data on the Web, a financial institution host 13 that performs remittance processing based on the data received by the EB server 12, and the remittance. A third party approval server 14 that obtains the approval of the consignor A, who is a third party, and a data lock request that instructs the financial institution host 13 to lock the total data based on the third party approval. And a server 15.
[0036]
The total transfer data prepared by the agency company Z is received by the EB server 12 (step B1). The EB server 12 has a total transfer data transmission unit 17, which transfers the total transfer data received from the agency company Z to the financial institution host 13 and the third party approval server 14. Transmit (steps B2 and B3).
[0037]
Here, as shown in FIG. 3, the total transfer data includes the information of the consignor A in addition to the information of the agent company Z that performs the remittance request procedure (preparation of total transfer data and transmission to the EB server 12). It is included, and it is possible to identify that it is a proxy transfer. The EB server 12 accesses the contract information DB indicated by 18 in FIG. 2 and confirms the information, and then transmits the total distribution data to the third party approval server 14.
[0038]
It is assumed that an approval password and a denial password, which will be described later, are registered in association with this contract in the information of each remittance agent contract registered in the contract information DB 18.
[0039]
The third party approval server 14 asks the third party consignor A for approval and receives it, and receives the approval information obtained from the third party from the data lock request server 15. An approval information transmitting unit 20 for transmitting data, an electronic document storage unit 21 for storing and storing the contents of data transmitted from the EB server 12, and an approval time limit managing unit 22 for managing a time limit for obtaining approval based on the remittance time limit. And have.
[0040]
The third party approval request unit 19 has a function of storing the total distribution data in the electronic document storage unit 21, creating a total distribution data posting mail 23 including the data, and transmitting it to the consignor A (step) B4). As a result, a transmitted status is assigned to each total data in the electronic document storage unit 21.
[0041]
The consignor A can check the contents of the total data by using the total data posting mail 23 transmitted from the third party approval request unit 19. As a result of the content confirmation, when the approval is made, the consignor A returns the approval together with a predetermined approval password to the third party approval server 14 (step B5). On the other hand, in the case of denial, the denial is returned to the third party approval server 14 together with a predetermined denial password (step B6).
[0042]
For this process, for example, the total data posting mail 23 is preferably provided with a third-party approval password or rejection password input box, an approval button, and a rejection button. The third party approval request unit 19 has a function of displaying an approval / denial screen including the total data on the Web page in response to a request from the consignor A.
[0043]
The third party approval time limit is managed by the approval time limit management unit 22. If the approval / denial password from the consignor A is not received within a predetermined period, the consignor A is instructed to send the posting mail 23 again.
[0044]
Upon receipt of the approval / denial password from the consignor A, the third party approval request unit 19 notifies the fact that the total data content has been approved or rejected by the consignor A based on this. Is transmitted to the agency company Z (step B7). Further, the approval information transmission unit 20 transmits the approval password or the denial password received from the consignor A to the data lock request server 15. (Step B8). Here, the transmission history by the approval information transmission unit 20 is all stored and accumulated in the electronic document storage unit 21 in the same manner as described above.
[0045]
The data lock request server 15 includes an approval data receiving unit 25, a total data lock instruction output unit 26, and a total data cancellation instruction output unit 27. The approval data receiving unit 25 has a function of receiving an approval password or a denial password from the third-party approval server 14. The total data lock instruction output unit 26 instructs the financial institution host 13 to lock the total data based on the approval password (step B9). The total cancellation cancellation instruction output unit 27 instructs the financial institution host 13 to cancel the total allocation based on the denial password (step B9).
[0046]
On the other hand, the financial institution host 13 includes a total data lock execution unit 30 that locks total data, a total report management unit 31 that manages a total report from the agency company Z, and a Z account from the Z company account. It consists of a remittance processing unit 32 that processes remittance and a total transfer cancellation execution unit 33 that executes total transfer cancellation. When receiving the total data lock request from the data lock request server 15, the total data lock execution unit 30 locks the total data approved by the consignor A. The total report (confirmation by the proxy company Z) is made by the proxy company Z who has seen the mail 24 indicating the approval from the consignor A, and is acquired by the total report management unit 31 (step B10).
[0047]
In this way, if the total transfer data is locked and the total report management unit 31 acquires the total report, the remittance processing unit 32 executes the remittance process from the Z company account based on the total transfer data. (Step B11).
