JPH09147038A - Method and system for remitting money by electronic apparatus - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily manage the amount of current deposit on the fund borrower side. SOLUTION: A host computer 1 of a banking organ being under contract with a user is connected to an FB terminal machine 3 through a telephone line 2. This computer 1 is connected to a computer 2 of another banking organ being under contract with the third person through a leased line 2a, and an FB terminal machine 3a is connected to it through the telephone line 2. A storage device 10 is connected to a CPU 9 of the computer 1, and the storage device 10 includes a deposit data storage area 11, payment data 12, reception data 13, and overdraft data 14. First and second current accounts of the name of the user are set in the banking organ, and another account of the name of the third person is set in another banking organ. The host computer 1 is provided with the CPU 9, and at the time of transfer from the third person to the user, overdraft data in the first current account is not rewritten even if the third person operates the FB terminal machine 3a, and only deposit data in the second current account is rewritten.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a remittance system and a remittance method using electronic equipment.

[0002]

2. Description of the Related Art Conventionally, a farm banking terminal (hereinafter referred to as an FB terminal) is connected to a host computer of a financial institution such as a credit union or a bank via a telephone line. Then, in order to transfer the funds in the checking account to another financial institution or transfer to another account of your own,
It is possible to do this simply by operating this FB terminal without having to go to the counter of the financial institution and apply for it. In a checking account with overdraft contracts, if a third party issues a check, etc. in excess of the balance in the checking account, the bank will pay by check, etc. With this remittance system, overdraft is also possible.

[0003]

[Problems to be Solved by the Invention] However, on the borrowing side, if funds are needed beyond the overdraft limit, it is necessary to go to the window of the financial institution and apply for financing. It was difficult to raise funds in an emergency. Also, if the bills were drawn out beyond the overdraft limit, it would be unpaid, so it was practically difficult to overdraft to near the limit.
Furthermore, in a normal checking account, the balance of deposits and withdrawals is only displayed as the balance of deposits, and it is difficult to grasp the total amount of borrowings at a certain point, and the management of borrowings was not perfect.

On the other hand, for the financial institution side, in the case of a current account with which an overdraft is contracted, the current account is overdrawn and the interest is paid when the loan is made. But,
If new funds are deposited in the checking account, the borrowing amount and the checking account amount will be settled immediately, and the yield of borrowing cannot be expected. As a result, there was a problem that the efficiency of collecting interest on the overdraft amount decreased.

Therefore, the present invention has been made to solve the above problems, and a first object thereof is that a borrower of funds can easily procure funds without going to the window of a financial institution. In addition, it is to facilitate the management of the current account amount. The second purpose is to prevent the bank from reducing the efficiency of collecting the interest on the overdraft amount.

[0006]

According to a first aspect of the present invention, there is provided a first means for inputting numerical data corresponding to a withdrawal amount, and a first data output by the input means via a communication line. Numerical data output means, withdrawal amount storage means for storing numerical data corresponding to the amount of withdrawal from the first own account output from the numerical data output means, and numerical data corresponding to deposits or overdrafts of other accounts And a numerical value data corresponding to the withdrawal amount from the first own account with respect to numerical value data corresponding to the deposit or overdraft amount of another account stored in the deposit amount etc. storage means. And a numerical data rewriting unit for adding and rewriting numerical data from the output unit, and rewriting numerical data corresponding to the deposit or overdraft amount of the first own account via the communication line is the second. Self-mouth Further comprising leaving a first rewrite control means which enables only the second numerical data output means for outputting the numerical data corresponding to the amount from the one in which the gist of the.

According to a second aspect of the present invention, when numerical data exceeding the numerical value corresponding to the overdraft limit is input from the first numerical data output means, rewriting by the numerical data rewriting means is disabled. The gist is to have two rewriting control means.

According to a third aspect of the present invention, the input means outputs the numerical data corresponding to the withdrawal amount of the first own account via the communication line to obtain the numerical data corresponding to the deposit or overdraft amount of another account. While adding and rewriting the numerical value, the rewriting of the numerical data corresponding to the deposit or overdraft of the first own account via the communication line only outputs the numerical data corresponding to the withdrawal amount from the second own account. The point is to do by.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment in which the present invention is embodied in a remittance system and a remittance method in farm banking will be described with reference to the drawings.

