JP5959578B2 - Proxy payment system, management server, program, and method thereof - Google Patents

Description

  The present invention relates to a proxy payment system that connects with an RTGS (immediate payment) system provided by the Bank of Japan and performs customer proxy payments.

  The Bank of Japan is equipped with a computer system that can be used for online settlement to make an immediate settlement (RTGS (Real Time Gross Settlement)) of current accounts and the like. RTGS is a system in which the Bank of Japan immediately settles one by one as soon as it receives a transfer instruction from a financial institution.

  When the financial institution accepts a request for the settlement of funds from the customer, the financial institution uses the RTGS proxy settlement system that connects with the above-described RTGS system of the Bank of Japan and performs the proxy settlement on behalf of the customer. This is described in detail in Patent Document 1, for example.

JP 2002-041785 A

  By the way, the present RTGS agency settlement system executes the withdrawal process after obtaining the input of the system approval (payment approval) by the customer on the day of withdrawal of the transaction. However, if the customer's person in charge is absent due to unexpected circumstances, etc. at the designated time of the sunrise, the withdrawal process cannot be executed because the payment approval cannot be obtained.

  The present invention has been made in view of such problems, and an object of the present invention is to provide a proxy settlement system, a management server, a program, and a method thereof that can execute a proxy settlement process without delay.

  In order to solve the above problems, the proxy settlement system and method of the present invention provide the following solution.

In a first aspect of the present invention, a proxy payment system is connected to a customer terminal of a customer who entrusts proxy payment, a management server of a financial institution, and a BOJ network system, wherein the customer terminal is the customer's terminal. Depositing / withdrawing data reception for receiving the deposit data and the withdrawal data from the customer terminal, comprising input means for inputting the deposit data to be deposited and the withdrawal data to be withdrawn in the fund settlement account Means, payment schedule details creating means for causing the customer to create a payment schedule details for linking the received payment data and the withdrawal data, and the payment data in the payment schedule details are scheduled. on the condition that there was a specific payment data, with respect to the BOJ-nET system, out of a specific withdrawal data of the same settlement date, which is tied to the specific payment data A dispensing processing means for executing a process, characterized in that it comprises a.

  Further, in the above-described proxy settlement system, the settlement schedule details creating means allows a customer to select deposit data and withdrawal data that match at least a condition including a scheduled deposit amount, a scheduled withdrawal amount, and a scheduled settlement date and time, The payment schedule details may be created by registering a deposit / withdrawal data association table in which receipt data and the withdrawal data are associated.

  Moreover, in the above-described proxy settlement system, the settlement schedule detail creation unit may link one or a plurality of the withdrawal data to one piece of the payment data.

  Further, in the above-described proxy settlement system, the settlement schedule detail creation means may associate one withdrawal data with a plurality of the receipt data.

  Further, in the above-described proxy settlement system, the settlement schedule detail creation means may associate a plurality of the withdrawal data with a plurality of the receipt data.

In the second aspect of the present invention, there is provided the management server in the proxy payment system in which a customer terminal of a customer entrusting proxy payment, a management server of a financial institution, and a BOJ network system are connected. Deposit / withdrawal data receiving means for receiving money data from the customer terminal; and settlement schedule detail creating means for causing the customer to create a settlement schedule detail for linking the received receipt data and the withdrawal data. , on condition that there was a specific payment data that has been planned out of the payment data in the payment schedule specification, it said to the BOJ-nET system, particular withdrawal of the same settlement date, which is tied to the specific payment data And a withdrawal processing means for executing a data withdrawal process.

According to a third aspect of the present invention, there is provided a program for the management server in an agency payment system in which a customer terminal of a customer entrusting agency payment, a management server of a financial institution, and a BOJ network system are connected to a computer. Receiving payment data and withdrawal data from the customer terminal; and causing the customer to create a settlement schedule for linking the received payment data and the withdrawal data. on the condition that there was a specific payment data that has been planned out of the payment data in the payment schedule specification, specific withdrawal data of the to the BOJ-nET system, the same settlement date, which is tied to the specific payment data And a step of executing the withdrawal process.

According to a fourth aspect of the present invention, there is a method in which a customer terminal of a customer entrusting proxy settlement, a management server of a financial institution, and a BOJ network system are connected, and the management server performs proxy settlement of the customer terminal. Inputting the deposit data scheduled to be deposited and the withdrawal data scheduled to be withdrawn in the customer's fund settlement account at the customer terminal, and receiving the deposit data and the withdrawal data with the customer at the management server. A step of receiving from the terminal, a step of causing the customer to create a settlement schedule for linking the received payment data and the withdrawal data, and a schedule among the payment data in the settlement schedule details on condition that there was a certain payment data, certain of the relative BOJ net system, the same settlement date, which is tied to the specific payment data Performing a dispensing process of the dispensing data, and having a.

