JP6479091B2 - Remittance management system and program - Google Patents

Description

  The present invention relates to a remittance management system for managing electronic remittance between various accounts including a bank account and a program therefor.

  Conventionally, in order to improve the convenience for users and corporations and individuals, using WWW (World Wide Web), general telephone lines, or dedicated networks, balance inquiries and deposits / withdrawals at financial institutions such as bank accounts A network service called Internet banking that can confirm or transfer an account is popular.

  In addition, for example, from a bank account (such as a bank account) held by a corporation to a transfer source account (hereinafter also referred to as “destination account”), a plurality of transfer destination accounts (hereinafter also referred to as “destination accounts”). In many cases, transfer is made for

  In such a case, a transfer for realizing a farm banking (hereinafter referred to as “FB”) service having a general transfer function of transferring money from a destination account to a plurality of destination accounts at once. A management system (for example, Patent Document 1) has been proposed and operated.

JP 2005-44040 A

  However, when using an FB service (hereinafter referred to as “bank FB service”) in a conventional financial institution such as a bank such as the system described in Patent Document 1, a fee corresponding to the transfer amount is generated. The fee increases as the destination increases, and it is desired to reduce the costs associated with the transfer.

  In addition, a network service (second remittance network service) different from the bank FB service has appeared as a method for suppressing the remittance network service fee. When using the second remittance network service, the bank FB Remittance file data (ie, remittance file data required when using the bank FB service) is created separately from the remittance file data, and for the bank FB It is required to manage remittance funds (that is, credit management) separately from the destination bank account, and there are many problems to be solved such as user convenience and securing the transfer amount (transfer amount).

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a remittance network service (second remittance network service) outside a remittance network service (that is, a bank FB service) in a predetermined financial institution. An object of the present invention is to provide a remittance management system capable of realizing a smooth remittance process in the second remittance network service and a program thereof, while eliminating the complexity of the user when using it.

(1) In order to solve the above problems, the present invention provides:
The first remittance network for executing direct remittance processing between accounts managing the funds of each user of the financial institution, and remittance processing between the users via a third party institution different from the respective financial institution A remittance management system using a second remittance network to execute,
When executing a transfer process from a transfer source user to multiple transfer destination users, at least correspondence between transfer destination information indicating information about each transfer destination user and transfer amount information indicating a transfer amount to be transferred to the transfer destination Acquisition means for acquiring data for comprehensive transfer having a plurality of transfer instruction data attached;
Network type specifying means for specifying the type of remittance network to be used in each transfer instruction data based on each transfer destination information of the acquired total transfer data;
From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the second remittance network, and the extracted transfer amount As a total transfer amount for the second remittance network,
Transfer instruction data for transferring the total amount of transfer for the second remittance network to the account of the financial institution on the first remittance network specified as a settlement account by the third party institution Generating means for generating network transfer instruction data;
Based on the first transfer instruction data specified as the transfer instruction data using the first remittance network and the generated transfer instruction data for the second remittance network among the acquired total transfer data. First transfer instruction means for instructing execution of a first transfer process using the first remittance network;
A second transfer instruction means for instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data among the acquired total transfer data;
It has the composition provided with.

  With this configuration, the present invention, for example, uses the conventional bank network (for example, the Zengin Network) as the first remittance network and uses the management system for the FB (farm banking) service as it is. A transfer amount for performing remittance processing by a network other than the bank network as a network can be provided to the administrator of the second remittance network and the transfer can be executed.

  Therefore, according to the present invention, a normal bank network such as an FB (farm banking) service can be obtained by simply executing a transfer instruction using the second remittance network together with a conventional transfer instruction of the first remittance network. A special remittance network service different from the service (hereinafter referred to as "banking service") can be used, and the second remittance network is managed and operated with an important transfer amount for remittance using the special remittance network service. It can be secured by a third party organization.

  As a result, the present invention can realize smooth remittance processing based on the special remittance network service while eliminating the complexity of using the user's special remittance network service.

  In addition, the present invention provides a second remittance network that realizes a lower transfer fee than a bank fee by, for example, integration of transfers that combine multiple projects into one, or transfer using a third party account. If it can be constructed, it is possible to reduce the costs associated with the transfer by replacing a part of the transfer in the comprehensive transfer with the transfer process in the second remittance network, and the financial institution such as the transfer destination and the transfer source bank Even when funds cannot be transferred due to holidays, etc., funds can be transferred using the second remittance network.

  Note that the remittance management system includes a special remittance network service that uses a second remittance network and is incorporated in a communication terminal device that uses an FB (farm banking) service using a conventional bank network as a first remittance network, for example. It may be a server system that issues a transfer instruction to a server system that manages execution, or may be a server system that receives an instruction from a communication terminal device that uses the FB service and executes a transfer process based on the second remittance network. .

  In addition, the banking service is, for example, in principle a bank-type network service as described above, but may be a network service for a bank or an organization that performs a business equivalent to a bank.

  Further, the final deposit to the transfer destination when using the second remittance network may be an account belonging to the first remittance network such as a bank account (an account of another financial institution such as a credit union). For example, it may be an account independent of the first remittance network, such as an account belonging only to the second remittance network.

(2) The present invention also provides:
The first transfer process further includes confirmation means for confirming whether or not the total amount of transfer for the second remittance network has arrived in the settlement account.
The second transfer instruction means
Instructing the execution of the second transfer process using the second remittance network based on the second transfer instruction data when the total amount of transfer for the second remittance network is received in the settlement account. Have.

  With this configuration, a transfer amount for performing remittance processing using the second remittance network can be provided to a third party as a deposit, so when remittance away from the first remittance network Therefore, it is possible to realize a smooth operation of the transfer process based on the special remittance network service, which is difficult to secure the remittance amount.

(3) The present invention also provides:
The second transfer instruction data is constituted by a data format for executing the first transfer process.

  With this configuration, the present invention can issue a transfer instruction using the second remittance network by using a data format for the first remittance network, such as a data format of the bank FB service as the first remittance network. A highly versatile data format can be used.

  Therefore, the present invention can eliminate the complexity of inputting a user's transfer instruction and can suppress errors due to the input.

(4) The present invention also provides:
The generating means is
Regenerate the total transfer data including the transfer instruction data for the second remittance network,
The first transfer instruction means is
Instructing the execution of the first transfer process with reference to the regenerated general transfer data,
Said second transfer instruction means,
The second transfer process is instructed with reference to the regenerated general transfer data.

  With this configuration, the present invention can be re-created in the general transfer data in combination with the data format for the first remittance network, such as the data format of the bank FB service as the first remittance network. High data formats can be used.

  Therefore, the present invention can eliminate the complexity of inputting a user's transfer instruction and can suppress errors due to the input.

(5) The present invention also provides:
The transfer destination information of the transfer instruction data for the first remittance network includes account specifying information for specifying an account in the financial institution,
The transfer destination information of the second remittance network transfer instruction data includes a configuration in which user identification information for identifying each user on the second remittance network is included.

  With this configuration, the present invention specifies that the transfer instruction data whose account identification information is included in the transfer destination information is the transfer instruction data for executing the transfer process using the first remittance network, and the transfer destination When the user identification information is included in the information, it can be specified that the transfer instruction data is for executing the transfer process using the second remittance network.

  The account identification information includes financial institution identification information (for example, bank number and bank name), branch number (or branch name), subject, account number (account identification information) and account name (for example, kana name). ) Etc. are included.

  Further, as user identification information, code information for designating the second remittance network (for example, a code for identifying the financial institution of the first remittance network), account name (for example, kana name), contact with the bank account Information for determining a transfer destination in the second remittance network, such as an account on the second remittance network and an account number of a financial institution.

(6) The present invention also provides:
Account management means for managing storage means in which account information related to the account of each user's transfer destination is stored in association with the transfer destination information included in the second transfer instruction data,
The account management means is
When the second transfer process is instructed, the transfer unit information that matches the transfer destination information included in the second transfer instruction data is searched from the storage unit,
Specify account information stored in association with the transfer destination information that matches the transfer destination information included in the second transfer instruction data,
It has the structure which transfers the applicable amount of money to the account of the specified account information.

  With this configuration, if the account information in the second remittance network is registered in advance, the present invention is a transfer process by the second remittance network when generating the transfer instruction data, and the user of the transfer destination can be specified. If possible, since it is not necessary to request complicated input, it is possible to improve the convenience for the user (particularly, the convenience of the transfer source user).

(7) The present invention also provides:
The transfer destination information included in the second transfer instruction data includes contact information of the user of the transfer destination,
The account management means is
When the transfer destination information matching the transfer destination information included in the second transfer instruction data is not recorded, the contact information included in the transfer destination information of the second transfer instruction data and the user of the transfer destination Based on the instruction, the transfer destination user is caused to execute a process for receiving a transfer amount addressed to the transfer destination user.

  With this configuration, the present invention allows the transfer destination user to receive the transfer amount addressed to the transfer destination user even if the transfer destination information such as account information related to the transfer destination user is not stored. Therefore, the transfer destination user can be surely received the transfer amount, and the user who received the payment can be encouraged to use the transfer process by experiencing the use of the transfer process of the second remittance network. The convenience of the user can be improved by increasing the usage rate of the second remittance network of the transfer destination user.

