JP5508474B2 - Transfer system - Google Patents

Description

  The present invention relates to a transfer system that performs a transfer process in a financial institution.

  Conventionally, when a bank transfer procedure is performed at a bank, when the payee confirms the payment using ATM (automated teller machine) or Internet banking, the transferee's name and name etc. , “Name, etc.”). Therefore, when the recipient wants to know not only the name of the transferor but also the address, it is necessary to check the address of the transferer separately. This has the following problems.

  For example, NPO corporations (special nonprofit corporations) whose main purpose is to conduct specified nonprofit activities are certified by the competent authority (prefectural governor or designated city head) as meeting certain requirements. There is a corporation called “Authorized NPO Corporation”. This certified NPO corporation has the advantage of being able to receive tax incentives, but in order to be certified by the competent authority, the “date of receipt”, “name or name”, “ A list of “amount” and “address or location of main office” may have to be submitted to the competent authority (see Non-Patent Document 1).

Cabinet Office, “Guide for Certification”, [online], Cabinet Office, [Search April 23, 2012], Internet <URL: https://www.npo-homepage.go.jp/pdf/201204_manual /201204_nintei_tebiki.pdf>

  However, as mentioned above, when the donor performs the deposit transfer procedure for the account of the NPO corporation, the NPO corporation on the recipient side can confirm the name of the donor, but the address confirmation I can't. Therefore, when an NPO corporation submits a list of donors to the competent authority, a list of the addresses of the donors must be created by separate work. In addition to the transfer of donations, for example, when the price of goods is paid by payment during shopping, the recipient of the price wants to obtain information on the address as well as the name of the transfer There is a request. In this case, in addition to the transfer procedure itself, the transfer person must register the member information and the delivery address, and the recipient can link the address information based on the name and amount of the transfer person when paying the transfer fee. Had gone.

  In recent years, it is also possible to carry out a transfer procedure by Internet banking using the services of financial institutions via the Internet, but there are similar problems in Internet banking.

  In addition, when performing the transfer procedure at the post office counter, the address can be written on the transfer form in addition to the name of the transfer person, but the recipient only receives this information on a paper basis. Could not be received as electronic data. Therefore, when it is desired to create a list of donors, work such as converting the address information into data is necessary, and there is the same problem as when making a transfer at a bank.

  Therefore, in order to solve the above-described problems, the present invention, in a transfer procedure in a financial institution, a payee recipient performs a separate operation of associating a transfer person with the address information of the transfer person at the same time as the transfer payment is generated. It aims at providing the transfer system which can acquire a transfer person's address in a data format, without the need.

  In order to solve the above-described problem, one aspect of the present invention is an inquiry terminal operated by a payee who receives a transfer process at a transfer terminal operated by a transfer person who performs a transfer procedure and receives a transfer money of the transfer process. A transfer system that provides information on the transfer process to an address information acquisition unit that acquires address information related to the address of the transfer person, and the transfer person that is acquired directly or indirectly from the transfer terminal. Using the transfer information including identification information for identifying, the transfer amount, and account information related to the account of the transfer destination, and the address information, the transfer side accepts the transfer process, which is a message related to the transfer process An outgoing message that is a message in a specific format defined by a predetermined communication protocol adopted between the financial institution and the receiving financial institution to which the account of the transfer destination belongs. A message generation unit for generating the message for transmission by storing the address information in a specific area of the message for transmission, and the sender's message from the message for transmission received by the receiving financial institution. Identification information and address information, as well as data for a payment inquiry as a result of the transfer process by extracting the transfer amount and data of a specific format defined by the predetermined communication protocol A transfer payment details data generation unit that generates the transfer payment details data by storing the address information in a specific area of the transfer payment details data.

  In addition, another aspect of the present invention relates to the transfer process to a reference terminal operated by a payee who receives a transfer process at a transfer terminal operated by a transfer person who performs a transfer procedure and receives a transfer money of the transfer process. A transfer method executed in a transfer system implemented in a computer that provides information, the step of acquiring address information related to the address of the transfer person, and the directly or indirectly acquired from the transfer terminal Using the transfer information including the identification information for identifying the transfer person, the transfer amount, and the account information related to the account of the transfer destination, and the address information, a message regarding the transfer process, the transfer process A specific format defined by a predetermined communication protocol adopted between the accepting financial institution and the receiving financial institution to which the account of the payee belongs belongs. When generating the outgoing message that is the electronic message, the step of storing the address information in a specific area of the outgoing message and generating the outgoing message, and from the outgoing message received by the receiving financial institution Data for identifying the transfer person's identification information and address information, and the transfer amount, and for deposit inquiry as a result of the transfer process, data in a specific format defined by the predetermined communication protocol And a step of storing the address information in a specific area of the transfer payment details data to generate the transfer payment details data when generating the transfer payment details data.

  In addition, another aspect of the present invention relates to the transfer process to a reference terminal operated by a payee who receives a transfer process at a transfer terminal operated by a transfer person who performs a transfer procedure and receives a transfer money of the transfer process. A program for causing a computer that provides information to execute a transfer process, in which the computer acquires address information related to the address of the transfer person, and the transfer that is directly or indirectly acquired from the transfer terminal Using the transfer information including identification information for identifying a person, the transfer amount, and the account information related to the account of the transfer destination, and the address information, it is a message regarding the transfer process and accepts the transfer process A specific format defined by a predetermined communication protocol adopted between the transfer-side financial institution and the receiving-side financial institution to which the transfer destination account belongs When generating a transmission message that is a message, the address information is stored in a specific area of the transmission message and the transmission message is generated, and the transmission message received by the receiving financial institution Transferee identification information and address information, and the transfer amount are extracted, and are data for a payment inquiry as a result of the transfer process, which is data in a specific format defined by the predetermined communication protocol This is a program for executing the process of storing the address information in a specific area of the transfer receipt details data and generating the transfer receipt details data when generating receipt details data.

