JP4783528B2 - Fund separation management method and fund separation management system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a fund separation management method and a fund separation management system.
[0002]
[Prior art]
For merchandise sales transactions, the mainstream is a bilateral transaction between the seller and the buyer, and the transaction price is also settled between the two parties.
[0003]
On the other hand, a processor or the like may enter during the transaction between the two parties to add value to the seller's product. In that case, the transaction is between the seller, the processor, etc. and the buyer, and the transaction price is also settled between the three parties.
[0004]
In the following, an ordinary transaction between three parties and settlement of the price will be described with reference to FIG.
[0005]
In the three-party transaction, the following is a discussion between the seller, the processor, etc., and the buyer, who are located in the middle of the transaction. That is to say.
[0006]
In step 101, the beneficiary sells the product to the consignor. In step 102, the consignor processes the product purchased from the beneficiary, adds value, and sells the final product after processing to the fund payer. In step 103, the fund payer pays the purchase price of the final product to the consignor. Then, in step 104, the consignor subtracts the price related to his / her processing etc. from the final product purchase price received from the fund payer, and pays the balance as the product purchase price purchased from the beneficiary.
[0007]
In this case, the fund payer pays the consignor the final product purchase price including the product price of the beneficiary. In other words, the entire transaction price between the three parties is once deposited into the bank account of the consignor, and after the final product purchase price is paid from the fund payer to the consignor, the product purchase from the consignor to the beneficiary Prior to payment, there may be a situation in which the purchase price is not settled from the consignor to the beneficiary due to a procedure error such as diversion of funds or incorrect remittance by the consignor.
[0008]
In addition, in order to avoid such a situation, beneficiaries and fund payers may not allow a trustee with low creditworthiness to participate in the transaction as a processor, etc. There is a problem that it cannot participate in itself.
[0009]
[Problems to be solved by the invention]
In order to prevent the above situation from occurring, the present invention uses a contract such as a non-benefits trust contract to electronically connect the trustee's system and the trustee's system, thereby enabling the beneficiary to smoothly and reliably. It is an object of the present invention to provide a fund separation management method and a fund separation management trustee system for executing settlement.
[0010]
[Means for Solving the Problems]
One fund separation management method of the present invention that achieves the above object includes a step in which the trustee server receives the deposit data, a step in which the trustee server receives the transfer instruction data from the consignor terminal or the instructor terminal, A beneficiary is determined from the received data and transfer instruction data received by the certificate server, and a transfer data for the determined beneficiary is created, and a transfer is instructed based on the transfer data. .
[0011]
According to such a configuration, the contractor's system and the trustee's system are electronically connected using a contract such as a trust beneficiary trust contract, and the settlement to the beneficiary is executed smoothly and reliably. Can do.
[0012]
Also, one fund separation management method of the present invention that achieves the above object includes a step in which the trustee server receives the deposit data, a step in which the trustee server receives the transfer instruction data from the trustee terminal, and a trustee server Receiving transfer instruction data from the instructor terminal, checking whether the transfer instruction data received by the trustee server from the entrustor terminal matches the transfer instruction data received from the instructor terminal, and the trustee server Has the steps of determining a beneficiary from the received payment data and transfer instruction data, creating transfer data for the confirmed beneficiary, and instructing transfer based on the transfer data.
[0013]
According to such a configuration, transfer remittance is performed based on transfer instruction data from both the consignor and the instructor, and further reliable transfer can be performed.
[0014]
The trustee server may further include a step of receiving deposit schedule data from the trustee terminal, and a step of checking by the trustee server whether the received deposit schedule data matches the deposit data.
[0015]
Moreover, you may further have a step which transmits transfer data to the beneficiary terminal of the confirmed beneficiary and collates transfer data with the beneficiary terminal. Thereby, the transfer amount and the transfer account can be confirmed to the beneficiary before the transfer is executed, and further reliable transfer can be performed.
[0016]
Moreover, you may further have the step which transmits the transfer data with respect to the confirmed beneficiary to a checker terminal, and collates transfer data between checker terminals. Thereby, the transfer amount and the transfer account can be confirmed with the confirmer before the transfer is executed, and the transfer can be executed more reliably.
