JP7026094B2 - Deposit / withdrawal control system, deposit / withdrawal control method, and program - Google Patents

Description

The present invention relates to a deposit / withdrawal control system, a deposit / withdrawal control method, and a program.

Conventionally, it has been considered that a plurality of financial institutions cooperate with each other to provide financial services. For example, in Patent Document 1, a database containing customer information of a customer who has a bank account and account information of a bank account is prepared in a securities brokerage system for a bank to cooperate with a securities company. When there is a request to open a securities account from the terminal, the account information associated with the customer information is acquired from the database, and the bank account for settlement of securities transactions with the securities company is selected as the settlement account. It is stated that it should be done.

Japanese Unexamined Patent Publication No. 2006-127312

However, since the securities brokerage system of Patent Document 1 can only be used by banks that have already cooperated with securities companies, banks that intend to cooperate with securities companies from now on need to newly introduce a securities brokerage system. In this respect, when trying to link banks with different business contents and securities companies, the introduction cost is higher than when banks with similar business contents are linked. Therefore, in the technique of Patent Document 1, if an attempt is made to introduce a securities brokerage system for each bank, a huge introduction cost will be incurred.

An object of the present disclosure is to provide a deposit / withdrawal control system, a deposit / withdrawal control method, and a program capable of reducing the introduction cost when linking a financial institution and a financial instruments business operator.

In order to solve the above problems, the deposit / withdrawal control system according to one aspect of the present invention is applied to the user's first account opened in the first financial institution and at least the second financial institution that cooperates with the first financial institution. It is opened in the first acquisition means for acquiring the first cooperation information associated with the opened second account of the user, the second account, and at least the financial instruments business operator that cooperates with the second financial institution. Based on the second acquisition means for acquiring the second linkage information associated with the third account of the user, the first linkage information, and the second linkage information, the line is performed via the second account. It is characterized by including a deposit / withdrawal control means for controlling deposits / withdrawals between the first account and the third account.

It is a figure which shows an example of the deposit / withdrawal control system which concerns on embodiment. It is a figure which shows an example of the deposit / withdrawal service which concerns on embodiment. It is a functional block diagram which shows the function realized in this embodiment. It is a figure which shows the data storage example of the account database of a local bank. It is a figure which shows the data storage example of the account database of the net bank. It is a figure which shows the data storage example of the 1st cooperation database. It is a figure which shows the data storage example of the 2nd cooperation database. It is a figure which shows the data storage example of the account database of net securities. It is a flow diagram of the process executed in this embodiment. It is a functional block diagram of a modification.

[1. Overall configuration of deposit / withdrawal control system]
Hereinafter, examples of embodiments according to the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing an example of a deposit / withdrawal control system according to an embodiment. In this embodiment, the net banking system 2 shown in FIG. 1 will be described as an example of the deposit / withdrawal control system. Therefore, the portion described as the net bank system 2 in this embodiment can be read as a deposit / withdrawal control system.

As shown in FIG. 1, in the present embodiment, each of the local bank system 1, the net bank system 2, the net securities system 3, and the user terminal 40 can be connected to a network N such as the Internet. Although these are shown one by one in FIG. 1, a plurality of these may exist.

The regional bank system 1 is a system managed by a regional bank. A regional bank is an example of a first financial institution. Therefore, the part described as a regional bank in this embodiment can be read as the first financial institution. The financial institution may be of any kind, for example, a so-called depository institution. For example, a financial institution may be a bank, a credit union, a credit cooperative, a labor bank, or the Norinchukin Bank. The bank may be of any type, for example, a city bank, a regional bank, an online bank, or a trust bank. The first financial institution may be a bank other than a regional bank.

The local bank system 1 includes a local bank server 10. The local bank server 10 is a server computer. For example, the local bank server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes, for example, at least one processor. The storage unit 12 includes, for example, a main storage unit such as a RAM and an auxiliary storage unit such as a hard disk. The control unit 11 executes processing according to the programs and data stored in the storage unit 12. The communication unit 13 includes a communication interface for wired communication or wireless communication. The regional bank system 1 may include other computers. For example, the regional bank system 1 may include another server computer, or may include a terminal operated by a bank employee of the regional bank.

The online banking system 2 is a system managed by an online bank. An online bank is a bank that does not have a store and operates mainly for transactions on the Internet. An online bank is an example of a second financial institution. Therefore, the part described as an online bank in this embodiment can be read as a second financial institution. The second financial institution is a financial institution different from the first financial institution. The meaning of financial institutions is as described above. The second financial institution may be of any type, for example, a bank other than an online bank may correspond to the second financial institution, or a financial institution other than the bank may correspond to the second financial institution. ..

The net banking system 2 includes a net banking server 20. The net bank server 20 is a server computer. For example, the net bank server 20 includes a control unit 21, a storage unit 22, and a communication unit 23. The hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The net banking system 2 may include another computer. For example, the net banking system 2 may include another server computer, or may include a terminal operated by a bank employee of the net bank.

The net securities system 3 is a system managed by net securities. Net securities is a securities company that does not have a store and operates mainly for transactions on the Internet. Internet securities are an example of a financial instruments business operator. Therefore, the part described as online securities in this embodiment can be read as a financial instruments business operator. The financial instruments business operator may be of any kind, and may be, for example, a person who engages in a type 1 financial instruments business or a person who engages in a type 2 financial instruments business. The financial instruments business operator may be a securities company other than online securities, and may be, for example, a securities company having a physical store.

The net securities system 3 includes a net securities server 30. The net securities server 30 is a server computer. For example, the net securities server 30 includes a control unit 31, a storage unit 32, and a communication unit 33. The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The net securities system 3 may include another computer. For example, the net securities system 3 may include another server computer, or may include a terminal operated by an employee of the net securities.

The user terminal 40 is a computer operated by the user. For example, the user terminal 40 is a personal computer, a smartphone, or a tablet type terminal. The user terminal 40 includes a control unit 41, a storage unit 42, a communication unit 43, an operation unit 44, and a display unit 45. The hardware configurations of the control unit 41, the storage unit 42, and the communication unit 43 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 44 is an input device such as a touch panel or a mouse. The display unit 45 is a liquid crystal display or an organic EL display.

The programs and data described as being stored in each of the local bank server 10, the net bank server 20, the net securities server 30, and the user terminal 40 may be supplied to them via the network N. Further, these hardware configurations are not limited to the above examples, and various hardware can be applied. For example, a reading unit for reading a computer-readable information storage medium (for example, an optical disk drive or a memory card slot) or an input / output unit for directly connecting to an external device (for example, a USB terminal) may be included. .. In this case, the program or data stored in the information storage medium may be supplied via the reading unit or the input / output unit.

[2. Outline of deposit / withdrawal control according to the embodiment]
In the present embodiment, the net bank system 2 and the net securities system 3 are linked to each other, and a deposit / withdrawal service is provided to the user. This deposit / withdrawal service is a service for executing deposits / withdrawals between an online bank account and an online securities account. The deposit / withdrawal service is sometimes called an account linkage service. A user who uses a deposit / withdrawal service opens an account at each of an online bank and an online securities company.