  According to the present invention, in a transfer procedure in a financial institution, a recipient of a transfer money can acquire the address of the transfer person in the form of data associated with the transfer-specific data. As a result, for example, the recipient can easily list not only the name of the transferor but also the address, etc. without performing the linking operation at the same time as the transfer deposit is generated. In addition, even when there is a transfer person with the same surname and the same name, it is possible to refine the identity confirmation by providing information identifying an individual as an address.

It is a figure which shows an example of the whole structure of the transfer system which concerns on one Embodiment of this invention. It is a figure which shows an example of a structure of each apparatus of the transfer system which concerns on one Embodiment of this invention. It is a figure which shows an example of the format of the message | telegram for transfer. It is a figure which shows an example of the format of the message | telegram for transmission. It is a figure which shows an example of the format of transfer payment details data. It is a figure which shows an example of the data format at the time of hold | maintaining transfer requester name, transfer amount, and address information temporarily. It is a flowchart which shows an example of the process in the transfer system which concerns on one Embodiment of this invention. It is a flowchart which shows an example of the process in the transfer system which concerns on one Embodiment of this invention. It is a flowchart which shows an example of the process in the transfer system which concerns on one Embodiment of this invention. It is a flowchart which shows an example of the process in the transfer system which concerns on one Embodiment of this invention.

  Embodiments of the present invention will be described below with reference to the drawings. In the drawings referred to in the following description, the same parts as those in the other drawings are denoted by the same reference numerals.

(Overall configuration of transfer system)
FIG. 1 is a diagram showing an example of the overall configuration of a transfer system according to an embodiment of the present invention. In this embodiment, as an example, it is assumed that the account of the transfer person (withdrawal account) and the account of the payee (deposit account) are accounts of different financial institutions. Furthermore, as an example, the transfer person uses the ATM terminal (ATM terminal 150a) of the financial institution to perform the transfer procedure, and the recipient operates a terminal such as a personal computer (inquiry terminal 160) to connect to the Internet banking site. It is assumed that the transfer is confirmed.

  The transfer system 100 includes a host device 110 on the transfer side, and this host device 110 is connected to one or a plurality of ATM servers, and these ATM servers (in addition, an ATM terminal belonging to the ATM server is directly or indirectly connected). Control). In FIG. 1, as an example, only the ATM server 120 is connected to the host device 110, but a plurality of ATM servers can be connected to the host device 110.

  The host device 110 on the transfer side is connected to the host device 170 on the transfer side via the Zengin Network 20 of the Zengin System. The host device 170 is a host of an EB (Electronic Banking) system. It is connected to an EB host device 140 that is a device. The host device 170 is also connected to a system such as a billing system (not shown). In FIG. 1, as an example, only the EB host device 140 is connected to the host device 170, but a plurality of EB host devices may be connected to the host device 170.

  Here, the Zengin System is a computer system that employs the Zenginkyo Standard Communication Protocol, and is a computer system installed in the National Bank Association. Transactions between different banks are conducted through the Zengin System. When the sending bank (destination bank) and the receiving bank (destination bank) are different (that is, when transactions are made between different banks), the host device 110 sends a transfer message generated by the ATM server 120. A telegram converted to the Zengin format (hereinafter referred to as “transmission telegram”) is transmitted to the Zengin Network 20. The outgoing message is transmitted to the destination bank via the Zengin Network 20. When the host bank 170 receives the outgoing message, the paying system at the destination bank performs a transfer (payment) process to the payee's account by an account system (not shown) or the like. In addition, when the payee recipient connects to the internet banking site from the inquiry terminal 160 and confirms the transfer, the EB host device 140 generates transfer deposit details data using the outgoing message received by the host device 170. And transmitted to the inquiry terminal 160.

  When the destination bank and the destination bank are the same (that is, in the case of a transaction within the same bank), the host device 110 generally transfers money based on the information of the transfer destination specified in the transfer message. (Deposit) processing is performed, but in the transfer system of this embodiment, the host device 110 generates a transmission message. Thereby, the transfer system which concerns on this embodiment is realizable, without adding a big modification to the existing transfer system.

  The ATM server 120 is connected to a plurality of ATM terminals over the network, and can control ATM terminals belonging to itself (in FIG. 1, ATM terminals 150a and 150b). Similarly, the EB host device 140 is connected to a plurality of inquiry terminals via a network, and receives access from an inquiry terminal (inquiry terminal 160 in FIG. 1) belonging to itself.

  The host device 110 and the ATM server 120 can access an ATM information database (hereinafter referred to as “DB”) 130 and a customer management DB 132a of the bank to which the host device 110 belongs. In addition, information can be extracted from each DB, or information can be stored in each DB. Similarly, the host device 170 and the EB host device 140 can access the customer management DB 132b of the bank to which the host device 170 and EB host device 140 belong to retrieve information or store information.

  The ATM information DB 130 is a database that stores information related to each ATM terminal, such as a terminal number indicating a terminal number assigned in advance to each ATM terminal and a bookstore number indicating a branch to which each ATM terminal belongs. It is possible to specify which branch of the bank each ATM terminal belongs based on the book store number, and based on the terminal machine number, each ATM terminal has an ATM that the branch specified by the book store number has jurisdiction over. It is possible to specify which of the terminals (that is, what number of terminals). The ATM information DB 130 also stores information such as the processing date and time when processing is performed at the ATM terminal and the terminal processing number assigned by the ATM server 120 to identify each processing, by the ATM server 120. The

  The customer management DB 132a has a bank customer to which the host device 110 belongs, and the customer management DB 132b has authentication information for authenticating the bank customer to which the host device 170 belongs, the name, address, telephone number, etc. of each customer. And customer information including account information such as an account number is stored. For example, when a customer inserts a cash card into an ATM terminal to withdraw cash and enters a password, the inserted cash card information and password are checked against authentication information stored in the customer management DB 132a. As a result, the identity of the customer can be authenticated. Further, when the customer who has accessed the ATM terminal is specified by the personal authentication, the address of the customer can be taken out from the customer management DB 132a.

