JP4421924B2 - Transfer service system - Google Patents

Description

  The present invention relates to a transfer service system, and more particularly, to a processing technique in the case of transferring money to the same person.

  In general, in order to save money on exchange fees, multiple invoices are often combined and paid in a single transfer. At this time, you can only add 20 digits of financial EDI information per transfer for the contents of the remittance, and the details of the remittance amount etc. need to be communicated separately from the transfer requester to the recipient via facsimile etc. was there.

Conventionally, a transfer service system for performing a transfer has been proposed (see, for example, Patent Document 1 and Patent Document 2). Japanese Patent Application Laid-Open No. 2004-228561 discloses a system that executes remittance when a remittance amount reaches a certain amount or on a certain date. Patent Document 2 discloses a real-time virtual total transfer system that accepts transfers to a plurality of transfer destinations as one application data and performs a plurality of transfers at the same time. However, neither document is intended to quickly and reliably grasp the breakdown information of the remittance amount.
JP 2003-76862 A JP 2003-296582 A

  The conventional transfer method has the following various problems. In other words, the recipient who received the breakdown information from a large number of payers (transfer requesters) needs to perform the matching process of the payment data and the breakdown information based on the payment date, the amount of money received, the name of the sender, etc. There was a lot of trouble. In some cases, breakdown information is not communicated from the payer. In such a case, the recipient needs to confirm the breakdown information by telephone or the like individually.

  The present invention has been made to solve such a problem, and an object of the present invention is to provide a transfer service system that makes it possible to easily and reliably grasp the breakdown of transfer data.

In the transfer service system according to the present invention, when the transfer requester code included in the transfer requester data is a transfer requester code set in advance to charge the exchange fee, the transfer processing fee is charged for the transfer processing. In the case of a transfer requester code that is set not to charge the exchange fee in advance, each of the account system that does not charge the exchange fee for the transfer process , the transfer requester's terminal, and the recipient's terminal is connected to, a transfer service system to execute the transfer processing in the plurality of payment that payment amount associated with each transaction from remittance's account to the payee's account, from the transfer requester terminal The transfer account in which the payee's account is specified, the transfer amount in which the total amount of the plurality of payment details is specified, and the exchange fee are charged in advance in the account system Receives the item data including the transfer request data and the plurality of payment and a free transfer requester code is made set, it means for storing the request data storage unit, stored remittance to the request data storage unit Based on the data and detailed data, the transfer requester account is a transfer source account, an intermediate account other than the recipient account is a transfer destination account, and the plurality of payment details included in the transfer request data The first transfer data not including the transfer requester code included in the transfer request data, including the transfer requester code included in the transfer request data, and from the intermediate account and the transfer the original account, the payee's account that is included in the transfer request data and bank account, payment in the plurality of payment that is included in the specification data The transfer data of payment details units as either a transfer amount of money, as the second transfer data created with each of the plurality of payment, means for storing the transfer data storage unit, the first and a and the transfer data and the second transfer data read from the transfer data storage unit, in which Ru and means for transmitting to the accounting system.

  Also, based on the detailed data stored in the request data storage unit, the number of breakdowns included in the detailed data is compared with preset upper limit information, and this is indicated when the number of breakdowns exceeds the upper limit information. You may make it provide a means to transmit information to the said transfer requester's terminal.

  Furthermore, a means for calculating a fee to be charged to the recipient according to the number of breakdowns and / or the transfer amount included in the detailed data stored in the request data storage unit may be provided.

The other transfer service system according to the present invention is related to the transfer requester's account, and the transfer requester code included in the transfer requester data is a transfer requester code that is set in advance to charge a foreign exchange fee. In the case of a transfer requester code that is charged with a foreign exchange fee for the transfer processing and is not set to charge a foreign exchange fee in advance, an account system that does not charge a foreign exchange fee for the transfer processing, and a transfer request A transfer service system that is connected to each of a person's terminal and a recipient's terminal and executes a plurality of transfer processes from the transfer requester's account to the payee's account, from the transfer requestor's terminal , and the destination account of the payee's account has been specified, and the transfer amount in any one of the plurality of transfer processing, does not charge a pre-exchange fees in the accounting system set Receives transfer request data for each of the plurality of transfer processing including said transfer requester code made, means for storing the request data storage unit, a plurality of transfer request data stored in said request data storage unit Means for storing in the transfer data storage unit as a plurality of transfer data, means for reading out the plurality of transfer data from the transfer data storage unit and transmitting them to the billing system, and predetermined from the transfer data storage unit All transfer data where the transfer source account is the transfer requester's account and the transfer destination account is the recipient's account within the specified period, and add the transfer amount included in all the transfer data , to calculate the exchange commission in response to all the transfer amount of money that has been added, account transfer data to debit the exchange fee from the transfer request's account in the accounting system Create, means for storing the debit data storage unit, reads out the debit data stored in the debit data storage unit, in which a means for transmitting to the accounting system.

  Further, transfer request data stored in the request data storage unit for displaying display data for displaying the transfer details for the same recipient within a preset period in response to a request transmitted from the terminal of the transfer requester Or you may make it further provide the means produced based on the transfer data stored in the said transfer data memory | storage part, and transmitting with respect to the said transfer requester's terminal. In addition, from the transfer data storage unit, to the payee according to the number and / or transfer amount of all transfer data transferred from the same transfer requester to the same payee account within a predetermined period. You may make it provide the means to calculate the commission to charge.