For example, in the deposit / withdrawal service, when a user places a buy order with online securities and the balance (funds) of the user's account (deposit) of the online securities is insufficient, the online securities system 3 to the online banking system 2 In response to this, a withdrawal request for withdrawing from the user's account of the online bank is sent. This withdrawal request is a request to supplement the shortage of funds for placing a buy order of the user.

The net bank system 2 withdraws money from the account of the user of the net bank in response to the withdrawal request. This withdrawal is credited to the net securities account of the user who placed the buy order, and the shortage of funds is replenished. When the shortage is replenished, a buy order is placed based on the contents specified by the user. The balance of the online bank account may be retained at the amount specified by the user. Further, the net securities system 3 may send a balance inquiry of the user's account of the net bank to the net bank system 2, and may send a withdrawal request when the balance of this account is equal to or more than the shortage amount.

Further, for example, in the deposit / withdrawal service, when a predetermined deposit / withdrawal timing such as at night comes, the net securities system 3 withdraws from the account of the user of the net securities. The net securities system 3 may withdraw the entire account balance of the net securities, or may retain the amount specified by the user. This withdrawal is credited to the user's account at the online bank.

As described above, the deposit / withdrawal service is provided to users who have accounts in both online banks and online securities. As a method for realizing a deposit / withdrawal service between the online banking system 2 and the online securities system 3, known methods can be used, for example, by an API for automatically executing deposits / withdrawals between them. It will be realized.

In this embodiment, a deposit / withdrawal service is also provided to a user of a local bank. That is, the functions related to the deposit / withdrawal service are open to local banks as well as online banks and securities. The local bank can use the public deposit / withdrawal service to provide a service for executing deposits / withdrawals between the local bank account and the online securities account to the local bank user.

However, what is provided to regional banks is only the function related to the deposit and withdrawal service between the online bank account and the online securities account. For example, if the online bank provides other services such as purchasing lottery tickets and public competition lottery, in this embodiment, not all the functions of the online bank are provided to the local bank (of the online bank). (Rather than coordinating with local banks for all services), we will explain the case where the functions related to deposit and withdrawal services with online securities are provided to local banks. For this reason, deposits and withdrawals are not executed directly between the local bank account and the online securities account, but between the local bank account and the online securities account via the online bank account. Deposits and withdrawals are made indirectly. An online bank account acts like a hub that mediates deposits and withdrawals between a local bank account and an online securities account. The local bank may be provided with other services of the online bank such as purchase of lottery tickets and public competition lottery tickets. This point will be described in a modified example described later.

Here, for example, when a user of a local bank who does not use the deposit / withdrawal service newly starts using the deposit / withdrawal service, the deposit / withdrawal between the local bank account and the online securities account is taken as an example. Explain the flow. For example, it is assumed that the user uses a local bank as a main bank and does not open an account with an online bank and an online securities company. The user visits a store of a local bank or accesses the local bank system 1 to apply for a deposit / withdrawal service. The local bank requests each of the online bank and the online securities to open an account, and the user's account is opened in each of the online bank and the online securities.

The account opening itself may be performed according to a known procedure. In the present embodiment, the online bank has a branch dedicated to a regional bank, and a user's account is opened at the branch. A dedicated branch is a so-called corporate branch, and all or part of the name of a regional bank is included in the branch name. Only users authorized by the local bank can open an account at the dedicated branch of the local bank, and other banks and the like cannot open an account without permission. On the other hand, for online securities, an account is opened according to the normal procedure for opening an account. When the account opening is completed, the local bank account, the online bank account, and the online securities account are each associated with each other, and the deposit / withdrawal service can be used.

FIG. 2 is a diagram showing an example of a deposit / withdrawal service according to an embodiment. In the example of FIG. 2, it is assumed that the main bank of the user U1 is the regional bank A, the main bank of the user U2 is the regional bank B, and the main bank of the user U3 is the regional bank C. Each of these users U1 to U3 has opened accounts A1 to C3 in the regional banks A to C, which are their main banks.

The user U4 shown in FIG. 2 has the net bank X as the main bank, and has opened an account X4 at the head office of the net bank X. It is assumed that the user U4 has not opened an account at the local bank. The user U4 has an account Y4 in the net securities Y and uses a conventional deposit / withdrawal service between the net bank X and the net securities Y. Deposits and withdrawals in this deposit and withdrawal service are executed by two parties, the net banking system 2 and the net securities system 3. The flow of deposits and withdrawals is as described above.

Each of the users U1 to U3 has completed the application procedure for the deposit / withdrawal service, and has opened accounts X1 to X3 and Y1 to Y3 in each of the net bank X and the net securities Y. As mentioned above, the net bank X has a dedicated branch for each regional bank. On the other hand, regarding the net securities Y, the same account as the user U4 who uses the existing deposit / withdrawal service is opened, and it is assumed that there is no concept like a dedicated branch of a regional bank.

For example, the user U1 whose main bank is the regional bank A opens an account at the A branch of the net bank X (the dedicated branch of the regional bank A). Further, for example, the user U2 whose main bank is the regional bank B opens an account at the B branch of the net bank X (the dedicated branch of the regional bank B). Further, for example, the user U3 whose main bank is the regional bank C opens an account at the C branch of the net bank X (the dedicated branch of the regional bank C). In the present embodiment, the balance of these accounts is fixed at 0 yen, and the balance is restricted so as not to increase further.

For example, when the user U1 places a buy order on the net securities Y and the funds in the account of the user U1 of the net securities Y are insufficient, the net securities system 3 sends the net bank system 2 to the net bank X's account. A withdrawal request from X1 is sent. This withdrawal request is made using the API of the existing deposit / withdrawal service. When the net bank X receives the withdrawal request, it transmits the withdrawal request from the account A1 of the regional bank A to the regional bank system 1. This withdrawal request is made using the API between the local banking system 1 and the online banking system 2.

The regional bank system 1 of the regional bank A withdraws an amount according to the shortage of funds from the account A1 of the regional bank A in response to the withdrawal request, and deposits the money into the account X1 of the net bank X. This deposit / withdrawal is performed using the API between the local bank system 1 and the online banking system 2. As mentioned above, since the balance of the account X1 of the net bank X is fixed at 0 yen, the balance does not increase even if the deposit is executed, and the balance does not decrease even if the withdrawal is executed.

The net bank system 2 deposits the deposit from the account A1 of the regional bank A into the account X1 of the net bank X into the account Y1 of the net securities Y. That is, when the deposit is made from the account A1 of the regional bank A to the account X1 of the net bank X, the deposit to the account X1 of the net bank X is immediately made as it is to the account Y1 of the net securities Y without increasing the balance of the account X1. Will be credited to. This deposit is made using the API of the existing deposit / withdrawal service. Since the amount of the net securities Y account Y1 increases according to the shortage of funds, it is possible to execute a buy order with the contents specified by the user.

As described above, the shortage of funds in the user's buy order is automatically deposited from the account A1 of the regional bank A to the account Y1 of the net securities Y via the account X1 of the net bank X. As shown in FIG. 2, for the users U2 and U3, the shortage funds are deposited from the regional banks B and C to the net securities Y via the net bank X in the same flow as the user U1. Since the balances of the accounts X2 and X3 at the B and C branches of the online bank X are also fixed at 0 yen, the balance does not increase even if the deposit is executed, and the balance does not decrease even if the withdrawal is executed.