  The EB host device 140 is a host device including functions of a Web server and an application server (not shown), and is connected via the Internet 30 to an inquiry terminal 160 operated by a transfer recipient. Further, like the ATM server 120, the EB host device 140 can access the customer management DB 132b of the bank to which the EB host device 140 belongs. Then, customer authentication can be performed, and customer information such as a customer name, address, and account number stored in the customer management DB 132b can be read.

  The inquiry terminal 160 is a terminal capable of Web access, and specifically, for example, a personal computer, a mobile phone, a smartphone, or the like.

  Here, the flow of a normal transfer process will be briefly described. In the case of a normal transfer process using a cash card, for example, a customer first inserts a cash card into the ATM terminal 150a and operates an input device such as an input key or a touch panel provided on the ATM terminal 150a to obtain a password. In addition to inputting, information such as the transfer amount and the account of the transfer destination (hereinafter referred to as “payment account” as appropriate) are input. Then, the ATM server 120 connected to the ATM terminal 150 a creates a transfer message (hereinafter referred to as “transfer message”) from the input information, and transmits it to the host device 110. The host device 110 performs a withdrawal (withdrawal) process of the transfer amount specified by the transfer message from the account of the requester (transfer person) specified by the transfer message received from the ATM server 120. Further, the host device 110 converts the received transfer message into a message format (hereinafter referred to as “Zengin format”) compliant with the Zenginkyo Standard Communication Protocol.

  Here, in the present embodiment, information related to the address of the transfer person is stored in the specific area in the above-described outgoing message, and is transmitted to the recipient's account. As a result, not only the name of the transfer person and the like, but also information related to the address can be provided to the recipient.

  FIG. 2 is a diagram illustrating an example of the configuration of each device of the transfer system according to the present embodiment. Hereinafter, the configuration of each apparatus will be described in detail with reference to FIG.

(ATM server configuration)
First, the configuration of the ATM server 120 will be described. As shown in FIG. 2, the ATM server 120 includes a receiving unit 122, a transfer message generation unit 124, and a transfer message transmission unit 126.

  The receiving unit 122 receives, from the ATM terminal 150a, transfer information including identification information for identifying a transfer person, a transfer amount, and account information related to a transfer destination account. The identification information for identifying the transfer person is acquired directly or indirectly from the ATM terminal 150a, and specifically includes, for example, the name of the transfer person, an account number, and the like. In addition, in the transfer of shopping charges, the identification information may be a customer number assigned to the product purchaser from the product sales company. However, the present invention is not limited to these, and it is sufficient if the recipient can uniquely identify the transfer person.

  The transfer message generation unit 124 generates a transfer message that is a message including the transfer information received by the reception unit 122 and the terminal information related to the ATM terminal 150 a read from the ATM information DB 130. FIG. 3 is a diagram illustrating an example of the format of a transfer message. The transfer message is generally referred to as an “ATM creation message” or the like. The transfer message (ATM creation message) shown in FIG. 3 includes “ATM information” related to the ATM terminal 150a, “sender information” such as the name and account number of the transfer person, and the recipient of the transfer money. "Recipient information" such as an account number or account name.

  The transfer message transmission unit 126 transmits the transfer message generated by the transfer message generation unit 124 to the host device 110.

  In this embodiment, when the transfer person performs a transfer procedure using a cash card, the address information acquisition unit 112 of the host device 110 refers to the customer management DB 132a as described later, and an address related to the transfer person's address. Get information. However, when the transfer person performs a transfer procedure with cash, the receiving unit 122 receives address information that the transfer person inputs by operating the input device 152 such as an operation key of the ATM terminal 150a from the ATM terminal 150a. It may be like this. In this case, when the transfer message transmission unit 126 transmits the transfer message to the host device 110, the address information of the transfer person is included in the transfer message as part of the “sender information” of the transfer message. It may be transmitted to the device 110, or may be transmitted to the host device 110 as separate data in association with the transfer message.

(Configuration of sending host device)
Next, the configuration of the host device 110 that is the host device on the transmission side will be described. As shown in FIG. 2, the host device 110 includes an address information acquisition unit 112 and a transmission message generation unit 114.

  The address information acquisition unit 112 acquires address information related to the address of the transfer person. The address information may not be the address of the transfer person itself, and may be, for example, a character string representing a part of the address, data obtained by converting the address into another format based on some rule, or the like. In this case, as will be described later, when the transfer deposit details data transmission unit 144 of the EB host device 140 transmits the transfer deposit details data or the transfer status confirmation data generated based on this to the inquiry terminal 160. In addition, the address information may be reversely converted to the original data format and transmitted. In the present embodiment, the address information will be described as a character string in which a zip code (7 digits) and other details including address are connected. However, it is not limited to this.

  The outgoing message generation unit 114 is a message related to the transfer process from the transfer message received from the ATM server 120 and the address information acquired by the address information acquisition unit 112, and a transfer-side financial institution that receives the transfer process. A transmission message, which is a message in a specific format defined by a predetermined communication protocol adopted with the receiving financial institution to which the account of the transfer destination belongs, is generated. In the present embodiment, the case where the predetermined communication protocol is the Zenginkyo Standard Communication Protocol and the Zengin format is used as the specified specific format will be described, but the present invention is not limited to this.

  In addition, when generating a transmission message, the transmission message generation unit 114 stores the address information of the transfer person in a specific area of the transmission message and generates a transmission message. Then, the created transmission message is transmitted to the host device 170 on the receiving side.

