JP4920386B2 - Transaction inquiry system, transaction inquiry program, and transaction inquiry method - Google Patents

Description

  The present invention relates to a transaction inquiry system, a transaction inquiry program, and a transaction inquiry method that can provide transaction information simply and efficiently.

  Conventionally, an automatic teller machine installed in a bank has been used to confirm account information of a deposit account. Furthermore, various types of information are being provided via the Internet. Deposit account information can be acquired by accessing the bank's web server via the Internet. By using this service, various services such as Internet banking, mobile banking, and telephone banking can be used.

  A financial service system that can satisfy various customer needs related to financial services through such a network such as the Internet has been studied (see, for example, Patent Document 1).

Furthermore, a deposit balance inquiry system capable of making a deposit balance inquiry using a bank site at a low cost has been studied (for example, see Patent Document 2). The deposit balance inquiry system described in this document uses a mobile phone capable of receiving electronic mail, and distributes the customer's deposit balance in a bank to the mobile phone via a network. When a customer accesses a bank site from a mobile phone and makes a request for delivery of the customer's deposit balance through a predetermined authentication procedure, an email document representing the customer's deposit balance is created and the customer's email address Send to.
JP 2001-338125 A (first page) JP 2003-108783 A (first page, FIG. 1)

  Transaction inquiries can be made by using a banking service using a network as described above. However, when using a service such as Patent Document 1 or Patent Document 2, it is necessary to log in to a server that provides a banking service, and the procedure for this login may become complicated. In particular, when logging in using a mobile phone terminal or the like, the user interface of the terminal is limited, and the login operation may be troublesome.

  The present invention has been made in order to solve the above-mentioned problems, and the object of the present invention is to enable a user to make a transaction inquiry by the simplest possible operation while using an existing system in a bank. Another object is to provide a transaction inquiry system, a transaction inquiry program, and a transaction inquiry method for efficiently providing information.

In order to solve the above problems, the invention described in claim 1 is a customer information storage in which authentication information for logging in to the bank service server and contact information of the user are stored for each user. A transaction inquiry system comprising: means; a reference classification storage means for storing a transaction inquiry type corresponding to bank access destination information; and a control means for accessing a bank service server, wherein the control means uses When the inquiry request is received from the user terminal, the sender information of the user terminal is specified, the user is compared with the contact information recorded in the customer information storage means, and the sender information and the If the contact information matches, the inquiry request receiving means for specifying the transaction inquiry type corresponding to the access destination information that has received the inquiry request using the inquiry classification storage means, and the inquiry request acceptor The authentication information of the customer verified by the user is acquired from the customer information storage means, and the session is started by logging in to the bank service server using the authentication information. An instruction corresponding to the transaction inquiry type is transmitted, a transaction inquiry result is obtained from the bank service server, and the session is terminated by logging out from the bank service server. The gist is provided with proxy processing means for obtaining collated contact information and transmitting a notification including a transaction inquiry result obtained from the bank service server to the contact.

  According to a second aspect of the present invention, in the transaction inquiry system according to the first aspect, the customer information storage means stores data relating to a user's mail address as contact information, and an inquiry request from the user terminal. Is obtained by electronic mail, and the transmission source address of the electronic mail is used as transmission source information.

  The invention according to claim 3 is the transaction inquiry system according to claim 1 or 2, further comprising: a deposit account identifier relating to the inquiry request, and inquiry request storage means for recording an inquiry time, wherein the control means includes It further includes additional information confirmation means for specifying an inquiry request that has passed a predetermined time from the inquiry time recorded in the inquiry request storage means, and the proxy processing means again for the inquiry request specified by the additional information confirmation means, Obtaining customer authentication information verified by the user in the inquiry request accepting means from the customer information storage means, and using the authentication information, logging in to the bank service server to start a session, and the bank service An instruction corresponding to the transaction inquiry type is transmitted to the server, a transaction inquiry result is obtained from the bank service server, and the bank Log out of the service server to end the session, and based on the transaction inquiry result obtained from the bank service server, use the customer information storage means to obtain the contact information verified by the user and send a notification The gist is to do.

  According to a fourth aspect of the present invention, in the transaction inquiry system according to any one of the first to third aspects, the control means acquires a current access number to the bank service server, and a current access number and access. If the current access count exceeds the allowable access count, a waiting order is recorded for the received inquiry request, and the current access count is less than or equal to the allowable access count. In this case, the gist is to execute processing for logging in to the bank service server based on the waiting order.

  The invention according to claim 5 is characterized in that, in the transaction inquiry system according to claim 4, the allowable access number is determined based on congestion situation information acquired from the bank service server.

  The invention according to claim 6 is the transaction inquiry system according to claim 5, wherein the congestion status information includes a response of a response from the bank service server to the request transmitted to the bank service server. The main point is to use time.

  The invention according to claim 7 is the transaction inquiry system according to any one of claims 1 to 6, wherein the customer information storage means stores data related to a password corresponding to contact information, The gist of the invention is that the inquiry request receiving means acquires the password recorded in the inquiry request, compares it with the password recorded in the customer information storage means, and completes the user verification if they match.

The invention described in claim 8 includes, for each user, customer information storage means for storing authentication information for logging in to the bank service server and user contact information, and bank access destination information. A program for performing a transaction inquiry using a transaction inquiry system comprising an inquiry classification storage means for storing a transaction inquiry type and a control means for accessing a bank service server, wherein the control means comprises: When the inquiry request is received from the user terminal, the sender information of the user terminal is specified, the user is compared with the contact information recorded in the customer information storage means, and the sender information And the contact information match, the inquiry request accepting means for identifying the transaction inquiry type corresponding to the access destination information received the inquiry request using the inquiry classification storage means, User authentication information of the user verified in the association request reception means is acquired from the customer information storage means, and a session is started by logging in to the bank service server using the authentication information, and the bank service An instruction corresponding to the transaction inquiry type is sent to the server, the transaction inquiry result is obtained from the bank service server, the session is terminated by logging out from the bank service server, and the customer information storage means is used. The gist is to function as proxy processing means for acquiring the contact information collated by the user and transmitting a notification including the transaction inquiry result acquired from the bank service server to the contact.

  According to the ninth aspect of the present invention, there is provided customer information storage means for storing authentication information for logging in to the bank service server and user contact information for each user, and bank access destination information. A method for conducting a transaction inquiry using a transaction inquiry system comprising an inquiry category storage means for storing a transaction inquiry type correspondingly and a control means for accessing a bank service server, wherein the control means comprises: When the inquiry request is received from the user terminal, the sender information of the user terminal is specified, the user is compared with the contact information recorded in the customer information storage means, and the sender information If the contact information matches the contact information, an inquiry request reception step for specifying a transaction inquiry type corresponding to the access destination information that has received the inquiry request using the inquiry classification storage means; The authentication information of the customer collated at the reception stage is acquired from the customer information storage means, and the authentication information is used to log in to the bank service server to start a session, and to the bank service server An instruction corresponding to the transaction inquiry type is sent to the bank service server, the transaction inquiry result is obtained from the bank service server, and the session is terminated by logging out from the bank service server. The gist is to perform a proxy processing step of acquiring contact information verified by the user and transmitting a notification including a transaction inquiry result acquired from the bank service server to the contact.

(Function)
According to the invention of claim 1, 8 or 9, when the control means receives the inquiry request from the user terminal, the source information of the user terminal is specified and recorded in the customer information storage means User verification is performed in comparison with contact information. If the source information and the contact information match, the transaction inquiry type corresponding to the access destination information that has received the inquiry request is specified using the inquiry classification storage means. Furthermore, the customer authentication information obtained by the inquiry request accepting means is acquired from the customer information storage means, and the authentication information is used to log in to the bank service server, thereby forming a session. Then, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, the transaction inquiry result is acquired from the bank service server, and the session is terminated by logging out from the bank service server. Next, the customer information storage means is used to acquire the contact information verified by the user, and a notification including the transaction inquiry result acquired from the bank service server is transmitted. Thereby, since a control means represents a user, transaction inquiry can be simply performed only by transmitting an inquiry request to the user. Further, the user does not need to maintain a session between the mobile phone terminal 10 and the net banking server 30, and can obtain the inquiry result even when the session cannot be maintained. On the other hand, by using an existing bank service server, transaction inquiry results can be provided efficiently.

  According to the second aspect of the present invention, the customer information storage means stores data relating to the user's mail address as contact information, obtains an inquiry request from the user terminal by electronic mail, The sender address is used as sender information. Thereby, the inquiry request can be transmitted by electronic mail.

  According to the third aspect of the present invention, the control means specifies an inquiry request for which a predetermined time has elapsed from the inquiry time recorded in the inquiry request storage means. Thereby, the transaction information between time lags from the end of the session to the notification including the transaction inquiry result can be supplemented.

  According to the fourth aspect of the present invention, the control means acquires the password recorded in the inquiry request, compares it with the password recorded in the customer information storage means, and completes the user verification if they match. . Thereby, security can be improved even when a user terminal is stolen.

  According to the fifth aspect of the present invention, the control means obtains the current access number to the bank service server, compares the current access number with the allowable access number, and the current access number exceeds the allowable access number. If so, the waiting order is recorded for the received inquiry request. Then, when the current access number is less than or equal to the allowable access number, a process for logging in to the bank service server is executed based on the waiting order. Thereby, a transaction inquiry result can be provided while reducing the load on the bank service server.

  According to the sixth aspect of the present invention, the allowable number of access is determined based on the congestion situation information acquired from the bank service server. Thereby, a transaction inquiry result can be provided while considering the load status of the bank service server.

  According to the seventh aspect of the present invention, the response time of the response from the bank service server to the request transmitted to the bank service server is used as the congestion situation information. Thereby, a transaction inquiry result can be provided while considering the load status of the bank service server. In particular, since the congestion situation is grasped using the response time, the existing bank service server can be used as it is.

  According to the present invention, it is possible for a user to make a transaction inquiry by an operation as simple as possible, and a bank can efficiently provide information while using an existing system.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. This embodiment demonstrates as a transaction inquiry system, a transaction inquiry program, and a transaction inquiry method used when providing the simple banking service which provides various information using an email.

In this embodiment, as shown in FIG. 1, a bank banking support server 20, a net banking server 30 as a bank service server, and a bank host system 40 are used.
Here, the banking support server 20 receives an e-mail from the mobile phone terminal 10 as a user terminal via the mobile phone network and the Internet.

The banking support server 20 is a computer system for providing a simple banking service. The banking support server 20 includes a control unit 21 as shown in FIG. The control unit 21 receives an electronic mail from the user, accesses an existing net banking server 30, and performs a data management process for providing information to the user. Control unit 21
Has a CPU, RAM, ROM, and the like as control means, and performs processing described later (processing including an inquiry request reception stage, a proxy processing stage, an additional information confirmation stage, etc.). By executing the transaction inquiry program for this purpose, the control unit 21 functions as an inquiry request receiving means 210, a proxy processing means 211, an additional information confirmation means 212, etc., as shown in FIG.

The inquiry request accepting unit 210 performs user authentication of a user who has transmitted an electronic mail from the mobile phone terminal 10. And the reception process of the inquiry request from this user is performed.
The proxy processing unit 211 accesses the net banking server 30 on behalf of the user and executes various processes. The proxy processing unit 211 functions as a user agent, is generated for each inquiry request, and executes processing to be described later.

The additional information confirmation unit 212 confirms additional information generated at a predetermined time from the first provision of information, and executes a process for providing additional information when there is a change.
The banking support server 20 includes a customer data storage unit 22 as customer information storage means, an address category data storage unit 23 as inquiry category storage means, and a transaction inquiry request data storage unit 24 as inquiry request storage means. .

  As shown in FIG. 2, a customer record 220 relating to a customer who is a user of the simple banking service is recorded in the customer data storage unit 22. This customer record 220 is recorded when a user of an existing Internet banking service makes an application for use of the simple banking service and this application is registered. The customer record 220 includes data relating to an email address as contact information, a customer account identifier, a customer identification identifier, and a password.

In the mail address data area, data related to the mail address of each user of the simple banking service is recorded.
In the customer account identifier data area, data relating to an identifier for specifying a deposit account held by the user in a bank providing a simple banking service is recorded. This customer account identifier is composed of a main branch code, a deposit type code, and an account number. If the user has a plurality of deposit accounts, a plurality of customer account identifiers are recorded.

Data relating to an identifier for identifying a user of the internet banking service is recorded in the customer identification identifier data area.
In the password data area, authentication information necessary for user authentication when various processes are performed using the Internet banking service is recorded.

  As shown in FIG. 3, the address classification data storage unit 23 records an address classification record 230 for specifying a transaction type desired by the user. This address classification record 230 is registered when the transaction type is determined in correspondence with the e-mail address (mail address) held by this bank. This address classification record 230 is configured to include data relating to the transaction type identifier in association with the mail address.

  In the mail address data area, data relating to addresses held by the bank is recorded. In the present embodiment, in the simple banking service, an email address is held according to the number of services provided by the bank.

  In the transaction type identifier data area, data relating to an identifier for specifying the transaction type desired by the user is recorded. Specifically, transaction types include balance inquiry, deposit / withdrawal statement inquiry for a predetermined period, point inquiry, and the like.

  As shown in FIG. 4, a transaction inquiry request record 240 relating to an inquiry request from a user is recorded in the transaction inquiry request data storage unit 24. This transaction inquiry request record 240 is recorded when an electronic mail is received from the user's mobile phone terminal 10. The transaction inquiry request record 240 includes data relating to a customer identification identifier, transaction type identifier, inquiry date and time, and an initial transaction inquiry result.

  In the customer identification identifier data area, data relating to an identifier for identifying a user who has made a transaction inquiry request is recorded. This customer specific identifier is determined based on the email address to which the transaction inquiry request was sent.

  In the transaction type identifier data area, data relating to an identifier for specifying a transaction type that is a target of a transaction inquiry request from a user is recorded. This transaction type identifier is determined based on the email address that received the transaction inquiry request.

In the inquiry date / time data area, data related to the date / time when the transaction inquiry request from the user is received is recorded.
In the initial transaction inquiry result data area, data relating to the transaction inquiry result in the initial information confirmation process is recorded. An electronic mail including a message generated based on the transaction inquiry result is transmitted to the user who made the transaction inquiry request. For example, the transaction inquiry result includes an account balance of a deposit account, deposit / withdrawal details for a predetermined period, and the like.

  The banking support server 20 is a computer server system that can be accessed using the user's computer terminal 15 via the Internet and provides a so-called Internet banking service.

  The net banking server 30 includes a user authentication data storage unit 32 that records data relating to customer identification identifiers and passwords. When a login request including data relating to a customer identification identifier and password (personal authentication data) is received from the computer terminal 15 that has made access, user authentication is performed using the customer identification identifier and password. When user authentication is completed, various Internet banking services are provided while maintaining a session with the computer terminal 15. In this case, the net banking server 30 accesses the bank host system 40 via a network in the bank and uses account information managed by the bank host system 40.

  The bank host system 40 is a bank computer system and manages data relating to the account holder and account balance of an account opened in the bank. The bank host system 40 includes a deposit account data storage unit. In this deposit account data storage unit, account data relating to a deposit account opened in a bank is recorded. This account data is registered when an account is opened in the bank. The account data includes data relating to an account identifier, a personal identification number, account holder information, deposit / withdrawal history, account balance, and the like.

  In the account identifier data area, data relating to an identifier for specifying an opened account is recorded. In the account holder data area, data for specifying an account holder for the account is recorded. In the deposit / withdrawal history and account balance data area, data relating to deposit / withdrawal details and balance of this account is recorded.

When using the simple banking service of the present embodiment, the user's mobile phone terminal 10 is used. The mobile phone terminal 10 is connected to a base station of a mobile phone network by a known method, and performs a communication process for sending and receiving calls and e-mails, a display unit 11, an input unit 1
2 is provided. This cellular phone network is connected to the banking support server 20 via the Internet.

  The display unit 11 displays e-mail received by the mobile phone terminal 10, user instructions at the time of program execution, and the like. The input unit 12 includes a selector button and a mode change button in addition to the dial number button. In addition to the normal telephone mode, the mobile phone terminal 10 has a mail mode for sending and receiving electronic mail and a program execution mode for executing various programs.

  A processing procedure for providing account information to a user using the system configured as described above will be described. Here, processing is executed in the order of initial information confirmation processing (FIG. 5) and additional information confirmation processing (FIG. 6). In the present embodiment, it is assumed that the user desires information regarding the account balance.

(Initial information confirmation process)
First, the initial information confirmation process will be described. When using the simple banking service, the user transmits an email to the banking support server 20 using the mobile phone terminal 10.

  For this reason, an e-mail transmission process is executed using the cellular phone terminal 10 (step S1-1). First, the mail program of the mobile phone terminal 10 is started by switching to the mail mode for transmitting an e-mail using the input unit 12 of the mobile phone terminal 10. Then, using this mail program, a new electronic mail is created. In this case, the display screen 500 shown in FIG. 7 is output to the display unit 11 of the mobile phone terminal 10. Then, an e-mail address for making a balance inquiry is set out of the addresses given by the bank as the transmission destination address in the e-mail.

  Such a mail address can be registered in the address book of the mobile phone terminal 10. Then, the destination address is set by designating the mail address registered in the address book. Then, by instructing transmission execution using the input unit 12, the mobile phone terminal 10 transmits an e-mail via the mobile phone network. In this case, there is no need to input the subject and message fields, and so-called “blank mail” is transmitted.

  And the control part 21 of the banking assistance server 20 performs an email reception process (step S1-2). Specifically, the e-mail transmitted from the mobile phone terminal 10 is stored for each mail address in a predetermined mail server via the mobile phone network and the Internet. Then, the inquiry request accepting unit 210 of the control unit 21 acquires the received email for each transmission destination address. Here, each electronic mail includes data relating to the sender's mail address as source information.

  Next, the control unit 21 of the banking support server 20 executes a sender verification process (step S1-3). Specifically, the inquiry request accepting unit 210 of the control unit 21 acquires the sender address of the received electronic mail, and confirms whether or not the sender address is registered in the customer data storage unit 22.

  If the sender address is not registered in the customer data storage unit 22 and the user cannot be verified (in the case of “NO” in step S1-4), the control unit 21 of the banking support server 20 checks the initial information. The process ends (step S1-5).

  On the other hand, when the sender address is registered in the customer data storage unit 22 and the user can be verified (“YES” in step S1-4), the control unit 21 of the banking support server 20 A request content specifying process is executed (step S1-6). Specifically, first, the inquiry request accepting unit 210 of the control unit 21 records, in correspondence with the received e-mail, the customer identification identifier for which user verification has been performed, and data related to the date and time when the transaction inquiry request is received. The transaction inquiry request record 240 is generated and recorded in the transaction inquiry request data storage unit 24.

  Next, the inquiry request receiving unit 210 acquires the transmission destination address of the received electronic mail, and acquires the transaction type identifier corresponding to the transmission destination address from the address classification data storage unit 23. Then, the inquiry request receiving means 210 records this transaction type identifier in the transaction inquiry request record 240. Next, the inquiry request accepting unit 210 specifies the transaction inquiry request record 240 and instructs the proxy processing unit 211 to perform an access process.

  And the control part 21 of the banking assistance server 20 performs the access process to the net banking server 30 (step S1-7). Specifically, the proxy processing unit 211 of the control unit 21 acquires the access destination address (URL) of the net banking server 30 held in a predetermined memory in the banking support server 20. Then, the access destination address is accessed. Thereby, a session is started between the banking support server 20 and the net banking server 30. Then, the proxy processing unit 211 acquires user authentication screen data from the net banking server 30. This user authentication screen is provided with input fields for a customer identification identifier and a password.

  Next, the control unit 21 of the banking support server 20 executes a login process to the net banking server 30 (step S1-8). Specifically, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 from the customer data storage unit 22 using the customer identification identifier of the transaction inquiry request record 240 instructed from the inquiry request receiving unit 210. Then, the proxy processing unit 211 acquires the password recorded in the customer record 220.

  Next, the proxy processing unit 211 generates a login request using a data format in the case of performing transmission processing by setting a customer identification identifier and a password on the user authentication screen acquired from the net banking server 30. Then, the proxy processing unit 211 transmits the generated login request to the net banking server 30. This login request includes data relating to the customer identification identifier and password.

  The net banking server 30 that has received the login request executes user authentication processing (step S1-9). Specifically, the net banking server 30 confirms whether the customer identification identifier and password included in the login request are registered in the user authentication data storage unit 32. Thereby, the net banking server 30 determines whether or not the access is by a user who can use the internet banking service.

  When the user authentication is completed, the net banking server 30 transmits menu screen data of the internet banking service to the banking support server 20 to the sender of the login request (here, the banking support server 20). This menu screen includes item data for specifying request contents.

Next, the control unit 21 of the banking support server 20 executes an inquiry request process (step S1-10), and the net banking server 30 executes an inquiry request acquisition process (step S1-11). Specifically, the proxy processing unit 211 of the control unit 21 uses the data format that is transmitted when an item is selected on the menu screen based on the transaction type identifier recorded in the transaction inquiry request record 240. Generate a specific notification. Then, the proxy processing unit 211 transmits the generated transaction type specification notification to the net banking server 30.

  The net banking server 30 that has received the transaction type specification notification acquires the user-authenticated user's deposit account from the bank host system 40, and generates deposit account confirmation screen data in which this deposit account is displayed as a list. In this deposit account confirmation screen, a selection field for selecting an account for which acquisition of an account balance is desired is provided. Then, the net banking server 30 transmits the deposit account confirmation screen data to the banking support server 20.

  The control unit 21 of the banking support server 20 that has acquired the deposit account confirmation screen data executes a customer account specifying process. Specifically, the proxy processing unit 211 of the control unit 21 sends a customer record 220 (transmission of an e-mail for which user verification has been performed) including the customer identification identifier of the transaction inquiry request record 240 instructed from the inquiry request accepting unit 210. A customer record 220) that includes the customer address.

  Next, the proxy processing unit 211 uses the customer account identifier recorded in the customer record 220 to specify the customer account for which transaction inquiry is performed in the deposit account confirmation screen data. Then, the proxy processing unit 211 generates a deposit account specification notification using a data format when a customer account identifier is selected on the deposit account confirmation screen and transmission processing is performed. Then, the proxy processing unit 211 transmits the generated deposit account specification notification to the net banking server 30.

  The net banking server 30 that has received the deposit account specification notification executes information acquisition processing from the bank host system 40 (step S1-12). Specifically, the net banking server 30 transmits processing related to the inquiry content item acquired from the banking support server 20 to the bank host system 40 for the selected user's deposit account. Then, the net banking server 30 acquires a transaction inquiry result from the bank host system 40. In the present embodiment, the transaction inquiry result includes data related to the account balance of the user's deposit account. Then, the net banking server 30 returns the transaction inquiry result to the banking support server 20. Specifically, the net banking server 30 generates display screen data for outputting a transaction inquiry result from the bank host system 40 and transmits the display screen data to the banking support server 20.

  The control unit 21 of the banking support server 20 that has received the display screen data executes a logout process (step S1-13). Specifically, the proxy processing unit 211 of the control unit 21 transmits a logout request to the net banking server 30. As a result, the session between the banking support server 20 and the net banking server 30 is terminated.

  Next, the control unit 21 of the banking support server 20 executes an e-mail generation process (step S1-14). Specifically, first, the proxy processing unit 211 of the control unit 21 specifies the transaction inquiry request record 240 and confirms whether or not the initial transaction inquiry result is registered. At the stage of the initial information confirmation process, the transaction inquiry request record 240 does not record data relating to the initial transaction inquiry result. As described above, when the initial transaction inquiry result is not registered, the proxy processing unit 211 generates an e-mail including data regarding the transaction inquiry result acquired from the bank host system 40 via the net banking server 30. This e-mail includes only data relating to transaction inquiry time and amount (here, account balance) as a message based on the initial transaction inquiry result.

The control unit 21 of the banking support server 20 executes inquiry result transmission processing (step S1-15). Specifically, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 including the customer identification identifier of the transaction inquiry request record 240 from the customer data storage unit 22. Then, the proxy processing unit 211 acquires the mail address recorded in the customer record 220, and transmits an e-mail in which this mail address is set as the transmission destination address. Further, the proxy processing unit 211 of the control unit 21 records data on the initial transaction inquiry result in the transaction inquiry request record 240.

  Then, the cellular phone terminal 10 executes an e-mail reception process (step S1-16). Specifically, the mobile phone terminal 10 is switched to the mail mode to execute the e-mail receiving process. In this case, the display screen 510 shown in FIG. 7 is output to the display unit 11 of the mobile phone terminal 10. The display screen 510 displays information related to transaction inquiry time and amount. Thereby, the user can grasp the balance of the deposit account.

(Additional information confirmation process)
Next, additional information confirmation processing will be described.
The control unit 21 of the banking support server 20 executes a request mail extraction process (step S2-1). Specifically, the additional information confirmation unit 212 of the control unit 21 periodically searches the transaction inquiry request data storage unit 24 and extracts the remaining transaction inquiry request records 240.

  Next, the control unit 21 of the banking support server 20 executes an elapsed time confirmation process (step S2-2). Specifically, the additional information confirmation unit 212 of the control unit 21 acquires the current time from the system timer, and calculates the elapsed time from the inquiry date and time recorded in the transaction inquiry request record 240. Then, the additional information confirmation unit 212 compares this elapsed time with the reference time held by the additional information confirmation unit 212.

  If the elapsed time does not exceed the reference time (in the case of “NO” in step S2-2), the control unit 21 of the banking support server 20 continues to wait (step S2-3).

  On the other hand, when the elapsed time exceeds the reference time (in the case of “YES” in step S2-2), the control unit 21 of the banking support server 20 proceeds to the net banking server 30 as in step S1-7. The access process is executed (step S2-4). Specifically, the additional information confirmation unit 212 of the control unit 21 specifies the transaction inquiry request record 240 and instructs the proxy processing unit 211 to perform an access process. Thereby, a session is restarted between the banking support server 20 and the net banking server 30.

  And the control part 21 of the banking assistance server 20 performs a login process to the net banking server 30 (step S2-5). Here, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 from the customer data storage unit 22 using the customer identification identifier of the transaction inquiry request record 240 instructed from the additional information confirmation unit 212. Then, the proxy processing unit 211 acquires the password recorded in the customer record 220.

  Next, the proxy processing unit 211 generates a login request using a data format in the case of performing transmission processing by setting a customer identification identifier and a password on the user authentication screen acquired from the net banking server 30, and the net banking server 30. Send to. This login request includes data relating to the customer identification identifier and password.

  The net banking server 30 that has received the login request executes a user authentication process (step S2-6). Also in this case, the net banking server 30 executes the process in the same manner as in step S1-9.

Next, the control unit 21 of the banking support server 20 executes the inquiry request process similarly to step S1-10 (step S2-7), and the net banking server 30 also performs the inquiry request acquisition process similarly to step S1-11. Is executed (step S2-8).

  Next, the control unit 21 of the banking support server 20 executes information acquisition processing from the bank host system 40 (step S2-9). Also in this case, the net banking server 30 executes processing in the same manner as in step S1-12.

  The control unit 21 of the banking support server 20 that has received the display screen data executes a logout process from the net banking server 30 (step S2-10). Also in this case, the proxy processing unit 211 of the control unit 21 executes the process in the same manner as in step S1-13.

  Next, the control unit 21 of the banking support server 20 executes a process for confirming whether or not there is a change (step S2-11). Specifically, the proxy processing unit 211 confirms whether or not there is an initial transaction inquiry result of the transaction inquiry request record 240. At the stage of the additional information confirmation process, the transaction inquiry request record 240 records data relating to the initial transaction inquiry result in the initial information confirmation process. As described above, when the initial transaction inquiry result is registered, the transaction inquiry result acquired this time is compared with the initial transaction inquiry result recorded in the transaction inquiry request record 240.

  As a result of the comparison between the two, if there is no change to the initial transaction inquiry result (in the case of “NO” in step S2-11), the control unit 21 of the banking support server 20 executes a standby process end process ( Step S2-12). In this case, the proxy processing unit 211 of the control unit 21 notifies the additional information confirmation unit 212 that there is no change in the transaction inquiry request record 240. Then, the additional information confirmation unit 212 deletes the transaction inquiry request record 240 from the transaction inquiry request data storage unit 24.

  On the other hand, when there is a change with respect to the initial transaction inquiry result (in the case of “YES” in step S2-11), the control unit 21 of the banking support server 20 executes an additional email generation process (step S2). -13). The proxy processing unit 211 of the control unit 21 generates an e-mail including data related to the transaction inquiry result acquired from the bank host system 40 via the net banking server 30. This e-mail includes only data relating to the difference between the transaction inquiry time and the initial transaction inquiry result as a message based on the current transaction inquiry result. In the case of balance inquiry, the current account balance itself is included in the message.

  And the control part 21 of the banking assistance server 20 performs the transmission process of an inquiry result (step S2-14). In this case, the proxy processing unit 211 of the control unit 21 specifies the customer record 220 including the customer identification identifier of the transaction inquiry request record 240 as in step S1-15, and sets the mail address recorded in the customer record 220. Send an email.

