JP5164544B2 - Account management apparatus and account management method - Google Patents

Description

  The present invention relates to an account management apparatus and an account management method for managing an account opened in a financial institution such as a bank.

  Conventionally, goods are bought and sold between individuals using the Internet or the like. For example, a seller posts an article to be sold on a bulletin board on the Internet or puts it on an auction and notifies an unspecified number of people of the article to be sold. The seller waits for contact from the buyer who wishes to purchase the item. When the seller determines the buyer of the item, the seller buys and sells the item with the buyer. In buying and selling goods between such individuals, the seller contacts his / her account established in a financial institution such as a bank, and requests the account to transfer money for buying and selling goods. When the seller confirms that the price has been transferred from the buyer, the seller sends the article to a destination designated by the buyer.

Further, as a method of managing an account opened in a financial institution, it has been proposed to divide a part of a payer's account and use it as a recipient account (see Patent Document 1). This method opens a payee-dedicated recipient account in the payer's account for the payee to be paid based on a request from the payer. The transfer of funds from the payer account to the payee account is performed based on an instruction from the payer. The recipient can perform a withdrawal transaction or the like using the recipient account as a source account by authenticating the recipient account.
JP 2006-260494 A

  However, sellers can use their handle names to hide their real names when posting items they want to sell on bulletin boards on the Internet or for auctions. When you inform the bank account of the bank transfer, you must notify the name of the account. In general, at financial institutions, the identity of the account opener is confirmed with an identification card, such as a driver's license or passport, at the time of opening the account so that the opened account is not used for crimes. Is the account holder's real name. Also, the seller does not know the buyer's identity. Therefore, the seller bears the risk that his / her personal information (name, address, phone number, gender, age, etc.) is leaked from his / her real name notified to the buyer who does not know the identity. Also, many people are reluctant to sell goods using the Internet to avoid this risk burden.

  On the other hand, in the account management proposed in the above-mentioned Patent Document 1, if the buyer divides a part of his / her account and opens a recipient account with the seller as the recipient, the seller will change his / her real name. You can receive the price without disclosing it to the buyer. However, in this case, the buyer must open a recipient account each time he / she purchases an item, and for a recipient account once opened, the balance of the recipient account becomes zero. It cannot be lost. For this reason, a large number of recipient accounts can be created in the buyer's account, which complicates account management. In addition, the seller will receive a price for each item sold or purchased from a recipient account opened by the buyer of the item. In other words, the seller must receive the price from the recipient account opened for the sale of each item for sale, and it takes a lot of trouble to receive the price.

  As described above, in the conventional account management, there is a problem that the person who receives the transfer to the account has to disclose his / her real name to the transfer person and feels anxiety about the security against leakage of personal information. In addition, with the account management proposed in Patent Document 1, there is a problem that the labor involved in the account management of the person performing the transfer and the labor involved in receiving the transfer money of the person receiving the transfer are increased.

  An object of the present invention is to improve security against leakage of personal information of a person who receives a transfer to an account, and to reduce the labor of the person who performs the transfer and the person who receives the transfer, and an account management method Is to provide.

  The account management apparatus according to the present invention is configured as follows in order to solve the above-described problems and achieve the object.

  In this account management apparatus, the account-related information storage means includes a first account that is the same person as the account opener, and a second account that is opened with an arbitrarily set name. Are stored in association with each other. A transaction request receiving means receives a transaction request for an account of a financial institution. The transaction request is input from an ATM installed at a financial institution store, a window terminal, a user's personal computer, or the like. When the transaction request accepting unit accepts a transfer transaction request with the second account as the transfer destination account, the transfer transaction processing unit processes the transfer transaction based on the transfer transaction request. Further, when the transaction request accepting unit accepts a withdrawal transaction request with the second account as the withdrawal account, the withdrawal transaction refusal unit rejects the withdrawal transaction based on the withdrawal transaction request. Further, when the transaction request accepting unit accepts a transfer transaction request between accounts having the second account as the transfer source account, the transfer destination account determining unit is a second account in which the account associated information storage unit is the transfer source account. It is determined whether or not the first account stored in association with this account is a transfer destination account. When the transfer transaction processing unit determines that the transfer destination account determination unit is associated with the first account and the second account, the transfer transaction processing unit processes the transfer transaction based on the transfer transaction request accepted this time. On the other hand, when the transfer transaction processing unit determines that the transfer destination account determination unit is not associated with the first account and the second account, the transfer transaction processing unit rejects the transfer transaction based on the transfer transaction request accepted this time. .