  FIG. 4 is a diagram illustrating an example of a format of a transmission message. FIG. 4A shows a header record, and FIG. 4B shows a data record format. As described above, in the present embodiment, the format of the outgoing message conforms to the Zenginkyo Standard Communication Protocol. Note that the outgoing message shown in FIG. 4 is generated by extracting necessary information from the contents of the transfer message (see FIG. 3) transmitted from the ATM server 120.

  In the data record of FIG. 4B, “customer code 1” and “customer code 2” can be used as EDI information (notification information from the transfer person to the payee). Accordingly, in the present embodiment, a 7-digit postal code number string is stored in “customer code 1” of the transfer person's address, and a character string that indicates other details including the address of the transfer person's address. Is stored in “customer code 2”. However, this is only an example, and the method of storing the address information of the transfer person is not limited to this.

  In addition, the identification information for identifying the transfer person described above is, for example, when the transfer person's account (withdrawal account) is an account of a financial institution to which the ATM terminal 150a belongs, for example, the transfer person uses a cash card to the ATM terminal. It may be based on information read from the cash card by inserting it in 150a, or based on that information. The information based on the information read from the cash card may be, for example, a part of the information or converted into some form.

  Further, at this time, the address information acquisition unit 112 refers to the customer management DB 132a that holds the identification information of each customer in association with the address information, and obtains the address information associated with the identification information (name, etc.) of the transfer person. You may acquire address information by extracting. When the account of the transfer person is an account of a financial institution to which the ATM terminal 150a belongs, usually the address is stored together with identification information such as the name of the transfer person in the customer management DB 132a. It is possible to save the trouble of inputting at the ATM terminal 150a, and the operability is improved.

  Further, as described above, the address information acquisition unit 112 receives, via the ATM server 120, the address information of the transfer person that the transfer person inputs by operating the input device 152 such as the input key of the ATM terminal 150a or the touch panel. The address information may be acquired by doing so. Thereby, for example, even when the account of the transfer person (withdrawal account) is not an account of a financial institution to which the ATM terminal 150a belongs, or even in the case of transfer by cash, the address information of the transfer person can be acquired. . When generating a transmission message in the transmission message generation unit 114, the transfer person identification information, the transfer amount, and the EDI information (address information) are in the form of a database or the like as shown in FIG. 110 is temporarily stored in a storage device such as a memory.

(Configuration of the receiving host device)
Next, the configuration of the EB host device 140 that is a host device on the receiving side will be described. As shown in FIG. 2, the EB host device 140 includes a deposit / payment details data generation unit 142 and a deposit / payment details data transmission unit 144.

  The transfer deposit details data generation unit 142 receives the outgoing message transmitted from the host device 110 via the host device 170. Then, the identification information and address information of the transfer person and the transfer amount are extracted from the received transmission message, and the data for the payment inquiry as a result of the transfer process, in a specific format defined by a predetermined communication protocol Transfer payment details data that is the data of. As described in the description of the outgoing message generation unit 114, in the present embodiment, a case will be described in which the predetermined communication protocol is the Zenginkyo standard communication protocol, and the specified specific format is the Zengin format. However, the present invention is not limited to this. Further, when generating the transfer payment details data, the transfer payment details data generation unit 142 stores the address information of the transfer person in a specific area of the transfer payment details data and generates the transfer payment details data.

  FIG. 5 is a diagram showing an example of the format of the transfer deposit details data. As described above, in the present embodiment, the format of the transfer deposit details data conforms to the Zenginkyo Standard Communication Protocol. More specifically, the transfer receipt details data generation unit 142 extracts the address information of the transfer person stored in “customer code 1” and “customer code 2” of the outgoing message shown in FIG. Is stored in the “EDI information” area of the transfer receipt details data shown in FIG. 5 to generate the transfer receipt details data.

  The transfer receipt details data transmission unit 144 sends the transfer receipt details data generated by the transfer receipt details data generation unit 142 to the inquiry terminal 160. Specifically, when the recipient accesses the Internet banking site provided by the EB host device 140 and logs in from the inquiry terminal 160 in order to confirm the transfer status to his / her account, the inquiry terminal 160 In addition to the name of the transfer person and the transfer amount, address information is also displayed on the display. At this time, the EB host device 140 takes out the transfer deposit details data itself or the data necessary for display from the transfer deposit details data (and converts it into another format) to generate display data. Send to. In addition, the recipient can check the information on the display of the inquiry terminal 160, download it as electronic data and store it in a recording medium, or send the data to a printer for printing. is there.

  By the way, whether the transfer process executed in the ATM terminal 150a is a transfer process for notifying the recipient of the address information of the transfer person or other transfer process (transfer process processed by a conventional transfer system). There are mainly two methods for judging. One is the transfer process for notifying the recipient of the address information when the transfer person performs the transfer procedure (for example, the transfer of a donation). This is a method of specifying by a device or the like. The other is that the customer management DB 132b on the receiving side includes, in addition to the identification information and address information of each customer, flag information indicating that each customer's account is a transfer process for notifying the recipient of the address information. It is a method of keeping in association with a customer account. The EB host device 140 refers to the customer management DB 132b, and only when the deposit account of the account information transmitted from the host device 110 is associated with the flag information, the transfer deposit details data generation unit according to the present embodiment 142 and the transfer deposit details data transmission unit 144 may be controlled to be executed. This will be described in detail later.

  Note that the ATM terminal 150a, the inquiry terminal 160, the ATM server 120, the host device 110, the host device 170, and the EB host device 140 described above include a CPU (Central Processing Unit), a RAM (Random Access Memory), etc. (not shown). It can be realized by a configuration similar to the configuration of a general computer such as a storage device such as a memory or a hard disk, a network interface, or the like. The functions of these devices are realized by, for example, the CPU of each device reading and executing a program stored in a hard disk or the like. The identification information, transfer amount, account information, transfer information, address information, flag information, transfer message, outgoing message, transfer payment details data, etc. are data stored in the hard disk or RAM of each device. . The ATM information DB 130 and the customer management DBs 132a and 132b are databases provided in a storage device such as a hard disk of each device or another computer device.