  According to the present invention, it is possible to provide a proxy settlement system, a management server, a program, and a method thereof that can execute a withdrawal process for proxy settlement without delay.

It is a figure which shows the whole structure of the agency payment system which concerns on embodiment of this invention. It is a block diagram which shows the function structure of the customer terminal which concerns on embodiment of this invention. It is a block diagram which shows the function structure of the management server which concerns on embodiment of this invention. It is a figure which shows the deposit / withdrawal data table and the deposit / withdrawal data link table which link several payment data with respect to one deposit data. It is a figure which shows the deposit / withdrawal data table and the deposit / withdrawal data linkage table which link one withdrawal data with respect to several payment data. It is a sequence diagram which shows the processing operation of the agency payment system which concerns on embodiment of this invention. It is a flowchart which shows the operation process of the payment schedule detailed preparation screen operated with the customer terminal which concerns on embodiment of this invention. It is a flowchart which shows the processing operation of the management server which concerns on embodiment of this invention. It is a figure which shows the display screen structure 1 at the time of connecting several payment data with respect to one payment data. It is a figure which shows the display screen structure 2 at the time of connecting several payment data with respect to one payment data. It is a figure which shows the display screen structure 3 at the time of connecting several payment data with respect to one payment data. It is a figure which shows the display screen structure 4 at the time of connecting several payment data with respect to one payment data. It is a figure which shows the display screen structure 1 at the time of connecting several payment data with respect to several payment data. It is a figure which shows the display screen structure 2 at the time of connecting several payment data with respect to several payment data.

  DETAILED DESCRIPTION Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

(Configuration of the embodiment)
FIG. 1 is an overall configuration diagram of the agency payment system according to the present embodiment. Proxy settlement refers to a service in which a financial institution such as a bank uses a current account of the bank of a financial institution on behalf of a customer to perform the fund settlement for the customer. Target transactions include call transaction fund settlement, CD (Certificate of Deposit) and CP (Commercial Paper) fund settlement, DVP (Delivery Versus Payment) fund settlement for government bonds and general bonds, and other funds using current account balances at the Bank of Japan. There is a settlement.

  As shown in FIG. 1, the agency payment system 1 according to the present embodiment is a customer terminal installed on a consignor side that entrusts agency payments connected to a system 10 of a financial institution via a bank network dedicated line 40. 20 and a BOJ-NET system 30 connected via a BOJ-NET dedicated line 50 to a financial institution system 10. The dedicated line here includes a logically isolated secure network in addition to a physically isolated network.

  The financial institution system 10 includes a management server 11 and an RTGS settlement management system 12. The management server 11 includes a control unit 13 in which a dedicated program for performing settlement processing, overdraft management, and the like, and a transaction DB (database) that stores at least funds information used in a program for managing settlement details. 100, a balance DB (database) 200 that stores funds (deposits) balance information for each customer, and a credit balance, and company information related to the customer, such as name, address, name of person in charge, contract information with bank, etc. And a customer DB (database) 300 storing information for management. In order to use the service provided by this system (referred to as “Bank of Japan current account proxy settlement service”), the customer has a settlement account for distinguishing available money. Although there may be only one settlement account, there are two settlement accounts, a settlement account 1 (sales office settlement account) is opened at the bank's branch office, and the funds for settlement with the BOJ current account are managed. A settlement account 2 (RTGS dedicated account) may be opened separately on this system. In this case, the “withdrawal” based on the settlement account 2 is mainly addressed to the outside via the Bank of Japan. However, when the funds are returned to the settlement account 1 by transfer to the branch, Withdrawal ". The balance DB 200 is a database that manages the balance of the settlement account 2 for each customer.

  The RTGS settlement management system 12 (hereinafter referred to as the present system) is a system installed in the system 10 of a financial institution (hereinafter referred to as a bank), and is connected to the BOJ network system 30 via the BOJ network dedicated line 50. A program for sending and receiving various messages to the BOJ network system 30 and managing liquidity funds is installed. This system provides a service for performing the payment of funds between the bank's BOJ account and the customer's bank account using the above-mentioned payment account 1 and payment account 2 of the customer.

