JP5545902B1 - Transfer fee discount system and transfer fee discount method - Google Patents

Abstract

[PROBLEMS] To increase the profits of a financial institution by using the capacity of the financial institution system of the day to supplement the transfer flowing to the net bank.
A transfer fee discount system includes a transfer capacity management unit that monitors the processing capability of a transfer execution unit of a financial institution's account system, and a transfer reservation database that stores the number of transfer reservations to be executed on the day. Prepare. The surplus calculation part of the transfer fee discount system predicts the number of immediate transfers that will occur on the day based on statistical information, and totals the number of transfer reservations and the predicted number of immediate transfers and the transfer acquired from the transfer capacity management department. The remaining capacity of the processing capacity on the day is calculated by comparing with the processing capacity of the execution unit. When it is determined that the calculated remaining capacity of the processing capacity on the day is larger than a predetermined threshold value, a discount for accepting the transfer with the transfer fee discounted is activated within the range of the calculated remaining capacity.
[Selection] Figure 1

Description

  The present invention relates to a transfer fee discount system and a transfer fee discount method for performing a transfer fee discount process in a financial institution.

  Traditionally, financial institutions such as banks give points according to customer transaction results as part of customer service, and various privilege services (such as preferential interest rates on time deposits and discounts on transfer fees). ). In addition, regarding these benefits, several systems have been proposed for reducing transfer fees that are of great interest to many customers. For example, Patent Literature 1 discloses a system that reduces or exempts a transfer fee based on the number of transfers made by a user during a predetermined period and loan-related data that the user receives from the financial institution. Further, Patent Document 2 discloses a system that displays advertising content on an ATM transfer acceptance screen and discounts a transfer fee when using ATM according to points associated with the advertising content.

JP 2006-114002 A Japanese Patent No. 3789828

  By the way, the transfer fee varies depending on the transfer destination and transfer amount, but the transfer fee of the Internet bank, so-called Internet bank, is set lower than the transfer fee of Internet banking provided by general financial institutions with stores. There are many. For this reason, many users want to make a transfer at a financial institution with a low transfer fee.

  On the other hand, in financial institutions, the number of transfer requests varies greatly from day to day, but is stable except for certain days of the month (the end of the month, so-called 5, 10 days, etc.), and the processing capacity of the system (capacity) There are many days when you can afford. Since transfer fees are an important source of income for financial institutions, it would be advantageous if the capacity of this system could be utilized to increase the number of transfer requests. In order to increase the number of transfer requests, it is effective to discount the transfer fee. Accordingly, in the present invention, in view of such a situation, a transfer fee discount for supplementing a transfer flowing to a net bank or the like by utilizing the capacity of the financial institution system and enhancing the profit of the financial institution. The purpose is to provide a mechanism for

  The present invention provides the following means for solving the above problems.

The invention described in claim 1 is a transfer fee discount system for discounting a transfer fee in a financial institution, wherein the transfer capacity management unit monitors the processing capability of the transfer execution unit of the account system of the financial institution. , A transfer reservation database storing the number of transfer reservations to be executed on the day, and predicting the number of immediate transfer occurrences on the day based on statistical information, the total of the transfer reservation number and the predicted number of immediate transfer cases, Comparing the processing capacity of the transfer execution unit acquired from the transfer capacity management unit, a surplus power calculation unit that calculates the surplus capacity of the processing capacity on the day, and the surplus power calculation unit, the surplus capacity of the processing capacity of the day There if it is determined that greater than a predetermined threshold, determines a receivable time and transfer the receivable number to be transfer fee discount in the range of the calculated available capacity, the transfer And the transfer receiving unit which receives the commissions discount of the subject of the transfer, characterized in that it comprises a.

According to the above configuration, in the accounting system of the financial institution, the processing capacity to execute the transfer is monitored, and the immediate transfer that occurs on the current day is added to the number of transfer / transfer reservations that are reserved to be executed on the current day. The total number of transfers is estimated based on statistical information, and the total number of transfers on the current day (reserved transfer count + number of immediate transfer predictions) is compared with the transfer execution processing capacity on the current day. In some cases, a transfer with a discount on the transfer fee is accepted within a range not exceeding the surplus capacity. In other words, according to the calculated surplus capacity of the day, the number of receivable items to be discounted and the receivable time can be adjusted to be the most effective combination, not uniform. By doing so, it is possible to improve customer service and capture a customer's transfer request that has flowed to an internet bank with a low transfer fee.