(Transfer system operation)
Hereinafter, an operation example of the transfer system according to the present embodiment will be described using a flowchart.

  Here, when the transfer process is performed as described above, the transfer process according to the transfer method of the present embodiment (that is, transfer process with address information) is performed, or other transfer process (that is, the conventional transfer process, etc.) ) Are roughly divided into two types of methods. (1) A method in which the transfer person operates the input device of the ATM terminal to specify that the transfer process is with address information and performs the transfer procedure, and (2) the recipient account (in the customer management DB 132b) This is a method of determining that the transfer process is a transfer process with address information when the transfer account is associated with flag information indicating that the account is for a transfer process with address information. Further, in (1) and (2), (a) the withdrawal account is the account of the financial institution to which the ATM terminal 150a belongs, and (b) the withdrawal account is other than the financial institution to which the ATM terminal 150a belongs. It is assumed that it is an account or a transfer by cash.

  Therefore, in the following, as an operation example of the transfer system according to the present embodiment, there are four combinations (1-a), (1-b), (2-a), and (2-b), which are combinations thereof. A processing flow in this case will be described.

(Processing flow of 1-a): When the transfer person designates the transfer process with address information and the withdrawal account is an account of a financial institution to which the ATM terminal 150a belongs FIG. It is a flowchart which shows the operation example of the transfer system in the case of).

  First, the ATM terminal 150a accepts the transfer person's cash card, and accepts designation that the transfer to be executed is “transfer with address information” in response to a user operation of an input device such as an operation key or a touch panel (step S102). ). The transfer person is authenticated by referring to the customer management DB 132a based on the information stored in the accepted transfer person's cash card and the password entered by the transfer person using an operation key or the like. Thereafter, the name (identification information) of the transfer person is acquired from the customer management DB 132a, and the ATM terminal 150a accepts the input of the transfer amount and the account information according to the user operation of the provided input device (step S104).

  The ATM terminal 150a attaches a flag indicating that it is “transfer with address information” to the transfer information including these pieces of information (hereinafter referred to as “transfer flag with address information”) and transmits it to the ATM server 120 (step S106). ). The receiving unit 122 of the ATM server 120 receives these pieces of information.

  The transfer message generating unit 124 of the ATM server 120 generates a transfer message including the transfer information received by the receiving unit 122 and the terminal information related to the ATM terminal 150 a acquired from the ATM information DB 130. The transfer message transmitting unit 126 transmits the generated transfer message together with the “transfer flag with address information” to the host device 110 (step S108).

  When the host device 110 detects the “transfer flag with address information”, the address information acquisition unit 112 refers to the customer management DB 132a, reads the address information of the transfer person associated with the received name, etc., and acquires the address information. (Step S110). If the “transfer flag with address information” is not detected here, the process proceeds to the conventional transfer process, and the subsequent processes are not executed.

  The outgoing message generator 114 generates a outgoing message from the transfer message acquired from the ATM server 120 and the address information acquired in the address information acquisition unit 112. At this time, the address information is stored as EDI information in the areas of “customer code 1” and “customer code 2” of the outgoing message. Further, the outgoing message generation unit 114 transmits the generated outgoing message to the EB host device 140 via the host device 170 (step S112).

  The transfer receipt details data generation unit 142 of the EB host device 140 that has received the outgoing message extracts the name, address information, and the transfer amount from the received outgoing message, and generates transfer receipt details data. At this time, the address information is read from the areas of “customer code 1” and “customer code 2” of the outgoing message, and stored in the “EDI information” area of the transfer deposit details data (step S114).

  Then, when the recipient of the transfer money operates the inquiry terminal 160 to access and log in to the Internet banking site, and performs an input operation for displaying a page for checking the transfer status, for example, The transmission unit 144 includes the transfer payment details data itself generated by the transfer payment details data generation unit 142 or the name of the transfer person (identification information) included in the transfer payment details data, the transfer amount, and the transfer date. , Etc. are also extracted, and the transfer status confirmation display data including these is also generated and transmitted to the inquiry terminal 160 (step S116). Similarly, for example, when the recipient clicks the button for downloading the transfer status confirmation data with an input device such as a mouse, the EB host device 140 generates the transfer status confirmation data including the address information of the transfer person. Then, it may be transmitted to the inquiry terminal 160. As a result, the recipient can save the transfer status confirmation data including the address information of the transfer person in a recording medium such as a hard disk or a removable memory of the inquiry terminal 160.

(Processing flow 1-b): When the transfer person designates the transfer process with address information, and the withdrawal account is an account other than the financial institution to which the ATM terminal 150a belongs, or when the transfer is by cash FIG. 8 is a flowchart showing an operation example of the transfer system in the case of (1-b).

  First, the ATM terminal 150a accepts designation that the transfer to be executed is “transfer with address information” in response to a user operation of an input device such as an operation key or a touch panel, and the name of the transfer person, the transfer amount, And the input of the account information of a transfer account is received (step S202). Moreover, the input of the address information of a transfer person is received (step S204).

  The ATM terminal 150a attaches a “transfer flag with address information” to the transfer information including the information received in step S202 and step S204, and transmits it to the ATM server 120 together with the address information of the transfer person (step S206). The receiving unit 122 of the ATM server 120 receives these pieces of information.