  The customer terminal 20 is a terminal installed on the customer (consignor) side who entrusts proxy settlement, and may be a general-purpose computer such as a personal computer or a workstation. The customer terminal 20 accesses the management server 11 from, for example, a browser or dedicated software, inputs payment data and withdrawal data for creating a payment schedule details, which will be described later, and receives payment based on the payment schedule details after approval. Instructions for settlement of withdrawal data linked to data. Here, the settlement schedule details are information that links receipt data and withdrawal data to instruct to perform a specific withdrawal on the same settlement date on the condition that there was a specific receipt scheduled. Details will be described later. The customer in-house system 60 is an in-house processing system uniquely owned by the customer, and manages daily deposit / withdrawal data. The customer terminal 20 does not necessarily have to be connected to the customer in-house system 60. Data is cut out from the customer in-house system 60 to a recording medium such as an FD and loaded into the customer terminal 20, or an operator of the customer terminal 20 The data can be checked visually and entered manually.

(Configuration of customer terminal 20)
FIG. 2 is a block diagram showing a functional configuration of the customer terminal according to the present embodiment. As shown in FIG. 2, the customer terminal 20 includes a communication unit 21, a storage unit 22, an input unit 23, a display unit 24, and a control unit 25.

  The communication unit 21 controls a communication interface when communicating with the management server 11 and performs communication conforming to the protocol adopted by the bank network dedicated line 40.

  The storage means 22 is composed of, for example, a rewritable flash memory, and stores programs executed by the control means 25 and various data. Deposit / withdrawal data 400 is stored as one of various data. Deposit / withdrawal data 400 refers to detailed information on deposit schedules and withdrawal schedules related to customer funds settlement (scheduled deposit / withdrawal date and schedule time, scheduled deposit / withdrawal amount, deposit source information, withdrawal destination information, etc. Information, etc.), and when creating the settlement schedule details, deposit / withdrawal data that is mainly subject to proxy settlement is transmitted to the management server 11 via the communication means 21 based on customer instructions.

  The input means 23 is an input device such as a keyboard or a mouse, for example, and an operation input for storing deposit / withdrawal data in the storage means 22, an operation input for transmitting the deposit / withdrawal data stored in the storage means 22 to the management server 11, Alternatively, a means for manually inputting deposit / withdrawal data from a predetermined input screen provided by the management server 11 is provided. As means for storing the deposit / withdrawal data in the storage means 22, a method of downloading from the customer in-house system 60, or data output to a recording medium such as an FD may be stored in the storage means 22.

  The display unit 24 is a device that displays various screens from the management server 11, and is a display such as an LCD (Liquid Crystal Display) or an organic EL (Organic Electro-Luminescence). Note that the input unit 23 and the display unit 24 may be configured by a touch panel having both an input function and a display function.

  In the control means 25, the CPU (microprocessor) sequentially reads out and executes the program stored in the storage means 22, thereby associating the payment data with the expected payment with the withdrawal data with the expected payment in the customer's fund settlement account. The settlement schedule details are created from the deposit / withdrawal pegging creation screen prepared by the management server 11, and after the created settlement schedule details are approved within the customer, they are transmitted to the management server 11 to request settlement agency processing. Details will be described later.

(Configuration of management server 11)
FIG. 3 is a block diagram illustrating a functional configuration of the management server 11 according to the present embodiment. As shown in FIG. 3, the management server 11 includes, for example, a control unit 13, a transaction DB 100, a balance DB 200, and a customer DB 300.

  The control means 13 receives the deposit / withdrawal data input by the customer terminal 20, causes the customer to create a scheduled settlement statement that links the input data and the output data, and determines whether or not the scheduled settlement statement can be settled. If payment is possible, a series of flow for performing a withdrawal process associated with the payment agent is controlled. Therefore, the control unit 13 includes a communication unit 14, a deposit / withdrawal data receiving unit 15, a settlement schedule detail creating unit 16, a determination unit 17, and a withdrawal processing unit 18.

  The communication unit 14 serves as a communication interface when communicating with the customer terminal 20 and the BOJ network system 30. Actually, the customer terminal 20 and the BOJ network system 30 use different communication interfaces, but are described here collectively.

  The deposit / withdrawal data receiving means 15 receives the deposit data to be deposited and the withdrawal data to be withdrawn in the customer's fund settlement account from the customer terminal 20, and checks whether there is any error in the data, and then settles the settlement schedule details. Delivered to the creating means 16. If there is an error in the data, a message to that effect is sent back to the customer terminal 20 to request transmission of correct deposit / withdrawal data.

