JP7419874B2 - Transfer management device, exchange system, program and method - Google Patents

Description

The present invention relates to a transfer management device, a money exchange system, a program, and a method.

At financial institutions, bank transfers are processed through cooperation between branch offices and centralized centers. For example, when a client visits a branch of a financial institution, fills in the required information on a designated transfer request form, and submits the transfer request form to the counter, the transfer request form is read by the scanner at the counter's reception terminal. The transfer data obtained through the reading is sent to the centralized center. Then, a transfer message is generated at the centralized center based on the transfer data, and the transfer is executed by transmitting the transfer message to the host.

However, there are cases where funds for transfer are not secured in the client's account at the time the client submits the transfer request form. If the host has a fund management function, after receiving the remittance message, the host can check the balance of the client's account and execute the transfer if funds can be secured from the client's account. As another technique, Patent Document 1 discloses a technique for managing funds in a client's account at a branch terminal. Specifically, in Patent Document 1, a centralized center suspends the sending of a remittance message to a host, a bank employee periodically checks the balance of a client's account from a branch terminal, and checks the transfer funds in the client's account. A technique has been disclosed in which a bank employee sends an instruction to send an inbound message from a branch terminal to a centralized center as soon as confirmation of availability.

Japanese Patent Application Publication No. 2010-44672

However, since the technology described in Patent Document 1 requires much manual work, the administrative burden on the sales office increases. Note that implementing a fund management function on a host involves enormous costs and risks, so it may be difficult in reality.

The present invention has been made in view of the above-mentioned problems, and an object of the present invention is to provide a new and improved transfer management device that can reduce the operational burden on branch offices regarding transfers. , to provide exchange systems, programs and methods.

In order to solve the above problems, according to one aspect of the present invention, there is provided a storage unit that stores transfer data regarding a transfer whose processing has been put on hold in a host due to insufficient balance in a client account; a balance acquisition unit that automatically inquires the host about the balance of the client account indicated by the transfer data and obtains the inquiry result from the host, and compares the balance indicated by the inquiry result with the amount necessary for the transfer; , a confirmation unit that confirms whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer, and when it is confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer; , a transmitter that transmits an instruction to execute the transfer to the host, the transfer data includes information indicating the transfer deadline, and the transmitter is configured to transmit the inquiry result when the cut-off time of the transfer deadline has arrived and the inquiry result is A transfer management device is provided that sends a transfer stop instruction to the host to instruct the host to stop the transfer if it is not confirmed that the indicated balance is equal to or greater than the amount necessary for the transfer .

The balance acquisition unit may periodically inquire about the balance of the client account.

The transmitting unit sends a notification to the branch terminal indicating that the transfer has been stopped, if it is not confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer even after the transfer deadline has arrived. You can also send it.

Further, in order to solve the above problems, according to another aspect of the present invention, a storage unit that stores transfer data related to transfers whose processing has been put on hold at the host due to insufficient balance in the client account. a balance acquisition unit that automatically inquires the host about the balance of the client account indicated by the transfer data and obtains the inquiry result from the host; a confirmation unit that compares the balance shown by the inquiry result to confirm whether or not the balance indicated by the inquiry result is equal to or more than the amount necessary for the transfer; a transmitter that transmits an instruction to execute the transfer to the host when the transfer is due, the transfer data includes information indicating a transfer deadline, and the transmitter transmits an instruction to execute the transfer when the deadline for the transfer has arrived; A money exchange system is provided that sends a transfer stop instruction to the host to instruct the host to stop the transfer if it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer.

In order to solve the above problems, according to another aspect of the present invention, the computer is configured to store transfer data related to transfers whose processing has been put on hold at the host due to insufficient balance in the client's account. a storage unit that automatically queries the host for the balance of the client account indicated by the transfer data, and a balance acquisition unit that acquires the inquiry result from the host; a confirmation unit that compares the amount indicated by the inquiry result with the amount necessary for the transfer and confirms whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer; and a transmitter that transmits an instruction to execute the transfer to the host when the transfer is confirmed , the transfer data includes information indicating a transfer deadline, and the transmitter transmits an instruction to execute the transfer when the deadline for the transfer has arrived. and, if it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer, a program for functioning as a transfer management device that transmits a transfer stop instruction instructing the host to stop the transfer. is provided.

