JP2003058714A - Transfer processing deciding system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transfer processing deciding system, by which the handling of indistinct receiving of money can be unnecessitated by eliminating receiving of transferred money itself with indistinct transaction contents on the side of a recipient. SOLUTION: In this transfer processing deciding system, a transfer specified ID corresponding to an inputted transfer destination account is recognized by a computer of a financial institution or network computer on the basis of the processing request of specified transfer contents, an input transfer specified ID is collated with the transfer specification ID set to the transfer destination account and on the condition that the input transfer specification ID and the set transfer specification ID with each other at least, processing of inputted specified transfer contents is accepted.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer processing determination system for determining the validity of transfer processing performed on an account of a financial institution such as a bank.

[0002]

2. Description of the Related Art Japanese Patent Laid-Open No. 2000-082101 and Japanese Patent Laid-Open No. 2-2102 are known inventions relating to transfer processing to accounts of financial institutions.
There is a transfer processing system of No. 000-293610. The transfer processing system searches whether the transferred account number is a transfer-dedicated account number, and if it is not a transfer-dedicated account number, the ordinary ledger deposit process is performed, and if it is a transfer-dedicated account number, the transfer is performed. Add a bank account number and related information to a specified location, change the transferred account number to a valid account number, perform payment processing for the legal account, and transfer notification with electronic account number dedicated to transfer and related information Is notified to the payee, and it is said that the payer can be specified by the account number of the transfer target.

Another known invention relating to other transfer processing is a transfer card system disclosed in Japanese Patent Laid-Open No. 2000-113079. The transfer card system reads the transfer information including the transaction contract number stored in the card and the transfer destination information by the terminal device of the financial institution and transmits it to the host system of the financial institution, and the host system validates the transfer destination information. If it is judged that the transfer has been completed, the terminal device is notified, and the transfer remittance information is notified to the system of the mail order company, etc., and the payment of the transaction matching the transaction contract number in the system of the mail order company etc. The transfer amount is applied to the planned amount, and it is said that mail-order companies and the like can easily apply the deposit by specifying the transaction data corresponding to the transaction contract number.

[0004]

However, in the above-mentioned transfer processing system and transfer card system, the payer of the transfer payment is specified by the transfer dedicated account number, and the transaction content of the transfer transfer is specified by the transaction contract number. Although it is possible to do so, it is not possible for the payee to eliminate the transfer deposit itself whose transaction details are unknown, and the transfer itself whose transaction details are unknown is executed. Such unknown deposits are constantly generated, but a great deal of labor is required to deal with them, which significantly hinders the efficiency of accounting work and makes it difficult to reduce costs related to accounting work.

The present invention is proposed in order to solve the above-mentioned problems, and the recipient does not need to deal with the unknown deposit by eliminating the transfer deposit itself whose transaction details are unknown. It is an object of the present invention to provide a transfer processing determination system capable of improving the efficiency of work centered on accounting and reducing work-related costs.

[0006]

According to the transfer processing determination system of the present invention, a computer of a financial institution or a network computer makes a request based on a processing request for a specific transfer content.
Recognize the transfer specific ID for the input transfer destination account,
The input transfer specific ID is collated with the transfer specific ID set for the transfer destination account, and the input is made on the condition that the input transfer specific ID and the set transfer specific ID match at least. It is characterized in that processing of specific transfer contents is accepted. By accepting the transfer process only when the transfer specific ID matches, the unknown deposit can be eliminated, and the business process centered on accounting can be dramatically streamlined.

Further, the transfer processing determination system of the present invention is
Recognizing the input transfer amount and adding up the invoice amount set corresponding to the collated set transfer specific ID or the invoice amount set corresponding to each of the collated set transfer specific IDs. It is characterized by collating the summed charge amount and the transfer amount, and accepting the processing of the specific transfer content, at least on condition that the charge amount or the total charge amount matches the transfer amount. By accepting only the transfer that matches the set transfer specific ID and the transfer amount matches the billing amount of the set transfer specific ID, it is possible to eliminate unknown deposits and transfer of incorrect amounts, centering on accounting. It is possible to achieve dramatic rationalization of business processes.

Further, the transfer processing determination system of the present invention is
The computer of the financial institution or the network computer judges whether or not there is a transfer specific ID for the transfer destination account to be input, based on the processing request for the specific transfer content,
At least, it is characterized in that processing of specific transfer contents input from the terminal is accepted on condition that there is an input transfer specific ID. By accepting the transfer process only when the transfer specific ID is present, the unknown deposit can be reduced as much as possible, and the business process centered on accounting can be rationalized.

