JP4887562B2 - Transaction processing system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a system that performs various transaction processing using a deposit account established in, for example, a bank, a post office, and the like, and in particular, a withdrawal process for deducting utility charges, credit card usage charges, etc. from a deposit account, or an annuity, The present invention relates to a transaction processing system including deposit / transfer processing for transferring salary, scholarships, etc. to a deposit account.
[0002]
[Prior art]
Generally, in a deposit system, a bank account and a seal are prepared for one deposit account, and an account number is assigned to open a deposit account. The customer uses and manages the deposit account using a passbook, a seal, and an account number. In other words, the customer uses the passbook, seal, and account number to provide transaction services (such as deposits, withdrawals, transfers, withdrawals, etc.) between the deposit account and the customer (the transaction requester for the deposit account). It is used and managed.
[0003]
One method of using a customer's deposit account (transaction service using a deposit account) is a withdrawal service. When this withdrawal service is used, the customer can pay the price indirectly through the bank by opening one deposit account in the bank or the like and designating the deposit account as the withdrawal destination.
For example, when paying utility bills, rent, credit card usage fees, etc. by debiting from a bank deposit account, the customer sends the account number of the deposit account to be debited to the business partner (withdrawal request source) Notify the registered seal stamp of the deposit account by mail.
[0004]
When the bank is notified of the account number and seal by the customer, the bank confirms that the notified seal matches the seal stamp registered in advance for the deposit account with the reported account number. The customer is then allowed to withdraw from the customer's deposit account. After the permission, it becomes possible to actually transfer cash from the customer's deposit account to the customer in response to a withdrawal request from the customer.
[0005]
When such a withdrawal service is used, payments that occur periodically are automatically made, and the customer is relieved from troublesome work such as transfer to a business partner. In addition, the customer can manage payment by referring to the record of expenditure entered in the passbook. That is, the passbook can be used instead of the household account book.
[0006]
In particular, in recent years, payment of various charges such as electricity bills, gas bills, water bills, telephone bills, credit card usage fees, rents, etc. has been often completed by bank withdrawal. With the payment of charges by bank withdrawal, there is no need to carry and transfer large amounts of cash to the customer's payment window or the bank's ATM (Automatic Tellers Machine). The withdrawal service is a very convenient service for the customer because the movement process to the business partner is automatically performed. Further, since the payment record related to the withdrawal service remains recorded in the passbook, the passbook can be used as a household account book, and the transaction information recorded in the passbook is useful for later balance management.
[0007]
[Problems to be solved by the invention]
However, customers can use many withdrawal services because of their convenience, designate one deposit account as the target of withdrawal from many withdrawal request sources, and withdraw requests from many different withdrawal request sources into one deposit account. If concentrated, the bankbook will not only withdraw information but also a lot of transaction information including deposit / transfer information and withdrawal information, and it will be very troublesome to manage transaction information using the bankbook. .
[0008]
Therefore, in order to avoid such trouble, the customer may open a plurality of deposit accounts and use different deposit accounts for each withdrawal request source and usage. In this case, since the passbook is separated for each withdrawal request source or for each use, the daily payment management becomes simple, and the history of withdrawals is distributed to multiple passbooks, so that the results of each passbook (transaction information) Can be easily viewed as a household account book.
[0009]
However, when managing multiple deposit accounts and managing deposits and withdrawals using multiple passbooks as described above, the customer always manages the deposit / withdrawal status of multiple deposit accounts, Inconvenience still remains for the customer because it becomes necessary to periodically perform a deposit process so that the balance is held.
In this case, it is inevitable that the inconvenience of the customer increases by handling a large number of bankbooks. In addition, in order to use a passbook instead of a household account book, it is necessary to frequently make entries for a large number of passbooks.
[0010]
In order to make a book at a bank, you have to carry your bankbook to the bank. However, usually, the passbook is filled with information that is not desired to be known to others (for example, payment information such as salary and deposit balance), and when carrying the passbook, there is a fear of loss or theft. In fact, there are cases where the bankbook is stolen and the imprint stamped on the bankbook is forged and the deposit balance is withdrawn. This is because in recent years, the printing technology of household printers has improved, and it has become possible to copy images in an ordinary household.
[0011]
On the other hand, as described above, prior to using the withdrawal service, the customer mails the account number of the deposit account and the seal of the registered seal to the third party (payment request source) in a sealed letter or the like. There is a need. For this reason, there is a possibility that the account number and the stamp are stolen during the notification destination or in the middle of mailing and used for illegal cash withdrawal.
[0012]
In addition, when changing the withdrawal target from the current deposit account to another deposit account, the conventional system notifies the customer (that is, the withdrawal request source) to that effect, and the account number of the changed deposit account And the registered seal stamp image must be notified again, which is troublesome for the customer. In particular, if you specify one deposit account as a withdrawal target for a number of different business partners and concentrate a large number of withdrawal requests on one deposit account, if you change the account as described above, that fact All customers must be notified, which is very troublesome for customers.
[0013]
In addition, when the fee to be paid to a certain business partner is split by multiple people and paid to the business partner by direct debit (for example, when the rent of a room rented by 3 people is split by 3 people) In the conventional system, one of a plurality of people inevitably needs to be a coordinator. In other words, one deposit account for withdrawal must be opened, and the coordinator must collect the split fee from the other members, and deposit the collected fee into the deposit account designated as the withdrawal target. For the manager (customer), the above-described work is troublesome and troublesome. In particular, when the payment as described above occurs regularly, the organizer must perform the above-described work periodically, which is very troublesome.
[0014]
In the above description, the problem when the customer uses the withdrawal service has been described. However, in the conventional system, when the transaction service other than the withdrawal service (for example, the deposit / transfer service) is used, the above-mentioned is almost the same as the above. There are similar issues.
In other words, when using various transaction services other than the withdrawal service, it goes without saying that the same problems as described above occur when handling a large number of passbooks or carrying a passbook for bookkeeping.
[0015]
In particular, if the customer (payment / transfer request source) uses a deposit / transfer service that transfers funds to a deposit account (account number) specified by the customer on a regular basis, When changing from a deposit account to another deposit account, in the conventional system, the account number of the changed deposit account must be notified to the business partner, which is troublesome for the customer. In particular, when a single deposit account is specified as a target for deposits / transfers from a number of different business partners and a large number of deposit / transfer requests are concentrated in a single deposit account, the above account changes are made. This must be notified to all business partners, which is extremely troublesome for customers.
[0016]
In addition, if the customer has a large number of deposit accounts as described above, the transfer process for each deposit account can be used to distribute the money transferred to one deposit account to other multiple deposit accounts. Must be done one by one, which is troublesome for customers. For example, when the price transferred to the deposit account is a salary (monthly salary, etc.), the transfer process as described above occurs periodically, which is extremely troublesome for the customer.
[0017]
The present invention was devised in view of such problems, and in the unlikely event that a registered seal stamp is stolen, misuse and fraud can be prevented, and withdrawal, payment / transfer, etc. An object of the present invention is to provide a transaction processing system that greatly improves the convenience of customers who use various transaction services.
[0018]
[Means for Solving the Problems]
  In order to achieve the above object, in the transaction processing system of the present invention, one or more deposit accounts and a virtual account dedicated to the transaction, which is a target of the transaction request, the account number of the one or more deposit accountsAny ofA virtual account to which a different account number is assigned is opened, and the virtual account and the one or more deposit accounts are determined based on the correspondence between the account number of the virtual account and the account number of the one or more deposit accounts. Corresponding associating means, and transfer means for transferring the transaction request for the virtual account to the transaction request for the one or more deposit accounts associated by the associating means when receiving a transaction request for the virtual account It is characterized by that. There are two or more deposit accounts associated with the virtual account by the association means, and the transfer means receives a withdrawal request for the virtual account as the transaction request, and a rule set in advance by a customer. Accordingly, when performing transaction processing according to the withdrawal request, the withdrawal amount from each deposit account may be determined according to a predetermined condition included in the rules. In this case, as the predetermined condition, the distribution ratio of the withdrawal amount to the two or more deposit accounts, the upper limit amount of withdrawal of each deposit account, the condition based on the date of occurrence of the withdrawal request, or each deposit account A condition based on the number of withdrawals from may be set.
[0019]
  At this time, the transaction request may be a withdrawal request for the virtual account.Yes.In addition, the virtual account has a function as a savings account, and when the transfer means receives the withdrawal request, a part of the balance existing in the one or more savings accounts according to a rule preset by a customer. After moving the account to the virtual account, the transaction processing may be performed according to the withdrawal request.Yes.
[0020]
  Further, the transaction request may be a deposit / transfer request for the virtual account.Yes.In addition, the virtual account has a function as a savings account, and when the transfer means receives the deposit / transfer request, the deposit / transfer amount accompanying the deposit / transfer request is temporarily stored in the virtual account. After that, the deposit / transfer amount may be transferred to the one or more deposit accounts according to a rule preset by the customer.Yes.
[0021]
  With the above-described configuration, the transaction processing system of the present invention.InIs a virtual account dedicated to transactions that is separate from the deposit account that is the subject of regular deposits and withdrawals, and the transaction request for this virtual account is a transaction request for the deposit account associated with the virtual account, It is automatically transferred by the transfer means.
[0022]
In particular, when the transaction request is a withdrawal request for a virtual account, a part of the balance existing in one or more deposit accounts is transferred to the virtual account according to a rule set in advance by the customer, and a withdrawal ( Transaction processing) is executed.
As a result, the customer, for the customer (withdrawal request source), the account number of a virtual account having a function as a savings account and a seal stamp image of the deposit account associated with the virtual account, or The withdrawal service can be received by notifying the virtual account image.
[0023]
At this time, the following actions (1) to (5) are obtained.
(1) The deposit account to be withdrawn is changed only by changing the deposit account associated with the virtual account by the associating means, and there is no need to make a change notification to the business partner (withdrawal request source).
(2) The transaction history for a virtual account is only related to withdrawal, and a bankbook dedicated to withdrawal can be created by printing out the transaction history using the function as a savings account.
[0024]
(3) The virtual account is for withdrawal only, and cash cannot be withdrawn from the virtual account using the stamp or the passbook created in item (2) above.
(4) During the procedures prior to withdrawal, there is no need to disclose the account number of the actual deposit account to a third party.
(5) Cash can be withdrawn from two or more deposit accounts according to the above rules. Further, according to the rule, when the balance of one deposit account to be withdrawn becomes 0 due to the withdrawal process, it is possible to set the withdrawal target to be switched to a reserve deposit account.
[0025]
On the other hand, if the transaction request is a deposit / transfer request for a virtual account, the deposit / transfer amount from the customer (payment / transfer request source) is temporarily stored in the virtual account and then preset by the customer. In accordance with the rules, the money is transferred to one or more deposit accounts, and payment / transfer (transaction processing) is executed in accordance with the deposit / transfer request.
[0026]
At this time, the following actions (6) to (10) are obtained.
(6) The deposit account for deposit / transfer is changed simply by changing the deposit account associated with the virtual account using the association means, and it is necessary to notify the customer (payment / transfer request source) of the change. Disappears.
(7) Transaction history for virtual accounts is only related to deposits / transfers. By printing out the transaction history using the function as a savings account, you can create a passbook dedicated to deposits / transfers. .
[0027]
(8) The virtual account is for deposit / transfer only, and it is not possible to withdraw cash from the virtual account using a stamp or the passbook created in item (7) above.
(9) During the procedures prior to deposit / transfer, there is no need to disclose the account number of the actual deposit account to a third party.
(10) Deposit / transfer amounts from business partners (payment / transfer requesters) can be distributed and transferred to two or more deposit accounts according to the above rules.
[0028]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the drawings.