As shown in FIG. 1, a host computer 1 of an own financial institution having a contract with a user, via a telephone line 2 as a communication line, inputs means, first numerical data output means and second numerical data. It is connected to a farm banking terminal (hereinafter referred to as an FB terminal) 3 as an output means. The host computer 1 of the own financial institution is connected to the host computer 4 of another financial institution that has a contract with a third party through a dedicated line 2a.
The FB terminal 3a is connected to the FB terminal 3a via the telephone line 2.

As shown in FIG. 2, a first self-checking account (hereinafter referred to as the first self-checking account) 5 as a first self-account in the name of the user is provided in the self-financing institution. A second self-checking account (hereinafter referred to as the second self-checking account) 6 as a second self-account is set. On the other hand, another account 7 is set up in another financial institution in the name of a third party. The first
The transfer between the self-supporting seat 5 and the second self-supporting seat 6 is possible by operating the FB terminal 3.
Further, the transfer between the second self-checking account 6 and the other account 7 can be performed by operating the FB terminals 3 and 3a. Furthermore, the transfer between the first self-checking account 5 and the other account 7 is possible only by operating the FB terminal 3 from the first self-checking account 5 to the other account 7.

First, the host computer 1 of the own financial institution
Will be described. As shown in FIGS. 1 and 2, the host computer 1 is provided with a CPU (central processing unit) 9 as numerical data rewriting means, first rewriting control means and second rewriting control means. ROM for this CPU 9
The (Read Only Memory) 8 and a storage device 10 as a storage means for storing the amount of money to be paid and a storage means for storing the amount of deposit are connected. The ROM 8 stores various control programs for operating the host computer 1.

The storage device 10 is a RAM (Ran).
Dom Access Memory). The storage device 10 includes a deposit data storage area 11 for storing the deposit amount of the first self-checking 5 as deposit data (numerical data). The storage device 10 also includes a withdrawal data storage area 12 for storing, as withdrawal data (numerical data), the amount withdrawn from the first self-checking account 5 to another account 7. Further, the storage device 10 is the first
It includes a deposit data storage area 13 for storing the amount of deposit to the self-checking account 5 as deposit data. In addition, the storage device 10 includes an overdraft data storage area 14 for storing, as overdraft data (numerical data), an overdraft amount that is the difference between the two amounts when the withdrawal amount is larger than the deposit amount.

The storage device 10 stores various data given from the CPU 9 so that the various data can be rewritten. Further, various data stored in the storage device 10 is read by the CPU 9. And the FB terminal 3
When the withdrawal data is input from the CPU 9, the CPU 9 subtracts and rewrites the deposit data read from the storage device 10 based on the withdrawal data, and stores the deposit data in the deposit data storage area 11. When deposit data is input from the FB terminal 3, the CPU 9 adds the deposit data read from the storage device 10 based on the deposit data, rewrites it, and stores it in the deposit data storage area 11.

An input device 15 is connected to the CPU 9. By operating the input device 15, the CPU 9 causes the first
Set the overdraft limit for self-checking 5 or change the overdraft limit. When overdraft data is input from the FB terminal 3 to the host computer 1, the CP
U9 compares and determines whether the overdraft amount exceeds the overdraft limit. When it is determined that the overdraft amount exceeds the overdraft limit, the CPU 9 in the storage device 10 cannot rewrite various data. In this embodiment, the overdraft limit is set by using the deposit of the user who borrows the overdraft as collateral.

The host computer 4 of another financial institution
Has the same configuration as the host computer 1 of its own financial institution. That is, the host computer 4 of another financial institution is provided with a storage device and a CPU (not shown).
This storage device stores deposit data of other accounts 7, withdrawal data,
Store deposit data and overdraft data. Then, the storage device stores various data given from the CPU so that the various data can be rewritten. Further, various data stored in the storage device is read by the CPU.

Next, the FB terminal 3 will be described. The FB terminal 3 can read various data stored in the areas 11 to 14 of the storage device 10 of the host computer 1 via the telephone line 2. The FB terminal 3 is equipped with a keyboard 16, a display device 17 and a printing device 18. The display device 17 and the printing device 18 are for displaying an overdraft amount and the like in addition to the deposit amount, the withdrawal amount, and the deposit amount, or issuing a form in which the amount is recorded. Further, the keyboard 16 is used for inputting the amount of withdrawal when transferring money from the first self-checking account 5 to another account 7, or transferring between the first self-checking account 5 and the second self-checking account 6. In this case, the withdrawal amount is input, and further, the withdrawal amount is input when transferring from the second self-checking account 6 to another account 7. Then, the FB terminal 3 inputs the deposit / withdrawal amount input by the keyboard 16 into the CPU 9 of the host computer 1 as deposit / withdrawal data or deposit / withdrawal data.