In the transfer processing method according to the present invention, when the transfer requester code included in the transfer requester data is a transfer requester code that is set in advance to charge the exchange fee, the transfer processing fee is charged for the transfer processing. In the case of a transfer requester code that is set not to charge the exchange fee in advance, each of the account system that does not charge the exchange fee for the transfer process , the transfer requester's terminal, and the recipient's terminal a transfer processing method for performing a transfer process in the connected transfer service system by a plurality of payment that payment amount associated with each transaction from remittance's account to the payee's account and the transfer service system, said from the of the transfer client's terminal, and the transfer amount of money the total amount has been specified with the payee's account is specified bank account the plurality of payment intuition A step of pre-exchange fees and no charge setting receives the detailed data including the transfer request data and the plurality of payment and a transfer requester code was made, and stores the request data storage unit in a system system, the transfer service Based on the transfer request data and detailed data stored in the request data storage unit, the system uses the transfer requester's account as a transfer source account, and an intermediate account that is an account other than the payee's account as a transfer destination account First transfer data not including the transfer requester code included in the transfer request data is created using the total amount of the plurality of payment details included in the transfer request data as a transfer amount, and the transfer request data wherein the transfer requester code included, the intermediate account and the transfer source account, vibration of the beneficiary account included in the transfer request data To the previous account, the transfer data of the payment details units and the amount of transfer any of the payment amount in the plurality of payment that is included in the specification data, and the second transfer data attached to each of the plurality of payment Creating the data and storing it in the transfer data storage unit, and the transfer service system reads the first transfer data and the second transfer data from the transfer data storage unit and transmits them to the billing system in which Ru and a step of.

The other transfer processing method according to the present invention is related to the transfer requester's account, and the transfer requester code included in the transfer requester data is a transfer requester code in which the exchange fee is set in advance. In the case of a transfer requester code that is charged with a foreign exchange fee for the transfer processing and is not set to charge a foreign exchange fee in advance, an account system that does not charge a foreign exchange fee for the transfer processing, and a transfer request A transfer processing method for executing a plurality of transfer processes from an account of a transfer requester to an account of a payee by a transfer service system connected to each of a person's terminal and a receiver's terminal , wherein the transfer service system but, from the transfer client's terminal, and the bank account of the payee's account has been specified, and the transfer amount in any one of the plurality of transfer processing, the account-based cis A step of pre-exchange fees and no charge setting the transfer request data including the transfer requester code made to receive for each of the plurality of transfer processing, and stores the request data storage unit in arm, the transfer service system, Storing a plurality of transfer request data stored in the request data storage unit in the transfer data storage unit as a plurality of transfer data, and the transfer service system reads the plurality of transfer data from the transfer data storage unit And the transfer service system, from the transfer data storage unit, the transfer source account is the account of the transfer requester within a predetermined period , and the transfer destination account is the receipt to extract all of the transfer data is a person of the account, adding the transfer amount to be included in the all of the transfer data, it is added A step of calculating the exchange fee in accordance with the total transfer amount, the create a debit data for debiting the exchange fees from remittance's account in the accounting system, and stores the debit data storage unit, wherein The transfer service system comprises a step of reading the account transfer data stored in the account transfer data storage unit and transmitting it to the account system.

Embodiment 1 of the Invention
The transfer service system according to the present invention executes a transfer process. In the present invention, “transfer” includes not only a transfer in a narrow sense but also a concept such as a transfer. First, the whole system including the transfer service system according to the present invention will be described with reference to FIG.

  The transfer service system 1 is connected to the accounting system 2 via a communication network such as a LAN (Local Area Network) or a WAN (Wide Area Network), or a public telephone line, an ISDN line, a dedicated line, or the like. The transfer service system 1 is connected to a transfer requester's terminal 3 and a recipient's terminal 4 via a communication network 5 such as the Internet.

  The transfer service system 1 includes a web server 11, a mail server 12, an application server 13, a database (DB) server 14, and a communication module 15. The web server 11, the mail server 12, the application server 13, the database (DB) server 14, and the communication module 15 are connected so as to be communicable with each other via a LAN (Local Area Network) or the like.

  The specific configuration of the web server 11, the mail server 12, the application server 13, and the database (DB) server 14 will be described in detail later. The configuration is configured by a so-called computer, and includes hardware configurations such as a CPU, ROM, RAM, and hard disk And an OS (Operation System) program and an application program are stored on the hard disk. Then, as appropriate, these programs are expanded on the RAM, and a predetermined process is executed by the CPU.

  The web server 11 includes a so-called web engine, generates web data in an HTML (Hyper Text Markup Language) format or an XML (eXtensible Markup Language) format based on a request from the application server 13, HTTP (Hyper Text Transfer Protocol), It has a function of transmitting to the transfer requester's terminal 3 and the recipient's terminal 4 via the communication network 5 such as the Internet by HTTPS (Hyper Text Transfer Protocol over SSL). In addition, it has a function of outputting information transmitted from the transfer requester's terminal 3 and the recipient's terminal 4 to the application server 13 and the database server 14.

  The mail server 12 has a function of transmitting predetermined information to the transfer requester's terminal 3 and the recipient's terminal 4 by e-mail via the communication network 5 and the provider's mail server based on a request from the application server 13. And a function of receiving predetermined information by electronic mail from the terminal 3 of the transfer requester or the terminal 4 of the recipient via the communication network 5 and the mail server of the provider. More specifically, the mail server 12 implements communication by SMTP (Simple Mail Transfer Protocol) or POP (Post Office Protocol).

  The application server 13 has a function of executing mainly a series of processes in the transfer service system 1. The application server 13 constitutes a so-called Internet banking system, and one of the functions is a transfer processing function according to the present invention. More specifically, the application server 13 is installed with a software program for executing the transfer processing function according to the present invention. After the program is expanded on the RAM, it is controlled by a control processing means such as a CPU. A predetermined process is executed.

