JP2020194595A - Transaction management device and transaction management method - Google Patents

Abstract

To provide a technique which can improve reliability of transaction.SOLUTION: A transaction management device comprises: a storage unit for electronically storing transactor's handwritten signature information for each transactor who performs transaction on behalf of an account holder for transaction related to the account; a transaction reservation acceptance unit for accepting a reservation for the transaction together with information identifying the state at the transaction time; a normal transaction determination unit for determining whether the transaction satisfies the state or not; a transaction processing unit for processing the transaction if the transaction satisfies the state; and a signature processing unit for accepting input of a handwritten signature by a transactor in a transaction processing process. The signature processing unit, when input of a handwritten signature is accepted, reads past handwritten signature information related to the transactor from the storage unit and generates an output screen on which the information is put down together in a manner that allows comparison with the handwritten signature.SELECTED DRAWING: Figure 1

Description

The present invention relates to a transaction management device and a transaction management method.

Systems for supporting the work of external affairs personnel such as financial institutions are becoming widespread. For example, there is a system equipped with a server in the office and a mobile terminal carried by a person in charge of public relations. Then, in the system, information about business can be transmitted and received between the server and the mobile terminal, and the schedule can be referred to and the transaction contents can be input via the mobile terminal.

Patent Document 1 describes a visit plan list, transmission of customer's personal information from a server to a mobile terminal, and the like in a business support system having a business support server and a mobile terminal.

Japanese Unexamined Patent Publication No. 2013-69216

The above technology describes the distribution of planning information to support transactions and the complete erasure of personal information after transactions to improve security, but it is different from the agent planned as a trader. It does not improve the reliability of the transaction itself, such as preventing spoofing, that is, the procedure by the agent is performed.

An object of the present invention is to provide a technique capable of improving the reliability of a transaction.

The present application includes a plurality of means for solving at least a part of the above problems, and examples thereof are as follows. The transaction management device according to one aspect of the present invention electronically stores the handwritten signature information of the trader for each trader who conducts the transaction on behalf of the account holder who is the holder of the account in the transaction related to the account. A storage unit for accepting reservations together with information specifying the situation at the time of the transaction for the transaction, a normal transaction determination unit for determining whether or not the above situation is satisfied for the transaction, and the above situation. The signature processing unit includes a transaction processing unit that processes the transaction when satisfied, and a signature processing unit that accepts the input of a handwritten signature by the trader in the processing process of the transaction, and the signature processing unit accepts the input of the handwritten signature. It is characterized in that the past handwritten signature information relating to the trader is read from the storage unit and an output screen is generated in which the past handwritten signature information is written together in comparison with the handwritten signature.

Further, in the transaction management device, the signature processing unit has the handwritten signature received by the account holder when the past handwritten signature information related to the trader is not included in the storage unit. It may be transmitted to a predetermined other device so as to be viewable.

Further, in the transaction management device, if the signature processing unit does not accept the input of the information indicating the approval of the transaction within the predetermined period in response to the input of the handwritten signature, the predetermined account holder has the predetermined value. It may be the one that makes a call to the voice communication device of.

Further, in the transaction management device, the signature processing unit causes the transaction processing unit to process the transaction when the response to the call is made within a predetermined period, and the transaction processing unit processes the transaction. If the response to the call is not made within the predetermined period, the transaction may be canceled.

Further, in the transaction management device, the signature processing unit calculates a predetermined index indicating the degree of agreement between the input of the handwritten signature and the past handwritten signature information, and includes the index in the output screen. It may be a thing.

Further, in the transaction management device, the signature processing unit may include a graphed display in the output screen so that the degree of agreement can be discriminated by using the index.

Further, in the transaction management device, the signature processing unit generates a predetermined figure that emphasizes the input of the handwritten signature and the part different from the past handwritten signature information and includes it in the output screen. There may be.

Further, the transaction management method according to another aspect of the present invention is a transaction management method using a transaction management device, wherein the transaction management device includes a control unit and a storage unit, and the storage unit includes a control unit and a storage unit. In the transaction related to the account, the handwritten signature information of the trader is electronically stored for each trader who trades on behalf of the account holder who is the holder of the account, and the control unit performs the predetermined transaction. A transaction reservation acceptance step that accepts a reservation together with information that identifies the situation at the time of transaction and stores it in the storage unit, a normal transaction determination step that determines whether or not the situation related to the reservation is satisfied for the transaction, and the above situation. A transaction processing step of processing the transaction when satisfied and a signature processing step of accepting the input of a handwritten signature by the trader in the processing process of the transaction are executed, and the signature processing step accepts the input of the handwritten signature. It is characterized in that the past handwritten signature information relating to the trader is read from the storage unit and an output screen is generated in which the handwritten signature is written in comparison with the handwritten signature.

According to the present invention, the reliability of transactions can be improved.

Issues, configurations and effects other than those described above will be clarified by the description of the following embodiments.

It is a block diagram of the transaction management system which concerns on embodiment. It is a figure which shows the data structure stored in the transaction reservation storage part. It is a figure which shows the data structure stored in the schedule storage part. It is a figure which shows the data structure stored in the signature storage part. It is a figure which shows the data structure stored in the transaction history storage part. It is a figure which shows the hardware configuration example of the transaction management apparatus. It is a figure which shows the hardware configuration example of the external relations support terminal. It is a figure which shows the flow of transaction application processing. It is a figure which shows the flow of transaction processing. It is a figure which shows the flow of signature processing. It is a figure which shows the output screen example of a transaction application process. It is a figure which shows another output screen example of transaction application processing. It is a figure which shows the output screen example of a signature process. It is a figure which shows another output screen example of a signature process. It is a figure which shows still another output screen example of a signature process. It is a figure which shows the signature confirmation screen example of a signature process. It is a figure which shows the signature determination screen example of the signature processing.

Hereinafter, an embodiment using the transaction management system 1 to which the embodiment according to the present invention is applied will be described with reference to the drawings.

In general, there are many systems that require identity verification and personal approval, but there is a risk that the ability of evidence is relatively low even for electronic signatures by handwriting input, which is an obstacle to incorporating electronic signatures into various systems. It has become.

Conventional efforts have been to increase the amount of information related to digital signatures and to improve the reliability of electronic signature data by improving the algorithm for determining the similarity of handwriting, and indirectly to improve the reliability of transactions. ..

The transaction management system 1 according to the present embodiment is expected to have the effect of directly increasing the reliability of transactions without hindering the improvement of the reliability of indirect transactions.

FIG. 1 is a block diagram of the transaction management system 1 according to the present embodiment. The transaction management system 1 comprises a transaction management device 100, a public relations support terminal 200 that is communicably connected to the transaction management device 100 via a network 50, and an account holder terminal 300 owned by an account holder such as a bank. Including. The account holder terminal 300 may be a terminal such as a smartphone held and used by the account holder regardless of the account.

The network 50 is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, and a mobile phone network. The network 50 may be a VPN (Virtual Private Network) or the like on a wireless communication network such as a mobile phone communication network.

The transaction management device 100 is a so-called server device. However, the present invention is not limited to this, and the transaction management device 100 may be various information processing devices such as a personal computer, a smartphone, a workstation, a PDA (Personal Data Assistant), and a tablet device.

The transaction management device 100 receives a transaction reservation request from the account holder terminal 300 for transactions related to the account via the network 50. In addition, the transaction management device 100 assigns a liaison officer based on a transaction reservation based on a predetermined standard, and records the schedule information of the liaison officer. Further, the transaction management device 100 determines whether or not the transaction is a reserved transaction at the transaction site, and if the transaction is a reserved transaction, the transaction is concluded. In this process, when the agent is participating as a trader instead of the account holder, the transaction management device 100 determines that the transaction is a reserved transaction if the agent is a scheduled agent. , Record the electronic signature data by the agent's own handwriting input.

The public relations support terminal 200 is a terminal carried by a person in charge of public relations, and is a so-called tablet device. However, the present invention is not limited to this, and the external relations support terminal 200 may be various information processing devices such as a personal computer, a smartphone, a workstation, and a PDA.

The public relations support terminal 200 performs output processing when it receives an instruction to display and output a predetermined screen from the transaction management device 100 via the network 50. Further, the input information received from the input device and various sensors described later is transmitted to the transaction management device 100 via the network 50.

The account holder terminal 300 is a terminal used by the account holder who conducts transactions, and is a so-called smartphone device. However, the present invention is not limited to this, and the account holder terminal 300 may be various information processing devices such as a personal computer, a workstation, a PDA, and a tablet terminal.

When the account holder terminal 300 receives an instruction to display and output a predetermined screen from the transaction management device 100 via the network 50, the account holder terminal 300 performs an output process. Further, the input information received from the input device is transmitted to the transaction management device 100 via the network 50.

The transaction management device 100 includes a control unit 110, a storage unit 120, and a communication unit 130. The control unit 110 includes a transaction reservation reception unit 111, a schedule interlocking processing unit 112, a normal transaction determination unit 113, a transaction processing unit 114, and a signature processing unit 115.

The transaction reservation reception unit 111 receives the transaction reservation information from the account holder terminal 300 via the network 50 and stores it in the transaction reservation storage unit 121. That is, the transaction reservation reception unit 111 accepts reservations for a predetermined transaction together with information that identifies the situation at the time of the transaction. At that time, the transaction reservation reception unit 111 receives information for identifying the agent of the account holder related to the transaction as a trader who conducts a transaction at the time of transaction. In addition, the transaction reservation reception unit 111 presents a person belonging to the eaves of the account holder as a candidate as an agent.

The schedule interlocking processing unit 112 generates schedule information according to the transaction reservation and stores it in the schedule storage unit 122. In addition, the schedule interlocking processing unit 112 stores the schedule storage unit 122 so that the superior or manager of the person in charge of external affairs related to the transaction reservation can share the schedule. Further, when the schedule interlocking processing unit 112 receives a reservation for a transaction, the schedule interlocking processing unit 112 specifies a date and time related to the reservation and generates predetermined schedule information. In addition, the schedule interlocking processing unit 112 assigns a staff member in charge of the transaction and shares the schedule information with the superior of the staff member.

The normal transaction determination unit 113 determines whether or not the transaction is a normal transaction at the start of the transaction according to the reservation of the transaction received by the transaction reservation reception unit 111. In addition, a normal transaction means a transaction that does not differ from the transaction content related to the reservation. More specifically, the normal transaction determination unit 113 determines whether or not a predetermined situation is satisfied for a transaction when determining whether or not the transaction is normal. In the processing, for example, as information for specifying the situation at the time of transaction, it is confirmed whether or not the agent is a scheduled agent, or the location information where the transaction is performed or the optical image information of the trader. To determine if the situation is met using. This is to reduce the risk that the transaction will take place where it is not planned or that the trader will be impersonated by another person.

The transaction processing unit 114 executes a predetermined business logic for each predetermined transaction. For example, the transaction processing unit 114 controls the start and end of programs related to various transactions such as deposit, withdrawal, notification, and repayment.

The signature processing unit 115 creates signature data using the input handwriting information. Further, the signature processing unit 115 stores the signature data in the signature storage unit 123 for each signer who is a trader.

Further, when the signature processing unit 115 receives the input of the handwritten signature, the signature processing unit 115 reads the past handwritten signature information related to the trader from the signature storage unit 123 and generates an output screen in which the handwritten signature is written in comparison with the handwritten signature.

Further, when the signature storage unit 123 does not include the past handwritten signature information related to the trader, the signature processing unit 115 has a predetermined other device in which the account holder has the received handwritten signature, that is, the account name. It is transmitted to the human terminal 300 so that it can be viewed.

Further, when the signature processing unit 115 does not accept the input of the information indicating the approval of the transaction in response to the input of the handwritten signature within the predetermined period, the account holder has a predetermined voice call device, that is, the account holder terminal 300. Make a call requesting a voice call to. Then, the signature processing unit 115 causes the transaction processing unit 114 to process the transaction when the response to the call is made within the predetermined period, and the transaction when the response to the call is not made within the predetermined period. To stop.

In addition, the signature processing unit 115 calculates a predetermined index indicating the degree of matching between the input of the handwritten signature and the past handwritten signature information, and includes the index in the output screen. In addition, the signature processing unit 115 includes a graphed display on the output screen so that the degree of matching can be discriminated by using the index.

In addition, the signature processing unit 115 generates a predetermined figure that emphasizes the difference between the input of the handwritten signature and the past handwritten signature information and includes it in the output screen.

The storage unit 120 includes a transaction reservation storage unit 121, a schedule storage unit 122, a signature storage unit 123, and a transaction history storage unit 124.

FIG. 2 is a diagram showing a data structure stored in the transaction reservation storage unit 121. The transaction reservation storage unit 121 includes a reservation identifier 121A, a reservation identifier 121B, a customer name 121C, a desired transaction date and time 121D, a transaction execution location 121E, a transaction type 121F, a trader 121G, and a relationship 121H. The handling amount 121J and the clothes 121K are stored in association with each other.

The reservation identifier 121A is information that identifies the reservation of the transaction. The reservation identifier 121B is information that identifies the person who made the reservation specified by the reservation identifier 121A. The customer name 121C is information that identifies the holder of the account to be traded. The desired transaction date and time 121D is a desired date and time when the transaction subject to the reservation specified by the reservation identifier 121A is performed. The transaction execution place 121E is a place where the transaction subject to the reservation specified by the reservation identifier 121A is performed.

The transaction type 121F is information that specifies the type of transaction that is the target of the reservation specified by the reservation identifier 121A. The trader 121G is a person who performs the procedure in the transaction subject to the reservation specified by the reservation identifier 121A. Normally, the trader is assumed to be the account holder, but the account holder will not be present due to various circumstances, or a relative will customarily perform the transaction, and the agent will be the trader. There is also.

The relationship 121H is information that identifies the relationship with the account holder who is the customer for the trader specified by the trader 121G. The handling amount 121J is an amount handled in the transaction subject to the reservation specified by the reservation identifier 121A. The clothing 121K is information that identifies the color of the clothing of the agent when the person performing the procedure in the transaction subject to the reservation specified by the reservation identifier 121A is an agent. The information on the clothes 121K is not essential information for the transaction, but is auxiliary information that can be used to further enhance the reliability of the transaction.

FIG. 3 is a diagram showing a data structure stored in the schedule storage unit 122. The schedule storage unit 122 stores the schedule information of the person in charge of external affairs and other staff members. The schedule storage unit 122 includes a staff identifier 122A, a reservation identifier 122B, a date and time 122C, and a content 122D.

The staff identifier 122A is information for identifying a staff member including a person in charge of external affairs. The reservation identifier 122B is information for identifying an appointment (event). The date and time 122C is information that identifies the date and time when the schedule identified by the reservation identifier 122B is performed. The content 122D is information that identifies the content to be identified by the reservation identifier 122B.

FIG. 4 is a diagram showing a data structure stored in the signature storage unit 123. In the signature storage unit 123, the signature identifier 123A, the signature data 123B, and the signature date and time 123C are stored in association with each other.

The signer identifier 123A is information that identifies the signer. The signature data 123B is electronic signature information generated by a predetermined algorithm based on the handwriting information input by the signer identified by the signer identifier 123A at the time of signature. The signature date and time 123C is information that identifies the date and time when the signaturer identified by the signer identifier 123A signed.

FIG. 5 is a diagram showing a data structure stored in the transaction history storage unit 124. The transaction history storage unit 124 contains a transaction identifier 124A, a customer name 124B, a transaction end date and time 124C, a transaction execution location 124D, a transaction type 124E, a trader 124F, a handling amount 124G, and a handling staff 124H. Are associated and stored.

The legal entity 124A is information that identifies the transaction. The customer name 124B is information that identifies the holder of the account to be traded. The transaction end date and time 124C is the date and time when the transaction specified by the legal entity 124A was performed. The transaction execution place 124D is a place where the transaction specified by the legal entity 124A is performed.

The transaction type 124E is information that identifies the type of transaction specified by the transaction identifier 124A. The transaction type 124E may be information indicating the reason for the cancellation when the transaction is canceled. The trader 124F is a person who has performed the procedure in the transaction specified by the legal entity 124A.

The handling amount 124G is the amount handled in the transaction specified by the legal entity 124A. The handling staff 124H is information that identifies the person in charge of external affairs in the transaction specified by the legal entity 124A.

The communication unit 130 communicates with the external relations support terminal 200 and the account holder terminal 300, which are other devices, via the network 50.

The external relations support terminal 200 includes a display unit 210, an input reception unit 220, a communication unit 230, a position acquisition unit 240, and an imaging unit 250. When the display unit 210 receives the screen information of a predetermined format instructed to be displayed by the transaction management device 100 from the communication unit 230, the display unit 210 draws the screen information on the display device. The input reception unit 220 receives an input instruction from an operator of the external relations support terminal 200, for example, an external relations person in charge, and transmits the input instruction to the transaction management device 100. The communication unit 230 communicates with the transaction management device 100, which is another device, via the network 50. By combining the display unit 210, the input reception unit 220, and the communication unit 230, a so-called Internet browser function for controlling the display of a Web page can be realized.

The position acquisition unit 240 acquires information for identifying the position of the external relations support terminal 200. Specifically, the position acquisition unit 240 acquires coordinate information by surveying using satellite radio waves such as GPS (Global Positioning System) or GLONASS (GLONASS Navigation Sitelite System). Upon receiving an instruction, the image pickup unit 250 senses a wavelength in a predetermined range and generates image information by an image pickup device such as a solid-state image pickup device using CMOS (complementary metal oxide semiconductor).

The account holder terminal 300 includes a display unit 310, an input reception unit 320, and a communication unit 330. When the display unit 310 receives the screen information of a predetermined format instructed to be displayed by the transaction management device 100 from the communication unit 330, the display unit 310 draws the screen information on the display device. The input receiving unit 320 receives an input instruction from an operator of the account holder terminal 300, for example, the account holder, and transmits the input instruction to the transaction management device 100. The communication unit 330 communicates with the transaction management device 100, which is another device, via the network 50. By combining the display unit 310, the input reception unit 320, and the communication unit 330, a so-called Internet browser function for controlling the display of a Web page can be realized.

FIG. 6 is a diagram showing a hardware configuration example of the transaction management device 100. The transaction management device 100 includes an arithmetic unit 102, an external storage device 103, a main storage device 104, an output device 105, a communication device 106, and a bus 107 connecting each device. In addition, the transaction management device 100 includes an input device 101.

The arithmetic unit 102 is, for example, an arithmetic unit such as a CPU (Central Processing Unit).

The external storage device 103 is a non-volatile storage device such as a so-called hard disk (Hard Disk Drive), SSD (Solid State Drive), or flash memory that can store digital information.

The main storage device 104 is, for example, a memory device such as a RAM (Random Access Memory).

The output device 105 is, for example, a display device such as a liquid crystal display or an organic EL (Electroluminescence) display.

The communication device 106 is a device such as a network card that establishes a communication path with other devices such as a public relations support terminal 200 and an account holder terminal 300 via a network 50 or the like and transmits / receives information.

The input device 101 is various input devices such as a keyboard, a mouse, and a touch panel.

The input device 101, the arithmetic unit 102, the external storage device 103, the main storage device 104, the output device 105, and the communication device 106 are connected to each other by a connecting lead wire such as a bus 107.

The transaction reservation reception unit 111, the schedule interlocking processing unit 112, the normal transaction determination unit 113, the transaction processing unit 114, and the signature processing unit 115 of the transaction management device 100 described above are programs that cause the arithmetic unit 102 to perform processing. Realized by. This program is stored in the main storage device 104, the external storage device 103, or a ROM device (not shown), is loaded on the main storage device 104 for execution, and is executed by the arithmetic unit 102.

Further, the storage unit 120 of the transaction management device 100 is realized by the main storage device 104 and the external storage device 103. Further, the communication unit 130 of the transaction management device 100 is realized by the communication device 106. The above is an example of the hardware configuration of the transaction management device 100. The account holder terminal 300 also has substantially the same configuration as the hardware configuration example shown in FIG.

Each configuration of the transaction management device 100 and the account holder terminal 300 can be further classified into more components according to the processing content. It can also be categorized so that one component performs more processing.

Further, each control unit may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware or may be executed by a plurality of hardware.

FIG. 7 is a diagram showing a hardware configuration example of the external relations support terminal 200. The external relations support terminal 200 includes an arithmetic unit 202, an external storage device 203, a main storage device 204, an output device 205, a communication device 206, a bus 207 connecting each device, a position information acquisition device 208, and an imaging device. 209 and at least. In addition, the external relations support terminal 200 includes an input device 201.

The arithmetic unit 202 is, for example, an arithmetic unit such as a CPU. The external storage device 203 is a non-volatile storage device such as a so-called hard disk, SSD, or flash memory that can store digital information. The main storage device 204 is a memory device such as a RAM. The output device 205 is a display device such as a liquid crystal display or an organic EL display. The communication device 206 is a device such as a network card that establishes a communication path with other devices such as the transaction management device 100 and the account holder terminal 300 via the network 50 and transmits / receives information.

The input device 201 is various input devices such as a keyboard, a mouse, and a touch panel.

The input device 201, the arithmetic unit 202, the external storage device 203, the main storage device 204, the output device 205, the communication device 206, the position information acquisition device 208, and the image pickup device 209 are connected to each other by a bus 207 or the like. They are connected to each other by leads.

The display unit 210, the input reception unit 220, and the communication unit 230 of the external relations support terminal 200 described above are realized by a program that causes the arithmetic unit 202 to perform processing. This program is stored in the main storage device 204, the external storage device 203, or a ROM device (not shown), is loaded on the main storage device 204 for execution, and is executed by the arithmetic unit 202.

Further, the communication unit 230 of the external relations support terminal 200 is realized by the communication device 206. Further, the position acquisition unit 240 of the external relations support terminal 200 is realized by the position information acquisition device 208. Further, the image pickup unit 250 of the external relations support terminal 200 is realized by the image pickup device 209. The above is an example of the hardware configuration of the external relations support terminal 200.

The configuration of the external relations support terminal 200 can be further classified into more components according to the processing content. It can also be categorized so that one component performs more processing.

Further, each control unit may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware or may be executed by a plurality of hardware.

[Explanation of Operation] Next, the operation of the transaction management system 1 in the present embodiment will be described.

FIG. 8 is a diagram showing a flow of transaction application processing. The transaction application process is started when a user such as the account holder obtains a transaction reservation instruction from the account holder terminal 300. The transaction application process is started not only when the transaction reservation instruction is obtained from the account holder terminal 300, but also when the instruction is obtained from the external relations support terminal 200 or other terminals (not shown).

First, the transaction reservation reception unit 111 of the transaction management device 100 receives the transaction reservation request (step S001). Specifically, the transaction reservation reception unit 111 receives information regarding the transaction reservation.

In addition, in the information regarding the reservation of the transaction, the name of the customer (the holder of the account to be traded), the information for specifying the desired date and time of the transaction, the information for specifying the place where the transaction is carried out, and the type of the transaction are specified. Information to be used, information on the trader attending the transaction, transaction clothing color information for specifying the color of the trader's clothing at the time of the transaction, and information for specifying the transaction amount are included. However, the present invention is not limited to this, and it is sufficient that information that identifies the content of the transaction and the attendees is included, and for example, information on the place of exchange or clothing may not be included.

Then, the transaction reservation reception unit 111 determines whether or not the trader is a temporary agent (step S002). Specifically, the transaction reservation reception unit 111 is a temporary agent for the transaction received in step S001 when the trader is not the account holder and is not a member of the eaves. Is determined. An eave is a unit that corresponds to an address and treats the family members residing at the address as one group. If it is not a temporary agent, the transaction reservation reception unit 111 advances the control to step S005 described later.

When the trader is a temporary agent (in the case of "Yes" in step S002), the transaction reservation reception unit 111 transmits the setting screen of the temporary agent (step S003). Specifically, the transaction reservation reception unit 111 generates a temporary agent setting screen according to a predetermined layout and transmits it to the account holder terminal 300.

Then, the transaction reservation reception unit 111 receives the temporary agent information (step S004). Specifically, the transaction reservation reception unit 111 accepts a relationship between the name of the temporary agent and the account holder of the temporary agent.

Next, the transaction reservation reception unit 111 assigns a handling staff (step S005). Specifically, the transaction reservation reception unit 111 assigns the staff in charge of public relations of the transaction by an algorithm such as a predetermined priority.

Then, the transaction reservation reception unit 111 records the transaction reservation, and the schedule interlocking processing unit 112 records the staff's schedule (step S006). Specifically, the transaction reservation reception unit 111 stores the information regarding the transaction reservation and the information of the temporary agent in the transaction reservation storage unit 121. Further, the schedule interlocking processing unit 112 generates and stores the schedule information related to the transaction in the schedule storage unit 122 of the handling staff. Further, the schedule information is also stored in the schedule storage unit 122 of the superior or manager of the handling staff, and the schedule information can be shared.

The above is the flow of transaction application processing. According to the transaction application process, the transaction can be reserved using the terminal owned by the account holder.

FIG. 9 is a diagram showing a flow of transaction processing. The transaction processing is started when a request from the external relations support terminal 200 to start processing related to the transaction is received.

First, the transaction processing unit 114 receives the date and time or customer information (step S101). Specifically, the transaction processing unit 114 receives the customer information of the date and time related to the transaction or the account holder who conducts the transaction from the external relations support terminal 200.

Then, the transaction processing unit 114 identifies one or a plurality of eaves transactions using the date or customer information (step S102). Specifically, the transaction processing unit 114 searches the transaction reservation storage unit 121 using the date and time or customer information received in step S101 as a search key, and identifies one or more transactions of the eaves to which the corresponding customer belongs. To do.