[1] Description of the first embodiment
FIG. 1 is a block diagram showing the configuration of a transaction processing system as a first embodiment of the present invention. In the transaction processing system (bank system) 1A shown in FIG. 1, a transaction request is sent to a certain company P (see FIG. 3). ) Will be described. The company P here corresponds to the business partner, the transaction request source, the withdrawal request source, and the withdrawal source described above or later.
[0029]
As shown in FIG. 1, in the transaction processing system 1A, a debit-only virtual account 10 which is a target of a debit request from the company P and has a function as an ordinary deposit account, and a deposit account 20 of a customer X (see FIG. 3). Are established in advance, and are provided with association means 30, transfer means 40, history storage means 50, withdrawal-dedicated virtual account history database 60, and bookkeeping means 70. Here, the association means 30, the transfer means 40, and the history storage means 50 are realized as software by a computer (not shown) constituting a part of the transaction processing system 1A executing a predetermined program. Yes.
[0030]
  The associating means 30 uses the correspondence table (database) that holds the correspondence between the account number of the debit-only virtual account 10 and the account number of the deposit account 20, and uses the deduction-dedicated virtual account 10 and the deposit account (linked deposit account). ) 20. In the first embodiment, the debit-only virtual account 10 isAssume that the association means 30 associates only one deposit account 20. The association unit 30 may be configured to associate the withdrawal-dedicated virtual account 10 and the deposit account 20 using a predetermined numerical value conversion rule as will be described later.
[0031]
An example of the correspondence table is shown in FIG. In the example shown in FIG. 2A, the debit-only virtual account 10 with the account number “2000000001” opened at the branch with the store number “100” and the account number “1000000001” opened at the branch with the store number “200”. "Is associated with the deposit account 20". It is assumed that the additional information regarding this correspondence is not attached in the example shown in FIG. The additional information will be described later.
[0032]
When the transfer unit 40 receives the withdrawal request for the debit-only virtual account 10, the transfer unit 40 transfers the withdrawal request to a withdrawal request for the deposit account 20 associated by the association unit 30, and a part of the balance existing in the deposit account 20. Is transferred to the withdrawal-dedicated virtual account 10, and then transaction processing (withdrawal processing) corresponding to the withdrawal request is executed.
[0033]
The history storage means 50 uses the transaction information including the name of the company P (withdrawal source name) or the company identifier (withdrawal source identifier) and the withdrawal amount accompanying the withdrawal request as history information about the withdrawal-only virtual account 10 as a history database. Output to 60 and stored. The name or company identifier of company P here corresponds to the request source information or request source identifier of the transaction request. An example of history information of the debit-only virtual account 10 stored in the history database 60 is shown in FIG. The history information shown in FIG. 6 includes the withdrawal date, withdrawal face, withdrawal source name (company name), and withdrawal source contact information.
[0034]
The bookkeeping means 70 is actually constituted by a passbook bookkeeping machine or ATM installed at an automatic machine corner of a bank, etc., and the history of withdrawal information about the withdrawal-only virtual account 10 stored in the history database 60, This is printed out in a passbook (not shown) for the debit-only virtual account 10.
[0035]
Next, operation | movement of 1 A of transaction processing systems of 1st Embodiment comprised as mentioned above is demonstrated, referring FIG. 2 (A)-FIG.
3 is a diagram for explaining a procedure prior to the start of the withdrawal service in the first embodiment, and FIG. 4 is a flowchart for explaining a processing procedure at the start of the withdrawal service in the first embodiment (steps S1 to S5). FIG. 5 is a flow chart (steps S6 to S8) for explaining a procedure for bookkeeping in the passbook of the debit-only virtual account 10 in the first embodiment.
[0036]
With reference to FIG. 3, a procedure prior to the start of the withdrawal service in the first embodiment will be described.
First, the customer X goes to the branch of the store number “200” in the bank A and opens a deposit account 20 using a seal as before (see (1) in FIG. 3). At this time, the bank A issues a bank passbook (hereinafter simply referred to as a bankbook) showing a seal and assigns a new account number “1000000001” to the bank account 20. Thereafter, the bank A returns the seal to the customer X and hands over the newly created passbook for the deposit account 20 (see (2) in FIG. 3). Up to this point, the procedure is the same as the conventional deposit account opening procedure.
[0037]
Thereafter, the customer X opens a withdrawal-dedicated virtual account 10 at the branch of the store number “100” in the bank A (see (3) in FIG. 3). At this time, the bank A assigns a new account number “2000000001” to the debit-only virtual account 10 and creates a passbook for the debit-only virtual account 10.
Then, the customer X designates the deposit account 20 to be the link destination of the debit-only virtual account 10. At that time, the bank A confirms whether or not the designated deposit account 20 belongs to the customer X by using, for example, a registered seal stamp for the deposit account 20.
[0038]
When confirming that the deposit account 20 belongs to the customer X, the bank A stores and sets the correspondence between the debit-only virtual account 10 and the deposit account 20 in the correspondence table as shown in FIG. As a result, the deposit account 20 designated by the customer X is assigned as the link destination of the debit-only virtual account 10 (see (5) in FIG. 3). That is, by registering the correspondence relationship between the withdrawal-dedicated virtual account 10 and the deposit account 20 in the correspondence table, the withdrawal-dedicated virtual account 10 and the deposit account 20 are associated by the association unit 30. Finally, the bank A passes the bankbook of the debit-only virtual account 10 to the customer X (see (4) in FIG. 3), and ends the procedure for opening the debit-only virtual account 10.
[0039]
Next, in order to make an automatic withdrawal contract with the company P, the customer X gives the company P information about the withdrawal-dedicated virtual account 10, that is, the store number “100” and the account number “2000000001” of the branch of the bank A. The registered seal stamp of the linked deposit account 20 is mailed and notified (see (6) in FIG. 3).
[0040]
At this time, since it is not necessary to notify the company P of the account number “1000000001” of the deposit account 20 as in the conventional case, even if it is stolen during mailing, it is not possible to withdraw cash alone and it is safe. is there. That is, when the customer X makes a withdrawal contract with the company P, there is no need to disclose the account number “1000000001” of the deposit account 20 actually deposited to a third party.
Then, the company P sends the account number and the seal image of the debit-only virtual account 10 sent from the customer X to the bank A and enters the debit procedure (see (7) in FIG. 3).
[0041]
Next, a processing procedure (procedure on the bank A side) at the start of the withdrawal service in the first embodiment will be described according to the flowchart (steps S1 to S5) shown in FIG.
When the bank A receives the withdrawal request, the store number and the account number of the customer X's withdrawal-dedicated virtual account 10 and the image of the linked deposit account 20 from the company P, it is first sent from the company P. The deposit account 20 linked to the withdrawal account virtual account 10 of the customer X is searched from the correspondence table as shown in FIG. 2A (step S1). That is, by using the association means 30 and searching the correspondence table using the store number and account number for the debit-only virtual account 10 as a key, the store for the deposit account 20 linked to the debit-only virtual account 10 is searched. Search for numbers and account numbers.
[0042]
When the linked account 20 of the debit-only virtual account 10 is found as described above, the bank A, the image registered in advance for the linked account 20 and the image sent from the company P, And confirming whether these images match (step S2), it is confirmed whether the withdrawal request from the company P is a request from the customer X who opened the deposit account 20. To do.
[0043]
In this embodiment, the customer confirmation of the withdrawal request from the company P is performed with the registered seal stamp image of the deposit account 20, but safety can be maintained even if this is replaced with a personal identification number. For example, when making a withdrawal request to the company P, the personal identification number of the linked deposit account 20 is mailed to the company P together with the store number and the account number for the withdrawal-only virtual account 10. At this time, even if the PIN is stolen in the middle of mailing, the correspondence relationship between the debit-only virtual account 10 and the linked deposit account 20 can only be held by the bank A. Cash withdrawal cannot be made.
[0044]
In this case, the bank A recognizes the linked deposit account 20 corresponding to the debit-only virtual account 10 using the above correspondence table, and sends it from the personal identification number and company P registered in advance for the linked deposit account 20. By confirming whether or not the obtained personal identification number matches, it can be confirmed whether or not the withdrawal request from the company P is a request from the customer X who opened the deposit account 20.
[0045]
As described above, when the combination of the account number and the personal identification number of the debit-only virtual account 10 is used, all the information notified between the customer X, the company P, and the bank A becomes numerical information. When performing the procedure, it becomes possible to use electronic transactions performed via the Internet or the like. Further, when the account number of the linked deposit account 20 is used instead of the personal identification number, the same effect as the case where the customer confirmation is performed using the personal identification number can be obtained.
[0046]
In addition, when the debit-only virtual account 10 is opened, a registration seal and a personal identification number are also set in the debit-only virtual account 10, and the bank A uses either of them to establish the relationship between the customer X and the debit-only virtual account 10. You may check. Even if the customer X loses or forgets the registered seal or password of the linked account 20, the transaction can be made with only the information about the debit-only virtual account 10.
[0047]
After completing the confirmation of the customer X as described above, the bank A uses the transfer means 40 to replace the store number and account number for the debit-only virtual account 10 with the store number and account number for the linked deposit account 20. (Step S3), the withdrawal request (withdrawal request) for the withdrawal-dedicated virtual account 10 from the company P is transferred to the withdrawal request for the linked deposit account 20.
[0048]
Then, after a part of the balance existing in the linked deposit account 20 is moved to the withdrawal-dedicated virtual account 10, the amount corresponding to the withdrawal request is transferred to the company P side (an account of the company P, etc.) A withdrawal process from the account 20 is performed (step S4). Further, the history storage means 50 provides the history database with the withdrawal information including the name of the company P, the withdrawal date, the withdrawal amount, etc. as the history information about the withdrawal-dedicated virtual account 10 of the customer X as shown in FIG. 60 (step S5).
[0049]
Note that the processing for customer confirmation in steps S1 and S2 is performed only at the start of the withdrawal service, and for the second and subsequent withdrawal requests (periodic withdrawal requests) from the company P to the same withdrawal virtual account 10. May omit the processing in steps S1 and S2.
[0050]
Next, according to the flowchart shown in FIG. 5 (steps S6 to S8), a processing procedure when the customer X visits the bank A next time and makes a book entry on the bankbook of the debit-only virtual account 10 will be described.
First, the customer X inserts the passbook of the debit-only virtual account 10 into a passbook entry machine or ATM as the entry means 70. At this time, the bankbook entry machine and ATM read the store number and account number for the debit-only virtual account 10 from the inserted bankbook (such as a magnetic stripe on the outer surface of the bankbook) (step S6).
[0051]
Then, from the history database 60, unbooked entry information (withdrawal history information, withdrawal record) for the withdrawal-dedicated virtual account 10 is extracted (step S7), and the unbooked withdrawal record is added to the passbook (step S7). S8). As a result, history information as shown in FIG. 6 is printed in the passbook of the debit-only virtual account 10.
[0052]
At this time, in this embodiment, only the withdrawal information is recorded in the bankbook of the debit-only virtual account 10 in order to maintain high safety.
Further, the account number of the linked deposit account 20 may be recorded so that the withdrawal information can be managed more clearly by the withdrawal-dedicated virtual account 10. Also in this case, since the deposit balance is not known only by the passbook of the debit-only virtual account 10 and the registered seal stamp image is not recorded, it is impossible to withdraw cash. Anxiety is reduced.
[0053]
Further, if the customer X changes the deposit account 20 of the withdrawal destination (link destination), it is only necessary to tell the bank A to that effect. Bank A then confirms the relationship between the newly linked deposit account and customer X using a deposit account registration seal, etc., and only rewrites the correspondence table between the debit-only virtual account 10 and the new linked account. It's okay. The correspondence table after changing the linked deposit account of the debit-only virtual account 10 is rewritten as shown in FIG. 2 (A) to FIG. 2 (B), for example. In the example of the correspondence table shown in FIG. 2B, the store number and account number for the new linked account of the withdrawal-only virtual account 10 are “201” and the account number “1000000002”, respectively. Yes. Additional information about this correspondence is not attached even in the example shown in FIG.
