JP2009020676A - Money payment/reception processing method and system to saving account - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a money payment/reception processing method for determining and automatically updating a payment limit sum from a saving account based on a money reception sum in predetermined money reception for the saving account. <P>SOLUTION: This money payment/reception processing system 200 is provided with an account information database in which account basic information is recorded including: information about the account number and account balance of every saving account and the presence/absence of the payment limit; and money payment/reception management information including information about the balance and money reception conditions about a plurality of parts acquired by logically dividing the saving account. A money reception request including money reception classification, money reception sum and an account number for designating the saving account of the money reception destination is received; the money payment processing for the specified saving account is executed to update account balance information; the presence/absence of the use of the payment limit is determined in the saving account; when it is determined that the use of the payment limit is present, money payment conditions corresponding to the money payment classification are extracted by inquiring the money payment/reception management information; the distribution sum of each of a plurality of parts is determined; and the balance of each of the plurality of parts is updated. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a deposit / withdrawal processing method and system for a deposit account, and more particularly, to a deposit / withdrawal processing method and system for determining and automatically updating a withdrawal limit from the deposit account based on deposit to the deposit account. .

  "Draw out" to cash part or all of the deposit from a deposit account opened at a financial institution or "transfer" to transfer money to another deposit account, "payment for payment of utility charges and credit card settlement from the deposit account" Is often used as a form of withdrawal from a deposit account. One deposit account is usually used by an account holder, but a service is also provided in which one deposit account is used by a plurality of people such as family members and employees.

  In a service in which a plurality of people use one deposit account, a card that can be withdrawn from the deposit account by an ATM (Automated Teller Machine) is distributed to each user. Furthermore, in such services, the account holder sets the withdrawal limit for each card or withdrawal limit for a specific period as a withdrawal condition using an ATM or the like, and this is set by the financial institution system. There are known methods for improving the security against theft and the convenience of using the account by storing it and using it for determining whether or not to withdraw from a deposit account (see, for example, Patent Documents 1 and 2).

Japanese Patent No. 3710094, paragraph 0041 Japanese Patent No. 3803322, paragraph 0031

  However, in the conventional system, even if the withdrawal request amount satisfies the withdrawal conditions such as the withdrawal limit, the withdrawal process is not executed if the balance of the deposit account does not satisfy the withdrawal request amount. Therefore, in order to set effective withdrawal conditions, the account holder needs to be aware of the balance of the account or the scheduled deposit amount when setting the withdrawal conditions.

  In addition, if there is a change in the balance of the account or the planned deposit amount, in the conventional system, the account holder resets the withdrawal conditions for each card using ATM etc. each time, and the withdrawal limit is set. It needs to be changed to be valid.

  The present invention has been made in view of such a problem, and the object of the present invention is to set a withdrawal limit from the deposit account based on the deposit amount in a predetermined deposit among deposits to the deposit account. It is an object of the present invention to provide a deposit / withdrawal processing method and system for determining and automatically updating data.

  In order to achieve such an object, the present invention provides account basic information including information on the account number for each deposit account, account balance, and whether or not there are withdrawal restrictions, and a plurality of logically divided deposit accounts. This can be implemented as a deposit / withdrawal processing method in a deposit / withdrawal processing system including an account information database that records deposit / withdrawal management information including information about balances and deposit conditions for the part. The method includes a step of receiving a deposit request including an account number specifying a deposit type, a deposit amount, and a deposit account of a deposit destination, querying the basic account information, and specified by an account number included in the deposit request. Executing the deposit process on the deposit account, updating the account balance information of the deposit account, querying the basic account information, and withdrawing restrictions on the deposit account specified by the account number included in the deposit request A step of determining whether or not the deposit is used, and inquiring the deposit / withdrawal management information when it is determined that the deposit account specified by the account number included in the deposit request has a withdrawal limit. A step of extracting a deposit condition corresponding to the deposit type included in the deposit request for the deposit account specified by the account number included in the deposit request; Comprising determining the distribution amount of each of the plurality of parts by using the extracted payment conditions, and updating the balance of each of the plurality of parts with a distribution amount of the determined.