  Therefore, the person who receives the transfer to the account can receive the transfer without disclosing his / her name by telling the person who makes the transfer an account with an arbitrarily set name. For this reason, it is possible to improve the security against leakage of personal information of the person who receives the transfer to the account.

  The second account is associated with the first account opened in the name of the person who opened the second account. This first account is an account opened by confirming the identity of the account opener with an identification card such as a driver's license or passport when the account is opened. The withdrawal transaction using the second account as the withdrawal source account is rejected by the withdrawal transaction refusal means. Further, the transfer transaction from the second account to the first account that is not associated with the second account is rejected by the transfer transaction processing means. For this reason, even if the account of another person that has already been opened is used illegally and a second account is opened, the person who opened this second account withdraws funds from the second account. I can't. However, the transfer transaction from the second account to the first account associated with the second account is processed by the transfer transaction processing means. That is, if it is the 2nd account opened appropriately, money can be withdrawn by once transferring to the 1st account linked | related. In this way, security against the use of the second account for crimes and the like can be ensured, and the labor of the person who makes the transfer and the person who receives the transfer can be reduced.

Further, the difference calculation means, based on the transaction history managed for the second account, when the transaction request accepting means accepts a transfer transaction request between accounts having the second account as the transfer source account. Then, a difference is calculated by subtracting the total amount of the transfer amount from the second account to the transfer destination account from the total amount of the transfer amount from the transfer destination account to the second account according to the current transfer transaction request. The transfer transaction processing means processes the transfer transaction based on the transfer transaction request if the transfer amount based on the transfer transaction request received this time is equal to or less than the difference calculated by the difference calculation means, and the transfer transaction request received this time If the transfer amount based is not less than the difference calculated by the difference calculation means, the transfer transaction based on the transfer transaction request is rejected. With this configuration , the transfer amount can be refunded from the second account to the person who made the transfer to the second account. Therefore, a refund can be made to the person who made the transfer to the second account without notifying the personal information of the person who opened the second account.
In addition, transfer transactions between accounts that use the second account as the transfer source account are also associated with the second account in the same manner as the transfer transactions between the accounts that use the second account as the transfer destination account. If the transaction is with a first account, the transaction is processed, and if the transaction is with an account not associated with the second account, the transaction may be rejected.

  Further, if the transaction request refusal means is configured to reject the transaction request when the biometric information is not authenticated for the transaction request having the second account as the original account, the second account Can be further improved in security against being used for crimes.

  According to the present invention, it is possible to improve security against leakage of personal information of a person who receives a transfer to an account, and to reduce the labor of the person who performs the transfer or the person who receives the transfer.

  Hereinafter, an account management apparatus according to an embodiment of the present invention will be described.

  FIG. 1 is a block diagram showing a configuration of a main part of the account management apparatus. The account management apparatus 1 is installed at the center of a financial institution such as a bank. The account management apparatus 1 manages the balance, transaction history, and the like for each opened account. Accounts managed by the account management apparatus 1 include regular accounts and anonymous accounts. The regular account and the anonymous account will be described later. Further, when there is a transaction request for any of the accounts, the account management device 1 determines whether or not the transaction is possible based on the transaction request. Each time the account management device 1 permits a transaction, the account management apparatus 1 updates the account balance, transaction history, and the like related to the transaction, and manages the account.