  The invention according to claim 2 is characterized in that, in the invention according to claim 1, the surplus power calculation unit includes the prediction of the day of the time relaxation for the total transfer in the prediction of the number of immediate transfers.

  According to the above configuration, not only the amount reserved for general transfer, which is a service for companies that allows a large number of transfers at once (usually the predetermined time on the previous day is due), but also the time-relaxed portion on that day (the deadline is that day) The amount of money that has been specially relaxed until a predetermined time can be added to the forecast, so that the number of transfers on that day can be predicted more accurately.

The invention according to claim 3 is the invention according to claim 1 or 2 , wherein the surplus power calculation unit determines a transfer fee discount amount according to the calculated surplus power of the day.

  According to the above configuration, the discount fee can be flexibly set according to the calculated surplus capacity of the day. For example, if the discount rate is increased as the remaining capacity increases, it is possible to expect more transfer requests.

The invention according to claim 4 is a transfer fee discount method executed by the computer system of the financial institution for discounting the transfer fee in the financial institution, and processing of the transfer executing unit of the accounting system of the financial institution A transfer capacity management step of monitoring capacity, a step of storing the number of transfer reservations to be executed on the day, a step of predicting the number of immediate transfer occurrences on the day based on statistical information, and the transfer reservation number and the prediction A surplus power calculating step of calculating the surplus capacity of the processing capacity on the day, by comparing the total of the number of instant transfers made and the processing capacity of the transfer execution unit obtained in the transfer capacity management step; in calculation step, if the available capacity of the day of processing capacity is determined to be greater than the predetermined threshold value, the range of the calculated reserve capacity To determine the write commission discounts subject to the transfer of the receivable number and accept possible time, characterized in that it comprises the steps of: accepting the transfer fee discount on the subject of the transfer.

The invention described in claim 4 is a transfer fee discount system described in claim 1 as an invention of a transfer fee discount method executed by a computer system in a financial institution. The same effects as those of the present invention are achieved.

  According to the present invention, the capacity of the financial institution system of the day can be utilized to provide a transfer fee discount system and method, and as a result, the transfer flowing to the net bank or the like is supplemented. Can increase profits.

It is a figure which shows the structure and functional block of the transfer commission discount system 100 (transfer commission discount system) in one Embodiment of this invention. It is a figure which shows the outline of the data stored in each database. It is a figure which shows the flow of a transfer commission discount dispatch process. It is a figure which shows an example of the top page screen after logging in to internet banking. It is a figure which shows an example of a transfer commission discount reception transition screen. It is a figure which shows an example of the transfer reception screen only for a transfer commission discount.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In addition, the same number or code | symbol is attached | subjected to the same element through the whole description of embodiment.

  FIG. 1 is a diagram showing a configuration and functional blocks of a transfer fee discount system 100 according to an embodiment of the present invention. FIG. 2 is a diagram showing an outline of data stored in each database. Hereinafter, FIGS. 1 and 2 will be described together. Note that the arrows in the functional block diagram of FIG. 1 indicate the flow of data.

  The transfer fee discount system 100 is configured to be incorporated in a bank computer system. Hereinafter, only functional parts related to the processing of the present invention in the bank computer system will be described. As shown in FIG. 1, a transfer fee discount system 100 (hereinafter referred to as the present system) according to one embodiment of the present invention mainly includes an exchange system 10 including a database storing transfer information received from a customer. , An EB system 20 that accepts processing from Internet Banking, a monitoring system 30 that monitors the operating status of various computer systems of financial institutions, and an accounting system that performs transfer processing (transfer of funds between accounts) System 40.

  The account system 40 is the core of the bank system, and mainly includes an account master DB 41 that stores account information and a transaction master 42 that records transaction transactions from time to time, and executes funds transfer between accounts. A transfer execution unit 43 is included. In addition, the transfer capacity management unit 31 in the monitoring system 30 constantly monitors the operating status of the transfer execution unit 43 of the accounting system 40 and manages the number of transfer processes every day and every hour. .

  The exchange system 10 includes a transfer / transfer reservation DB 11 for storing reservation information for a designated transfer / transfer requested by a customer, and an overall transfer reservation DB 12 for storing reservation information for general transfer. Both DBs are collectively referred to as a transfer reservation DB. The exchange system 10 may be included in the accounting system 40.

  In the transfer / transfer reservation DB 11, as shown in FIG. 2A, transfer / transfer reservation information is stored for each day to be executed, such as for the current day transmission and for the next day transmission. The only difference between transfer and transfer is that, in the case of transfer, the transfer destination is limited to the account of the same financial institution as the transfer source, and the handling of fees is different. Since they can be handled in the same manner, unless otherwise specified, the transfer and the transfer are simply referred to as a transfer.

