JP2003281458A - Method, system, and program for integrally managing a plurality of accounts - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To integrally manage balances at and payment from a plurality of accounts which a consumer has. <P>SOLUTION: A server 1 for integrally managing a plurality of accounts accepts a report service request for an integrated balance at a plurality of accounts from a consumer terminal 2 and collects account information of a user of the consumer terminal through the Internet from bank hosts of all the banks which are registered in an assets ledger 13 in correspondence with the user of the consumer terminal and integrates collected account information of all the banks in time series by receipt, payment, and balance and displays an integration result on the consumer terminal. The server 1 monitors payment from accounts of the user of the consumer terminal. When the balance at an account before payment is not enough, the server collects account information of the user from the bank hosts of all the banks, and transfer to the account from which money should be paid is requested to the bank host of a bank with which the user has an account in the case that transfer from this account is possible. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a multi-account integrated management method, a multi-account integrated management method, and a multi-account integrated management program, and in particular, it integrates a plurality of accounts to manage the flow of funds, grasp total assets, and balance of debit accounts. The present invention relates to a multi-account integrated management method, a multi-account integrated management method, and a multi-account integrated management program capable of automatic transfer when a shortage occurs.

[0002]

2. Description of the Related Art Conventionally, a consumer has an account at each of a plurality of financial institutions and pays money such as salaries and remuneration, deducts utility bills such as electric and gas water, debits credits, deducts securities insurance, etc. It is usual to manage by dividing or combining. If the number of accounts is small, there is no problem, but if the number of accounts increases, it becomes difficult to comprehensively grasp the flow of money, and in some cases the management becomes unsatisfactory, causing various problems.

[0003]

As described above, since the conventional method of managing a plurality of accounts is entrusted to consumers themselves, it becomes difficult to comprehensively grasp the flow of money when the number of accounts increases. Not only that, but in some cases the management becomes poor, the balance of the withdrawal account is insufficient and it is blacklisted, and because we do not know the total assets, we miss the opportunity of advantageous management. There was such a problem.

[0004]

A first invention of the present application is, in a method of integrated management of multiple accounts, a multiple account integrated management server, a consumer terminal connected to at least the multiple account integrated management server via a line, and a bank. With a host in advance,
The multi-account integrated management server receives the multi-account integrated balance notification service request from the consumer terminal, and the banks of all the transaction banks registered for the user of the consumer terminal in a prepared asset ledger. Obtains the user's account information from the host via the line, integrates the obtained account information of all the transaction banks in time series for each deposit, withdrawal, and balance, and the integrated result to the consumer terminal. It is characterized by displaying.

A second invention of the present application is, in a multi-account integrated management method, preliminarily provided with a multi-account integrated management server, a consumer terminal connected to at least the multi-account integrated management server through a line, and a bank host. , The multi-account integrated management server monitors the withdrawal from the user's account of the consumer terminal, and when the balance of the account before the withdrawal is insufficient, all the accounts registered in advance for the user correspondence are If the account information of the user is obtained from the bank host of the house bank via the line, and there is a transferable account from the acquired bank account information of all the house banks to the account to be withdrawn, the transfer It is characterized in that the bank host of a possible account is requested to transfer to the account to be withdrawn.

A third aspect of the present invention is the multi-account integrated management server according to the second aspect, in which there is no transferable account from the account information of all the transaction banks that have been ordered to the account to be deducted. , A request is made to transfer a loan to the account to be withdrawn to a consumer financial center which is connected in advance through the line.

A fourth invention of the present application is, in a multi-account integrated management system, a consumer terminal, a bank host, and a multi-account integrated balance notification service request from the consumer terminal. Request the account information of the user via the line from the bank host of all the transaction banks registered for the user of the consumer terminal, and deposit and withdraw the account information of all the transaction banks that have been ordered. And a plurality of account integration management servers for integrating the respective balances in time series and displaying the integration result on the consumer terminal.

[0008] A fifth invention of the present application is, in a multi-account integrated management system, monitoring a withdrawal from an account of a consumer terminal, a bank host, and a user of the consumer terminal, and checking the balance of the account before the withdrawal. If there is a shortage, request the account information of the user via the line from the bank host of all the transaction banks registered in advance for the user, and obtain the account information of all the transaction banks that have been ordered. If there is an account that can be transferred to the account to be debited, it is configured to include the multiple-account integrated management server that requests the bank host of the account to be transferred to the account to be debited. Characterize.

In a sixth aspect of the present invention, the multi-account integrated management server of the fifth aspect of the invention does not have a transferable account from the account information of all the transaction banks that have been ordered to the account to be withdrawn. , A request is made to transfer a loan to the account to be withdrawn to a consumer financial center which is connected in advance through the line.

A seventh invention of the present application is a multi-account integrated management program, which receives a multi-account integrated balance notification service request from a prepared consumer terminal.
When the request for the service for notifying the balance of a plurality of account balances is received in the step 1, the step 2 to check all the transaction banks registered for the user of the consumer terminal in the asset register prepared in advance, and the step 2 Step 3 of obtaining the user's account information from the bank hosts of all the transaction banks checked in step 3 through a line, and depositing, withdrawing, and depositing the account information of all the transaction banks obtained in step 3 Step 4 of integrating each balance in time series and displaying the integrated result on the consumer terminal.

An eighth invention of the present application is a multi-account integrated management program, which comprises a step 5 of monitoring withdrawal from a user account of a consumer terminal prepared in advance, and a balance of the account before the withdrawal. If you are missing
Step 6 of obtaining the user's account information via a line from the bank hosts of all the transaction banks registered in advance for the user, and the withdrawal from the account information of all the transaction banks obtained in the step 6. Step 7 of checking whether there is a transferable account to the target account, and if there is a transferable account in step 7, the transferable account is transferred to the bank host of the transfer target account. And a step 8 of requesting a transfer.

In a ninth aspect of the present invention, if there is no transferable account in the step 7 of the eighth aspect, the consumer financial center previously connected via the line to the account to be withdrawn. Step 9 for requesting loan transfer
It is characterized by having.

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION Next, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a system configuration diagram showing an embodiment of the present invention. As can be seen from FIG. 1, the multi-account integrated management method of the present invention includes a multi-account integrated management server 1 for providing a multi-account integrated management service and a consumer terminal 2.
A bank host 3, a bank B host 4, an X bank host 5, which are a plurality of bank hosts with which the consumer has an account, a credit company 6 used by the consumer, and a consumer financial center 7, and these. Internet networks 8 to 11 connecting the

The outline of the operation of the system is as follows.

1. The consumer connects to the multiple account integrated management server 1 from the consumer terminal 2 via the Internet network 8.

2. ID registered on the terminal owned by the consumer
Enter your number and password to log in.

3. The multi-account integrated management server 1 confirms the information logged in by the consumer.

4. If the information is correct, take action based on consumer demand.

5. If the consumer's request is to present an integrated statement of a plurality of accounts, the multiple account integrated management server 1 checks the bank account opened by the consumer from the asset ledger 13,
The deposit / withdrawal information of the account is acquired via the Internet. When there are a plurality of accounts, the deposit / withdrawal history is integrated in time series, and the integrated deposit / withdrawal history and the integrated balance are presented to the consumer.

6. Furthermore, the multi-account integrated management server 1
Based on the asset ledger 13, we regularly monitor the withdrawal of utility charges for each consumer and the withdrawal from the credit company with which the consumer has a contract, and if the withdrawal is not possible and there is no payment by the due date, Automatically transfer from an account with a surplus, and if there is no account with a surplus, automatically request a financing from the Consumer Finance Center and transfer to a debit account.

Next, the operation of the embodiment of the present invention will be described in detail with reference to the drawings.

First, an embodiment of the multiple account integrated balance notification service of the first invention of the present application will be described below.

FIG. 2 shows an example of an account opened by a consumer. In this case, bank A has an A account and bank B has a B account. It is shown.

That is, as of February 12, the account A has February 1
The balance is 450,000 yen due to credit debit on 0th day, and the balance is 950,000 yen on account B due to deduction of insurance on 12th February.

In this situation, it is assumed that the consumer requests the multiple account integration management server for the multiple account integration notification service.

FIG. 3 is an operation flow chart showing an embodiment of the plural account integrated balance notification service of the first invention of the present application,
FIG. 4 is a diagram showing an example of an integrated statement to be notified, FIG.
Is the user I in the asset ledger 13 of the multi-account integrated management server.
This is a registration item held in advance for each D.・ Step 1: Log in by entering the ID number and password registered on the terminal owned by the consumer. Step 2: If the login is OK based on the ID ledger 12, the bank account opened by the consumer is checked from the asset ledger 13. Step 3; request all banks opened by the consumer via the Internet to obtain the deposit / withdrawal information of the account. Step 4: The requested bank uploads the account contents to the multi-account integrated management server. Step 5: The multi-account integrated management server saves the account contents from the bank in the asset ledger 13. -Step 6: If there are multiple accounts, integrate the deposit and withdrawal history of them. Step 7: Display the consolidated statement to the consumer.

As shown in FIG. 4, the A account and the B account are integrated and displayed in a time series, and the balance is a total value. Consumers can easily understand the deposit / withdrawal status of all accounts and total asset status in chronological order simply by looking at this.

Next, an embodiment of the automatic transfer between accounts and the automatic consumer financing service of the second invention of the present application will be described below.

FIGS. 6 and 7 are operation flow charts showing an embodiment of the automatic transfer between accounts and the automatic consumer financing service of the second invention of the present application.

In this embodiment, credit withdrawal is described as an example, but the same applies to withdrawal of public utility charges and insurance. Step 11: The multiple account integrated management server 1 periodically (for example, 20 times a month) for each consumer based on the asset ledger 13.
Check if there is a credit company with which the consumer has a contract. Step 12: If there is a credit company with which the consumer has a contract, notify the company of the ID number and request when, from which account and how much to withdraw. Step 13: The credit company 6 uses the ID number
The multi-account integrated management server 1 is notified of the withdrawal account, withdrawal amount, and withdrawal time. Step 14: The multi-account integrated management server 1 confirms whether the target ward seat can be withdrawn. Step 15: If payment is not possible, send a payment reminder e-mail to the consumer terminal 2. Step 16: Monitor arrival of withdrawal.・ Step 17: At the time of withdrawal, confirm whether the deposit has been made to the relevant account. (Obtain and check the deposit / withdrawal information of the account from the bank.) ・ Step 18; If the deposit has not been made to the account, deposit / withdrawal of the account from all banks opened by the consumer via the Internet. Acquire information, integrate their deposit and withdrawal history, and check if it is possible to withdraw. Step 19: The multi-account integrated management server, if deductible, searches for an account that can be debited and requests the bank to transfer the debit account to the debit target account. At this time, if a single account cannot be processed, the bank is requested to transfer the accounts from a plurality of accounts to the account to be withdrawn. Step 20: If the account cannot be withdrawn even if the accounts are integrated at Step 18, the consumer financial center 7 is requested to make a loan. Step 21: Notify the consumer terminal 2 of the fact of the loan request by e-mail.・ Step 22: Consumer Finance Center 7 that received the loan request
Examines the user. Step 23: After the user is examined, if it is OK, it is transferred to the corresponding account. Step 24: Notify the consumer terminal 2 of the transfer completion by e-mail.

[0032]

As described above, according to the present invention, firstly, it becomes possible for a consumer to collectively obtain a plurality of account information in a time series, and the money currently owned by the consumer can be obtained. It has the effect of being able to grasp and carry out planned operation, and secondly, when there is a shortage of withdrawal balance, it will be possible to automatically make deposits between accounts or by financing, making it impossible to withdraw. This has the effect of avoiding the situation of late payment.

[Brief description of drawings]

FIG. 1 is a system configuration diagram showing an embodiment of the present invention.

FIG. 2 is a diagram showing an example of an account opened by a consumer.

FIG. 3 is an operation flow chart showing an embodiment of a multiple account integrated balance notification service of the first invention of the present application.

FIG. 4 is a diagram showing an example of an integrated specification of the present invention.

FIG. 5 is a configuration diagram showing an embodiment of an asset ledger of the present invention.

FIG. 6 is an operational flowchart showing an embodiment of an automatic account transfer and consumer financing automatic financing service of the second invention of the present application.

FIG. 7 is an operational flowchart showing an embodiment of an automatic account transfer and consumer financing automatic financing service of the second invention of the present application.

[Explanation of symbols]

1 Multiple account integrated management server 2 Consumer terminals 3 A Bank Host 4 Bank B host 5 X Bank Host 6 credit companies 7 Consumer Finance Center 8 Internet network 9 Internet network 10 Internet network 11 Internet network 12 ID ledger 13 Asset register

Claims (9)

[Claims] 1. A multi-account integrated management method, comprising: a multi-account integrated management server, a consumer terminal connected to at least the multi-account integrated management server via a line, and a bank host in advance. The server receives a request for service for notifying a balance of multiple accounts integrated from the consumer terminal, and connects the lines from the bank hosts of all the transaction banks registered in the asset ledger prepared for the user of the consumer terminal. Account information of the user is obtained via, the obtained account information of all the transaction banks is integrated in time series for each deposit, withdrawal, and balance, and the integrated result is displayed on the consumer terminal. Multi account integration management method. 2. A multi-account integrated management method, which comprises in advance a multi-account integrated management server, a consumer terminal connected to at least the multi-account integrated management server via a line, and a bank host. The server monitors the withdrawal from the user's account of the consumer terminal, and if the balance of the account before the withdrawal is insufficient, the bank host of all transaction banks registered in advance for the user correspondence. From the account information of the user via the line, and if there is a transferable account from the transferred account information of all the transaction banks to the account to be withdrawn, the bank of the transferable account A method for integrated management of a plurality of accounts, characterized by requesting a host to transfer to the account to be debited. 3. The multi-account integrated management server, if there is no transferable account from the account information of all the transaction banks that have been ordered to the account to be deducted, the consumption previously connected via the line. 3. The multi-account integrated management method according to claim 2, further comprising: requesting a credit transfer to the account of the debit object to a credit center. 4. In the multi-account integrated management method, a consumer terminal, a bank host, and a user of the consumer terminal in an asset ledger prepared in advance upon receiving a multi-account integrated balance notification service request from the consumer terminal. Obtain the user's account information from the bank host of all the transaction banks registered for correspondence via the line, and deposit, withdraw, and balance the acquired account information of all the transaction banks in time series. A multi-account integrated management system characterized by including a multi-account integrated management server for integrating the above into a consumer terminal and displaying the integrated result on the consumer terminal. 5. In the multi-account integrated management method, when the debit from the consumer terminal, the bank host, and the user of the consumer terminal is monitored and the balance of the account before the debit is insufficient. , Obtaining the user's account information from the bank host of all the transaction banks registered in advance for the user via a line, and transferring the obtained account information of all the transaction banks to the account to be withdrawn If there is a transferable account, it is configured to include the multi-account integration management server that requests the bank host of the transferable account to transfer to the withdrawal target account. Management method. 6. The multi-account integrated management server, if there is no transferable account from the account information of all the transaction banks that have been ordered to the account to be deducted, the consumption previously connected via the line. 6. The multi-account integrated management method according to claim 5, wherein a request is made to a financial center for the transfer of a loan to the account to be withdrawn. 7. A multi-account integrated management program, comprising:
Step 1 of receiving a request for service for notifying balance of multiple account integration from a consumer terminal prepared in advance;
When the request for the service for notifying the balance of multiple account integration is accepted in step 2, all the transaction banks registered for the user of the consumer terminal in the asset register prepared in advance are checked.
And step 3 of obtaining the user's account information via the line from the bank host of all the transaction banks checked in step 2, and depositing the account information of all the transaction banks obtained in step 3 , A withdrawal, and a step 4 of chronologically integrating each of the withdrawals and balances and displaying the integrated result on the consumer terminal. 8. A multi-account integrated management program,
Step 5 of monitoring the withdrawal of the consumer terminal from the user's account prepared in advance, and if the balance of the account before the withdrawal is insufficient, all transaction banks registered in advance for the user correspondence Step 6: Obtaining the user's account information from the bank host of the above through the line.
And step 7 of checking whether there is a transferable account to the account to be deducted from the account information of all the transaction banks obtained in step 6, and the transferable account in step 7 If there is, the step 8 of requesting the bank host of the transferable account to transfer to the withdrawal target account, the multi-account integrated management program. 9. If there is no transferable account in the step 7, the method includes a step 9 of requesting a consumer financial center previously connected through the line to transfer a loan to the account to be withdrawn. 9. The multi-account integrated management program according to claim 8.