  Then, the mobile phone terminal 10 executes an e-mail reception process (step S2-15). Specifically, the mobile phone terminal 10 is switched to the mail mode to execute the e-mail receiving process. In this case, a display screen 520 shown in FIG. 7 is output to the display unit 11 of the mobile phone terminal 10. The display screen 520 displays information related to transaction inquiry time and amount. Thereby, the user can grasp the situation change.

Then, the control unit 21 of the banking support server 20 executes a standby process end process (step S2-12). Specifically, the proxy processing unit 211 of the control unit 21 notifies the additional information confirmation unit 212 that an additional email has been transmitted for the transaction inquiry request record 240. Then, the additional information confirmation unit 212 deletes the transaction inquiry request record 240 from the transaction inquiry request data storage unit 24.

According to this embodiment, the following effects can be obtained.
In the present embodiment, the cellular phone terminal 10 designates a bank mail address and executes an e-mail transmission process (step S1-1). In this case, the control unit 21 of the banking support server 20 executes a sender address matching process (step S1-3). When the sender address is registered, the control unit 21 of the banking support server 20 executes a login process (step S1-8) to the net banking server 30 and executes an inquiry request process (step S1- 10). And the control part 21 of the banking assistance server 20 performs the production | generation process of an email (step S1-14). Thereby, since the control unit 21 of the banking support server 20 makes a transaction inquiry on behalf of the user, the user simply sends an e-mail and makes a transaction inquiry without performing a login procedure. be able to. Further, the user does not need to maintain a session between the mobile phone terminal 10 and the net banking server 30, and can obtain the inquiry result even when the session cannot be maintained. On the other hand, a bank can provide services efficiently by providing the banking support server 20 with respect to the existing net banking server 30 for providing Internet banking services.

  In the present embodiment, the address classification data storage unit 23 stores an address classification record 230 for specifying the transaction type desired by the user. Then, the inquiry request receiving unit 210 acquires the transmission destination address of the received electronic mail, and acquires the transaction type identifier corresponding to the transmission destination address from the address classification data storage unit 23. Thereby, various transaction inquiries can be performed.

  -In this embodiment, the control part 21 of the banking assistance server 20 performs the transmission process of an inquiry result (step S1-15). Specifically, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 including the customer account identifier of the transaction inquiry request record 240 from the customer data storage unit 22. Then, the proxy processing unit 211 acquires the mail address recorded in the customer record 220, and transmits an e-mail in which this mail address is set as the transmission destination address. Thereby, even when an e-mail in which the sender e-mail address is disguised is received, the e-mail can be transmitted to the user registered in the customer data storage unit 22. Therefore, information leakage can be suppressed.

  In the present embodiment, the e-mail to the mobile phone terminal 10 includes only data related to transaction inquiry time and amount as a message based on the initial transaction inquiry result. Thereby, even when a person other than the user who transmitted the inquiry request browses this e-mail, it is difficult to grasp the situation.

  -In this embodiment, the control part 21 of the banking assistance server 20 performs the extraction process of a request mail (step S2-1). The control unit 21 of the banking support server 20 executes elapsed time confirmation processing (step S2-2). When the elapsed time exceeds the reference time (in the case of “YES” in step S2-2), the transaction inquiry is performed again by the processing after step S2-4. Unlike the case where access is performed while continuing a session, there is a case where a time lag occurs when the transaction inquiry result is transmitted by e-mail. By performing additional information confirmation processing, information during this time lag can be additionally acquired.

-In this embodiment, the control part 21 of the banking assistance server 20 performs the confirmation process of the presence or absence of a change (step S2-11). If there is no change to the initial transaction inquiry result (in the case of “NO” in step S2-11), the banking support server 2
The zero control unit 21 executes a standby process end process (step S2-12). Thereby, transmission of unnecessary information can be suppressed.

In addition, you may change each said embodiment as follows.
In the above embodiment, it is assumed that the user desires information regarding the account balance. The contents of the transaction inquiry are not limited to the account balance, and can be applied to the deposit / withdrawal details. In this case, in the additional information confirmation process, only the difference between the deposit / withdrawal details acquired in the initial information confirmation process and the newly acquired deposit / withdrawal details this time is transmitted by e-mail. Thereby, the deposit / withdrawal statement with a change is acquirable.

  In the above embodiment, the control unit 21 of the banking support server 20 executes a process for receiving an e-mail transmitted from the mobile phone terminal 10 (step S1-2). The communication means is not limited to electronic mail, but may be a telephone call. In this case, the telephone number of the user of this simple banking service is recorded in the customer record 220 of the customer data storage unit 22. Then, the telephone number obtained by the caller ID notification service is identified and authenticated (step S1-3). Thereby, it is possible to make an inquiry request using various communication means.

  Moreover, in the said embodiment, the control part 21 of the banking assistance server 20 performs the transmission process of an inquiry result (step S2-14). In this case as well, a call may be made to the telephone number recorded in the customer record 220, and the transaction inquiry result may be notified using automatic speech synthesis.

  In addition, the inquiry result can be transmitted by facsimile. In this case, a call is made to the facsimile number recorded in the customer record 220, and a facsimile document displaying the transaction inquiry result is transmitted.

Thereby, a query result can be acquired using various communication means.
Further, it is possible to separate the communication means for requesting an inquiry and the communication means for notifying the transaction inquiry result. In this case, the customer data storage unit 22 stores the inquiry request source information and the notification destination information for notifying the transaction inquiry result separately.

  In the above embodiment, the control unit 21 of the banking support server 20 executes a sender address matching process (step S1-3). In this case, it is also possible to acquire the terminal number of the mobile phone terminal 10 from the mobile phone carrier (communication company) and to collate the user using this number. For this purpose, in the customer record 220, data relating to the terminal number is further recorded in association with the mail address as the contact information. This terminal identifier is an identifier for specifying the mobile phone terminal used by the user. Thereby, user collation can be performed using information that is difficult to impersonate.