Further, in order to solve the above problem, according to another aspect of the present invention, transfer data regarding transfers whose processing has been put on hold at the host due to insufficient balance in the client account is stored. , automatically inquiring the balance of the client account indicated by the transfer data to the host, obtaining an inquiry result from the host, and comparing the balance indicated by the inquiry result with the amount necessary for the transfer. , confirming whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer; and when it is confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer; transmitting an instruction to execute the transfer to the host , the transfer data includes information indicating a transfer deadline, the deadline for the transfer deadline has arrived, and the balance indicated by the inquiry result is necessary for the transfer. provided is a computer-implemented method, further comprising: transmitting a transfer stop instruction instructing the host to stop the transfer if it is not confirmed that the amount is equal to or greater than the specified amount .

According to the present invention described above, it is possible to reduce the operational load at a branch regarding bank transfers.

FIG. 1 is an explanatory diagram showing the configuration of a money exchange system according to an embodiment of the present invention. 4 is an explanatory diagram showing a specific example of a transfer request form 40. FIG. 5 is an explanatory diagram showing a specific example of an entry screen 50. FIG. FIG. 7 is an explanatory diagram showing processing according to a comparative example. FIG. 2 is an explanatory diagram showing the configuration of a money exchange server 20 according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing a first example of operation of the exchange system according to an embodiment of the present invention. FIG. 7 is an explanatory diagram showing a second operation example of the exchange system according to an embodiment of the present invention. 2 is a block diagram showing the hardware configuration of a money exchange server 20. FIG.

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. Note that, in this specification and the drawings, components having substantially the same functional configurations are designated by the same reference numerals and redundant explanation will be omitted.

Further, in this specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by using different alphabets after the same reference numeral. However, if there is no particular need to distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numerals are given to each of the plurality of components.

<1. Overview of foreign exchange system＞
One embodiment of the present invention relates to a currency exchange system applied to financial institutions. First, an overview of an exchange system according to an embodiment of the present invention will be explained with reference to FIGS. 1 to 3.

(composition)
FIG. 1 is an explanatory diagram showing the configuration of a currency exchange system according to an embodiment of the present invention. As shown in FIG. 1, the exchange system according to one embodiment of the present invention has a configuration located at a branch, a configuration located at a central center, and a host 30. Sales offices and central centers are connected via a network. The configuration disposed at the sales office includes a scanner 11 and a sales office terminal 12. The configuration located at the central center includes an exchange server 20 , a common client (entry) 26 , a common client (verify) 27 , a common client (authorization) 28 and a communication gateway 29 .

The scanner 11 reads documents and recognizes characters written on the documents. For example, the scanner 11 reads a transfer request form in which necessary information is filled in by a transfer requester and performs character recognition. As a result, image data of the transfer request form and character recognition results of the transfer request form are obtained. Here, a specific example of a transfer request form will be explained with reference to FIG.

FIG. 2 is an explanatory diagram showing a specific example of the transfer request form 40. As shown in FIG. 2, the transfer request form 40 includes a column for entering matters related to the transfer destination, a column for entering the amount to be transferred, and a column for entering matters related to the client such as the client's account. Further, the transfer request form 40 may include a field in which a designated transfer date, which is the transfer deadline, is entered.

In addition, the transfer request form 40 confirms that the balance in the client's account is greater than or equal to the amount required for the transfer at the time of the transfer request, and indicates whether or not the amount necessary for the transfer is secured (restricted). Includes a column regarding security status. In a secured situation where the amount necessary for the transfer has been secured, the funds secured mark field 42 is marked by a bank employee, and in an unsecured state, where the necessary amount for the transfer has not been secured, the funds unsecured mark field 43 is marked by a bank employee. marked by

The branch terminal 12 is a terminal used by a bank employee engaged in counter operations at a branch. The branch terminal 12 transmits the transfer data including the image data of the transfer request form 40 obtained by the scanner 11 and the character recognition results of the transfer request form 40 to the centralized center. The bank employee also checks the balance in the client's account using the branch terminal 12, and if the balance in the client's account is greater than or equal to the amount required for transfer, the bank employee transfers the money to the host 30 via the branch terminal 12. Request for funding. If the transfer funds are secured, the bank employee marks the funds secured mark field 42 as described above, and if the transfer funds are not secured, the bank employee marks the funds unsecured mark field 43.