[0017]
In addition, one fund separation management system of the present invention that achieves the above object determines a beneficiary from means for receiving payment data, means for receiving transfer instruction data, and the received payment data and transfer instruction data. And means for generating transfer data for the confirmed beneficiary and means for instructing transfer based on the transfer data.
[0018]
According to such a configuration, it is possible to execute settlement to the beneficiary smoothly and surely using a contract such as a trust benefit contract.
[0019]
Also, the means for receiving the transfer instruction data from the entrustor terminal, the means for receiving the transfer instruction data from the instructor terminal, and the transfer instruction data received from the entrustor terminal and the transfer instruction data received from the instructor terminal match. And a means for collating. Thereby, based on the transfer instruction data from the consignor and the instructor, transfer remittance is performed, and further reliable transfer can be performed.
[0020]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to FIGS.
[0021]
The trustee opens a specific account. An example of a specific account is a trust account. The consignor also concludes a specific contract with the trustee. An example of a specific contract is a mutual interest trust contract.
[0022]
In this embodiment, the trustee is a financial institution, and the consignor concludes a mutual interest trust contract with the financial institution that is the trustee, and this financial institution opens a trust account. Based on the other interest trust agreement, the consignor is not allowed to freely withdraw or withdraw money from the other interest trust account.
[0023]
FIG. 2 is a diagram showing an example of the overall configuration of the fund classification management system according to the embodiment of the present invention. As shown in FIG. 2, a trustee server 2, a trustee terminal 3, a beneficiary terminal 4, a checker terminal 6, and an instructor terminal 7 that operate this fund separation management system are connected via a network 1. The trustee server 2 and the financial institution server 5 are connected via a LAN 8.
[0024]
In the present embodiment, the connection between the trustee server 2 and the financial institution server 5 is a LAN 8 connection, but is not necessarily limited to this.
[0025]
FIG. 3 is a diagram illustrating an example of the configuration of the trustee server 2. As shown in FIG. 2, a CPU 21 that executes the fund separation management process, a memory 22, an interface 23 that transmits and receives information via the network 1 and the LAN 8, an input unit 24, and an output unit 26, respectively. They are connected by a bus 25.
[0026]
(First embodiment)
FIG. 4 is a sequence diagram showing an example of the operation of the fund classification management system according to the present embodiment. In step S 1, deposit schedule data A is transmitted from the consignor terminal 3 to the trustee server 2 via the network 1. In the trustee server 2, the CPU 21 controls the memory 22 and the interface 23, and stores the payment schedule data A received from the interface 23 in the memory 22. FIG. 5 shows an example of deposit schedule data A. In the payment schedule data A, there are a transfer amount A1 indicating a scheduled payment amount, a transfer person A2 indicating who is transferred from, a transfer date A3 indicating a day when the transfer is executed, and a transfer account A4 indicating a transfer account. include.
[0027]
In step S2 of FIG. 4, the deposit data B for notifying the deposit to the account is transmitted from the financial institution server 5 to the trustee server 2 via the LAN 8. The trustee server 2 receives the deposit data B at the interface 23. FIG. 6 shows an example of the deposit data B. The deposit data B includes a deposit amount B1, a transfer person B2, a deposit date B3, and a transfer account B4.
In step S <b> 3 of FIG. 4, the CPU 21 of the trustee server 2 reads the deposit schedule data A stored in the memory 22. Then, the transfer amount A1, the transfer person A2, the transfer date A3, the transfer account A4, which are the respective items of the payment schedule data A, and the payment amount B1, the transfer person B2 which are the respective items of the payment data B received in step S2. Check whether the payment date B3 and the transfer account B4 match each other. If they match, the deposit data B is stored in the memory 22. When there is a discrepancy between the deposit schedule data A and the deposit data B, the trustee server 2 notifies the entrustor terminal 3 that a mismatch has occurred and requests transmission of new deposit schedule data A. .
Next, in step S4 of FIG. 4, transfer instruction data C is transmitted from the consignor terminal 3 to the trustee server 2 via the network 1. The trustee server 2 receives the transfer instruction data C from the interface 23. FIG. 7 shows an example of the transfer instruction data C. The transfer instruction data C includes a transfer amount C1 indicating the transfer amount, a transfer destination C2 indicating the beneficiary that is the transfer destination, a transfer date C3 indicating the transfer execution date, and a transfer account C4 indicating the transfer remittance receipt account of the beneficiary. It is.