  The database (DB) server 14 stores information necessary for processing in the transfer service system 1. The database server 14 has a large-capacity hard disk and is constructed by installing a network OS and application software dedicated to the database server. An example of information stored in the database server 14 is shown in FIG. As shown in the figure, the database server 14 includes a request data storage unit 141, a transfer data storage unit 142, a transfer client data storage unit 143, an accounting information storage unit 144, an account transfer data storage unit 145, a deposit / withdrawal specification data storage. Part 146.

  The request data storage unit 141 stores transfer request data, detailed data, and the like. More specifically, transfer requester account information, transfer destination account information, transfer date, transfer amount, transfer details information, transfer requester. Codes etc. are stored. The account information of the transfer requester includes an account number. The transfer destination account information is the account information of the recipient and includes an account number. The transfer date is the account date on which the transfer is executed. The transfer details information refers to a plurality of payment details included in the transfer. For example, information specifying a product or service to be paid and amount information for each product / service are included.

  The transfer data storage unit 142 stores transfer source account information, transfer destination account information, transfer date, transfer amount, transfer requester code, and the like. The transfer source account information is basically the account information of the transfer requester. The transfer destination account information includes the account information of the payee and the extra deposit account information of the transfer requester. Here, the separate deposit account of the transfer client is a form of an intermediate account, which is newly opened to realize characteristic processing in the transfer service system according to the first embodiment of the present invention. . The intermediate account may not be a separate deposit account, but may be a virtual account created virtually in the transfer service system. The specific role will be described in detail later.

  The transfer requester data storage unit 143 stores the account information of the transfer requester, the extra deposit account information of the transfer requester, and the transfer requester code.

  The billing information storage unit 144 includes information for identifying a recipient, a usage fee, and a designated transfer date. As information identifying the recipient, account information, name, address, telephone number, etc. of the recipient are stored. The usage fee is a usage fee charged to the payee for using this transfer service system. The account transfer data storage unit 145 stores transfer source account information, transfer destination account information, transfer date, transfer amount, and the like. The deposit / withdrawal statement data storage unit 146 stores a transaction date, a deposit / payment category, a transaction category, a transaction amount, a summary, and the like.

  The communication module 15 communicates with other servers in the transfer service system 1 and communicates with the billing system 2. The communication module 15 may be configured by hardware independent of other computers, or may be configured by software on other computers.

  The transfer service system 1 according to the embodiment of the present invention can be configured by a single computer instead of a plurality of computers, and the hardware configuration is limited to the configuration shown in FIG. is not. Further, other servers such as a firewall server and a hardware configuration may be provided.

  The billing system 2 includes a billing host computer 21 and a billing database (DB) 22. In addition to this, the accounting system 2 includes an external connection system and the like. An external connection system (not shown) is connected to the national bank data communication system via a communication network. It is connected to the accounting system of another bank or other financial institution through such a national bank data system. The accounting host computer 21 is a computer that mainly executes accounting processing in the accounting system 2. In the account database 22, for example, account information, transfer date, transfer amount, transfer requester code, transfer requester name, destination bank name, destination store name, etc. are stored as deposit / withdrawal information. This account system 2 can set whether or not to charge the exchange fee according to the transfer requester code. The setting contents are stored in the account database 22, for example.

  The transfer requester's terminal 3 is used by the transfer requester and is a personal computer (PC), a mobile terminal, a mobile phone with a so-called Internet connection function, etc., and input / output means such as a CPU, ROM, RAM, keyboard, mouse, etc. A display is provided. The transfer requester's terminal 3 has a browser program stored in storage means such as a hard disk, and can receive web data transmitted from the transfer service system 1 and display it on a display. The transfer requester includes both individuals and corporations.

  The recipient's terminal 4 is used by the recipient who is the owner of the account at the transfer destination, and is a personal computer (PC), a portable terminal, a mobile phone with a so-called Internet connection function, etc., and includes a CPU, ROM, RAM, keyboard, Input / output means such as a mouse, a display and the like are provided. The recipient's terminal 4 has a browser program stored in a storage means such as a hard disk, and can receive web data transmitted from the transfer service system 1 and display it on a display. Recipients include both individuals and corporations.

  The communication network 5 is a communication network such as the Internet or a public network.

  Next, a data flow in the transfer service system according to the first exemplary embodiment of the present invention will be described with reference to FIG. In the transfer service system according to the first embodiment of the present invention, the deposit process is performed by dividing the amount of money for each detail information, that is, for each breakdown. The exchange fee for the transfer client is charged as one. However, in the transfer process in this example, the account of the transfer requester and the account of the payee are provided in the same bank.

  As shown in the figure, transfer request data and detailed data are transmitted from the transfer requester's terminal 3 to the transfer service system 1. 4A and 4B show examples of transfer request data and detailed data.

  The transfer service system 1 receives the transfer request data and detailed data. The transfer service system 1 creates the following two transfer data (remittance data) based on the transfer request data and the detailed data. One is transfer data collected from a transfer requester account to a separate deposit account opened for each transfer requester (hereinafter referred to as first transfer data). This remittance data is transfer data of an amount obtained by adding a plurality of payments. That is, in this example, the transfer data is information that specifies that 100 million yen will be transferred on February 27 to a separate deposit account.

  The other transfer data is transfer data of the number of breakdowns included in the detailed data from the account of another deposit to the original recipient's account (hereinafter referred to as second transfer data). In the example shown in FIG. 4B, since there are 8 breakdowns such as product A (for 2/10 delivery) and product A (for 2/20 delivery), eight transfer data are created.

  The transfer service system 1 transmits the first transfer data and the second transfer data created in this way to the account system 2. The accounting system 2 first processes the first transfer data. In accordance with the first transfer data, the billing system 2 stores the exchange fee for the transfer requester. Here, since the 1st transfer data is 1 transfer, it becomes the exchange fee for 1 transfer.