[0054]
Even if the linked account is changed as described above, the withdrawal procedure for the business partner (company P) remains the same as before the change, and the bankbook of the virtual account 10 for withdrawal of the customer X continues to be used. be able to. That is, the customer X does not need to contact the withdrawal source (company P) about the change, and can continue to manage payment using the passbook of the same withdrawal-only virtual account 10.
[0055]
In the first embodiment described above, the associating means 30 uses the correspondence table as shown in FIG. 2 (A) or FIG. 2 (B) to set the debit-only virtual account 10 and the linked account 20. Although the linked account number is calculated from the virtual account number for association and withdrawal, the linked account number may be calculated using a predetermined numerical value conversion rule.
[0056]
For example, the following numerical value conversion rule is created in advance.
Withdrawal virtual account number = 010 + (additional number 5 digits) + linked account
In this case, if the withdrawal virtual account number is “010123411000000001”, the linked account number is “1000000001”. However, if the numerical conversion rules are made public or simple, the linked deposit account can be easily estimated from the debit virtual account number, and the initial safety objective may not be achieved. Therefore, the numerical value conversion rule is basically not disclosed, and the numerical value conversion rule is created and set to some extent complicated.
[0057]
As described above, according to the transaction processing system 1A as the first embodiment of the present invention, the withdrawal-dedicated virtual account 10 is opened separately from the deposit account 20 for managing deposits. The withdrawal request that can be linked to the deposit account 20 and generated for the withdrawal-dedicated virtual account 10 is automatically transferred to the withdrawal from the linked deposit account 20 by the transfer means 40. Further, an account number different from the account number of the deposit account 20 is assigned to the debit-only virtual account 10, and the customer X makes a contract with a business partner (company P) using the account number. The business partner performs the withdrawal process using the withdrawal-dedicated virtual account number.
[0058]
At this time, the withdrawal information is recorded as history information of the debit-only virtual account 10, and only the debit information is recorded in the passbook of the debit-only virtual account 10. Therefore, the customer X uses the passbook as a household account book. It becomes convenient.
In the above-described embodiment, one linked account 20 is associated with one withdrawal virtual account 10, but the customer X has a plurality of withdrawals classified for each withdrawal source (customer). It is also possible to create a dedicated virtual account 10 and set each link destination to one deposit account 20. In this case, since there is only one linked deposit account 20 for one withdrawal-dedicated virtual account 10, a preset withdrawal source is stored in the passbook of each withdrawal-dedicated virtual account 10 without causing troublesome payment management. Only the withdrawal information by (business partner) is recorded, and the balance management using the passbook instead of the household account book becomes more convenient.
[0059]
Furthermore, only the withdrawal information is entered in the passbook of the withdrawal-dedicated virtual account 10, and information that is not desired to be known to others, such as a deposit record and deposit balance, is not entered. Therefore, even if the passbook is lost or stolen, it is possible to reliably prevent the above information from leaking to others, so that the customer X can carry the passbook with peace of mind and pass the passbook when writing. You will be able to keep a book anytime without worrying about unnecessary when you carry it.
[0060]
Further, when the customer X wants to change the withdrawal account 20 to another account, it is only necessary to replace the linked deposit account associated with the withdrawal virtual account 10 by the association means 30 (correspondence table). In other words, since the store number and account number for the withdrawal-only virtual account 10 that has been previously notified to the business partner (company P) will not be changed, there is no need to notify the customer (company P) of the change and notification. Therefore, the deposit account 20 to be traded can be changed very easily.
[0061]
At this time, as the linked deposit account 20 associated with the withdrawal-dedicated virtual account 10 by the association means 30 (correspondence table), the deposit account or virtual belonging to another bank different from the bank A to which the withdrawal-dedicated virtual account 10 belongs. By assigning an account, it becomes very easy to transfer a withdrawal request from the company P to an account belonging to another bank. Therefore, when the deposit account 20 is changed, the bank change (account transfer operation) can be performed very easily only by the contract between the banks.
[0062]
In addition, the virtual account 10 is dedicated for withdrawal, and even if the passbook of the withdrawal-dedicated virtual account 10 is lost or stolen, cash is deducted from the withdrawal-dedicated virtual account 10 using a forged image or its passbook. Cannot be pulled out. Accordingly, there is no worry about misuse of the bankbook, and the customer X can carry the bankbook with peace of mind and can always make a book entry. In the present embodiment, since the stamp is not attached to the passbook of the debit-only virtual account 10, the registered seal of the deposit account 20 cannot be forged.
[0063]
Further, in the case of a withdrawal contract with a business partner (company P) that is performed prior to the start of the withdrawal service, the business partner is provided with the account number of the virtual account for withdrawal 10 and the image of the deposit account 20 linked thereto. Send to. Therefore, even if the account number and the seal are stolen during mailing, the customer X can make a withdrawal contract with peace of mind because it is impossible to withdraw cash only by such information. In other words, there is no need to disclose the account number of the deposit account 20 to a third party, and the anxiety that has conventionally been associated with withdrawal contracts can be completely eliminated.
[0064]
Still further, in the present embodiment, the association process between the account number of the debit-only virtual account 10 and the account number of the deposit account 20 by the association means 30 is a correspondence table holding the correspondence relationship or a predetermined numerical value conversion. This is done very easily by using rules.
As described above, according to the transaction processing system 1A of the first embodiment, in the unlikely event that a registered seal stamp is stolen, misuse and fraud can be reliably prevented, and a withdrawal service can be provided. The convenience of the customer X to be used is greatly improved.
[0065]
[2] Description of the second embodiment
7 and 8 are both block diagrams showing the configuration of the main part of the transaction processing system as the second embodiment of the present invention, and FIG. 9 is a history registered in the history database for debit-only virtual accounts in the second embodiment. FIG. 10 is a diagram showing an example of information, and FIG. 10 is a diagram showing an example of a company identifier table in the second embodiment. In the figure, the same reference numerals as those already described indicate the same or substantially the same parts, and detailed description thereof will be omitted.
[0066]
In the transaction processing system (bank system) 1B of the second embodiment, in addition to the functions of the first embodiment, withdrawal requests are made from various companies (corporations P and Q in FIG. 7) to one withdrawal virtual account 10. A function for automatically classifying these withdrawal requests when there is an error, and history information (withdrawal information) about the withdrawal-dedicated virtual account 10 from the customer terminal 100 via the communication line 90 such as the Internet or a telephone line. A new function has been added which presents the history information after sorting and classifying it when inquired.
[0067]
Furthermore, FIG. 9 shows an example of history information of the debit-only virtual account 10 stored in the history database 60 in the second embodiment. The history information shown in FIG. 9 includes a withdrawal date, a withdrawal face value, and a withdrawal source identifier (company identifier). In the second embodiment, the history information stored in the history database 60 is reduced by representing the withdrawal source information by the withdrawal source identifier so that statistical processing described later can be performed at high speed.
[0068]
In the transaction processing system 1B of the second embodiment, the correspondence between the withdrawal source identifier (company identifier) and the actual withdrawal source information (withdrawal source name and withdrawal source contact information) is as shown in FIG. A company identifier table database 61 (see FIG. 8) held as an identifier table (withdrawal source identifier table) is provided independently from the history database 60.
[0069]
Accordingly, the transaction processing system 1B of the second embodiment has the same configuration as the transaction processing system 1A of the first embodiment as shown in FIG. 7, and further, as shown in FIG. 8, a company identifier table database. 61, a password database 62, a communication unit 71, a dialogue processing unit 72, a person recognition unit 73, a withdrawal information statistical processing unit 74, a statistical result visualization unit 75, and an HTML documenting unit 76. Here, the communication unit 71, the dialogue processing unit 72, the person recognition unit 73, the withdrawal information statistical processing unit 74, the statistical result visualization unit 75, and the HTML documenting unit 76 are computers that form part of the transaction processing system 1B (illustrated). (Omitted) is realized as software by executing a predetermined program.
[0070]
As described above, the company identifier table database 61 stores and holds a company identifier table as shown in FIG.
The password database 62 stores and holds a password (passphrase) for each customer registered in advance. The password (passphrase) is, for example, a virtual account dedicated to withdrawal by the customer X from the customer terminal 100 via the communication line 90. This is necessary for confirming the identity of the customer when inquiring about withdrawal information for 10.
[0071]
The communication unit 71 is connected to a communication line (Internet, telephone line) 90, and is used for transmitting and receiving data to and from the customer terminal 100 outside the transaction processing system 1B.
The dialogue processing unit 72 processes various data in order to proceed and process access such as inquiry of withdrawal information from the customer terminal in an interactive manner.
[0072]
For example, when the customer X inquires about withdrawal information about the withdrawal-dedicated virtual account 10 from the customer terminal 100 via the communication line 90, the customer recognition unit 73 and the password entered by the customer X from the customer terminal 100 and the password database 62 Is compared with the password (passphrase) of customer X registered in advance, and the identity of customer X is verified.
[0073]
The withdrawal information statistical processing unit (statistics calculation means) 74, when requested by the customer X to ask for withdrawal information for the withdrawal-dedicated virtual account 10, records history information (withdrawal source identifier, withdrawal). Based on the face value and withdrawal date) and the company identifier table in the company identifier table database 61, a statistic regarding the withdrawal request for the withdrawal-dedicated virtual account 10 is calculated and output as withdrawal information.
[0074]
The statistical result visualization unit 75 visualizes (graphs / illustrates) statistics (drawing information), which are statistical results by the withdrawal information statistical processing unit 74, as described later. The HTML documenting unit 76 In response to access from the customer X, information to be answered to the customer terminal 100 is converted into an HTML (Hyper Text Markup Language) document.
[0075]
By sending the withdrawal information converted into an HTML document by the HTML documenting unit 76 to the customer terminal 100 via the dialogue processing unit 72, the communication unit 71, and the communication line 90, the withdrawal information is sent to the transaction processing system 1B. It is possible to browse from the customer terminal 100 outside.
[0076]
Here, a case will be described in which document communication from the transaction processing system 1B to the customer terminal 100 of the customer X is performed using an HTML document, and the document browsing is performed on the customer terminal 100 using a WWW (World Wide Web) browser. However, such document browsing may be performed using a dedicated protocol and a dedicated browser.
[0077]
Next, operation | movement of the transaction processing system 1B of 2nd Embodiment comprised as mentioned above is demonstrated, referring FIGS. 9-12.
FIG. 11 is a flowchart (steps S10 to S12) for explaining the processing procedure of the withdrawal service in the second embodiment, and FIG. 12 is a diagram when the withdrawal information is inquired from the customer terminal 100 in the second embodiment. It is a flowchart (steps S13-S19) for demonstrating the process sequence.
[0078]
First, in the transaction processing system 1B of the second embodiment, a processing procedure when a withdrawal request is made from a business partner (company P, Q) will be described according to a flowchart (steps S10 to S12) shown in FIG. Here, in the company identifier table shown in FIG. 10, only the information about the company P is registered, and the case where the withdrawal request from the companies P and Q is received at the stage where the information about the company Q is not yet registered is described. To do.
[0079]
In the second embodiment, when a withdrawal request is received from a company, first, by referring to the company identifier table, it is checked whether or not the company is a business partner (withdrawal source) that has been traded in the past (step) S10). For example, when there is a withdrawal request from the company P, in step S10, it is determined that information on the current withdrawal company P (electric power company P) exists in the company identifier table (YES route), and is the same as in the first embodiment. The withdrawal process is performed in accordance with the above procedure, and the identifier of the withdrawal source company P, the withdrawal amount, and the withdrawal date are added and recorded in the history database 60 as the history information of the withdrawal-only virtual account 10 of the customer X ( Step S11).