(8) The present invention also provides:
Storage in which user identification information for identifying the user on the second remittance network is stored as transfer destination correspondence information in association with the transfer destination information including account information for specifying the account of the financial institution Remittance management means for managing the means,
It is determined whether or not the transfer destination information of the first transfer instruction data included in the acquired general transfer data has a given condition including at least that stored in the transfer destination correspondence information. A determination means;
When it is determined that the given condition is satisfied, the first transfer instruction data is converted into the second transfer instruction data based on the user identification information stored in association with the transfer destination information. Conversion means for converting;
Is further provided.

  With this configuration, for example, when the transfer destination user wishes to perform transfer processing by the second remittance network instead of the first remittance network for the transfer to himself / herself, the transfer source user can change the transfer destination user's Even if the account of the first remittance network is specified, the transfer process can be executed using the account using the second remittance network.

  Therefore, according to the present invention, it is possible to execute the transfer process according to the request of the transfer destination user without bothering the transfer instruction of the transfer source user, and thus the convenience of the user can be improved.

(9) The present invention also provides:
The given condition includes, in addition to storing the transfer destination correspondence information, at least one of a condition related to the transfer amount, a condition related to the transfer source, and a condition related to the transfer date and time, It has a configuration.

  With this configuration, the present invention determines whether or not to convert the transfer instruction data using the first remittance network into the transfer instruction data using the second remittance network according to the transfer amount, transfer source, or transfer date and time. Therefore, the will of the transfer destination user can be accurately reflected.

  For example, the present invention changes the transfer amount for a bank account (for example, ¥ 100,000) to a bank account (transfer processing using the first remittance network) to transfer using the second remittance network, Transfers to bank accounts from can be changed to transfer using the second remittance network, or transfer to bank accounts at the end of the month can be changed to transfer using the second remittance network .

  Therefore, according to the present invention, since it is possible to perform detailed management of transfer including the transfer at the transfer destination, it is possible to improve user convenience.

(10) The present invention also provides:
The first remittance network for executing direct remittance processing between accounts managing the funds of each user of the financial institution, and remittance processing between the users via a third party institution different from the respective financial institution A remittance management program using a second remittance network to be executed,
Computer
When executing a transfer process from a transfer source user to multiple transfer destination users, at least correspondence between transfer destination information indicating information about each transfer destination user and transfer amount information indicating a transfer amount to be transferred to the transfer destination Acquisition means for acquiring data for general transfer having a plurality of transfer instruction data attached;
Network type specifying means for specifying the type of remittance network to be used in each transfer instruction data, based on each transfer destination information of the acquired general transfer data,
From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the second remittance network, and the extracted transfer amount As the total amount for the second remittance network transfer,
Transfer instruction data for transferring the total amount of transfer for the second remittance network to the account of the financial institution on the first remittance network specified as a settlement account by the third party institution Generation means for generating as network transfer instruction data,
Based on the first transfer instruction data specified as the transfer instruction data using the first remittance network and the generated transfer instruction data for the second remittance network among the acquired total transfer data. First transfer instruction means for instructing execution of the first transfer process using the first remittance network, and
A second transfer instruction means for instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data among the acquired total transfer data;
As a function, it has a configuration.

  With this configuration, the present invention, for example, uses the conventional bank network (for example, the Zengin Network) as the first remittance network and uses the management system for the FB (farm banking) service as it is. A transfer amount for performing remittance processing by a network other than the bank network as a network can be provided to the administrator of the second remittance network and the transfer can be executed.

  Therefore, according to the present invention, a normal bank network such as an FB (farm banking) service can be obtained by simply executing a transfer instruction using the second remittance network together with a conventional transfer instruction of the first remittance network. A special remittance network service different from the service (hereinafter referred to as "banking service") can be used, and the second remittance network is managed and operated with an important transfer amount for remittance using the special remittance network service. It can be secured by a third party organization.

  As a result, the present invention can realize smooth remittance processing based on the special remittance network service while eliminating the complexity of using the user's special remittance network service.

  In addition, the present invention provides a second remittance network that realizes a lower transfer fee than a bank fee by, for example, integration of transfers that combine multiple projects into one, or transfer using a third party account. If it can be constructed, it is possible to reduce the costs associated with the transfer by replacing a part of the transfer in the comprehensive transfer with the transfer process in the second remittance network, and the financial institution such as the transfer destination and the transfer source bank Even when funds cannot be transferred due to holidays, etc., funds can be transferred using the second remittance network.

(11) The present invention also provides:
A communication terminal device used by a user;
The first remittance network for executing direct remittance processing between accounts managing the funds of each user of the financial institution, and remittance processing between the users via a third party institution different from the respective financial institution A remittance management device for performing remittance management using a second remittance network to be executed;
With
The remittance management device is
When executing a transfer process from a transfer source user to multiple transfer destination users, at least correspondence between transfer destination information indicating information about each transfer destination user and transfer amount information indicating a transfer amount to be transferred to the transfer destination Acquisition means for acquiring data for comprehensive transfer having a plurality of transfer instruction data attached;
Network type specifying means for specifying the type of remittance network to be used in each transfer instruction data based on each transfer destination information of the acquired total transfer data;
From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the second remittance network, and the extracted transfer amount As a total transfer amount for the second remittance network,
Transfer instruction data for transferring the total amount of transfer for the second remittance network to the account of the financial institution on the first remittance network specified as a settlement account by the third party institution Generating means for generating network transfer instruction data;
Based on the first transfer instruction data specified as the transfer instruction data using the first remittance network and the generated transfer instruction data for the second remittance network among the acquired total transfer data. First transfer instruction means for instructing execution of a first transfer process using the first remittance network;
A second transfer instruction means for instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data among the acquired total transfer data;
It has the composition provided with.

  With this configuration, the present invention, for example, uses the conventional bank network (for example, the Zengin Network) as the first remittance network and uses the management system for the FB (farm banking) service as it is. A transfer amount for performing remittance processing by a network other than the bank network as a network can be provided to the administrator of the second remittance network and the transfer can be executed.

  Therefore, according to the present invention, a normal bank network such as an FB (farm banking) service can be obtained by simply executing a transfer instruction using the second remittance network together with a conventional transfer instruction of the first remittance network. A special remittance network service different from the service (hereinafter referred to as "banking service") can be used, and the second remittance network is managed and operated with an important transfer amount for remittance using the special remittance network service. It can be secured by a third party organization.

  As a result, the present invention can realize smooth remittance processing based on the special remittance network service while eliminating the complexity of using the user's special remittance network service.

  In addition, the present invention provides a second remittance network that realizes a lower transfer fee than a bank fee by, for example, integration of transfers that combine multiple projects into one, or transfer using a third party account. If it can be constructed, it is possible to reduce the costs associated with the transfer by replacing a part of the transfer in the comprehensive transfer with the transfer process in the second remittance network, and the financial institution such as the transfer destination and the transfer source bank Even when funds cannot be transferred due to holidays, etc., funds can be transferred using the second remittance network.

It is a system configuration figure showing the composition of one embodiment in the remittance management system concerning the present invention. It is FIG. (1) for demonstrating the operation | movement principle of the remittance management system in one Embodiment. It is FIG. (2) for demonstrating the operating principle of the remittance management system in one Embodiment. It is FIG. (1) which shows an example of the data format of the data for total transfer in one Embodiment. It is a figure (the 2) which shows an example of the data format of the data for comprehensive transfer in one Embodiment. It is a block diagram which shows the structure of the special remittance management server apparatus in one Embodiment. It is a figure which shows an example of the data stored in the user management database provided in the special remittance management server apparatus in one Embodiment. It is a figure which shows an example of the data stored in the transfer destination management database provided in the special remittance management server apparatus in one Embodiment. It is a flowchart which shows the operation | movement of the comprehensive transfer process including the transfer process for bank type | system | group accounts performed by the special remittance management server apparatus in one Embodiment, and the transfer process for special remittance networks. It is FIG. (1) for demonstrating the operation principle of the remittance management system in the modification of one Embodiment. It is FIG. (2) for demonstrating the operation principle of the remittance management system in the modification of one Embodiment. In order to explain an example in which a part of the transfer amount of the transfer instruction data for the bank-related account is rewritten as transfer instruction data for the special remittance network in the modification data of the embodiment in the general transfer instruction data FIG. It is a block diagram which shows the structure of the terminal device for users in the other modification of one Embodiment.

  Hereinafter, embodiments according to the present invention will be described with reference to the drawings. In the embodiment described below, a user terminal device used by a user, a bank FB system in which a bank FB system managed and operated by each bank is interconnected, and a third party organization different from the bank ( In this embodiment, the remittance management system of the present application is applied to a banking system using a network having a special remittance management server device managed and operated by an administrator.

[1] Remittance Management System [1.1] System Overview First, an overview of the remittance management system 1 of the present embodiment will be described with reference to FIG. FIG. 1 is a system configuration diagram showing the configuration of the remittance management system 1 in the present embodiment. In order to prevent the figure from becoming complicated, FIG. 1 shows only the user terminal device 10 and some financial institution management systems 30 used by some users. That is, in the actual remittance management system 1, there are more user terminal devices 10 and users and financial institution management systems 30 than shown in FIG.

  The remittance management system 1 of the present embodiment executes a direct remittance process between accounts that manage the funds of each user of a bank, a credit union or other financial institutions (hereinafter simply referred to as “financial institutions”). The first remittance network (for example, the Zengin Network, hereinafter also referred to as “financial institution network”) N1 and a third party institution different from the respective financial institution special remittance processing between the users This is a remittance management system using a second remittance network (hereinafter referred to as a “virtual network different from the banking service (hereinafter also referred to as“ special remittance network ”)) N <b> 2 executed as a process.