Note that the branch terminal 12 may be, for example, a PC (Personal Computer) as shown in FIG. Further, although FIG. 1 shows an example in which the scanner 11 and the branch terminal 12 are separate devices, the functions of the scanner 11 and the branch terminal 12 may be integrally realized by one device.

The money exchange server 20 is an example of a transfer management device that stores transfer data transmitted from the branch terminal 12. The exchange server 20 manages the distribution of transfer data to a common client (entry) 26, a common client (verify) 27, a common client (approval) 28, and the like.

A common client (entry) 26, a common client (verify) 27, and a common client (approval) 28 are terminals used by the central center operator. The operator of the common client (entry) 26 visually checks the image data of the transfer request form and cover letter included in the transfer data distributed to the common client (entry) 26, and selects the entry displayed on the common client (entry) 26. On the screen, perform correction operations for data that is misread or unreadable during character recognition. At this time, in a transaction in which the transfer amount is directly debited from the client's account, the client's account information (store number, account number, etc.) written in the transfer request form is also subject to the correction operation.

FIG. 3 is an explanatory diagram showing a specific example of the entry screen 50. As shown in FIG. 3, the entry screen 50 includes an item image display field (for example, client telephone number image display field 500, etc.) and an item input field (for example, request personal telephone number input field 520, etc.). Further, as shown in FIG. 3, the plurality of items include, for example, the client's telephone number, account number, account number, client's name, recipient's name, transfer destination financial institution name, branch name, and amount. Note that the character recognition result of the corresponding item received from the exchange server 20 may be automatically input into the item input field. Further, in the item input field, the operator can edit the input contents.

Entry data, which is transfer data after an entry is made by the common client (entry) 26, is delivered to the common client (verify) 27 directly or via the exchange server 20. The operator of the common client (verify) 27 checks the entry data and re-enters important items based on the entry data displayed on the common client (verify) 27.

When the entry/verification results do not match or in the case of a high-value transaction, the entry data is delivered to the common client (approval) 28, and the operator of the common client (approval) 28 performs the approval operation. Then, after the verify operation or the approval operation is completed, a destination message is sent to the host 30 via the communication gateway 29. Further, the host 30 executes the transfer based on the receipt of the destination message, thereby completing one transfer.

(background)
A transfer whose funds securing status is secured is completed by the above-described series of processes. However, there may be cases where the funds are not secured, and in this case, the transfer may be performed using a process different from the series of processes described above. Therefore, before explaining the process according to an embodiment of the present invention, a process according to a comparative example of a transfer in which the fund securing status is an unsecured status will be described.

FIG. 4 is an explanatory diagram showing processing according to a comparative example. As shown in Figure 4, when a client requests a transfer with insufficient funds in the client's account and a transfer request form is read at the branch, the branch terminal receives the transfer data. It is transmitted to the centralized center (S904). Then, the centralized center performs entry, verification, etc., and transmits the destination message to the host (S908). However, since there is insufficient funds to transfer in the client's account, the transfer based on the forwarding message is put on hold (S912).

Thereafter, the bank employee at the branch manually checks the balance of the client's account on a regular basis. For example, a bank employee performs a balance inquiry operation on a branch terminal (S916), the branch terminal queries the balance to a host (S920), the host sends the inquiry result (S924), and the bank staff confirms the inquiry result ( S928). Here, the balance of the client's account has not been changed, and funds for transfer are not secured. After the client deposits cash into the client's account, the bank employee checks the balance in the client's account (S932-S944), and if it is confirmed that the balance in the client's account is greater than or equal to the amount required for transfer. In other words, when it is confirmed that the transfer funds are secured (S948), the bank employee performs a transfer instruction operation on the branch terminal (S952), the branch terminal transmits the transfer instruction to the centralized center (S956), and the centralized center By transmitting a transfer instruction to the host (S960), the host executes the transfer (S964).