Further, for example, when a predetermined deposit / withdrawal timing such as at night arrives, deposits from the net securities Y to each of the regional banks A to C are executed. Taking the user U1 as an example, when the deposit / withdrawal timing comes, the net securities system 3 withdraws all or part of the account Y1 of the net securities Y and deposits the money into the account X1 of the net bank X. This deposit is made using the API of the existing deposit / withdrawal service. As mentioned above, since the balance of the account X1 of the net bank X is fixed at 0 yen, the balance does not increase even if the deposit is executed, and the balance does not decrease even if the withdrawal is executed.

The net bank system 2 deposits the deposit from the account Y1 of the net securities Y into the account X1 of the net bank X into the account A1 of the regional bank A. That is, when the deposit is made from the account Y1 of the net securities Y to the account X1 of the net bank X, the deposit to the account X1 of the net bank X is immediately made as it is to the account A1 of the regional bank A without increasing the balance of the account X1. Will be credited to. As a result, the user can transfer the funds obtained by buying and selling in the net securities Y to the account A1 of the regional bank A.

As shown in FIG. 2, for the users U2 and U3, the funds are deposited from the net securities Y to the regional banks B and C via the net bank X in the same flow as the user U1. Since the balance of the accounts X2 and X3 of users U2 and U3 at the B and C branches of the net bank X is also fixed at 0 yen, the balance does not increase even if the deposit is executed, and even if the withdrawal is executed. The balance does not decrease.

As described above, in the present embodiment, the functions related to the deposit / withdrawal service between the net bank X and the net securities Y are disclosed to the regional banks A to C. By using the function related to this deposit / withdrawal service to realize deposits and withdrawals between regional banks A to C and online securities Y via online banks X, regional banks A to C and online securities Y can be used. We are trying to reduce the introduction cost when linking. Hereinafter, details of the functions and the like realized in the present embodiment will be described.

[3. Functions realized in this embodiment]
FIG. 3 is a functional block diagram showing the functions realized in the present embodiment. In this embodiment, a case where each of the local bank system 1, the net bank system 2, and the net securities system 3 is realized will be described.

[3-1. Local banking system]
The local bank system 1 includes a data storage unit 100 and a deposit / withdrawal control unit 101. The data storage unit 100 is mainly realized by the storage unit 12, and the deposit / withdrawal control unit 101 is mainly realized by the control unit 11.

[Data storage]
The data storage unit 100 stores data necessary for the business of a local bank. For example, the data storage unit 100 stores data necessary for realizing the deposit / withdrawal service. Here, as an example of this data, the account database DB1 of a regional bank will be described.

FIG. 4 is a diagram showing an example of data storage in the account database DB1 of a regional bank. As shown in FIG. 4, the account database DB1 is a database in which various information regarding an account opened in a local bank is stored. For example, the account database DB 1 stores information such as a branch code, a branch name, an account deposit type, an account number, a holder, and a balance. In the present embodiment, the deposit type of the user who uses the deposit / withdrawal service is assumed to be an ordinary account, but other types of accounts may be used.

The account database DB 1 may store information on all accounts of a local bank, or may store only information on the accounts of users who use the deposit / withdrawal service. Other information may be stored in the account database DB 1, and for example, a user's deposit / withdrawal history or information indicating whether or not the deposit / withdrawal service is used may be stored.

The data stored by the data storage unit 100 is not limited to the above example. For example, the data storage unit 100 may store API data for executing deposits and withdrawals between a local bank account and an online bank account. Further, for example, the data storage unit 100 may store data for cooperation between a local bank and an online bank (for example, API data for a balance inquiry).

[Deposit / Withdrawal Control Unit]
The deposit / withdrawal control unit 101 controls deposits / withdrawals between a local bank account and an online bank account. For example, when the deposit / withdrawal control unit 101 receives a predetermined withdrawal request, the deposit / withdrawal control unit 101 withdraws from the account of the local bank based on the withdrawal request and reduces the balance of the account by the amount corresponding to the withdrawal amount. The withdrawal request shall include the account information of the account to be withdrawn, the withdrawal amount, and the account information of the account to be withdrawn. The account to be withdrawn is the account that is the source of withdrawal, and the balance is reduced by withdrawal. The account to be deposited is the account to which the deposit is made, and the balance increases due to the deposit.

The account information is information that can identify the account, and for example, a branch code and an account number are stored. The account information may contain information that can identify the account, and may store other information such as a financial institution code and a holder. For example, the withdrawal request to the regional bank system 1 includes the branch code and account number of the local bank account to be withdrawn, the withdrawal amount, and the branch code and account number of the net securities account to be deposited. It shall be.

The deposit / withdrawal control unit 101 refers to the withdrawal request and specifies the account information of the account to be withdrawn. The deposit / withdrawal control unit 101 withdraws the amount corresponding to the withdrawal request from the specified account to reduce the balance. The deposit / withdrawal control unit 101 refers to the withdrawal request and specifies the account information of the account to be the deposit destination. The deposit / withdrawal control unit 101 transmits a deposit request to the net bank system 2 that manages the specified account. The deposit request shall include the account information of the account to be deposited, the withdrawal amount, and the account information of the account to be withdrawn. The meanings of deposit and withdrawal targets are as described above. When the deposit request is transmitted, the deposit / withdrawal control unit 204 of the net bank system 2 executes the deposit to the account of the net bank.

Further, for example, when the deposit / withdrawal control unit 101 receives a predetermined deposit request, the deposit / withdrawal control unit 101 deposits money into the account of the local bank based on the deposit request, and increases the balance of the account by the amount corresponding to the deposit amount. The account information to be deposited included in this deposit request is the account information of the local bank. The deposit / withdrawal control unit 101 refers to the deposit request and specifies the account information of the account of the regional bank to which the deposit is made. The deposit / withdrawal control unit 101 will deposit money into the account of the local bank indicated by the specified account information.

[3-2. Online banking system]
The net bank system 2 includes a data storage unit 200, an account opening unit 201, a first acquisition unit 202, a second acquisition unit 203, and a deposit / withdrawal control unit 204. The data storage unit 200 is mainly realized by the storage unit 22, and each of the other functions is mainly realized by the control unit 21.

[Data storage]
The data storage unit 200 stores data necessary for the business of an online bank. For example, the data storage unit stores data necessary for realizing a deposit / withdrawal service. Here, as an example of this data, the account database DB2 of the net bank, the first linked database DB3, and the second linked database DB4 will be described.

FIG. 5 is a diagram showing an example of data storage in the account database DB2 of an online bank. As shown in FIG. 5, the account database DB2 is a database in which various information related to an account opened in an online bank is stored. For example, the account database DB 2 stores information such as a branch code that uniquely identifies a branch in an online bank, a branch name, a deposit type of an account, an account number, a holder, and a balance. In the present embodiment, the deposit type of the user who uses the deposit / withdrawal service is assumed to be an ordinary account, but other types of accounts may be used.