  Next, the accounting system 2 processes the second transfer data. Since the second transfer data is the transfer data for the number of breakdowns as described above, the accounting system 2 performs a transfer process on each transfer data and records the transfer. In the accounting system 2, transfer by the second transfer data, that is, transfer from a separate deposit account is set in advance so as not to store the exchange fee. As a result, only one exchange fee is charged to the transfer client.

  When making a deposit / withdrawal inquiry for the recipient's account from the recipient's terminal 4, since the transfer itself has been made for the number of breakdowns, each breakdown is included in the deposit / withdrawal statement. As shown in FIG. 4, the recipient can obtain information on the payment details of all the breakdowns (eight in this case). That is, according to the first embodiment of the present invention, the transfer requester can make a transfer for a plurality of cases with a single exchange fee, and the recipient can know the breakdown of each case. Therefore, it is possible to easily execute so-called deposit application. In particular, according to the first embodiment of the present invention, it is not necessary to fundamentally change the accounting system because the amount of the exchange fee is limited to one by providing a separate deposit account. Therefore, it is possible to reduce the cost of system construction and reduce the risk of occurrence of problems.

  Furthermore, specific processing of the transfer service system 1 according to the first exemplary embodiment of the present invention will be described using the flowchart shown in FIG. First, the transfer client uses the terminal 3 to access the transfer service system 1 by giving predetermined URL information to the browser. At the time of access, an authentication process using a user ID, a password, or the like is executed. When the transfer requester's terminal 3 accesses the transfer service system 1, the web server 11 or the like transmits a web page for inputting transfer data and detailed data to the transfer requester's terminal 3. At the transfer requester's terminal 3, the web page is displayed on the screen, and the transfer request data and the detailed data are input by an input using a keyboard or the like, or by uploading a file stored in advance or setting a link. The input transfer request data and detailed data are transmitted from the transfer requester's terminal 3 to the transfer service system 1 via the communication network 5.

  The transfer service system 1 receives the transfer request data and the detailed data and stores them in the request data storage unit 141 of the database server 14 by the application server 13 (S101). Next, the transfer service system 1 reads the transfer request data and the detailed data stored in the request data storage unit 141 by the application server 13, and creates the first transfer data and the second transfer data described above. That is, transfer data collected from the transfer requester's account to a separate deposit account and transfer data of the number of breakdowns included in the detailed data from the separate deposit account to the original recipient's account are created ( S102). The application server 13 stores the created two types of transfer data in the transfer data storage unit 142.

  Next, the transfer service system 1 reads the first transfer data and the second transfer data stored in the transfer data storage unit 142, and transmits them to the account system 2 (S103). In the accounting system 2, the accounting system host computer 21 receives the first transfer data and the second transfer data, and executes a transfer process according to each transfer data (S104). For example, in the example shown in FIG. 4, a total of 100 million yen is transferred from the transfer requester's account to another deposit account on February 27 using the first transfer data. At this time, the billing system 2 charges a foreign exchange fee in the same manner as in a normal transfer process. Subsequently, 8 transfers are performed from the separate deposit account to the payee's account using the second transfer data. At this time, the account system 2 is registered not to charge a foreign exchange fee for the transfer process from the separate deposit account. More specifically, in the account system database 22 of the account system 2, a transfer requester code that specifies an account that does not charge a foreign exchange fee is separately assigned and stored. The second transfer data includes the transfer requester code in which the account database 22 is set so as not to charge the exchange fee. Therefore, the account host computer 21 is based on the second transfer data. No transfer fee is charged in the transfer process.

  It should be noted that an upper limit may be set for the number of breakdowns that can be combined into one transfer by the transfer service system 1. For example, the upper limit information of the number of breakdowns is set on the program of the application server 13 of the transfer service system 1. When the application server 13 receives the transfer data and the detailed data from the terminal 3 of the transfer requester, the application server 13 acquires the breakdown number information included in the detailed data and compares it with preset upper limit information. As a result of the comparison, when the number of cases determined by the upper limit information exceeds the number of cases determined by the breakdown number information included in the detailed data, information indicating that the number is exceeded is transmitted to the terminal of the transfer requester. On the other hand, if the upper limit is not exceeded, processing is performed as usual.

  Further, a fixed fee for using the transfer service system from the payee, or a fee according to the number of breakdowns and / or the transfer amount may be stored. When storing the fee, the application server 13 of the transfer service system 1 follows the fixed fee or the number of breakdowns read from the request data storage unit 141 and / or the transfer amount based on the fee amount set in the program. The fee amount is calculated and stored in the charging information storage unit 144 of the database server 14 together with the designated date. Then, the application server 13 transmits the fee transfer account transfer data to the account system 2 on the designated date. The application server 13 may designate the transfer date and transmit the fee withdrawal account transfer data to the account system 2 before the specified date. For the fee for the payee, the transfer service system 1 may execute a process of subtracting from the transfer amount.

  In addition, based on the transfer data received by the transfer service system 1 and the detailed data, the transfer data corresponding to the number of breakdown items specified by the detailed data from the transfer requester's account to the payee's account is not taken. It may be created and transmitted to the accounting system 2. In this case, transfer processing is performed for the number of details of the transfer requester, but it is necessary to change the account system 2 so that the exchange fee becomes one.

Embodiment 2 of the Invention
The transfer service system according to the second embodiment of the present invention executes a service that charges a foreign exchange fee as a single transfer when a plurality of transfers are made to the same account within a certain period of time without performing a total transfer. . This service is also basically limited to transfers within the same bank.