  As shown in FIG. 2B, transfer reservation information of “total transfer” is stored in the total transfer reservation DB 12 for each transfer execution date. Comprehensive transfer is a normal transfer (individual transfer) that transfers one item at a time, whereas comprehensive transfer is mainly a corporation that can transfer multiple items (for example, 20 items at a time) at a time. Refers to the targeted transfer service. In the case of individual transfers, immediate transfer is possible within the same day, but in general transfer, transfer data (transfer reservation information) is usually sent to the bank by the bank business day the day before the specified transfer date. Submit and complete the transfer requester's approval within the legal entity. Therefore, separately from the individual transfer reservation, the transfer reservation information for the total transfer is stored in the total transfer reservation DB 12. Note that salary transfer is the same as general transfer in that a large number of transfers are made at one time. Therefore, in the general transfer reservation DB 12, it may be included in the general transfer, or salary transfer reservation information as shown in FIG. May be stored separately.

  The EB system 20 is a system centered on a plurality of Web servers that accept various processes from customers in Internet banking, but only the portion related to the transfer process is shown here. In this system, the EB system 20 mainly includes an immediate transfer statistics DB 21, a remaining power calculation unit 22, and a transfer reception unit 23.

  As shown in FIG. 2 (c), the immediate transfer statistics DB 21 is a database that stores statistical information related to a transfer (hereinafter referred to as an immediate transfer) that is executed during the day instead of a transfer whose transfer date is specified in advance. It is. Here, for each business date of the past bank, the number of immediate transfers 21a on the day of individual transfers and the number of transfers for the current date / time limit 21b of the total transfers are stored. The "current date and time relaxation" for general transfer is the time limit for data transfer that must be sent and approved by the bank business day of the day before the designated transfer date. (Time limit) is set, but it is specially that the transfer data approval time is relaxed to a predetermined time of the day and the total transfer is executed on that day. Such date and time relaxation of comprehensive transfer is a service provided individually for customer companies. Therefore, in order to predict the time-relaxed portion of the total transfer on the current day from past data, the time-relaxed portion may be managed separately for each contracted company.

  The transfer acceptance unit 23 provides an interface for the transfer operation to the customer. Specifically, an appropriate internet banking screen 24 is controlled in accordance with various transfer operations and displayed on the customer's terminal.

  The reserve capacity calculation unit 22 of the EB system 20 is activated at a predetermined early time on the bank's business day, and the number of transfers to be executed on the day stored in the transfer / transfer reservation DB 11 and the general transfer reservation DB 12 (total transfer / transfer reservation) Number) and past statistical information stored in the immediate transfer statistics DB 21 (individual transfer immediate execution amount and total transfer amount for the current date / time relaxation), the number of immediate transfer (hereinafter referred to as immediate transfer number) Called). Further, the surplus power calculation unit 22 receives provision of the maximum number of processing (capacity) of the transfer execution unit 43 of the day from the transfer capacity management unit 31 of the monitoring system 30. When the surplus power calculation unit 22 determines that the number of all transfers on the day is equal to or less than a predetermined ratio (threshold) based on the capacity, the transfer execution unit 43 determines that there is a surplus, and the transfer is limited to that day. Activate a transfer fee discount that accepts a discounted transfer. When this discount is activated, the number of transfer fee discounts that can be accepted and the acceptable time are determined according to the surplus capacity of the transfer execution unit 43 and displayed on the Internet banking screen 24. The transfer fee discount activation process will be described in more detail with reference to FIG.

  The functional configuration of the transfer fee discount system 100 described above is merely an example, and one functional unit may be further divided, or a plurality of functional units may be configured as one functional unit. . In each functional unit, a CPU (Central Processing Unit) built in the computer reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk, and the computer program executed by the CPU is Reads and writes necessary data such as tables from a database (DB; Data Base) stored in a storage device or a storage area in memory, and in some cases, related hardware (for example, input / output devices, display devices, communication interfaces) This is realized by controlling the apparatus and the like. Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

  FIG. 3 is a diagram showing the flow of the transfer fee discount activation process. FIG. 4 is a diagram illustrating an example of a top page screen after logging in to Internet banking. FIG. 5 is a diagram illustrating an example of a transfer fee discount acceptance transition screen. FIG. 6 is a diagram showing an example of a transfer acceptance screen dedicated to the transfer fee discount. Hereinafter, the flow of the transfer fee discount activation process will be described with reference to these drawings. Note that the discount activation process is a process mainly executed by the surplus power calculation unit 22 and the transfer reception unit 23 described above.

