JPH06223094A - Reserved fund transfer transaction processing system - Google Patents

Abstract

PURPOSE:To realize the reserved fund transfer transaction processing which executes by reserving fund transfer transactions of the next day thereafter to execute them in the fund transfer transaction processing system. CONSTITUTION:When the designated transfer day of fund transfer transaction information transmitted from an external terminal 2 is the day, a fund transfer processing part 11 subtracts the amount of money of transfer from the actual balance of account and the temporary balance of account of an account in a transfer source account file 13 and adds the amount of money to the balance of an account in a transfer destination account file 15; but if the designated transfer day of the fund transfer transaction information is the next day thereafter, the part 11 subtracts the amount of money of transfer from the temporary balance of the account in the transfer source account file 13 and stores fund transfer reservation information in a reservation file 14. A reservation execution processing part 12 extracts fund transfer reservation information, where the transfer designated day is the day, from the reservation file 14 and subtracts the amount of money of transfer from the actual balance of the account in the transfer source account file 13 and adds the amount to the balance of account of the account in the transfer destination account file 15.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fund transfer transaction processing system, and more particularly to a reservation type fund transfer transaction processing system.

[0002]

2. Description of the Related Art Conventionally, this type of fund transfer transaction processing method is an immediate type fund transfer transaction processing method in which funds are transferred at the time of request, and a temporary use within a requested day used in a supermarket or the like. It was limited to the reservation type fund transfer transaction processing method (for example, refer to Japanese Patent Laid-Open No. 1-60866).

FIG. 8 is a block diagram showing the structure of a conventional immediate fund transfer transaction processing system. In this instant fund transfer transaction processing system, a center computer 8 of a financial institution is sent from an external terminal 82 such as a multi-function telephone through a modem 86, a public telephone line 85, a modem 84 and a communication control device 83.
1, the fund transfer transaction information such as the account number (transfer source), personal identification number, transfer amount, transfer destination account number, etc. is transmitted.
Immediate fund transfer transaction processing unit 8 in the center computer 81
In step 7, the validity of the received money transfer transaction information is scrutinized,
If there is an error in the fund transfer transaction information, an error message to that effect is returned to the external terminal 82. The external terminal 82 displays an error message on the display screen and ends the process. If there is no error in the fund transfer transaction information, the immediate fund transfer transaction processing unit 87 subtracts the transfer amount from the balance of the account of the transfer source account number of the transfer source account file 88 and transfers the transfer destination account of the transfer destination account file 89. The transfer amount is added to the balance of the numbered account to execute the transfer of funds, and the result is returned to the external terminal 82. The external terminal 82 displays the transfer result of the funds on the display screen, and ends the immediate fund transfer transaction process.

FIG. 9 is a block diagram showing the structure of a temporary reservation type fund transfer transaction processing method within the requested day. This temporary reservation type fund transfer transaction processing method is mainly used when a user of a supermarket or the like uses a cash card issued by a financial institution to make a purchase, and pays the usage fee by POS (Point Of Sale).
s) This is a fund transfer transaction processing method performed using an external terminal 92 such as a terminal, and has a temporary reservation function in the process of payment processing.

First, the cash card user inputs the user's personal identification number into the external terminal 92, and then the store side inputs the usage fee and the like, whereby the external terminal 92 causes the modem 9 to operate.
6, via the public telephone line 95, the modem 94 and the communication control device 93 to the center computer 91 of the financial institution holding the user's account, the account number (source), personal identification number, usage fee, destination account number, etc. The usage fee payment information is transmitted. The first usage fee payment processing unit 97 in the center computer 91 scrutinizes the validity of the received usage fee payment information, and if there is an error in the usage fee payment information, returns an error message to that effect to the external terminal 92. . External terminal 9
2 displays an error message on the display screen and ends the process. If the payment information is correct,
The usage fee is subtracted from the balance of the account of the transfer source account file 99 (transfer source), information such as usage fee, usage date, transfer destination account number, etc. is added and stored in the reservation file 100, and the result is stored externally. Reply to the terminal 92. External terminal 92
Outputs received information such as usage fee, usage date, destination account number, etc. to a receipt or the like, and ends the process.