  In particular, the remittance management system 1 of the present embodiment is an account provided by a financial institution and is a financial institution-type account (hereinafter referred to as “bank-type account”) set on the financial institution network N1. Transfer process (hereinafter referred to as “bank transfer process”) and transfer process using a special remittance network N2 managed by a third party different from the financial institution managing the bank account ( Hereinafter, it is a remittance management system that executes “special transfer processing”.

  And when the remittance management system 1 of this embodiment performs the transfer process using the financial institution system network N1 and the special remittance network N2, the transfer to each account is surely performed without deteriorating the workability of the user. It is a system that executes processing.

Specifically, the remittance management system 1 of the present embodiment is
(1) From a bank account as a transfer source account (that is, a destination account) in a transfer source user (hereinafter referred to as “transfer user”) to a transfer on a bank account or a special remittance network N2 as a transfer destination Transfer destination information including identification information (hereinafter referred to as “user ID”) of the previous user (hereinafter referred to as “transfer destination user”) and transfer amount information indicating the transfer amount to be transferred to the transfer destination correspond to each other. When you acquire data for general transfer that has multiple transfer instruction data attached,
(2) Transfer processing for a bank account is performed using a banking service (that is, bank FB service), and the transfer amount for a transfer instruction using the special remittance network N2 is used using the special remittance network N2. Transfer processing (hereinafter referred to as “Comprehensive Remittance Network Service”) using a service based on the secured transfer amount and a special remittance network (hereinafter also referred to as “special remittance network service”) while securing the remittance service to a third party organization. "Transfer process"))
It has a configuration.

  When a bank account is transferred using a conventional bank FB service, a fee is generated according to the transfer amount and the number of transfers, so the fee increases as the transfer destination increases. Reduction is desired.

  On the other hand, the bank remittance network service different from the bank FB service and net banking has appeared as a method to suppress the remittance network service fee, but it solves the convenience of the user and securing the transfer amount (remittance amount). There are many issues to be solved.

  In particular, the bank FB service has the convenience of processing multiple transfers at once, but it cannot handle the accounts of the bank remittance network service, and bank accounts and non-bank accounts are mixed. Batch transfer process cannot be performed.

  For this reason, when a transfer process to a bank account or the like is desired, it is necessary to separately give a transfer instruction to the bank remittance network service, and the workability of the user is significantly reduced.

  Further, when using an outside bank remittance network service, it is necessary to provide a transfer amount (for example, remittance) on the outside bank remittance network service, but the work of transferring funds only for that purpose becomes complicated. In addition, managing a large number of accounts can reduce the convenience for the user or cause unnecessary confusion.

  Therefore, in the remittance management system 1 of the present embodiment, a service using a special remittance network (hereinafter also referred to as “special remittance network service”) having the same data format as the bank FB service and having a low fee. )) And the total transfer process including the transfer process using the special remittance network N2 is executed, the transfer amount for the transfer instruction for the special remittance network is reduced while eliminating the complexity of the user. A third party organization that manages the remittance network service is secured, and a smooth remittance process in the special remittance network N2 can be realized.

  In other words, in the remittance management system 1 of the present embodiment, for example, the FB (farm banking) service management system is used as it is by using the financial institution network N1, and the special remittance outside the financial institution network N1 is used. A transfer amount for performing remittance processing by the network N2 can be provided to the administrator of the special remittance network via a third party organization, and the transfer can be executed.

  Therefore, in the remittance management system 1 according to the present embodiment, for example, by executing a transfer instruction using the special remittance network N2 together with a conventional transfer instruction of the financial institution network N1, the user can perform, for example, FB (farm banking). ) A special remittance network service different from the usual bank network service (hereinafter referred to as “banking service”) can be used, and the third important transfer amount is used for remittance using the special remittance network service. It can be secured by a person's organization.

  As a result, in the remittance management system 1 of the present embodiment, smooth remittance processing based on the special remittance network service can be realized while eliminating the complexity of using the user's special remittance network service. It has become.

  Moreover, in the remittance management system 1 of this embodiment, cost reduction can be aimed at by selecting remittance means other than a financial institution system network. In particular, in the remittance management system 1 according to the present embodiment, for example, by integration of transfer for collecting a plurality of cases into one case, transfer using an account of a third party institution, or for example, by a third party institution In the case of using the same bank, or the same bank and the same branch, which will be free of charge in the remittance process, the transfer fee will be higher than the fee collected when executing the transfer process executed between banks. If you can build a special remittance network that realizes a low price, you can reduce the costs associated with the transfer by replacing at least part of the transfer in the general transfer with the transfer process in the special remittance network. Yes.

  Specifically, the remittance management system 1 of the present embodiment includes a plurality of user terminal devices 10 used by a corporation or an individual as a user, and special remittance to realize remittance management including the above-described transfer process. It has a special remittance management server device 20 that manages the transfer processing using the network N2, and a financial institution management system 30 that is managed and operated in each financial institution (that is, a bank). And the like, which are connected to each other via a public communication network 40 constructed by the above.

  Also, the remittance management system 1 of the present embodiment connects each financial institution management system 30 such as a public telephone network or a dedicated line to each other via a communication network (hereinafter referred to as “financial institution communication network”) 50. And a special remittance network N2 in which the network is constructed via the public communication network 40. However, the special remittance network N2 may be a network completed within the special remittance management server device 20, or may be formed by being connected to another server device (not shown) by a communication line such as a dedicated line. It may be a physical network.

  The user terminal device 10 is a communication terminal device such as a PC (personal computer), a tablet information communication terminal device, a smartphone, or a mobile phone used by a user.

  In particular, the user terminal device 10 includes an operation unit 11 such as a keyboard, a mouse, and a numeric keypad, and a display unit 12 including display elements such as a liquid crystal panel and an organic EL (Electro Luminescence) panel.

  In addition, the user terminal device 10 includes an application execution unit (not shown) configured by a CPU that executes a predetermined application (hereinafter also referred to as “client application”), and is based on a user instruction. , Generate data for general transfer.

  Then, the user terminal device 10 transmits the total transfer data generated via the public communication network 40 to the special remittance management server device 20.

  The special remittance management server device 20 is a computer system having various databases (hereinafter referred to as “DB”), and centrally manages transactions (remittance and deposit including transfer) of each user using the special remittance network N2. However, it is a system managed and operated by a third party organization.

In particular, the special remittance management server device 20 works in conjunction with each user terminal device 10,
(A) Management function of transfer processing based on data for total transfer (B) Transfer source when third party organization performs transfer process using special remittance network N2 from total transfer data acquired from user terminal device 10 To generate payment instruction data for a settlement account (hereinafter referred to as “transfer instruction data for a special remittance settlement account”) to settle funds (ie, remittance amount) from the bank, and regenerate the total transfer data Generation function,
(C) Bank that refers to the regenerated general transfer data and executes the transfer process for the transfer instruction for the bank account based on the generated general transfer data including the transfer instruction data for the special remittance settlement account Bank account transfer function, and
(D) a transfer processing function for a special remittance network that executes transfer processing for a transfer instruction for a special remittance network with reference to the regenerated general transfer data;
have.

Specifically, the special remittance management server device 20
(1) When executing a transfer process from a transfer source user to a plurality of transfer destination users, transfer destination information indicating information relating to each transfer destination user such as a bank account or a user ID, and transfer to the transfer destination When acquiring the total transfer data having a plurality of transfer instruction data associated with the transfer amount information indicating the amount,
(2) Specific processing for identifying the type of remittance network to be used in each transfer instruction data based on each transfer destination information of the acquired general transfer data,
(3) From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the special remittance network N2, and the extracted transfer amount is As the total amount for special remittance transfer,
(4) Transfer instruction data for transferring the total amount of transfer for special remittance to an account of a financial institution (for example, a bank account) on the financial institution network N1 specified as a settlement account by a third party institution, Generating process to generate and regenerate general transfer data as transfer instruction data for settlement account for special remittance,
(5) Bank system that refers to the regenerated general transfer data, and instructs the execution of the transfer process for the banking service based on the transfer instruction data for the bank account and the generated transfer instruction data for the special remittance settlement account Account transfer instruction acceptance processing, and
(6) Transfer instruction reception process for special remittance network instructing transfer process using special remittance network N2 based on transfer instruction data for special remittance network;
It has the structure which performs.

In particular, in the remittance management system 1 in the transfer instruction acceptance process for the special remittance network (6),
(6A) Check whether the total amount for special remittance has arrived in the settlement account by the transfer process based on the transfer instruction data for the special remittance settlement account,
(6B) When the total amount for special remittance is deposited in the settlement account (that is, one of the banking accounts managed by a third party organization), execute the transfer process based on the transfer instruction data for the special remittance network Instruct,
It has a configuration.

  Note that the above-described generation function, special remittance network transfer processing function, and bank account transfer process function of the special remittance management server device 20 may be realized in the user terminal device 10 by executing a client application. Good. However, each process in this case will be described later as a modified example.

  The financial institution management system 30 is a banking system such as a bank managed by a bank, a credit union or other financial institutions (hereinafter also referred to as “banks”). Alternatively, they are constructed by being interconnected by a financial institution network N1 such as a virtual dedicated line.

  The financial institution management system 30 includes a bank FB management device 300 that manages a bank FB service, a transmission / reception management device 301 that has a mainframe and manages remittance between bank accounts, a bank account management DB 302, And execute processing for executing transfer between bank accounts.