The account database DB 2 may store information on all accounts of the online bank, or may store only information on the accounts of users who use the deposit / withdrawal service. Other information may be stored in the account database DB2, for example, the user's deposit / withdrawal history, information indicating whether or not the deposit / withdrawal service is used, or the balance of the account is restricted so as not to increase. Information that identifies the database may be stored.

FIG. 6 is a diagram showing a data storage example of the first linkage database DB3. As shown in FIG. 6, the first linked database DB3 is a database for realizing deposits and withdrawals between a regional bank and an online bank. For example, the first linked database DB 3 is associated with a financial institution code of a local bank, account information of a local bank, and account information of an online bank. In the present embodiment, since the deposit / withdrawal service is provided by a plurality of regional banks, the combination of the account information of the regional banks and the account information of the online bank is stored in the first linked database DB3 for each regional bank. become.

In the first linkage database DB3, the account information of the local bank account and the account information of the net bank account are associated with each user who uses the deposit / withdrawal service. Association is to make one information searchable from another. In the present embodiment, storing the information in the same record of the first linkage database DB3 corresponds to the association.

In this embodiment, the case where the account information of each user of a plurality of regional banks is stored in one first linked database DB3 will be described, but the first linked database DB3 is prepared for each regional bank. It may have been done. That is, the data storage unit 100 may store a plurality of first linked databases DB3 corresponding to each of the plurality of regional banks.

FIG. 7 is a diagram showing a data storage example of the second linkage database DB4. As shown in FIG. 7, the second linked database DB4 is a database for realizing deposits and withdrawals between an online bank and an online securities company. For example, in the second linked database DB4, the account information of the net bank and the account information of the net securities are associated with each other. The meaning of the account information is as described above.

For online securities, the case where the department store code is stored instead of the branch code will be described, but the branch code may also be used for online securities. In the second linked database DB4, the account information of the net bank account and the account information of the net securities account are associated with each user who uses the deposit / withdrawal service. The second linked database DB4 stores a combination of online bank account information and online securities account information for each user who uses the deposit / withdrawal service.

The data stored by the data storage unit 200 is not limited to the above example. For example, the data storage unit 200 may store API data for mediating deposits and withdrawals between a local bank account and an online securities account. Further, for example, the data storage unit 100 includes data for linking a local bank and an online bank (for example, data of API for balance inquiry) and data for linking online bank and online securities (for example, API for balance inquiry). Data) and may be stored.

[Account opening department]
The account opening unit 201 opens an account at an online bank. As mentioned above, the known processing can be applied to the opening of the account itself. In the present embodiment, creating a new record in the account database DB2 and storing information such as a branch code and an account number of the newly opened account corresponds to opening an account. This information may be entered by a bank employee of an online securities company or may be specified by a user. The account number may be automatically numbered based on a predetermined numbering rule.

In the present embodiment, the online bank has a dedicated branch of a local bank, and the account opening unit 201 opens an account at the dedicated branch when the local bank permits the user to open an account. In the present embodiment, the online bank cooperates with a plurality of regional banks, and the online bank has a dedicated branch for each regional bank. Therefore, the account opening unit 201 opens an account for the user among the plurality of regional banks. Open an online bank account at the authorized branch of the local bank.

The account opening unit 201 opens an account at a dedicated branch of the local bank, provided that the opening of the account is permitted by the local bank. If the local bank does not allow the user to open an account, the account opening department 201 does not open an account at the dedicated branch of the local bank, and the account opening department 201 is allowed to open the user's account by the local bank. In some cases, open an account at the dedicated branch of the local bank.

For example, when the local bank permits the opening of an account, the local bank system 1 sends a predetermined account opening request to the online banking system 2. The account opening request is a request for opening an account, and is performed by transmitting information in a predetermined data format. The account opening request contains information necessary for opening an account, for example, information such as a branch code, a branch name, a deposit type, a holder, an address, and a telephone number. For example, the account opening request may be sent when a local bank employee performs a predetermined operation, or may be automatically sent when the local bank system 1 passes the examination for opening an account.

[First acquisition department]
The first acquisition unit 202 acquires the first linkage information associated with the user's account opened in the local bank and at least the account opened in the online bank linked with the local bank. In this embodiment, the regional bank directly cooperates with the online bank. Local banks indirectly cooperate with online securities through online banks. Coordination is a business cooperation relationship, for example, enabling deposits and withdrawals using API. Local banks may have a cooperative relationship with financial institutions other than online banks and online securities, and for online securities, deposits and withdrawals are only possible through online banks, and there is no cooperative relationship. May be good.

In the present embodiment, the combination of the account information of the local bank and the account information of the net bank stored in the first cooperation database DB 3 is an example of the first cooperation information. Therefore, the part explaining the combination of these account information in the present embodiment can be read as the first cooperation information. For example, since the first linkage information is stored in the first linkage database DB3, the first acquisition unit 202 acquires the first linkage information by referring to the data storage unit 200. When the first cooperation information is stored by a computer other than the net bank server 20, the first acquisition unit 202 acquires the first cooperation information stored in the other computer.

The first cooperation information acquired by the first acquisition unit 202 is the first cooperation information of the user who is the holder of the account to be deposited and withdrawn. For example, when deposit / withdrawal for supplementing the shortage of funds at the time of a buy order is executed, the first acquisition unit 202 acquires the first cooperation information of the user who placed the buy order. Further, for example, when the deposit / withdrawal is executed when the predetermined deposit / withdrawal timing arrives, the first acquisition unit 202 acquires the first cooperation information of the user who is the target of the deposit / withdrawal at the deposit / withdrawal timing. The users who are the targets of deposits and withdrawals at the deposit and withdrawal timing may be all users or some users. When some users are targeted, the users themselves specify whether or not they wish to deposit and withdraw at the timing of deposit and withdrawal.

[Second acquisition department]
The second acquisition unit 203 acquires the second linkage information associated with the account of the net bank and at least the account of the user's net securities opened in the net securities linked with the net bank. Internet securities work directly with online banks. Net securities indirectly cooperate with regional banks through online banks. Net securities may have a cooperative relationship with regional banks and financial institutions other than online banks, and for regional banks, deposits and withdrawals are only possible through online banks, and there is no cooperative relationship. May be good.

In the present embodiment, the combination of the account information of the net bank and the account information of the net securities stored in the second cooperation database DB4 is an example of the second cooperation information. Therefore, the part explaining the combination of these account information in the present embodiment can be read as the second cooperation information. For example, since the second linkage information is stored in the second linkage database DB 4, the second acquisition unit 203 acquires the second linkage information by referring to the data storage unit 200. When the second cooperation information is stored by a computer other than the net bank server 20, the second acquisition unit 203 acquires the second cooperation information stored in the other computer.

The second cooperation information acquired by the second acquisition unit 203 is the second cooperation information of the user who is the holder of the account to be deposited and withdrawn. For example, when deposit / withdrawal for supplementing the shortage of funds at the time of a buy order is executed, the second acquisition unit 203 acquires the second cooperation information of the user who placed the buy order. Further, for example, when the deposit / withdrawal is executed when the predetermined deposit / withdrawal timing arrives, the second acquisition unit 203 acquires the second cooperation information of the user who is the target of the deposit / withdrawal at the deposit / withdrawal timing.

[Deposit / Withdrawal Control Unit]
The deposit / withdrawal control unit 204 controls deposits / withdrawals between a local bank account and an online securities account, which are performed via an online bank account, based on the first linkage information and the second linkage information. This deposit and withdrawal is at least one of a deposit from a local bank account to an online securities account and a deposit from an online securities account to a local bank account. In the present embodiment, the case where the deposit / withdrawal control unit 204 controls both of these will be described, but only one of them may be controlled.

For example, the deposit / withdrawal control unit 204 deposits withdrawals from a local bank account into an online securities account. Further, for example, the deposit / withdrawal control unit 204 deposits the withdrawal from the account of the net securities into the account of the local bank. The deposit / withdrawal control unit 204 uses the account of the net bank to mediate the deposit / withdrawal between the account of the local bank and the account of the net securities. In other words, the deposit / withdrawal control unit 204 identifies the account to which the received withdrawal request or deposit request should be transferred based on the first cooperation information and the second cooperation information.

For example, when the deposit / withdrawal control unit 204 receives a deposit from a local bank account to an online bank account, the deposit / withdrawal control unit 204 makes all or part of the deposit from the online bank account online based on the second cooperation information. Deposit to a securities account. In the present embodiment, the case where all the deposits from the local bank account to the online bank account are deposited into the online securities account will be described, but the amount after deducting the predetermined fee will be deposited into the online securities account. You may. In this case, the amount withdrawn from the local bank will be the amount obtained by adding the fee to the shortage of funds in the online securities. The deposit / withdrawal control unit 204 identifies the account of the net securities associated with the account of the deposited net bank based on the second cooperation information. The deposit / withdrawal control unit 204 deposits withdrawals from the account of the local bank into the account of the specified online securities.

Further, for example, when the deposit / withdrawal control unit 204 receives a deposit from an online securities account to an online bank account, all or part of the deposit is made from the online bank account based on the first cooperation information. Deposit to a local bank account. In the present embodiment, the case where all of this deposit is also deposited in the account of the regional bank will be described, but the amount obtained by subtracting the predetermined fee may be deposited in the account of the regional bank. The deposit / withdrawal control unit 204 identifies the local bank account associated with the deposited net bank account based on the first linkage information. The deposit / withdrawal control unit 204 deposits withdrawals from the online securities account into the specified regional bank account.

In the present embodiment, when the deposit / withdrawal control unit 204 receives a withdrawal request for withdrawal from the account of the online bank, the deposit / withdrawal control unit 204 withdraws from the account of the regional bank to the regional bank based on the first cooperation information. Send a withdrawal request to make money. This withdrawal request includes the account information of the online bank account as the account information of the account to be withdrawn. The withdrawal amount is the shortage of funds at the time of the buy order or more. The account information of the account to be input is the account information of the net securities of the user who placed the buy order.

The deposit / withdrawal control unit 204 withdraws from the local bank's account to the local bank based on the first cooperation information, provided that the withdrawal request for withdrawing from the online bank's account is received. Send a withdrawal request. The deposit / withdrawal control unit 204 sends a withdrawal request for withdrawing from the local bank's account to the local bank in response to receiving the withdrawal request for withdrawing from the online bank's account.

In the present embodiment, as in the user U4 of FIG. 2, a deposit / withdrawal service for depositing / withdrawing money between an online bank and an online securities is provided to a user who has not opened an account at a local bank. .. For example, the API of this deposit / withdrawal service is as described above, and may be an existing API. The deposit / withdrawal control unit 204 is based on the same API as the API of the deposit / withdrawal service, and among the deposits / withdrawals between the local bank account and the net securities account, the deposit / withdrawal control unit 204 is between the net bank account and the net securities account. Control deposits and withdrawals. That is, this API is shared regardless of whether it is a user of a local bank or a user of an online securities company.

The deposit / withdrawal control unit 204 is based on an API different from the API of the deposit / withdrawal service, and among the deposits / withdrawals between the local bank account and the net securities account, between the local bank account and the net bank account. Control deposits and withdrawals. The different API is an API developed between the local bank system 1 and the net banking system 2, and the net securities system 3 does not recognize the contents of the API and does not send the call.

For example, an online bank cooperates with multiple regional banks, and the same API as the API for deposit and withdrawal services is common to multiple regional banks, and an API different from the API for deposit and withdrawal services is prepared for each regional bank. There is. For the local bank system 1 and the online banking system 2, the API developed for the deposit / withdrawal service is used only between them. This API can use the API in the normal deposit / withdrawal service between ordinary accounts. For example, if a local bank and an online bank are already linked by a normal deposit / withdrawal service, the deposit / withdrawal between the local bank and the online bank is executed by using the function of the existing deposit / withdrawal service. May be good.

The net bank account of the present embodiment is an account whose balance does not increase or an account whose balance is limited to a predetermined amount or less. An account whose balance does not increase is an account whose balance has a fixed value, for example, an account whose balance does not exceed 0 yen. An account whose balance is limited to a predetermined amount or less is an account whose balance does not exceed the predetermined amount. The predetermined amount as the threshold value may be a fixed value or a variable value.

The deposit / withdrawal control unit 204 can be used with a local bank account, which is performed through an online bank account, without increasing the balance of the online bank account or by increasing the balance of the online bank account to a predetermined amount or more. Control deposits and withdrawals with and from online securities accounts. For example, the deposit / withdrawal control unit 204 treats the deposit received by the user's account of the net bank as it is as its own withdrawal.

[3-3. Internet securities system]
The net securities system 3 includes a data storage unit 300 and a deposit / withdrawal control unit 301. The data storage unit 30 is mainly realized by the storage unit 32, and the deposit / withdrawal control unit 301 is mainly realized by the control unit 31.

[Data storage]
The data storage unit 300 stores data necessary for the business of online securities. For example, the data storage unit stores data necessary for realizing the deposit / withdrawal service of the present embodiment. Here, as an example of this data, the account database DB5 of the net securities will be described.

FIG. 8 is a diagram showing an example of data storage in the account database DB5 of the net securities. As shown in FIG. 8, the account database DB5 is a database in which various information regarding an account opened in an online securities company is stored. For example, the account database DB 5 stores information such as a department store code that uniquely identifies a department store in online securities, a department store name, a customer code assigned to a user, a holder, and a balance.

The account database DB 5 may store information on all accounts of online securities, or may store only information on the accounts of users who use the deposit / withdrawal service. The account database DB 5 may store other information, for example, a user's deposit / withdrawal history or information indicating whether or not the deposit / withdrawal service is used.

The data stored by the data storage unit 300 is not limited to the above example. For example, the data storage unit 300 may store API data for executing deposits and withdrawals between a local bank account and an online bank account. Further, for example, the data storage unit 300 may store data for cooperation between a local bank and an online bank (for example, API data for a balance inquiry).