[0028]
In step S5 of FIG. 4, the trustee server 2 determines the beneficiary that is the destination of the transfer remittance based on the transfer destination C2 included in the received transfer instruction data C, and transfers the transfer to the confirmed beneficiary. Data D is generated.
[0029]
The operation of the trustee server 2 to determine the beneficiary will be described with reference to FIG. In the memory 22 of the beneficiary server 2, beneficiary data is registered and stored in advance for each consignor. The registration of the beneficiary data in the memory 22 may be input using the input unit 24 of the beneficiary server 2 or may be imported from the consignor terminal 3 as data through the interface 23 via the network 1.
[0030]
When the beneficiary server 2 receives the transfer instruction data C from the interface 23 in step S11, the CPU 21 reads the beneficiary data stored in the memory 22 in step S12. Next, in step S13, the read beneficiary data is compared with the transfer destination C2 included in the received transfer instruction data C. In step S14, if there is a transfer destination C2 in the beneficiary data, the transfer destination C2 is determined as the beneficiary. On the other hand, if the transfer destination C2 does not exist in the beneficiary data, the beneficiary server 2 notifies the consignor terminal 3 that the beneficiary cannot be determined, and sends a new transfer instruction data C. Request.
[0031]
In step S5 of FIG. 4, after confirming the beneficiary, transfer data D is generated. FIG. 9 shows an example of the transfer data D. The transfer data D includes a transfer amount D1, a beneficiary transfer destination D2, a transfer date D3, and a transfer account D4.
[0032]
In generating the transfer data D, first, the CPU 21 of the trustee server 2 reads the deposit amount B1 of the deposit data B having the same deposit date as the deposit date C3 of the transfer instruction data C from the memory 22. Then, the transfer amount C1 of the transfer instruction data C (if there are multiple transfer instruction data on the same transfer date, the total amount of transfer amounts of all transfer instruction data on the same transfer date) is compared with the read deposit amount B1 If the deposit amount B1 is greater than or equal to the deposit amount C1, the transfer data D is generated. On the other hand, when the deposit amount B1 is smaller, it is determined that the transfer cannot be performed, the transferor terminal 3 is notified that the transfer cannot be performed, and the transfer instruction data C is requested to be retransmitted.
[0033]
The transfer data D is generated by converting the transfer amount C1, the transfer destination C2, the transfer date C3, and the transfer account C4 of the transfer instruction data C into the transfer amount D1, the transfer destination D2, the transfer date D3, and the transfer account D4, respectively. Is generated.
[0034]
In step 6 of FIG. 4, the transfer data D for the beneficiary is transmitted from the interface 23 of the trustee server 2 to the beneficiary terminal 4 of the beneficiary determined in step S5 via the network 1, and the beneficiary terminal 4 The transfer data D is collated with. When the transfer data D received by the beneficiary terminal 4 is confirmed to be correct, the trustee server 2 is informed that the verification is correct, and if the transfer data D is determined to be incorrect, it is not verified. If the notification that the verification is made from the beneficiary terminal 4 is received, in step S7, the transfer data D is transmitted from the interface 23 of the trustee server 2 to the financial institution server 5 via the LAN 8, and the transfer to the beneficiary is executed. Is instructed.
[0035]
In the above embodiment, in step S6, the transfer data D is transmitted to the beneficiary terminal 4 and the beneficiary is requested to confirm the transfer contents before executing the transfer, but the transfer is not requested from the beneficiary to confirm the transfer contents. May be instructed to execute. In this case, after confirming the beneficiary in step 5 and generating the transfer data D, the process proceeds to step 7 and step 6 is omitted.
[0036]
In the present embodiment, the consignor terminal 3 transmits the deposit schedule data A and the transfer instruction data C to the trustee server 2 via the network 1, and the trustee server receives these data from the interface 23. However, it is not necessarily limited to this. The consignor may notify the trustee of the deposit schedule data A and the transfer instruction data C using means such as Fax, and the trustee may input these data using the input unit 24 of the trustee server 2. .