  A data flow in the transfer service system according to the second exemplary embodiment of the present invention will be described with reference to FIG. As shown in the figure, transfer request data is transmitted from the transfer requester's terminal 3 to the transfer service system 1. FIG. 6A shows an example of transfer request data. As shown in the figure, the transfer request data is created by being divided into a plurality of transfers according to the contents. In this example, it is a transfer according to each payment corresponding to the type of goods to be paid. The transfer request data includes a transfer requester code. This transfer requester code is a dedicated transfer requester code when receiving the application of the transfer service by the transfer service system 1. In the accounting system 2, it is registered that the exchange fee is not charged for the transfer with the transfer requester code. In FIG. 6A, two transfer request data are shown as representatives, but in this example, eight transfer request data are transmitted from the transfer requester's terminal 3 to the transfer service system 1. The eight transfer request data may not necessarily be transmitted to the transfer service system 1 at the same timing. For example, transfer request data for which transfer dates are set within a predetermined period are associated with each other and become the scope of application of this service. Here, as the predetermined period, an arbitrary time range such as half day, one day, two days, or one week can be set. In the second embodiment of the present invention, the transfer data transmitted to the accounting system 2 is the same as that shown in FIG.

  The transfer service system 1 receives the transfer request data. In the transfer service system 1, a foreign exchange fee agreed in advance with the transfer requester is registered. This exchange fee is imposed on a transfer request made to the same recipient within a certain period. For example, the normal exchange fee for one case.

  The transfer service system 1 transmits the eight transfer request data with the received transfer requester code as transfer data to the account system 2.

  The accounting system 2 executes a transfer process according to the transfer data. At this time, since the transfer data includes a transfer requester code that is set in advance so as not to charge the exchange fee, the account system 2 does not charge the exchange fee in these transfer processes.

  The transfer service system 1 calculates the exchange fee for the transfer to the same account for a predetermined period, and transmits the account transfer data for deducting the exchange fee to the account system 2 on the designated date registered in advance. . Here, the exchange fee can be determined by the number of transfers and / or the transfer amount, and is, for example, a normal exchange fee.

  The account system 2 receives the account transfer data and executes a deduction process for the exchange fee based on the account transfer data.

  When making a deposit / withdrawal inquiry for the recipient's account from the recipient's terminal 4, the transfer itself is performed in a plurality of parts, so that each breakdown is included in the deposit / withdrawal statement. As shown in FIG. 6 (b), the recipient can obtain information on all the details (here, 8) of the payment details. That is, according to the second embodiment of the present invention, the transfer requester can make a transfer for a plurality of cases with a single exchange fee, and the recipient knows the breakdown of each case. Therefore, it is possible to easily execute so-called deposit application. In particular, according to the second embodiment of the present invention, for example, one transfer fee is transferred separately in the transfer service system 1 without charging the exchange fee in each transfer process. Since there is basically no need to change the system, it is possible to reduce the cost of system construction and reduce the risk of occurrence of problems.

  In the transfer service system according to the second embodiment of the present invention, it is preferable that the transfer requester can refer to the transfer details addressed to the same account within a certain period.

  Further, a fixed fee for using the transfer service system from the payee or a fee according to the number of breakdowns may be stored. When storing the fee, the application server 13 of the transfer service system 1 follows the fixed amount fee or the breakdown number read from the transfer data storage unit 142 and / or the total transfer amount based on the fee amount set in the program. The fee amount is calculated and stored in the charging information storage unit 144 of the database server 14 together with the designated date. Then, the application server 13 transmits the fee transfer account transfer data to the account system 2 on the designated date. The application server 13 may designate the transfer date and transmit the fee withdrawal account transfer data to the account system 2 before the specified date.

  Note that an error may occur for some transfers when the transfer is made to the same person within a predetermined period. In this case, when the deposit process is performed from the terminal connected to the billing system 2, the receipt number assigned for each transfer in the transfer service system 1 is entered in the summary column. In the transfer service system 1, the transfer details are identified from the receipt number, and the exchange fee is deducted after deducting the transfer corresponding to the transfer in which the error has occurred from the total transfer amount for calculating the exchange fee. For example, in the example shown in FIG. 6, when an error occurs in one transfer out of eight transfers, the exchange fee is calculated from the total transfer amount for seven transfers. However, such a process is not necessary if the same amount of exchange fee is charged regardless of the number of cases when the payment is made to the same person within a predetermined period. In addition, in the transfer service system 1, you may implement the registration method which deducts the said amount from the transfer total amount which calculates a currency exchange fee.

  Furthermore, specific processing of the transfer service system 1 according to the second exemplary embodiment of the present invention will be described using the flowchart shown in FIG. First, the transfer client uses the terminal 3 to access the transfer service system 1 by giving predetermined URL information to the browser. At the time of access, an authentication process using a user ID, a password or the like is executed. When the transfer requester's terminal 3 accesses the transfer service system 1, the web server 11 or the like transmits a web page for inputting transfer data to the transfer requester's terminal 3. At the transfer requester's terminal 3, the web page is displayed on the screen, and the transfer request data is input by input using a keyboard or the like, or by uploading a file stored in advance or setting a link. This transfer request data includes the transfer requester code described above. The input transfer request data is transmitted from the transfer requester's terminal 3 to the transfer service system 1 via the communication network 5.

  The transfer service system 1 receives the transfer request data and stores it in the request data storage unit 141 of the database server 14 by the application server 13 (S201). Next, the application server 13 determines whether the transfer request data stored in the request data storage unit 141 is the target of the transfer service according to the present invention, the transfer requester account information and the transfer destination account included in the transfer data. Judgment from information. At this time, when it is determined that the transfer data is the target of the transfer service according to the present invention, flag information indicating that may be added. If it is determined that the application server 13 is the target of the transfer service, the application server 13 reads the transfer request data stored in the request data storage unit 141 and stores it in the transfer data storage unit 142 as transfer data.