  The settlement schedule statement creating means 16 creates a screen for associating the receipt data and withdrawal data input from the customer terminal 20 with the customer, and transmits the screen to the customer terminal 20. The customer selects deposit data and withdrawal data to be linked from this screen. A specific example of the screen will be described later. Then, based on the information associated with the customer, a settlement schedule detail, which is a detail for linking payment data and withdrawal data, is created. Specifically, the deposit / withdrawal data association table 120 is created based on the deposit / withdrawal data table 110 described later. Here, associating the deposit data with the withdrawal data is not limited to 1: 1, but for one deposit data, one or a plurality of withdrawal data is associated with 1: N association, and a plurality of deposit data. On the other hand, N: 1 linking with one withdrawal data, N: M linking with multiple withdrawal data for multiple deposit data (where N: M is a natural number) There may be.

  The determination means 17 determines whether or not the payment data in the payment schedule details created by the payment schedule details creation means 16 and the withdrawal data linked to the payment data match the conditions. Specifically, referring to the planned deposit amount and the planned withdrawal amount of the created settlement schedule statement, the total of the withdrawal amounts is deposit amount ≥ withdrawal amount, and the settlement process is settled rather than the deposit process. Determine that the scheduled time is late. That is, it is determined whether the specific deposit is after the deposit and can be a source of the withdrawal associated with the deposit. Then, the determination means 17 confirms that the above determination result is OK on the settlement date, and is linked to the deposit on the condition that the specific deposit is actually performed as scheduled. In order to execute the withdrawal, the withdrawal processing means 18 is activated.

  The withdrawal processing means 18 outputs the withdrawal data linked to the withdrawal data to the BOJ network system 30 on condition that the judgment means 17 confirms the completion of the deposit processing of the receipt data. Execute gold processing.

  The transaction DB 100 includes a deposit / withdrawal data table 110 that stores deposit / withdrawal information for a predetermined period for each customer, and a deposit / withdrawal data string that stores information associated with the customer's approved deposit / withdrawal data in the deposit / withdrawal data table 110. The attachment table 120 is allocated and stored. Hereinafter, specific examples of the deposit / withdrawal data table 110 and the deposit / withdrawal data association table 120 will be shown.

  As shown in FIG. 4 (a), the deposit / withdrawal data table 110 includes at least a trustee reception number that is a unique number for managing the trustee, a deposit / withdrawal classification for determining deposit / withdrawal, and settlement. The data item of the settlement amount that displays the amount associated with is included.

  The deposit / withdrawal data linking table 120 includes at least a trustee receipt number that is distinguished for deposit and withdrawal, and a data item for a settlement amount that is differentiated for deposit and withdrawal. As shown, the deposit data and the withdrawal data are linked.

  For example, as shown in FIG. 4 (a), the deposit / withdrawal data table 110 stores the deposit / withdrawal information scheduled for settlement, and the deposit / withdrawal data linkage table before the linkage is made. The 120 table is empty. Then, when the deposit / withdrawal information is linked by the customer, as shown in FIG. 4B, records corresponding to the number of deposit / withdrawal data are created, and the deposit amount of the deposit data is set to 1,000. On the other hand, a plurality (three in this description) of withdrawal data are linked (1: N linking). Further, after the completion of the association, as shown in FIG. 4C, the associated records are deleted and become empty. Details will be described later.

  In addition, when linking one withdrawal data (N: 1 linking) to a plurality of deposit data, for example, as shown in FIG. Deposit / withdrawal information to be settled is stored, and the table of the deposit / withdrawal data linking table 120 is empty before linking. Then, when the deposit / withdrawal information is linked by the customer, as shown in FIG. 5 (b), as many records as the number associated with the deposit / withdrawal data are created, and the deposit amount 2,000 of the withdrawal data is set. On the other hand, a plurality of (three in this description) payment data are linked (N: 1 link). Further, after the completion of the association, as shown in FIG. 5C, the associated records are deleted and become empty. Details will be described later. Although illustration is omitted, the same applies to the case of N: M tying.

  The above-described functional configuration of the present system is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be configured as one functional block. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk by a CPU (Central Processing Unit) built in the device, and executes the computer program executed by the CPU. Realized. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). 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.

(Processing operation of proxy settlement system 1)
FIG. 6 is a sequence diagram showing the processing operation of the agency payment system 1 according to the present embodiment. As shown in FIG. 6, when performing settlement of funds, the customer terminal 20 first inputs the deposit data scheduled for payment and the withdrawal data scheduled for withdrawal in the customer's fund settlement account (step S101). The information is transmitted to the management server 11.

  The management server 11 receives from the customer terminal 20 the deposit data scheduled for payment and the withdrawal data scheduled for withdrawal in the customer's fund settlement account (step S102). Then, the customer is caused to create a settlement schedule detail for associating the received payment data with the withdrawal data for settlement (step S103).