Further, the transfer processing determination system of the present invention is
It is characterized in that the transfer destination account is a dedicated account in which the processing relating to the transfer specific ID is executed. As a dedicated account,
By executing the process related to the transfer specific ID only for the necessary account, the range of choices of the user can be expanded and the convenience can be achieved according to the needs.

Furthermore, the transfer processing determination system of the present invention is
The transfer specific ID is a transaction type ID corresponding to the transaction content. By setting the transfer specific ID as the transaction type ID set for each transaction type, it becomes possible to easily and accurately grasp the type of transaction and the intention of the transfer requester for the transfer, and completely eliminate the unknown deposit, Business processes centered on accounting can be dramatically streamlined. Further, an ID can be uniformly set for each transaction type, and the transaction type ID can be widely announced.

Further, the transfer processing determination system of the present invention is
The transfer specific ID is a bill ID or an individual transaction ID. By making the transfer identification ID the invoice ID or the individual transaction ID set for each individual transaction, only the one-to-one correspondence with the accounts receivable of the transfer destination is made, and the other transaction contents unknown Since it is possible to completely eliminate it, it is possible to dramatically streamline the business process centered on accounting. A plurality of invoice IDs and a plurality of individual transaction IDs that have been input may be collated with one transfer process.

Furthermore, the transfer processing determination system of the present invention is
The transfer specific ID is a payer ID. By using the transfer identification ID as the payer ID, it is possible to specify the payer, reduce the amount of payment whose transaction details are unknown, and rationalize the business process centered on accounting.

Furthermore, the transfer processing determination system of the present invention is
The transfer specific ID of the transfer received by the transfer processing determination system is used to store the transfer specific ID of the transfer received or executed by the computer of the financial institution or the network computer for the transfer destination account. It is characterized by transmitting to a transfer destination terminal connected via a network. For example, when the transfer specific ID is a transaction type ID, the transfer destination can easily specify the transaction content corresponding to the executed transfer, and when the transfer specific ID is an invoice ID, the transfer is performed. It becomes possible to easily perform the processing of clearing the accounts receivable at the destination terminal, and when the transfer identification ID is the payer ID, the transfer destination can easily specify the payer.

It should be noted that some of the specified items of each invention are changed to some of the specified items of other inventions, or some or all of the specified items of other inventions are added to the specified items of each invention. Or, those in which the specific items of each invention are deleted within the scope of the gist of the present invention are also included in the present invention.

The network computer of the financial institution of the present invention includes not only the case where the host computer itself is the network computer but also the concept of the network computer including terminals such as ATM connected through the network. It Further, the input of the present invention includes an input made from a terminal of a financial institution computer or a network connected via a network outside a network computer, and an input made at a terminal of a financial institution network computer. The terminal used in the present invention is, for example, a mobile phone, a mobile terminal, a personal computer, an ATM, or the like. In addition, in the transfer specific ID,
In addition to the above, it is possible to set appropriate items for specifying the transfer content, transfer intention, transfer person, and the like.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the transfer processing determination system of the present invention will be described below. FIG. 1 is a block diagram showing a hardware configuration for executing an embodiment of a transfer processing determination system.

As a hardware configuration for executing the transfer processing determination system of this embodiment, as shown in FIG. 1, a bank host computer 10 and a transfer requester who is timely connected to the host computer 10 via the Internet are used. It has a terminal 20 and a transfer recipient's terminal 30 which is timely connected to the host computer 10 via the Internet,
The host computer 10 is a single computer or a computer connected via a network, and includes a control unit, an arithmetic unit, a storage unit,
A transfer control unit, an input unit, etc. are provided, and the transfer requester terminal 20
The transfer recipient terminal 30 is, for example, a mobile phone or a personal computer, and includes a control unit, a storage unit, a communication control unit, an input unit, a display unit, and the like.

The host computer 10 has a function as a server, and transmits and receives data to and from the transfer requester terminal 20 or the transfer recipient terminal 30 connected via a communication line. While presenting predetermined data as a predetermined screen on the display unit of 30, the terminals 20, 30
It is possible to receive and take in the predetermined data input and transmitted by the input unit of.

Further, the host computer 10 is configured to cooperate with a transfer processing program stored in the storage unit and receive and execute a transfer processing request, as in a normal bank system. For a transfer to a judgment-dedicated account for executing the judgment of the transfer process, a predetermined transfer process judgment program for executing the judgment is stored in the transfer process judgment program storage area 11 of the storage unit, and the control unit of the host computer 10 is stored. And the like cooperate with the transfer processing program to execute the transfer processing judgment for the judgment-dedicated account.

The storage unit of the host computer 10 is
The customer management file 12 for managing the information related to the customer such as the transfer requester and the transfer recipient of the present embodiment is provided, and the customer management file 12 is the contract number of the registered customer in online banking or mobile banking. A customer ID storage area 121 for storing a personal identification number, a personal identification number, and the like, and a holding account storage area 122 for storing the type of a customer's account, an account number, etc., and is a transfer destination in the transfer processing of the present embodiment. The person's holding account storage area 122 stores the type of the determination-dedicated account for executing the determination of the transfer process of this embodiment and the account number thereof.

The storage unit of the host computer 10 is
A transfer specific ID storage area 13 for storing the invoice number of the invoice issued by the transfer recipient and the invoice amount corresponding to each invoice number, which is set and registered in the judgment exclusive account, The transfer specific ID storage area 13 is associated with each judgment dedicated account by the judgment dedicated account type and account number. In addition to this, the storage unit of the host computer 10 stores the account management file 14 and the like in which the balance and the like for each account type are stored.

Next, the process of determining the transfer process in the transfer process determination system of this embodiment will be described. FIG. 2 is a flow chart showing a flow of determination of the transfer process by the embodiment of the transfer process determination system.

First, for example, based on the provision of goods or services, the transfer recipient receives the invoice number No. for the transfer requester at the transfer recipient terminal 30. 1-No. The invoices up to 3 are issued, and these invoices are transmitted from the transfer recipient terminal 30 to the transfer requester terminal 20 via the Internet. Each of the invoices includes the issuer name, addressee, invoice number, invoice amount,
The bank name and branch name of the transfer destination account, the type of the judgment-dedicated account to be the transfer destination account, and the account number are held as data. Here, the account type of the determination-dedicated account is α, the account number is 0000001, and the invoice number No. Invoice amount 1 is 10,000 yen, invoice number No. Invoice No. 2 is 20,000 yen. The charge amount of 3 is 50,000 yen.

At the same time as the issuance of the invoice and the transmission to the transfer requester terminal 20, the transfer recipient receives the transfer recipient's account at the transfer recipient's terminal 30 as the determination-dedicated account type α and the account number 00000001, and the determination thereof. The bill number No. of the issued bill is used as the setting data for the dedicated account. 1 to
No. 3 and the billing amount of each bill are transmitted to the host computer 10 via the Internet. The host computer 10 of the financial institution receives the data, and the control unit thereof has a transfer destination account type α and an account number 00000001.
Invoice number No. as the setting data of the judgment-dedicated account.
No. 1 and its charge amount of 10,000 yen, invoice number No. No. 2 and its charge amount of 20,000 yen, invoice number No. 3 and the billing amount of 50,000 yen are stored in the transfer specific ID storage area 13.

At a later date, the transfer requester accesses the host computer 10 via the Internet at the transfer requester terminal 20, and, for example, the invoice number No. 1 and its charge 1
10,000 yen and invoice number No. 2 and the billing amount of 20,000 yen, a transfer request of 30,000 yen in total is executed. Transfer requester terminal 20
By the access, the control unit of the host computer 10 sequentially presents a guide screen on the display unit of the transfer requester terminal 20 for prompting the user to input items necessary for executing the transfer process.

In the guide screen, the input and transmission of the contract number and the personal identification number of the customer are prompted by the first screen, for example, as in the case of ordinary net banking or mobile banking (S1). The host computer 10 receives and receives the transmitted contract number and personal identification number, and its control unit controls the customer ID storage area 121 of the customer management file 12.
The setting contract number and setting secret code stored in the memory are read out and collated with the contract number and secret code (S
2), if these match, the host computer 1
The control unit of 0 presents a second screen in which a plurality of menus such as balance inquiry and transfer request are selectably displayed on the display unit of the transfer requester terminal 20 and prompts for input (S3). , Presenting an end screen with a message to try again.

When the selection input of the transfer request made on the second screen is taken in, the control unit of the host computer 10 sequentially displays a guide screen on the display unit of the transfer requester terminal 20, as in the case of normal mobile banking. The transfer requester name and telephone number, the branch name / account type / account number to be withdrawn, the transfer recipient name, the transfer bank name and branch name, the transfer destination account type and account number, the transfer amount, etc. Prompt input of necessary transfer information (S4), receive and capture these data that have been input and transmitted, and temporarily store in a predetermined storage area of the storage unit, and recognize the type of transfer destination account. The account type is determined (S5). In this example, an input of 30,000 yen is taken in as the transfer amount.

At this time, when it is determined that the type of the transfer destination account is the determination-dedicated account, the control unit of the host computer 10 displays the invoice number of the invoice corresponding to the transfer on the display unit of the transfer requester terminal 20. Present a guidance screen that prompts you to enter (S
6). The transfer requester displays the transfer requester terminal 20 on the guidance screen.
The invoice number is input in the input section of and the data of the input invoice number is transmitted to the host computer 10. If it is determined that the account is not a judgment-only account, the confirmation of the transfer content described below is prompted (S12), the transfer execution command transmitted after confirmation from the transfer requester terminal 20 is accepted, and the transfer is accepted.
A transfer request reception screen is presented (S13). In this example, the transfer requester is the invoice number. 1 and No. Enter 2 to send.

The control unit of the host computer 10 sends the invoice number No. 1 and No. 2 is received and taken in, temporarily stored in a predetermined storage area of the storage unit, and the transfer is specified based on the type α and the account number 00000001 of the determination-dedicated account which is the transfer destination account temporarily stored in the predetermined storage area. The invoice number registered and set for the corresponding judgment-only account is read from the ID storage area 13, and the imported invoice number is compared with the set invoice number, and the input invoice number is set. Confirm that the invoice number matches (S7). In this example, the entered invoice number No. is obtained by collation. 1 and No. Invoice number No. 2 which has been set and registered. 1 and No. Compatibility with 2 is confirmed.

When the conformity is confirmed, the control unit of the host computer 10 extracts the billing amount of the conforming bill number from the transfer specific ID storage area 13 (S8) and determines whether there are a plurality of bill numbers. If there are a plurality of invoice numbers (S9), the calculation unit adds the invoice amounts of the invoice numbers to obtain the total invoice amount (S10). In this example, the invoice number is No. 1 and No. Invoice number No. Invoice amount 10,000 yen and invoice number No. 1 The total billing amount of 30,000 yen is obtained by adding the billing amount of 2 and 20,000 yen. When the bill number is not suitable, the control unit of the host computer 10 presents a guide screen or an end screen for prompting the re-input of the bill number on the display unit of the transfer requester terminal 20.

After that, the control unit of the host computer 10 collates the transfer amount with the extracted charge amount or the added charge amount, and confirms the match between the transfer amount and the charge amount or the added charge amount (S11). In this example, 30,000 yen is entered as the transfer amount, and the host computer 1
The transfer amount of 30,000 yen is stored in a predetermined storage area of the storage unit of No. 0. 1, No. The total billing amount of 30,000 yen in 2 is more suitable for verification.

When the transfer amount and the invoice amount or the total invoice amount match, the control unit of the host computer 10 presents a confirmation screen prompting the user to confirm the transfer contents on the display unit of the transfer client terminal 20 (S12). When the transfer requester inputs and transmits the transfer execution on the confirmation screen of the transfer requester terminal 20, the host computer 10 receives and receives the transfer execution data, and the control unit thereof receives the transfer request having the input content. While performing processing, the transfer requester terminal 20
The reception screen of the fact that the transfer contents are received, the reception date, and the reception number is displayed on the display part of (S13), and the reception of the transfer request is completed. If the transfer amount and the billing amount or the total billing amount do not match, the host computer 10
The control unit presents the end screen on the display unit of the transfer requester terminal 20 together with the message of redone.

After that, at the time of executing the payment, the control unit of the host computer 10 causes the conforming bill number No. 1, N
o. Transfer specific ID storage area 1 distinguishing 2 as already paid
No. 3 stored in the invoice number for which the transfer has been completed. 1,
No. 2 Transferee terminal 30 via the Internet
Send to. The received invoice number No. 1, No.
The control unit of the remittance recipient terminal 30 that receives and receives the invoice number 2 cooperates with the accounts receivable clearing program stored in the storage unit. 1, No. Execute the processing for clearing accounts receivable in 2.

In the above embodiment, the case where the transfer process is determined when the host computer 10 is accessed by the transfer client terminal 20 has been described. However, the host computer 10 is a dedicated terminal for a financial institution such as an ATM or a convenience store. It is possible to determine the transfer process in the same manner even when the access is made in.