  In addition, the present invention provides an account information database that records basic account information including information on account numbers and account balances for each deposit account, and deposits that include a deposit type, a deposit amount, and an account number that specifies a deposit account of the deposit destination. Means for receiving a request; means for referring to the basic account information, executing a deposit process for the deposit account specified by the account number included in the deposit request, and updating account balance information of the deposit account; It can be implemented as a deposit / withdrawal processing system provided. In the deposit / withdrawal processing system, the basic account information further includes information on whether or not there is a withdrawal limit, and the account information database has a balance and deposit conditions for a plurality of parts obtained by logically dividing the deposit account. The deposit / withdrawal management system further stores the deposit / withdrawal management information, and the deposit / withdrawal processing system inquires the basic account information and uses the withdrawal restriction in the deposit account specified by the account number included in the deposit / receipt request. When it is determined that there is a use of withdrawal restrictions in the deposit account specified by the account number included in the deposit request, by referring to the deposit management information, Means for extracting a deposit condition corresponding to the deposit type included in the deposit request for the deposit account specified by the account number included in the deposit request; Further comprising the means for determining the distribution amount of each of the plurality of parts with a deposit condition, and means for updating the balance of each of the plurality of parts with a distribution amount of the determined. The present invention can be implemented as a program.

  In one embodiment, the deposit / withdrawal management information further includes information on a balance condition that defines an upper limit of a balance for a plurality of parts, and a distribution amount for each part can be determined using the balance condition.

  Also, the deposit / withdrawal management information includes a plurality of balance conditions and information on the currently selected balance condition, and the distribution amount for each part can be determined using the currently selected balance condition.

  The deposit / withdrawal management information further includes information on withdrawal conditions for a plurality of parts, and in the deposit / withdrawal processing method and system, an account number for designating the withdrawal type, desired withdrawal amount and withdrawal account is specified. If the account balance of the deposit account specified by the account number included in the withdrawal request is greater than or equal to the desired withdrawal amount, the basic information on the account is inquired and withdrawal restrictions are used. Withdrawal conditions and multiple parts corresponding to the withdrawal type included in the withdrawal request by querying the deposit / withdrawal management information when it is determined that there is a withdrawal restriction. The amount of the desired withdrawal amount is determined for a plurality of parts in accordance with the extracted withdrawal conditions, and it is determined whether the desired withdrawal amount can be withdrawn. When it is determined that the balance of the part with the first rank is equal to or greater than the desired withdrawal amount, the withdrawal process from the part with the first rank is executed, and the part with the first rank It can also be configured to update the balance and deposit account balance.

  In addition, if it is determined that the balance of the part with the first rank is less than the desired withdrawal amount, the part with the second rank allows the withdrawal for the withdrawal type included in the withdrawal request. If the withdrawal is permitted, the withdrawal process from each of the parts ranked first and second is executed, and the balance and deposit account balance of each part are updated. It can be constituted as follows.

  As described above, according to the deposit / withdrawal processing method and system of the present invention, the deposit amount limit from the deposit account is determined and automatically updated based on the deposit to the deposit account. Therefore, the need for the account holder to be aware of the balance of the account or the expected deposit amount is reduced. In addition, even if there is a change in the balance of the account or the planned deposit amount, a predetermined rule is applied to the predetermined deposit, and the withdrawal amount from the deposit account is determined and automatically updated. This reduces the burden of the account holder re-setting the withdrawal limit. Furthermore, according to the present invention, since it is automatically updated to an effective withdrawal condition, convenience for the user is improved.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In this embodiment, deposits and withdrawals are managed by logically dividing the deposit account into two parts. Further, the deposit to the deposit account is distributed to each part by applying predetermined rules to the deposit type and deposit amount in the deposit. Furthermore, with respect to withdrawal from the deposit account, a part to be withdrawn is determined based on the deposit type, and whether to withdraw is determined based on the balance of the determined part.

  In the present embodiment, the two parts are referred to as the first part and the second part, respectively, and it is assumed that the withdrawal conditions are set in advance so that withdrawal by ATM or Internet banking is permitted only from the second part. To do. Therefore, the second part is also called a withdrawal part. However, this does not mean that the first part is dedicated to deposit. That is, as will be described in detail below, the withdrawal condition can be set so that the first part is determined as the subject of withdrawal according to the withdrawal type and the withdrawal amount.

  FIG. 1 is a diagram showing an overview of a deposit / withdrawal processing system according to an embodiment of the present invention. A deposit account management system 200 installed in a financial institution is connected to the customer terminal 100 via a communication network 300.

  The customer terminal 100 is a terminal that is operated when a customer deposits / withdraws an account opened in a financial institution, inquires about a balance, or sets / changes deposit / withdrawal management information. For example, an ATM, a personal computer (PC), mobile phone terminal and the like. The communication network 300 can be a private network or a public network such as the Internet.

  FIG. 2 is a block diagram showing a deposit account management system according to an embodiment of the present invention. The deposit account management system 200 includes a CPU 202, a memory 204, an input device 206, an output device 208, a communication interface (IF) 210, and an account information database 212 that are connected to each other via a bus 214.

  The input device 206 is an input device such as a keyboard, a mouse, and a scanner, and the output device 208 is an output device such as a display and a printer. These devices can input, edit, delete, output, and display deposit / withdrawal management information (FIG. 3B) stored in association with the account in the basic account information (FIG. 3A). .

  The communication IF 210 functions as a communication unit for the deposit account management system 200 to communicate with the customer terminal 100 and other devices and transmit / receive a deposit request, a withdrawal request, a balance inquiry request, a setting change request, and the like.

  The account information database 212 stores the basic account information illustrated in FIG. 3 (a) and the deposit / withdrawal management information illustrated in FIG. 3 (b). It functions as a means for responding and a means for updating information.

  The CPU 202 functions as means for inquiring various information to the account information database 212 in response to the received deposit / withdrawal request or balance inquiry request, or as means for instructing update of various information.

  Further, the CPU 202 functions as means for determining a distribution amount to be distributed to each part by applying predetermined rules to the deposit type and deposit amount included in the deposit request. The CPU 202 functions as means for determining a part to be withdrawn based on the withdrawal type included in the withdrawal request, and further, the desired withdrawal amount included in the withdrawal request based on the determined balance of the part. It functions as a means for determining whether or not to withdraw money.

  Furthermore, the CPU 202 functions as means for determining an instruction to the customer terminal 100 or the Internet banking system according to various inquiry results and instructing the communication IF 210 to transmit the instruction.

  The memory 204 functions as means for temporarily storing the inquiry result of the account information database 212 related to the received deposit request or balance inquiry request. Further, the memory 204 functions as means for storing the contents of error messages.

  FIG. 3 is a diagram showing an example of an account information database provided in the deposit account management system according to the embodiment of the present invention. FIG. 3A shows basic account information. The basic account information is configured to record information on account number, account name, password, balance, and whether or not there is a withdrawal limit in a record for each account and associate them with each other.

  The password 1 is used for authentication at the time of transaction by ATM. The password 2 is generally referred to as a second password, and is used for authentication at the time of transactions by Internet banking or mobile banking. In this embodiment, these passwords are used when setting or changing the deposit / withdrawal management information.

  The balance indicates the current balance in the deposit account. The account basic information can include a history of deposits and withdrawals with respect to the account.

  The presence / absence of withdrawal restrictions can be flag information for identifying the presence / absence of withdrawal restrictions using the withdrawal management method according to the present invention, which is one of the usage statuses of services provided by financial institutions.

  FIG. 3B shows the deposit / withdrawal management information. Deposit / withdrawal management information is created for each account that uses withdrawal restrictions, and balance information, balance conditions for the first part and the second (withdrawal) part, where one account is logically divided into two, Includes deposit and withdrawal conditions. The deposit / withdrawal management information can be configured to be set and changed from a PC or a mobile phone terminal via an Internet banking system or a mobile banking system. Thereby, deposit / withdrawal management information can be changed, and convenience can be improved.

  In FIG. 3B, the balance indicates the current balance of each part, and the sum of these is the account balance. The balance conditions 1 to 4 define the upper limit of the current balance of each part. That is, when there is a deposit to the deposit account, if the balance after adding the determined distribution amount exceeds the upper limit of the balance set in the balance condition, the excess is distributed to other parts.

  For example, the balance condition 1 stipulates that the balance of the withdrawal part does not exceed 100,000 yen. Balance condition 2 stipulates that there is no balance upper limit in the first part and the withdrawal part. Balance condition 3 specifies that the balance of the withdrawal part is 0 yen, that is, the balance of the deposit account is equal to the balance of the first part, and withdrawal from the withdrawal part is permitted. Even if there is a withdrawal request for a particular withdrawal type, the withdrawal is refused regardless of the desired withdrawal amount. In contrast to balance condition 3, balance condition 4 corresponds to a withdrawal request for a withdrawal type that is set so that the balance of the account is equal to the balance of the withdrawal part and withdrawal from the withdrawal part is permitted. On the other hand, it stipulates that withdrawal is permitted if the desired withdrawal amount is less than the balance of the withdrawal part.

  A plurality of these balance conditions can be set in an arbitrary combination, and one can be selected and switched as described later with reference to FIG. FIG. 3B shows an example of a state where the balance condition 1 is set as the current balance condition.

  The payment conditions stipulate rules for determining the distribution amount for each payment type. For example, when the deposit type is salary, 80% of the deposit amount is distributed to the first part and the remaining 20% is distributed to the withdrawal part. However, the balance condition described above is further considered in determining the distribution amount.

  FIG. 4 is a diagram showing an outline at the time of depositing an account managed by the deposit account management method and system according to the embodiment of the present invention. FIG. 4A is a diagram showing a state before depositing into an account. FIG. 4B is a diagram showing a state after a salary of 500,000 yen has been deposited with the balance condition 1 selected. According to the deposit conditions, 100,000 yen, which is 20% of the salary, will be distributed to the withdrawal part. However, when the entire 20% of the salary is distributed to the withdrawal part, the upper limit of the balance of the withdrawal part defined in the balance condition 1 is exceeded. Therefore, in this case, only 50,000 yen is distributed to the withdrawal part, and the remaining 450,000 yen is distributed to the first part.

  FIG. 4 (c) is a diagram showing a state after the salary is paid 500,000 yen with the balance condition 2 selected. Under balance condition 2, there is no upper limit on the balance of the first part and the withdrawal part, so according to the depositing conditions, 20% of the salary is 100,000 yen distributed to the withdrawal part and 80% is 400,000 yen Are distributed to the first part.

  Reference is again made to FIG. The withdrawal condition stipulates a rule for determining a part to be withdrawn for each withdrawal type. In the example of Fig. 3 (b), regarding the withdrawal (withdrawal) of electricity, gas, water, and mortgage, the first part is preferentially withdrawn, and the balance of the first part is insufficient It also stipulates that the second part is also subject to withdrawal. In addition, with regard to the withdrawal (withdrawal) of mobile phone charges and credit card charges, the second part will be preferentially withdrawn, and if the balance of the second part is insufficient, the first part will also be withdrawn. It stipulates that it is eligible. In addition, with regard to withdrawals and transfers by ATM and transfers by Internet banking, the second part should be subject to withdrawal with priority, and even if the balance of the second part is insufficient, the first part shall not be subject to withdrawal. It prescribes. In addition, with regard to withdrawals and transfers at financial institutions, the first part is subject to withdrawal as with the withdrawal (withdrawal) of electricity, gas, water and mortgages, and the second part is also withdrawn. It stipulates that it is eligible for gold.

  FIG. 5 is a diagram showing an outline at the time of withdrawal of an account managed by the deposit account management method and system according to the embodiment of the present invention. FIG. 5A is a diagram showing a state before withdrawal from the account. FIG.5 (b) is a figure which shows the state after 30,000 yen is withdrawn from ATM. According to the withdrawal conditions, 30,000 yen is withdrawn from the second (withdrawal) part.

  FIG.5 (c) is a figure which shows the state after the price of the credit card 80,000 yen is withdrawn. According to the withdrawal conditions, 50,000 yen is withdrawn preferentially from the second part, and the shortage of 30,000 yen is withdrawn from the first part.

  FIG. 6 is a diagram showing an outline of changing the balance condition of each part in an account managed by the deposit account management method and system according to the embodiment of the present invention.

  6A is a diagram showing the state of each part when the balance condition 1 (the state shown in FIGS. 4A and 5A) is switched to the balance condition 3. FIG. According to the balance condition 3, the balance of the withdrawal part is 0 yen, and the balance of the deposit account is equal to the balance of the first part.

  In such a state, for example, even if there is a withdrawal request for a withdrawal type that is set so that withdrawals from the withdrawal part are permitted, such as withdrawal or transfer by ATM, the withdrawal amount depends on the desired withdrawal amount. The withdrawal is always rejected. Therefore, when there is a period when ATM or Internet banking is not used, the balance condition 3 can be selected and set to improve security against unauthorized withdrawals using ATM or Internet banking by a third party. it can.

  FIG. 6B is a diagram illustrating the state of each part when the balance condition 1 is changed to the balance condition 4. According to the balance condition 4, the balance of the first part is 0, and the balance of the deposit account is equal to the balance of the second part. With this, it is possible to withdraw to the balance of the deposit account by ATM or Internet banking, and to provide a deposit account management system that can flexibly respond to the need for unscheduled withdrawal Can do.

  FIG. 7 is a diagram showing an overview of balance inquiry of an account managed by the deposit account management method and system according to the embodiment of the present invention. FIG. 7 shows an example of balance inquiry by ATM. In addition to the balance of the deposit account, the balance of the second (withdrawal) part to be withdrawn by ATM is displayed.

  FIG. 8 is a diagram showing a flow of deposit processing by the deposit account management system according to the embodiment of the present invention.

  The deposit account management system 200 receives a deposit request including the deposit type and deposit amount from the customer terminal 100 or another financial institution (S102). The deposit request includes an account number that designates a deposit account at the deposit destination.

  The deposit account management system 200 refers to the account basic information, executes a deposit process for the deposit account specified by the account number (S104), and updates the account balance information of the account basic information (S106). When the deposit / withdrawal history is included in the basic account information, it is also updated.

  Next, the deposit account management system 200 refers to the account basic information to determine whether or not the withdrawal limitation is used in the deposit account specified by the account number (S108). If there is no use of withdrawal restrictions, the process is terminated.

  If there is a withdrawal restriction, the depositing condition corresponding to the deposit type of the deposit account specified by the account number is extracted by referring to the deposit / withdrawal management information (S110). At this time, the balance condition currently set is also extracted.

  Next, the deposit account management system 200 calculates and determines a distribution amount to each part using the extracted deposit condition and balance condition (S112), and uses the determined distribution amount for each part of the deposit / withdrawal management information. The balance is updated (S114), and the process ends.

  FIG. 9 is a diagram showing a flow of a withdrawal process by the deposit account management system according to the embodiment of the present invention.

  The deposit account management system 200 receives a withdrawal request including a withdrawal type (transfer / withdrawal) and a desired withdrawal amount (transfer / withdrawal amount) from the customer terminal 100 or another financial institution (S202). In the case of direct debits such as utility bills, payments including the withdrawal type (utility type) and desired withdrawal amount (transfer amount) created by computer processing based on the account transfer request data received from the storage company, etc. Receive a money request from the computer. The withdrawal request also includes an account number that identifies the deposit account of the withdrawal source.

  The deposit account management system 200 extracts the account balance of the deposit account specified by the account number by referring to the account basic information, and determines whether the account balance is equal to or greater than the desired withdrawal amount (S204). If the account balance is less than the desired withdrawal amount, error processing is executed (S222), and the processing is terminated.

  If the account balance is equal to or greater than the desired withdrawal amount, it is determined whether or not withdrawal restrictions are used in the deposit account specified by the account number by referring to the basic account information (S206). If there is no use of the withdrawal limit, the withdrawal process is executed (S218), the account balance information is updated (S220), and the process ends.

  If the withdrawal restriction is used, the withdrawal condition corresponding to the withdrawal type of the deposit account specified by the account number is extracted by referring to the deposit / withdrawal management information (S208). At this time, the balance of each part is also extracted.

  Next, the deposit account management system 200 preferentially determines a part to be withdrawn (order of withdrawal in each part) and determines whether the balance of the part (priority part) is equal to or greater than the desired withdrawal amount. (S210). If the balance of the priority part is equal to or greater than the desired withdrawal amount, the withdrawal process is executed (S214), the balance of the priority part of the deposit / withdrawal management information is updated (S216), and the account balance information of the account basic information is updated. (S220), and the process ends.

  If the balance of the priority part is less than the desired withdrawal amount, it is determined whether withdrawal from the non-priority part for the withdrawal type is permitted. If withdrawal from the non-priority part for the withdrawal type is not permitted, error processing is executed (S222), and the processing is terminated.

  If withdrawal from the non-priority part for the withdrawal type is permitted, the withdrawal process is executed (S214), the balance of each part of the deposit / withdrawal management information is updated (S216), and the basic account information The account balance information is updated (S220), and the process ends. When withdrawal from the non-priority part is permitted, it is not determined whether the balance of the non-priority part is equal to or more than the shortage of the balance of the priority part with respect to the desired withdrawal amount. This is because the deposit account is separated into two parts, and in this embodiment, the deposit account management system 200 compares the account balance with the desired withdrawal amount in step 204 after receiving the withdrawal request. If the deposit account is separated into three or more parts, it is necessary to determine whether the total of the balances of multiple parts that can be withdrawn is greater than or equal to the desired withdrawal amount before executing the withdrawal process in step 214 There is.

  As described above, according to the present invention, there is provided a method and system for determining and automatically updating a withdrawal amount limit from a deposit account based on a predetermined deposit amount among deposits to a deposit account. can do.

It is a figure which shows the outline | summary of the deposit account management system concerning one Embodiment of this invention. It is a block diagram which shows the deposit account management system concerning one Embodiment of this invention. It is a figure which shows an example of the account information database with which the deposit account management system concerning one Embodiment of this invention is provided, (a) is account basic information, (b) is a figure which shows deposit / withdrawal management information. It is a figure which shows the outline | summary at the time of money_receiving | payment of the account managed with the deposit account management method and system concerning one Embodiment of this invention, (a) is a state before depositing into an account, (b) and (c ) Is a diagram showing a state after the deposit. It is a figure which shows the outline | summary at the time of withdrawal of the account managed with the deposit account management method and system concerning one Embodiment of this invention, (a) is the state before withdrawing from an account, (b) and (C) is a figure which shows the state after withdrawing. (A) and (b) are the outlines when the balance conditions of each part set in the account managed by the deposit account management method and system according to one embodiment of the present invention are changed to different balance conditions, respectively. FIG. It is a figure which shows the outline | summary of the balance inquiry of the account managed with the deposit account management method and system concerning one Embodiment of this invention. It is a figure which shows the flow of the money_receiving | payment process by the deposit account management system concerning one Embodiment of this invention. It is a figure which shows the flow of the payment processing by the deposit account management system concerning one Embodiment of this invention.

Explanation of symbols

100 Customer terminal 200 Deposit account management system 202 CPU
204 Memory 206 Input Device 208 Output Device 210 Communication Interface 212 Account Information Database

Claims (15)