[0037]
In this embodiment, the financial institution server 5 transmits the deposit data B to the trustee server 2 via the LAN 8, and the trustee server 2 receives the deposit data B from the interface 23. It is not necessarily limited to this. The financial institution may notify the deposit data B using a means such as Fax, and the trustee may input these data using the input unit 24 of the trustee server 2.
[0038]
In the present embodiment, the trustee server 2 is configured to transmit the transfer data D to the beneficiary terminal 4 via the network 1, but is not necessarily limited thereto. The transfer data D may be output from the output unit 26 of the trustee server 2 and the transfer data D may be notified to the beneficiary using means such as Fax.
[0039]
In the present embodiment, the trustee server 2 is configured to transmit the transfer data D to the financial institution server 5 via the LAN 8, but this is not necessarily limited thereto. The transfer data D may be output from the output unit 26 of the trustee server 2, and the transfer data D may be notified to the financial institution using means such as Fax.
[0040]
(Second Embodiment)
This embodiment is a modification of the first embodiment. FIG. 10 is a sequence diagram showing an example of the operation of the fund classification management system according to the present embodiment. Parts common to the first embodiment are denoted by the same reference numerals as in FIG. The difference from the first embodiment is that after confirming the beneficiary and generating the transfer data D in step S5, the transfer data D is transmitted to the checker terminal 6 instead of the beneficiary terminal 4 in step S21. The confirmation person is requested to confirm the contents of the transfer data D. Since other points are common to the first embodiment, detailed description thereof is omitted.
[0041]
In step S <b> 21, the trustee server 2 transmits the transfer data D to the checker terminal 6. The confirmer is a third party other than a consignor or beneficiary such as an audit corporation or an information company, and verifies the validity of the transfer data D from a third party standpoint. When it is confirmed that the transfer data D received by the confirmer terminal 6 is valid, it is confirmed by the trustee server 2 and when it is not confirmed, the trustee server 2 is notified that it has not been confirmed. If a confirmation message is received from the confirmer terminal 6, the transfer data D is transmitted from the trustee server 2 to the financial institution server 5 in step S 7, instructing the beneficiary to execute the transfer remittance.
[0042]
In the present embodiment, the trustee server 2 is configured to transmit the transfer data D to the checker terminal 6 via the network 1, but is not necessarily limited thereto. The transfer data D may be output from the output unit 26 of the trustee server 2, and the transfer data D may be notified to the confirmer using a means such as Fax.
[0043]
(Third embodiment)
This embodiment is a modification of the first embodiment. FIG. 11 is a sequence diagram showing an example of the operation of the fund classification management system according to the present embodiment. Parts common to the first embodiment are denoted by the same reference numerals as in FIG. The difference from the first embodiment is that the deposit scheduled data A and the deposit data B are collated in step S3, and then, in step S31, the contract is received from the instructor terminal 7 instead of from the consignor terminal 3. The transfer instruction data C is transmitted to the person server 2. Since other points are common to the first embodiment, detailed description thereof is omitted. The instructor is a third party other than the consignor or beneficiary, and is an audit corporation or an information company. The trustee server 2 that has received the transfer instruction data C confirms the beneficiary and generates the transfer data in step S5, and thereafter performs the same operations as in steps S6 and S7 in FIG.
[0044]
Even in the above embodiment, in step S6, the transfer data D is transmitted to the beneficiary terminal 5 and the beneficiary is requested to confirm the transfer contents before the instruction to execute the transfer, but the beneficiary is not requested to confirm the transfer contents. It may be an action. In this case, after confirming the beneficiary in step S5 and generating the transfer data D, the process proceeds to step S7, thereby omitting step S6.
[0045]
In the present embodiment, the instructor terminal 7 transmits the transfer instruction data C to the trustee server 2 via the network 1, and the trustee server 2 receives data from the interface 23. It is not limited. The instructor may notify the trustee of the transfer instruction data C using means such as Fax, and the trustee may input the transfer instruction data C using the input unit 24 of the trustee server 2.
[0046]
(Fourth embodiment)
This embodiment is a modification of the third embodiment. FIG. 12 is a sequence diagram showing an example of the operation of the fund classification management system according to the present embodiment. Parts common to the third embodiment are denoted by the same reference numerals as in FIG. The difference from the third embodiment is that after confirming the beneficiary and generating the transfer data D in step S5, the transfer data D is transmitted to the checker terminal 6 instead of the beneficiary terminal 4 in step S41. The confirmation person is requested to confirm the contents of the transfer data D. Since other points are common to the third embodiment, detailed description thereof is omitted.