Further, in the above embodiment, the case where the bank in which the transfer recipient sets the determination exclusive account and the bank to which the transfer requester requests the transfer processing are the same bank has been described. If the setting bank and the requesting bank are different, the host computer of another bank is accessed via the network when processing the transfer request, or the shared database between banks that stores the setting data of each judgment exclusive account is accessed. It is possible to determine the transfer process in the same manner by performing the above.

Further, in the above embodiment, the control unit of the host computer 10 is provided on condition that the input invoice number and the set invoice number match, and the transfer amount and the invoice amount or the total invoice amount match. The case of accepting the transfer has been described, but the control unit of the host computer 10 may accept the transfer on the condition that the input invoice number and the set invoice number match. Alternatively, the control unit of the host computer 10 may determine whether or not there is a bill number having a predetermined number of digits, and on the condition that the bill number is present, the control unit of the host computer 10 may accept the transfer.

In the above embodiment, the case where the transfer identification ID is the invoice number has been described. However, the present invention is not limited to this, and the transaction type number corresponding to the transaction content or transaction type or individual transaction The corresponding individual transaction number,
It is possible to set a payer number that specifies the payer or the transfer requester, a plurality of combinations of these numbers, or an appropriate item such as a symbol that specifies attributes related to the transfer. Further, the transfer specific ID such as the bill number set and stored in the storage unit can be appropriately added, changed, and deleted.

[0038]

[Effects of the Invention] By using the transfer processing determination system of the present invention, it is possible to eliminate or reduce as much as possible the transfer deposit itself whose transaction details are unknown on the recipient side, and confirm the contents of unknown deposits and refund of unknown deposits. The labor required to deal with unknown deposits, such as apportioning or offsetting unknown deposits to other transactions, is completely unnecessary or can be reduced as much as possible. The effect that it can reduce is produced. Further, since the unknown deposit itself can be eliminated, the deposit in the unknown state disappears during the settlement process, and the accounting process can be optimized.

Further, the payer side does not transfer the unknown deposit or reduces it as much as possible, and it becomes completely unnecessary to deal with the unknown deposit, and the same advantage as that of the payee can be obtained.

[Brief description of drawings]

FIG. 1 is a block diagram showing a hardware configuration for executing an embodiment of a transfer processing determination system of the present invention.

FIG. 2 is a flowchart showing a flow of determination of a transfer process according to the embodiment of the transfer process determination system of the present invention.

[Explanation of symbols]

10 Host computer 11 Transfer processing determination program storage area 12 Customer management file 121 Customer ID storage area 122 Holding Account Storage Area 13 Transfer specific ID storage area 14 Account management file 20 Transfer requester terminal 30 Transfer recipient terminal

Claims (7)

[Claims] 1. A computer of a financial institution or a network computer recognizes a transfer specific ID for an input transfer destination account on the basis of a processing request for specific transfer content, and for the input transfer specific ID and the transfer destination account. It is characterized by collating the set transfer specific ID and accepting processing of the input specific transfer content, at least on condition that the input transfer specific ID matches the set transfer specific ID. Transfer processing determination system. 2. The input transfer amount is recognized and is set corresponding to each of the invoiced amount set corresponding to the collated set transfer specific ID or each of the collated set transfer specific IDs. The sum of the invoiced amounts that have been added up and the transfer amount of money are collated, and at least the processing of the specific transfer content is accepted on the condition that the invoiced amount or the total invoiced amount and the transfer amount of money match. The transfer processing determination system according to claim 1. 3. A computer of a financial institution or a network computer determines whether or not there is a transfer specific ID for a transfer destination account to be input, based on a processing request for a specific transfer content, and confirms that at least the input transfer specific ID exists. A transfer processing determination system characterized by accepting processing of a specific transfer content input from the terminal as a condition. 4. The transfer processing determination system according to claim 1, 2 or 3, wherein the transfer specific ID is a transaction type ID corresponding to a transaction content. 5. The transfer processing determination system according to claim 1, 2 or 3, wherein the transfer specific ID is an invoice ID or an individual transaction ID. 6. The transfer processing determination system according to claim 1, wherein the transfer specific ID is a payer ID. 7. The transfer identification ID of the transfer received by the transfer processing determination system according to claim 1 is used, and a computer of a financial institution or a network computer has received or executed the transfer destination account. A transfer processing determination system, which stores a transfer specific ID of a transfer and transmits the transfer specific ID to a transfer destination terminal connected via a network.