TW202217714A - Information processing device, system, method, and program product capable of improving convenience while depositing money into an account by using a remittance system that verifies the name of a remittance source of remittance and the name of the remittance destination - Google Patents

Abstract

The convenience is improved while depositing money into an account by using a remittance system that verifies the name of a remittance source of remittance and the name of the remittance destination. The information processing device has: an input acceptance portion for accepting the user input of a deposit instruction designating a name of a first account or a name different from the name of the first account in the name of a depositor while depositing the first account; and a remittance request portion, under a circumstance of consistency that verifies a name of a remittance source with a name of a remittance destination, showing the name of the depositor accepted by the input acceptance portion taken as the name of the first account as well as the remittance designation to request transferring money to the first account with respect to the remittance system executing the remittance from the second account of the remittance source.

Description

Information processing device, system, method and program product

This disclosure is about the technology required to fund an account.

Previously, there was an account-related information database for memorizing account-related information for linking the accounts of customers of financial institutions with the accounts of family members, and a gift-allocation information setting section for allocating gifts given to the accounts among the related-information accounts. , and a benefit service distribution system having a means for allowing customers to transfer gifts between an individual credit available to an individual and a shared credit has been proposed (see Patent Document 1). [Prior Art Literature] [Non-patent literature]

[Patent Document 1] Japanese Patent Application Laid-Open No. 2015-153147

[The problem to be solved by the invention]

Previously, when depositing funds into an account, the system of the source of remittance was used to check the name of the source of remittance and the name of the destination of remittance. Only when the names were the same, the remittance could be executed. restricted situation. However, even for deposits that do not necessarily need to be restricted, mechanical name verification is still performed, and as a result, deposits are restricted, thereby impairing the convenience of users.

In this disclosure, in view of the above-mentioned problems, when funds are deposited into an account using a remittance system that verifies the name of the source of remittance and the name of the remittance destination, the problem is to improve convenience. [means to solve the problem]

An example of the present disclosure is an information processing device including: an input accepting unit that specifies the name of the first account as the name of the depositor when depositing money into the first account, or the name of the first account The input of the user who instructs the deposit in a different name will be accepted; and the remittance entrusting department will check the name of the source of the remittance and the name of the destination of the remittance and execute the previous record of the source of the remittance. The remittance system for the remittance of the second account of the first-mentioned account shall present the name of the depositor who has been accepted by the aforesaid input reception department as the name of the first-mentioned first account of the first-mentioned remittance destination, and entrust the remittance to the first-mentioned first account.

The present disclosure can be defined as a method executed by an information processing device, system, computer, or a program product that causes a computer to execute. In addition, the present disclosure can also be defined as a recording medium readable by a computer or other device, machine, etc., for recording such a program product. Here, the so-called computer-readable recording medium refers to the storage of information such as data or program products by electrical, magnetic, optical, mechanical or chemical action, and can be read from a computer, etc. recording media. [Inventive effect]

According to the present disclosure, in the case of depositing funds into an account using a remittance system that checks the name of the remittance source and the name of the remittance destination, the convenience can be improved.

Hereinafter, embodiments of the information processing apparatus, system, method and program product described in the present disclosure will be described based on the drawings. However, the embodiments described below are merely exemplary embodiments, and the information processing apparatus, system, method, and program product described in the present disclosure are not limited to the specific configurations described below. At the time of implementation, a specific configuration can be appropriately adopted according to the aspect of implementation, and various improvements and modifications can be made.

In the present embodiment, the technology described in the present disclosure is applied to a system required for managing securities accounts. However, the technology described in the present disclosure can be widely used for the technology required for depositing funds from the second account to the first account, and the applicable object of the present disclosure is not limited to the examples shown in the embodiments. For example, in the embodiment described below, an example in which the first account is a securities account and the second account is a bank account is described, but the first account and the second account may be other types of accounts. In addition, in the present embodiment, an example in which the administrator of the name person of the first account is described as a person in parental authority is described, but the administrator is not limited to a person in parental authority. The manager may be a person who is in the position of the nominee who manages the first account, and may be a guardian or other person, for example.

<System configuration> FIG. 1 is a schematic diagram showing the configuration of the system according to this embodiment. The system according to the present embodiment includes a securities account management server 1 , a banking system 5 , an accounting system 7 , 1 or a plurality of user terminals 9 that can communicate with each other by being connected to a network. Among them, the securities account management server 1 and the user terminal 9 constitute a securities account management system, and the bank system 5 and the billing system 7 constitute a remittance system.