  In step S10, the surplus power calculation unit 22 of the EB system 20 first reads the transfer / transfer reservation DB 11 and acquires the number of transfer reservations (including transfer reservations). Further, the general transfer reservation DB 12 is read out, and a portion for the day of the general transfer is acquired.

  Next, in step S11, the immediate transfer statistics DB 21 is read, and the immediate transfer amount for the individual transfer and the current date / time limit relaxation amount for the general transfer are predicted based on the statistical information on the same time in the past and on the same day. Then, the total number of prediction processes on that day is calculated. Specifically, the total number of forecast processings on that day = the number of individual transfers made on that day + the number of cases sent on the day of general transfer + the number of individual transfers predicted on the day + the number of forecasts for immediate transfer of the total transfer + the number of forecasts on the date and time of the total transfer.

  Next, in step S13, the surplus power calculation unit 22 communicates with the transfer capacity management unit 31, and the maximum number of cases that can be processed by the transfer execution unit 43 of the account system 40 on the day is obtained for each CPU of the account computer. Extract from actual data. Note that the transfer capacity management unit 31 determines the maximum number of cases that can be processed in consideration of increase / decrease in loads other than the transfer process.

  In step S14, the number of remaining powers on that day is calculated. Specifically, the number of remaining powers = the maximum number of cases that can be processed−the total number of prediction processes for the transfer on the current day.

  Further, in step S15, it is determined whether or not there is remaining power in the processing of the transfer execution unit 43. Specifically, it is determined whether or not the number of remaining powers calculated in step S14 is equal to or greater than a predetermined ratio of the maximum number of cases that can be processed. For example, assuming that the maximum number of cases that can be processed on the current day is 1,000,000, the number of all predicted processes on that day is 790,000, and a predetermined ratio (threshold 20%), the number of remaining power cases is 210,000 and the maximum number of cases that can be processed 21%, which is equal to or greater than the threshold value 20%, it is determined that “there is a surplus”, that is, the transfer fee discount can be activated (step S15: Y), and the process proceeds to step S17. In the case of “no remaining power” (step S15: N), the transfer fee discount is not activated, and the process on the day ends (step S16).

  Steps S17 and after are processing after the transfer fee discount activation decision. First, in step S17, a dedicated reception screen is opened. As a specific example, as shown in FIG. 4, notification information 201 indicating that a discount has been activated is displayed on the top page immediately after the user logs in to Internet banking. Here, it has been announced that the number of discounts that can be accepted is 10,000 on a first-come-first-served basis, and the transfer fee to another bank is 105 yen / case or 210 yen / case. The discount rate of the transfer fee may be changed depending on the transfer amount, but may be determined by the ratio of the remaining capacity of the system. For example, the transfer fee may be reduced by 50% when the difference between the surplus power and the threshold is less than 10%, and may be reduced by 75% when the difference is 10% or more.

  The notification information 201 in FIG. 4 shows that there is a limit on the reception time (the time during which a transfer fee discount can be received) is set, but the reception time can be set as a predetermined time. Alternatively, the acceptable time may be determined according to the calculated ratio of the remaining capacity of the system. The reception time may be adjusted according to the actual reception situation. For example, when the number of receivables has not been reached, the receivable time may be extended. Further, the relationship between the acceptable time after the current day and the number of acceptable cases may be adjusted by looking at the result of the actual reception situation on that day. This is because the longer the reception time is, the greater the chance of a discount for the customer, but the higher the risk of exceeding the calculated surplus (predicted value) on the system. That is, according to the actual value of the surplus power of the day, the number of receivable items and the receivable time after that day are adjusted so as to be the most effective combination, not uniform. Further, when the actual number of transfer processes falls below the expected value, for example, the discount may be activated again in the afternoon of the day.

  Returning to FIG. 3, in step S18, as described above, the discounted transfer fee, the allowable number (receivable number) of the transfer fee discount, and the acceptable time are shown in the notice column on the top page of Internet Banking Etc., and the state of the transfer accepting unit 23 is set to a discount transfer acceptable state (step S19).

  When the user wishes to make a discount transfer (for example, when the button “go to reception screen” 202 is pressed on the screen of FIG. 4), the number of receptions and reception time at that time are checked in step S20. The process proceeds to step S22. If not, the reception is rejected and an alert is displayed in step S21. Specifically, an alert screen as indicated by 211 or 212 in FIG. 5 is displayed.