[0006] The store side transfers the usage fee stored in the reservation file 100 to the account (transfer destination account) of the store side at an arbitrary time on the day, and transfers the transfer destination account number, personal identification number, and the like to the external terminal 92. The usage fee and other usage fee settlement information is input again and transmitted to the center computer 91 of the financial institution.
Second usage price settlement processing unit 9 in the center computer 91
Reference numeral 8 scrutinizes the validity of the usage fee settlement information, and if there is no error, adds the usage fee addressed to the store in the reservation file 100 to the balance of the account of the destination account number in the destination account file 101, and reserves the file. Cleared 100, external terminal 9
The movement result is transmitted to 2 and the processing is ended.

[0007]

In the above-described conventional immediate fund transfer transaction processing method, since the immediate fund transfer transaction executed at the time of requesting the fund transfer is premised, the fund transfer transaction on and after the next day is performed. There was a problem that it could not be reserved and executed.

Further, even in the temporary reservation type fund transfer transaction processing method, since the settlement process of the temporarily reserved use price is performed on the same day, it is possible to reserve and execute the fund transfer transaction on and after the next day. There was a problem that it could not be done.

In view of the above points, an object of the present invention is to send money transfer transaction information by designating a designated transfer date from an external terminal, and at the same time, store the actual balance and the temporary balance in the account of the transfer source account file of the center computer. A reservation type fund transfer transaction process that reserves and executes a fund transfer transaction for the next day or later by managing the balance of reserved transactions by providing a reservation file that stores and stores fund transfer reservation information The purpose of the present invention is to provide a cash transfer transaction processing method.

[0010]

According to the reservation type fund transfer transaction processing method of the present invention, an external terminal is connected to a center computer of a financial institution through a public telephone line. An external terminal for transmitting fund transfer transaction information including a personal identification number, a transfer amount, a transfer destination account number and a specified transfer date to the center computer, and a reservation file in which the fund transfer reservation information is stored,
If the designated transfer date of the fund transfer transaction information transmitted from the external terminal is the same day, the transfer amount is subtracted from the actual balance and provisional balance of the account of the transfer source account number in the transfer source account file, and the transfer destination account file The transfer amount is added to the account balance of the transfer destination account number, and if the transfer specified date of the fund transfer transaction information is the next day or later, the transfer amount is subtracted from the temporary balance of the transfer source account number in the transfer source account file. A fund transfer processing unit that stores fund transfer reservation information including a transfer source account number, transfer amount, transfer destination account number and transfer specified date in the reservation file, and fund transfer reservation information for which the transfer specified date is the same day from the reservation file. And the transfer amount is subtracted from the actual balance of the transfer source account number account in the transfer source account file, and the transfer amount is added to the balance of the transfer destination account number account in the transfer destination account file. Characterized in that it comprises a reservation execution processing unit.

[0011]

The present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of a reservation type fund transfer transaction processing system according to an embodiment of the present invention. The reservation type fund transfer transaction processing method of this embodiment is mainly composed of a center computer 1, an external terminal 2 such as a multi-function telephone, a communication control device 3, modems 4 and 6, and a public telephone line 5. Parts are made up.

The center computer 1 includes a fund transfer processing unit 11, a reservation execution processing unit 12, and a transfer source account file 1.
3, a reservation file 14, and a transfer destination account file 15 are included. The transfer source account file 13 stores account information such as an account number, a personal identification number, an actual balance and a temporary balance. Further, the transfer destination account file 15 stores account information such as an account number, a personal identification number, a balance (necessarily not necessarily divided into an actual balance and a temporary balance). For simplicity of explanation, the transfer source account file 13 and the transfer destination account file 15 are illustrated as existing in the center computer 1 of the same financial institution, but the transfer destination account file 15 may be stored in another financial institution. It does not matter if it exists on the center computer side of.

FIG. 2 is a perspective view showing an example of the external appearance of the external terminal 2. This external terminal 2 has a display screen 21
And a printer 22 for printing and an operation panel 23.

FIG. 3 shows the display screen 2 of the external terminal 2.
It is a figure which shows an example of the fund transfer transaction information input screen at the time of execution of the fund transfer transaction process displayed in 1. On this fund transfer transaction information input screen, the account number, personal identification number, transfer amount, transfer destination account number and specified transfer date can be input.

FIG. 4 is a diagram showing a telegram format of the fund transfer transaction information transmitted from the external terminal 2 to the center computer 1. The fund transfer transaction information is composed of an account number (transfer source), a personal identification number, a transfer amount, a transfer destination account number, a specified transfer date, and the like.