  The transfer message generating unit 124 of the ATM server 120 generates a transfer message including the transfer information received by the receiving unit 122 and the terminal information related to the ATM terminal 150 a acquired from the ATM information DB 130. The transfer message transmission unit 126 transmits the generated transfer message and the address information received from the ATM terminal 150a together with the “transfer flag with address information” to the host device 110 (step S208). The address information transmitted here is received by the address information acquisition unit 112 of the host device 110.

  When the host device 110 detects the “transfer flag with address information”, the outgoing message generator 114 generates an outgoing message from the incoming message and the address information. At this time, the address information is stored as EDI information in the areas of “customer code 1” and “customer code 2” of the outgoing message. The outgoing message generator 114 transmits the generated outgoing message to the EB host device 140 via the host device 170 (step S210). If the “transfer flag with address information” is not detected here, the process proceeds to the conventional transfer process, and the subsequent processes are not executed.

  The transfer receipt details data generation unit 142 of the EB host device 140 that has received the outgoing message extracts the name, address information, and the transfer amount from the received outgoing message, and generates transfer receipt details data. At this time, the address information is read from the “customer code 1” and “customer code 2” areas of the outgoing message, and is stored in the “EDI information” area of the transfer deposit details data (step S212).

  Then, when the recipient of the transfer money operates the inquiry terminal 160 to access and log in to the Internet banking site, and performs an input operation for displaying a page for checking the transfer status, for example, The transmission unit 144 includes the transfer payment details data itself generated by the transfer payment details data generation unit 142 or the name of the transfer person (identification information) included in the transfer payment details data, the transfer amount, and the transfer date. , Etc. are also extracted, and the transfer status confirmation display data including these is also generated and transmitted to the inquiry terminal 160 (step S214). Similarly, for example, when the recipient clicks the button for downloading the transfer status confirmation data with an input device such as a mouse, the EB host device 140 generates the transfer status confirmation data including the address information of the transfer person. Then, it may be transmitted to the inquiry terminal 160. As a result, the recipient can save the transfer status confirmation data including the address information of the transfer person in a recording medium such as a hard disk or a removable memory of the inquiry terminal 160.

(Processing flow of 2-a): In the customer management DB 132b, the recipient's account (transfer account) is associated with flag information indicating that it is an account for transfer processing with address information, and the withdrawal account is FIG. 9 is a flowchart showing an operation example of the transfer system in the case of (2-a).

  First, the ATM terminal 150a receives the transfer person's cash card (step S302). The transfer person is authenticated by referring to the customer management DB 132a based on the information stored in the accepted transfer person's cash card and the password entered by the transfer person using an operation key or the like. Thereafter, the name (identification information) of the transfer person is acquired from the customer management DB 132a, and the ATM terminal 150a accepts the input of the transfer amount and the account information in accordance with the user operation of the provided input device (step S304).

  The ATM terminal 150a transmits the transfer information including these pieces of information to the ATM server 120 (step S306). The receiving unit 122 of the ATM server 120 receives this transfer information.

  The transfer message generating unit 124 of the ATM server 120 generates a transfer message including the transfer information received by the receiving unit 122 and the terminal information related to the ATM terminal 150 a acquired from the ATM information DB 130. The transfer message transmitting unit 126 transmits the generated transfer message to the host device 110 (step S308).

  The transmission message generator 114 of the host device 110 generates a transmission message from the transfer message and transmits it to the host device 170 (step S310).

  The host device 170 refers to the customer management DB 132b and is associated with flag information (hereinafter referred to as “payment account flag with address information”) indicating that the transfer destination account is an account for transfer processing with address information. In that case, a message to that effect is returned to the host device 110 (step S312).

  When the host device 110 receives a reply from the host device 170 that the bank account is “payment account with address information”, the address information acquisition unit 112 makes a transfer associated with the name of the bank The human address information is read from the customer management DB 132a (step S314).

  The outgoing message generator 114 generates a outgoing message from the transfer message acquired from the ATM server 120 and the address information acquired in the address information acquisition unit 112. At this time, the address information is stored as EDI information in the areas of “customer code 1” and “customer code 2” of the outgoing message. The outgoing message generator 114 transmits the generated outgoing message to the EB host device 140 via the host device 170 (step S316).

  The EB host device 140 refers to the customer management DB 132b, and when the transfer account included in the received outgoing message is associated with the payment account flag with address information, the transfer payment details data generation unit 142 Extracts the name, address information, and the transfer amount from the received transmission message, and generates transfer deposit details data. At this time, the address information is read from the “customer code 1” and “customer code 2” areas of the outgoing message, and is stored in the “EDI information” area of the transfer deposit details data (step S318). If the transfer account is not an account for transfer process with address information, the process proceeds to the conventional transfer process, and the subsequent processes are not executed.

  Then, when the recipient of the transfer money operates the inquiry terminal 160 to access and log in to the Internet banking site, and performs an input operation for displaying a page for checking the transfer status, for example, The transmission unit 144 includes the transfer payment details data itself generated by the transfer payment details data generation unit 142 or the name of the transfer person (identification information) included in the transfer payment details data, the transfer amount, and the transfer date. , Etc. are also extracted, and the transfer status confirmation display data including these is also generated and transmitted to the inquiry terminal 160 (step S320). Similarly, for example, when the recipient clicks the button for downloading the transfer status confirmation data with an input device such as a mouse, the EB host device 140 generates the transfer status confirmation data including the address information of the transfer person. Then, it may be transmitted to the inquiry terminal 160. As a result, the recipient can save the transfer status confirmation data including the address information of the transfer person in a recording medium such as a hard disk or a removable memory of the inquiry terminal 160.

(Processing flow of 2-b): In the customer management DB 132b, the recipient's account (transfer account) is associated with flag information indicating that it is an account for transfer processing with address information, and the withdrawal account is When it is an account other than the financial institution to which the ATM terminal 150a belongs or when it is a transfer by cash FIG. 10 is a flowchart showing an operation example of the transfer system in the case of (2-b).