  If the determination in step S20 is yes, in step S22, the count of the number of discounts (the number of accepted cases) is increased by one. At this time, a reception transition screen indicating that the discount has been received as shown by 210 in FIG. 5 is displayed, and when the user presses the “next” button from this reception transition screen, a transfer dedicated to the transfer fee discount You can proceed to the reception screen. When the “Back” button is pressed, the number of discounts is counted down by one. Thereafter, the transfer accepting unit 23 of the EB system 20 performs the transfer accepted from the dedicated transfer accepting screen as a discount object until the discount acceptance time ends or the number of discounts reaches the acceptable number (step S23). ). After step S23 is processed, the process returns to step S19, and the transfer accepting unit 23 is ready to accept the next transfer request.

  An example of the transfer screens 220 and 221 dedicated to the actual transfer fee discount is shown in FIG. 6, but there is no significant difference from the normal transfer screen, and as shown by reference numeral 222, the transfer date is set to immediate transfer (that is, transfer today). It is limited. As indicated by reference numeral 223, the transfer fee displays a discounted fee and a fee before applying the discount. Even after the transfer is completed, the transfer fee can be discounted any number of times as long as it is within the time limit for accepting the discount and the number of cases that can be accepted.

  In the description of the above embodiment, the transfer fee discount target is assumed to be an individual bank transfer for corporations in Internet banking, but it is also possible to expand the scope of discount application for individual bank transfers and general bank transfers. . However, in the case of general transfer, it is necessary to set an upper limit for the number of transfers that can be discounted out of the number of transfers per transfer. In addition, comprehensive transfer shall be excluded from the object of a transfer commission discount, and a discount object may be limited to an individual transfer to the last.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10 Exchange system 11 Transfer / transfer reservation DB
12 General transfer reservation DB
20 EB (Electronic Banking) system 21 Immediate transfer statistics DB
22 Surplus Power Calculation Unit 23 Transfer Acceptance Unit 24 Internet Banking Screen 30 Monitoring System 31 Transfer Capacity Management Unit 40 Account System 41 Account Master DB
42 Transaction Master DB
43 Transfer Execution Department 100 Transfer Fee Discount System 200 Top Page Screen After Login for Internet Banking 201 Transfer Fee Discount Activation Notification Information 202 Transfer Fee Discount Acceptance Button 210, 211, 212 Transfer Fee Discount Reception Transition Screen 220, 221 Transfer Fee Discount transfer screen

Claims (4)

A transfer fee discount system for discounting a transfer fee in a financial institution,
A transfer capacity management unit that monitors the processing capacity of the transfer execution unit of the accounting system of the financial institution;
A transfer reservation database storing the number of transfer reservations to be executed on the day,
Predict the number of immediate transfers that occur on the day based on statistical information, and calculate the total number of reserved transfers and the estimated number of immediate transfers, and the processing capacity of the transfer execution unit acquired from the transfer capacity management unit. In comparison, a remaining capacity calculation unit that calculates the remaining capacity of the processing capacity on the day;
When the surplus power calculation unit determines that the surplus capacity of the processing capacity on the day is larger than a predetermined threshold, the number of receivable transfers and the acceptable time for the transfer fee discount within the calculated surplus range A transfer acceptance unit that accepts the transfer subject to the transfer fee discount ,
A transfer fee discount system characterized by comprising:   The transfer fee discount system according to claim 1, wherein the surplus power calculation unit includes a prediction on the day for the time relaxation of the total transfer in the prediction of the number of instant transfers. The margin calculation section, transfer fee discount system according to claim 1 or 2 in accordance with the available capacity of the day that the calculated, and determines the transfer fee discount. A method for discounting a transfer fee executed by a computer system of the financial institution for discounting a transfer fee at a financial institution,
A transfer capacity management step of monitoring the processing capacity of the transfer execution unit of the accounting system of the financial institution;
Storing the number of transfer reservations to be executed on the day;
Predicting the number of instant transfers that occur on the day based on your statistics,
Comparing the total number of transfer reservations and the predicted number of immediate transfers with the processing capacity of the transfer execution unit obtained in the transfer capacity management step, the remaining capacity for calculating the remaining capacity on the day of the processing capacity A calculation step;
In the remaining power calculation step, when it is determined that the remaining capacity of the processing capacity of the day is larger than a predetermined threshold, the number of receivable transfers and the receivable time that are subject to a transfer fee discount within the calculated remaining power range and the step of determining the, accept the transfer fee discount on the subject of the transfer,
A transfer fee discount method characterized by including: