JP2019160263A

JP2019160263A - After-payment automatic fixed system for bank

Info

Publication number: JP2019160263A
Application number: JP2018078746A
Authority: JP
Inventors: 聡子荻原; Satoko Ogiwara
Original assignee: Individual
Current assignee: Individual
Priority date: 2018-03-07
Filing date: 2018-03-07
Publication date: 2019-09-19

Abstract

To provide an after-payment automatic fixed system for bank with measures such as automatic transfer checkback, amount limitation, and one-time password capable of being fully locked in consideration of the circumstances in which there has been a crime of an Internet banking (personal use) at a bank using an Internet banking account (personal) by giving a transfer order and drawing out money from the account.SOLUTION: An after-payment automatic fixed system is booted as a type of saving in a personal computer system at a bank. There is a sensor at a log-in menu of an account, and a deposit for transfer order is accepted while a payout for transfer order is not accepted as power of a log-out menu is turned off. The cash in the account is secured without asking for this at the counter every time.SELECTED DRAWING: None

Description

本発明は、銀行向け入金後自動固定貯金システムに関する。The present invention relates to an automatic fixed savings system after depositing for a bank.

従来の銀行の貯金種別としては、普通貯金、定期貯金、貯蓄貯金インターネットバンキングなどが主となっている。
銀行によっては、窓口に依頼すれば、普通貯金を固定化し、引落できなくするシステムが存在する。だが、個人がその都度窓口に依頼しなければならない。Conventional bank savings types include ordinary savings, regular savings, savings savings and internet banking.
Depending on the bank, there is a system that fixes the ordinary savings and makes it impossible to withdraw if requested from the counter. However, the individual must ask the window each time.

銀行内で、インターネットバンキング（個人用）によって、他人の口座残高を何らかの形で引落しをする犯罪が存在しており、それを防止し、個人の貯金をいかなる事態が発生しても守るために従来の窓口の金額制限や、自動振込取返し機をつかっても、おさまらない犯罪の手口を阻止する。In the bank, there is a crime that somehow withdraws the account balance of others by internet banking (for personal use), to prevent it, and to protect personal savings no matter what happens Even if the amount of money at the conventional counter is used or an automatic money transfer collection machine is used, it prevents criminal techniques that cannot be stopped.

インターネットバンキング（個人用）の振込による犯罪を防止するために、窓口の固定というシステムをある銀行でためしてみた。すると、いかに、インターネットによってパソコン遠隔操作で振込指示をしても決して口座から他人の現金がおりないということが実際に確認できている。だから、振込による犯罪を防止するには、窓口で本人が口座内現金を固定したいと書類提出をすれば、現金がどろぼうされることはない。だが、スマホによるぬすみ見がはやっており、口座にいつどの位振込まれるのかを他人が感知できることから、振込まれたら、すぐに固定できなければ、固定を窓口でたのんでいない分は、ぬすまれてしまうことになる。そのため、銀行内の貯金の種別の中のシステムとして、入金後自動固定というパソコン内のシステムをつくり、振込がされたらすぐに自動的に固定されるという貯金をつくり、ネットバンクの振込どろぼうから貯金を守る対策をとりたい。
貯金口座の入口にセンサーがついており、ある個人の口座に振込入金指示がでれば、現金の入金をうけつける。入金指示でないものは、センサーは、反応しない。出口の電源はｏｆｆになっており、振込（出金）指示をうけても、反応できないことになっている。
つまり、入金後自動固定と題し、パソコンの貯金管理システムの一種として、振込入金指示は、センサーで感知し、うけつけるが、振込出金指示は、電源ｏｆｆであり、指示をうけても無反応というシステムを作成する。
これは、一連のまとまったシステムであり、解除するということが存在するならば、入金後自動固定でないということになる。In order to prevent crimes caused by Internet banking (for personal use), I tried a system that fixes the counter at a certain bank. As a result, it has been confirmed that nobody else's cash has been received from the account, even if a transfer instruction is given by remote control of the personal computer via the Internet. Therefore, in order to prevent crimes caused by money transfer, if the person submits documents that he / she wants to fix the cash in the account at the counter, the cash will not be drowned. However, since the person is able to detect when and how much money will be transferred to the account, if you can not fix it immediately after it is transferred, you will not be able to fix it at the window. It will be defeated. Therefore, as a system within the type of savings in the bank, create a system in the PC that automatically locks after depositing, create a savings that is automatically fixed as soon as the transfer is made, and save from the transfer of net bank I want to take measures to protect
There is a sensor at the entrance of the savings account, and if a transfer payment instruction is given to an individual account, it will receive a cash deposit. The sensor does not react if it is not a deposit instruction. The power supply at the exit is turned off, and even if a transfer (withdrawal) instruction is received, it is impossible to react.
In other words, as a type of savings management system for personal computers, titled as automatic fixing after payment, the payment / transfer instruction is detected and received by the sensor, but the transfer / withdrawal instruction is power-off, and no response occurs even if the instruction is received. Create a system called
This is a series of integrated systems, and if there is a release, it is not automatically fixed after deposit.

貯金の一種のシステムなので、一度選んだら、振込（入金）指示をうけたものは、毎回固定ということになる。だから振込によるどろぼうができない。
だが、固定したものは、窓口にいかなければ、外すことはできず、そのため自動引落を使う普通貯金口座にはあまり向かない。
これは、ネットバンクだけでなく、全ての貯金につかえる。
又、システムなので、設定に資金がかからない。Since it is a kind of savings system, once it is selected, the one that receives a transfer (payment) instruction is fixed every time. So you can't crawl by transfer.
However, fixed items cannot be removed without going to the counter, so they are not well suited for ordinary savings accounts that use automatic withdrawals.
This can be used for all savings, not just net banks.
Also, because it is a system, it doesn't cost money to set up.

銀行内で行員がこのようなシステムをパソコン上に設定する。A bank employee sets up such a system on a computer in the bank.

客は、窓口にて、このシステムを依頼し、行員が口座とこのシステムをつなぐことにより実行にうつす。The customer asks for this system at the window, and the bank employee performs the operation by connecting this system with the account.

Claims

A bank computer system that relates to savings. A system called automatic fixing after depositing, which responds only to the deposit instruction. Those that do not respond to the transfer and withdrawal instructions. A system within a bank or securities company.