  First, the ATM terminal 150a accepts input of the name of the transfer person, the transfer amount, and account information of the transfer destination account in accordance with a user operation of an input device such as an operation key or a touch panel (step S402).

  The ATM terminal 150a transmits the transfer information including these pieces of information to the ATM server 120 (step S404).

  The transfer message generating unit 124 of the ATM server 120 generates a transfer message including the transfer information received by the receiving unit 122 and the terminal information related to the ATM terminal 150 a acquired from the ATM information DB 130. The transfer message transmission unit 126 transmits the generated transfer message to the host device 110 (step S406).

  The outgoing message generator 114 of the host device 110 generates an outgoing message from the transfer message and transmits it to the host device 170 (step S408).

  The host device 170 refers to the customer management DB 132b and is associated with flag information (hereinafter referred to as “payment account flag with address information”) indicating that the transfer destination account is an account for transfer processing with address information. In that case, a response to that effect is returned to the host device 110 (step S410).

  When the host device 110 receives a reply from the host device 170 that the transfer account is “payment account with address information”, it displays a screen for accepting address information on the ATM terminal 150a (step S412). . And the ATM terminal 150a receives the input of the address information of the transfer person (step S414).

  The ATM terminal 150a transmits the address information to the host device 110 via the ATM server 120 (step S416).

  The outgoing message generator 114 of the host device 110 generates an outgoing message from the transfer message acquired from the ATM server 120 and the address information acquired by the address information acquisition unit 112. At this time, the address information is stored as EDI information in the areas of “customer code 1” and “customer code 2” of the outgoing message. In addition, the outgoing message generation unit 114 transmits the generated outgoing message to the EB host device 140 via the host device 170 (step S418).

  The EB host device 140 refers to the customer management DB 132b, and when the transfer account included in the received outgoing message is associated with the payment account flag with address information, the transfer payment details data generation unit 142 Extracts the name, address information, and the transfer amount from the received transmission message, and generates transfer deposit details data. At this time, the address information is read from the “customer code 1” and “customer code 2” areas of the outgoing message, and stored in the “EDI information” area of the transfer deposit details data (step S420). If the transfer account is not an account for transfer process with address information, the process proceeds to the conventional transfer process, and the subsequent processes are not executed.

  Then, when the recipient of the transfer money operates the inquiry terminal 160 to access and log in to the Internet banking site, and performs an input operation for displaying a page for checking the transfer status, for example, The transmission unit 144 includes the transfer payment details data itself generated by the transfer payment details data generation unit 142 or the name of the transfer person (identification information) included in the transfer payment details data, the transfer amount, and the transfer date. , Etc. are also extracted, and the transfer status confirmation display data including these is extracted and transmitted to the inquiry terminal 160 (step S422). Similarly, for example, when the recipient clicks the button for downloading the transfer status confirmation data with an input device such as a mouse, the EB host device 140 generates the transfer status confirmation data including the address information of the transfer person. Then, it may be transmitted to the inquiry terminal 160. As a result, the recipient can save the transfer status confirmation data including the address information of the transfer person in a recording medium such as a hard disk or a removable memory of the inquiry terminal 160.

  In the case of (2-a) and (2-b) above, when the transfer deposit details data generation unit 142 generates the transfer deposit details data, the customer management DB 132b is referred to and the payee account (payment). If the withdrawal account and the deposit account are the same bank account, the functions of the host device 110 and the host device 170 are one. It can be realized by a host device (that is, transfer processing can be performed without going through the Zengin Network 20). Further, in this case, it is assumed that the customer management DBs 132a and 132b are also integrally configured customer management DBs, and customer information of withdrawal accounts and deposit accounts is stored in this customer management DB. Is done. Therefore, referring to the customer management DB at the time of generating the outgoing message, it is determined whether or not the deposit account is associated with the deposit account flag with address information. The address information of the person may be included.

  As described above, according to the transfer system according to the present embodiment, in the transfer procedure in the financial institution, the recipient of the transfer money looks at the data in which the address of the transfer person is linked to the transfer-specific data. Can be obtained at. As a result, for example, the recipient can easily list not only the name of the transferor but also the address, etc. without performing the linking operation at the same time as the transfer deposit is generated. In addition, even when there is a transfer person with the same surname and the same name, it is possible to refine the identity confirmation by providing information identifying an individual as an address.

  Up to this point, one embodiment of the present invention has been described. However, the present invention is not limited to the above-described embodiment, and it is needless to say that the present invention may be implemented in various forms within the scope of the technical idea.

  For example, in the above embodiment, the transfer side has been described as having been performed from the ATM terminal of the financial institution, but even when the transfer procedure is performed in a transfer system such as Internet banking, the transmission message is specified. It is possible to store the address information of the transfer person in the area and implement the present invention by the same mechanism as described above.

  Further, for example, in the above embodiment, it is assumed that the withdrawal account and the deposit account are accounts of different financial institutions. However, when both are accounts of the same financial institution, the host device 110 and the host The device 170 can be realized by a single host device. In this case, the customer management DBs 132a and 132b may also be integrally configured customer management DBs.

  The ATM terminal 150a in the above embodiment corresponds to the “transfer terminal” of the present invention. The inquiry terminal 160 corresponds to the “inquiry terminal” of the present invention. The customer management DB 132a corresponds to the “transfer customer management database” of the present invention, and the customer management DB 132b corresponds to the “receiver customer management database” of the present invention.

  The scope of the present invention is not limited to the illustrated and described exemplary embodiments, but includes all embodiments that provide the same effects as those intended by the present invention. Further, the scope of the invention is not limited to the combinations of features of the invention defined by the claims, but may be defined by any desired combination of particular features among all the disclosed features. .