Then, the normal transaction determination unit 113 determines whether or not the transaction environment (date and time, place, clothes, etc.) is as planned (step S103). Specifically, the normal transaction determination unit 113 determines whether or not the transaction environment satisfies the content applied for in the transaction application process. For example, in step S103, the normal transaction determination unit 113 accepts input of the customer name, trader, transaction type, transaction amount, etc., compares it with the transaction schedule, matches the customer name, and sets the desired transaction date and time as the processing time. Whether the transaction meets the transaction location, the transaction location meets the transaction location, the transaction to be performed is included in the transaction type, the trader is the trader as planned, the transaction amount is included in the transaction amount frame, or the transaction It is determined whether the basic color of the person's clothes is the color as planned.

To specify the trading location, the normal transaction determination unit 113 receives the position information acquired by the position acquisition unit 240 of the external relations support terminal 200. Then, the normal transaction determination unit 113 determines whether or not the coordinates specified by the position information are included in the range of the planned location.

Further, in order to identify the color that is the basis of the clothes of the trader, the normal transaction determination unit 113 selects a color in a predetermined range from the video information related to the appearance of the trader acquired by the imaging unit 250 of the external relations support terminal 200. Use to identify.

When the transaction environment is not as planned (when "No" in step S103), the normal transaction determination unit 113 advances control to step S108, which will be described later, and ends the transaction process. In this case, in step S108, the transaction processing unit 114 stores the transaction cancellation reason (for example, "the transaction place is not as planned") in the transaction type 124E of the transaction history storage unit 124.

When the transaction environment is as planned (when "Yes" in step S103), the transaction processing unit 114 performs transaction processing (step S104). Then, the transaction processing unit 114 determines whether or not all the transaction processing of the eaves has been completed (step S105). If all the transactions of the eaves specified in step S102 have not been completed (in the case of "No" in step S105), the transaction processing unit 114 returns control to step S104.

When all the transaction processing of the eaves is completed (in the case of “Yes” in step S105), the signature processing unit 115 performs the signature processing described later (step S106).

Then, the signature processing unit 115 updates the signature (step S107), and the transaction processing unit 114 records the contents of the transaction in the transaction history (step S108). Specifically, the signature processing unit 115 adds the signature data received in step S106 to the signature storage unit 123, and the transaction processing unit 114 adds the transaction content to the transaction history storage unit 124.

The above is the flow of transaction processing. According to the transaction processing, since the external relations support terminal 200 can be used to normally process only the transactions that match the schedule, it is possible to carry out the transactions with higher reliability.

FIG. 10 is a diagram showing a flow of signature processing. The signature process is started in step S106 of the transaction process.

First, the signature processing unit 115 accepts the selection of the signer (step S201). Specifically, the signature processing unit 115 receives the date and time of the transaction or the customer information of the account holder who conducts the transaction from the external relations support terminal 200, and temporarily reserves as a person constituting the eaves of the account holder and a trader. The agent is selectively selected as a candidate for the signer, and the selection is accepted via the external relations support terminal 200.

Then, the signature processing unit 115 accepts the signature input by handwriting (step S202). Specifically, the signature processing unit 115 transmits a signature input screen 500 or a plurality of transaction signature screens 600, which will be described later, to the external relations support terminal 200, and inputs handwriting to the signature line 502 or the signature line 602 with a touch pen or a fingertip or the like. Accept and perform predetermined character recognition processing. The plurality of transaction signature screens 600 are output when a plurality of transactions are collectively performed, and the signature input screen 500 is output when there is only one transaction to be performed.

Then, the signature processing unit 115 determines whether or not the agent has a signature history (step S203). Specifically, the signature processing unit 115 attempts to read the signature data 123B by handwriting that the agent (signer) has input in the past from the signature storage unit 123. At that time, the signature processing unit 115 reads the signature data 123B by searching the signer identifier 123A for information that identifies the trader. When the number of readings is 0, the signature processing unit 115 determines that there is no signature history.

If there is a signature history (in the case of "Yes" in step S203), the signature processing unit 115 determines whether or not the agent is the first to act for the account holder (step S204). ). Specifically, the signature processing unit 115 extracts the transaction history of the account holder related to the transaction from the transaction history storage unit 124, and if the trader 124F includes the information of the agent, it determines that it is the first time. .. In the case of the first time (in the case of "Yes" in step S204), the signature processing unit 115 proceeds to control to step S209 described later.

If it is not the first time (in the case of "No" in step S204), the signature processing unit 115 identifies and displays the latest signature by the agent (step S205). Specifically, the signature processing unit 115 refers to the signature storage unit 123, extracts information having the signature identifier 123A of the agent, identifies the signature data 123B having the latest signature date and time 123C, and will be described later. Included in the display information of the signature display screen 700.

Then, the signature processing unit 115 collates the handwriting and displays the result (step S206). Specifically, the signature processing unit 115 collates the handwriting with the handwriting input information received in step S202 and the information of the latest signature by the agent specified in step S205, and uses a predetermined index. Calculate a value that indicates consistency. Then, the signature processing unit 115 uses a predetermined figure graphed so that the degree of matching can be discriminated according to the calculated value indicating the matching or the amount of the value, and displays the display information of the signature display screen 700 described later. Include in.

Then, the signature processing unit 115 determines whether or not the transaction confirmation instruction has been accepted (step S207). Specifically, the signature processing unit 115 determines whether or not the input related to the transaction confirmation instruction has been accepted on the signature display screen 700.

When the transaction confirmation instruction is received (in the case of "Yes" in step S207), the transaction processing unit 114 confirms the transaction (step S208). Specifically, the transaction processing unit 114 executes the processing of the executed transaction until the completion. Then, the signature processing unit 115 ends the signature processing.

If the agent has no signature history (in the case of "No" in step S203) or if the agent of the account holder is the first time (in the case of "Yes" in step S204), the signature processing unit 115 The signature data is transmitted to the account holder (step S209). Specifically, the signature processing unit 115 sends data including the signature input data received in step S202 to the account holder terminal 300 owned by the account holder, a predetermined e-mail address, an account, etc. in a predetermined format. Send (eg, by HTML format email).

Then, the signature processing unit 115 determines whether or not the signature has been approved within a predetermined time (step S210). Specifically, the signature processing unit 115 checks at any time whether or not the input of the approval instruction accompanying the signature data transmitted to the account holder terminal 300 is accepted from the account holder terminal 300 until a predetermined time elapses. If approved (in the case of "Yes" in step S210), the control proceeds to step S207.

If the signature is not approved within the predetermined time (“No” in step S210), it is determined whether or not the call has been answered within the predetermined time (step S211). Specifically, the signature processing unit 115 makes a call to the account holder terminal 300 or a telephone number capable of making a voice call with a predetermined account holder, and has the call been answered (call established) within a predetermined time? Judge whether or not.