  In detail, it demonstrates with the flowchart which shows the operation process of the payment schedule detailed preparation screen operated with the customer terminal 20 shown in FIG. As shown in FIG. 7, the customer terminal 20 connects to the bank network dedicated line 40 and activates a browser installed in advance (step S201). When the customer activates the browser, the user authentication is displayed on the screen, and the user ID and password are input. The management server 11 refers to the customer information from the customer DB 300, and when the user authentication information matches, the browser is activated by transmitting a login permission. When the browser is activated, the customer information of the logged-in customer is reflected from the balance DB 200 and the customer DB 300.

  When the browser is activated, a predetermined menu screen is displayed. When the customer selects creation of scheduled settlement details from this menu screen, for example, the scheduled settlement details screen shown in FIG. 9 is displayed. The customer can search for the deposit / withdrawal information scheduled for settlement by operating the input means 23 on the displayed scheduled settlement details screen (step S202). When receiving the search request, the control unit 25 of the management server 11 refers to the deposit / withdrawal data table 110 of the transaction DB 100 stored in the management server 11 and displays the deposit / withdrawal information on the display unit 24 (step S203). . Then, when the customer refers to the displayed deposit / withdrawal information and performs an operation for associating the deposit / withdrawal information (step S204), the deposit / withdrawal data is associated with the deposit / withdrawal data association table 120 of the management server 11. It is stored and displayed on the display means 24 of the customer terminal 20.

  Then, when the payment schedule details creating means 16 associates the deposit / withdrawal information, it determines whether or not there is a problem in the associating process (step S205). In other words, whether the withdrawal data that can be linked to the receipt data is “Payment data payment amount to be linked ≧ Cumulative payment data payment amount that has already been linked + Settlement amount of the current withdrawal data to be linked” Make a decision. When a plurality of deposit data and a plurality of withdrawal data are linked, the total amount of the deposit amount and the withdrawal amount is compared. If the determination result of the comparison between the deposit amount and the withdrawal amount is OK (step S205 “YES”), the settlement schedule detail creating means 16 issues an approval request for the settlement schedule detail on the screen of the customer terminal 20. For example, an approval button is displayed on the pop-up screen, and the approval of the payment schedule details is completed when the customer presses the button (step S206). Then, the approved settlement schedule details are transmitted to the management server 11, and a settlement proxy processing request is made on a predetermined settlement date (step S207). When the determination result is NG (step S205 “NO”), the settlement schedule detail creating means 16 displays a warning message (for example, displayed on a pop-up screen) on the screen via the display means 24 (step S208). Then, the process returns to step S203 again.

  Returning to FIG. 6, the determination unit 17 of the management server 11 determines whether or not the contents of the received settlement schedule details can be settled on the day before and the settlement date. The determination process is divided into a process for determining by the day before settlement (step S104) and a process for determining on the day of settlement (step S105). Then, the management server 11 executes a withdrawal process of withdrawal data associated with the receipt data on the BOJ network system 30 on the condition that the receipt process of the receipt data in the settlement schedule details is completed (step S106). .

  In detail, it demonstrates with the flowchart which shows the processing operation of the management server 11 shown in FIG. As shown in FIG. 8, the deposit / withdrawal data receiving means 15 of the management server 11 receives from the customer terminal 20 the deposit data scheduled to be deposited and the withdrawal data scheduled to be withdrawn in the customer's fund settlement account (step S301). ). If there is any error in the received deposit data or withdrawal data, the error is notified and prompted to input again. Then, the settlement schedule detail creating means 16 causes the customer to create a settlement schedule detail associated with the received deposit data and withdrawal data using the settlement schedule input screen described above (step S302).

  When receiving the payment proxy processing request from the customer terminal 20, the determination unit 17 of the management server 11 determines the created payment schedule details. The determination contents are at least whether or not the scheduled deposit amount on the day is larger than the scheduled withdrawal amount by the day before settlement (step S303), and whether or not the settlement processing schedule is later than the withdrawal time. The determination of (Step S304) is performed. Then, on the day of settlement, it is determined whether or not the deposit process of the deposit data has been deposited by the scheduled time (step S305). If the determination conditions (such as whether the actual deposit amount is different from the scheduled deposit amount and whether the deposit time is earlier than the scheduled withdrawal time linked to the deposit, etc.) are satisfied, step S305. Proceeding to “YES”, the withdrawal processing means 18 performs the withdrawal processing of the withdrawal data linked to the deposit data to the BOJ network system 30 (step S306). Then, after the withdrawal process is completed, the withdrawal processing means 18 sends a settlement agent end notification to the customer terminal 20 via the communication means 14 (step S307).