  As shown in FIG. 1, the account management apparatus 1 includes a control unit 2, an account management database 3 (hereinafter referred to as an account management DB 3), an account-related information storage unit 4, and a communication unit 5. ing. The control unit 2 controls the operation of each part of the main body and executes various processes. The account management DB 3 is a database that stores account management information for each opened account. Account management information includes account number, name of the account, name of the holder, address information such as telephone number, account type information indicating whether the account is a regular or anonymous account, and balance indicating the balance of the account. Information, history information indicating transaction history for the account, and the like are included (see FIG. 2). An anonymous account is an account that can be opened by a user who has already opened a regular account. In other words, a user who has not opened a regular account cannot open an anonymous account. If the account type information is “1”, it is a regular account, and if it is “0”, it is an anonymous account. The regular account corresponds to the first account referred to in the present invention, and the anonymous account corresponds to the second account referred to in the present invention. The account association information storage unit 4 stores association information indicating the association between the regular account and the anonymous account (see FIG. 3). The association information is information in which an account number of a regular account opened by the same user is associated with an account number of an anonymous account. As described above, since the anonymous account is an account that can be opened by a user who has already opened a regular account, the anonymous account is associated with any regular account.

  In FIG. 2 and FIG. 3, the account whose account number is “111111” is a regular account opened by the right holder “Taro Yamada”, and the account whose account number is “111222” is the right account “ “Taro Yamada” is an anonymous account opened in association with the regular account with the account number “111111”. The name of this anonymous account is “Kazuko Sato”.

  The communication unit 5 controls data communication with devices connected via a public line, a dedicated line, the Internet, or the like. Devices connected to the communication unit 5 are ATMs installed at financial institution stores, window terminals operated by staff, and personal computers of users. The account management apparatus 1 receives a request for a transaction for a managed account from a device connected to the communication unit 5.

  Here, a regular account and an anonymous account will be described. The regular account is an account in which the name and address of the account opener confirmed by a driver's license or a certificate such as a passport are registered as holder information. An anonymous account is an account in which a name, an address, etc. arbitrarily set by the account opener are registered as holder information. Therefore, regarding the anonymous account, even if the information concerning the account holder leaks, the personal information of the actual account opener will not leak. On the other hand, in a financial institution, an account opener of an anonymous account can be specified by holder information of an associated regular account. For this reason, the security with respect to an anonymous account being used for a crime etc. is not reduced.

  Also, anonymous accounts place restrictions on the transactions that can be performed on that account. The regular account is an account that can perform various transactions such as deposit transaction, withdrawal transaction, transfer transaction, and transfer transaction with respect to the account. On the other hand, as shown in FIG. 4, the anonymous account has a limitation on the types of transactions that can be performed. FIG. 4 is a diagram conceptually showing types of transactions that can be performed with an anonymous account. Anonymous accounts cannot be used for deposit or withdrawal transactions. The transfer transaction includes a transaction using an anonymous account as a transfer source account and a transaction using an anonymous account as a transfer destination account. If it is between an anonymous account and the regular account linked | related with this anonymous account, even if an anonymous account is a transfer origin account or a transfer destination account, a transfer transaction can be performed. On the other hand, as for the transfer transaction between the regular account not associated with the anonymous account, the transfer transaction cannot be performed even if the anonymous account is either the transfer source account or the transfer destination account. That is, if the anonymous account is properly opened, the user can withdraw money from the regular account by transferring the funds of the anonymous account to the associated regular account. Moreover, the transfer with respect to an anonymous account can be performed by transferring from a regular account to an anonymous account. Therefore, if the anonymous account is properly established, even if the anonymous account cannot be used for deposit and withdrawal transactions, the user can use the associated regular account to make deposits to the anonymous account. You can withdraw money.

  Transfer transactions include a transfer transaction using an anonymous account as a transfer source account and a transfer transaction using an anonymous account as a transfer destination account. Furthermore, the transfer transaction which uses an anonymous account as a transfer destination account includes a transfer transaction using cash and a transfer transaction between accounts. When the anonymous account is a transfer destination account, it can be performed by a cash transfer transaction or a transfer transaction between accounts. Thus, since there is no restriction | limiting in particular about the transfer transaction which makes an anonymous account a transfer destination, the transfer from an unspecified large number of people can be received with an anonymous account. On the other hand, when the anonymous account is a transfer source account, a transfer transaction can be performed when a preset condition is satisfied. This condition is that the transfer amount is the total of the transfer amounts that have been transferred from the transfer account to the anonymous account in this transfer transaction so far, and the transfer amount that has been transferred from this anonymous account to the transfer account so far. If the amount is less than or equal to the amount of money (difference), a transfer transaction can be performed, and if the amount of transfer is less than or equal to the difference, it cannot be performed. That is, the anonymous account can refund the transferred amount to the transfer source account, but cannot transfer funds not transferred from the account to another account.

  This anonymous account is used, for example, as an account that accepts transfer of the price from the buyer side in the sale of goods between individuals using the Internet or the like. In this case, the seller may disclose the name of the anonymous account to the buyer as a transfer destination account for the price. For this reason, the transfer of the price from this buyer can be received, without revealing it to an unknown buyer without seeing his real name.

  Next, the procedure for opening an anonymous account will be described. As described above, an anonymous account is an account that can be opened by a user who has already opened a regular account and cannot be opened by a user who has not opened a regular account. There are two procedures for opening an anonymous account: dealing with a staff member who performs a procedure at a store of a financial institution, and dealing with a person who conducts a procedure at an ATM installed in the financial institution.

  First, a case where an anonymous account is opened at the window will be described. A user who wishes to open an anonymous account presents a passbook and a card of a regular account that has already been opened at the window, presents an identification card, and requests a staff at the window to open an anonymous account. The clerk confirms whether the presented regular account holder and the user who wishes to open an anonymous account this time are the same person. This confirmation is performed using the current account passbook, card, identification card, current account holder information, etc. managed by the account management apparatus 1. The clerk can check the account management information of the corresponding account stored in the account management apparatus 1 by operating the window terminal. When the clerk confirms that the person is the same person, the clerk confirms the name holder information such as the name of the anonymous account with the user. The user can arbitrarily determine the holder information of the anonymous account. The clerk operates the window terminal to open an anonymous account with the right holder information confirmed by the user. At this time, the account management apparatus 1 registers the account management information related to the anonymous account opened this time in the account management DB 3 based on the information transmitted from the window terminal, and associates the account associated with the anonymous account opened this time. The information is stored in the account association information storage unit 4. In addition, the clerk issues a passbook and a card of the anonymous account opened this time to the user.

  In addition, an attendant does not open an anonymous account, when it cannot be confirmed that the person who established the regular account and the user who wishes to open the anonymous account are the same person.

  Next, a case where an anonymous account is opened in correspondence with the person will be described. The user operates a device such as an ATM to select a process related to opening an anonymous account. First, a device such as an ATM accepts a regular account card and accepts authentication information for authenticating the user. Authentication information includes a personal identification number and biometric information. A device such as an ATM transmits a request for opening an anonymous account including an account number of a regular account and authentication information to the account management apparatus 1.

  In authentication using biometric information, biometric information for collation used for collation with biometric information read from a user is stored in a center or a card. If the card stores biometric information for verification, the ATM or the like uses the biometric information for verification read from the card to authenticate the user. This process is terminated without transmitting the opening request to the account management apparatus 1.

  When the communication unit 5 receives the request for opening an anonymous account, the account management apparatus 1 executes the process shown in FIG. FIG. 5 is a flowchart showing an anonymous account opening process. The account management device 1 authenticates the user based on the authentication information included in the request for opening the anonymous account (s1). In s1, the user is authenticated by the match or mismatch of the passwords. If the user's biometric information is stored at the center, the user is also authenticated by collating the biometric information. If the user cannot be authenticated in s1, the account management apparatus 1 returns a message to that effect to a device such as an ATM (s2), and ends this process. When the user can be authenticated in s1, the account management device 1 transmits a request for inputting holder information such as the name of the anonymous account to a device such as an ATM that has transmitted the request for opening the anonymous account this time (s3). .

  When a device such as an ATM receives a request for input of holder information from the account management apparatus 1, it accepts input of holder information by the user. The user can arbitrarily determine the holder information of the anonymous account. Then, a device such as an ATM returns the holder information received this time to the account management apparatus 1. Upon receiving the holder information (s4), the account management apparatus 1 opens an anonymous account based on the received holder information (s5), and notifies the account number of the opened anonymous account to a device such as an ATM ( s6). In s5, the account management information related to the anonymous account opened this time is registered in the account management DB 3, and the account association information related to the anonymous account opened this time is stored in the account association information storage unit 4.

  In addition, when the account management apparatus 1 is notified of the account number of the anonymous account, the ATM or the like issues the passbook or card of the anonymous account opened this time to the user, and ends this processing.

  Thus, a person who has already opened a regular account can open an anonymous account. In addition, when opening an anonymous account, it is confirmed that the holder of the regular account and the user who opens the anonymous account are the same person, so an anonymous account that cannot be specified by the holder is opened illegally. Can be prevented. In particular, if the number of users who can open anonymous accounts is limited to those who have established regular accounts that require authentication using biometric information such as finger veins, an anonymous account will be opened with the owner of the regular account. It is possible to more reliably determine whether or not the user is the same person, and it is possible to prevent an anonymous account that cannot be specified by the holder from being opened illegally. In addition, if the anonymous account is also an account that requires authentication based on biometric information, it is possible to sufficiently enhance security against use by others who have illegally acquired an anonymous account that has already been opened. That is, it is desirable that the regular account and the anonymous account are accounts that require authentication using biometric information.

  Next, transactions for anonymous accounts will be described. This anonymous account is used as an account that accepts transfers from other people who do not want to know their identity. For example, the seller uses an anonymous account as a transfer account for payment of goods between individuals using the Internet or the like. In this case, the seller only needs to present the name of the arbitrarily set anonymous account to the buyer, and can accept the buyer's transfer without notifying the real name or the like.

  FIG. 6 is a flowchart showing transaction processing in the account management apparatus. The account management apparatus 1 executes the processing shown in FIG. 6 when the communication unit 5 receives a transaction request from a device such as an ATM, a window terminal, or a personal computer. The transaction request received by the communication unit 5 includes authentication information (password or the like) for authenticating the user, the type of transaction, the account number of the account to be transactioned, and the like. The account management apparatus 1 performs user authentication (s11). In s11, the user is authenticated by the authentication information included in the transaction request received this time. If the user cannot be authenticated, the account management device 1 notifies the transaction refusal to the device that has transmitted the transaction request received this time (s12), and ends this processing. In s12, the reason for refusing the transaction is also notified.

  In addition, when the apparatus which transmits a transaction request | requirement authenticates the user by biometric information, when this apparatus cannot authenticate a user by biometric information, without transmitting a transaction request to the account management apparatus 1. The process ends.

  If the account management apparatus 1 can authenticate the user, the account management apparatus 1 determines whether all accounts to be traded are regular accounts (s13). In the withdrawal transaction and the deposit transaction, there is one account that is the object of the transaction, but in the transfer transaction and the transfer transaction between the accounts, there are two accounts that are the object of the transaction. The account management apparatus 1 determines whether or not the transaction requested this time can be performed if all the accounts to be traded are regular accounts (s14). For example, it is determined whether the transaction is a withdrawal transaction within the account balance, whether the transaction is within the account balance of the transfer source account, and whether the transfer transaction is within the account balance of the transfer source account. When the transaction requested this time can be performed, the account management apparatus 1 processes the transaction (s15), notifies the device that has transmitted the transaction request this time (s16), and ends this process. In s15, the transaction history concerning this transaction is added, the account balance is updated, etc., for the corresponding account stored in the account management DB 3. The device to which the transaction permission is notified from the account management device 1 performs withdrawal of money to the user, passbook, return of the card, etc. as necessary. If the account management apparatus 1 determines that the transaction cannot be performed in s14, in s12, the account management apparatus 1 notifies the device that has transmitted the transaction request received this time to reject the transaction, and ends this process.

  If the account management device 1 determines that the account to be traded in s13 includes an anonymous account, the transaction type requested this time is a withdrawal transaction for the anonymous account (s17), or When the transaction is a deposit transaction for an anonymous account (s18), in s12, a transaction refusal is notified to the device that has transmitted the transaction request received this time, and this processing is terminated. That is, even the account opener cannot perform withdrawal transactions or deposit transactions for anonymous accounts.

  Further, when the type of transaction requested this time is a transfer transaction (s19), the account management apparatus 1 determines whether it is a transfer transaction using cash or a transfer transaction between accounts (s20). If the account management device 1 is a cash transfer transaction (in this case, the transfer destination account is an anonymous account), the account management device 1 processes the transfer transaction requested this time (s21) and transmits a transaction permission for the current transaction request. (S22) and the process is terminated. In s21, for the corresponding account stored in the account management DB 3, the transaction history related to the current transaction is added, the account balance is updated, and the like.

  Moreover, if the account management apparatus 1 determines with it being the transfer transaction between accounts, it will determine whether a transfer origin account is an anonymous account (s23). If the transfer source account is not an anonymous account but a regular account (in this case, the transfer destination account is an anonymous account), the account management apparatus 1 determines whether or not the transfer transaction requested this time can be performed (s24). . In s24, it is determined that the transaction can be performed if the transfer amount is within the balance of the transfer source account, and it is determined that the transaction cannot be performed unless the transfer amount is within the balance of the transfer source account. If the account management device 1 determines that the transaction can be performed in s24, the transfer transaction requested this time is processed in s21, and further the transaction permission is notified to the device that has transmitted the current transaction request in s22, and this processing is terminated. To do. If it is determined that the transaction cannot be performed in s24, a transaction rejection is notified to the device that has transmitted the transaction request received this time in s12, and this process is terminated.

  Further, when the account management device 1 determines in s23 that the transfer source account is an anonymous account, the total amount of the transfer amount transferred to the anonymous account from the transfer destination account of the current transfer transaction so far is determined. So far, a difference is calculated by subtracting the total amount of money transferred from this anonymous account to the money transfer destination account of this money transfer transaction (s25). The account management apparatus 1 determines whether or not the transfer amount for the current transfer transaction is equal to or less than the difference calculated in s25 (s26). If it is not less than the difference calculated in s25, the account management apparatus 1 notifies the transaction refusal to the device that has transmitted the transaction request received this time in s12, and ends this process. If the account management apparatus 1 determines that it is equal to or less than the difference calculated in s25, it determines whether or not the transfer transaction requested this time can be performed in s24. In this case, it is determined that the transaction can be performed if the transfer amount is within the balance of the anonymous account that is the transfer source account, and the transaction is determined that the transfer amount is not within the balance of the anonymous account that is the transfer source account. To do.

  In this way, the anonymous account can receive transfers from cash or other accounts. That is, it is possible to receive a transfer from another person simply by disclosing the name of the anonymous account. For this reason, the person who receives the transfer from another person does not need to reveal his / her real name, and the security against leakage of personal information can be improved. Further, the total amount transferred from the anonymous account to another account is equal to or less than the total amount transferred from the other account to the anonymous account. Therefore, since the anonymous account can refund the amount transferred to the account of the person who made the transfer to the anonymous account, the convenience of the user who opened the anonymous account is not reduced. Furthermore, since funds cannot be freely transferred from an anonymous account to another account in a transfer transaction, security against the use of the anonymous account for crimes can be ensured.