[0047]
In step S <b> 41, the trustee server 2 transmits the transfer data D to the checker terminal 6. The confirmer is a third party other than a consignor or beneficiary such as an audit corporation or an information company, and verifies the validity of the transfer data D from a third party standpoint. When it is confirmed that the transfer data D received by the confirmer terminal 6 is valid, it is confirmed by the trustee server 2 and when it is not confirmed, the trustee server 2 is notified that it has not been confirmed. If a confirmation message is received from the confirmer terminal 6, the transfer data D is transmitted from the trustee server 2 to the financial institution server 5 in step S 7, instructing the beneficiary to execute the transfer remittance.
[0048]
In the present embodiment, the trustee server 2 is configured to transmit the transfer data D to the checker terminal 6 via the network 1, but is not necessarily limited thereto. The transfer data D may be output from the output unit 26 of the trustee server 2, and the transfer data D may be notified to the confirmer using a means such as Fax.
[0049]
(Fifth embodiment)
This embodiment is a modification of the first embodiment. FIG. 13 is a sequence diagram showing an example of the operation of the fund classification management system according to the present embodiment. Parts common to the first embodiment are denoted by the same reference numerals as in FIG. The difference from the first embodiment is that after the transfer instruction data C is transmitted from the consignor terminal 3 to the trustee server 2 in step S4, the instructor terminal 7 of the instructor is transferred to the trustee server 2 in step S51. Further, the transfer instruction data C is transmitted, and in step S52, the trustee server 2 verifies whether the transfer instruction data C received from the consignor terminal 3 and the transfer instruction data C received from the instructor terminal 7 match. Is a point. Since other points are common to the first embodiment, detailed description thereof is omitted. The instructor is a third party other than the consignor or beneficiary, and is an audit corporation or an information company.
[0050]
In step S4 and step S51, the transfer instruction data C is transmitted to the trustee server 2 not only from the consignor terminal 3 but also from the instructor terminal 7, and in step S52 it is verified whether the respective transfer instruction data C match. By doing so, the reliability of the transfer instruction data can be improved. If the two transfer instruction data C match, the process proceeds to step S5. If the transfer instruction data C does not match, the entrustor terminal 3 and the instructor terminal 7 are notified of the mismatch. Regarding the order of step S4 and step S51, whichever may be the first.
[0051]
Even in the above embodiment, in step S6, the transfer data D is transmitted to the beneficiary terminal 5 and the beneficiary is requested to confirm the transfer contents before the instruction to execute the transfer, but the beneficiary is not requested to confirm the transfer contents. It may be an action. In this case, after confirming the beneficiary in step 5 and generating the transfer data D, the process proceeds to step 7 and step 6 is omitted.
[0052]
In this embodiment, the instructor terminal 7 transmits the transfer instruction data C to the trustee server 2 via the network 1, and the trustee server 2 is configured to receive these data from the interface 23. It is not necessarily limited to this. The instructor may notify the trustee of the transfer instruction data C using means such as Fax, and the trustee may input these data using the input unit 24 of the trustee server 2.
[0053]
(Sixth embodiment)
This embodiment is a modification of the fifth embodiment. FIG. 14 is a sequence diagram showing an example of the operation of the fund classification management system according to the present embodiment. Portions common to the fifth embodiment are denoted by the same reference numerals as in FIG. The difference from the fifth embodiment is that after confirming the beneficiary and generating the transfer data D in step S5, the transfer data is transmitted to the checker terminal 6 instead of the beneficiary terminal 4 in step S61. The point is to ask the confirmer to confirm the contents of the transfer data D. Since other points are common to the fifth embodiment, detailed description thereof is omitted.
[0054]
In step S <b> 61, the trustee server 2 transmits the transfer data D to the checker terminal 6. The confirmer is a third party other than a consignor or beneficiary such as an audit corporation or an information company, and verifies the validity of the transfer data D from a third party standpoint. When it is confirmed that the transfer data D received by the confirmer terminal 6 is valid, it is confirmed by the trustee server 2 and when it is not confirmed, the trustee server 2 is notified that it has not been confirmed. If a confirmation message is received from the confirmer terminal 6, the transfer data D is transmitted from the trustee server 2 to the financial institution server 5 in step S 7, instructing the beneficiary to execute the transfer remittance.
[0055]
In the present embodiment, the trustee server 2 is configured to transmit the transfer data D to the checker terminal 6 via the network 1, but is not necessarily limited thereto. The transfer data D may be output from the output unit 26 of the trustee server 2, and the transfer data D may be notified to the confirmer using a means such as Fax.
[0056]
【The invention's effect】
As described above in detail, according to the present invention, there is provided a fund separation management method and a fund separation management system capable of executing settlement to beneficiaries smoothly and reliably using contracts such as other interest trust contracts. .
[Brief description of the drawings]
FIG. 1 is a sequence diagram showing a conventional transaction between three parties and settlement of a price.
FIG. 2 is a diagram showing an example of the overall configuration of a fund classification management system according to an embodiment of the present invention.
FIG. 3 is a diagram showing an example of a configuration of a trustee server according to the embodiment of the present invention.
FIG. 4 is a sequence diagram showing an example of the operation of the fund classification management system according to the first embodiment of the present invention.
FIG. 5 is a diagram showing deposit schedule data A;
6 is a diagram showing deposit data B. FIG.
FIG. 7 is a diagram showing transfer instruction data C;
FIG. 8 is a flowchart showing an example of an operation in which a trustee server according to the embodiment determines a beneficiary.
FIG. 9 is a diagram showing transfer data D;
FIG. 10 is a sequence diagram showing an example of the operation of the fund classification management system according to the second embodiment of the present invention.
FIG. 11 is a sequence diagram showing an example of the operation of the fund classification management system according to the third embodiment of the present invention.
FIG. 12 is a sequence diagram showing an example of the operation of the fund classification management system according to the fourth embodiment of the present invention.
FIG. 13 is a sequence diagram showing an example of the operation of the fund classification management system according to the fifth embodiment of the present invention.
FIG. 14 is a sequence diagram showing an example of the operation of the fund classification management system according to the sixth embodiment of the present invention.
[Explanation of symbols]
A ... Deposit payment data B ... Deposit data C ... Transfer instruction data D ... Transfer data 1 ... Network 2 ... Trustee server 3 ... Trustee terminal 4 ... Beneficiary terminal 5 ... Financial institution server 6 ... Confirmer terminal 7 ... Instructor Terminal 21 ... CPU
22 ... Memory 23 ... Interface 24 ... Input unit 25 ... Bus

Claims (7)

A step in which a trustee server receives payment schedule data from a trustee terminal via a network, the payment schedule data including an amount, a transfer person, and a transfer date ;
The trustee server receiving payment data from a financial institution server via a network, the payment data including an amount, a transfer person, and a payment date;
The trustee server determines whether or not the received payment schedule data and the received data match, and if it is determined to match, storing the received data in a memory ; and
The trustee server receiving first transfer instruction data from the trustee terminal via a network , wherein the first transfer instruction data includes an amount, a transfer destination, and a transfer date ;
The trustee server receiving second transfer instruction data from an instructor terminal via a network, wherein the second transfer instruction data includes an amount, a transfer destination, and a transfer date;
The trustee server determining whether or not the received first transfer instruction data and the received second transfer instruction data match;
When the trustee server determines in the step that the first transfer instruction data and the second transfer instruction data match, the trustee server includes the beneficiary data stored in advance in the memory. Determining whether there is a transfer destination that matches the transfer destination included in the transfer instruction data, and if there is a matching transfer destination, confirming the transfer destination as a beneficiary; ,
The trustee server reads out the amount of payment data having the same payment date as the transfer date included in the transfer instruction data from the payment data stored in the memory, compares it with the amount of the transfer instruction data, If the amount of the transfer instruction data does not exceed the amount of the read deposit data, the trustee server generates transfer data for the confirmed beneficiary based on the matched transfer instruction data;
The trustee server transmitting the generated transfer data to the financial institution server via a network;
A fund separation management method comprising: The step of transmitting the transfer data to the financial institution server is such that the trustee server transmits the generated transfer data to a checker terminal via a network, and the trustee server is connected from the checker terminal. The fund classification management method according to claim 1, which is executed after receiving a notification that the confirmation has been made via a network. In the step of transmitting the transfer data to the financial institution server, the trustee server transmits the generated transfer data to the beneficiary terminal of the confirmed beneficiary via a network, and the trustee server 3. The fund classification management method according to claim 1, which is executed after receiving a notification that the confirmation has been made from the beneficiary terminal via the network. A fund separation management system in which a trustee server is connected to a trustee terminal, a financial institution server, and an instructor terminal via a network,
Means for the trustee server to receive payment schedule data from the trustee terminal, wherein the payment schedule data includes an amount, a transfer person, and a transfer date;
  Means for the depositor server to receive deposit data from the financial institution server, wherein the deposit data includes an amount, a transfer person, and a deposit date;
  The trustee server determines whether or not the received payment schedule data and the received data match, and if determined to match, means for storing the received data in a memory;
  Means for the trustee server to receive first transfer instruction data from the trustee terminal, wherein the first transfer instruction data includes an amount, a transfer destination and a transfer date;
  Means for the trustee server to receive second transfer instruction data from the instructor terminal, wherein the second transfer instruction data includes an amount, a transfer destination and a transfer date;
  Means for the trustee server to determine whether or not the received first transfer instruction data matches the received second transfer instruction data;
When the trustee server determines by the means that the first transfer instruction data and the second transfer instruction data match, the trustee server includes the beneficiary data stored in the memory in advance. Means for determining whether or not there is a transfer destination that matches the transfer destination included in the transfer instruction data, and if there is a matching transfer destination, means for determining the transfer destination as a beneficiary; ,
The trustee server reads out the amount of payment data having the same payment date as the transfer date included in the transfer instruction data from the payment data stored in the memory, compares it with the amount of the transfer instruction data, and If the amount of the transfer instruction data does not exceed the amount of the read deposit data, the trustee server generates transfer data for the confirmed beneficiary based on the matched transfer instruction data;
  Means for the trustee server to transmit the generated transfer data to the financial institution server;
Fund separation management system comprising. The means for transmitting the transfer data to the financial institution server is such that the trustee server transmits the generated transfer data to a checker terminal via a network, and the trustee server is connected from the checker terminal. The fund classification management system according to claim 4, which is executed after receiving the confirmation that the confirmation has been made via the network. The means for transmitting the transfer data to the financial institution server is such that the trustee server transmits the generated transfer data to the beneficiary terminal of the confirmed beneficiary via a network, and the trustee server The fund separation management system according to any one of claims 4 and 5, which is executed after receiving a notification that the message has been confirmed from the beneficiary terminal via a network. A trustee server connected to a trustee terminal, a financial institution server, and an instructor terminal via a network,
Means for receiving payment schedule data from the consignor terminal, wherein the payment schedule data includes an amount, a transfer person, and a transfer date;
  Means for receiving payment data from the financial institution server, wherein the payment data includes an amount, a transfer person and a payment date;
  Determining whether the received payment schedule data and the received data match, and if determined to match, means for storing the received data in a memory;
  Means for receiving first transfer instruction data from the entrustor terminal, wherein the first transfer instruction data includes an amount, a transfer destination, and a transfer date;
  Means for receiving second transfer instruction data from the instructor terminal, wherein the second transfer instruction data includes an amount, a transfer destination, and a transfer date;
  Means for determining whether or not the received first transfer instruction data matches the received second transfer instruction data;
If it is determined by the means that the first transfer instruction data and the second transfer instruction data are the same, the transfer instruction data included in the beneficiary data stored in advance in the memory is included in the transfer instruction data. Means for determining whether or not there is a transfer destination that matches the transfer destination, and if there is a transfer destination that matches, a means for determining the transfer destination as a beneficiary;
From the payment data stored in the memory, the amount of the payment data having the same payment date as the transfer date included in the transfer instruction data is read and compared with the amount of the transfer instruction data, and the amount of the transfer instruction data is Means for generating transfer data for the confirmed beneficiary based on the matched transfer instruction data if it does not exceed the amount of the read deposit data;
  Means for transmitting the generated transfer data to the financial institution server;
Fund separation management system comprising.

Images