  If even one of the determination conditions is not satisfied, the determination unit 17 proceeds to step S308, and transmits a payment proxy impossibility notification to the customer terminal 20 via the communication unit 14 (step S308).

  Further details will be described with reference to the terminal display screens shown in FIGS. First, the screen shown in FIG. 9 is an input screen (hereinafter referred to as a settlement schedule input screen) for searching for deposit data and withdrawal data that have been entered and approved, and creating a settlement schedule by linking the deposit and withdrawal. Called). This screen has display items of “consignee”, “scheduled settlement date”, “search condition”, “payment data”, and “withdrawal data”. In addition, a “Search” button, a “Clear” button, and a “Pegging” button for executing search and pegging are allotted to a partial area.

  As the “consignee” at the top of the screen of FIG. In the “scheduled settlement date”, a range of settlement dates to be searched is input. The items of “Search criteria” include “product category”, “settlement status”, “contract partner”, “input category”, “scheduled settlement time”, “trustee acceptance number”, “consignee contract number”, “ Payment amount "and the like. The “settlement status” indicates the current settlement status, and for example, “planned data”, “input approval data”, “payment approval data”, and the like are registered. The “input category” represents a classification of major items, and is divided into “current transfer” and “government bond DVP”. “Product category” represents the product type to be settled, and “call transaction”, “CD”, “CP”, etc. are registered, but for convenience, it is assumed to include “sales office transfer”. Further, in the “contract partner”, the contract partner who is the customer's trading partner is registered, and the name of the contract partner or the identification number of the contract partner is registered. The “consignee contract number” is a unique number for each contract determined by the customer. The “trustee acceptance number” in the “payment data (payment approved)” column is a number determined at the time of accepting each settlement, and a unique number is assigned to each deposit / withdrawal.

  When the “Search” button at the top of the screen is pressed, deposit data that matches the conditions entered in the data items of “consignee” and “scheduled settlement date” is acquired from the deposit / withdrawal data table 110 and matches the search conditions. Record to be displayed in "input data". When the “Clear” button is pressed, the input search condition is cleared. When the “link” button is pressed, the withdrawal data linked to the selected deposit data from the deposit / withdrawal data table 110 and the deposit / withdrawal data linkage table 120 and the withdrawal data that has not been linked yet. And the detailed screen shown in FIG. 10 is displayed. The details screen will be described later.

  When the customer inputs “consignee” and “scheduled settlement date” using the above-described settlement schedule input screen, enters the search contents in the “search condition” and presses the “Search” button, Corresponding deposit data is displayed in “Data”. Next, when the item displayed in “Deposit Data” is selected with a mouse etc., the range of that item is specified, and the customer selects the item displayed at the top of “Deposit Data” and clicks the “Link” button By pressing, the screen changes to the search screen shown in FIG.

  According to the search screen of FIG. 10, the information on the selected deposit data is displayed on the upper part of the screen, and the linked candidate withdrawal data on the same day is displayed in a list on the lower part of the screen. In the “link candidate withdrawal data”, items similar to the deposit data are allocated, and a check box for selecting a candidate by the customer is assigned. If the “trustee receipt number” column of “link candidate withdrawal data” is checked, all items are selected.

  Note that an “add” button and a “remove” button are assigned to a partial area of the search screen. The “add” button has a function of registering the selected withdrawal data as linking data, and the “remove” button has a function of canceling linking of the selected data.

  When the customer selects the withdrawal data to be linked from the “link candidate withdrawal data” displayed on the search screen using the check box and presses the “add” button, the search shown in FIG. Transition to screen (2). On the search screen (2), the selected withdrawal data is displayed in the “withdrawal data”, and this completes the associating operation. Here, a plurality of withdrawal data are linked to one deposit data. Then, as shown in the input approval screen of FIG. 12, when the linked deposit / withdrawal data is selected, the associated withdrawal data is displayed on the withdrawal data.

  Next, an example of linking a plurality of withdrawal data to a plurality of deposit data (N: M linking) will be described with reference to FIGS. Only the difference from the example in which a plurality of withdrawal data is linked to the above-described one deposit data will be described.

  As shown in FIG. 13, a check box for selecting a candidate by the customer is assigned to “payment data”. When the customer inputs “consignee” and “scheduled settlement date”, inputs items in the search condition column, and presses the “Search” button, the corresponding deposit data is displayed in “deposit data”. Select the “Deposit Data” item to be linked with the check box. Here, it is not necessary to select the “withdrawal data” check box. In this description, it is assumed that three items have been checked from the retrieved deposit data, and the screen transitions to the screen shown in FIG.