[0080]
On the other hand, if there is a withdrawal request from a company Q whose identifier is not registered in the company identifier table at this time, information on the current withdrawal source company Q (telephone company Q) does not exist in the company identifier table in step S10. (NO route) is automatically assigned a new company identifier (here, “101”), and as shown in FIG. 10, information about the company identifier and company Q (withdrawal source name “telephone company Q” and Withdrawal source contact information “03-1234-5555”) is associated and registered in the company identifier table (step S12).
[0081]
Thereafter, the process proceeds to step S11, where the withdrawal process is performed according to the same procedure as in the first embodiment, and the history information of the withdrawal-dedicated virtual account 10 of the customer X is deducted from the identifier of the withdrawal source company Q, the withdrawal amount and the withdrawal amount. The date is added and recorded in the history database 60.
By automatically generating and using the company identifier as described above, the withdrawal information statistical processing unit 74 performs statistical processing by classifying history information in the history database 60, for example, for each business partner (withdrawal source). In this case, statistical processing can be performed at high speed with a small amount of calculation.
[0082]
Next, a processing procedure when the customer X makes an inquiry about withdrawal information from the customer terminal 100 will be described according to the flowchart (steps S13 to S19) shown in FIG.
Here, the customer X accesses the bank A (transaction processing system 1B) from the customer terminal 100 such as a portable terminal or a home terminal using the Internet (communication line 90) and a WWW browser, and is dedicated to the withdrawal of the customer X. A case in which withdrawal information for the virtual account 10 is inquired will be described.
[0083]
As an example other than the inquiry access by combining the Internet and the WWW browser, for example, when using the ATM in the bank store for the inquiry access, or by setting up a dedicated inquiry terminal in the bank store, this inquiry only The present invention can also be applied when inquiring access from a terminal.
[0084]
Now, when the customer X inputs an ID and a password from the customer terminal 100 via the communication line 90 to inquire about the withdrawal information about the withdrawal dedicated virtual account 10, as shown in FIG. The password registered in advance for the customer X is read from the password database 62 based on the ID, the input password and the registered password are compared, and the identity of the customer X is confirmed (step S13).
[0085]
In step S13, when it is confirmed that the customer X who made the inquiry access is the principal (OK route), the withdrawal information statistical processing unit 74 makes withdrawal information (history information) about the withdrawal-only virtual account 10 from the history database 60. ) Is read and classified according to the withdrawal source identifier (company identifier) (step S14), and statistical processing such as a list of withdrawal amounts for each withdrawal source (company) and withdrawal amount per month is performed (step). S15).
[0086]
Then, the statistical result visualization unit 75 visualizes the statistical amount (withdrawal information) that is a statistical result by the withdrawal information statistical processing unit 74 so that the customer X can easily see the withdrawal information. That is, a graph, a figure, or a table for organizing and presenting statistics is created (step S16).
At this time, for example, the following visualization process (arrangement of withdrawal information) is performed.
1. Creating a list of monthly withdrawal source (company) and withdrawal amount
2. Creating a graph of the monthly withdrawal amount for each withdrawal source (company)
3. Create a pie chart that shows the ratio of each withdrawal amount for each month and the total withdrawal amount for the month
[0087]
When the statistical processing as described above is performed in response to a withdrawal information inquiry request from the customer X and the statistical processing result is visualized, an HTML document for displaying the visualization result (statistical result) is an HTML document. After being converted and created by the conversion unit 76 (step S17), it is transmitted to the customer terminal 100 via the dialogue processing unit 72, the communication unit 71, and the communication line 90 (step S18).
If it is confirmed in step S13 that the customer X who has made the inquiry access is not the person himself (NG route), an HTML document indicating that the person confirmation has failed is created (step S19), and the dialog processing unit 72, communication The data is transmitted to the customer terminal 100 via the unit 71 and the communication line 90 (step S18).
[0088]
Thereby, in the customer terminal 100 outside the transaction processing system 1B, the withdrawal information (history information) about the withdrawal-dedicated virtual account 10 is displayed in an easy-to-understand manner with graphs, diagrams, and tables, and the customer X clearly shows the withdrawal information. I can grasp it.
In this way, the customer X can see the withdrawal information as described above by using a WWW browser on a personal computer at home via the Internet, for example. At this time, the data transmitted / received via the Internet is only the withdrawal information, and the deposit information and deposit account number of the customer X are not transmitted / received at all. Therefore, even if transmission / reception information is wiretapped, there is no risk of misuse. This is for the same reason that even if the bankbook of the debit-only virtual account 10 is stolen, there is no fear of being misused.
[0089]
As described above, according to the transaction processing system 1B as the second embodiment of the present invention, the same operational effects as the first embodiment can be obtained, and the customer terminal 100 such as a portable terminal or a home terminal is used. Since the withdrawal information (history information) about the withdrawal-only virtual account 10 is displayed in an easy-to-understand manner using graphs, diagrams, and tables, the customer X can easily and clearly grasp the withdrawal information (transaction status). Thus, the convenience for customer X is further improved.
[0090]
[3] Description of the third embodiment
FIG. 13 is a block diagram showing the configuration of a transaction processing system according to the third embodiment of the present invention. In the figure, the same reference numerals as those already described indicate the same or almost the same parts, and details The detailed explanation is omitted.
The transaction processing system (bank system) 1C according to the third embodiment shown in FIG. 13 is configured in substantially the same manner as the transaction processing system 1A according to the first embodiment. In this transaction processing system 1C, for example, two withdrawals are made. A dedicated virtual account 10 and a plurality of deposit accounts 20 are provided, and determination means 80 is provided.
[0091]
Further, in the transaction processing system 1C, association means 31 and transfer means 41 are provided instead of the association means 30 and transfer means 40 of the first embodiment.
Further, the transaction processing system 1C is provided with a function which will be described later with reference to FIG. 15, that is, a contract approval function which is executed when a withdrawal contract is requested from a business partner (when a withdrawal service is started).
Here, the association unit 31, the transfer unit 41, the determination unit 80, and the contract approval function are realized as software by a computer (not shown) constituting a part of the transaction processing system 1C executing a predetermined program. It is like that.
[0092]
In the transaction processing system 1C of the third embodiment, as described above, two debit-only virtual accounts 10 and a plurality of deposit accounts 20 are provided, and the association unit 31 uses a correspondence table (see FIG. 14) described later. Thus, a plurality (two in the example shown in FIG. 14) of deposit accounts 20 are associated with each withdrawal-dedicated virtual account 10. That is, in the first embodiment, the debit-only virtual account 10 and the deposit account 20 have a one-to-one correspondence, but the third embodiment has a one-to-many correspondence.
[0093]
FIG. 14 shows an example of a correspondence table between the debit-only virtual account 10 and the linked deposit account 20 that is used in the association unit 31.
In the example shown in FIG. 14, the debit-only virtual account 10 (hereinafter referred to as virtual account 10A) with the account number “2000000001” opened at the branch with the store number “100” is opened at the branch with the store number “200”. Account number “1000000001” and a deposit account 20 (hereinafter referred to as deposit account 20A) and a deposit account 20 (hereinafter referred to as deposit account 20B) having an account number “10000000011” established at a branch having a store number “200”. Two are associated.
[0094]
Similarly, the debit-only virtual account 10 (hereinafter referred to as virtual account 10B) with the account number “20000000011” opened at the branch with the store number “100” has the account number “ Two accounts are associated: a deposit account 20A of “1000000001” and a deposit account 20 (hereinafter referred to as a deposit account 20C) of an account number “1000000001” opened at a branch having a store number “201”.
[0095]
Furthermore, in the correspondence table shown in FIG. 14, conditions for allocating the withdrawal amount to the deposit accounts 20A to 20C are preset as additional information. For example, a predetermined condition is set so that the deposit accounts 20A and 20B associated with the virtual account 10A are withdrawn at a distribution ratio of 30%: 70%. In addition, for the deposit accounts 20A and 20C associated with the virtual account 10B, predetermined conditions are set so that 30,000 yen is deducted from the deposit account 20A and the remaining amount is deducted from the deposit account 20C. Note that the predetermined condition set as additional information in the correspondence table will be described in more detail later.
[0096]
When the transfer unit 41 of the third embodiment receives a withdrawal request for each withdrawal-dedicated virtual account 10, the withdrawal unit 41 transfers the withdrawal request to a withdrawal request for a plurality of deposit accounts 20 associated by the association unit 31. After a part of the balance existing in the account 20 is moved to the debit-only virtual account 10, a transaction process (withdrawal process) corresponding to the withdrawal request is executed.
[0097]
At this time, in the third embodiment, the amounts to be deducted from the plurality of deposit accounts 20 are determined according to a predetermined condition preset as additional information in the correspondence table as shown in FIG. This predetermined condition is for determining a method (allocation amount) for allocating the withdrawal amount requested for the virtual account 10A or 10B to the deposit accounts 20A to 20C.
[0098]
As the predetermined condition, for example, the following (a) to (f) are set, and the debit amount is distributed as follows according to each predetermined condition.
(a) Allocation ratio of fixed amount to two or more deposit accounts (fixed ratio)
For example, the distribution of the withdrawal amount for each of the two deposit accounts 20A and 20B is set to a fixed distribution ratio (for example, 30%: 70) as shown in FIG. %). That is, 30% of the withdrawal amount is withdrawn from the deposit account 20A, and 70% of the withdrawal amount is withdrawn from the deposit account 20B.
[0099]
(b) Withdrawal limit amount and withdrawal priority for each deposit account (fixed amount with priority)
For example, if there are three accounts A, B, and C as the linked deposit account 20, the upper limit of the debit amount burden for account A and account B is set as 30,000 yen and 50,000 yen, respectively, and the deduction for account C The amount burden is set for all the remaining amounts, and the withdrawal priority is set in the order of A, B, C.
[0100]
In this case, if the withdrawal amount for the virtual account 10 is, for example, 20,000 yen, the entire amount of 20,000 yen is withdrawn preferentially from the account A. If the withdrawal amount for the virtual account 10 is 50,000 yen, for example, 30,000 yen is withdrawn from the account A and 20,000 yen is withdrawn from the account B. Further, if the withdrawal amount for the virtual account 10 is 100,000 yen, for example, 30,000 yen is withdrawn from the account A, 50,000 yen is withdrawn from the account B, and 20,000 yen is withdrawn from the account C.
[0101]
The conditions shown in FIG. 14 set for the linked deposit accounts 20A and 20C correspond to the fixed amounts with priority. That is, 30,000 yen is set as the upper limit amount of the withdrawal amount burden on the deposit account 20A, all the remaining amount is set as the withdrawal amount burden on the deposit account 20C, and the withdrawal priority is set in the order of the deposit accounts 20A and 20B.
[0102]
(c) Conditions based on the balance of two or more deposit accounts
For example, when there are three accounts A, B, and C as the linked account 20, the withdrawal is preferentially performed from the one with the largest balance. If the balance in accounts A, B, and C is 50,000 yen, 60,000 yen, and 20,000 yen, respectively, if a 50,000 yen withdrawal request is made, the total amount of 50,000 yen will be withdrawn from account B On the other hand, when there is a request for withdrawal of 100,000 yen, 60,000 yen and 40,000 yen are withdrawn from account B and account A, respectively.
[0103]
(d) Conditions based on the date of occurrence of withdrawal request (change by date)
For example, when there are two accounts A and B as the linked deposit account 20, for example, the even month is withdrawn from the account A and the odd month is withdrawn from the account B. Or you may set the withdrawal period from the account A and the account B according to the payment time (transfer of salary etc.) with respect to the account A and the account B, respectively.