Referring to FIG. 5, the reservation file 14 stores fund transfer reservation information for each designated transfer date. The reservation file 14 may store the fund transfer reservation information in the order of writing,
It is preferable that the fund transfer reservation information is sorted or chained for each designated transfer day because the processing of the reservation execution processing unit 12 becomes simpler.

Referring to FIG. 6, the processing of the money transfer processing unit 11 is performed by a transfer designated date determination step S11, a temporary balance check step S12, an actual balance subtraction step S13, a temporary balance subtraction step S14, and a transfer destination account. Addition step S1
5, processing result reply step S16, temporary balance check step S17, actual balance non-processing step S18, temporary balance subtraction step S19, reservation file storage step S2
0, a processing result reply step S21, an actual balance subtraction step S22, a temporary balance non-processing step S23, and a transfer destination account addition step S24. Note that step S
18 and S23 may actually be omitted.

Referring to FIG. 7, the processing of the reservation execution processing unit 12 includes a reservation file reading step S31, a current day execution amount presence / absence determination step S32, and a fund transfer reservation information transfer step S33.

Next, the operation of the reservation type fund transfer transaction processing system of the present embodiment thus constructed will be described.

When the user conducts a fund transfer transaction, first, the operation panel 23 of the external terminal 2 is operated to display the fund transfer transaction information input screen shown in FIG. 3 on the display screen 21. Next, the user operates the operation panel 23 to input the account number (transfer source), personal identification number, transfer amount, transfer destination account number and specified transfer date on the fund transfer transaction information input screen. Then, the user operates the operation panel 23 to instruct to transmit the fund transfer transaction information to the financial institution. Then, the external terminal 2 sends an account number (source) to the center computer 1 of the financial institution via the modem 6, the public telephone line 5, the modem 4 and the communication control device 3.
Send the personal identification number, transfer amount, transfer destination account number, transfer date and other fund transfer transaction information.

In the center computer 1 of the financial institution, the fund transfer processing section 11 first determines the transfer specified date of the fund transfer transaction information (step S11), and when the transfer specified date is the immediate fund transfer transaction processing of the day. Is compared with the transfer amount of the account of the account number (transfer source) of the transfer source account file 13 (step S12). If the provisional balance is equal to or larger than the transfer amount, the transfer source account file 13 The transfer amount is subtracted from each of the actual balance and the temporary balance of the account of the account number (transfer source) (steps S13 and S14), and the balance of the account of the transfer destination account number in the transfer destination account file 15 (or the actual balance and the temporary balance). The transfer amount is added to (step S15), and the transfer source account number for the external terminal 2,
The funds transfer result information such as the transfer destination account number, transfer amount and date is returned (step S16). The external terminal 2 outputs the received fund transfer result information to the display screen 21 and the printer 22 for printing, and ends the immediate fund transfer transaction process.

Further, in step S11, in the case of the reservation-type fund transfer transaction process for which the specified transfer date is the next day or later, the fund transfer processing unit 11 temporarily stores the account of the account number (transfer source) in the transfer source account file 13. The balance is compared with the transfer amount (step S17). If the provisional balance is equal to or larger than the transfer amount, the actual balance of the account of the account number (transfer source) of the transfer source account file 13 is left unchanged (step S18), The transfer amount is subtracted from the temporary balance of the account of the transfer source account file 13 (transfer source) (step S19), and the transfer transfer information such as the designated transfer date, transfer source account number, transfer amount, transfer destination account number, etc. is obtained. Write to the reservation file 14 (step S2
0), and returns the fund transfer reservation information to the external terminal 2 (step S21). The external terminal 2 outputs the fund transfer reservation information to the display screen 21 and the printer 22 for printing, thereby ending the reservation-type fund transfer transaction process.

In steps S12 and S17, when the temporary balance of the account of the account number (transfer source) of the transfer source account file 13 is less than the transfer amount, the fund transfer processing unit 11 indicates that the balance is insufficient. The error message is returned to the external terminal 2 (step S25). The external terminal 2 displays the received error message on the display screen 21 and ends the process.

On the other hand, the reservation execution processing unit 12 is activated by nighttime batch processing or the like, reads the fund transfer reservation information from the reservation file 14 (step S31), and extracts the fund transfer reservation information of the current designated day. (Step S3
2), the fund transfer processing unit 11 stores the extracted fund transfer reservation information.
(Step S33). Reservation execution processing unit 12
Repeats this until the reservation file 14 has no money transfer reservation information for the current day, and ends the processing.

The fund transfer processing unit 11 subtracts the transfer amount from the actual balance of the account of the account number (transfer source) in the transfer source account file 13 based on the transferred transfer transfer reservation information (step S22), and transfers the transfer source account. The temporary balance of the account with the account number (transfer source) in the file 13 remains unchanged (step S
23) Then, the transfer amount is added to the balance (or the actual balance and the temporary balance) of the transfer destination account number in the transfer destination account file 15 (step S24), and the reserved fund transfer execution process is ended.

[0027]

As described above, according to the present invention, the account information of the transfer source account file is provided with a distinction between an actual balance and a temporary balance, and a transfer designated date is designated from an external terminal to transmit fund transfer transaction information. At the same time, the immediate fund transfer transaction process and the reserved fund transfer transaction process are distributed according to the designated transfer date, and in the case of the reserved fund transfer transaction process, the transfer amount is subtracted from only the temporary balance of the transfer source account file. The fund transfer reservation information is stored in the reservation file by using the temporary transfer to manage the balance for the reservation by executing the transfer of funds based on the fund transfer reservation information in the reservation file on the specified transfer date. As a result, it is possible to prevent the occurrence of a situation in which the balance is insufficient on the designated transfer date, and it is possible to realize the reservation type fund transfer transaction process.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a reservation type fund transfer transaction processing method according to an embodiment of the present invention.

FIG. 2 is a perspective view showing an example of an external appearance of an external terminal in FIG.

3 is a diagram showing an example of a fund transfer transaction information input screen displayed on the display screen of the external terminal in FIG. 1 when executing a fund transfer transaction process.

FIG. 4 is a diagram showing a telegram format of fund transfer transaction information transmitted from the external terminal in FIG. 1 to a center computer.

5 is a diagram showing a layout of a reservation file in FIG.

FIG. 6 is a flowchart showing a process of a fund transfer processing unit in FIG.

FIG. 7 is a flowchart showing a process of a reservation execution processing unit in FIG.

FIG. 8 is a block diagram showing a configuration of a conventional immediate fund transfer transaction processing system.

FIG. 9 is a block diagram showing a configuration of a conventional temporary reservation-type fund transfer transaction processing method within the requested day.

[Explanation of symbols]

 1 center computer 2 external terminal 3 communication control device 4, 6 modem 5 public telephone line 11 fund transfer processing unit 12 reservation execution processing unit 13 transfer source account file 14 reservation file 15 transfer destination account file 21 display screen 22 printer for printing 23 operation panel

Claims (3)

[Claims] 1. In a fund transfer transaction processing method in which an external terminal is connected to a center computer of a financial institution through a public telephone line, a transfer source account number, a personal identification number, a transfer amount, a transfer destination account number and a transfer designated date are set. The external terminal for transmitting the fund transfer transaction information including the reservation file in which the fund transfer reservation information is stored, and the transfer specified date of the fund transfer transaction information transmitted from the external terminal is the same day Is the transfer balance of the transfer source account number in the transfer source account file, subtracts the transfer amount from the actual balance and the temporary balance of the transfer source account number, and adds the transfer amount to the balance of the transfer destination account number in the transfer destination account file. If the designated date is the next day or later, the transfer amount is subtracted from the temporary balance of the transfer source account number in the transfer source account file, and the transfer source account number, transfer amount, transfer A fund transfer processing unit that stores fund transfer reservation information including a destination account number and a transfer specified date in the reservation file; and a transfer of the transfer source account file by extracting fund transfer reservation information on the current specified day from the reservation file. Reservation type fund transfer, comprising a reservation execution processing unit that subtracts the transfer amount from the actual balance of the account of the original account number and adds the transfer amount to the balance of the account of the transfer destination account number of the transfer destination account file. Transaction processing method. 2. The reservation execution processing unit subtracts the transfer amount from the actual balance of the transfer source account number account of the transfer source account file, and transfers the transfer amount to the balance of the transfer destination account number account of the transfer destination account file. 2. The reservation type fund transfer transaction processing method according to claim 1, wherein the fund transfer processing unit is requested to perform a process of adding. 3. The reservation type fund transfer transaction processing method according to claim 1, wherein the reservation file stores the fund transfer reservation information sorted in the order of specified transfer dates.