The FB terminal 3a used by a third party has the same structure as the FB terminal 3 of the user. That is, the FB terminal 3a reads out various data stored in a storage device (not shown) of the host computer 4 via the telephone line 2.

Next, the operation of the remittance system and the remittance method using the electronic apparatus configured as described above will be described. It is assumed that the first self-supporting account 5 has a deposit of 5 million yen, and that the first self-supporting account 5 has an overdraft limit of 20 million yen.

For example, if the user tries to transfer 10 million yen from the first self-interim account 5 to the other account 7 as a withdrawal amount of business-related working capital, the overdraft of 5 million yen is subtracted. Occurs. In order to make this transfer, when the user operates the keyboard 16 of the FB terminal 3, the withdrawal data is input to the host computer 1. Then, the CPU 9 determines that the withdrawal amount (10 million yen) exceeds the deposit amount (5 million yen), and further, the overdraft amount is the overdraft limit amount (200
It is determined that the amount is less than or equal to JPY 50,000. Based on this determination result, the CPU 9 subtracts the withdrawal amount from the deposit amount of the first self-interest 5 to rewrite the deposit data of the first self-interest 5 and the overdraft data, and the withdrawal data of another financial institution. Transfer to the host computer 4.

Although the specific amount is not illustrated, if the CPU 9 determines that the overdraft amount exceeds the overdraft limit amount when performing the above-mentioned transfer, the CPU 9 determines the first amount based on this determination result. It does not rewrite the deposit data and overdraft data for the self-checking 5 and does not transfer the withdrawal data to the host computer 4 of another financial institution. And F
The fact that the overdraft amount exceeds the overdraft limit amount is displayed on the display device 17 or the printing device 18 of the terminal B 3.

When a third party tries to transfer money to the user, the third party transfers money to the second self-supporting balance 6. That is, in the transaction with the third party, the first self balance 5 is not used and only the second self balance 6 is used. Therefore, the overdraft data of the first self-checking account 5 cannot be rewritten even if a third party operates the FB terminal 3a, and only the deposit data of the second self-checking account 6 is rewritten. Here, the user is the first self-imposed 5
When attempting to settle the overdraft amount in the above item, the user himself operates the FB terminal 3 to transfer the deposit amount in the second self account 6 to the first self account. That is,
The CPU 9 rewrites the overdraft data of the first self-interest 5 based on the withdrawal data from the second self-interest 6.

If the overdraft data of the first self-interim 5 is stored in the overdraft data storage area 14 of the storage device 10 even at the predetermined date and time, the CPU 9 calculates the interest to be attached to the overdraft amount, and Rewrite the deposit data of self-checking 6 of 2. As a result, interest is withdrawn from the deposit amount in the second self-checking balance 6 and collected at the own financial institution.

This embodiment has the following effects (1) to (4). (1) For the user (the side that borrows a business working capital), it is possible to operate the keyboard 16 of the terminal device 3 without operating the loan application procedure at the window of the own financial institution. It is possible to borrow funds up to the overdraft limit from 5 easily and immediately.

(2) When a third party transfers money to the user, it is possible to deposit money only in the second self-supporting balance 6 and not in the first self-supporting balance 5. On the other hand, the user himself
The B terminal machine 3 is operated to transfer the deposit in the second self-checking account 6 to settle the overdraft amount in the first self-checking account 5. That is, the user is allowed to deposit and withdraw into the first self-interest 5 only. Therefore, unlike a normal checking account that has an overdraft contract, for the user,
It is easy to grasp the overdraft status at a certain point, and it is possible to easily manage the overdraft amount. On the other hand, for the financial institution side, when there is an overdraft in the first self-interest 5, even if there is a deposit from the third party to the user, the overdraft amount and the deposit amount will not be settled immediately, so the overdraft amount will be added. It is possible to prevent a decrease in interest collection efficiency.