[0104]
(e) Conditions based on the number of withdrawals from each deposit account (changes depending on the number of times)
For example, when there are two accounts A and B as the linked deposit account 20, for example, the accounts A and B are withdrawn alternately.
(f) Conditions based on request source information (withdrawal name, company name) or request source identifier (withdrawal source identifier, company identifier) (change by withdrawal source)
For example, when there are two accounts A and B as the linked deposit account 20, if the withdrawal request is from the company P, the withdrawal is made from the account A, and if the withdrawal request is from the company Q, the withdrawal is made from the account B.
[0105]
Needless to say, the above-described six patterns (a) to (f) can be used in combination.
For example, consider a combination of the patterns (a) and (f). Mr. A's deposit account A and Mr. B's deposit account B are linked to the withdrawal-dedicated virtual account 10. The withdrawal-dedicated virtual account 10 is contracted for automatic withdrawal of gas and telephone charges. In the withdrawal from the gas company, Mr. A who likes bathing bears 70% and Mr. B bears the remaining 30%. In the withdrawal of telephone charges, Mr. B who uses the Internet bears 80% and Mr. A bears the remaining 20%. Such a utilization method can be realized by combining the patterns (a) and (f).
[0106]
Further, a more specific example will be described in the case where the above-described pattern (a) is used, that is, a case where a plurality of people distribute and pay one expense at a fixed ratio.
For example, in a home where parents and children share information and communication services, it is assumed that 70% of children use the service frequently and 30% of parents who do not use the service pay the information communication service fee. .
[0107]
In this case, one withdrawal virtual account number is notified to the communication service provider (Internet service provider), and an automatic withdrawal contract is made. By linking the two deposit accounts A and B of the child and the parent to this debit virtual account number and setting a fixed ratio of 70%: 30% as a predetermined condition, the deposit accounts A and B The automatic cash withdrawal is performed at a distribution ratio of 70%: 30%, respectively.
[0108]
At this time, depending on how to set the conditions for deciding the distribution of cash withdrawal, in addition, the parent bears 10,000 yen and the child bears the balance [Pattern (b) above], or alternatively pays every month. [Pattern (e)] is also possible.
Therefore, in the conventional system, the fee must be paid to the Internet service provider after either the parent or the child has collected the fees. By using the transaction processing system 1C of the third embodiment, Will be automatically withdrawn from two deposit accounts (parent and child deposit accounts).
[0109]
Furthermore, by using the pattern (b), when a certain deposit account runs out of balance, a reserve deposit account can be set in place of the deposit account. For example, two deposit accounts A and B are linked to the withdrawal-dedicated virtual account 10, and conditions are set so that the withdrawal account is preferentially withdrawn from the account A. By performing such condition setting, the shortage is compensated from the account B only when the balance of the account A becomes zero.
In this way, by linking a plurality of deposit accounts 20 to the withdrawal-dedicated virtual account 10, it is possible to provide a new withdrawal service that has not existed before and to realize a new usage method of the withdrawal service.
[0110]
Furthermore, in the transaction processing system 1C of the third embodiment, as shown in FIG. 13, as a determination means 80 for determining whether or not the account number specified by the withdrawal request is that of the debit-only virtual account 10. More functions are provided. Specifically, the determination means 80 searches the correspondence table as shown in FIG. 14 using the account number specified in the withdrawal request as a key, and the account number linked to the account number (that is, the link destination). If there is a deposit account number), it is determined that the account number belongs to the debit-only virtual account 10, while if it does not exist (or the account number specified in the withdrawal request is not entered in the correspondence table) The account number is determined not to belong to the debit-only virtual account 10 but to an actual deposit account.
[0111]
When the determination unit 80 determines that the account number is that of the debit-only virtual account 10, the transfer unit 41 executes a transfer process to the deposit account 20 of the withdrawal request, while the determination unit 80 When it is determined that the number is not for the debit-only virtual account 10, the transaction process (normal debit process) corresponding to the debit request is executed for the actual deposit account corresponding to the account number. It has become.
[0112]
Next, operation | movement of 1 C of transaction processing systems 1C of 3rd Embodiment comprised as mentioned above is demonstrated, referring FIGS. 14-16.
15 is a flowchart (steps S20 to S24) for explaining the processing procedure at the start of the withdrawal service in the third embodiment, and FIG. 16 is a flowchart for explaining the processing procedure of the withdrawal service in the third embodiment ( Steps S25 to S30).
[0113]
The customer designates a plurality of deposit accounts 20 to be linked to the withdrawal-only virtual account 10 before making an automatic withdrawal contract with the business partner. Here, as shown in FIG. 14, a case where two deposit accounts 20A and 20B are linked to the virtual account 10A will be described as an example.
[0114]
When the debit-only virtual account 10A is opened, the customer designates two linked deposit accounts 20A and 20B, and the bank A determines whether the designated deposit accounts 20A and 20B belong to the customer, for example, It confirms using the seal image etc. of the registration stamp about the deposit accounts 20A and 20B.
When bank A confirms that both of the two deposit accounts 20A and 20B belong to the customer, the correspondence between the debit-only virtual account 10A and the deposit accounts 20A and 20B is stored in the correspondence table as shown in FIG.・ Set. At this time, a distribution ratio of 30%: 70% is also set as an additional condition.
[0115]
As a result, the two deposit accounts 20A and 20B designated by the customer are allocated as the link destination of the debit-only virtual account 10A. That is, by registering the correspondence between the withdrawal-dedicated virtual account 10A and the deposit accounts 20A, 20B in the correspondence table, the withdrawal-dedicated virtual account 10A and the deposit accounts 20A, 20B are associated by the association means 31. . Bank A then passes the bankbook of the debit-only virtual account 10A to the customer and finishes the procedure for opening the debit-only virtual account 10A.
[0116]
Thereafter, in the same manner as in the first embodiment, in order to make an automatic withdrawal contract with the business partner, the customer informs the business partner about information about the virtual account 10A for withdrawal, that is, the store number “100” of the branch of bank A Also, the account number “2000000001” and the registered seal stamps of the two linked deposit accounts 20A and 20B are mailed and notified. At this time, the store number and account number of the debit-only virtual account 10A are entered in the withdrawal contract request form, and two images are stamped on the withdrawal contract request form. Then, the business partner (withdrawal source) sends the withdrawal contract request form including the account number of the virtual account 10A for withdrawal and the two images sent from the customer to the bank A, and the bank A (transaction processing system 1C). ) To request a withdrawal contract based on the withdrawal contract request form.
[0117]
Here, according to the flowchart shown in FIG. 15 (steps S20 to S24), the contract approval function executed at the time of the withdrawal contract request from the customer (at the start of the withdrawal service) in the bank A (transaction processing system 1C) will be described. .
In the transaction processing system 1C, when a withdrawal contract request form is sent from a business partner (withdrawal source), the account number of the debit-only virtual account 10A entered in the withdrawal contract request form is used as a key and shown in FIG. By searching the correspondence table, the linked deposit account 20 of the debit-only virtual account 10A is investigated (step S20).
[0118]
Then, when the two deposit accounts 20A and 20B linked to the debit-only virtual account 10A are searched, the two images registered in advance for these deposit accounts 20A and 20B are read out, and these two It is confirmed whether the registered image and the two images imprinted on the withdrawal contract request form match each other (steps S21 and S22).
[0119]
If the two sets of images match (YES route in step S22), bank A recognizes that the withdrawal request from the customer is a request from a customer who opened two deposit accounts 20A and 20B, The current automatic withdrawal contract is approved and the contract processing is terminated (step S23). On the other hand, if even one of the two sets of images does not match (NO route of step S22), bank A ends the contract processing without approving the current automatic withdrawal contract (step S24).
[0120]
In the third embodiment, as in the first embodiment, the customer confirmation of the withdrawal request from the customer is performed with the registered seal stamp image of the deposit account 20A, 20B, but this may be replaced with a personal identification number. , Safety can be maintained. In this case, all the information notified between the customer, the business partner, and the bank A becomes numerical information. Therefore, when performing the procedure described above, use electronic transactions performed via the Internet or the like. Will be able to. Further, when the account numbers of the linked deposit accounts 20A and 20B are used in place of the personal identification number, the same effect as that in the case of performing customer confirmation using the personal identification number can be obtained.
[0121]
Next, the processing procedure of the withdrawal service in the third embodiment will be described according to the flowchart (steps S25 to S30) shown in FIG.
First, when there is a withdrawal request from a business partner, the linked account 20 is investigated by searching a correspondence table as shown in FIG. 14 using the withdrawal target account number included in the withdrawal request as a key ( Step S25).
[0122]
When a plurality of linked deposit accounts 20 corresponding to the account numbers to be withdrawn are retrieved from the correspondence table (YES route in step S26), that is, when the account numbers to be withdrawn are those of the debit-only virtual account 10. Is calculated based on the condition [any one or combination of the above-mentioned patterns (a) to (f) or a combination thereof] preliminarily registered in the correspondence table as the additional information ( Step S27).
[0123]
Then, the transfer means 41 replaces the store number and account number for the debit-only virtual account 10 with the store number and account number for a plurality of linked deposit accounts 20, and the debit processing for the distribution amount of each deposit account 20 is performed. This is performed for each deposit account 20 (step S28). Thereafter, the withdrawal information of this time is written in the history database 60 by the history storage means 50 as history information about the customer-dedicated virtual account 10 (step S29).
[0124]
On the other hand, when the account number to be withdrawn or the linked deposit account 20 corresponding thereto is not retrieved from the correspondence table (NO route of step S26), the deposit account to be withdrawn is not the withdrawal-dedicated virtual account 10. In other words, the deposit account is regarded as a real one, and a normal withdrawal process for the deposit account is executed (step S30).
[0125]
Thus, according to the transaction processing system 1C as the third embodiment of the present invention, the same operational effects as those of the first embodiment can be obtained, and any one or combination of the patterns (a) to (f) can be obtained. According to the predetermined condition, it becomes possible to withdraw cash from two or more deposit accounts 20, and a plurality of deposit accounts 20 are linked to the withdrawal-dedicated virtual account 10, and various conditions relating to withdrawal from the plurality of deposit accounts 20 are set in advance. As a result, a new withdrawal service that has never existed before and a new usage of the withdrawal service will be realized, and the convenience for customers will be greatly improved.
[0126]
For example, as described above, depending on how the predetermined condition is set, when the balance of the deposit account 20 to be withdrawn becomes 0 due to the withdrawal process, the withdrawal target can be switched to the reserve account 20. Convenience can be further improved.
As shown in FIG. 13 and FIG. 14, in the third embodiment, the company P selects and withdraws one of the two virtual accounts 10 (10A, 10B) opened by the same contractor (plural people). Can be requested. Therefore, when the company P withdraws from the virtual account 10 of the contractor, the company P simply changes the withdrawal-target virtual account 10 (10A or 10B), and from a plurality of withdrawal conditions (the predetermined conditions) requested by the customer. You can select one and withdraw. Further, the customer can freely change the withdrawal condition by himself / herself without contacting the company P. For example, when a telephone charge is withdrawn, the customer can freely change the withdrawal conditions for each of the basic charge and the call charge of the telephone charge.
[0127]
[4] Description of the fourth embodiment
FIG. 17 is a block diagram showing a configuration of a transaction processing system according to the fourth embodiment of the present invention. In the figure, the same reference numerals as those already described indicate the same or substantially the same parts, and details thereof are shown. The detailed explanation is omitted.