However, in the process according to the comparative example described above, balance inquiries are periodically performed from the branch terminal based on the bank staff's operations, and if it is confirmed that funds for transfer are secured, a transfer instruction is sent based on the bank staff's operations. As a result, there is a heavy administrative burden on branch offices. In addition, manual confirmation and judgment could lead to clerical errors, and the clerical accuracy was not sufficient. Furthermore, if the funds to be transferred are not secured even when the transfer deadline approaches, the client is required to contact the client and request the client to deposit the funds into the client's account.

Therefore, the inventor of the present invention has created a money exchange system according to an embodiment of the present invention by focusing on the above-mentioned circumstances. A money exchange system according to an embodiment of the present invention can reduce the operational load at a branch regarding money transfers. Hereinafter, the configuration and operation of the exchange system according to an embodiment of the present invention will be described in detail.

<2. Exchange server configuration>
FIG. 5 is an explanatory diagram showing the configuration of the exchange server 20 according to an embodiment of the present invention. As shown in FIG. 5, the money exchange server 20 includes a communication section 240, a storage section 250, and a control section 260.

The communication unit 240 communicates various data with other terminals. For example, the communication unit 240 receives transfer data from the branch terminal 12 and distributes the transfer data to the common client (entry) 26. Furthermore, the communication unit 240 according to an embodiment of the present invention also has a function as a transmitting unit that transmits a destination message, a transfer execution instruction, and the like to the host 30 via the communication gateway 29.

The storage unit 250 stores data used for operations in the money exchange server 20. For example, the storage unit 250 stores transfer data received from the branch terminal 12. In particular, the storage unit 250 according to an embodiment of the present invention stores transfer data regarding transfers whose processing has been put on hold due to insufficient funds in the client's account.

The control unit 260 controls the overall operation of the exchange server 20. In particular, the exchange server 20 according to an embodiment of the present invention has the functions of a balance acquisition section 262, a funds securing confirmation section 264, and an instruction control section 266, as shown in FIG.

The balance acquisition unit 262 controls the account balance inquiry to the host 30. For example, the balance acquisition unit 262 refers to the transfer data of the transfer whose processing is on hold, automatically inquires the host 30 about the balance of the client account indicated by the transfer data, and sends the communication unit 240 from the host 30. Get query results via. The balance acquisition unit 262 periodically performs such balance inquiries.

The funds securing confirmation unit 264 compares the balance indicated by the inquiry result obtained by the balance acquisition unit 262 with the amount necessary for the above-mentioned transfer whose processing is pending, and determines whether the balance indicated by the inquiry result is the amount necessary for the transfer. Check whether the amount is greater than the amount. The amount required for transfer may include a transfer fee in addition to the transfer amount. If the balance indicated by the inquiry result is greater than or equal to the amount required for transfer, the funds securing confirmation unit 264 requests the host 30 to secure (restrict) the amount necessary for transfer via the communication unit 240.

The instruction control unit 266 controls the transmission of various instructions to the host 30. For example, the instruction control unit 266 instructs the communication unit 240 to execute the transfer to the host 30 (instruction to release the hold) when the transfer funds are secured by the fund securing confirmation unit 264 regarding the above-mentioned transfer whose processing is on hold. to be sent.

<3. Operation＞
The configuration of the exchange server 20 according to an embodiment of the present invention has been described above. Next, some operational examples of the exchange system including the exchange server 20 will be summarized with reference to FIGS. 6 and 7.

(First operation example)
FIG. 6 is an explanatory diagram showing a first example of operation of the exchange system according to an embodiment of the present invention. When a client visits a branch, fills in the required information on a designated transfer request form, and submits the transfer request form to the counter, a bank employee uses the scanner 11 to make the transfer, as shown in FIG. After reading the request form, the branch terminal 12 transmits the transfer data to the money exchange server 20 (S304). Here, the status of securing funds for the transfer is assumed to be an unsecured status where the balance in the client's account is less than the amount required for the transfer and the funds for transfer are not secured.