  Next, the application server 13 of the transfer service system 1 reads the transfer data stored in the transfer data storage unit 142 and transmits it to the billing system 2 (S202). In the accounting system 2, the accounting host computer 21 receives the transfer data and executes a transfer process according to the transfer data. For example, in the example shown in FIG. 6, 20 million yen is transferred on February 27 to the Y industry account (currently 1234567) by the first transfer data. At this time, the account system 2 determines that the transfer requester code included in the transfer data is a transfer requester code associated with an account that does not charge a foreign exchange fee, and executes the transfer based on the transfer data. There is no foreign exchange fee in processing.

  The application server 13 of the transfer service system 1 transfers a transfer case having a combination of a transfer source account and a transfer destination account to which the transfer service of the present invention is applied during the predetermined period after a predetermined period has elapsed. Extracted from the transfer data stored in the data storage unit 142. Based on the extracted transfer data, the exchange fee is calculated, and the account transfer data for deducting the exchange fee is transmitted to the account system 2 on the designated date registered in advance. Here, the exchange fee is, for example, a normal exchange fee. When the exchange fee is set according to the transfer amount, the transfer amount included in the transfer data is added to obtain the total transfer amount. Then, the exchange fee corresponding to the transfer amount is calculated using a table or the like. In addition to the transfer amount, the exchange fee may be calculated according to the number of transfers, or the exchange fee may be calculated only according to the number of transfers.

  The account system 2 receives the account transfer data and executes a deduction process for the exchange fee based on the account transfer data.

  In the transfer service system 1 according to the second embodiment of the present invention, the transfer requester can refer to the transfer details addressed to the same account within a certain period (S204). Specifically, when there is a request for transfer details information from the terminal 3 of the transfer requester, the transfer service system 1 is stored in the request data storage unit 141 of the database server 14 by the web server 11 or the application server 13. Based on the transfer request data or the transfer data stored in the transfer data storage unit 142, the transfer details information addressed to the same account within a certain period is read, converted into display data, and transmitted to the terminal 3 of the transfer requester To do. The transfer requester's terminal 3 receives the display data and displays it on the screen by a browser program.

Embodiment 3 of the Invention
In the transfer service system 1 according to the third embodiment of the present invention, a service is provided in which the recipient can view the breakdown information when the recipient's account is another bank account.

  The flow of data in the transfer service system according to the third embodiment of the present invention will be described with reference to FIG. As shown in the figure, transfer request data and detailed data are transmitted from the transfer requester's terminal 3 to the transfer service system 1. FIG. 8A shows an example of transfer data, and FIG. 8B shows an example of detailed data. As shown in the figure, the transfer request data is a total of eight transfers, and is specified as one transfer with a total of 100 million yen.

  The transfer service system 1 receives the transfer request data and detailed data. The transfer service system 1 transmits the transfer request data to the account system 2 as transfer data. The accounting system 2 executes a transfer process according to the transfer data. Specifically, in the third embodiment of the present invention, since the payee's account is another bank account, the transfer process is executed to the account system 6 of another bank via the national bank data communication system. . At this time, specific matching key information is included in the financial EDI information of the transfer data. The financial EDI information is also included in the deposit details data transmitted to the recipient's terminal 4 after completion of the transfer process in another bank.

  Based on the transfer request data and the detailed data, the transfer service system 1 creates deposit / withdrawal detailed data of the payee account in a format established by the National Banking Association (hereinafter, Zengin format). This deposit / withdrawal detail data corresponds to the detail data. In addition, the deposit / withdrawal statement data is the deposit / withdrawal statement data in a format that can be obtained from the bank where the recipient's account is located. At this point, the deposit / withdrawal statement data is created in the bank transfer service system of the transfer source and provided to the recipient. ing. That is, the deposit / withdrawal detail data is not used for the transfer process, but for viewing or processing information on the recipient's terminal. At this time, since the deposit / withdrawal details are created in the all-silver format, an existing software program capable of inputting, displaying, and processing the deposit / withdrawal details according to the all-silver format can be utilized. As shown in FIG. 8 (c), in the deposit / withdrawal details data, the details to be actually deposited are created as withdrawal details, and the deposit details are created for each breakdown information unit. Then, matching key information included in the corresponding transfer data is included in the summary column of the withdrawal details in the deposit / withdrawal details data. The deposit / withdrawal detail data is not limited to the example shown in FIG. For example, the uppermost withdrawal data in which the payment category is “pay” is excluded, and the matching key information is included in each of the summary fields of the eight deposit data with the payment category “in”. It may be.

  The exchange fee is charged corresponding to one transfer data, and the same processing as the normal charging process is performed.

  The payee can obtain the deposit / withdrawal details data shown in FIG. 8 (d) by inquiring the other account system 6 for the deposit / withdrawal details. This deposit / withdrawal description data includes matching key information in the summary column. Further, the payee can obtain the deposit / withdrawal details data created in the Zengin format from the transfer service system 1. Since the matching key information is also included in the deposit / withdrawal detail data, matching (matching) with the deposit / withdrawal detail data acquired from another bank system can be executed. In particular, since the acquired deposit / withdrawal details data are both created in the Zengin format, they can be displayed and processed on an existing software program, so that matching can be easily executed.

  Further, specific processing of the transfer service system 1 according to the third embodiment of the present invention will be described with reference to the flowchart shown in FIG. First, the transfer client uses the terminal 3 to access the transfer service system 1 by giving predetermined URL information to the browser. At the time of access, an authentication process using a user ID, a password or the like is executed. When the transfer requester's terminal 3 accesses the transfer service system 1, the web server 11 or the like transmits a web page for inputting the transfer request data and the detailed data to the transfer requester's terminal 3. At the transfer requester's terminal 3, the web page is displayed on the screen, and the transfer request data and the detailed data are input by an input using a keyboard or the like, or by uploading a file stored in advance or setting a link. The input transfer request data and detailed data are transmitted from the transfer requester's terminal 3 to the transfer service system 1 via the communication network 5.