[Deposit / Withdrawal Control Unit]
The deposit / withdrawal control unit 301 controls deposits / withdrawals between an online bank account and an online securities account. For example, the deposit / withdrawal control unit 301 requests the net bank system 2 to withdraw money from the net bank account when the funds in the net securities account are insufficient at the time of the buy order by the user. Send. This withdrawal request shall include the branch code and account number of the online bank account to be withdrawn, the withdrawal amount, and the branch code and account number of the online securities account to be deposited.

When the deposit / withdrawal control unit 301 receives the buy order by the user, the deposit / withdrawal control unit 301 calculates the required amount in the buy order based on the contents specified by the user. The deposit / withdrawal control unit 301 refers to the account database DB 5 and determines whether or not the balance of the user who has placed a buy order is equal to or greater than the calculated required amount. If the balance is less than the required amount, it is determined that the funds were insufficient.

Further, for example, when the deposit / withdrawal control unit 301 receives a predetermined deposit request, the deposit / withdrawal control unit 301 deposits money into an account of an online bank based on the deposit request, and increases the balance of this account by an amount corresponding to the deposit amount. This deposit request shall include the account information of the net securities to be deposited, the withdrawal amount, and the account information of the account to be withdrawn. The deposit / withdrawal control unit 301 refers to the deposit request and specifies the account information of the account of the net securities to be the deposit destination. The deposit / withdrawal control unit 301 will deposit money into the account of the net securities indicated by the specified account information.

[4. Processing executed in this embodiment]
FIG. 9 is a flow chart of the process executed in the present embodiment. The process shown in FIG. 9 is executed by each of the control units 11, 21, and 31 operating according to the program stored in the storage units 12, 22, and 32. These processes are examples of processes executed by each functional block. It is assumed that the user has completed the application for the deposit / withdrawal service and the user's account has been opened at the regional bank dedicated branch of the online bank when the process of FIG. 9 is executed. Further, the user has already logged in to the net securities, and the net securities system 3 can specify which user is accessing the net securities.

As shown in FIG. 9, first, the net securities server 30 determines whether or not a buy order has been accepted from the user (S1). In S1, the user operates the user terminal 40 to log in to the net securities server 30, and then places a buy order by designating the brand to be purchased, the number of shares, the ordering method, and the like. When the net securities server 30 receives the content of the buy order specified by the user from the user terminal 40, the net securities server 30 determines that the buy order has been accepted.

When it is determined that the buy order has been accepted (S1; Y), the net securities server 30 receives funds from the net securities account based on the net securities account database DB 5 and the contents of the buy order specified by the user. It is determined whether or not there is a shortage (S2). In S2, the net securities server 30 refers to the account database DB 5 of the net securities and specifies the account balance of the user who placed the buy order. The net securities server 30 calculates an amount according to the content of the buy order specified by the user, and determines whether or not the calculated amount is equal to or more than the funds of the account.

When it is determined that the funds are insufficient (S2; Y), the net securities server 30 transmits a withdrawal request according to the shortage amount to the net bank server 20 (S3). The withdrawal target of the withdrawal request in S3 may be the account of a user of an online bank or the account of a user of a local bank. When the account of the user of the net bank is the target of withdrawal, the withdrawal request may be converted into the withdrawal request of the user's account of the local bank by the first cooperation database DB3.

Upon receiving the withdrawal request, the net bank server 20 transmits the withdrawal request according to the shortage amount to the regional bank server 10 based on the first linked database DB 3 (S4). The withdrawal target of this withdrawal request is the account of the user of the local bank. Therefore, this withdrawal request includes the branch code and account number of the user's account at the local bank. In S4, the net bank server 20 refers to the first linked database DB3 and acquires the account information of the local bank of the user who placed the buy order. The net bank server 20 calls the API of the withdrawal request of the local bank server 10 based on the acquired account information.

When the local bank server 10 receives the withdrawal request, it withdraws from the local bank account based on the account database DB 1 and transmits the deposit request to the net bank server 20 (S5). The deposit request is made by transmitting data in a predetermined format. This deposit request shall include the branch code and account number of the withdrawal local bank account, the withdrawal amount, and the branch code and account number of the net bank account to be deposited. In S5, the local bank server 10 withdraws an amount corresponding to the received withdrawal request from the account of the local bank of the user who placed the buy order, and reduces the balance of the account by the amount.

Upon receiving the deposit request, the net bank server 20 transmits the deposit request to the net securities server 30 based on the second linked database DB 4 (S6). This deposit request shall include the branch code and account number of the withdrawn online bank account, the withdrawal amount, and the department code and account number of the online securities to be deposited. Since the online bank account is fixed at 0 yen, the balance of the online bank account does not change.

Upon receiving the deposit request, the net securities server 30 deposits money into the net securities account based on the account database DB 5 (S7). In S7, the net securities server 30 increases the balance of the net securities account of the user who placed the buy order by the amount (insufficient amount) according to the received withdrawal result.

The net securities server 30 executes a buy order with the contents specified by the user based on the account balance of the net securities in which the shortage amount has been deposited in S7 (S8). When a sell order is instructed by the user, the sell order is executed and the account balance of the net securities increases.

The net securities server 30 determines whether or not a predetermined deposit / withdrawal timing has arrived (S9). In the present embodiment, the case where the deposit / withdrawal timing is a predetermined time at midnight will be described. Therefore, in S9, the net securities server 30 acquires the current date and time by using a real-time clock or the like, and determines whether or not a predetermined time has arrived. If it is not determined that the deposit / withdrawal timing has arrived (S9; N), the process returns to S1.

On the other hand, when it is determined that the deposit / withdrawal timing has come (S9; Y), the net securities server 30 withdraws from the net securities account based on the net securities account database DB 5, and withdraws from the net securities server 20 to the net bank server 20. Send a deposit request (S10). This deposit result shall include the branch code and account number of the withdrawn online securities account, the withdrawal amount, and the branch code and account number of the online bank account to be deposited. In S10, the net securities server 30 withdraws all or part of the funds of the net securities account and reduces the balance of the net securities account by that amount.

Upon receiving the deposit request, the net bank server 20 withdraws the deposit to the net bank based on the first linkage database DB3, and transmits the deposit request to the regional bank server 10 (S11). This deposit request shall include the branch code and account number of the withdrawn online bank account, the withdrawal amount, and the branch code and account number of the local bank account to be deposited. Since the online bank account is fixed at 0 yen, the balance of the account does not change in S11.

When the local bank server 10 receives the withdrawal result, the local bank server 10 deposits money into the local bank account based on the account database DB 1 (S12), and this process ends. In S12, the local bank server 10 increases the balance of the local bank account of the user who placed the buy order by the amount corresponding to the received withdrawal result.

According to the embodiment described above, it is performed via the account of the net bank based on the first cooperation information stored in the first cooperation database DB3 and the second cooperation information stored in the second cooperation database DB4. By controlling the deposit and withdrawal between the account of the local bank and the account of the net securities, the function of the deposit and withdrawal service between the net bank system 2 and the net securities system 3 can be diverted, and the function of the deposit and withdrawal service between the local bank and the net securities can be diverted. It is possible to reduce the introduction cost when linking with. In addition, among the users whose main banks are regional banks, there are some users who wish to use online securities, and it is possible to promote the use of online securities by such users.