[0048]
Further, the financial institution host 13 has a total cancellation executing unit 33. The total reversal execution unit 33 cancels the total relocation data based on the receipt of the total reversal cancellation instruction from the data lock request server 15 and the revocation approval from the agency company Z. In addition, when the total shake data is locked, the total shake cancel execution unit 33 cancels the lock after releasing the lock.
[0049]
According to such a configuration, when the proxy company Z transfers money from its own account, the consignor A, a third party, can confirm and approve it, and if there is no approval, transfer money Can not be. This makes it possible to improve the reliability of the consignor with respect to the remittance agent.
[0050]
Next, the case of FIG. 1B, that is, the case of direct remittance from the account of the consignor A will be described.
[0051]
In this case, unlike the case of FIG. 1A, the account 1 of the company Z is not used, and remittance is directly performed from the account 2 of the consignor A to each of the suppliers B to D.
[0052]
Also in this example, the agency company Z creates total data for the consignor A and transmits it to the EB server 12 of the financial institution system 10 (step C1).
[0053]
As shown in FIG. 4, in the total transfer data, the information of company Z is specified in the remittance proctor's field as in FIG. 3, but the account number field is not the account number of company Z, but is entrusted. The account number of the person A is specified.
[0054]
The financial institution system 10 that has received the total data transfers the contents to the consignor A and locks the data after receiving the approval of the consignor A (step C2). Then, the transfer process to each of the traders B to D is performed based on the locked data (step C3).
[0055]
According to such processing, it is possible to prevent the consignor A from executing it unless the transfer data is confirmed and approved.
[0056]
The said financial institution system 10 which performs such a process should just be the same structure as the structure demonstrated in FIG. Here, the financial institution system 10 refers to the account number field and determines whether the account number of the consignor A or the account number of the company Z is shown in FIGS. 1 (a) and 1 (b). Processing can be distributed and executed.
[0057]
If the remittance result is the remittance of FIG. 1B, the financial institution host 13 creates an instruction to remit money from the account of the consignor A, as indicated by D1 in FIG. To do.
[0058]
In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.
[0059]
For example, information browsing and approval are performed on the WEB, but may be performed from a mobile terminal such as a mobile phone.
[0060]
In the above embodiment, the total data is received on the Web, but the present invention is not limited to this.
[0061]
In addition, the approval procedure is not limited to e-mail, and may be performed by sending and receiving a fax or a letter, or may be performed by telephone.
[0062]
Further, when the consignor uses a plurality of agency companies, the approval password and the denial password may be common to all agency companies or may be different.
[0063]
【The invention's effect】
As described above, according to the present invention, it is possible to provide a system and method that removes the anxiety of both the business consignor and the business consignor and enables safe remittance processing by the consignor.
[Brief description of the drawings]
FIG. 1 is a schematic diagram for briefly explaining the processing of an embodiment of the present invention.
FIG. 2 is a schematic configuration diagram of a financial institution system.
FIG. 3 is a diagram for explaining the configuration of total oscillation data in the case of FIG.
FIG. 4 is a diagram for explaining the configuration of total vibration data in the case of FIG.
[Explanation of symbols]
Z ... Agency company A ... Consignor 10 ... Financial institution system 12 ... EB server 13 ... Financial institution host 14 ... Third party approval server 15 ... Data lock request server 17 ... Total data transmission unit 18 ... Contract information DB
19 ... Third-party approval request unit 20 ... Approval information transmission unit 21 ... Electronic document storage unit 22 ... Approval time limit management unit 23 ... Total transfer data posting email 24 ... Email to agency 25 ... Approval data reception unit 26 ... Total transfer Data lock instruction output unit 27 ... Total transfer cancellation instruction output unit 30 ... Total transfer data lock execution unit 31 ... Total report management unit 32 ... Remittance processing unit 33 ... Total transfer cancellation execution unit

Claims (7)

Confirmation of bank transactions between a consignor / trustee who entrusts the delegation of remittance procedures to a specified remittance party and a server provided at the financial institution and a remittance processing host that performs remittance processing A financial institution system that performs
The server is connected to the trustee and the communication terminal of the consignor via a communication network, respectively.