  The transfer service system 1 receives the transfer request data and the detailed data and stores them in the request data storage unit 141 of the database server 14 by the application server 13. Next, the application server 13 determines whether the transfer request data stored in the request data storage unit 141 is the target of the transfer service according to the present invention, the transfer requester account information and the transfer destination included in the transfer request data. Judgment from account information. At this time, when it is determined that the transfer request data is a target of the transfer service according to the present invention, flag information indicating that may be added. The application server 13 reads the transfer request data stored in the request data storage unit 141 and creates transfer data for transmission to the billing system 2 (S301). At this time, if it is determined that it is a transfer service target, the matching key information is included as financial EDI information in the transfer data. The application server 13 stores the created transfer data in the transfer data storage unit 142.

  Next, the application server 13 of the transfer service system 1 reads the transfer data stored in the transfer data storage unit 142 and transmits it to the billing system 2 (S302). In the accounting system 2, the accounting host computer 21 receives the transfer data and executes a transfer process according to the transfer data. For example, in the example shown in FIG. 8, 100 million yen is transferred on February 27 to the account of Y industry (currently 1234567). At this time, the billing system 2 charges a normal exchange fee.

  The application server 13 of the transfer service system 1 reads the transfer request data and the detailed data stored in the request data storage unit 141, and creates deposit / withdrawal detailed data corresponding to the detailed data in the Zengin format based on these data. (S303). The created deposit / withdrawal detail data is stored in a deposit / withdrawal detail data storage unit (not shown) in the database server 14. As shown in FIG. 8 (c), in the deposit / withdrawal details data, the details to be actually deposited are created as withdrawal details, and the deposit details are created for each breakdown information unit. Then, matching key information included in the corresponding transfer data is included in the summary column of the withdrawal details in the deposit / withdrawal details data.

  When a deposit / withdrawal statement is inquired from the recipient's terminal 4 to another bank system 6, the deposit / withdrawal statement data shown in FIG. 8D is transmitted from the other bank system 6. This deposit / withdrawal description data includes matching key information in the summary column.

  In addition, the deposit / withdrawal statement data created in the Zengin format can be acquired from the transfer service system 1 from the recipient's terminal 4 (S304). For example, the application server 13 of the transfer service system 1 reads the pre-registered recipient's e-mail address, reads out the deposit / withdrawal statement data stored in the deposit / withdrawal statement data storage unit, and the mail server 12 reads the recipient's email address. An e-mail attached with a file including the deposit / withdrawal details data is transmitted to the e-mail address. Further, the electronic mail may include URL information for accessing the deposit / withdrawal specification data without attaching a file including the deposit / withdrawal detail data.

  Further, a fixed fee for using the transfer service system from the payee, or a fee according to the number of breakdowns and / or the transfer amount may be stored. When storing the fee, the application server 13 of the transfer service system 1 follows the fixed fee or the number of breakdowns read from the request data storage unit 141 and / or the transfer amount based on the fee amount set in the program. The fee amount is calculated and stored in the charging information storage unit 144 of the database server 14 together with the designated date. Then, the application server 13 charges a fee by executing a process of subtracting from the transfer amount.

It is a system configuration | structure figure of the transfer service system concerning this invention. It is a figure which shows the example of data of the database server of the transfer service system concerning this invention. It is a figure which shows the data flow in the transfer service system concerning this invention. It is a figure which shows the example of data of the transfer service system concerning this invention. It is a figure which shows the data flow in the transfer service system concerning this invention. It is a figure which shows the example of data of the transfer service system concerning this invention. It is a figure which shows the data flow in the transfer service system concerning this invention. It is a figure which shows the example of data of the transfer service system concerning this invention. It is a flowchart which shows the process of the transfer service system concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Transfer service system 2 Account system 3 Transfer requester's terminal 4 Recipient's terminal 5 Communication network 11 Web server 12 Mail server 13 Application server 14 Database server 15 Communication module 21 Account system host computer 22 Account system database 141 Request data storage Unit 142 Transfer Data Storage Unit 143 Transfer Client Data Storage Unit 144 Accounting Information Storage Unit

Claims (8)