In addition, when the net bank system 2 accepts a deposit from a local bank account to an online bank account, all or part of the deposit is made online from the net bank account based on the second linked database DB4. By depositing money into a securities account, it is possible to reduce the introduction cost when depositing money from a local bank account to an online securities account. In addition, when the online bank system 2 accepts deposits from an online securities account to an online bank account, all or part of the deposits are made from the online bank account to a regional bank based on the first linkage information. By depositing money in the account of, it is possible to reduce the introduction cost when depositing money from the account of the online securities to the account of the local bank.

Further, when the net bank system 2 receives a withdrawal request for withdrawal from the net bank account, the net bank system 2 withdraws from the local bank account to the local bank based on the first linkage database DB3. Existing deposits and withdrawals by sending a withdrawal request and making a deposit from a local bank account to an online bank account by the local bank in response to a withdrawal request to withdraw from the local bank account It is possible to divert more functions of the service and effectively reduce the introduction cost when linking local banks and online securities.

In addition, the net bank system 2 is based on the same API as the deposit / withdrawal service for depositing and withdrawing between the net bank and the net securities, and among the deposits and withdrawals between the local bank account and the net securities account, the net By controlling deposits and withdrawals between a bank account and an online securities account, it is possible to divert existing APIs and effectively reduce the introduction cost when linking regional banks and online securities. Further, the net bank system 2 is based on an API different from the API of the deposit / withdrawal service, and among the deposits / withdrawals between the local bank account and the net securities account, the local bank account and the net bank account. By controlling deposits and withdrawals between, it is possible to realize deposits and withdrawals between a local bank account and an online securities account by developing the minimum required API.

In addition, the online bank cooperates with multiple regional banks, and the same API as the API for deposit and withdrawal services is common to multiple regional banks, so that the functions related to existing input / output services can be diverted to multiple regional banks. However, it is possible to effectively reduce the introduction cost when linking multiple regional banks with online securities. In addition, APIs that are different from the APIs for deposit and withdrawal services are prepared for each regional bank, so we have introduced our own APIs for deposits and withdrawals between individual banks, and accounts for multiple regional banks and online securities accounts. Deposits and withdrawals between and can be efficiently realized.

In addition, the online banking system 2 allows a third party to open an account at a dedicated branch without permission by opening an online bank account at a dedicated branch when the local bank permits the user to open an account. It can be prevented and the security of deposit and withdrawal services can be improved.

In addition, the online bank system 2 prepares a plurality of dedicated branches for each regional bank by opening an account for the online bank at a dedicated branch of the regional bank that allows the user to open an account among the plurality of regional banks. It is possible to improve the security of deposit and withdrawal services provided by local banks.

In addition, by using an online bank account that does not increase the balance or an account whose balance is limited to a predetermined amount or less, it is possible to prevent the funds of the local bank account from unintentionally flowing into the online bank. , Security can be improved.

[5. Modification example]
The present invention is not limited to the embodiments described above. It can be changed as appropriate without departing from the spirit of the present invention.

For example, when an online bank cooperates with multiple regional banks, it presents a list of regional banks that can use the deposit / withdrawal service to users and local bank employees, and the regions that are eligible for the deposit / withdrawal service. You may streamline the start of use of the service by letting you choose a bank.

FIG. 10 is a functional block diagram of a modified example. As shown in FIG. 10, in the modified example, the display control unit 205, the reception unit 206, and the generation unit 207 are realized. In this modification, a case where each of these functions is mainly realized by the control unit 21 of the net bank server 20 will be described.

The display control unit 205 displays a list of a plurality of regional banks. In this modification, the display control unit 205 is realized by the net bank server 20, so that the display control unit 205 displays this list by transmitting data for displaying the list to a computer such as the user terminal 40. It is displayed on a computer such as a user terminal 40. The list of regional banks can be displayed in any layout and may include, for example, at least one of a button, a check box, and an input form that accepts the selection of regional banks. Information about regional banks affiliated with online banks (for example, bank names and images) is assumed to be stored in advance in the data storage unit 200.

The reception unit 206 accepts the selection of the local bank for which the local bank account has been opened from the list. In this modification, the reception unit 206 is realized by the net bank server 20, so that the reception unit 206 receives information identifying the selected local bank from a computer such as the user terminal 40, so that the reception unit 206 of the local bank Accept your choice. The reception unit 206 may accept the selection of at least one regional bank.

The generation unit 207 generates the first cooperation information and the second cooperation information when the selection is accepted. The generation unit 207 generates the first cooperation information and the second cooperation information on condition that the selection is accepted. For example, the generation unit 207 generates the first cooperation information so that the account of the local bank selected by the user and the account of the user's net bank are associated with each other. Further, for example, the generation unit 207 generates the second cooperation information so that the account of the user's net bank and the account of the user's net securities are associated with each other. The user's account information may be input on the spot or may be acquired from the account databases DB1, DB2, DB5.

According to the modification described above, when the selection of the regional bank in which the account is opened is accepted from the list of a plurality of regional banks, the first linkage information and the second linkage information are generated. , It is possible to facilitate the opening of an account in the deposit / withdrawal service.

Further, for example, in the embodiment, the case where the deposit / withdrawal between the account of the local bank and the account of the online securities is automatically executed has been described, but this deposit / withdrawal is voluntarily executed according to the instruction of the user. May be good. For example, this deposit may be executed according to the flow described in the embodiment on the condition that the deposit from the account of the local bank to the account of the online securities is instructed. Further, for example, the deposit may be executed according to the flow described in the embodiment on the condition that the deposit from the account of the net securities to the account of the local bank is instructed.

Also, for example, we explained deposits and withdrawals from financial institution accounts to online securities accounts, but you should deposit funds in media such as electronic values, points, virtual currencies, or wallets to online securities via other media. You may do it. In this case, the first financial institution and the second financial institution may be read as media such as electronic value, points, virtual currency, or wallet. An account can be read as an account that manages funds with electronic values, points, virtual currency, or a wallet.

In the embodiment, the deposit / withdrawal service between the local bank account and the online securities account has been described, but other services other than financial products can also be used from the local bank account to the online bank account. Payments for such other services may be made. For payment in this case, the process described in the embodiment may be diverted. Here, when the online bank provides a lottery purchase service such as a lottery ticket or a public competition lottery, the case where the function related to the lottery purchase service is provided to the regional bank will be described.

In the lottery purchase service, the online bank cooperates with the lottery operator. A user who has an account at an online bank can use the account of the online bank to purchase a lottery sold by the operating entity. The lottery purchase process may be realized by the existing API between the online bank and the lottery operator. For example, when the user performs a predetermined purchase operation, the purchase content of the lottery designated by the user is transmitted to the system of the operating entity by the processing of the API, and the predetermined purchasing process is executed in the system of the operating entity. In addition, the purchase price at that time is also withdrawn from the user's account by API processing and remitted to the lottery operator. When the lottery purchased by the user is won, the operating entity system requests that the winning amount be credited to the user's account. The online banking system 2 deposits the winning amount into the user's account in response to the request. The deposit of the winning amount may also be realized by API.

