JP2002222313A - Automatic money reception/payment information notifying device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic money reception/payment information notifying device which notifies a customer of money reception/payment information whenever the established account of a financial institution is updated. SOLUTION: The automatic money reception/payment information notifying device 1 is provided with an automatic notice judging means 201 receiving money reception/payment information 100, retrieving an automatic notice table 205 by a customer account number 1001 and judging the necessity of automatic notice, an automatic notice compiling means 202 compiling a money reception/ payment notice based on money reception/payment processing information 205, a notice transmitting means 203 notifying a customer mail address 2052 of the money reception/payment notice 2020 and an automatic notice table maintaining means 204 updating the automatic notice table 2052.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a balance notification of an account opened at a financial institution, and more particularly to an automatic deposit / withdrawal information notifying apparatus for notifying a customer of a deposit / withdrawal notification every time an account balance is updated by a transaction.

[0002]

2. Description of the Related Art A conventional financial institution provides a deposit / withdrawal notification service by a method in which a user actively checks his or her own account status or a method in which records obtained up to that time are collectively obtained at the end of each month. I was In the conventional method, failure to check the account balance by itself causes problems such as a shortage of funds at the time of withdrawal of the account, generation of an interest burden of shortage reimbursement, and, at worst, loss of opportunity for commercial activities.

According to Japanese Patent Application Laid-Open No. 2000-163652, it is described that an automatic transaction apparatus notifies a partner who wants to be notified of transaction contents by e-mail. In this gazette, the transaction is selected and notified. Unlike the automatic notification, the above-described problem is unavoidable because it depends on the partner's selection.

According to Japanese Patent Application Laid-Open No. H11-120262, it is described that the account user is notified of the account fluctuation information and the fact that the balance will fall below a certain amount due to the scheduled transfer amount. In this gazette, other than the scheduled transfer money, no notification is made even if there is a transfer or deposit / withdrawal, so that inconvenience occurs in account management, and the above-mentioned problem remains.

[0005]

SUMMARY OF THE INVENTION Each time a deposit or withdrawal is made to an account opened at a financial institution, the balance and the details of the transaction are notified to the account user, thereby providing the user with convenient account management.

[0006] An object of the present invention is to provide a payment information automatic notification device that performs a service of notifying a registered mail address of an automatic notification table of an account update payment / deposit notification every time an account is updated.

[0007]

SUMMARY OF THE INVENTION Therefore, according to the present invention,
Receiving the deposit / withdrawal processing information generated each time a customer account is updated, searching for an automatic notification table for registering the customer's e-mail address, and having a deposit / withdrawal automatic notification unit for e-mailing the deposit / withdrawal notice to the customer. It is characterized by the following.

Further, the deposit / withdrawal processing information includes basic information of a customer account and transaction information, and the basic information includes an account number, a deposit / withdrawal category, a transaction date, and a transaction time. , A deposit and withdrawal amount, and a balance, and the transaction information includes a depositor or withdrawal account number, a name of the depositor or withdrawal destination, and a summary.

Further, the automatic notification table includes a customer account, a mail address of the customer, and a notification flag indicating whether or not notification is required.

Further, the deposit / withdrawal notification includes a deposit / withdrawal classification,
It is characterized by including a date, a time, a deposit and withdrawal amount, a name of a depositor or dispenser, a balance, and a description.

Further, the automatic deposit / withdrawal notification means receives the deposit / withdrawal processing information, searches the automatic notification table by a customer account number, and determines whether or not automatic notification is necessary; Based on the deposit and withdrawal processing information,
Automatic notification editing means for editing the deposit / withdrawal notification, notification sending means for e-mailing the deposit / withdrawal notification to the customer mail address, and automatic notification table maintenance means for updating the automatic notification table. Features.

[0012]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described with reference to the drawings. Referring to FIG. 1 showing the configuration of an embodiment of the present invention, the automatic deposit / withdrawal information notification device 1 includes a deposit / withdrawal processing information 100 generated by a customer account update 10 in an existing system, and a customer e-mail address. It has a registered automatic notification table 105 and a deposit / withdrawal automatic notification means 200 for notifying a customer of a deposit / withdrawal notification by e-mail.

Referring to FIG. 2 showing the configuration of the automatic deposit / withdrawal notification means 200, the automatic deposit / withdrawal notification means 200 stores the deposit / withdrawal information 100 and the deposit / withdrawal processing information 100 generated by the customer account update 10 in the existing system. Based on the automatic notification determination means 201 which receives and receives the deposit / withdrawal notification by e-mail and the deposit / withdrawal processing information 100,
Automatic notification editing means 202 for editing an e-mail, notification sending means 203 for sending a deposit / withdrawal e-mail to a customer's mail address, and automatic notification for registering whether or not the customer is required to be automatically notified of the deposit / withdrawal e-mail. Table maintenance means 20
4 and an automatic notification table 20 for registering a mail address
5 is provided.

FIG. 3 shows the configuration of the automatic notification table 205.
, The automatic notification table 205 stores the customer's account number 2051, the customer's mail address 2052, and the notification flag 20 for registering the necessity of automatically notifying the deposit / withdrawal notification.
53.

Referring to FIG. 4 showing the structure of the deposit / withdrawal processing information 100, the deposit / withdrawal processing information 100 includes an account number 1001 to be processed and 1002 indicating whether the transaction is payment or withdrawal. , Transaction date 1003, transaction time 1004, transaction amount 1005,
It includes an account balance 1006, a depositor or withdrawal account number 1007 that is the account number of the business partner, a depositor or withdrawal destination name 1008 that is the name of the business partner, and a summary 1009 of the transaction.

Referring to FIG. 5, which shows the structure of the deposit / withdrawal notification 2020 for notifying the customer, the deposit / withdrawal notification 2020 includes 2021 indicating whether the transaction is a deposit or a withdrawal,
Transaction date 2022, transaction time 2023, transaction amount 2024, customer account balance 202
5 and the name of the payment source or withdrawal destination 2 which is the name of the business partner
026 and a summary 2027 of the transaction.

The operation of this embodiment will be described with reference to FIG. 2. First, when a customer account is updated by deposit / withdrawal, a customer who needs to automatically notify the deposit / withdrawal notice 2020 is automatically table-maintained. The means 204 registers a customer account number 2051, a notification destination mail address 2052, and a notification flag 2053 indicating whether or not automatic notification is necessary in the automatic notification table 205. If a deposit or withdrawal occurs in the transaction, the account number 1001, deposit / withdrawal division 1002, date 1003, time 1004, deposit / withdrawal amount 1005, balance 1006, which is the deposit / withdrawal processing information 100 generated by updating the account from the existing system. In addition to the basic information, the depositor or withdrawal account number 1007, the depositor withdrawal name 100
8. The automatic notification determination means 201 receives the summary 1009.

The automatic notification determination means 201 refers to the automatic notification table 205 to search for and confirm whether the passed account number 1001 exists in the automatic notification table 205. If the notification flag 2053 of the account number 2051 requires deposit / withdrawal notification, it is determined that the account requires automatic notification, and the automatic notification editing unit 202 is called. Automatic notification editing means 20
Reference numeral 2 denotes a deposit / withdrawal notification 2020 sent by e-mail, including a deposit / withdrawal category 2021, a date 2022, a time 2023, a deposit amount 2024, a balance 2025, and a deposit / withdrawal destination name 202.
6. Edit with the content of the abstract 2057. The information sending means 203 sends out a deposit / withdrawal notification 2020 by e-mail on the Internet.

Further, the automatic editing means 202 stores the balance 100
Checking No. 6 and making a change to add a warning to the deposit / withdrawal notification 2020 when the amount falls below a predetermined amount can be performed.

Further, the notification sending means 203 outputs the balance 100
Checking No. 6, if the amount does not fall below a predetermined amount, a change can be made in which a plurality of deposit / withdrawal notifications 2020 within a certain period of time are sent at once.

[0021]

The effect of the present invention is that the customer can immediately know the deposit / withdrawal processing information for the customer account each time a transaction is made. The reason is that the deposit / withdrawal notification based on the deposit / withdrawal processing information is automatically notified to the customer. Another advantage is that the customer can be prevented from hindering the transaction due to insufficient balance. . The reason is that when the balance is below a predetermined amount as a result of depositing / withdrawing of a transaction, a warning can be received by a deposit / withdrawal notification.

Further, another advantage is that it is possible to suppress unnecessary and frequent receiving of a deposit / withdrawal notification. The reason is that, as long as the balance does not fall below a predetermined amount, a plurality of deposit / withdrawal notifications within a certain time can be received at once.

[Brief description of the drawings]

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

2 shows a detail of FIG. 1;

FIG. 3 is a diagram showing a configuration of an automatic notification table.

FIG. 4 is a diagram showing a configuration of deposit / withdrawal processing information.

FIG. 5 is a diagram showing a configuration of a deposit / withdrawal notification.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Deposit / withdrawal information automatic notification device 10 Customer account update 100 Deposit / withdrawal processing information 201 Automatic notification determination means 202 Automatic notification editing means 203 Notification sending means 204 Automatic notification table maintenance means 205 Automatic notification table

Claims (7)

[Claims] 1. Receiving deposit / withdrawal processing information generated each time a customer account is updated, searches an automatic notification table for registering a customer's e-mail address, and sends / receives the deposit / withdrawal notice to the customer by e-mail. An automatic deposit / withdrawal information notifying device comprising an automatic notifying means. 2. The deposit / withdrawal processing information includes basic information of a customer account and transaction information. The basic information includes an account number, a deposit / withdrawal category, a transaction date, a transaction time, The transaction information includes a depositor or withdrawal account number, a name of the depositor or withdrawal destination, and a summary. Automatic notification device for payment information. 3. The deposit / withdrawal information notification device according to claim 1, wherein the automatic notification table includes a customer account, a customer's mail address, and a notification flag indicating whether notification is necessary. 4. The deposit / withdrawal notification includes a deposit / withdrawal classification, a date, a time, a deposit / withdrawal amount, a name of a depositor or withdrawal destination, a balance, and a summary. 2. The payment information automatic notification device according to claim 1. 5. The automatic deposit / withdrawal notification means, which receives the deposit / withdrawal processing information, searches the automatic notification table according to a customer account number, and determines whether or not automatic notification is required; Automatic notification editing means for editing a payment notification based on the payment processing information; notification sending means for e-mailing the payment notification to the customer mail address; and automatic updating of the automatic notification table. 2. The automatic payment information notification device according to claim 1, further comprising: a notification table maintenance unit. 6. The automatic cash-in / pay-out notification according to claim 5, wherein the automatic notification editing means adds, to the cash-in / pay-out notification, a message warning of a decrease in the balance amount when the balance falls below a predetermined amount. means. 7. The system according to claim 5, wherein the notification sending means sends a plurality of deposit / withdrawal notifications within a predetermined time at a time when the balance of the deposit / withdrawal notification does not fall below a predetermined amount. Automatic deposit and withdrawal notification means.