  In the above embodiment, when sending an e-mail, it is not necessary to input each field of the subject and message, and so-called “blank mail” is sent. In this case, a password registered in the customer record 220 of the customer data storage unit 22 in advance can be set in each field of the e-mail subject and message. In this case, the inquiry request accepting unit 210 of the control unit 21 of the banking support server 20 uses the customer record 220 specified by the sender mail address in the customer data storage unit 22 in the sender verification process in step S1-3. Get the password recorded in. Then, the password included in each field of the email is collated with the password recorded in the customer record 220. Thereby, a user can be collated more reliably.

  In the above embodiment, the control unit 21 of the banking support server 20 performs the login process (steps S1-8 and S2-5) following the access process (steps S1-7 and S2-4) to the net banking server 30. Is done. Instead, the banking support server 20 may be configured to change the login processing timing in consideration of the congestion status of the net banking server 30. This process will be described with reference to FIG.

  Here, the proxy processing means 211 of the control unit 21 of the banking support server 20 first transmits an access request (step S3-1). In this case, the control unit 21 acquires the response time by measuring the time until the response is acquired from the net banking server 30 (step S3-2). And the control part 21 compares this response time with the reference | standard response time hold | maintained at the memory in the banking assistance server 20 (step S3-3).

  If the response time is longer than the reference response time (in the case of “NO” in step S3-3), the control unit 21 waits to postpone the login process (step S3-4). Then, the access process is re-executed again at a cycle held in the memory in the banking support server 20 (step S3-1), and the response time is measured again (step S3-2).

  If the response time is shorter than the reference response time (“YES” in step S3-3), a login process is executed. Thereby, when the load of the net banking server 30 is heavy, the inquiry request processing can be distributed. In particular, since the banking support server 20 provides a service without maintaining a session with the user terminal, a certain amount of time can be secured. The load on the net banking server 30 can be reduced while using this spare time.

  In the above embodiment, when the sender is verified or when the transaction inquiry request record 240 whose elapsed time exceeds the reference time is detected, the control unit 21 of the banking support server 20 sequentially performs the access process. Execute. Instead of this, it is also possible to limit the allowable number of accesses from the banking support server 20 to the net banking server 30 and execute the access process within the allowable number of accesses. This process will be described with reference to FIG.

  Here, when receiving the inquiry request from the user terminal, the control unit 21 of the banking support server 20 counts the number of accesses (current number of accesses) in which the session is continued with the net banking server 30 at that time. (Step S4-1). Then, the control unit 21 compares the current access number with the allowable access number held in the memory in the banking support server 20 (step S4-2).

If the current number of accesses is less than the permitted number of accesses ("YES" in step S4-2
In the case of "", an access process is executed. On the other hand, if the current access number exceeds the allowable access number (in the case of “NO” in step S4-2), a waiting order is assigned to the transaction inquiry request record 240 of this inquiry request, and the transaction inquiry is made. Recorded in the request data storage unit 24. In this case, the process for the inquiry request is put on standby (step S4-3).

If any of the sessions with the net banking server 30 is terminated and it is detected that the current number of accesses has decreased (“YES” in step S4-4), the inquiry request accepting means of the control unit 21 210 and the additional information confirmation unit 212 specify the transaction inquiry request record 240 based on the waiting order (step S4-5). Then, it instructs the proxy processing means 211 to execute the access process. Thereby, the load on the net banking server 30 can be reduced by limiting the number of accesses to the net banking server 30. In this case as well, the inquiry information can be provided while using the spare time.

  In the above embodiment, when the sender is verified or when the transaction inquiry request record 240 whose elapsed time exceeds the reference time is detected, the control unit 21 of the banking support server 20 sequentially performs the access process. Execute. Instead, the access processing from the banking support server 20 to the net banking server 30 is executed within the allowable access number determined according to the congestion status of the net banking server 30 (for example, the number of accesses and the CPU operation rate). It is also possible to configure so as to. This process will be described with reference to FIG.

  Here, the memory in the banking support server 20 stores a correspondence table (access allowable number determination table) for determining the allowable number of accesses in correspondence with the congestion status information. And the control part 21 of the banking support server 20 acquires the information regarding congestion condition information (for example, the number of accesses or CPU operation rate) from the net banking server 30 (step S5-1).

  And the control part 21 determines an access allowable number based on the congestion condition information acquired from the net banking server 30 using an access allowable number determination table (step S5-2). Specifically, when the control unit 21 of the banking support server 20 receives an inquiry request from a user terminal, the number of accesses (current number of accesses) in which a session is continued with the net banking server 30 at that time. Are counted (step S5-3).

  Then, the control unit 21 compares the current access number with the allowable access number held in the memory in the banking support server 20 (step S5-4). If the current access number exceeds the access allowable number (in the case of “NO” in step S5-4), a waiting order is assigned to the transaction inquiry request record 240 of this inquiry request, and transaction inquiry request data is obtained. Records in the storage unit 24. In this case, the process for the inquiry request is put on standby (step S5-5).

  Then, the congestion status information is periodically acquired at a cycle held in the memory in the banking support server 20 (step S5-1), and the allowable access number is determined (step S5-2). Further, the current access number is acquired (step S5-3), and the access allowable numbers are compared (step S5-4).

  When the current access number equal to or less than the access allowable number is detected (in the case of “YES” in step S5-4), the inquiry request reception unit 210 and the additional information confirmation unit 212 of the control unit 21 are based on the waiting order. The transaction inquiry request record 240 is specified (step S5-6), and the proxy processing means 211 is instructed to execute access processing. Thereby, the banking support server 20 can provide a service in consideration of the load status of the net banking server 30. Also in this case, it is possible to provide the inquiry information while reducing the load on the net banking server 30 using the spare time.

  Further, in this access permission number determination table, the access permission number may be recorded in correspondence with the response time. In this case, the inquiry request reception unit 210 and the additional information confirmation unit 212 acquire the response time in the access process, and determine the allowable access number according to the response time. In this case, it is possible to determine waiting for an inquiry request without acquiring congestion status information such as the number of accesses and CPU operating rate from the net banking server 30.