If the transfer requester code included in the transfer requester data is a transfer requester code that has been set in advance to charge an exchange fee, the exchange fee is charged for the transfer process, and no exchange fee is charged in advance. in the case of been the transfer requester code, and accounting system that does not charge a currency exchange fee for the transfer processing, and transfer client's terminal, is connected to each of the recipient's terminal, the transfer request's account A transfer service system for executing a transfer process in a payment statement in which a payment amount is associated with each of a plurality of transactions from a customer to a payee's account ,
From the transfer requester's terminal , a transfer destination account in which the recipient's account is specified, a transfer amount in which the total amount of the plurality of payment details is specified, and a setting that does not charge an exchange fee in advance in the account system Means for receiving transfer request data including a transfer requester code and detailed data including the plurality of payment details and storing them in a request data storage unit;
Based on the transfer request data and detailed data stored in the request data storage unit, the transfer requester account is the transfer source account, the intermediate account that is an account other than the recipient account is the transfer destination account, First transfer data not including the transfer requester code included in the transfer request data is created using the total amount of the plurality of payment details included in the transfer request data as the transfer amount, and the transfer request data includes the transfer request data The transfer requester code is included, the intermediate account is the transfer source account , the payee account included in the transfer request data is the transfer destination account, and any of the payment amounts in the plurality of payment details included in the specification data the transfer data of the payment details units and the transfer amount of money or, as the second transfer data to create attached to each of the plurality of payment, transfer data storage unit It means for storing,
It said first transfer data between the second transfer data read out from said transfer data storage unit, the transfer service system Ru and means for transmitting to the accounting system.   Based on the detailed data stored in the request data storage unit, the number of breakdowns included in the detailed data is compared with preset upper limit information, and information indicating that when the number of breakdowns exceeds the upper limit information. 2. The transfer service system according to claim 1, further comprising means for transmitting to the transfer requester's terminal.   2. The transfer service system according to claim 1, further comprising means for calculating a fee to be charged to the recipient in accordance with the number of breakdowns and / or the transfer amount included in the detailed data stored in the request data storage unit. . If the transfer client code associated with the account of the transfer client and the transfer client code included in the transfer client data is set to charge the exchange fee in advance, the exchange fee is charged for the transfer process. In the case of a transfer requester code that is set not to charge the exchange fee in advance, each of the account system that does not charge the exchange fee for the transfer process , the transfer requester's terminal, and the recipient's terminal connected, a transfer service system for executing a plurality of transfer processing to the payee's account from the remittance's account to the,
From the transfer requester's terminal , a transfer destination account in which the payee's account is designated, a transfer amount in any of the plurality of transfer processes, and a setting not to charge an exchange fee in advance in the account system are made. Means for receiving transfer request data including the transfer requester code for each of the plurality of transfer processes, and storing it in a request data storage unit;
Means for storing a plurality of transfer request data stored in the request data storage unit in the transfer data storage unit as a plurality of transfer data;
Means for reading the plurality of transfer data from the transfer data storage unit and transmitting to the account system;
From the transfer data storage unit, extract all transfer data in which a transfer source account is the account of the transfer requester and a transfer destination account is the account of the recipient within a predetermined period, Add the transfer amount included in the transfer data, calculate the exchange fee according to the total added transfer amount, and create account transfer data to deduct the exchange fee from the transfer requester's account in the account system Means for storing in the account transfer data storage unit;
A transfer service system comprising: means for reading the account transfer data stored in the account transfer data storage unit and transmitting it to the account system. In response to a request transmitted from the terminal of the transfer requester, transfer request data stored in the request data storage unit for displaying display data for displaying the transfer details for the same recipient within a preset period, or 5. The transfer service system according to claim 4 , further comprising means for generating the data based on the transfer data stored in the transfer data storage unit and transmitting it to the terminal of the transfer requester. Fees charged to payees from the transfer data storage unit according to the number and / or transfer amount of all transfer data transferred from the same transfer requester to the same payee's account within a predetermined period 5. The transfer service system according to claim 4 , further comprising means for calculating. If the transfer requester code included in the transfer requester data is a transfer requester code that has been set in advance to charge an exchange fee, the exchange fee is charged for the transfer process, and no exchange fee is charged in advance. If of been transfer requester code, transfer and accounting system that does not charge the exchange fee for the transfer process, and transfer requester terminal, the transfer service system that is connected to each of the recipient's terminal A transfer processing method for executing a transfer process in a payment statement in which a payment amount is associated with each of a plurality of transactions from a client account to a receiver account ,
The transfer service system receives a foreign exchange fee from the transfer requester's terminal in advance in the transfer destination account in which the recipient's account is specified, the transfer amount in which the total amount of the plurality of payment details is specified, and the account system. Receiving transfer request data including a transfer requester code set not to charge and detailed data including the plurality of payment details, and storing the received request data in a request data storage unit;
Based on the transfer request data and detail data stored in the request data storage unit, the transfer service system uses the transfer requester's account as a transfer source account, and an intermediate account that is an account other than the recipient's account Create a first transfer data that does not include the transfer requester code included in the transfer request data, using the transfer account as a transfer account, the total amount of the plurality of payment details included in the transfer request data as the transfer amount, and the transfer The transfer requester code included in the request data, the intermediate account as the transfer source account, the recipient account included in the transfer request data as the transfer destination account, and the plurality of payments included in the detailed data the transfer data of the payment details units and the amount of transfer any of the payment amount in the specification, and the second transfer data attached to each of the plurality of payment A step of creating, storing the transfer data storage unit Te,
The transfer service system includes a step of reading the first transfer data and the second transfer data from the transfer data storage unit and transmitting them to the billing system.
Transfer processing how. If the transfer client code associated with the account of the transfer client and the transfer client code included in the transfer client data is set to charge the exchange fee in advance, the exchange fee is charged for the transfer process. In the case of a transfer requester code that is set not to charge the exchange fee in advance, each of the account system that does not charge the exchange fee for the transfer process , the transfer requester's terminal, and the recipient's terminal from said transfer request's account by the connected transfer service system a transfer processing method for executing a plurality of transfer processing to the payee's account and,
The transfer service system, from the transfer requester's terminal , the transfer destination account in which the recipient's account is designated, the transfer amount in any of the plurality of transfer processes, and the exchange fee in advance in the account system. Receiving transfer request data including the transfer requester code that has been set not to be charged for each of the plurality of transfer processes, and storing it in the request data storage unit;
The transfer service system stores a plurality of transfer request data stored in the request data storage unit in the transfer data storage unit as a plurality of transfer data;
The transfer service system reads the plurality of transfer data from the transfer data storage unit, and transmits to the account system,
The transfer service system extracts, from the transfer data storage unit, all transfer data in which a transfer source account is the account of the transfer requester and a transfer destination account is the account of the recipient within a predetermined period. In order to add the transfer amount included in all the transfer data, calculate the exchange fee according to the added total transfer amount, and withdraw the exchange fee from the account of the transfer requester in the account system Creating a direct debit data and storing it in the debit data storage,
The transfer service system comprises a step of reading the account transfer data stored in the account transfer data storage unit and transmitting it to the account system.

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