[0128]
A transaction processing system (bank system) 1D of the fourth embodiment shown in FIG. 17 can be regarded as a modification of the third embodiment, and is configured in substantially the same manner as the transaction processing system 1C of the third embodiment. However, in this transaction processing system 1D, there are provided the association means 32, the transfer means 42, and the determination means 81 that perform the same functions as the association means 31, the transfer means 41, and the determination means 80 of the third embodiment, respectively. Instead of the history storage means 50 and the history database 60 of the first to third embodiments, a history storage means 51 and a history database 63 are provided.
[0129]
Here, the association unit 32, the transfer unit 42, the history storage unit 51, and the determination unit 81 are realized as software by a computer (not shown) constituting a part of the transaction processing system 1D executing a predetermined program. It is like that.
Further, in the transaction processing system 1D of the fourth embodiment, the association means 32 uses a correspondence table (see FIG. 18) to be described later, and a plurality of (three in the example shown in FIG. The deposit account 20 is linked.
[0130]
FIG. 18 shows an example of a correspondence table between the debit-only virtual account 10 and the linked deposit account 20 that is used in the association unit 32.
In the example shown in FIG. 18, the debit-only virtual account 10 with the account number “2000000001” opened at the branch with the store number “100” has the account number “1000000001” opened at the branch with the store number “200”. A deposit account 20 (hereinafter referred to as a deposit account 20A), a deposit account 20 (hereinafter referred to as a deposit account 20B) opened at a branch with a store number “200”, and a branch with a store number “201” And the deposit account 20 (hereinafter referred to as deposit account 20C) with the account number “1000000001” established in FIG.
[0131]
Further, in the correspondence table shown in FIG. 18, a condition for allocating the withdrawal amount to each of the deposit accounts 20A to 20C is set in advance as additional information. The conditions set here correspond to the pattern (f). For example, in response to a withdrawal request from the telephone company Q, the deposit account 20A pays 100% and a withdrawal request from the power company P is made. Is set so that the deposit account 20B makes a 100% payment, and the deposit account 20C makes a 100% payment in response to a withdrawal request from another company.
[0132]
Furthermore, in the transaction processing system 1D of the fourth embodiment, the withdrawal information is recorded as a history of the deposit account 20 actually used for withdrawal. That is, in the fourth embodiment, the transfer unit 42 selects one from the deposit accounts 20A to 20C according to the company (withdrawal source) according to the above-described conditions, and executes the withdrawal process. 51 outputs the withdrawal information including the withdrawal amount as history information of the deposit account 20 that has actually been withdrawn, and records it in the history database 63.
[0133]
Next, the operation (deduction service processing procedure) of the transaction processing system 1D of the fourth embodiment configured as described above will be described according to the flowchart shown in FIG. 19 (steps S31 to S36).
First, when there is a withdrawal request from a business partner, the linked account 20 is examined by searching a correspondence table as shown in FIG. 18 using the account number of the withdrawal target included in the withdrawal request as a key ( Step S31).
[0134]
When a plurality of linked deposit accounts 20 corresponding to the account numbers to be withdrawn are retrieved from the correspondence table (YES route of step S32), that is, when the account numbers to be withdrawn are those of the debit-only virtual account 10 Refers to the conditions registered in advance as additional information in the correspondence table [withdrawal source conditions corresponding to the above pattern (f)], and based on the withdrawal source information, determines the deposit account that actually performs the withdrawal process ( Step S33).
[0135]
Then, the transfer means 42 replaces the store number and account number for the debit-only virtual account 10 with the store number and account number for the linked deposit account 20 (any one of the deposit accounts 20A to 20C) (step S34). ), A normal withdrawal process is performed for the deposit account 20 (step S35). Thereafter, the history storage means 51 writes the current withdrawal information in the history database 63 as the history information of the deposit account 20 that has actually been subject to withdrawal.
[0136]
On the other hand, when the linked deposit account 20 corresponding to the account number to be withdrawn is not retrieved from the correspondence table (NO route of step S32), the deposit account to be withdrawn is regarded as not being the withdrawal-only virtual account 10. That is, the deposit account is regarded as a real one, and a normal withdrawal process for the deposit account is executed (step S36).
[0137]
As described above, according to the transaction processing system 1D as the fourth embodiment of the present invention, the same operational effects as those of the first embodiment can be obtained, and the deposit account 20 that actually withdraws from the withdrawal source information. The withdrawal virtual account number requested to be withdrawn is replaced with the linked deposit account number, and the withdrawal process as before is performed.
[0138]
Accordingly, when the history information recorded in the history database 63 is recorded in the passbook of each deposit account 20 by the bookkeeping means 70, the withdrawal information for one withdrawal source (customer) is consolidated into one passbook. The That is, in the example shown in FIG. 18, all the withdrawal information for the telephone company Q is recorded in the passbook of the deposit account 20A, all the withdrawal information for the power company P is recorded in the passbook of the deposit account 20B, All the withdrawal information is recorded in the passbook of the deposit account 20C. Thereby, transaction information management using a passbook becomes extremely easy.
[0139]
[5] Description of the fifth embodiment
FIG. 20 is a block diagram showing the configuration of a transaction processing system according to the fifth embodiment of the present invention. In the figure, the same reference numerals as those already described indicate the same or substantially the same parts, and details thereof are shown. The detailed explanation is omitted.
In the transaction processing system (bank system) 1E of the fifth embodiment shown in FIG. 20, a case where the transaction request is a deposit / transfer request from a certain company R (hereinafter sometimes referred to as a deposit request) will be described. The company R here corresponds to the business partner, the transaction requesting source, and the payment requesting source described above or later.
[0140]
As shown in FIG. 20, in the transaction processing system 1E, a plurality of (2 in the drawing) virtual accounts 11 dedicated for deposit / transfer, which are targets of deposit requests from the company R and have a function as a savings account, A plurality of deposit accounts 20 are established in advance, and an association means 33, a transfer means 43, a history storage means 52, a deposit / transfer dedicated virtual account history database 64, a bookkeeping means 70, and a judgment means 82 are provided. .
[0141]
Here, the association means 33, the transfer means 43, the history storage means 52, and the determination means 82 are realized as software by a computer (not shown) constituting a part of the transaction processing system 1E executing a predetermined program. It is like that. In the following, “deposit / transfer” may be simply referred to as “deposit” or “transfer”.
[0142]
The associating means 33 uses the correspondence table (database) that holds the correspondence between the account number of the deposit-only virtual account 11 and the account number of the deposit account 20, and uses the deposit-only virtual account 11 and the deposit account (linked account). ) 20. In the fifth embodiment, it is assumed that each deposit-only virtual account 11 is associated with one or more deposit accounts 20 by the association unit 33. As described in the first embodiment, the association unit 33 may be configured to associate the deposit-only virtual account 11 and the deposit account 20 using a predetermined numerical value conversion rule.
[0143]
FIG. 21 shows an example of a correspondence table between the deposit-only virtual account 11 and the linked deposit account 20 that is used in the association unit 33.
In the example shown in FIG. 21, the deposit-only virtual account 11 (hereinafter referred to as virtual account 11A) with the account number “3000000001” opened at the branch with the store number “100” is opened at the branch with the store number “100”. A deposit account 20 (hereinafter referred to as a deposit account 20A) with an account number “1000000001” and a deposit account 20 (hereinafter referred to as a deposit account 20B) with an account number “10000000011” opened at a branch with a store number “100”. Two are associated.
[0144]
Similarly, the deposit-only virtual account 11 (hereinafter referred to as the virtual account 11B) with the account number “3000000002” established at the branch with the store number “100” has the account number “at the branch number with the store number“ 200 ”. A deposit account 20 of “1000000001” (hereinafter referred to as deposit account 20C) is associated.
[0145]
Furthermore, in the correspondence table shown in FIG. 21, conditions for allocating the deposit / transfer amounts to the deposit accounts 20A to 20C are set in advance as additional information. For example, a predetermined condition is set so that the deposit accounts 20A and 20B associated with the virtual account 11A are deposited at a distribution ratio of 30%: 70%. In addition, a predetermined condition is set so that the deposit account 20C associated with the virtual account 11B receives the entire amount (100%) of the deposit / transfer amount. The predetermined condition set as additional information in the correspondence table will be described later.
[0146]
When the transfer unit 43 of the fifth embodiment receives a deposit / transfer request for each deposit-only virtual account 11, the transfer / transfer request is transferred to the deposit / transfer request for the deposit account 20 associated by the association unit 33. After the transfer, the deposit / transfer amount accompanying the deposit / transfer request is temporarily stored in the deposit-only virtual account 11, the deposit / transfer amount is set to 1 or more in accordance with the rules (the predetermined conditions) set in advance by the customer. The account is moved to the deposit account 20.
[0147]
At this time, in the fifth embodiment, as in the third embodiment, the amount to be transferred to one or more deposit accounts 20 is determined in accordance with a predetermined condition preset as additional information in the correspondence table as shown in FIG. It has become so. This predetermined condition is for determining a technique (allocation amount) for allocating the deposit / transfer amount requested for the virtual account 11A or 11B to the deposit accounts 20A to 20C.
[0148]
As the predetermined condition, for example, the following (a1) to (f1) are set as in the third embodiment, and the deposit / transfer amount is distributed as follows according to each predetermined condition.
(a1) Deposit / transfer amount distribution ratio (fixed ratio) to two or more deposit accounts
For example, according to the conditions shown in FIG. 21 set for the linked deposit accounts 20A and 20B, the distribution of the deposit / transfer amount for each of the two deposit accounts 20A and 20B is set to a fixed distribution ratio (for example, 30% : 70%). That is, 30% of the deposit / transfer amount is deposited into the deposit account 20A, and 70% of the deposit / transfer amount is deposited into the deposit account 20B.
[0149]
  (b1) Deposit / transfer maximum amount and deposit / transfer priority for each deposit account (fixed amount with priority)
  For example, if there are three accounts A, B, and C as the linked deposit account 20, the maximum deposit / transfer amount for accounts A and B is set as 100,000 yen and 150,000 yen, respectively. Set the transfer amount to all the remaining amount,Deposit / transferPriorities are set in the order of A, B, and C.
[0150]
In this case, if the deposit / transfer amount for the virtual account 11 is, for example, 50,000 yen, the entire amount of 50,000 yen is preferentially deposited into the account A. Further, if the deposit / transfer amount for the virtual account 11 is 200,000 yen, for example, 100,000 yen is deposited in the account A, and the remaining 200,000 yen is deposited in the account B. Furthermore, if the withdrawal amount with respect to the virtual account 11 is 400,000 yen, for example, 100,000 yen is deposited into the account A, 150,000 yen is deposited into the account B, and the remaining 150,000 yen is deposited into the account C. The
[0151]
(c1) Conditions based on the balance of two or more deposit accounts
For example, when there are three accounts A, B, and C as the linked deposit account 20, the deposit / transfer is preferentially performed on the account with the smallest balance. If the balance in accounts A, B, and C is 50,000 yen, 60,000 yen, and 20,000 yen, respectively, and there is a request for payment / transfer of 50,000 yen, the total amount of money transferred / transferred to account C is 50,000 Yen is deposited. Thereafter, when there is a request for deposit / transfer of 100,000 yen, the entire deposit / transfer amount of 100,000 yen is deposited in the account A.
[0152]
(d1) Conditions based on the date of occurrence of withdrawal request (change by date)
For example, if there are two accounts A and B as the linked deposit account 20, for example, the even month is credited to the account A and the odd month is credited to the account B.
(e1) Conditions based on the number of deposits / transfers from each deposit account (changes depending on the number of times)
For example, when there are two accounts A and B as the linked deposit account 20, for example, the account A and the account B are alternately deposited.
[0153]
(f1) Conditions based on request source information (name, company name) or request source identifier (company identifier) for payment / transfer requests
For example, if there are two accounts A and B as the linked deposit account 20, if the deposit / transfer request is from the company P, deposit to the account A, and if the deposit / transfer request is from the company Q, the account B Deposit money.