FIG. 2 is a schematic diagram of the hardware configuration of the system according to this embodiment. The securities account management server 1, which is a server for managing securities accounts, will accept the deposit from the user to start the operation, and start the deposit processing of the securities account managed by the current user. The securities account management server 1 is provided with: CPU (Central Processing Unit), ROM (Read Only Memory), RAM (Random Access Memory), EEPROM (Electrically Erasable and Programmable Read Only Memory) or HDD (Hard Disk Drive), etc. Computers such as memory devices, communication units such as NIC (Network Interface Card), etc. However, the specific hardware configuration of the securities account management server 1 can be omitted, replaced, or added as appropriate depending on the aspect of implementation. In addition, the securities account management server 1 is not limited to a device consisting of a single casing. The securities account management server 1 can be realized by a plurality of devices using a so-called cloud or distributed computing technology.

The banking system 5 transfers funds from the bank account of the user managed by the banking system 5 to the securities account of the user managed by the securities account management server 1 in response to the deposit request from the securities account management server 1 (deposit) processing. The banking system 5 is, like the securities account management server 1, a computer including a CPU, ROM, RAM, memory device, communication unit, and the like (not shown). However, the specific hardware configuration of the banking system 5 can be omitted, replaced, or added as appropriate depending on the aspect of implementation. In addition, the banking system 5 is not limited to the apparatus which consists of a single housing. The banking system 5 can be realized by a plurality of devices using a so-called cloud or distributed computing technology.

The billing system 7 is a system required to perform billing between the securities account management server 1 and the banking system 5 as an agent. More specifically, in the present embodiment, the billing system 7 relays the deposit request from the securities account management server 1 to the banking system 5, and transfers funds from the banking system 5 to the securities account management server 1. (deposit) to be relayed. The accounting system 7 is, like the securities account management server 1, a computer including a CPU, a ROM, a RAM, a memory device, a communication unit, and the like (not shown). However, the specific hardware configuration of the billing system 7 can be omitted, replaced, or added as appropriate depending on the aspect of implementation. In addition, the billing system 7 is not limited to a device formed of a single housing. The billing system 7 can be realized by a plurality of devices using a so-called cloud or distributed computing technology.

The user terminal 9 is a terminal device used by the user. The user terminal 9 is a computer including a CPU, a ROM, a RAM, a memory device, a communication unit, an input device, an output device, and the like (not shown). However, the specific hardware configuration of the user terminal 9 can be omitted, replaced, or added as appropriate depending on the aspect of implementation. In addition, the user terminal 9 is not limited to the apparatus which consists of a single housing|casing. The user terminal 9 can be realized by a plurality of devices using a so-called cloud or distributed computing technology. The user utilizes various services provided by the securities account management server 1 , the billing system 7 and the banking system 5 through these user terminals 9 .

Previously, when funds were deposited (transferred) to a securities account, the name of the bank account of the source of the remittance and the name of the securities account of the remittance destination were checked by the banking system 5 or the billing system 7. The remittance will only be executed if they are consistent. However, in the previous system, for example, the deposit (transfer) from the parent's bank account to the child's securities account, etc., is not necessarily restricted by laws and regulations. , the result will be treated as a deposit (transfer) error. Therefore, previously, funds had to be donated (transferred) to a bank account in the same name as the securities account, and then funds had to be deposited into the securities account, which was a complicated operation for the user.

In view of such a problem, in the system described in this embodiment, the name of the depositor can be designated by the user, subject to the restrictions set by the relevant laws and regulations, and the name will be checked. The remittance system (banking system 5 or billing system 7 ) notifies the name that has been designated by the user as the name of the remittance destination, thereby avoiding errors in the name verification in the banking system 5 or billing system 7 .

In addition, in the system described in the present embodiment, when a minor wants to open a securities account, it is necessary to provide at least one parent (which can be proved by a public certificate such as a resident certificate or a copy of the family register) parent-child relationship) to log in to the securities account, and it is designed so that only the name of the securities account or the name of the parent (hereinafter referred to as the “registered parent”) can be selected as the name of the depositor. Furthermore, only Only when the user agrees to the operation of the message containing the precautions, the deposit process can continue, and this is set as the limit specified in the above.

FIG. 3 is a schematic diagram showing the functional configuration of the information processing system according to the present embodiment. The securities account management server 1 uses the program product recorded in the memory device of the securities account management server 1 to be read out to the RAM and executed by the CPU to control all processes in the securities account management server 1. Each hardware is provided so as to have a memory unit 21 , an option output unit 22 , an input reception unit 23 , a message output unit 24 , a confirmation acquisition unit 25 , a remittance request unit 26 , an access information providing unit 27 , and a remittance acceptance unit 28 . It functions as an information processing device. In addition, in this embodiment and other embodiments described later, each function of the securities account management server 1 is executed by a general-purpose processor, that is, a CPU, but some or all of these functions may be implemented by Executed by one or more special purpose processors. In addition, some or all of these functions may be executed in cooperation with the user terminal 9 as a securities account management system.

In the memory section 21, in the case where the nominee of the securities account (first account) is a minor, the registered parent (manager) who is in the position of managing the nominee of the securities account will be registered for each securities account. in the name of memory.

The option output unit 22 outputs the name of the securities account and the name of the registered parent read out from the memory unit 21 as options for the name of the depositor.

The input accepting unit 23 accepts an input from the user who selects any option output from the option output unit 22 as the name of the depositor when depositing money into the securities account, so as to specify the name of the securities account, or the name of the corresponding securities account. The user input of the deposit instruction in the name of the securities account (in this embodiment, the name of the registered parent) is accepted and accepted.

The message output unit 24 outputs a predetermined message when the input reception unit 23 accepts an input from a user who has designated a name different from that of the securities account as the name of the depositor. The information output here includes: precautions regarding donations, precautions regarding the consent of the nominee of the securities account, precautions regarding the attribution of assets after the deposit, and precautions regarding withdrawals from the securities account. at least one. An example of a message indicating precautions for donations is "If you make a deposit from a bank account registered in the name of the parent, it will become a gift." Consult with the accountant and the tax authority under your jurisdiction.", "The company does not issue gift certificates." etc. Also, an example of a message indicating the precautions regarding the consent of the nominee of the securities account is: "About the deposit, the consent of the account holder (minor) has been obtained.". Also, an example of a message indicating precautions regarding the attribution of the assets after the deposit is: "The funds after the deposit will become the funds attributable to the account holder (minor)". Also, an example of a message indicating precautions regarding withdrawals from securities accounts is: "Withdrawals from minor accounts can only be remitted to the account holder (minors)."

The confirmation acquisition unit 25 includes a message indicating that the user has confirmed that it has been output by the message output unit 24 and that a name different from the name of the securities account is specified as the name of the depositor (also That is, the user expresses consent to the message) input, and obtains it.

The remittance request unit 26 sends a remittance request (transfer request) to a remittance system that executes remittance from the bank account (second account) of the remittance source by adding an identification element (remittance request ID) that can uniquely identify the remittance request. At this time, the remittance requesting unit 26 presents the name of the depositor accepted by the input accepting unit 23 to the remittance system as the name of the securities account of the remittance destination, and requests the remittance to the securities account. That is, the remittance requesting unit 26 according to the present embodiment takes a name different from the name of the securities account as the remittance destination when an input indicating that the user has been confirmed is obtained by the confirmation obtaining unit 25. and present it in the name of the securities account to entrust the remittance to the securities account.

The access information providing unit 27 provides the user terminal 9 with access information necessary for accessing the remittance system and authorizing the remittance to the user terminal 9 when the remittance request is made. Here, the access information provided by the access information providing unit 27 includes an identification element (remittance request ID) related to the remittance request.

The remittance acceptance unit 28 accepts the remittance from the remittance system corresponding to the remittance request.

The banking system 5 and the billing system 7 control the banking system 5 and the billing system by reading the program products recorded in the memory devices of the banking system 5 and the billing system 7 to the RAM and executed by the CPU Each hardware included in 7 functions as a remittance system including a verification unit 61 , a remittance authorization acquisition unit 62 , and a remittance unit 63 . In the flowchart to be described later, an example will be described in which the billing system 7 functions as the matching unit 61 and the banking system 5 functions as the remittance authorization acquiring unit 62 and the remittance unit 63, but these functions only need to be It is sufficient to realize it in the system on the remittance side, and the role sharing system of the functions is not limited to the illustration in the present embodiment. For example, the verification unit 61 may be provided in the banking system 5 . In addition, in this embodiment and other embodiments described later, each function is executed by a general-purpose processor, that is, a CPU, but some or all of these functions may be executed by one or a plurality of dedicated processors. be executed.

The checking unit 61 checks the name of the bank account of the source of the remittance and the name of the destination of the remittance. Here, the checking unit 61 checks the name of the depositor accepted by the input accepting unit 23 as the name of the transfer destination.

The remittance authorization obtaining unit 62 obtains the authorization of the remittance from the nominee of the bank account of the remittance source when the remittance is performed. In the present embodiment, the remittance authorization acquiring unit 62 acquires authorization for remittance from the user terminal 9 that accesses the banking system 5 in accordance with the access information provided by the access information providing unit 27 .

The remittance unit 63 executes the remittance from the remittance when the remittance authorization is obtained from the name of the bank account of the remittance source by the remittance authorization acquisition unit 62 as a result of the verification by the verification unit 61. A remittance from a source's bank account to a securities account.

<Processing flow> Next, the flow of processing executed by the information processing system according to the present embodiment will be described. In addition, the specific content and process order of the process demonstrated below are an example which is necessary for implementing this disclosure. The specific processing content and processing sequence can be appropriately selected according to the embodiments of the present disclosure.

FIG. 4 and FIG. 5 are flowcharts of the flow of the deposit processing to the securities account according to the present embodiment. FIG. 4 shows the flow of the processing of the securities account management system (the securities account management server 1 and the user terminal 9), and FIG. 5 shows the flow of the processing of the remittance system (the billing system 7 and the banking system 5). The processing shown in this flowchart is executed when the user terminal 9 of the user who has already logged in to the securities account management server 1 in advance accepts the deposit to the securities account and starts the operation. Here, the user who starts the deposit operation may be the nominee of the securities account of the deposit target, or the manager who manages the nominee of the securities account of the deposit target (in this embodiment, the nominee In the case where the nominee of the securities account is a minor, the registered parent).

In steps S101 to S103, the deposit processing to the securities account is started, and the designation of the financial institution and the deposit amount to be used for the deposit is accepted. The securities account management server 1, once the user terminal 9 of the user who has logged in to the securities account management server 1, accepts the deposit to the securities account and starts the operation (step S101), and uses the information for accepting the deposit. Display data necessary for specifying the financial institution to be used and the amount of deposit are output to the user terminal 9, so that the user terminal 9 displays the financial institution and the amount of deposit (step S102). The user terminal 9 notifies the securities account management server 1 of the designated financial institution and the deposit amount by confirming the user input that should be displayed, and the securities account management server 1 will send the user terminal 9 The notified financial institution and the information on the deposit amount are accepted (step S103). After that, the process proceeds to step S104.

In steps S104 and S105, the designation of the name of the depositor when depositing the deposit into the securities account of the deposit object is accepted. The option output unit 22 reads all of the registered relatives in the case where the securities account of the logged-in user is associated with one or a plurality of registered relatives in advance and stored in the memory unit 21. The name of the securities account of the deposit object and the option data that has been read out as an option for the name of the depositor and one or more registered relatives are output to the user terminal 9 (step S104). Here, the so-called registered parent is the parent of the minor who is registered when the securities account is opened in the name of the minor, and the securities account of the minor is the same as the registered parent. The securities account is bound and opened. In addition, in this embodiment, as the option of the name of the depositor, an example in which the name of the securities account of the deposit object and the registered parent(s) that have been read out is described, but the name of the depositor is The options can also be obtained by other methods. For example, the securities account management server 1 may be different from the registered parent who is registered when the account is opened, and one or more names that can be selected as the name of the depositor may be established with the securities account in advance. The memory unit 21 is associated and memorized, and the memorized one or a plurality of names are output as options.

The user terminal 9 displays the option of the name of the depositor according to the option data obtained from the securities account management server 1, and notifies the securities account management of the name of the depositor that has been selected (designated) entered by the user. Server 1. When the user enters the selection (designation), an interface such as an option button or a drop-down menu can be used. Then, the input accepting unit 23 accepts the name of the depositor notified from the user terminal 9 (step S105). After that, the process proceeds to step S106.

In steps S106 to S108, when the name of the depositor is the name of the registered parent, the confirmation process of the precautions is executed. The securities account management server 1 and/or the user terminal 9 determine whether the name of the depositor accepted in step S105 is the name of the registered parent registered for the securities account (step S106). Here, in the case where the name of the depositor that has been selected is determined not to be the name of the registered parent (for example, the same name as the securities account being logged in), the processing of steps S107 and S108 is skipped, and the processing is Proceed to step S109.

On the other hand, if the name of the depositor that has been selected is judged to be the name of the registered parent (different from the name of the securities account being registered), the message output unit 24 will include a precautionary The message is output (step S107 ), and the user terminal 9 is caused to display it. Here, the information is the information required for confirming the precautions when depositing funds from the bank account of the registered parent to the securities account of the minor, including, for example: precautions for gifts, the name of the securities account Precautions for the consent of the person, Precautions regarding the ownership of the assets after the deposit (the confirmation that the funds after the deposit are the funds belonging to the nominee of the securities account), and the withdrawal from the securities account. at least one of the precautions. The user terminal 9 is a confirmation message. Once the user input expressing consent to the content of the message is received (eg, a check box is checked), the fact that the user has obtained the consent to the message will be notified to the securities account management. In the server 1, the confirmation acquisition unit 25 acquires the notification of consent sent from the user terminal 9 (step S108). After that, the process proceeds to step S109.

In steps S109 to S112, a remittance request is sent. The remittance request unit 26 sends the remittance request including the remittance request ID, the financial institution used for depositing, the deposit amount, and the name of the remittance destination securities account to the billing system 7 (step S109). Here, the remittance request ID is unique identification information added to each remittance request in order to identify the remittance request. In addition, the information received in step S103 is used for the information on the financial institution and the deposit amount. In addition, the information contained in the remittance request is not limited to the above-mentioned example. For example, the securities account identification information used, such as the account number of the securities account of the deposit object, may also be included in the remittance request.

Here, the remittance request unit 26 uses the name of the depositor accepted in step S105 as the information on the name of the remittance destination securities account. That is, in step S105, when the name of the depositor is selected as the name of the securities account being logged in, the remittance request unit 26 sends the information of the name of the securities account to be remitted as the same as that of the securities account being logged in. name. On the other hand, in step S105, when the registered parent's name is selected as the depositor's name, the remittance request unit 26 sends the registered parent's name as the information of the remittance destination securities account name.

The accounting system 7 that has received the remittance entrustment records the received remittance entrustment data (deposit operation data) in the database (step S110), and sends a message containing remittance to the bank system 5 corresponding to the financial institution indicated by the remittance entrustment. A remittance request is made for the information of the request ID, the deposit amount, and the name of the remittance destination securities account (step S111). Then, the banking system 5 receives the remittance request sent by the remittance request unit 26, including the remittance request ID, the deposit amount, and the name of the remittance destination securities account, through the billing system 7 (step S112).

In step S113 in FIG. 4 and step S114 in FIG. 5 , access is performed from the user terminal 9 to the banking system 5 . The access information providing unit 27 transmits the information required for access to the website of the financial institution (the banking system 5) accepted in step S103 to the user terminal 9, and instructs the access to The target access (step S113 ) causes the user terminal 9 to access the banking system 5 , and the banking system 5 accepts the access from the user terminal 9 (step S114 ). More specifically, in the present embodiment, the access information providing unit 27 transmits the URL of the billing system 7 to the user as a URL (Uniform Resource Locator) necessary for accessing the target banking system 5 Terminal 9, and instructs access to the current URL. Then, the billing system 7 redirects the access from the user terminal 9 to the website of the financial institution (the banking system 5 ) accepted in step S103 , thereby allowing the user terminal 9 to perform an access check to the banking system 5 . access.

In addition, the URL of the billing system 7 and the URL for redirection contain the same ID as the remittance request ID included in the remittance request sent in step S109, and the banking system 5 refers to the remittance included in the URL. The request ID is used to associate the remittance request received from the securities account management server 1 with the user terminal 9 that accesses the banking system 5 . However, the method of connecting the remittance request received from the securities account management server 1 and the user terminal 9 accessing the banking system 5 is not limited to the example in the present disclosure, and other methods may be employed. After that, the process proceeds to step S115.

In steps S115 and S116, the login process to the banking system 5 is performed. The bank system 5 that has accepted the remittance request from the securities account management server 1 and the access from the user terminal 9 transmits the login screen for the online banking account to the user terminal 9 (step S115), 9. The user's login is accepted (step S116). In addition, the specific method of authentication processing required for login is not limited, and for example, password authentication, token authentication, biometric authentication, etc. can be used. After that, the process proceeds to step S119.

In step S119 to step S121, execution confirmation of transfer (remittance) is performed. The remittance authorization acquisition unit 62 transmits the display data required for confirming the content of the remittance request accepted in step S112 to the user terminal 9 accessed in step S114, and instructs the user terminal 9 to perform It is displayed to authorize the remittance from the bank account of the logged-in user from the remittance source (hereinafter referred to as "remittance source bank account") to the remittance destination securities account (step S119). Then, the remittance authorization acquiring unit 62 receives the input of the authorization operation of the user who has confirmed the contents of the remittance request displayed on the user terminal 9 from the user terminal 9, thereby acquiring the remittance source bank. Authorization of remittance from the account to the remittance target securities account (step S120). Once the remittance authorization is obtained, the remittance unit 63 creates remittance data according to the remittance request ID, the deposit amount, and the name of the remittance destination securities account accepted in step S112, and sends a message to the billing system 7 (step S121). . After that, the process proceeds to step S122.

In steps S122 to S124, the name of the remittance destination securities account and the name of the remittance source bank account are checked. The accounting system 7, upon receiving the remittance data sent from the banking system 5 (step S122), records the accepted remittance data in the database. Then, the checking unit 61 of the billing system 7 checks the name of the remittance destination securities account received in step S110 with the name of the remittance source bank account included in the remittance data received in step S122 (step S123). ). More specifically, in the present embodiment, the checking unit 61 checks the document data of the owner name of the remittance destination securities account and the document data of the owner name of the remittance source bank account to confirm whether they are the same. However, the type of information to be checked is not limited to the examples in this embodiment as long as it can be confirmed that the remittance destination securities account and the remittance source bank account are related to the same name. If the name of the remittance destination securities account and the name of the remittance source bank account are inconsistent as a result of the verification, the remittance should be regarded as an error (step S124), and the process shown in this flowchart ends. On the other hand, if the result of the verification is that the name of the remittance destination securities account and the name of the remittance source bank account match, the process proceeds to step S125.

In step S125 of FIG. 5 and step S126 of FIG. 4, the deposit into the securities account is performed. The billing system 7 transmits the remittance data to the securities account management server 1 (step S125). Then, the remittance data sent from the billing system 7 is received by the remittance acceptance unit 28 and recorded in the securities account (step S126), thereby completing the deposit processing to the securities account. In addition, since the name of the remittance destination securities account shown in the received remittance data is the name of the depositor accepted in step S105, it may be different from the name of the securities account to be deposited. Therefore, the remittance acceptance unit 28 matches the remittance request and the remittance data using information such as the remittance request ID and the deposit amount included in the remittance data, and deposits funds to the securities account related to the corresponding remittance request. Thereafter, the processing shown in this flowchart ends.

In addition, the order of processing and the main body of processing included in the flowchart described above can be appropriately changed. For example, the order of the processing shown in step S101 to step S108 can be appropriately changed. Also, for example, the process of specifying the financial institution/payment amount shown in steps S102 and S103, the process of specifying the name of the depositor shown in steps S104 and S105, and the precautions shown in steps S106 to S108 The confirmation processing can be processed by the user terminal 9 according to the data and program products downloaded to the user terminal 9 in advance.

＜Effect＞ According to the system described in the present embodiment, the deposit processing that was previously regarded as a deposit (transfer) error can be executed without error. Therefore, according to the system described in this embodiment, it is not necessary to perform the complicated operation of depositing funds into the securities account after donating (transferring) funds to the bank account in the same name as the securities account. Greatly improve customer convenience.

<First modification> In the above-described embodiment, the remittance destination securities account name and the remittance source bank account name have been described as being checked in the billing system 7, but the checking process can also be performed in the bank system 5. , can also be implemented in both the banking system 5 and the billing system 7 .

FIG. 6 is a flow chart showing the flow of the deposit processing to the securities account according to the modification. Among the deposit processing, the content of the processing executed on the securities account management system side is substantially the same as that of the deposit processing explained with reference to FIG. 4 , so the description is omitted. In addition, among the processes shown in FIG. 6 , the processes from step S110 to step S116 are substantially the same as the processes described with reference to FIG. 5 , and therefore the same reference numerals are used, and descriptions are omitted. In the deposit process described in this modification, once the user's login is accepted from the user terminal 9 in step S116, the process proceeds to step S117.

In steps S117 and S118, the name of the remittance destination securities account and the name of the remittance source bank account are checked. The verification unit 61 of the banking system 5 compares the name of the remittance destination securities account received in step S112 with the name of the bank account to which the user who has logged in to the banking system 5 wants to authorize the remittance (transfer) (that is, the source of the remittance). Name of the bank account. Usually, the name of the bank account of the source of remittance is the user who is logging in.), and verify it (step S117). The specific content of the verification process is almost the same as the verification in the billing system 7, so the description is omitted. If the name of the remittance destination securities account and the name of the remittance source bank account are inconsistent as a result of the verification, the remittance should be regarded as an error (step S118), and the process shown in this flowchart ends. On the other hand, if the result of the verification is that the name of the remittance destination securities account and the name of the remittance source bank account match, the process proceeds to step S119. The processing after step S119 is substantially the same as the processing described with reference to FIG. 5 except that the checking processing (step S123 and step S124) in the billing system 7 is omitted, and therefore the same symbols are assigned and the description is omitted.

<Second modification> Furthermore, in the embodiment described above, the example in which the settlement between the securities account management server 1 and the banking system 5 is relayed by the billing system 7 has been described, but the securities account management server 1 and the banking system The billing between 5 can also be performed directly without being relayed by the billing system 7 . In this case, the name verification process is performed in the securities account management server 1 or the banking system 5 .

FIG. 7 is a schematic diagram showing the functional configuration of the information processing system according to the modification. The information processing system according to this modification is substantially the same as the above-described embodiment except that the securities account management server 1b further includes the verification unit 31, and therefore the same components are denoted by the same symbols and their descriptions are omitted. However, in this case, since the name verification is performed in the securities account management server 1b, the verification unit 61 on the remittance system side may be omitted.

The verification unit 31 of the securities account management server 1b, like the verification unit 61, verifies the name of the bank account from which the remittance originates and the name of the remittance destination. Here, the verification unit 31 takes the name of the depositor accepted by the input reception unit 23 as the name of the remittance destination, and obtains the name of the bank account of the remittance source from the remittance system to perform verification.

When the verification of the name is performed by the verification unit 31 of the securities account management server 1b, in the processing corresponding to step S126 in FIG. deal with. More specifically, once the remittance data sent by the billing system 7 in step S125 is received by the remittance acceptance unit 28 of the securities account management server 1b, the verification unit 31 of the securities account management server 1b will perform step S125. The name of the depositor accepted in S105 shall be regarded as the name of the remittance destination, and shall be checked with the name of the bank account of the source of the remittance indicated in the remittance information. The specific content of the verification process is almost the same as the verification in the billing system 7, so the description is omitted.

If the result of the check is that the name of the remittance destination is inconsistent with the name of the remittance source, the securities account management server 1b will erroneously end the deposit process based on the received remittance data, and the remittance system (the billing system 7) or the banking system 5) to notify the cancellation of the remittance request. On the other hand, if the result of the verification is that the name of the remittance destination and the name of the remittance source are identical, the remittance acceptance unit 28 of the securities account management server 1b records the received remittance data in the securities account , the deposit processing of the securities account is completed. <Third modification example>

In addition, in order to prevent the account of minors from being used when the account of the registered parent is under a pseudonym or under a pseudonym or insufficient funds, it is also possible to check whether the transaction in the registered parent's securities account is restricted. (locked).

FIG. 8 is a schematic diagram showing the functional configuration of the information processing system according to the modification. The information processing system described in this modification is substantially the same as the above-described embodiment except that the securities account management server 1c further includes the restriction checking unit 29 and the restriction unit 30, and therefore the same components are denoted the same. symbols and descriptions are omitted.

The restriction confirmation unit 29 confirms whether or not transactions in the securities account (third account) associated with the registration in the name of the parent (manager) are restricted.

The restriction unit 30 restricts the registration of parental rights in the name of the depositor by the input acceptance unit 23 when it is confirmed by the restriction confirmation unit 29 that the transaction in the securities account of the registered parent is restricted. acceptance in the name of the person. That is to say, if the transaction in the securities account of the registered parent is restricted, by making it impossible to choose the name of the registered parent as the option of the depositor, it can be controlled that it cannot be registered from the parent. The bank account of the right holder to deposit funds.

In addition, the restriction unit 30 restricts the use by the remittance request unit 26 to the registered parent when it is confirmed by the restriction confirmation unit 29 that the transaction in the securities account of the registered parent is restricted. Remittance entrustment in the name of . That is to say, it can also be controlled. After selecting the name of the registered parent as the name of the depositor, it can confirm whether the transaction in the securities account of the registered parent is restricted. After confirming that the transaction has been restricted. In this case, an error message indicating that the deposit cannot be made from the bank account of the registered parent will be displayed.

1,1b,1c: Securities Account Management Server 5: Banking System 7: Accounting system 9: User terminal 21: Memory Department 22: Option output section 23: Input Reception Department 24: Message output section 25: Confirmation of the acquisition department 26: Remittance entrustment department 27: Access to Information Providers 28: Remittance Reception Department 29: Restriction Confirmation Department 30: Restriction Department 31: Checking Department 61: Checking Department 62: Remittance Authorization Acquisition Department 63: Remittance Department

[FIG. 1] A schematic diagram of the configuration of the information processing system according to the embodiment. [FIG. 2] A schematic diagram of the hardware configuration of the information processing system according to the embodiment. [FIG. 3] A schematic diagram of the functional configuration of the information processing system according to the embodiment. [FIG. 4] A flowchart of the flow of the deposit processing to the securities account according to the embodiment. [FIG. 5] A flowchart of the flow of the deposit processing to the securities account according to the embodiment. [FIG. 6] A flowchart of the flow of the deposit processing to the securities account according to the modification. [FIG. 7] A schematic diagram of the functional configuration of the information processing system according to the modification. [FIG. 8] A schematic diagram of the functional configuration of the information processing system according to the modification.

1: Securities Account Management Server

21: Memory Department

22: Option output section

23: Input Reception Department

24: Message output section

25: Confirmation of the acquisition department

26: Remittance entrustment department

27: Access to Information Providers

28: Remittance Reception Department

61: Checking Department

62: Remittance Authorization Acquisition Department

63: Remittance Department

Claims (14)