When the money exchange server 20 receives the transfer data, entry and verification are performed at the centralized center, and then the money exchange server 20 transmits a remittance message to the host 30 (S308). The host 30 suspends the transfer based on the destination message (S312). The money exchange server 20 stores the transfer data of the pending transfer in the storage unit 250 (S316).

Thereafter, the balance acquisition unit 262 of the exchange server 20 refers to the transfer data of the suspended transfer, and periodically and automatically inquires the host 30 about the balance of the client account indicated by the transfer data (S320). The inquiry result is obtained from the host 30 (S324).

Then, when the client deposits the transfer funds into the client's account (S328), it is confirmed that the balance indicated by the inquiry result of the balance inquiry subsequently performed by the balance acquisition unit 262 is greater than or equal to the amount required for transfer. (S332, S336, S340). Then, the balance acquisition unit 262 requests the host 30 to secure the amount necessary for the transfer via the communication unit 240 (S342), and the host 30 secures funds in the client's account (S344).

Subsequently, the instruction control unit 266 of the exchange server 20 causes the communication unit 240 to transmit a transfer execution instruction (hold release instruction) to the host 30 (S346). The host 30 executes the pending transfer based on the execution instruction (S350).

According to such a first operation example, the exchange server 20 automatically confirms that the funds to be transferred are secured and sends the transfer instructions, so it is possible to significantly reduce the operational load at the branch. . Furthermore, since the amount of manual work is reduced, the occurrence of clerical errors is also reduced, making it possible to improve the reliability of clerical work.

(Second operation example)
The second operation example is the operation when the funds to be transferred are not secured in the client's account even after the cut-off time on the transfer date has arrived regarding a transfer based on a transfer request form that includes a transfer date (designated transfer date). . Note that the closing time may be the end time of the time slot in which the Zengin network can be used. The second operation example will be specifically described below with reference to FIG.

FIG. 7 is an explanatory diagram showing a second operation example of the exchange system according to an embodiment of the present invention. When a client visits a branch, fills in the required information on a designated transfer request form, and submits the transfer request form to the counter, a bank employee uses the scanner 11 to make the transfer, as shown in FIG. After reading the request form, the branch terminal 12 transmits the transfer data to the money exchange server 20 (S404). Here, the status of securing funds for the transfer is assumed to be an unsecured status where the balance in the client's account is less than the amount required for the transfer and the funds for transfer are not secured.

When the exchange server 20 receives the transfer data, entry and verification are performed at the centralized center, and then the exchange server 20 transmits a remittance message to the host 30 (S408). The host 30 suspends the transfer based on the destination message (S412). The money exchange server 20 stores the transfer data of the pending transfer in the storage unit 250 (S416).

Thereafter, the balance acquisition unit 262 of the exchange server 20 refers to the transfer data of the suspended transfer, automatically inquires the host 30 about the balance of the client account indicated by the transfer data, and receives the inquiry results from the host 30. This process is repeated periodically (S420 to S436).

Then, if the balance indicated by the inquiry result is not confirmed to be equal to or greater than the amount required for the transfer even after the cut-off time on the transfer deadline has arrived, and the transfer funds are not secured, the instruction control unit 266 sends the communication unit 240 to the host. 30 to transmit a transfer stop instruction to stop the transfer (S440). The host 30 stops the pending transfer based on the transfer stop instruction (S448).

Further, the control unit 260 of the exchange server 20 causes the communication unit 240 to transmit a transfer stop notification form to the branch as a notification indicating that the transfer has been stopped due to the transfer funds not being secured (S452). At the branch, the bank staff learns that the transfer has been stopped by displaying the transfer suspension notification form on the branch terminal 12 or outputting the transfer suspension notification form from the branch printer. Therefore, it becomes possible for the bank employee to notify the client that the transfer has been stopped due to failure to secure the funds for transfer, resulting in excellent operability.

<4. Hardware configuration>
An embodiment of the present invention has been described above. The information processing such as controlling the balance inquiry and confirming the securing of funds as described above is realized by cooperation between software and the hardware of the exchange server 20 described below.