  The bank FB management device 300 is connected to each user terminal device 10 via the public communication network 40, and in response to a request from the user terminal device 10, login management to the bank FB service, balance inquiry and transfer instruction. Provide bank FB services such as reception.

  The transmission / reception management device 301 is a computer system that manages and manages the internal system of the bank, and executes, for example, highly confidential processing such as deposit / withdrawal confirmation processing and transfer processing to another account with the bank account as the destination account. It has the composition to do.

  Further, the transmission / reception management device 301 manages the bank account management DB 302 in response to a request from an in-house terminal device (not shown) such as a terminal device or an automatic teller machine installed at a bank window. Various processes such as balance inquiry, deposit / withdrawal process, and transfer process for bank accounts managed by the bank are executed.

  In particular, when the transmission / reception management device 301 receives a transfer instruction for a bank account transmitted from the special remittance management server device 20 or the like, the transfer amount is determined from the balance of the destination account of the corresponding user based on the transfer instruction. It has a configuration for executing a transfer process of transferring the amount of money to be transferred to the destination account while withdrawing a considerable amount.

  The bank FB management device 300 and the transmission / reception management device 301 may each be configured by a single computer, or may be configured by a plurality of computers including a Web server computer and a mainframe computer. Moreover, the bank FB management apparatus 300 and the transmission / reception management apparatus 301 may be configured by a single integrated computer.

  The bank account management DB 302 is a DB in which information for managing an account opened in a financial institution such as a corresponding bank is recorded as data.

For example, in the bank account management DB 302,
(1) a user ID assigned to each user and identifying the user in the bank;
(2) user information including information corresponding to various attributes such as the user's name, address, telephone number, and mail address;
(3) In addition to the branch name, branch code, corporate / individual type, deposit item, and account number corresponding to the bank account held by the user, history information indicating the deposit / withdrawal record for the bank account. Bank account information including at least
(4) Balance information indicating the balance of the bank account,
Are stored in association with each other.

  The financial institution management system 30 of the present embodiment is basically the same as the existing FB system, and thus detailed description thereof is omitted.

[1.2] Operating Principle of Remittance Management System Next, the operating principle of the remittance management system 1 of the present embodiment will be described using FIG. 2 or FIG. FIG. 2 or FIG. 3 is a diagram for explaining the operating principle of the remittance management system 1 of the present embodiment.

  First, when performing a total transfer by a user (for example, “user A” such as an employee of the company illustrated in FIG. 1), the user terminal device 10 receives its own input based on the user A instruction. Regarding the transfer from the destination account, (a) transfer destination information corresponding to the destination account (b) transfer destination user name (kana name) and (c) transfer amount information indicating the amount to be transferred to the transfer destination information The total transfer data D1 having a plurality of transfer instruction data assigned with each transfer ID is transmitted to the special remittance management server device 20 (step [1] in FIG. 2).

  In particular, as the transfer destination information when performing the transfer process using the financial institution network N1 (that is, the transfer destination information when transferring to the bank account), for example, the name of the financial institution or bank code, branch name Or it includes a branch code, deposit account, and account number.

  Moreover, as the transfer destination information when performing the transfer process using the special remittance network N2, for example, a code for specifying the special remittance (for example, “0000”) in the column of the bank code, and a user ID (for example, User number composed of numbers).

The total transfer data D1 shown in FIG. 2 is an example of total transfer data.
(1) Transfer ID “B1” instructing a transfer of “¥ 5000” to a bank account that can be specified by “ABC bank”, “XXX branch”, account number: “1234567”, deposit item: “1 (ordinary)” ”Transfer instruction data,
(2) Transfer ID “B2” instructing a transfer of “¥ 3000” to a bank account that can be specified by “XYZ bank”, “YYY branch”, account number: “7654321”, deposit item: “2 (current)” ”Transfer instruction data,
(3) Transfer instruction data of transfer ID “B3” instructing Akira Co., Ltd. with user ID “123”, “4567890”, “0” to transfer “¥ 1000” via the special remittance network N2,
(4) Transfer instruction data of transfer ID “B4” for instructing transfer of “¥ 2000” to Tanaka of user ID “456”, “7891231”, “1” via the special remittance network N2,
(5) Transfer instruction data of transfer ID “B5” instructing Suzuki of user ID “987”, “65432219”, “8” to transfer “¥ 2000” via special remittance network N2,
It is data including.

  Further, the user ID in the transfer process based on the special remittance network N2 may be formed with, for example, 3 digits, 7 digits, and 1 digit in order to match the transfer destination information of the transfer process using the financial institution network N1. Good.

  On the other hand, when the special remittance management server device 20 acquires the total transfer data D1, the special remittance management data D1 specifies the transfer instruction data for the special remittance network from the total transfer data D1 while specifying the type of each remittance network (FIG. 2). Step [2]).

  The special remittance management server device 20 adds the transfer amount of the transfer amount information included in the extracted transfer instruction data for the special remittance network as a total transfer amount for special remittance, and based on preset information. , Generate transfer instruction data (specifically, transfer instruction data for the special remittance settlement account) to transfer the total amount of transfer for special remittance to the settlement account indicating the bank account specified by the third party institution, Transfer instruction data for executing each transfer process for each special remittance network is converted into transfer instruction data for a special remittance settlement account (step [3] in FIG. 2).

  In other words, in the present embodiment, when the execution instruction of the total transfer process for the above total transfer data is received, the total amount (¥ 5,000.-) is used as a deposit (deposit) and the special remittance network The special remittance management server device 20 collects the deposit by transferring it to a designated bank account (settlement account) held by a third-party organization that executes the service. While generating the account transfer instruction data, the corresponding transfer instruction data is converted into the transfer instruction data for the special account transfer settlement account, and the total transfer data D1 is regenerated.

  For example, the special remittance management server device 20 has (transfer ID: B3) transfer instruction data for the user ID “12345678900” of “special remittance network”, (transfer ID: B4) user ID “45678912311” of “special remittance network” Transfer instruction data and (transfer ID: B5) "special remittance network" transfer instruction data for account number "987654432198" is extracted, and these transfer instructions are transferred to special remittance total amount "¥ 5000" Payment account (transfer ID: CB1) “XXX” bank, “ZZZ branch”, account number: “777777”, deposit item: “2 (current)” and account name “00” Transfer instruction data for payment account for special remittance using banking service (financial institution network service) It converted to data.

  Next, the special remittance management server device 20 performs a transfer process for the bank FB service based on the transfer instruction data for the bank account including the special remittance settlement account transfer instruction (hereinafter referred to as “bank account transfer process”). ) To the corresponding bank FB system (bank FB system having a destination account) 30 (step [4A-1] in FIG. 3).

  For example, the special remittance management server device 20 executes a transfer instruction to “ABC bank” with the transfer ID “B1” and “XYZ bank” with the transfer ID “B2”, and “XXX bank” with the transfer ID “CB1”. Instructs execution of transfer process for special remittance settlement account.

  At this time, the corresponding financial institution management system 30 makes the transfer IDs “B1”, “B2”, and “CB1” using the financial institution network N1 from the destination account based on the transfer instruction received by the transfer instruction reception process. ”Is executed (step [4A-2] in FIG. 3).

  On the other hand, the special remittance management server device 20 determines whether or not the special remittance settlement account has received money (step [4B-1] in FIG. 3). Transfer instructions with transfer IDs “B3”, “B4”, and “B5” are received as transfer processes via the special remittance network N2 based on the transfer instruction data for the network, and transfer processes based on the received transfer instructions are respectively performed. Execute or enter an executable state (step [4B-2] in FIG. 3).

  Specifically, the special remittance management server device 20 includes account information (hereinafter referred to as “special remittance account information”) for specifying a bank account associated with the user ID of the user who uses the special remittance network N2. Is registered).

  Then, the special remittance management server device 20 searches for the registered special remittance account information based on the user ID as the transfer destination information included in the transfer instruction data for the special remittance network, and A user ID that matches the user ID and name (account name) is detected.

  At this time, the special remittance management server device 20 selects a user ID that matches the user ID and the name (account name) of the transfer destination information from the user IDs registered in association with the special remittance account information. If detected, the special remittance account information of the detected user ID is specified, and a transfer process for transferring the transfer amount corresponding to the specified special remittance account information is executed.

  In particular, the special remittance management server device 20 identifies a third party account of the same bank or the same bank and the same branch as the bank account stored in the specified special remittance account information, Transfer processing is automatically executed from the specified third party institution account to the account of the special remittance account information.

  The special remittance management server device 20 cannot detect a user ID that matches the user ID of the transfer destination information from the user IDs registered in association with the special remittance account information. Acquires the contact information (for example, e-mail address or telephone number) included in the additional information of the relevant transfer instruction data, and transfers the transfer to the transfer destination user based on the instruction to the transfer destination user A process for receiving the transfer amount addressed to the previous user is executed.

  For example, the special remittance management server device 20 prompts the transfer destination user to register transfer destination information, and executes the transfer destination information registration to the transfer destination user based on an instruction to the transfer destination user.

  Then, the special remittance management server device 20 is the same bank or the same bank as the bank account of the registered special remittance account information based on the registered transfer destination information, as described above. The third party institution account of the branch is specified, and the transfer process is executed from the specified third party institution account to the account of the special remittance account information.

[2] Data for Comprehensive Transfer Next, data for comprehensive transfer according to the present embodiment will be described with reference to FIGS. 4 and 5. 4 and 5 are diagrams showing an example of the data format of the general transfer data according to the present embodiment.