(3) When the user tries to make a transfer to a third party, the overdraft amount of the second self-supporting balance 6 becomes close to the overdraft limit amount, and the overdraft of the second self-supporting balance 6 is carried out. Even if it becomes difficult to operate, just operate the keyboard 16 of the terminal 3
It is possible to transfer the deposit from the self-interest 5 to the second self-interest 6. Therefore, it is possible to reduce the overdraft amount of the second self-occupancy 6 or eliminate the overdraft, and it is possible to give the user a sense of security in fund transfer. Moreover, when transferring from the second self-supporting balance 6 to the first self-supporting balance 5, the transfer can be made immediately without having to bother to apply for a loan at the counter of the own financial institution.

(4) In the case of overdrafting from the first self-interest 5, if the overdraft amount exceeds the overdraft limit, the overdraft cannot be performed. As a result, users will not be banned from borrowing money, and there is no risk that they will not be able to repay their overdrafts. In addition, the fact that the overdraft limit has been exceeded is displayed on the display device 17 or the printing device 18 to notify the user. That is, for example, even if the user tries to transfer the funds from the first self-provision balance to the second self-provision balance 6, the user can immediately know that the transfer is not possible. Therefore, it is possible to promptly take measures for users to borrow funds in a new way. As a result, it is possible for the user to have a sense of security in fund raising.

The present invention may be configured as follows in addition to the above embodiment. (A) In the above-described embodiment, the remittance system using electronic equipment is embodied in a checking account, but it may be embodied in a savings account.

(B) Although the FB terminal 3 is used in the above embodiment, a multifunction telephone or a personal computer may be used instead of the FB terminal 3. (C) In the above embodiment, the storage device 10 is replaced by a RAM (Ra).
Although it is configured such that each area 11 to 14 stores various data, a flexible disk or the like may be used instead of each area 11 to 14.

[0030]

According to the inventions of claims 1 and 3, it is possible for the borrower of the funds to easily manage the deposits of their own accounts. At the same time, it is possible for the financial institution side to prevent the efficiency of collecting interest paid on the overdraft amount from decreasing.

According to the invention described in claim 2, according to claim 1
In addition to the effect of the invention described in (1), since the overdraft limit can be set, unreasonable borrowing can be stopped, and the borrower can feel a sense of cash flow.

[Brief description of the drawings]

FIG. 1 is a block diagram of a farm bank according to an embodiment.

FIG. 2 is an explanatory diagram showing a relationship between various accounts in a farm bank.

[Explanation of symbols]

2 ... Telephone line (communication line), 3, 3a ... FB terminal (input means, first numerical data output means, second numerical data output means), 6 ... CPU (numeric data rewriting means, first rewriting control means, Second rewriting control means), 10 ... Storage device (withdrawal amount storage means, deposit amount storage means).

Claims (3)

[Claims] 1. Input means for inputting numerical data corresponding to a withdrawal amount, first numerical data output means for outputting the numerical data input by the input means via a communication line, and output from the numerical data output means Withdrawal amount storage means for storing numerical value data corresponding to the withdrawn amount from the first own account, deposit amount storage means for storing numerical value data corresponding to deposit or overdraft amount of another account, and the deposit amount A numerical value to be rewritten by adding the numerical data from the numerical data output means corresponding to the withdrawal amount from the first own account to the numerical data corresponding to the deposit or overdraft amount of the other account stored in the storage means. Data rewriting means for rewriting the numerical data corresponding to the deposit or overdraft of the first own account via the communication line is performed by using the numerical data corresponding to the withdrawal amount from the second own account. Transfer system according to an electronic apparatus that includes a first rewrite control means which enables only the second numerical data output means for force. 2. When the numerical data exceeding the numerical value corresponding to the overdraft limit is inputted from the first numerical data output means, the second numerical control means has a second rewriting control means which cannot rewrite the numerical data. A remittance system using the electronic device according to Item 1. 3. Numerical data corresponding to the withdrawal amount of the first own account is output through the communication line by the input means and added to the numerical data corresponding to the deposit or overdraft amount of another account to rewrite the numerical value. On the other hand, rewriting of numerical data corresponding to the first own account deposit or overdraft amount via the communication line is the second.
Remittance method by electronic device that only outputs numerical data equivalent to the withdrawal amount from your own account.