When the call is answered within the predetermined time (in the case of "Yes" in step S211), the signature processing unit 115 proceeds to control to step S207.

If the call is not answered within the predetermined time (in the case of "No" in step S211) or if the transaction confirmation instruction is not accepted (in the case of "No" in step S207), the transaction processing unit 114 , The transaction is terminated (step S212). Specifically, the transaction processing unit 114 cancels and ends the processing of the transaction being carried out. Then, the signature processing unit 115 ends the signature processing. In this case, in step S107 of transaction processing, the signature processing unit 115 does not update the signature of step S107, and in step S108 of transaction processing, the transaction processing unit 114 performs the transaction of the transaction history storage unit 124. It is assumed that the type 124E stores the reason for canceling the transaction (for example, "the transaction place is not as planned").

The above is the flow of signature processing. According to the signature process, the signature data input by using the external relations support terminal 200 can be compared with the past signature, and the correctness of the signature can be easily confirmed visually and by the index value. If there is no past signature data, the signature data can be sent to the account holder terminal 300 for visual confirmation by the account holder, or by making a phone call and receiving verbal confirmation. Since the correctness can be confirmed, it is possible to carry out transactions with higher reliability.

FIG. 11 is a diagram showing an example of an output screen of transaction application processing. An example of the output screen of the transaction application process is the transaction application screen 400. The transaction application screen 400 is a screen for generating data of the request accepted in step S001 of the transaction application process. In the transaction application screen 400 of the present embodiment, the Internet browser of the account holder terminal 300 controls the event, but the event is not limited to this, and the account holder terminal 300 controls according to the implementation format. Anything that does

On the transaction application screen 400, the customer name 401, the desired transaction date 402, the transaction time 403, the transaction location selection 404, the transaction type selection 405, the trader selection 406, the transaction clothing color selection 407, and the handling amount It is provided with an input receiving area of 408. Further, on the transaction application screen 400, an application instruction reception button 409, a transaction application addition instruction reception button 410, and a back button 411 are displayed.

When the application instruction reception button 409 accepts the input, the browser creates the transaction application request data using the information input in the input reception area and sends it to the transaction management device 100. When the transaction application addition instruction reception button 410 accepts the input, the browser creates the transaction application request data using the information input in the input reception area, displays a new input reception area, and makes an additional transaction application. Accept. When the back button 411 accepts the input, the browser returns the process to the screen before the display of the transaction application screen 400.

FIG. 12 is a diagram showing another output screen example of the transaction application process. Another output screen example of the transaction application process is the temporary agent setting screen 450. The temporary agent setting screen 450 is a screen for accepting the setting of the temporary agent transmitted in step S003 of the transaction application process. In the temporary agent setting screen 450 in the present embodiment, the Internet browser of the account holder terminal 300 controls the event, but the event is not limited to this, and the account holder terminal 300 is not limited to this. Should be the one that controls.

The temporary agent setting screen 450 includes an input receiving area for the customer name 451, the temporary agent name 452, and the relationship 453 with the customer. Further, on the temporary agent setting screen 450, an application instruction reception button 459, a transaction application addition instruction reception button 460, and a back button 461 are displayed.

When the application instruction reception button 459 accepts the input, the browser creates the transaction application request data using the information input in the input reception area and sends it to the transaction management device 100. When the transaction application addition instruction reception button 460 accepts the input, the browser creates the transaction application request data using the information input in the input reception area, displays a new input reception area, and makes an additional transaction application. Accept. When the back button 461 accepts the input, the browser returns the process to the screen before the display of the temporary agent setting screen 450.

FIG. 13 is a diagram showing an example of an output screen for signature processing. An example of the output screen of the signature process is the signature input screen 500. The signature input screen 500 is a screen for transmitting the handwriting input information received in step S202 of the signature process to the transaction management device 100. In the signature input screen 500 of the present embodiment, the Internet browser of the external relations support terminal 200 controls the event, but the event is not limited to this, and the external relations support terminal 200 controls according to the implementation format. Anything is fine.

The signature input screen 500 includes a transaction content display area 501 for displaying information including a customer name, a signer, a transaction, and a handling amount, and a signature field 502 for receiving handwriting input data. The signer is displayed with the name of a person previously set as the signer in the transaction reservation, or the name of the trader if input is made in step S201. Further, on the signature input screen 500, a back button 503 and a signature confirmation instruction reception button 504 are displayed.

When the signature line 502 accepts the handwriting input, the browser starts the process of accepting the input as handwriting data. When the signature confirmation instruction reception button 504 accepts the input, the browser transmits the handwriting data input in the signature line 502 to the transaction management device 100. When the back button 503 accepts the input, the browser returns the process to the screen before the display of the signature input screen 500.

FIG. 14 is a diagram showing another output screen example of the signature process. Another output screen example of the signature process is the multiple transaction signature screen 600. The plurality of transaction signature screens 600 is a screen for transmitting the input information of the handwriting received in step S202 of the signature process to the transaction management device 100 when a plurality of transactions are collectively performed. In the multiple transaction signature screen 600 of the present embodiment, the Internet browser of the external relations support terminal 200 controls the event, but the event is not limited to this, and the external relations support terminal 200 controls according to the implementation format. Anything you do will do.

The multiple transaction signature screen 600 has a display area of a transaction content display area 601 for displaying information including a customer name, a transaction, a handling amount, and a signer for a plurality of transactions, and a signature field 602 for receiving handwriting input data. Be prepared. The signer is displayed with the name of a person previously set as the signer in the transaction reservation, or the name of the trader if input is made in step S201. Further, on the plurality of transaction signature screen 600, a back button 603 and a signature confirmation instruction reception button 604 are displayed.

When the signature line 602 accepts the handwriting input, the browser starts the process of accepting the input as handwriting data. When the signature confirmation instruction reception button 604 accepts the input, the browser transmits the handwriting data input in the signature line 602 to the transaction management device 100. When the back button 603 accepts the input, the browser returns the process to the screen before the display of the multiple transaction signature screen 600.

FIG. 15 is a diagram showing another output screen example of the signature process. Another output screen example of the signature process is the signature display screen 700. The signature display screen 700 communicates the input information of the handwriting received in step S202 of the signature process, the latest signature data specified in step S205, and the information indicating the degree of matching of the handwriting calculated in step S206. This screen is shown on the support terminal 200 and accepts a transaction confirmation instruction. In the signature display screen 700 of the present embodiment, the Internet browser of the external relations support terminal 200 controls the event, but the event is not limited to this, and the external relations support terminal 200 controls according to the implementation format. Anything is fine.

On the signature display screen 700, the signature management information display area 701 that displays information including the customer name and the signer for the transaction, the previous signature display area 702 that displays the latest signature data as an image, and the input handwriting data are displayed. It includes a display area of this time signature display area 703 for displaying an image and a match display area 704 for displaying a graph (valometer) of the degree of matching. The signer is displayed with the name of a person previously set as the signer in the transaction reservation, or the name of the trader if input is made in step S201. Further, on the signature display screen 700, a back button 705, a transaction confirmation instruction reception button 706, and a customer confirmation request instruction reception button 707 are displayed.

When the transaction confirmation instruction reception button 706 accepts the input, the browser transmits the transaction confirmation instruction to the transaction management device 100. When the back button 705 accepts the input, the browser returns the process to the screen before the display of the multiple transaction signature screen 600. The customer confirmation request instruction reception button 707 receives an instruction to transfer control to step S209 of the signature process when it is necessary to transmit signature data to the account holder terminal 300 and obtain approval. In that case, the transaction management device 100 advances the control to step S209 of the signature processing for the transaction.

FIG. 16 is a diagram showing an example of a signature confirmation screen for signature processing. The signature confirmation screen 800 is a screen that shows the input information of the handwriting received in step S202 of the signature process to the account holder terminal 300 and accepts a signature approval instruction. In the signature confirmation screen 800 of the present embodiment, the Internet browser of the account holder terminal 300 controls the event, but the event is not limited to this, and the account holder terminal 300 controls according to the implementation format. Anything that does

The signature confirmation screen 800 includes a signature management information display area for displaying information including a customer name display area 801, a trader display area 802, and a signature display area 803 for displaying the handwriting data of the input signature as an image. , An explanatory area 804 showing a sentence explaining a signature and an operation to be performed by the account holder, and a display area. In the trader display area 802, the name of a person set in advance as a signer in the transaction reservation, or the name of the trader if input is made in step S201 is displayed. Further, on the signature confirmation screen 800, a back button 807, a signature approval instruction acceptance button 805, and a signature denial instruction acceptance button 806 are displayed.

When the signature approval instruction reception button 805 accepts the input, it transmits an instruction to approve the signature to the transaction management device 100. When the back button 807 accepts the input, the process returns to the screen before the display of the signature confirmation screen 800. When the signature denial instruction acceptance button 806 accepts the input, the browser sends an instruction to approve the signature to the transaction management device 100.

FIG. 17 is a diagram showing an example of a signature determination screen for signature processing. The signature determination screen 900 is another output example of the signature confirmation screen 800. The signature determination screen 900 accounts for the input information of the handwriting received in step S202 of the signature process, the latest signature data specified in step S205, and the information indicating the degree of matching of the handwriting calculated in step S206. This screen is shown on the holder terminal 300 and accepts a signature approval instruction. In the signature determination screen 900 of the present embodiment, the Internet browser of the account holder terminal 300 controls the event, but the event is not limited to this, and the account holder terminal 300 controls according to the implementation format. Anything that does

On the signature determination screen 900, a signature management information display area for displaying information including a customer name 901 and a trader 902, a previous signature display area 903 for displaying an image of the latest signature data, and input handwriting data are displayed on the signature determination screen 900. This time, the signature display area 904 for displaying the image and the matching display area 905 for displaying the degree of matching in a graph (barometer) are provided. In addition, the trader is displayed with the name of the person set in advance in the transaction reservation as the signer, or the name of the trader if input is made in step S201. Further, on the signature determination screen 900, a back button 908, a signature approval instruction acceptance button 906, and a signature denial instruction acceptance button 907 are displayed.

When the signature approval instruction reception button 906 accepts the input, the browser sends an instruction to approve the signature to the transaction management device 100. When the back button 908 accepts the input, the browser returns the process to the screen before the display of the signature determination screen 900. When the signature denial instruction reception button 907 accepts the input, the browser sends an instruction to denial the signature to the transaction management device 100.

The transaction management system 1 to which the embodiment of the present invention is applied has been described above. According to the embodiment, the reliability of the transaction can be improved.

The present invention is not limited to the above embodiments. The above embodiments can be modified in various ways within the scope of the technical idea of the present invention. For example, in the above embodiment, in order to confirm the validity of a transaction, the content of the transaction set in advance, the trader, and the place of transaction are limited, and the certainty of the signature is confirmed by comparing with the past signature. However, it is possible to confirm with the account holder, but it is not limited to this. For example, in addition, a verbal password including whether or not the trader's voiceprint is similar to a pre-registered voiceprint, the trader's retina authentication, authentication to read a physical IC card or memory, fingerprint authentication, etc. The legitimacy of the agent may be confirmed in relation to various security confirmation elements.

Also, for example, the legitimacy of the staff in charge of public relations may be confirmed. For example, it may be determined in advance whether or not the IC card (identification card, etc.) held by the staff matches that of the staff who will be in charge of the transaction, or the superior or management at the start of the transaction. The transaction processing may be started only when the person is notified and the approval is obtained. By doing so, it is possible to prevent spoofing of staff, fictitious transactions, and moral hazard.

Further, for example, the external relations support terminal 200 is not limited to the one that communicates with the transaction management device 100 in real time. For example, a part of the transaction is performed on the terminal without communication, and the unprocessed part is transaction management. It may be carried out when communicating with the device 100. In that case, the past signature data by the trader is taken in at the same time when the transaction schedule is taken into the external relations support terminal. Further, in the case of custody business or the like, the external affairs support terminal 200 can output form data such as a custody slip for certifying that the personal information has been deposited from a printer or the like connected to the external affairs support terminal 200.

Further, for example, in the above embodiment, not only the previous signature but also a plurality of past signatures of the signer may be displayed on the signature display screen 700 shown in FIG. 15 and the signature determination screen 900 shown in FIG. By doing so, the fluctuation of the handwriting related to the signature can be visually confirmed, and it can be used as a material for judging the validity of the handwriting of the signature this time.

Further, for example, in the above embodiment, on the signature display screen 700 shown in FIG. 15 and the signature determination screen 900 shown in FIG. 17, not only the previous signature but also a plurality of past signatures of the signer are used and averaged by a predetermined algorithm. Alternatively, it may be combined and displayed. By doing so, the handwriting can be confirmed by acclimatizing the fluctuation of the handwriting related to the signature, and it can be used as a material for judging the validity of the handwriting of the signature this time.

Further, in the above embodiment, the signature display screen 700 shown in FIG. 15 and the signature determination screen 900 shown in FIG. 17 may display the consistency with the averaged or synthesized signature. By doing so, it is possible to adjust the fluctuation of the handwriting related to the signature and confirm the consistency of the handwriting, and it can be used as a material for judging the validity of the handwriting of the signature this time.

Further, the technical elements of the above-described embodiment may be applied independently, or may be applied separately in a plurality of parts such as a program component and a hardware component.

The present invention has been described above with a focus on embodiments.

1 ... Transaction management system, 50 ... Network, 100 ... Transaction management device, 110 ... Control unit, 111 ... Transaction reservation reception unit, 112 ... Schedule interlocking processing unit, 113 ... -Normal transaction judgment unit, 114 ... transaction processing unit, 115 ... signature processing unit, 120 ... storage unit, 121 ... transaction reservation storage unit, 122 ... schedule storage unit, 123 ... Signature storage unit, 124 ... Transaction history storage unit, 130 ... Communication unit, 200 ... External relations support terminal, 210 ... Display unit, 220 ... Input reception unit, 230 ... Communication unit, 240 ... Position acquisition unit, 250 ... Imaging unit, 300 ... Account holder terminal, 310 ... Display unit, 320 ... Input reception unit, 330 ... Communication unit

The present application includes a plurality of means for solving at least a part of the above problems, and examples thereof are as follows. The transaction management device according to one aspect of the present invention electronically stores the handwritten signature information of the trader for each trader who conducts the transaction on behalf of the account holder who is the holder of the account in the transaction related to the account. A storage unit for accepting reservations together with information specifying the situation at the time of the transaction for the transaction, a normal transaction determination unit for determining whether or not the above situation is satisfied for the transaction, and the above situation. The signature processing unit includes a transaction processing unit that processes the transaction when satisfied, and a signature processing unit that accepts the input of a handwritten signature by the trader in the processing process of the transaction, and the signature processing unit accepts the input of the handwritten signature. And, the past handwritten signature information relating to the trader is read from the storage unit, an output screen is generated in which the handwritten signature is written in comparison with the handwritten signature, and the input of the information indicating the approval of the transaction is not accepted within the predetermined period. In that case, a call is made to a predetermined voice communication device owned by the account holder, and if a response to the call is made within a predetermined period, the transaction processing unit is made to process the transaction, and the call is made. If the response to the call is not made within the predetermined period, the transaction is canceled .

Further, the transaction management method according to another aspect of the present invention is a transaction management method using a transaction management device, wherein the transaction management device includes a control unit and a storage unit, and the storage unit includes a control unit and a storage unit. In the transaction related to the account, the handwritten signature information of the trader is electronically stored for each trader who trades on behalf of the account holder who is the holder of the account, and the control unit performs the predetermined transaction. A transaction reservation acceptance step that accepts a reservation together with information that identifies the situation at the time of transaction and stores it in the storage unit, a normal transaction determination step that determines whether or not the situation related to the reservation is satisfied for the transaction, and the above situation. A transaction processing step of processing the transaction when satisfied and a signature processing step of accepting the input of a handwritten signature by the trader in the processing process of the transaction are executed, and the signature processing step accepts the input of the handwritten signature. And, the past handwritten signature information relating to the trader is read from the storage unit, an output screen is generated in which the handwritten signature is written in comparison with the handwritten signature, and the input of the information indicating the approval of the transaction is not accepted within the predetermined period. In that case, a call is made to a predetermined voice call device owned by the account holder, and if a response to the call is made within a predetermined period, the transaction processing unit is made to process the transaction, and the call is made. If the call is not answered within the predetermined period, the transaction is canceled .

Claims (8)

A storage unit that electronically stores the handwritten signature information of the trader for each trader who trades on behalf of the account holder who is the holder of the account in the transaction related to the account.
A transaction reservation reception unit that accepts reservations for the transaction together with information that identifies the situation at the time of the transaction.
A normal transaction determination unit that determines whether or not the above situation is satisfied for the transaction,
A transaction processing unit that processes the transaction when the above situation is satisfied,
A signature processing unit that accepts input of a handwritten signature by the trader in the process of processing the transaction is provided.
The signature processing unit
When the input of the handwritten signature is accepted, the past handwritten signature information relating to the trader is read from the storage unit, and an output screen is generated in which the handwritten signature is written in comparison with the handwritten signature.
A transaction management device characterized by the fact that. The transaction management device according to claim 1.
When the past handwritten signature information related to the trader is not included in the storage unit, the signature processing unit can view the received handwritten signature to a predetermined other device owned by the account holder. Send,
A transaction management device characterized by the fact that. The transaction management device according to claim 1.
The signature processing unit
If the input of the information indicating the approval of the transaction is not accepted within the predetermined period in response to the input of the handwritten signature, the call is made to the predetermined voice communication device owned by the account holder.
A transaction management device characterized by the fact that. The transaction management device according to claim 3.
When the response to the call is made within a predetermined period, the signature processing unit causes the transaction processing unit to process the transaction.
The transaction processing unit cancels the transaction if the response to the call is not made within the predetermined period.
A transaction management device characterized by the fact that. The transaction management device according to claim 1.
The signature processing unit calculates a predetermined index indicating the degree of matching between the input of the handwritten signature and the past handwritten signature information, and includes the index in the output screen.
A transaction management device characterized by the fact that. The transaction management device according to claim 5.
The signature processing unit includes, in the output screen, a display graphed so that the degree of matching can be discriminated by using the index.
A transaction management device characterized by the fact that. The transaction management device according to claim 1.
The signature processing unit generates a predetermined figure that emphasizes the input of the handwritten signature and the portion different from the past handwritten signature information and includes it in the output screen.
A transaction management device characterized by the fact that. It is a transaction management method using a transaction management device.
The transaction management device includes a control unit and a storage unit.
The storage unit electronically stores the handwritten signature information of the trader for each trader who conducts a transaction on behalf of the account holder who is the holder of the account in the transaction related to the account.
The control unit
A transaction reservation acceptance step of accepting a reservation together with information specifying the situation at the time of the transaction for a predetermined transaction and storing it in the storage unit,
A normal transaction determination step for determining whether or not the reservation status is satisfied for the transaction, and
A transaction processing step that processes the transaction if the situation is met, and
In the process of processing the transaction, a signature processing step of accepting the input of a handwritten signature by the trader is executed.
In the signature processing step,
When the input of the handwritten signature is accepted, the past handwritten signature information relating to the trader is read from the storage unit, and an output screen is generated in which the handwritten signature is written in comparison with the handwritten signature.
A transaction management method characterized by that.

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