  Each transfer instruction data of the total transfer data D1 of the present embodiment has a data structure in a format including, for example, four records of a header record, a data record, a trailer record, and an end record, as illustrated in FIGS. In each record, various types of information are defined by a total number of digits of 120 or less.

  In particular, the header record includes information such as the name (for example, “User A” in FIGS. 2 and 3) of the user who requested the transfer (hereinafter also referred to as “transfer requester”), and the transfer. The designated date and destination account information corresponding to the transfer source account are stored.

  The data record stores the transfer destination information, the transfer amount information, and the payee name corresponding to each transfer instruction data, and the trailer record or end record stores the number of transfers (in FIGS. 2 and 3). In this case, information such as 5 cases) and the total amount of transfer (in the case of FIGS. 2 and 3, ¥ 13000) are stored.

  Then, by using the data having the above configuration as the total transfer data D1 of the present embodiment, the remittance management system 1 of the present embodiment uses the destination account based on the total transfer data D1. Each destination account designated as a transfer destination, an amount of money to be transferred to each destination account, and the like can be specified.

  Furthermore, the total transfer data D1 of this embodiment illustrated in FIGS. 4 and 5 has the same data format as that of the conventional FB. That is, the comprehensive transfer data D1 of the present embodiment is compatible with the conventional bank FB, and incorporates destination account information corresponding to the transfer instruction data for the special remittance network while using the format. Be able to.

  Therefore, the existing user terminal device 10 and the financial institution management system 30 in the present embodiment can use the general transfer data D1 of the present embodiment as usual.

  Each transfer instruction data may be provided with an area capable of storing various additional information such as a contact mail address, a telephone number, or a scheduled payment date.

[3] Special Remittance Management Server Device Next, the configuration of the special remittance management server device 20 of the present embodiment will be described with reference to FIGS. FIG. 6 is a block diagram showing the configuration of the special remittance management server device 20 according to the present embodiment. FIGS. 7 and 8 show the user management DB 231 or the transfer destination management DB 232 provided in the special remittance management server device 20. It is a figure which shows an example of the data recorded.

  As shown in FIG. 6, the special remittance management server device 20 of the present embodiment is connected to the public communication network 40 and communicates with the public remittance network N2, and executes a communication in the special remittance network N2, and a ROM that functions as various memories. / RAM 220, storage device 230 having various DBs, management control unit 240 for overall control, various transfer instructions and transfer processing, and data processing unit 250 for executing processing related thereto, and specifying the current time The above-described units are connected to each other by a bus B, and data transfer between the components is executed.

  The communication control unit 210 is a predetermined network interface and is connected to the user terminal device 10 and the financial institution management system 30 via the public communication network 40 to exchange various data. In particular, the communication control unit 210 establishes a special remittance network N2 by connecting to the financial institution management system 30 of each financial institution via the public communication network 40.

  Various programs necessary for driving the special remittance management server device 20 are recorded in the ROM / RAM 220. The ROM / RAM 220 is used as a work area when various processes are executed.

  The storage device 230 is configured by an HDD (Hard Disc Drive) or an SSD (Solid State Drive), a user management DB 231 that manages users who use the special remittance network, a transfer destination management DB 232, a remittance management data storage unit 233, Is built.

  Note that the user management DB 231 of this embodiment constitutes a recording unit of the present invention, for example.

  The user management DB 231 is a DB in which information for managing users who use the special remittance network N2 is recorded as data.

For example, as shown in FIG.
(1) A user ID assigned to each user who uses the special remittance network N2 and for identifying the user at a third party organization,
(2) User information including information corresponding to various attributes such as the user's name, address, telephone number, and email address;
(3) Account information (hereinafter referred to as “registered account information for special remittance”) indicating a bank account that is the transfer destination registered by the user, and
(4) Information on the use history when using the special remittance network N2 (hereinafter referred to as “use history information”),
Are recorded in association with each other.

  In FIG. 7, “IT Co., Ltd.” (e-mail address “itd@123.co.jp”, address “Tokyo ...”, and telephone numbers corresponding to the user IDs “321”, “6549879”, and “0” are shown. No. “03-1234-5678”) is registered with the registered bank information for special remittance of AAA bank, ○ branch, account number “123456”, and history information is stored as usage history information It is shown.

  The transfer destination management DB 232 is a DB in which information for managing a bank account for transfer associated with a user ID that uses the special remittance network N2 is recorded as data.

  That is, in this embodiment, as will be described later, even when the transfer source requests a transfer via a bank account, it is possible to switch to a transfer via the special remittance network N2 according to the request of the transfer destination. This is a database for converting the transfer destination.

  For example, in the transfer destination management DB 232, as shown in FIG. 8, the user ID when using the special remittance network N2, the kana name (account name) corresponding to the bank account to be converted, and the bank account of the transfer source Information (hereinafter referred to as “transfer bank account information”) is recorded in association with each other.

  FIG. 8 shows an example in which the transfer source bank account information is associated with the user IDs “321”, “6498879”, “0” and the ordinary account “0000001” of “ZZZ Bank” and “Ginza Branch”. Yes.

  That is, when the transfer source requests a transfer process to the bank account stored in the transfer source bank account information of FIG. 8, the special remittance on the user registration of the user IDs “321”, “6549879”, “0” The transfer process is executed via the special remittance network N2 to the bank account indicated by the registered account information (for example, the special remittance registration account information shown in FIG. 7). Therefore, the special remittance network N2 can be used for the transfer to the bank account by the financial institution network N1.

  In addition, the process which changes a transfer destination to the transfer using the special remittance network N2 by request | requirement of a transfer destination is explained in full detail in a modification.

  The remittance management data storage unit 233 is used when executing transfer processing using bank account information corresponding to the bank account specified by the third party institution as the default deposit destination for deposit money and the special remittance network N2. Various data and applications for executing each processing based on the data for comprehensive transfer, such as a plurality of bank accounts with different banks in a third party organization, are stored.

  The management control unit 240 is mainly configured by a central processing unit (CPU), and performs integrated control of each unit of the special remittance management server device 20 by executing a program.

  The data processing unit 250 is configured by an independent central processing unit (CPU) or realized by using the CPU of the management control unit 240.

  Specifically, the data processing unit 250 executes a predetermined program to obtain a data transfer unit 251 that acquires the total transfer data D1 from the user terminal device 10, and a special remittance settlement from the total transfer data D1. A data generation processing unit 252 that generates transfer instruction data for an account, a bank transfer management unit 253 that executes a transfer instruction for a bank account, and a payment confirmation that performs a determination process of payment confirmation to a special remittance settlement account The processing unit 254 and the special remittance management unit 255 that manages the user management DB 231 and executes the transfer using the special remittance network N2 are realized.

  For example, the data acquisition unit 251 of the present embodiment constitutes an acquisition unit of the present invention, and the data generation processing unit 252 constitutes an addition unit, a network type identification unit, a determination unit, and a conversion unit of the present invention. Further, for example, the bank transfer management unit 253 of the present embodiment constitutes a first transfer instruction unit of the present invention, and the receipt confirmation processing unit 254 configures a confirmation unit of the present invention. Further, for example, the special remittance management unit 255 of the present embodiment constitutes a second transfer instruction unit, a corresponding account management unit, and a transfer destination management unit of the present invention.

  The data acquisition unit 251 executes processing for acquiring the total transfer data D1 from the user terminal device 10 in conjunction with the communication control unit 210.

  The data acquisition unit 251 establishes a secure communication connection with the user terminal device 10 according to a communication protocol such as TLS (Transport Layer Security) or SSL (Secure Socket Layer), for example, and the user terminal device The total transfer data D <b> 1 is acquired from 10.

  The data generation processing unit 252 specifies, for each transfer instruction data included in the general transfer data D1, the network type used when executing the transfer process, so that the transfer instruction data for the special remittance network, the bank system Specify the transfer instruction data for the account.

  Then, the data generation processing unit 252 generates the transfer instruction data for the special remittance settlement account based on the specified transfer instruction data for the special remittance network, and the transfer for the special remittance settlement account that generated the extracted transfer instruction data. Convert to instruction data.

Specifically, the data generation processing unit 252
(1) For each transfer instruction data included in the general transfer data D1, specify a network type for specifying whether it is a transfer instruction data for a special remittance network or a transfer instruction data for a bank account,
(2) Sum the transfer amount of the transfer amount information included in the transfer instruction data for the specified special remittance network as the total amount of transfer for special remittance,
(3) Transfer instruction data for transferring the total amount for special remittance to the settlement account based on the information indicating the settlement account preset and stored by the third party organization (specifically, special (Transfer instruction data for payment account for remittance)
(4) The transfer instruction data for executing each transfer process for each special remittance network is converted into transfer instruction data for a special remittance settlement account.

  For example, if the special code “0000” is defined in the bank code of the transfer instruction data, the data generation processing unit 252 is a transfer process for executing the transfer process using the special remittance network N2. When the network type is specified and other codes are specified, the network type is specified as the transfer process for executing the transfer process using the financial institution network N1.

  Based on the transfer instruction data for the bank account specified by the bank transfer management unit 253 and the data generation processing unit 252, and the transfer instruction data for the special remittance settlement account generated and converted by the data generation processing unit 252 Then, it instructs the corresponding bank FB system (bank FB system having a bank account specified by the user) 30 to execute the transfer process for the bank account.