Moreover, if the account management apparatus 1 determines with it being a transfer transaction between accounts (s27), it will be related information which the account related information storage part 4 memorize | stores, and between the regular account linked | related and the anonymous account is related. It is determined whether it is a transfer transaction at (s28). In s28, the transfer source account may be a regular account or an anonymous account. If the account management apparatus 1 determines that the transaction is not a transfer transaction between the associated regular account and the anonymous account, in s12, the account management apparatus 1 notifies the device that has transmitted the transaction request received this time to the transaction rejection, and this processing Exit. The account management device determines whether or not the transfer transaction requested this time can be performed if the transfer transaction is between the associated regular account and the anonymous account (s29). In s29, it is determined that the transaction can be performed if the transfer amount is within the balance of the transfer source account, and it is determined that the transaction cannot be performed unless the transfer amount is within the balance of the transfer source account. If the account management device 1 determines that the transaction can be made in s29, it processes the transfer transaction requested this time (s30), further notifies the device that has transmitted the transaction request this time (s31), and performs this process. finish. If it is determined in step s29 that the transaction cannot be performed, in step s12, a transaction rejection is notified to the device that has transmitted the transaction request received this time, and the process is terminated.

In this way, since an anonymous account cannot perform a transfer transaction with a regular account that is not associated with it, as with the transfer transaction described above, even an transfer transaction can be freely transferred from an anonymous account to another account. You can't move funds to. Therefore, security against the use of anonymous accounts for crimes can be ensured.

  In addition, the account management apparatus 1 is the case where the transaction type for the anonymous account is a transaction other than the above-described withdrawal transaction, deposit transaction, transfer transaction, or transfer transaction, for example, a balance inquiry transaction or a passbook entry transaction. Then, a process corresponding to the requested type of transaction is executed (s32).

  Further, from the viewpoint of security against being used for crimes and the like, it is desirable that the regular account and the anonymous account are accounts that require authentication by biometric information. That is, it is desirable to conduct transactions for anonymous accounts on the assumption that user authentication is performed using biometric information. In other words, it is desirable to refuse a transaction for an anonymous account if the user is not authenticated by the biometric information.

  Further, a contact information such as a mail address of the user who opened the anonymous account may be registered in advance, and when the user authentication with respect to the anonymous account fails, the fact may be notified.

It is a block diagram which shows the structure of the principal part of an account management apparatus. It is a figure which shows account management information. It is a figure which shows related information. It is the figure which showed notionally the kind of transaction which can be performed with an anonymous account. It is a flowchart which shows the opening process of an anonymous account. It is a flowchart which shows the transaction processing of an account management apparatus.

Explanation of symbols

1-account management device 2-control unit 3-account management database (account management DB)
4-Account-related information storage unit 5-Communication unit

Claims (4)