In the above embodiment, the proxy processing unit 211 of the control unit 21 has the access destination address (U) of the net banking server 30 held in a predetermined memory in the banking support server 20.
RL). Then, the access destination address is accessed. Instead of this, the network banking server 30 of another bank may be accessed. In this case, the financial institution code is included in the customer account identifier recorded in the customer record 220. Then, a predetermined memory in the banking support server 20 stores an access destination address (URL) of the net banking server of the financial institution corresponding to the financial institution code. Then, the proxy processing unit 211 of the control unit 21 specifies the “URL” of the net banking server 30 based on the financial institution code of the customer account identifier and executes the access process. As a result, even in various financial institutions, a simple mail banking service can be provided using the banking support server 20.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the customer data storage part. Explanatory drawing of the data recorded on the address division data storage part. Explanatory drawing of the data recorded on the transaction inquiry request data storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the display screen output to the display part of a mobile telephone terminal. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Mobile phone terminal, 20 ... Banking support server, 21 ... Control part, 210 ... Inquiry request reception means, 211 ... Proxy processing means, 212 ... Additional information confirmation means, 22 ... Customer data storage part, 23 ... Address classification data, 24 ... Transaction inquiry request data storage unit.

Claims (9)

For each user, customer information storage means for storing authentication information for logging in to the bank service server and contact information of the user, and transaction inquiry type corresponding to the bank access destination information are stored. A transaction inquiry system comprising a reference classification storage means and a control means for accessing a bank service server,
The control means is
When the inquiry request is received from the user terminal, the sender information of this user terminal is specified, and the user verification is performed in comparison with the contact information recorded in the customer information storage means.
If the source information matches the contact information, a query request accepting unit that identifies a transaction query type corresponding to the access destination information that has received the query request using the query classification storage unit;
Obtaining customer authentication information verified by the user in the inquiry request receiving means from the customer information storage means,
By logging in to the bank service server using the authentication information, a session is started, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, and a transaction inquiry result is transmitted from the bank service server. And end the session by logging out of the bank service server,
Using the customer information storage means, obtaining the contact information collated by the user, and a proxy processing means for transmitting a notification including a transaction inquiry result obtained from the bank service server to the contact information. A transaction inquiry system characterized by that. The customer information storage means stores data relating to the user's email address as contact information,
The transaction inquiry system according to claim 1, wherein an inquiry request from a user terminal is acquired by electronic mail, and a transmission source address of the electronic mail is used as transmission source information. An inquiry request storage means for recording a deposit account identifier related to the inquiry request and an inquiry time;
The control means further comprises additional information confirmation means for specifying a query request for which a predetermined time has elapsed from the query time recorded in the query request storage means;
For the inquiry request specified by the additional information confirmation means, the proxy processing means again obtains customer authentication information that has been collated by the inquiry request acceptance means from the customer information storage means,
By logging in to the bank service server using the authentication information, a session is started, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, and a transaction inquiry result is transmitted from the bank service server. And end the session by logging out of the bank service server,
3. The contact information obtained by the user verification is acquired using the customer information storage unit based on a transaction inquiry result acquired from the bank service server, and a notification is transmitted. Transaction inquiry system described in. The control means obtains the current number of accesses to the bank service server, compares the current number of accesses with the number of allowed access,
When the current access number exceeds the access allowable number, record the waiting order for the received inquiry request,
The process for logging in to the bank service server is executed based on the waiting order when the current access number is less than or equal to the allowable access number. The transaction inquiry system according to any one of the above.   5. The transaction inquiry system according to claim 4, wherein the access allowable number is determined based on congestion situation information acquired from the bank service server.   6. The transaction inquiry system according to claim 5, wherein the congestion situation information uses a response time of a response from the bank service server in response to a request transmitted to the bank service server. In the customer information storage means, data relating to a password is recorded corresponding to the contact information,
The inquiry request accepting unit acquires the password recorded in the inquiry request, compares the password recorded in the customer information storage unit, and completes the user verification if they match. The transaction inquiry system according to any one of 1 to 6. For each user, customer information storage means for storing authentication information for logging in to the bank service server and contact information of the user, and transaction inquiry type corresponding to the bank access destination information are stored. A program for performing a transaction inquiry using a transaction inquiry system comprising an inquiry classification storage means and a control means for accessing a bank service server,
The control means;
When the inquiry request is received from the user terminal, the sender information of this user terminal is specified, and the user verification is performed in comparison with the contact information recorded in the customer information storage means.
If the source information matches the contact information, a query request accepting unit that identifies a transaction query type corresponding to the access destination information that has received the query request using the query classification storage unit;
Obtaining customer authentication information verified by the user in the inquiry request receiving means from the customer information storage means,
By logging in to the bank service server using the authentication information, a session is started, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, and a transaction inquiry result is transmitted from the bank service server. And end the session by logging out of the bank service server,
Using the customer information storage means, the contact information that has been collated with the user is acquired, and the contact information is made to function as a proxy processing means for transmitting a notification including the transaction inquiry result acquired from the bank service server to the contact information. A transaction inquiry program. For each user, customer information storage means for storing authentication information for logging in to the bank service server and contact information of the user, and transaction inquiry type corresponding to the bank access destination information are stored. A transaction inquiry system using a transaction inquiry system comprising an inquiry classification storage means and a control means for accessing a bank service server, comprising:
The control means is
When the inquiry request is received from the user terminal, the sender information of this user terminal is specified, and the user verification is performed in comparison with the contact information recorded in the customer information storage means.
If the source information and the contact information match, an inquiry request reception step for specifying a transaction inquiry type corresponding to the access destination information that has received the inquiry request using the inquiry classification storage unit;
Obtaining customer authentication information verified by the user in the inquiry request reception stage from the customer information storage means,
By logging in to the bank service server using the authentication information, a session is started, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, and a transaction inquiry result is transmitted from the bank service server. And end the session by logging out of the bank service server,
A proxy processing step of acquiring contact information verified by the user using the customer information storage means and transmitting a notification including a transaction inquiry result acquired from the bank service server to the contact; A transaction inquiry method characterized by the above.

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