20 Zengin Network 30 Internet 100 Transfer system 110 Host device (transfer side)
120 ATM server 130 ATM information database 132a, 132b Customer management database 140 EB (electronic banking) host device 150a, 150b ATM terminal 160 Inquiry terminal 170 Host device (receiving side)

Claims (6)

A transfer system that accepts a transfer process at a transfer terminal operated by a transfer person who performs a transfer procedure, and provides information related to the transfer process to a reference terminal operated by a recipient who receives the transfer money of the transfer process,
An address information acquisition unit for acquiring address information relating to the address of the transfer person;
Transfer information including identification information for identifying the transfer person obtained directly or indirectly from the transfer terminal, the transfer amount, and account information related to the account of the transfer destination, and the address information, A message relating to the transfer process, specified in a predetermined communication protocol adopted between the transfer-side financial institution that accepts the transfer process and the pay-in financial institution to which the account of the transfer destination belongs. An outgoing message generator that generates the outgoing message by storing the address information in a specific area of the outgoing message when generating a outgoing message that is a message of the format;
The identification information and address information of the transfer person and the transfer amount are extracted from the outgoing message received by the receiving financial institution, and are data for payment inquiry as a result of the transfer process, the predetermined communication Transfer payment details that generate the transfer receipt details data by storing the address information in a specific area of the transfer receipt details data when generating the transfer receipt details data that is data of a specific format defined in the protocol A data generator;
A recipient customer management database that associates and stores the recipient identification information and address information, wherein, in addition to the recipient identification information and address information, the recipient's account stores the address information of the transferee. A receiving customer management database that holds flag information indicating that it is an account for transfer processing with address information to be notified to the payee in association with the payee's account;
Equipped with a,
Referring to the receiving customer management database, the address information acquisition unit, the outgoing message generation unit, or the transfer receipt details data generation unit only when the transfer destination account is associated with the flag information. transfer system that is characterized in that executing the processing. The transfer person identification information is based on information read from the transfer person's cash card in the transfer terminal, or based on the information,
The address information acquisition unit refers to a transfer-side customer management database that associates and holds the transfer person identification information and address information, and extracts the address information associated with the transfer person identification information. The transfer system according to claim 1, wherein address information of the transfer person is acquired. The said address information acquisition part acquires the address information of the said transfer person by receiving the operation input of the said address information from the input device of the said transfer terminal of the said transfer person , The said transfer person is characterized by the above-mentioned. Transfer system. At least the transferer's identification information and address information and part or all of the transfer amount included in the transfer payment details data are output to the inquiry terminal as they are or after being converted into another data format. The transfer system according to any one of claims 1 to 3, further comprising a transfer deposit details data transmission unit. A transfer implemented on a computer that accepts a transfer process at a transfer terminal operated by the transfer person who performs the transfer procedure, and provides information related to the transfer process to a reference terminal operated by a recipient who receives the transfer money of the transfer process A transfer method executed in the system,
Obtaining address information relating to the address of the transfer person;
Transfer information including identification information for identifying the transfer person obtained directly or indirectly from the transfer terminal, the transfer amount, and account information related to the account of the transfer destination, and the address information, A message relating to the transfer process, specified in a predetermined communication protocol adopted between the transfer-side financial institution that accepts the transfer process and the pay-in financial institution to which the account of the transfer destination belongs. A step of generating the outgoing message by storing the address information in a specific area of the outgoing message when generating the outgoing message that is a message in the format of:
The identification information and address information of the transfer person and the transfer amount are extracted from the outgoing message received by the receiving financial institution, and are data for payment inquiry as a result of the transfer process, the predetermined communication A step of generating the transfer receipt details data by storing the address information in a specific area of the transfer receipt details data when generating the receipt details data, which is data in a specific format defined in the protocol;
Transfer method including
The transfer system is a receiving customer management database that associates and stores the recipient identification information and address information, and in addition to the recipient identification information and address information, the recipient account includes the transfer account. A receiving customer management database that holds flag information indicating that it is an account for transfer processing with address information for notifying the recipient of the address information of the person in association with the account of the recipient;
Referring to the receiving customer management database, the step of acquiring the address information only when the transfer destination account is associated with the flag information, the step of generating the outgoing message, or the transfer payment The transfer method characterized by performing the process in the step which produces | generates detailed data . Accept the transfer process at the transfer terminal operated by the transfer person who performs the transfer procedure, and execute the transfer process to the computer that provides information on the transfer process to the inquiry terminal operated by the recipient who receives the transfer money of the transfer process A program for causing the computer to
Processing for obtaining address information relating to the address of the transfer person;
Transfer information including identification information for identifying the transfer person obtained directly or indirectly from the transfer terminal, the transfer amount, and account information related to the account of the transfer destination, and the address information, A message relating to the transfer process, specified in a predetermined communication protocol adopted between the transfer-side financial institution that accepts the transfer process and the pay-in financial institution to which the account of the transfer destination belongs. A process of generating the outgoing message by storing the address information in a specific area of the outgoing message when generating the outgoing message that is a message of the format of:
The identification information and address information of the transfer person and the transfer amount are extracted from the outgoing message received by the receiving financial institution, and are data for payment inquiry as a result of the transfer process, the predetermined communication A process of generating the transfer receipt details data by storing the address information in a specific area of the transfer receipt details data when generating the transfer receipt details data which is data in a specific format defined in the protocol;
A program for executing,
The computer is a receiving customer management database that associates and stores the recipient identification information and address information, and in addition to the recipient identification information and address information, the recipient account is the transfer recipient. A receiving customer management database that holds flag information indicating that it is an account for transfer processing with address information for notifying the recipient of the address information of the recipient in association with the recipient's account,
The program refers to the receiving customer management database to the computer, and obtains the address information only when the transfer destination account is associated with the flag information. A program for causing a process to generate or a process to generate the transfer deposit details data to be executed .

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