In the account management device that stores and manages the transaction history for each opened account,
Account-related information storage means for storing the first account opened by the person's name and the second account opened by the arbitrarily set name in association with each other, the account opener being the same person ,
A transaction request receiving means for receiving a transaction request for a financial institution account;
A transfer transaction processing means for processing a transfer transaction based on the transfer transaction request when the transaction request receiving means receives a transfer transaction request with the second account as the transfer destination account;
A withdrawal transaction refusal means for refusing a withdrawal transaction based on the withdrawal transaction request when the transaction request acceptance means accepts a withdrawal transaction request with the second account as a withdrawal account;
When the transaction request accepting unit accepts a transfer transaction request between accounts having the second account as the transfer source account, the account association information storage unit stores the information in association with the second account that is the transfer source account. A transfer destination account determination means for determining whether the first account is a transfer destination account;
When the transfer destination account determination means determines that the second account that is the transfer source account and the first account that is the transfer destination account are associated with each other, the transfer transaction based on the transfer transaction request received this time If the transfer account determination unit determines that the second account that is the transfer source account and the first account that is the transfer destination account are not associated with each other, based on the transfer transaction request received this time A transfer transaction processing means for rejecting the transfer transaction;
When the transaction request accepting unit accepts a transfer transaction request between accounts having the second account as the transfer source account, based on the transaction history managed for the second account, A difference calculating means for calculating a difference obtained by subtracting the total amount of the transfer amount from the second account to the transfer destination account from the total amount of the transfer amount from the transfer destination account to the second account;
If the transfer amount based on the transfer transaction request received this time is equal to or less than the difference calculated by the difference calculation means, the transfer transaction based on the transfer transaction request is processed, and the transfer amount based on the transfer transaction request received this time is An account management apparatus comprising: a transfer transaction processing unit that rejects a transfer transaction based on the transfer transaction request if the difference is not less than the difference calculated by the difference calculation unit. When the transaction request accepting unit accepts a transfer transaction request between accounts with the second account as the transfer destination account, the account association information storage unit stores the information in association with the second account that is the transfer destination account. A transfer source account determining means for determining whether the first account is a transfer source account,
If the transfer transaction processing means determines that the transfer source account determination means is associated with the second account that is the transfer destination account and the first account that is the transfer source account, the transfer accepted this time When the transfer transaction based on the transaction request is processed, and the transfer source account determination means determines that the second account that is the transfer destination account and the first account that is the transfer source account are not associated with each other, The account management apparatus according to claim 1, wherein a transfer transaction based on the received transfer transaction request is rejected.   The account management according to claim 1 or 2, further comprising transaction request rejection means for rejecting the transaction request when the biometric information is not authenticated for the transaction request using the second account as an original account. apparatus. An account management method executed by an account management apparatus that stores and manages a transaction history for each opened account,
In this account management apparatus, the account opener is the same person, and the first account opened with the person's name is associated with the account associated with the second account opened with the arbitrarily set name. Stored in the information storage means,
Transaction request accepting means accepts a transaction request for an account of a financial institution,
When the transaction request receiving means receives a transfer transaction request with the second account as the transfer destination account, the transfer transaction processing means processes a transfer transaction based on the transfer transaction request,
The withdrawal transaction refusal means rejects the withdrawal transaction based on the withdrawal transaction request when the transaction request acceptance means accepts the withdrawal transaction request with the second account as the withdrawal account,
When the transaction request accepting unit accepts a transfer transaction request between accounts having the second account as the transfer source account, the transfer destination account determination unit is a second account associated information storage unit is the transfer source account. Determine whether the first account stored in association with the account is a transfer account,
If the transfer transaction processing unit determines that the second account, which is the transfer source account, is associated with the first account, which is the transfer destination account, the transfer transaction accepted this time When the transfer transaction based on the request is processed, and the transfer destination account determination means determines that the second account that is the transfer source account and the first account that is the transfer destination account are not associated with each other, it is accepted this time Reject the transfer transaction based on the transfer transaction request ,
Further, when the transaction request accepting unit accepts a transfer transaction request between accounts having the second account as the transfer source account, the difference calculating unit is based on a transaction history managed for the second account. , Calculate the difference by subtracting the total transfer amount from the second account to the transfer account from the total transfer amount from the transfer account to the second account for this transfer transaction request,
If the transfer amount based on the transfer transaction request received this time is less than the difference calculated by the difference calculation unit, the transfer transaction processing unit processes the transfer transaction based on the transfer transaction request, and the transfer transaction request received this time An account management method for rejecting a transfer transaction based on the transfer transaction request if the transfer amount based on the transfer amount is not equal to or less than the difference calculated by the difference calculation means .

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