Needless to say, the above-described six patterns (a1) to (f1) can be used in combination.
[0154]
The history storage means 52 outputs the transaction information including the name (name) or company identifier of the company R and the deposit / transfer amount accompanying the deposit / transfer request to the history database 64 as the history information about the deposit-only virtual account 11. And store it. The name or company identifier of company R here corresponds to the request source information or request source identifier of the transaction request.
[0155]
Specifically, the determination unit 82 searches the correspondence table as shown in FIG. 21 using the account number specified in the deposit / transfer request as a key, and the account number linked to the account number (that is, the link). If there is a pre-deposit account number), it is determined that the account number belongs to the deposit-only virtual account 11, while if it does not exist (or the account number specified in the input / transfer request is entered in the correspondence table) If not, the account number is determined not to belong to the deposit-only virtual account 11 but to an actual deposit account.
[0156]
Now, the transaction processing system 1E of the fifth embodiment is for enhancing the convenience of a customer who uses a deposit / transfer service in a bank or the like.
In the conventional depositing method, the deposit is made using a bankbook or cash card of the deposit account to be deposited. In addition, when making the transfer, the deposit was made using the account number to be deposited. In these, one passbook (account number) is assigned to one account, and it is not possible to deposit two accounts at the same time. Therefore, for example, in order to deposit / transfer cash into two accounts, the same operation must be repeated twice. If such depositing / transferring work occurs regularly many times, the customer repeats the same work and feels inconvenient.
[0157]
Therefore, in the transaction processing system 1E of the fifth embodiment, the deposit-only virtual account 11 is opened in the same manner as the debit-only virtual account 10 of the first to fourth embodiments. This deposit-only virtual account 11 can set one or more deposit accounts 20 as a link destination. The deposit or transfer made to the deposit-only virtual account 11 is actually performed to the deposit account 20 linked to the virtual account 11.
[0158]
Next, the operation (payment / transfer service processing procedure) of the transaction processing system 1E of the fifth embodiment configured as described above will be described with reference to the flowchart shown in FIG. 22 (steps S41 to S46).
First, when there is a payment / transfer request from a business partner (company R), a correspondence table as shown in FIG. 21 is searched by using the account number of the deposit / transfer target included in the payment / transfer request as a key. The linked account 20 is checked (step S41).
[0159]
When one or more linked deposit accounts 20 corresponding to the deposit / transfer target account number are retrieved from the correspondence table (YES route in step S42), that is, the deposit / transfer target account number is the deposit-only virtual account 11 If it is, the deposit / transfer amount of each linked account 20 based on the condition [any one or combination of the above patterns (a1) to (f1)] previously registered in the correspondence table as additional information Is calculated (step S43).
[0160]
Then, the transfer means 43 replaces the store number and account number for the deposit-only virtual account 11 with the store number and account number for the linked deposit account 20 that is one or more, and deposit / transfer processing to each deposit account 20 is performed. This is performed for each deposit account 20 (step S44). Thereafter, the history storage means 52 writes the current deposit / transfer information into the history database 64 as history information about the customer's deposit-only virtual account 11 (step S45).
[0161]
On the other hand, if the linked deposit account 20 corresponding to the account number to be deposited / transferred is not retrieved from the correspondence table (NO route in step S42; or if the account does not exist), the deposit / transfer account deposit It is considered that the account is not the deposit-only virtual account 11, that is, the deposit account is regarded as a real one, and normal deposit processing for the deposit account is executed (step S46).
[0162]
As described above, according to the transaction processing system 1E as the fifth embodiment of the present invention, the deposit-only virtual account 11 is opened separately from the deposit account 20 for managing deposits. The deposit / transfer request that can be linked to the deposit account 20 and is generated for the deposit-only virtual account 11 is automatically transferred to the deposit / transfer to the linked deposit account 20 by the transfer means 43. Further, an account number different from the account number of the deposit account 20 is assigned to the deposit-only virtual account 11, and the customer or a third party (company R) can use the deposit-only virtual account number to deposit / Perform the transfer process.
[0163]
At this time, the deposit / transfer information is recorded as history information of the deposit-only virtual account 11, and only the deposit / transfer information is recorded in the passbook of the deposit-only virtual account 11, so the customer uses the passbook instead of the household account book. Income management becomes convenient.
Further, only the deposit / transfer information is entered in the passbook of the deposit-only virtual account 11, and no information such as deposit balance that is not desired to be known to others is entered. Therefore, even if the passbook is lost or stolen, it is possible to reliably prevent the above information from leaking to others, and the customer can carry the passbook with peace of mind and carry the passbook at the time of writing. You will be able to keep a book anytime without worrying about it.
[0164]
Further, when the customer wants to change the deposit account 20 of the deposit destination to another account, it is only necessary to change the linked deposit account associated with the deposit-only virtual account 11 by the association means 33 (correspondence table). In other words, since the store number and account number for the deposit-only virtual account 11 that has been notified in advance to the business partner (company R) will not be changed, there is no need to notify the customer (company R) of the change and notification. Therefore, the deposit account 20 to be traded can be changed very easily.
[0165]
At this time, as a linked deposit account 20 associated with the deposit-only virtual account 11 by the association means 33 (correspondence table), a deposit account or a virtual account belonging to another bank different from the bank to which the deposit-only virtual account 11 belongs. By assigning, it becomes extremely easy to transfer a payment / transfer request from a third party (business R or other business partner) to an account belonging to another bank. Therefore, when the deposit account 20 is changed, the bank change (account transfer operation) can be performed very easily only by the contract between the banks.
[0166]
Further, the virtual account 11 is dedicated for deposit / transfer, and even if the passbook of the virtual account 11 is lost or stolen, the virtual account 11 can be used from the virtual dedicated virtual account 11 by using a forged image or the passbook. Cash cannot be withdrawn. Therefore, there is no worry about misuse of the bankbook, and the customer can carry the bankbook with peace of mind and can always make a book entry. In the present embodiment, since the stamp is not attached to the passbook of the deposit-only virtual account 11, the registered seal of the deposit account 20 cannot be forged.
[0167]
Furthermore, in the present embodiment, the association process between the account number of the deposit-only virtual account 11 and the account number of the deposit account 20 by the association unit 33 is performed by using a correspondence table holding the correspondence relationship or a predetermined numerical value conversion rule. It is very easy to use.
[0168]
Furthermore, it becomes possible to transfer cash to two or more deposit accounts 20 in accordance with a predetermined condition consisting of any one or combination of the patterns (a1) to (f1). Therefore, it is possible to very easily perform processing for distributing cash deposited by a customer or money transferred from a third party to a plurality of deposit accounts 20 at the same time, thereby greatly improving convenience for the customer.
[0169]
As described above, according to the transaction processing system 1E of the fifth embodiment, in the unlikely event that the registered seal stamp image is stolen, misuse and fraud can be reliably prevented, and payment / transfer This greatly improves the convenience of customers using the service.
[0170]
[6] Other
The present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the spirit of the present invention.
For example, in the embodiment described above, the system for performing the withdrawal process and the system for performing the deposit / transfer process have been described separately, but these systems may be integrated. Moreover, you may combine transaction processing system 1A-1E demonstrated by 1st-5th embodiment suitably.
[0171]
[7] Appendix
[Appendix 1] A virtual account dedicated to the transaction that is the subject of the transaction request,
With one or more deposit accounts open,
Association means for associating the virtual account with the one or more deposit accounts;
Transfer means for transferring the transaction request for the virtual account to the transaction request for the one or more deposit accounts associated by the association means upon receipt of the transaction request for the virtual account is provided. A transaction processing system.
[0172]
[Supplementary Note 2] The transaction processing system according to Supplementary Note 1, wherein the transaction request is a withdrawal request for the virtual account.
[Appendix 3] The virtual account has a function as a savings account,
Upon receipt of the withdrawal request, the transfer means moves a part of the balance existing in the one or more deposit accounts to the virtual account according to a rule set in advance by a customer, and then responds to the withdrawal request. The transaction processing system according to appendix 2, wherein transaction processing is performed.
[0173]
[Appendix 4] Two or more of the deposit accounts associated with the virtual account are opened by the association means,
4. The transaction processing system according to appendix 3, wherein a withdrawal amount from each deposit account is determined according to a predetermined condition included in the rules when processing according to the withdrawal request.
[0174]
[Supplementary Note 5] The transaction processing system according to Supplementary Note 4, wherein a distribution ratio of the withdrawal amount to two or more of the deposit accounts is set as the predetermined condition.
[Supplementary Note 6] The transaction processing system according to Supplementary Note 4, wherein a withdrawal upper limit amount and a withdrawal priority order of each deposit account are set as the predetermined condition.
[Supplementary Note 7] The transaction processing system according to Supplementary Note 4, wherein a condition based on a balance of two or more of the deposit accounts is set as the predetermined condition.
[0175]
[Supplementary Note 8] The transaction processing system according to Supplementary Note 4, wherein a condition based on an occurrence date of the withdrawal request is set as the predetermined condition.
[Supplementary Note 9] The transaction processing system according to Supplementary Note 4, wherein a condition based on the number of withdrawals from each deposit account is set as the predetermined condition.
[Supplementary Note 10] The transaction processing system according to Supplementary Note 4, wherein a condition based on request source information or a request source identifier of the withdrawal request is set as the predetermined condition.
[0176]
[Supplementary Note 11] The withdrawal information including the withdrawal amount determined according to the predetermined condition is output as a history of a deposit account that has actually been withdrawn among the two or more deposit accounts. The transaction processing system according to any one of Appendix 4 to Appendix 10.
[Supplementary Note 12] The transaction processing system according to any one of Supplementary notes 1 to 3, wherein the transaction request is a deposit / transfer request for the virtual account.
[0177]
[Supplementary Note 13] The virtual account has a function as a savings account,
When the transfer means receives the deposit / transfer request, the deposit / transfer amount accompanying the deposit / transfer request is temporarily stored in the virtual account, and then the deposit / transfer is performed according to a rule preset by the customer. 13. The transaction processing system according to appendix 12, wherein the amount is transferred to the one or more deposit accounts.
[0178]
[Appendix 14] Two or more deposit accounts associated with the virtual account are established by the association means,
14. The transaction processing system according to appendix 13, wherein a deposit / transfer amount to each deposit account is determined according to a predetermined condition included in the rules when processing according to the deposit / transfer request.
[0179]
[Supplementary Note 15] The transaction processing system according to Supplementary Note 14, wherein, as the predetermined condition, a distribution ratio of deposit / transfer amounts to two or more of the deposit accounts is set.
[Supplementary Note 16] The transaction processing system according to Supplementary Note 14, wherein the deposit / transfer upper limit amount and deposit / transfer priority order of each deposit account are set as the predetermined condition.
[0180]
[Supplementary Note 17] The transaction processing system according to Supplementary Note 14, wherein a condition based on a balance of two or more deposit accounts is set as the predetermined condition.
[Supplementary Note 18] The transaction processing system according to Supplementary Note 14, wherein a condition based on a date of occurrence of the deposit / transfer request is set as the predetermined condition.
[0181]
[Supplementary Note 19] The transaction processing system according to Supplementary Note 14, wherein a condition based on the number of deposits / transfers to each deposit account is set as the predetermined condition.
[Supplementary Note 20] The transaction processing system according to Supplementary Note 14, wherein a condition based on request source information or a request source identifier of the deposit / transfer request is set as the predetermined condition.
[0182]
[Supplementary Note 21] The deposit / transfer information including the deposit / transfer amount determined according to the predetermined condition is output as the history of the deposit account that is the actual deposit / transfer target among the two or more deposit accounts. The transaction processing system according to any one of Supplementary Note 14 to Supplementary Note 20, which is characterized in that.