FIG. 8 is a block diagram showing the hardware configuration of the exchange server 20. The exchange server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, and a host bus 204. The exchange server 20 also includes a bridge 205, an external bus 206, an interface 207, an input device 208, a display device 209, an audio output device 210, a storage device (HDD) 211, a drive 212, and a network interface. 215.

The CPU 201 functions as an arithmetic processing device and a control device, and controls overall operations within the money exchange server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs used by the CPU 201, calculation parameters, and the like. The RAM 203 temporarily stores programs used in the execution of the CPU 201 and parameters that change as appropriate during the execution. These are interconnected by a host bus 204 composed of a CPU bus and the like. Through cooperation between the CPU 201, ROM 202, and RAM 203 and software, functions such as the balance acquisition section 262, funds securing confirmation section 264, and instruction control section 266 described above can be realized.

The host bus 204 is connected via a bridge 205 to an external bus 206 such as a PCI (Peripheral Component Interconnect/Interface) bus. Note that the host bus 204, bridge 205, and external bus 206 do not necessarily need to be configured separately, and these functions may be implemented in one bus.

The input device 208 includes input means for the user to input information, such as a mouse, keyboard, touch panel, button, microphone, sensor, switch, and lever, and an input device that generates an input signal based on the user's input and outputs it to the CPU 201. It consists of control circuits, etc. By operating the input device 208, the user of the exchange server 20 can input various data to the exchange server 20 and instruct processing operations.

The display device 209 includes display devices such as a liquid crystal display (LCD) device, a projector device, an OLED (Organic Light Emitting Diode) device, and a lamp. Furthermore, the audio output device 210 includes an audio output device such as a speaker and headphones.

The storage device 211 is a data storage device configured as an example of a storage unit of the money exchange server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 211 is configured with, for example, an HDD (Hard Disk Drive), an SSD (Solid Storage Drive), or a memory having an equivalent function. This storage device 211 drives storage and stores programs executed by the CPU 201 and various data.

The drive 212 is a reader/writer for storage media, and is either built into the exchange server 20 or attached externally. The drive 212 reads information recorded on an attached removable storage medium 24 such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 203 or the storage device 211 . Drive 212 can also write information to removable storage medium 24 .

The network interface 215 is, for example, a communication interface configured with a communication device for connecting to a network. Further, the network interface 215 may be a wireless LAN (Local Area Network) compatible communication device or a wire communication device that performs wired communication.

<5. Conclusion＞
As explained above, according to an embodiment of the present invention, even if the host 30 does not have a fund management function, the exchange server 20 automatically confirms that the transfer funds are secured and sends a transfer instruction, so that the It is possible to significantly reduce the operational load at the store. Furthermore, since the amount of manual work is reduced, the occurrence of clerical errors is also reduced, making it possible to improve the reliability of clerical work. Furthermore, if transfer funds are not secured even when the transfer deadline approaches, the exchange server 20 automatically sends a transfer stop instruction to the host 30 and a transfer stop notification form to the branch terminal 12. , excellent operability.

Although preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person with ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea stated in the claims. It is understood that these also naturally fall within the technical scope of the present invention.

For example, in the above description, an example was explained in which a transfer message for a transfer for which transfer funds are not secured is sent to the host 30 and the processing is suspended at the host 30. However, the exchange server 20 sends the transfer message to the host 30. Instead, the exchange server 20 may suspend the transmission of the forwarding message regarding the transfer. Then, the exchange server 20 may transmit a transfer message to the host 30 when funds for transfer are secured, and the host 30 may execute the transfer based on the transfer message.

Further, the period during which the balance inquiry by the balance acquisition unit 262 described above is periodically performed is not particularly limited. For example, the balance acquisition unit 262 may not perform the balance inquiry on the day before the transfer date, but may perform the balance inquiry on the transfer date. Further, the balance acquisition unit 262 may perform balance inquiries at different intervals depending on the period. For example, the balance acquisition unit 262 performs balance inquiries in short cycles (for example, every 10 minutes) on the transfer deadline, and performs balance inquiries in long cycles (for example, every 2 hours) on the day before the transfer deadline. Good too. With this configuration, it is possible to suppress the number of balance inquiries and reduce the load on the system.