This server
Remittance request information created by the trustee and including information for identifying the trustee and the trustee, information on the account of the remittance destination, and information on the account of the trustee or trustee who withdraws funds to be transferred to the remittance destination (General transfer data: hereinafter referred to as “total transfer data”) is received from the trustee 's communication terminal via the communication network, and the funds in the bank account of the trustee or the trustee are transferred to the specified payee account. A remittance request accepting unit for transmitting the total transfer data to the financial institution host;
When the remittance request is received, the contract information database (DB) that stores information on the remittance agent contract concluded between the consignor and the consignor is accessed , and the consignor included in the total transfer data and A contract information confirmation unit for confirming information on a remittance agent contract between the trustee and the consignor based on information identifying the trustee;
If the remittance agency contract could be confirmed, the total vibration data to create a remittance approval request information, including to send via the communication network, remittance approval information from the communication terminal of the consignor to the communication terminal of the consignor which receives via a communication network, and a remittance acceptance processing unit that transmits an instruction to transfer process to the financial institution host,
When the financial institution host receives a remittance processing instruction from the remittance request acceptance processing unit of the server, the financial institution host receives the remittance destination from the account of the trustee or the consignor included in the total transfer data received from the remittance request reception unit . A bank transaction confirmation system comprising: a remittance processing unit that executes remittance processing related to the remittance request for an account . In the bank transaction confirmation system according to claim 1,
The remittance request acceptance processing unit of the server receives total transfer data lock instruction information for locking the total transfer data based on receiving remittance approval information from the communication terminal of the consignor via a communication network. Output to
The financial institution host further includes a total data lock execution unit that locks the total data when receiving the total data lock instruction information,
The bank transaction confirmation system, wherein the remittance processing unit of the financial institution host executes remittance processing related to the remittance request based on the fact that total transfer data is locked. In the bank transaction confirmation system according to claim 1,
The server, when receiving via the communication network a request from the communication terminal of the consignor, further comprising a transfer request content output unit which outputs the total vibration data to the communication terminal of the consignor Feature bank transaction confirmation system. In the bank transaction confirmation system according to claim 1,
The contract information DB stores remittance approval information when the consignor approves / denies remittance in addition to the information of the remittance agent contract in association with the information of the trustee and the consignor or contract information. A bank transaction confirmation system. In the bank transaction confirmation system according to claim 4,
The bank information confirmation system, wherein the contract information DB stores remittance approval information that differs for each trustee in association with the identification information or contract information of the trustee. In the bank transaction confirmation system according to claim 1,
When the remittance request acceptance processing unit of the server receives remittance refusal information from the communication terminal of the consignor via a communication network, the remittance request acceptance processing unit sends information to instruct the financial institution host to cancel the total transfer data It has a total cancellation instruction output unit that outputs,
The bank transaction confirmation system according to claim 1, wherein the financial institution host further includes a total reversal executing unit that cancels the corresponding total reversal data when receiving a total reversal data cancel instruction. A bank between a consignor / trustee who entrusts a transfer procedure to a specified remittance destination by a bank transaction confirmation system that has a server provided at the financial institution and a financial institution host that performs remittance processing, and the remittance destination bank A method for confirming a transaction,
The server is connected to the trustee and the communication terminal of the consignor via a communication network, respectively.
This method
The remittance request acceptance unit of the server is created by the trustee and includes information for identifying the trustee and the consignor, information on the account of the remittance destination, and the trustee or consignor who withdraws funds to be transferred to the remittance destination. Remittance request information including the account information (general transfer data: hereinafter referred to as “total transfer data”) is received from the trustee 's communication terminal via the communication network and stored in the trustee's or trustee's bank account. A remittance request accepting step of accepting a remittance request for remittance of funds to a predetermined remittance destination account, and transmitting this total distribution data to the financial institution host;
The contract information confirming unit of the server, when receiving the transfer request, and access to contract information database (DB) that stores the information of the fastening has been remittance agency contract between the consignor and the trustee, said A contract information confirmation process for confirming information of a transfer agent contract between the trustee and the trustee based on information identifying the trustee and the trustee included in the total data ,
When the remittance request acceptance processing unit of the server confirms the remittance agent contract, it creates remittance approval request information including the total data to the consignor 's communication terminal and transmits it via the communication network , Remittance request approval processing step of receiving remittance approval information from the communication terminal of the consignor via the communication network, and transmitting a remittance processing instruction to the financial institution host,
When the remittance processing unit of the financial institution host receives a remittance processing instruction from the remittance request acceptance processing unit of the server , the account of the trustee or the consignor included in the total transfer data received from the remittance request reception unit And a remittance processing step of executing remittance processing related to the remittance request for the remittance destination account .

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