  FIG. 14 shows a case where there are 3 details of the selected deposit data and 6 details of association candidates for withdrawal data, and 3 cases where these deposit data are associated with 2 items of withdrawal data (ie, 3: 2 string attachment). In this example, as shown in the drawing, the detailed contents in which the deposit data and the withdrawal data are linked are displayed at the top of the screen. As detailed contents, a list of payment data is displayed in the order of the scheduled settlement time, as well as “scheduled final settlement time”, “settlement amount total”, “linked amount”, and “remaining amount (residual amount)” The “Final settlement scheduled time” indicates the latest scheduled payment time among the selected deposit data, and in this example, it is 10:30. At this time, 10:30 is also automatically input or manually input to the search condition “scheduled settlement time” (the final scheduled settlement time is transferred to the “scheduled settlement time” column by pressing a predetermined button). “Payment amount total” indicates the total amount of payment amounts including payment data not selected, and is 900 in this example. “Attached amount” indicates the sum of the settlement amounts of withdrawals associated with the selected deposit, and is 400 in this example. “Remaining amount (remaining pegged power)” is obtained by subtracting “pegged amount” from “total settlement amount”, indicating that the total settlement amount of unpaid receipt data, that is, pegged surplus is still 500. ing.

  The customer displays the withdrawal data that can be settled in the selected item of “deposit data” in “association candidate withdrawal data”, and selects which withdrawal data is associated. In this example, two items are selected from the items displayed in the “linking candidate withdrawal data”. The customer selects the withdrawal data and presses the “add” button to perform the association. When changing the association contents, the association is released by pressing the “association release button”. At this time, the number on the right side of the screen is automatically calculated. In addition, when the “collective selection (within remaining amount range)” button is pressed, within the range of “balance (residual margin)” from the displayed “link candidate withdrawal data” in the order of the scheduled settlement time. A plurality of deposit data and withdrawal data are reselected. That is, it is possible to automatically re-select the deposit data and withdrawal data until the linking capacity is full.

  In the above-mentioned screen, the customer selects the deposit and withdrawal individually and performs the association. In particular, in the case of N: M association, there are many combinations of the receipt and withdrawal that are associated. Therefore, a list of candidate combinations may be presented when the scheduled settlement details are created, and the customer may select a combination that seems to be optimal from the list.

(Effect of embodiment)
According to the embodiment of the proxy settlement system 1, the customer terminal 20 is provided with the input means 23 for inputting the deposit data scheduled to be deposited and the withdrawal data scheduled to be withdrawn in the customer's fund settlement account. A deposit / withdrawal data receiving means 15 for receiving the receipt data and withdrawal data from the customer terminal 20, and a settlement schedule detail creating means 16 for causing the customer to create a settlement schedule detail in which the received receipt data and withdrawal data are linked. A withdrawal processing means 18 is provided for executing withdrawal processing of withdrawal data associated with the deposit data for the BOJ-Net system on the condition that the deposit processing of the deposit data in the settlement schedule details is completed. By doing this, it is possible to create payment schedule details that link payment data and payment data on the settlement date and approve fund settlement in advance, so that withdrawal processing for proxy settlement can be executed without delay. Become.

  Further, the settlement schedule details creating means 16 causes the customer to select the receipt data and withdrawal data that meet at least the conditions including the scheduled deposit amount, the scheduled withdrawal amount, and the scheduled settlement date and time, and associates the receipt data with the withdrawal data. The attached deposit / withdrawal data linking table 120 is registered to create a settlement schedule statement. By doing in this way, it can be checked by the system side whether there is any improper association of deposit / withdrawal data.

  In addition, associating the receipt data and the withdrawal data is not limited to 1: 1, but for one receipt data, one or a plurality of withdrawal data is associated with 1: N association, and a plurality of receipt data. Thus, N: 1 linking with one withdrawal data and N: M linking with a plurality of withdrawal data can be performed for a plurality of deposit data. Since a plurality of deposits are collectively linked to one or a plurality of withdrawals, the linking operation can be simplified, and the plurality of deposits can be combined to be used as a source of one or a plurality of withdrawals.

  In the present embodiment, the management server 11 is equipped with a program for generating a screen for creating a settlement schedule detail, and is accessed from the customer terminal 20 via the network to create a settlement schedule detail. The customer terminal 20 may be equipped with a dedicated program for creating the settlement schedule details, and the settlement schedule details may be created while communicating with the management server 11 on the customer terminal 20 side.