  Specifically, the bank transfer management unit 253 instructs the corresponding financial institution management system 30 to execute the transfer process for the bank account from the destination account based on the transfer destination information included in the bank transfer instruction data. To do.

  When the bank transfer management unit 253 executes the transfer process, the bank transfer management unit 253 establishes a communication line with the user terminal device 10 and excludes the transfer instruction data for the special remittance settlement account in conjunction with the user terminal device 10. Then, the payment confirmation for the transfer instruction data for each bank account in the general transfer data D1 is executed.

  The receipt confirmation processing unit 254 instructs the financial institution management system 30 to perform a bank account transfer process, and after a predetermined time elapses every predetermined time (for example, within 5 hours of use of the FB service). Inquiries are made to the financial institution management system 30 (after 24 hours have passed every minute) to check whether or not the transfer to the third party institution's payment account has been completed.

  The special remittance management unit 255 receives a transfer instruction for the special remittance network included in the general transfer data D1 when the payment confirmation processing unit 254 confirms the completion of the transfer to the settlement account, and for the general transfer Based on the transfer instruction data for the special remittance network included in the data D1, a transfer process using the special remittance network N2 is executed.

Specifically, the special remittance management unit 255 performs transfer processing using the special remittance network N2,
(1) The user ID is specified from the transfer instruction data for the special remittance network included in the general transfer data D1,
(2) detecting the same user ID as the user ID specified with reference to the user management DB 231;
(3) The bank account information of the transfer destination registered in association with the detected user ID is detected to identify the bank account,
(4) Determine whether or not the Kana name in the transfer instruction data (that is, the name of the transfer recipient) matches the account name (Kana name) of the specified bank account,
(5) When the name of the transfer recipient and the specified bank account name match, the remittance management data storage unit 233 indicates that the matching bank account is, for example, the same bank or the same bank. Identify a third-party account in the same branch,
(6) A transfer process is executed to transfer the transfer amount specified in the transfer instruction data from the specified third party account to the bank account of the transfer destination.

  Further, the special remittance management unit 255, when a user ID that matches the user ID of the transfer instruction data is not registered in the user management DB 231, or the kana name of the transfer instruction data (that is, the name of the transfer recipient) If the specified bank account name (Kana name) does not match, the transfer process may be canceled, or the contact information (for example, e-mail) of the transfer address included in the additional information of the transfer instruction data Address or phone number), prompt the user of the bank account to register bank account information (bank account information), and execute the same bank transfer process as described above based on the registered bank account information May be.

  When the special remittance management unit 255 executes the transfer process, the special remittance management unit 255 establishes a communication line with the user terminal device 10 and links each transfer instruction data in the total transfer data D1 in conjunction with the user terminal device 10. Perform payment confirmation.

[4] Operation of remittance management system
Next, the operation of the comprehensive transfer process including the transfer process for the bank account and the transfer process for the special remittance network executed by the special remittance management server device 20 of the present embodiment will be described with reference to FIG.

  FIG. 9 is a flowchart showing the operation of the comprehensive transfer process including the transfer process for the bank account and the transfer process for the special remittance network executed by the special remittance management server device 20 of the present embodiment.

  In this operation, it is assumed that a bank account has already been opened by the user, and each data is stored in the bank account management DB 302 and the user management DB 231, respectively.

  In this operation, it is assumed that the bank account of the transfer source has a sufficient balance to execute the comprehensive transfer process.

  First, when the data generation processing unit 252 acquires the general transfer data D1 including the transfer instruction data for the bank account and the transfer instruction data for the special remittance network from the user terminal device 10 in conjunction with the communication control unit 210. (Step S101), the data generation processing unit 252 specifies the network type (transfer instruction data for a special remittance network or transfer instruction data for a bank account) from the acquired total transfer data D1 (Step S102). .

  Next, the data generation processing unit 252 calculates, in each transfer instruction data for the specified special remittance network, the transfer amount of the transfer amount information included in each transfer instruction data as a total amount for special remittance transfer ( Step S103), to generate special remittance settlement account transfer instruction data for performing a special remittance settlement account transfer instruction to the financial institution management system 30 to remit the special remittance transfer total amount to the settlement account (step S103) S104).

  Next, the bank transfer management unit 253 directs the bank transfer account based on the transfer instruction data for the special remittance settlement account and the bank transfer account data specified in step S102 to the corresponding financial institution management system 30. A transfer process is instructed (step S105).

  At this time, when receiving the transfer instruction from the bank transfer management unit 253, the financial institution management system 30 executes a transfer process using the financial institution network N1 based on the transfer instruction data for the bank account.

  If the bank balance of the bank account used as the transfer source is less than the transfer amount indicated by the transfer instruction data for the bank account, the bank transfer management unit 253 notifies the user terminal device 10 to that effect. This operation is forcibly terminated at this point.

  Next, the receipt confirmation processing unit 254 operates in conjunction with the timer 260 and determines the presence or absence of receipt in conjunction with the financial institution management system 30 at each predetermined timing (step S106), and a predetermined period. In step S107, it is determined whether the receipt of money has been confirmed.

  At this time, if the receipt confirmation processing unit 254 determines that the receipt confirmation has been made within a predetermined time, the process proceeds to step S108, and the receipt confirmation cannot be performed within the preset time. If it is determined, the cancel process for canceling the transfer process for the special remittance network is executed, and the fact (error) is notified to the user terminal device 10 (step S111), and this operation is terminated. .

  On the other hand, if it is determined by the receipt confirmation processing unit 254 that the receipt confirmation has been made within a predetermined time, the special remittance management unit 255 uses the special remittance network N2 included in the general transfer data D1. The transfer instruction using the special remittance network N2 is executed based on the transfer instruction data for the special remittance network included in the general transfer data D1 after receiving the used transfer instruction (step S108) and the operation is terminated. Let

[5] Modification [5.1] Modification 1
In the above embodiment, the general transfer process including the transfer using the bank account of the transfer destination and the special remittance network N2 is executed based on the instruction of the user of the transfer source, but based on the setting of the user of the transfer destination Then, the transfer process for the bank account instructed by the transfer source user may be changed to the transfer process for the special remittance network, and the comprehensive transfer process may be executed.

  In other words, when the transfer destination user wishes to change the transfer process for his bank account to the transfer process for the special remittance network, and the predetermined setting related thereto is made, the special remittance management server device 20 Then, the transfer instruction for the corresponding bank account is changed to the transfer instruction for the special remittance network and the comprehensive transfer process is executed.

In particular, the special remittance management server device 20
(1) Corresponding account in which a user ID is registered in association with information related to a bank account such as an account number corresponding to a bank account for which transfer processing is desired (hereinafter referred to as “bank account information”). Manage the transfer destination management DB 232 in which information is registered and stored,
(2) Among transfer instruction data included in the acquired general transfer data, given conditions including at least that the bank account specified by the transfer instruction data for the bank account is stored in the corresponding account information To determine whether or not
(3) When it is determined that the given condition is satisfied, the account information stored in association with the bank account information is identified as the corresponding account information, and based on the identified account information Change the transfer instruction data for the bank account to the transfer instruction data for the special remittance network.
It has a configuration.

Specifically, the special remittance management unit 255, based on a user instruction received by the user terminal device 10, for example, in the transfer destination management DB 232 as shown in FIG.
Specially associated with the transfer destination information including the account information for identifying the bank account (that is, the account information set as the transfer destination information included in the transfer instruction data for the bank account of the general transfer data) The user ID on the remittance network N2 is registered and stored as transfer destination correspondence information.

On the other hand, the data generation processing unit 252
(1) It has a given condition including at least that the transfer destination information of the bank account transfer instruction data included in the acquired general transfer data is stored as transfer destination correspondence information in the transfer destination management DB 232 Whether or not
(2) When it is determined that the given conditions are satisfied, the bank account transfer instruction data is transferred to the special remittance network based on the user ID stored in association with the transfer destination information. Convert to instruction data and rewrite general transfer instruction data.

  However, in this embodiment, since the rewriting of the kana name indicating the account name is prohibited, the transfer instruction data has a specification that the kana name cannot be rewritten by the above-described processing.

  The data generation processing unit 252 generates special remittance settlement account transfer instruction data based on the rewritten general transfer data D1, and the special remittance management unit 255 generates the special remittance settlement account. Based on the transfer instruction data, a transfer instruction for the special remittance network and a transfer process are executed.

  Further, the bank transfer management unit 253 instructs the financial institution management system 30 to execute the transfer process for the bank account based on the bank account transfer instruction data included in the rewritten general transfer instruction data.

  For example, as shown in FIG. 10, as the corresponding account information for changing to the transfer process for the special remittance network by the user terminal device 10, the transfer destination is associated with the user IDs “987”, “65443219”, “8”. General transfer data D1 including transfer instruction data for a bank account with a transfer ID “B4” registered and stored in the management DB 232 (that is, “ZZZ Bank”, “Ginza Branch”, and account number “0000001”) Assume a case of transmission (step [M1] in FIG. 10).

  In this case, the special remittance management server device 20 (specifically, the data generation processing unit 252) searches the corresponding account information registered and stored in the transfer destination management DB 232 based on the total transfer data D1. , Transfer instruction data for “ZZZ Bank”, “Ginza Branch”, and account number “0000001” is registered as corresponding account information, and the transfer instruction data is transferred to the special remittance network with user ID “987654432198”. The transfer instruction data is changed to rewrite the general transfer instruction data (step [M2] in FIG. 10).