An information processing device is provided with: The input accepting section is the input of the user who instructs the deposit as the name of the depositor when depositing into the first account, who has designated the name of the first account, or a name different from the name of the first account. , be admissible; and The remittance entrustment department is a remittance system that executes the remittance from the second account of the remittance source recorded above when the name of the remittance source and the name of the remittance destination are checked to be consistent, and the remittance has been entered into the receiving department. The name of the depositor shall be presented as the name of the first-mentioned first account of the first-mentioned remittance destination, and the remittance to the first-mentioned first-mentioned account shall be entrusted. The information processing device as described in claim 1, wherein, It is further provided with: the confirmation and acquisition unit, which acquires the input of a message indicating that the aforementioned user has confirmed that the name of the depositor is a different name from that of the aforementioned first account; The remittance request unit of the preceding paragraph, in the case where the input indicating that the user of the preceding paragraph has been confirmed is obtained by the receiving unit of the preceding paragraph confirmation, will present a name different from the name of the first account described above as the name of the remittance destination described above. , to entrust the remittance to the first account of the previous record. The information processing device as described in claim 2, wherein, It is further provided with: a message output unit for outputting a preceding message when an input of a preceding user who has designated a name different from that of the preceding first account as the name of the preceding depositing person received by the preceding input receiving unit is received. ; The preamble confirmation acquisition unit acquires the preamble user who has confirmed the input of the preamble message that has been output by the preamble message output unit. The information processing device as described in claim 2 or 3, wherein, The preceding information includes: precautions for gifts, precautions for the consent of the nominee of the first account in the preceding paragraph, precautions for the attribution of assets after the deposit, and precautions for withdrawals from the first account in the preceding paragraph. at least one. The information processing device as described in claim 1, wherein, The pre-remittance entrustment department sends a remittance request to the pre-remittance system by attaching an identification element that can uniquely identify the remittance request; It also has: an access information providing unit, which provides access information to the terminal of the user of the previous record for accessing the remittance system of the previous record and authorizes the remittance of the previous record, and the access information contains the information related to the remittance request of the previous record. Identifiers are noted before. The information processing device as described in claim 1, wherein, The aforementioned input acceptance unit accepts input in the name of a manager who is in the position of a nominee who manages the first account as a name different from the name of the first account mentioned above. The information processing device according to claim 6, wherein, Also has: The Memory Department, in the name of the Precedent Manager, in accordance with the first account of each Prerecord; and The option output part is to output the name of the first account and the name of the manager mentioned above as the options in the name of the depositor; The pre-entry input accepting unit accepts the input of the pre-deposited user by accepting the pre-entry user's input for selecting any one of the pre-entry options that have been output by the pre-entry option output unit. The information processing device as described in claim 6 or 7, wherein, The first account mentioned above is an account opened by being bound with the account of the manager of the nominee of the first account. The information processing device according to claim 6, further comprising: The Restriction Confirmation Department confirms whether the transactions in the third account related to the name of the aforementioned manager are restricted; and The Restriction Department, when it is confirmed by the Restriction Confirmation Section that the transaction in the third account mentioned above is restricted, restricts the input of the preceding entry to the acceptance unit and accepts the receipt in the name of the preceding administrator who is the name of the preceding depositor, Or a remittance request in the name of the manager of the previous record by the Remittance Request Department of the previous record. The information processing device as described in claim 1, wherein, It also has: Remittance Acceptance Department, which accepts remittances from the aforementioned remittance system corresponding to the remittance entrustment. The information processing device as described in claim 1, wherein, The first account is a securities account, and the second account is a bank account. An information processing system is provided with: The input accepting section is the input of the user who instructs the deposit as the name of the depositor when depositing into the first account, who has designated the name of the first account, or a name different from the name of the first account. , be admissible; and The verification section is a verification section that verifies the name of the remittance source and the name of the remittance destination. The name of the depositor who has been accepted by the pre-entry input acceptance department is regarded as the name of the pre-recorded first account of the pre-remitted remittance destination. check; and The remittance department executes the remittance to the first account of the previous record from the second account of the previous record of the remittance source when the result of the verification by the previous record verification department is the same. A method, performed by a computer: In the input acceptance step, the user who instructs the deposit will be input as the name of the depositor when depositing money into the first account. , be admissible; and The remittance entrustment step is a remittance system that executes the remittance from the second account of the remittance source recorded above if the name of the remittance source is checked with the name of the remittance destination and is consistent with the remittance source. The name of the depositor shall be presented as the name of the first-mentioned first account of the first-mentioned remittance destination to entrust the remittance to the first-mentioned first-mentioned account. A program product used to make a computer function as: The input accepting section is the input of the user who instructs the deposit as the name of the depositor when depositing into the first account, who has designated the name of the first account, or a name different from the name of the first account. , be admissible; and The remittance entrustment department is a remittance system that executes the remittance from the second account of the remittance source recorded above when the name of the remittance source and the name of the remittance destination are checked to be consistent, and the remittance has been entered into the receiving department. The name of the depositor shall be presented as the name of the first-mentioned first account of the first-mentioned remittance destination, and the remittance to the first-mentioned first-mentioned account shall be entrusted.

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