In addition, although an example in which the embodiment of the present invention is applied to a foreign exchange system for financial institutions has been described above, the embodiment of the present invention can also be applied to other systems in general that perform processing based on account information held by a host. Applicable.

Further, each step in the processing of the exchange system of this specification does not necessarily need to be processed chronologically in the order described as a flowchart. For example, each step in the processing of the exchange system may be processed in a different order from the order described in the flowchart, or may be processed in parallel.

In addition, a computer that allows hardware such as a CPU, ROM, and RAM built in the branch terminal 12 and the money exchange server 20 to perform functions equivalent to those of the above-mentioned configurations of the branch terminal 12 and the money exchange server 20, etc. Programs can also be created. A storage medium storing the computer program is also provided.

11 Scanner 12 Branch terminal 20 Money exchange server 240 Communication unit 250 Storage unit 260 Control unit 262 Balance acquisition unit 264 Funds securing confirmation unit 266 Instruction control unit 26 Common client (entry)
27 Common client (verify)
28 Common client (approval)
29 Communication gateway 30 Host

Claims (6)

a storage unit that stores transfer data regarding transfers whose processing has been put on hold at the host due to insufficient balance in the client account;
a balance acquisition unit that automatically queries the host for the balance of the client account indicated by the transfer data and acquires the query result from the host ;
a confirmation unit that compares the balance indicated by the inquiry result with the amount necessary for the transfer and confirms whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
a transmitter that transmits an instruction to execute the transfer to the host when it is confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
Equipped with
The transfer data includes information indicating the transfer date,
When the deadline for the transfer date has arrived and it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer, the transmitting unit sends a transfer stop instruction to the host to stop the transfer. Transfer management device to send . 2. The transfer management device according to claim 1 , wherein the balance acquisition unit periodically inquires about the balance of the client account. If it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer before the cut-off time on the transfer deadline arrives, the transmitter sends a message to the branch terminal indicating that the transfer has been stopped. The transfer management device according to claim 1, wherein the transfer management device transmits a notification indicating the transfer amount . a storage unit that stores transfer data related to transfers whose processing has been put on hold at the host due to insufficient balance in the client account;
a balance acquisition unit that automatically queries the host for the balance of the client account indicated by the transfer data and acquires the query result from the host ;
a confirmation unit that compares the balance indicated by the inquiry result with the amount necessary for the transfer and confirms whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
a transmitter that transmits an instruction to execute the transfer to the host when it is confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
Equipped with
The transfer data includes information indicating the transfer date,
When the cut-off time of the transfer deadline has arrived and it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer, the transmitter sends a transfer stop instruction to the host to stop the transfer. Send, exchange system. computer,
a storage unit that stores transfer data regarding transfers whose processing has been put on hold at the host due to insufficient balance in the client account;
a balance acquisition unit that automatically queries the host for the balance of the client account indicated by the transfer data and acquires the query result from the host ;
a confirmation unit that compares the balance indicated by the inquiry result with the amount necessary for the transfer and confirms whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
a transmitter that transmits an instruction to execute the transfer to the host when it is confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
Equipped with
The transfer data includes information indicating the transfer date,
When the deadline for the transfer date has arrived and it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer, the transmitting unit sends a transfer stop instruction to the host to stop the transfer. A program to function as a transfer management device for sending . storing transfer data related to transfers whose processing was put on hold at the host due to insufficient funds in the client account;
automatically inquiring the host about the balance of the client account indicated by the transfer data, and obtaining an inquiry result from the host;
Comparing the balance indicated by the inquiry result with the amount necessary for the transfer, and confirming whether the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
Sending an instruction to execute the transfer to the host when it is confirmed that the balance indicated by the inquiry result is greater than or equal to the amount necessary for the transfer;
including;
The transfer data includes information indicating the transfer date,
If the deadline for the transfer date has arrived and it is not confirmed that the balance indicated by the inquiry result is equal to or greater than the amount necessary for the transfer, a transfer stop instruction is sent to the host to instruct the host to stop the transfer. Furthermore, the method by which the computer performs .

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