  Then, the special remittance management server device 20 (specifically, the data generation processing unit 252), similar to the above embodiment, transfers the remittance instruction data for the special remittance network (ie, transfer ID) from the rewritten general transfer data D1. : B3 and B4) are extracted, and based on the extracted transfer instruction data, a transfer instruction for a special remittance settlement account is generated, and a transfer instruction for executing each transfer process for each special remittance network is sent to the special account remittance. For payment account (transfer ID: CB1 / XXX bank ZZZ branch account 7777777 transfer amount “¥ 2500” transfer instruction) (step [M3] in FIG. 10).

  Thereafter, the special remittance management server device 20 (specifically, the bank transfer management unit 253) transfers the transfer instruction data for the bank account including the transfer instruction for the special remittance settlement account (transfer IDs: B1, B2, and CB1). Based on the bank account transfer instruction, the corresponding financial institution management system 30 is executed (step [M4A-1] in FIG. 11).

  At this time, the financial institution management system 30 executes a transfer process for the transfer IDs “B1”, “B2”, and “CB1” using the financial institution network N1 based on the transfer instruction received by the transfer instruction reception process. (Step [M4A-2] in FIG. 11).

  On the other hand, the special remittance management server device 20 (specifically, the receipt confirmation processing unit 254 or the special remittance management unit 255) determines whether or not there is any deposit to the special remittance settlement account (transfer ID: CB1) (see FIG. 11 [M4B-1]), if it is determined that there is “payment in”, the transfer IDs “B3” and “B4” using the special remittance network N2 based on the transfer instruction data for the special remittance network A transfer instruction is received, and a transfer process based on the received transfer instruction is executed (step [M4B-2] in FIG. 11).

[5.2] Modification 2
In the embodiment of the first modification, the special remittance management server device 20 gives a transfer amount, a transfer source, and the like when rewriting the transfer process based on the bank account to the transfer process based on the special remittance network N2. The transfer instruction data corresponding to the general transfer instruction data may be rewritten based on the above conditions.

For example, given conditions:
(1) The transfer source is a pre-registered transfer source (2) The transfer amount is a pre-registered amount, an amount greater than or less than the amount,
(3) The transfer time is the time (date) registered in advance,
Etc. are included.

  That is, the special remittance management server device 20 is a case where transfer instruction data to a bank account registered in the corresponding account information is included in the general transfer instruction data, and the transfer source in the transfer instruction data, Transfer amount, transfer date and time, or when two or more of these conditions match the one registered as the corresponding account information, it is comprehensive as if the given amount was maintained while maintaining the transfer amount The corresponding transfer instruction data in the transfer instruction data is rewritten to the transfer instruction data for the special remittance network.

  Thus, in this modification, for example, when the transfer destination user wishes to perform the transfer process of the special remittance network N2 instead of the bank account for the remittance for the self, the transfer source user is the transfer destination user. Even if the first account is specified, the transfer process can be executed using the second account.

  Therefore, in this modification, since the transfer process according to the request of the transfer destination user can be executed without bothering the transfer instruction of the transfer source user, the convenience of the user can be improved.

[5.3] Modification 3
In the embodiments of the first and second modifications, the special remittance management server device 20 maintains the transfer amount when the given condition is satisfied, and the corresponding transfer instruction data among the total transfer instruction data. Is rewritten as transfer instruction data for the special remittance network, but on the assumption that it is registered in the corresponding account information, a part of the transfer amount is rewritten as transfer instruction data for the special remittance network. Also good.

  For example, in the case of receiving general transfer instruction data having transfer instruction data for a bank account registered in the corresponding account information with a transfer amount of “¥ 50000”, and “¥ 30000” as the corresponding account information Assume that rewriting to transfer instruction data for a special remittance network is registered.

  In this case, as shown in FIGS. 12 (A) and (B), the special remittance management server device 20 transfers the transfer instruction data for the bank account whose corresponding transfer amount is “¥ 50000” to the transfer amount “ While maintaining the transfer instruction data for the corresponding bank account of “¥ 20000”, the transfer instruction data for the special remittance network registered for the transfer amount “¥ 30000” is rewritten.

  With this configuration, in this modification, it is possible to determine whether to convert the transfer instruction data for the first account into the transfer instruction data for the special remittance network according to the transfer amount, the transfer source, or the transfer date and time. Therefore, the intention of the transfer destination can be accurately reflected.

  Therefore, in this modification, since the management of the transfer including the payment confirmation at the transfer destination can be performed in detail, the convenience for the user can be improved.

  FIGS. 12A and 12B show the transfer instruction data for the special remittance network for a part of the transfer amount of the transfer instruction data for the bank account in the general transfer instruction data. It is a figure for demonstrating the example at the time of rewriting as.

[5.4] Modification 4
In this modification, the special remittance management server device 20 executed in the above embodiment,
(1) Among the transfer instruction data included in the acquired general transfer data, a summing process for adding up the total amount of special remittance transfer of the transfer instruction data for the special remittance network; and
(2) The user terminal device 10 may execute processing for generating settlement account transfer instruction data for generating special remittance settlement bank account transfer instruction data including the total amount of special remittance transfer.

  Specifically, as shown in FIG. 13, the user terminal device 10 according to the present modification is configured by a CPU, a memory, and the like. The above-described bank FB application execution unit 110 and the bank FB application are linked to each other as described above. General transfer application execution unit 120 that executes each process, display control unit 140 that controls the display unit 130, storage unit 150 that stores work memory and predetermined data, and an operation that receives a user operation from the input device 160 A reception processing unit 170 and a network control unit 180 are included.

Then, the general transfer application execution unit 120
(1) When executing a transfer process from a transfer source user to a plurality of transfer destination users, transfer destination information indicating information relating to each transfer destination user such as a bank account or a user ID, and transfer to the transfer destination When acquiring the total transfer data having a plurality of transfer instruction data associated with the transfer amount information indicating the amount,
(2) Specific processing for identifying the type of remittance network to be used in each transfer instruction data based on each transfer destination information of the acquired general transfer data,
(3) From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the special remittance network N2, and the extracted transfer amount is As the total amount for special remittance transfer,
(4) Transfer instruction data for transferring the total amount of transfer for special remittance to an account of a financial institution (for example, a bank account) on the financial institution network N1 specified as a settlement account by a third party institution, Generation processing to generate as transfer instruction data for the settlement account for special remittance,
(5) Banking account transfer instruction reception processing for instructing execution of a banking service transfer process based on the bank transfer account transfer instruction data and the generated special remittance settlement account transfer instruction data; and
(6) Special remittance transfer instruction reception process for instructing a transfer process using the special remittance network N2 based on the transfer instruction data for the special remittance network;
It has the structure which performs.

  In this case, the special remittance management server device 20 executes the transfer process based on the transfer instruction for the special remittance network transmitted from the user terminal device 10, and the financial institution management system 30 is the same. The transfer process is executed based on the transfer process execution instruction for the bank account transmitted from the user terminal device 10.

  In this case, the user management DB 231 and the transfer destination management DB 232 are formed on the special remittance management server device 20 and the public communication network 40, and the user terminal device 10 communicates with the user management DB 231 and the transfer destination management DB 232. Each process is executed by performing

  Further, in this case, the user terminal device 10 receives the receipt confirmation of the total amount for special remittance to the settlement account via the special remittance management server device 20 and confirms that the receipt confirmation has been received. It may be transmitted to the special remittance management server device 20 as a condition, or a transfer instruction is executed in advance to the special remittance management server device 20, and there is no confirmation of payment in the special remittance management server device 20 within a predetermined period. In this case, it may be received that it is an execution error of the transfer process for the special money transfer network.

  With this configuration, in this modified example, as in the above-described embodiment, comprehensive transfer processing can be executed, so that the special remittance network is eliminated while eliminating the complexity of using the user's special remittance network service. Smooth remittance processing based on the service can be realized.

  FIG. 13 is a block diagram showing a configuration of the user terminal device 10 in the present modification.

[5.5] Modification 5
In the above embodiment, the special remittance management server device 20 alone constructs a virtual special remittance network and executes various processes of the general transfer process. Each process of the management server device 20 may be executed, or a network is constructed by a plurality of special remittance management server devices 20, and each of the above processes independently or in cooperation with another special remittance management server device 20 May be executed.

  In the above embodiment, the user management DB 231 and the transfer destination management DB 232 are formed in the special remittance management server device 20, but may be formed on the public communication network 40.

[5.6] Modification 6
In the above embodiment, when executing the transfer process using the special remittance network N2, the transfer process is executed in advance without using the financial institution network N1 with the bank account as the transfer destination. As a transfer destination, an account outside the bank account may be set as a special account, and remittance (transfer) between the special accounts may be executed as a transfer process using the special remittance network N2.

[5.7] Modification 7
In the above embodiment, the user ID is composed of numbers, for example, but, for example, in the data format forming the general transfer instruction data, the branch number (3 digits), the account number (7 digits), the deposit type (One digit) may be used for specification, or a specific area may be used for specification.

[5.8] Modification 8
In the above embodiment, when it is confirmed that the total amount for special remittance has arrived in the settlement account by the transfer process based on the special remittance settlement account transfer instruction data, it is based on the special remittance network transfer instruction data. Although the execution of the transfer process is instructed, the transfer process based on the transfer instruction data for the special remittance settlement account is executed (including the timing at which the transfer instruction data for the special remittance settlement account is generated). You may instruct | indicate execution of the transfer process based on the transfer instruction data especially for a remittance network.

  In this case, a predetermined condition such as when the transfer amount for the special remittance network is a certain amount or less may be provided.

[5.9] Modification 9
The special remittance management server device 20 of the above embodiment, when the transfer destination information for the transfer destination user is not registered, as a process for receiving the transfer amount addressed to the transfer destination user, Contact the user and execute registration of the transfer destination information of the user, but the corresponding user uses the automatic teller machine such as ATM to transfer the transfer ID, PIN code (for example, four-digit number), and transfer amount Based on the input of the Kana name as the payee, the cash of the transfer amount may be provided to the corresponding user (execution of payment), or may be a charge in electronic money.

[5.10] Modification 10
The special remittance management server device 20 according to the above embodiment executes a transfer process for transferring money to a corresponding transfer destination when payment can be confirmed as a transfer instruction reception process for the special remittance network. Alternatively, the transfer process may be executed automatically, or the transfer process may be executed under certain conditions such as after confirming whether or not the transfer destination user has received money.

  For example, the special remittance management server device 20 designates when the amount received by the transfer destination user is equal to or more than a predetermined amount (100,000 yen or more) in addition to the amount after the transfer destination user accepts the payment. When the due date (for example, a predetermined date (including time) every month or every March), or when the final instruction such as the transfer source is executed, the transfer instruction data for the special remittance network You may instruct | indicate execution of the transfer process based on.

  In particular, the case where the final instruction of the transfer source is executed indicates a case where the final instruction of transfer from the transfer source is received after the instruction of the transfer process based on the data for general transfer. For example, by realizing the transfer process that introduces such final instructions, it is possible to correct the timing difference between delivery and remittance and receipt of goods such as network services for auctions, and perform safe transactions Become.

  For example, the transfer destination user sends a product when the transfer destination user executes the transfer process based on the general transfer data, and the final instruction is executed when the transfer source user receives the product. The

  Note that the transfer destination user may reject the payment in confirming whether or not there is a payment for the transfer process. In this case, the special remittance management server device 20 cancels the transfer process based on the transfer instruction data for the corresponding special remittance network (that is, corresponding to the user who refused the payment).

  The special remittance management server device 20 may receive contact information each time it executes a transfer process based on transfer instruction data for a special remittance network.

DESCRIPTION OF SYMBOLS 1 ... Remittance management system 10 ... User terminal device 20 ... Special remittance management server device 30 ... Financial institution management system 210 ... Communication control part 220 ... ROM / RAM
230 ... Storage device 231 ... User management DB
232 ... Transferee management DB
240 ... Management control unit 250 ... Data processing unit 251 ... Data acquisition unit 252 ... Data generation processing unit 253 ... Bank transfer management unit 254 ... Payment confirmation processing unit 255 ... Special remittance management unit 300 ... Bank FB management device 301 ... Account management Device 302 ... Bank account management DB

Claims (11)

The first remittance network for executing direct remittance processing between accounts managing the funds of each user of the financial institution, and remittance processing between the users via a third party institution different from the respective financial institution A remittance management system using a second remittance network to execute,
When executing a transfer process from a transfer source user to multiple transfer destination users, at least correspondence between transfer destination information indicating information about each transfer destination user and transfer amount information indicating a transfer amount to be transferred to the transfer destination Acquisition means for acquiring data for comprehensive transfer having a plurality of transfer instruction data attached;
Network type specifying means for specifying the type of remittance network to be used in each transfer instruction data based on each transfer destination information of the acquired total transfer data;
From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the second remittance network, and the extracted transfer amount As a total transfer amount for the second remittance network,
Transfer instruction data for transferring the total amount of transfer for the second remittance network to the account of the financial institution on the first remittance network specified as a settlement account by the third party institution Generating means for generating network transfer instruction data;
Based on the first transfer instruction data specified as the transfer instruction data using the first remittance network and the generated transfer instruction data for the second remittance network among the acquired total transfer data. First transfer instruction means for instructing execution of a first transfer process using the first remittance network;
A second transfer instruction means for instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data among the acquired total transfer data;
A remittance management system comprising: In the remittance management system according to claim 1,
The first transfer process further includes confirmation means for confirming whether or not the total amount of transfer for the second remittance network has arrived in the settlement account.
The second transfer instruction means
Remittance management instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data when the total amount of transfer for the second remittance network is received in the settlement account system. In the remittance management system according to claim 1 or 2,
The remittance management system, wherein the second transfer instruction data is configured in a data format for executing the first transfer process. In the remittance management system according to claim 3,
The generating means is
Regenerate the total transfer data including the transfer instruction data for the second remittance network,

The first transfer instruction means is
Instructing the execution of the first transfer process with reference to the regenerated general transfer data,
Said second transfer instruction means,
A remittance management system for instructing execution of the second transfer process with reference to the regenerated general transfer data. In the remittance management system according to any one of claims 1 to 4,
The transfer destination information of the transfer instruction data for the first remittance network includes account specifying information for specifying an account in the financial institution,
The remittance management system, wherein the transfer destination information of the second remittance network transfer instruction data includes user identification information for identifying each user on the second remittance network. In the remittance management system according to any one of claims 1 to 5,
Account management means for managing storage means in which account information related to the account of each user's transfer destination is stored in association with the transfer destination information included in the second transfer instruction data,
The account management means is
When the second transfer process is instructed, the transfer unit information that matches the transfer destination information included in the second transfer instruction data is searched from the storage unit,
Specify account information stored in association with the transfer destination information that matches the transfer destination information included in the second transfer instruction data,
A remittance management system that transfers the transfer amount to the account with the specified account information. In the remittance management system according to claim 6 ,
The transfer destination information included in the second transfer instruction data includes contact information of the user of the transfer destination,
The account management means is
When the transfer destination information matching the transfer destination information included in the second transfer instruction data is not recorded, the contact information included in the transfer destination information of the second transfer instruction data and the user of the transfer destination And a remittance management system for causing the user of the transfer destination to execute a process for receiving the transfer amount addressed to the user of the transfer destination based on the instruction. In the remittance management system according to any one of claims 1 to 6,
Storage in which user identification information for identifying the user on the second remittance network is stored as transfer destination correspondence information in association with the transfer destination information including account information for specifying the account of the financial institution Remittance management means for managing the means,
It is determined whether or not the transfer destination information of the first transfer instruction data included in the acquired general transfer data has a given condition including at least that stored in the transfer destination correspondence information. A determination means;
When it is determined that the given condition is satisfied, the first transfer instruction data is converted into the second transfer instruction data based on the user identification information stored in association with the transfer destination information. Conversion means for converting;
A remittance management system. In the remittance management system according to claim 8,
The given condition includes, in addition to storing the transfer destination correspondence information, at least one of a condition related to the transfer amount, a condition related to the transfer source, and a condition related to the transfer date and time, Remittance management system. The first remittance network for executing direct remittance processing between accounts managing the funds of each user of the financial institution, and remittance processing between the users via a third party institution different from the respective financial institution A remittance management program using a second remittance network to be executed,
Computer
When executing a transfer process from a transfer source user to multiple transfer destination users, at least correspondence between transfer destination information indicating information about each transfer destination user and transfer amount information indicating a transfer amount to be transferred to the transfer destination Acquisition means for acquiring data for general transfer having a plurality of transfer instruction data attached;
Network type specifying means for specifying the type of remittance network to be used in each transfer instruction data, based on each transfer destination information of the acquired general transfer data,
From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the second remittance network, and the extracted transfer amount As the total amount for the second remittance network transfer,
Transfer instruction data for transferring the total amount of transfer for the second remittance network to the account of the financial institution on the first remittance network specified as a settlement account by the third party institution Generation means for generating as network transfer instruction data,
Based on the first transfer instruction data specified as the transfer instruction data using the first remittance network and the generated transfer instruction data for the second remittance network among the acquired total transfer data. First transfer instruction means for instructing execution of the first transfer process using the first remittance network, and
A second transfer instruction means for instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data among the acquired total transfer data;
A program characterized by functioning as A communication terminal device used by a user;
The first remittance network for executing direct remittance processing between accounts managing the funds of each user of the financial institution, and remittance processing between the users via a third party institution different from the respective financial institution A remittance management device for performing remittance management using a second remittance network to be executed;
With
The remittance management device is
When executing a transfer process from a transfer source user to multiple transfer destination users, at least correspondence between transfer destination information indicating information about each transfer destination user and transfer amount information indicating a transfer amount to be transferred to the transfer destination Acquisition means for acquiring data for comprehensive transfer having a plurality of transfer instruction data attached;
Network type specifying means for specifying the type of remittance network to be used in each transfer instruction data based on each transfer destination information of the acquired total transfer data;
From the acquired total transfer data, the transfer amount of the transfer amount information is extracted from the second transfer instruction data specified as the transfer instruction data using the second remittance network, and the extracted transfer amount As a total transfer amount for the second remittance network,
Transfer instruction data for transferring the total amount of transfer for the second remittance network to the account of the financial institution on the first remittance network specified as a settlement account by the third party institution Generating means for generating network transfer instruction data;
Based on the first transfer instruction data specified as the transfer instruction data using the first remittance network and the generated transfer instruction data for the second remittance network among the acquired total transfer data. First transfer instruction means for instructing execution of a first transfer process using the first remittance network;
A second transfer instruction means for instructing execution of a second transfer process using the second remittance network based on the second transfer instruction data among the acquired total transfer data;
A remittance management system comprising: