Financial institutions cooperation system , financial institution system , financial institutions cooperation method , and program

摘要

PROBLEM TO BE SOLVED: To provide a financial institution cooperation system, a financial institution system, a financial institution cooperation method and a program capable of reducing workload imposed on a customer when buying financial products, swiftly processing a purchase order as well as increasing flexibility of transfer of funds made by the customer.;SOLUTION: In a financial institution cooperation system 10, a securities firm system 20 is provided with an ordinary account mirror credit DB 41 that stores an ordinary account mirror credit which is a copy of a credit in an ordinary account (second account) opened in a bank. Upon a reception of a purchase order, the ordinary account mirror credit is added to a deposit credit or an MRF credit of a multipurpose account (first account) opened in a securities firm to determine capacity for buying using the calculated total amount of account credit. When a withdrawal request from the ordinary account is made, the capacity for buying amount is calculated by using the total amount of the account credit and is notified to a bank system 50.;COPYRIGHT: (C)2012,JPO&INPIT