Account basic information including information on account number, account balance and withdrawal restrictions for each deposit account, and deposit and withdrawal including information on balance and deposit conditions for a plurality of parts obtained by logically dividing the deposit account A deposit / withdrawal processing method in a deposit / withdrawal processing system having an account information database recording management information,
Receiving a deposit request that includes a deposit type, deposit amount and an account number specifying a deposit account of the depositee;
Inquiring the account basic information, executing a deposit process for the deposit account specified by the account number included in the deposit request, and updating the account balance information of the deposit account;
Querying the basic account information and determining whether or not to use withdrawal restrictions in a deposit account identified by an account number included in the deposit request;
The account included in the deposit request by referring to the deposit / withdrawal management information when it is determined that the deposit account specified by the account number included in the deposit request has withdrawal restrictions. Extracting a deposit condition corresponding to a deposit type included in the deposit request for the deposit account specified by the number;
Determining a distribution amount for each of the plurality of parts using the extracted payment condition;
And a step of updating the balance for each of the plurality of parts using the determined distribution amount. The deposit / withdrawal management information further includes information on a balance condition that defines an upper limit of a balance for the plurality of parts,
The deposit / withdrawal processing method according to claim 1, wherein the step of determining a distribution amount for each of the plurality of parts further determines the distribution amount using the balance condition. The deposit / withdrawal management information includes a plurality of the balance conditions, and information on the currently selected balance conditions,
3. The deposit / withdrawal processing method according to claim 2, wherein the step of determining a distribution amount for each of the plurality of parts determines the distribution amount using the currently selected balance condition. The deposit / withdrawal management information further includes information on withdrawal conditions for the plurality of parts,
The deposit / withdrawal processing method is:
Receiving a withdrawal request that includes a withdrawal type, a desired withdrawal amount, and an account number that specifies a deposit account of the withdrawal source;
Query the basic account information, extract the account balance of the deposit account specified by the account number included in the withdrawal request, and the account balance is equal to or greater than the desired withdrawal amount included in the withdrawal request Determining whether or not
When it is determined that the account balance is equal to or greater than the desired withdrawal amount, the basic account information is inquired, and the use of withdrawal restrictions is performed in the deposit account specified by the account number included in the withdrawal request. Determining presence or absence;
When it is determined that the withdrawal account is used in the deposit account specified by the account number included in the withdrawal request, it is included in the withdrawal request by referring to the deposit management information. Extracting the withdrawal condition corresponding to the withdrawal type included in the withdrawal request and the balance for each of the plurality of parts for the deposit account specified by the account number
In accordance with the extracted withdrawal conditions, the order of withdrawal of the desired withdrawal amount is determined for the plurality of parts, and it is determined whether or not the balance of the part whose ranking is the first is equal to or greater than the desired withdrawal amount. And steps to
When it is determined that the balance of the part with the first rank is equal to or greater than the desired withdrawal amount, a step of executing a withdrawal process from the part with the first rank;
4. The method further comprises a step of updating a balance of a part having the first rank and a deposit account balance specified by an account number included in the withdrawal request. 5. The deposit / withdrawal processing method described. When it is determined that the balance of the part with the first rank is less than the desired withdrawal amount, the part with the second rank is withdrawn for the withdrawal type included in the withdrawal request. Determining whether or not is permitted,
When it is determined that the withdrawal for the withdrawal type included in the withdrawal request from the part whose rank is second is permitted, each part whose rank is first and second Executing a withdrawal process from
5. The method further comprises: updating a balance of each part having the first and second ranks and a deposit account balance specified by an account number included in the withdrawal request. The deposit / withdrawal processing method described. An account information database that records basic account information including information on account numbers and account balances for each deposit account, and means for receiving a deposit request including an account number that specifies the deposit type, deposit amount, and deposit account of the deposit destination, and A deposit / withdrawal processing system comprising: means for inquiring the account basic information, executing deposit processing for the deposit account specified by the account number included in the deposit request, and updating account balance information of the deposit account Because
The basic account information further includes information on whether or not there are withdrawal restrictions,
The account information database further stores deposit / withdrawal management information including information on balances and deposit conditions for a plurality of parts logically dividing the deposit account;
The deposit / withdrawal processing system includes:
Means for referring to the account basic information and determining whether or not the withdrawal account is used in the deposit account specified by the account number included in the deposit request;
The account included in the deposit request by referring to the deposit / withdrawal management information when it is determined that the deposit account specified by the account number included in the deposit request has withdrawal restrictions. Means for extracting a deposit condition corresponding to the deposit type included in the deposit request for the deposit account specified by the number;
Means for determining a distribution amount for each of the plurality of parts using the extracted payment condition;
The deposit / withdrawal processing system further comprising means for updating the balance for each of the plurality of parts using the determined distribution amount. The deposit / withdrawal management information further includes information on a balance condition that defines an upper limit of a balance for the plurality of parts,
The deposit / withdrawal processing system according to claim 6, wherein the means for determining a distribution amount for each of the plurality of parts further determines the distribution amount using the balance condition. The deposit / withdrawal management information includes a plurality of the balance conditions, and information on the currently selected balance conditions,
8. The deposit / withdrawal processing system according to claim 7, wherein the means for determining a distribution amount for each of the plurality of parts determines the distribution amount using the currently selected balance condition. The deposit / withdrawal management information further includes information on withdrawal conditions for the plurality of parts,
The deposit / withdrawal processing system includes:
Means for receiving a withdrawal request including a withdrawal type, a desired withdrawal amount and an account number specifying a deposit account of the withdrawal source;
Query the basic account information, extract the account balance of the deposit account specified by the account number included in the withdrawal request, and the account balance is equal to or greater than the desired withdrawal amount included in the withdrawal request Means for determining whether or not
When it is determined that the account balance is equal to or greater than the desired withdrawal amount, the basic account information is inquired, and the use of withdrawal restrictions is performed in the deposit account specified by the account number included in the withdrawal request. Means for determining presence or absence;
When it is determined that the withdrawal account is used in the deposit account specified by the account number included in the withdrawal request, it is included in the withdrawal request by referring to the deposit management information. Means for extracting a withdrawal condition corresponding to a withdrawal type included in the withdrawal request and a balance for each of the plurality of parts for the deposit account specified by the account number
In accordance with the extracted withdrawal conditions, the order of withdrawal of the desired withdrawal amount is determined for the plurality of parts, and it is determined whether or not the balance of the part whose ranking is the first is equal to or greater than the desired withdrawal amount. Means to
Means for executing a withdrawal process from the part having the first rank when it is determined that the balance of the part having the first rank is equal to or greater than the desired withdrawal amount;
9. The means for updating a balance of a part having the first rank and a deposit account balance specified by an account number included in the withdrawal request. The deposit / withdrawal processing system described. When it is determined that the balance of the part with the first rank is less than the desired withdrawal amount, the part with the second rank is withdrawn for the withdrawal type included in the withdrawal request. Means for determining whether or not
When it is determined that the withdrawal for the withdrawal type included in the withdrawal request from the part whose rank is second is permitted, each part whose rank is first and second Means for performing a withdrawal process from
10. A means for updating a balance of each part having the first and second ranks and a deposit account balance specified by an account number included in the withdrawal request. The deposit / withdrawal processing system described in 1. Account basic information including information on account number, account balance and withdrawal restrictions for each deposit account, and deposit and withdrawal including information on balance and deposit conditions for a plurality of parts obtained by logically dividing the deposit account In a computer with an account information database that records management information,
A means of receiving a deposit request containing the deposit type, deposit amount and account number specifying the deposit account of the depositee;
Means for inquiring the basic account information, executing a deposit process for the deposit account specified by the account number included in the deposit request, and updating the account balance information of the deposit account;
Means for inquiring about the basic account information and determining whether or not to use withdrawal restrictions in the deposit account specified by the account number included in the deposit request;
The account included in the deposit request by referring to the deposit / withdrawal management information when it is determined that the deposit account specified by the account number included in the deposit request has withdrawal restrictions. Means for extracting the deposit condition corresponding to the deposit type included in the deposit request for the deposit account specified by the number;
A program for functioning as means for determining a distribution amount for each of the plurality of parts using the extracted depositing condition, and means for updating a balance for each of the plurality of parts using the determined distribution amount. The deposit / withdrawal management information further includes information on a balance condition that defines an upper limit of a balance for the plurality of parts,
12. The program according to claim 11, wherein the means for determining a distribution amount for each of the plurality of parts further determines the distribution amount using the balance condition. The deposit / withdrawal management information includes a plurality of the balance conditions, and information about the currently selected balance conditions,
The program according to claim 12, wherein the means for determining a distribution amount for each of the plurality of parts determines the distribution amount using the balance condition currently selected. The deposit / withdrawal management information further includes information on withdrawal conditions for the plurality of parts,
Means for receiving a withdrawal request including an account number for designating a withdrawal type, a desired withdrawal amount and a deposit account of a withdrawal source to the computer;
Query the basic account information, extract the account balance of the deposit account specified by the account number included in the withdrawal request, and the account balance is equal to or greater than the desired withdrawal amount included in the withdrawal request Means for determining,
When it is determined that the account balance is equal to or greater than the desired withdrawal amount, the basic account information is inquired, and the use of withdrawal restrictions is performed in the deposit account specified by the account number included in the withdrawal request. Means for determining presence or absence;
When it is determined that the withdrawal account is used in the deposit account specified by the account number included in the withdrawal request, it is included in the withdrawal request by referring to the deposit management information. Means for extracting a withdrawal condition corresponding to a withdrawal type included in the withdrawal request and a balance for each of the plurality of parts for the deposit account specified by the account number
In accordance with the extracted withdrawal conditions, the order of withdrawal of the desired withdrawal amount is determined for the plurality of parts, and it is determined whether or not the balance of the part whose ranking is the first is equal to or greater than the desired withdrawal amount. Means to
Means for executing a withdrawal process from a part with the first rank when it is determined that the balance of the part with the first rank is equal to or greater than the desired withdrawal amount; The program according to any one of claims 11 to 13, further functioning as means for updating a deposit account balance specified by a balance of a part that is a higher order and an account number included in the withdrawal request. When the program determines that the balance of the part ranked first is less than the desired withdrawal amount, the program requests that the part ranked second is included in the withdrawal request. Means for determining whether or not withdrawal is permitted for each withdrawal type,
When it is determined that the withdrawal for the withdrawal type included in the withdrawal request from the part whose rank is second is permitted, each part whose rank is first and second Means for executing a withdrawal process from a bank, and means for updating a balance of each part whose rank is first and second and a deposit account balance specified by an account number included in the withdrawal request The program according to claim 14, further causing the program to function.

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