[0183]
[Supplementary Note 22] The present invention is characterized in that means for storing or outputting transaction information including request source information or a request source identifier of the transaction request and a transaction amount accompanying the transaction request as a history of the virtual account is provided. The transaction processing system according to any one of supplementary notes 1 to 21.
[Supplementary Note 23] The transaction processing system according to Supplementary Note 22, wherein only the history of the transaction information is printed out in the passbook for the virtual account.
[0184]
[Supplementary Note 24] A judgment means for judging whether or not the account number designated by the transaction request is that of the virtual account is further provided.
When the determination means determines that the account number belongs to the virtual account, the transaction request is transferred by the transfer means, while the determination means determines that the account number is the virtual account. If it is determined that the transaction request is not, the transaction process corresponding to the transaction request is executed for an existing deposit account corresponding to the account number. The transaction processing system according to any one of the above.
[0185]
[Supplementary Note 25] The correspondence unit uses the correspondence table that holds the correspondence relationship between the account number of the virtual account and the account number of the one or more deposit accounts, and The transaction processing system according to any one of Supplementary Note 1 to Supplementary Note 24, wherein:
[Supplementary note 26] Any one of Supplementary notes 1 to 24, wherein the association unit associates the virtual account with the one or more deposit accounts using a predetermined numerical value conversion rule. Transaction processing system described in one.
[0186]
[Supplementary Note 27] Based on at least one of request source information or a request source identifier of the transaction request, a transaction amount accompanying the transaction request, and an execution date of processing according to the transaction request, The transaction processing system according to any one of appendix 1 to appendix 26, further comprising a statistic calculation means for calculating and outputting a statistic regarding the transaction request for the virtual account as transaction information .
[0187]
[Supplementary Note 28] The transaction according to any one of Supplementary Note 22, Supplementary Note 23, and Supplementary Note 27, wherein the transaction information is configured to be viewable from outside the transaction processing system via a communication line. Processing system.
[Supplementary Note 29] The one or more deposit accounts associated with the virtual account include a deposit account or a virtual account belonging to another bank different from the bank to which the virtual account belongs. The transaction processing system according to any one of -Appendix 28.
[0188]
【The invention's effect】
  As detailed above, the transaction processing system of the present invention.ToAccording to this, a transaction request for a virtual account dedicated to transactions is automatically transferred to a transaction request for one or more deposit accounts associated with the virtual account. In addition to notifying the account number of the virtual account, there is no need to make the account number of the deposit account public, and changing the deposit account of the transaction only by changing the correspondence between the virtual account and one or more deposit accounts be able to. Therefore, in the unlikely event that a registered seal stamp is stolen, misuse and fraud can be reliably prevented, and the convenience of customers using various transaction services such as withdrawals, deposits and transfers is greatly improved. It will improve.
[0189]
More specifically, according to the transaction processing system of the present invention, the following effects or advantages can be obtained.
(1) The change of the deposit account of the transaction object (withdrawal object or deposit / transfer object) is executed only by replacing the linked deposit account associated with the virtual account by the associating means. In other words, the account number of the virtual account that has been notified in advance to the transaction requester (withdrawal requestor or deposit / transfer requestor) will not be changed, so there will be no need to notify and contact the change, and the deposit for the transaction Account changes can be made very easily.
[0190]
(2) Transaction request (withdrawal request or payment) by making the linked deposit account associated with the virtual account by the association means a deposit account or virtual account belonging to another bank different from the bank to which the virtual account belongs -Transfer request) can be transferred to an account belonging to another bank. Therefore, the bank can be changed very easily when changing the deposit account.
[0191]
(3) As a passbook for the virtual account, a transaction account dedicated to this virtual account is created. That is, a bankbook dedicated for withdrawal and a bankbook dedicated for deposit / transfer are created, and the withdrawal history and deposit / transfer history can be consolidated into one passbook respectively. Therefore, since only the information related to the transactions performed in the virtual account is printed in the passbook of the virtual account, the transaction information management using the passbook becomes extremely easy.
[0192]
(4) Only the transaction information history is printed in the passbook of the virtual account, and information that you do not want to be known to others (for example, payment information such as salary and deposit balance) is not entered. In this case, it is possible to reliably prevent the above information from leaking to other people, and the customer can carry the passbook with peace of mind and can always keep the book.
[0193]
(5) The virtual account is for transactions only (withdrawal or deposit / transfer), and if the passbook is lost or stolen, it can be used with a counterfeited image or virtual account passbook. You can't withdraw cash from it. Therefore, the customer can carry the bankbook with peace of mind and can always make a book entry.
[0194]
(6) In the procedure for a business partner (transaction requester) that is performed prior to the transaction (withdrawal or deposit / transfer), it is not necessary to disclose the account number of the actual deposit account to a third party. Conventionally, when sending a deposit account number necessary for the procedure and a seal of a registered seal with a sealed letter etc., the account number and the seal are stolen during the notification destination or in the middle of sending, and it is not used for illegal cash withdrawal I was worried about it. On the other hand, in the present invention in which the account number of the virtual account and the seal stamp image are sent to the business partner, even if the account number of the virtual account and the seal stamp image are used, cash can be transferred from the virtual account. It cannot be pulled out. Therefore, it is possible to completely eliminate the anxiety associated with the above procedure.
[0195]
(7) It becomes possible to withdraw cash from two or more deposit accounts according to predetermined conditions. For example, in the case of splitting a fee to be paid to a certain business partner by several people and paying the business partner by direct debit, one of the multiple people has traditionally become a coordinator, Since the fees collected from the members are deposited in the deposit account designated for withdrawal, such work is troublesome.
[0196]
On the other hand, in the present invention, the above-mentioned payment can be made by simply associating the virtual account with the deposit account of the paying member by the associating means, and setting in advance a predetermined condition (such as the amount burden ratio of each person). It can be done easily and contributes to improving convenience for customers. Also, depending on how the predetermined conditions are set, when the balance of one deposit account to be withdrawn becomes 0 due to the withdrawal process, the withdrawal target can be switched to a spare deposit account, further improving convenience for customers. Contribute to.
[0197]
(8) Deposit / transfer amounts from business partners (payment / transfer requesters) can be distributed and transferred to two or more deposit accounts according to predetermined conditions. Accordingly, it is possible to very easily perform the process of distributing and transferring the deposited money to a plurality of deposit accounts at the same time, which contributes to improvement of convenience for customers.
[0198]
(9) The associating process between the account number of the virtual account and the account number of one or more deposit accounts by the associating means is extremely difficult by using a correspondence table holding the correspondence or a predetermined numerical value conversion rule. Easy to do.
(10) Based on at least one of the request source information or request source identifier of the transaction request, the transaction amount associated with the transaction request, and the execution date of the processing according to the transaction request, By calculating the statistics about the transaction request as the transaction information, the customer can easily grasp the transaction status by referring to the statistics, which contributes to further improvement of convenience for the customer.
[0199]
(11) By enabling the transaction information (withdrawal information or payment / transfer information) about the virtual account to be viewed from outside the transaction processing system via a communication line (for example, the Internet), the customer can use the mobile terminal or home. Can be easily referred to using the terminal, and contributes to further improvement of convenience for customers.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a transaction processing system as a first embodiment of the present invention.
FIGS. 2A and 2B are diagrams showing examples of correspondence tables used by association means in the first embodiment.
FIG. 3 is a diagram for explaining a procedure prior to starting a withdrawal service in the first embodiment.
FIG. 4 is a flowchart for explaining a processing procedure when starting a withdrawal service according to the first embodiment.
FIG. 5 is a flowchart for explaining a procedure for a book entry process to a passbook for a debit-only virtual account in the first embodiment.
FIG. 6 is a diagram showing an example of history information of a debit-only virtual account in the first embodiment.
FIG. 7 is a block diagram showing a main configuration of a transaction processing system as a second embodiment of the present invention.
FIG. 8 is a block diagram showing a main configuration of a transaction processing system as a second embodiment of the present invention.
FIG. 9 is a diagram showing an example of history information registered in a withdrawal-dedicated virtual account history database according to the second embodiment.
FIG. 10 is a diagram showing an example of a company identifier table in the second embodiment.
FIG. 11 is a flowchart for explaining a withdrawal service processing procedure in the second embodiment;
FIG. 12 is a flowchart for explaining a processing procedure when a withdrawal information inquiry is made from a customer terminal in the second embodiment.
FIG. 13 is a block diagram showing a configuration of a transaction processing system as a third embodiment of the present invention.
FIG. 14 is a diagram showing an example of a correspondence table used by the association unit in the third embodiment.
FIG. 15 is a flowchart for explaining a processing procedure when starting a withdrawal service according to the third embodiment.
FIG. 16 is a flowchart for explaining a processing procedure of a withdrawal service in the third embodiment.
FIG. 17 is a block diagram showing a configuration of a transaction processing system as a fourth embodiment of the present invention.
FIG. 18 is a diagram showing an example of a correspondence table used by association means in the fourth embodiment.
FIG. 19 is a flowchart for explaining a withdrawal service processing procedure in the fourth embodiment;
FIG. 20 is a block diagram showing a configuration of a transaction processing system as a fifth embodiment of the present invention.
FIG. 21 is a diagram showing an example of a correspondence table used by association means in the fifth embodiment.
FIG. 22 is a flowchart for explaining a processing procedure of a deposit / transfer service in the fifth embodiment.
[Explanation of symbols]
1A, 1B, 1C, 1D, 1E Transaction processing system (bank system)
10 Debit-only virtual account
11 Virtual account for deposit
20 Deposit accounts (linked deposit accounts, savings accounts)
30, 31, 32, 33 association means
40, 41, 42, 43 Transfer means
50, 51, 52 History storage means
60 History database for withdrawal-only virtual accounts
61 Company identifier table database (withdrawal identifier table database)
62 Password database
63 History database
64 Dedicated virtual account history database
70 bookkeeping means
71 Communication Department
72 Dialogue processing part
73 Identity Recognition Department
74 withdrawal information statistical processing section (statistics calculation means)
75 Statistical results visualization section
76 HTML Documentation Department
80, 81, 82 judgment means
90 Communication line (Internet, telephone line)
100 Customer terminal (Internet browser)

Claims (6)

One or more deposit accounts,
A virtual account dedicated to the transaction, which is a target of the transaction request, and a virtual account assigned with an account number different from any of the account numbers of the one or more deposit accounts is opened,
Association means for associating the virtual account with the one or more deposit accounts based on the correspondence between the account number of the virtual account and the account number of the one or more deposit accounts;
Transfer means for transferring the transaction request for the virtual account to the transaction request for the one or more deposit accounts associated by the association means upon receipt of the transaction request for the virtual account is provided. A transaction processing system. Two or more of the deposit accounts associated with the virtual account are opened by the association means,
When the transfer means receives a withdrawal request for the virtual account as the transaction request and performs transaction processing according to the withdrawal request according to a rule set in advance by a customer, the withdrawal amount from each deposit account is determined by the rule The transaction processing system according to claim 1, wherein the transaction processing system is determined according to a predetermined condition included in the transaction.   The transaction processing system according to claim 2, wherein a distribution ratio of the withdrawal amount with respect to the two or more deposit accounts is set as the predetermined condition.   The transaction processing system according to claim 2, wherein a withdrawal upper limit amount and a withdrawal priority order of each deposit account are set as the predetermined condition.   The transaction processing system according to claim 2, wherein a condition based on an occurrence date of the withdrawal request is set as the predetermined condition.   The transaction processing system according to claim 2, wherein a condition based on the number of withdrawals from each deposit account is set as the predetermined condition.

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