FUND TRANSFER METHOD, SYSTEM, AND PROGRAM

• Main Author: EGUCHI TATSUYA
• Format: Patent
• Language: English; Japanese
• Published: 20.06.2016
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

PROBLEM TO BE SOLVED: To provide a fund transfer method, a system, and a program for simultaneously performing fund transfer between a card issuer and an affiliated store relating to both of a credit card and a prepaid card.SOLUTION: Settlement amounts associated with an affiliated store ID that has information on a predetermined closing day and that is read from an affiliated store master, is read from a settlement information DB, and the settlement amounts are aggregated to determine whether a transfer to an account of the affiliated store is required to be performed or an account transfer from the account of the affiliated store is required to be performed. When it is determined that the transfer is required to be performed, transfer data is generated with the aggregated settlement amount from a predetermined account of the card issuer to the account of the affiliated store being set as a transfer amount. When it is determined that the account transfer is required to be performed, account transfer data is generated with the aggregated settlement amount from the account of the affiliated store to the account of the card issuer in the same financial institution as that of the account of the affiliated store being set as a transfer amount. The transfer data and/or the account transfer data is transmitted to a financial institution system.SELECTED DRAWING: Figure 14 【課題】カード会社と加盟店間の、クレジットカードおよびプリペイドカードの両方に関する資金移動を一度に実行する資金移動方法、システムおよびプログラムを提供する。【解決手段】加盟店マスタから読み出した所定の締日の情報を有する加盟店ＩＤに関連付けられる清算金額を清算情報ＤＢから読み出し、清算金額を合算することにより、加盟店の口座に対して振込を行う必要があるか、あるいは加盟店の口座から口座振替を行う必要があるかを判定する。振込を行う必要があると判定された場合に、カード会社の所定の口座から加盟店の口座に対する合算された清算金額を振込金額として振込データを生成し、口座振替を行う必要があると判定された場合に、加盟店口座から加盟店口座と同一金融機関内にあるカード会社の口座に対する合算された清算金額を振替金額として口座振替データを生成し、振込データおよび／または口座振替データを金融機関システムに送信する。【選択図】図１４