For example, when linking the lottery purchase service of an online bank to a regional bank, when a user whose main bank is the regional bank makes a predetermined usage application, an account is sent to a dedicated branch of the online bank according to the same procedure as in the embodiment. Is opened. Then, the first cooperation information in which the user's account of the local bank and the user's account opened in the net bank are associated with each other is generated. This point is as described in the embodiment. In this variant, it is assumed that the lottery operator, not the service of the securities company, does not open an account. Therefore, the user's account is not opened in the lottery operator.

When the user purchases a lottery from the website of the local bank, the local bank system 1 withdraws the amount according to the purchase price from the user's account of the local bank and puts it in the account of the user of the online bank. Make a deposit. Deposits and withdrawals between the local bank system 1 and the online banking system 2 may be realized by using the same API as the API described in the embodiment. The online banking system 2 executes a lottery purchase process based on the deposit to the account. The lottery purchase process is executed by the API related to the existing lottery purchase service described above. The existing lottery purchase service is the service described above, and is a service that can be used by users of online banks who do not use regional banks.

As described above, even when the lottery purchase service of the online bank is disclosed to the local bank, the user of the local bank purchases the lottery through the account of the online bank by diverting the process described in the embodiment. become able to. In this case as well, by diverting the functions related to the existing lottery purchase service, it is possible to reduce the introduction cost when linking the financial institution and the lottery operator.

If the lottery operator is in charge of opening an account, the user's account may be opened for the lottery operator as well. In this case, deposits and withdrawals between the local bank account and the lottery operator's account may be executed via the online securities account, so this may be realized by the same processing as in the embodiment. .. That is, the description of the online securities in the embodiment may be read as the operating entity of the lottery. Further, in the above modification, the case where the lottery purchase service of the online bank and the local bank are linked has been described, but any other service can also be linked by the same processing.

Further, for example, the function described as being realized by the net bank server 20 may be realized by another computer or may be shared by a plurality of computers. For example, the data storage unit 200 may be realized by a database server different from the net bank server 20.

1 Local bank system, 2 Net bank system, 3 Net securities system, N network, 10 Local bank server, 11,21,31,41 Control unit, 12,22,32,42 Storage unit, 13,23,33,43 Communication unit, 20 net bank server, 30 net securities server, 40 user terminal, 44 operation unit, 45 display unit, DB1, DB2, DB5 account database, DB3 1st linkage database, DB4 2nd linkage database, 100 data storage unit, 101 Deposit / withdrawal control unit, 200 Data storage unit, 201 Account opening unit, 202 1st acquisition unit, 203 2nd acquisition unit, 204 Deposit / withdrawal control unit, 205 Display control unit, 206 Reception unit, 207 Generation unit, 300 Data storage Department, 301 Deposit / withdrawal control unit.

Claims (10)

The balance is fixed at 0 yen for the first account of the user opened in the first financial institution and the second account of the user opened in at least the second financial institution linked with the first financial institution. The first acquisition means for acquiring the first cooperation information associated with the second account ,
A second acquisition means for acquiring the second linkage information associated with the second account and at least the third account of the user opened in a financial instrument trading company that cooperates with the second financial institution.
The first account and the third account, which are performed via the second account based on the first cooperation information and the second cooperation information without increasing the balance of the second account from 0 yen . Deposit and withdrawal control means to control deposits and withdrawals between
A deposit / withdrawal control system characterized by including. The deposit / withdrawal control means is
When the deposit from the first account to the second account is accepted, all or part of the deposit is deposited from the second account to the third account based on the second cooperation information.
When a deposit from the third account to the second account is accepted, all or part of the deposit is deposited from the second account to the first account based on the first cooperation information.
The deposit / withdrawal control system according to claim 1. The financial instruments business operator requests the second financial institution to withdraw money from the second account when the funds in the third account are insufficient at the time of the buy order by the user. Send and
When the deposit / withdrawal control means receives a withdrawal request for withdrawal from the second account, the deposit / withdrawal control means withdraws from the first account to the first financial institution based on the first cooperation information. Send a withdrawal request to make money,
Deposits from the first account to the second account are made by the first financial institution in response to a withdrawal request for withdrawal from the first account.
The deposit / withdrawal control system according to claim 2. The deposit / withdrawal service for depositing / withdrawing money between the second financial institution and the financial instruments business operator is also provided to users who have not opened an account at the first financial institution.
The deposit / withdrawal control means is
Based on the same API as the API of the deposit / withdrawal service, among the deposits / withdrawals between the first account and the third account, the deposit / withdrawal between the second account and the third account is controlled. ,
Controls deposits and withdrawals between the first account and the second account among deposits and withdrawals between the first account and the third account based on an API different from the API of the deposit and withdrawal service. do,
The deposit / withdrawal control system according to any one of claims 1 to 3. The second financial institution cooperates with a plurality of the first financial institutions.
The same API as the API of the deposit / withdrawal service is common to the plurality of first financial institutions.
An API different from the API of the deposit / withdrawal service is prepared for each of the first financial institutions.
The deposit / withdrawal control system according to claim 4. The second financial institution has a dedicated branch of the first financial institution.
The deposit / withdrawal control system further includes an account opening means for opening the second account at the dedicated branch when the user's account opening is permitted by the first financial institution.
The deposit / withdrawal control system according to any one of claims 1 to 4. The second financial institution cooperates with a plurality of the first financial institutions.
The second financial institution has the dedicated branch for each of the first financial institutions.
The account opening means opens the second account at the dedicated branch of the first financial institution that permits the user to open an account among the plurality of first financial institutions.
The deposit / withdrawal control system according to claim 6. The second financial institution cooperates with a plurality of the first financial institutions.
The deposit / withdrawal control system is
A display control means for displaying a list of the plurality of first financial institutions, and
A reception means that accepts the selection of the first financial institution in which the first account is opened from the list.
When the selection is accepted, the generation means for generating the first cooperation information and the second cooperation information, and
The deposit / withdrawal control system according to any one of claims 1 to 7 , wherein the deposit / withdrawal control system comprises. The computer
The balance is fixed at 0 yen for the first account of the user opened in the first financial institution and the second account of the user opened in at least the second financial institution linked with the first financial institution. The first acquisition step to acquire the first cooperation information associated with the second account ,
The second acquisition step of acquiring the second cooperation information associated with the second account and at least the third account of the user opened in the financial instrument business operator that cooperates with the second financial institution.
The first account and the third account, which are performed via the second account based on the first cooperation information and the second cooperation information without increasing the balance of the second account from 0 yen . Deposit and withdrawal control steps to control deposits and withdrawals between
A deposit / withdrawal control method characterized by executing. The balance is fixed at 0 yen for the first account of the user opened in the first financial institution and the second account of the user opened in at least the second financial institution linked with the first financial institution. The first acquisition means for acquiring the first cooperation information associated with the second account ,
A second acquisition means for acquiring a second linkage information associated with the second account and at least the third account of the user opened in a financial instrument trading company that cooperates with the second financial institution.
The first account and the third account, which are performed via the second account based on the first cooperation information and the second cooperation information without increasing the balance of the second account from 0 yen . Deposit / withdrawal control means, which controls deposits and withdrawals between
A program to make your computer work as.

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