  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. In the above embodiment, the proxy settlement system has been described using the present invention as a product invention. However, the present invention can also be understood as a method invention.

DESCRIPTION OF SYMBOLS 1 Agency payment system 10 Financial institution system 11 Management server 12 RTGS payment management system 13 Control means (management server side)
14 Communication means (management server side)
15 Payment / receipt data reception means 16 Settlement schedule creation means 17 Determination means 18 Withdrawal processing means 20 Customer terminal 21 Communication means (customer terminal side)
22 Storage means (customer terminal side)
23 Input Means 24 Display Means 25 Control Means 30 BOJ Net System 40 Bank Net Dedicated Line 50 BOJ Net Dedicated Line 60 Customer Internal System 100 Transaction DB (Transaction Database)
110 Deposit / withdrawal data table 120 Deposit / withdrawal data linking table 200 Balance DB (balance database)
300 Customer DB (Customer Database)
400 Deposit / withdrawal data

Claims (8)

A proxy payment system in which a customer terminal of a customer entrusting proxy payment, a management server of a financial institution, and a BOJ-Net system are connected,
The customer terminal is
Input means for inputting deposit data scheduled for withdrawal and withdrawal data scheduled for withdrawal in the customer's fund settlement account;
The management server
Deposit / withdrawal data receiving means for receiving the deposit data and the withdrawal data from the customer terminal;
A payment schedule description creating means for causing the customer to create a payment schedule detail for associating the received payment data and the withdrawal data to be settled;
On the condition that there was a specific payment data that has been planned out of the payment data in the payment schedule specification, specific withdrawal data of the to the BOJ-NET system, the same settlement date, which is tied to the specific payment data A withdrawal processing means for executing the withdrawal processing of
An agency settlement system characterized by comprising:   The payment schedule details creating means allows a customer to select payment data and withdrawal data that meet at least the conditions including a scheduled payment amount, a scheduled payment amount, and a scheduled payment date and time, and connects the payment data and the withdrawal data. 2. The proxy settlement system according to claim 1, wherein the settlement schedule details are created by registering the attached deposit / withdrawal data association table.   The proxy settlement system according to claim 1 or 2, wherein the settlement schedule detail creating means associates one or a plurality of the withdrawal data with one piece of the deposit data.   The proxy settlement system according to claim 1 or 2, wherein the settlement schedule detail creating means associates one withdrawal data with a plurality of the receipt data.   The proxy settlement system according to claim 1 or 2, wherein the settlement schedule detail creating means associates a plurality of the withdrawal data with a plurality of the deposit data. A management server in a proxy payment system in which a customer terminal of a customer entrusting proxy payment, a management server of a financial institution, and a BOJ-Net system are connected;
Deposit / withdrawal data receiving means for receiving deposit data and withdrawal data from the customer terminal;
A payment schedule description creating means for causing the customer to create a payment schedule detail for associating the received payment data and the withdrawal data to be settled;
On the condition that there was a specific payment data that has been planned out of the payment data in the payment schedule specification, specific withdrawal data of the to the BOJ-NET system, the same settlement date, which is tied to the specific payment data A withdrawal processing means for executing the withdrawal processing of
A management server comprising: A program of the management server in an agency payment system in which a customer terminal of a customer entrusting agency payment, a management server of a financial institution, and a BOJ-Net system are connected,
On the computer,
Receiving receipt data and withdrawal data from the customer terminal; and
Causing the customer to create a settlement schedule statement for linking the received payment data and the withdrawal data to be settled;
On the condition that there was a specific payment data that has been planned out of the payment data in the payment schedule specification, specific withdrawal data of the to the BOJ-NET system, the same settlement date, which is tied to the specific payment data Executing the withdrawal process of
A program characterized by having executed. A customer terminal of a customer who entrusts proxy settlement, a management server of a financial institution, and a BOJ-Net system, wherein the management server performs proxy settlement of the customer terminal,
In the customer terminal,
Inputting deposit data scheduled for deposit and withdrawal data scheduled for withdrawal in the customer's fund settlement account;
In the management server,
Receiving the deposit data and the withdrawal data from the customer terminal;
Causing the customer to create a settlement schedule statement for linking the received payment data and the withdrawal data to be settled;
On the condition that there was a specific payment data that has been planned out of the payment data in the payment schedule specification, specific withdrawal data of the to the BOJ-NET system, the same settlement date, which is tied to the specific payment data Executing the withdrawal process of
A method characterized by comprising: