JP5999642B2 - System and method for recognizing the importance of money - Google Patents

Description

  The present invention relates to a system and method for recognizing the importance of money. In particular, the present invention relates to a system and method for recognizing the importance of money realized in a financial institution system.

  Recently, due to the digitization of money, such as the generalization of account transfers and account transfers, the spread of electronic money cards and credit cards, etc., the opportunity to possess cash has decreased, and the opportunity to realize the importance and appreciation of money has decreased. Yes. In particular, children's sense of money is lacking. For example, we often hear that there are an increasing number of children who believe that money comes from ATMs anytime and can be moved around on the net. In this background, the birthrate is declining and the amount of money that can be spent on children is increasing. So-called “six pockets” (for one child, a total of six wallets for parents and four grandparents. It is thought that this is also related to a social phenomenon called “open”.

  For this reason, the necessity of financial education that values things and money for children has been advocated. For example, in “What's Money Education” in Non-Patent Document 1 below, “Money Education is intended for young children / children / students to value things and money and avoid worrying about wasting resources. It is said to be an education that aims to form a desirable personality through it. "

Bank of Japan Central Committee for Financial Gazettes, “What's Money Education”, [online], [searched September 20, 2012], Internet, <URL: http: //www.shiruporuto.jp/teach/kako/ what />

  Having many opportunities to learn about the importance of money education, especially money, is necessary not only for children but also for adults. Even if you are an adult, if you do not have an appropriate sense of money by the age of high school students, college students, or at the latest, become a member of society, when you become a member of society, you will need a large amount of expenses due to illness or injury For example, the importance of money is often felt for the first time. Or, when you become self-employed and the amount of money left in hand at the beginning salary is very small, compare your salary with the amount of tuition and other fees paid by your parents, and feel the difficulty of earning There are many things. However, the above-mentioned “money education” targets infants, children, and students, and does not target adults before becoming adults like students. Although there is a system for acquiring financial knowledge and educating financial investment for students (including high school students) and adolescent adults, there is still a system that supports financial education such as knowing the importance of money. do not do.

  In the present invention, in view of such problems, the parents and grandparents manage the daily deposits and withdrawals to and from the children using the system of the financial institution, and by the time the children become adults, the importance of money The purpose is to provide a financial institution system to support giving an opportunity to be noticed as soon as possible.

  In order to solve the above problems, the financial institution system of the present invention provides the following solution.

  The invention described in claim 1 is a deposit / withdrawal management server connected to a host computer of an ATM and a billing system in a financial institution system, wherein the deposit / withdrawal management server is a subject designated by an account holder. And event information including date of occurrence of an event related to the target person, and registering the event information for each target person in a customer contract DB storing the account management information of the account holder When a request for deposit / withdrawal is received from the account holder to the account system, a comment including a keyword relating the deposit / withdrawal and the registered event is input to the account holder An event deposit / withdrawal recording unit that records the deposit / withdrawal and the comment in association with each other in the event deposit / withdrawal management DB; When operating, extract a deposit / withdrawal record related to the target person from the event deposit / withdrawal management DB and the customer contract DB, and when a specific event preset by the account holder occurs, And an event deposit / withdrawal extraction unit for displaying the total amount of withdrawals and / or deposits to be made.

  According to the above configuration, information on events that may occur in the life of the target person for the target person (children, grandchildren, other nurturing targets, etc.) designated by the account holder (parent, grandparent, etc.) Register in advance in the financial institution system. The system of the financial institution records the money the account holder spends for the target person or the money received for the target person in association with various events of the target person. For this association, a means for allowing the account holder to input a comment including a keyword related to the event is provided. The account holder recorded in the financial institution's system spent on the target person during a specific event (for example, when they became an adult or when they received their first salary as a member of society) Present the total amount of money or money received to the subject.

  By doing this, the money spent so far on the target person at the timing of the specific event determined by the account holder, that is, the most effective event to notice the importance of money The total amount of money received can be presented. This is because the target person who has received such a presentation expects that the children will give a correct financial education from an early age, not to mention that they will become parents.

  According to a second aspect of the present invention, the ATM has a character input unit, an image input unit, and a voice input unit as means for inputting the comment, and the event deposit / withdrawal recording unit receives characters, images, and voices. The comment information is recorded.

  According to the above configuration, an ATM (Automated Teller Machine) that accepts deposits and withdrawals has a function to accept not only characters but also images and voice input, and is not good at character input by key operation from the ATM touch panel. However, the above comment input can be facilitated.

  According to a third aspect of the present invention, the deposit / withdrawal management server includes an EB system cooperation unit that is connected to an EB system in a financial institution that controls Internet banking and cooperates with the event deposit / withdrawal recording unit. Features.

  According to said structure, this service can be provided not only with respect to the deposit / withdrawal from ATM but also with respect to the deposit / withdrawal (transfer, transfer) from Internet banking.

  In the invention according to claim 4, the event deposit / withdrawal extraction unit is configured such that when the target person withdraws the money transferred by the account holder from the ATM in cash, or the target person from the internet banking, An e-mail notification is transmitted to the account holder when a transfer of a predetermined amount or more is made to a third party within a predetermined period immediately after the account holder has made the transfer.

  According to the above configuration, when the account holder transfers money to the target person's account, the account holder is automatically or semi-automatically notified that the money has been withdrawn in cash. This allows the account holder to confirm that the subject has received the money and has touched the cash. Alternatively, immediately after the target person does not withdraw in cash, the internet banking will pay the third party a predetermined amount (or more than the account balance before receiving the transfer) based on the money transferred by the account holder. (Ie, a proof that the transfer has been received).

  The invention described in claim 5 is characterized in that the deposit / withdrawal management server includes a mail generation unit that receives the image of the target person from the ATM and includes the image in the mail notification.

  According to the above configuration, because the photo of the target person with cash can be notified from a dedicated ATM booth installed in a financial institution in the form of a copy email, the target person can be notified to the account holder. It is a motivation to easily communicate with the account holder, and it can provide an opportunity for the account holder to know that the target person is spending well.

  The invention of claim 6 regards the deposit / withdrawal management server according to claim 1 as an invention of an account holder's deposit / withdrawal management method in a financial institution system as described below. The same effects as the invention are achieved.

  A deposit / withdrawal management method in a financial institution system provided with a deposit / withdrawal management server connected to an ATM and an account system, the information on the subject specified by the account holder and the date of occurrence of the event related to the subject And an event registration stage for registering the event information for each target person in a customer contract DB storing the account management information of the account holder, and deposit / withdrawal for the account system from the account holder When the request is received, the account holder is made to input a comment including a keyword that associates the deposit / withdrawal with the registered event, and the deposit / withdrawal and the comment are input to the event deposit / withdrawal management DB. Event deposit / withdrawal record stage, and when the subject operates the ATM, the event deposit / withdrawal management DB and the previous An event for extracting a deposit / withdrawal record related to the subject from the customer contract DB and displaying the total amount of withdrawals and / or deposits related to the subject when a specific event preset by the account holder occurs A deposit / withdrawal extraction stage.

  According to the present invention, parents and grandparents can recognize the importance of money at the earliest possible time by managing children's daily deposits and withdrawals using a financial institution system until the children become adults. Can provide a financial institution system that supports the opportunity to

It is a figure which shows the whole image of the financial institution system which concerns on one Embodiment of this invention. It is the figure which showed the specific example of the account management information 100 stored in customer contract DB19a, and the event registration table 110. FIG. It is the figure which showed the specific example of the event deposit / withdrawal management table 120 stored in event deposit / withdrawal management DB19b. It is the figure which showed the flow of the event extraction process which the event deposit / withdrawal extraction part 15 performs. It is the figure which showed the image of high function ATM30. It is the figure which showed an example of the ATM main menu displayed on ATM20 or high function ATM30. It is the figure which showed an example of the transfer screen 210 and the comment input screen 220. FIG. It is the figure which showed an example of the total amount display screen. It is the figure which showed another example of the total amount display screen. It is an example of a WEB general account passbook in the name of a parent or a child.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

  FIG. 1 is a diagram showing an overview of a financial institution system (hereinafter referred to as “the present system”) according to an embodiment of the present invention. In this system, a general ATM 20 installed in a store of a financial institution such as a bank, a high-function ATM 30 with an expanded user interface function with an operator, each ATM is controlled, and a host computer (accounting system) of the financial institution 50) and a deposit / withdrawal management server 10 that cooperates with Internet banking, and an EB (Electronic Banking) system 40 that manages Internet banking are connected via a dedicated network in the financial institution. In particular, details of the internal configuration (functional block) of the deposit / withdrawal management server 10 (hereinafter sometimes simply referred to as “server 10”), which is the core of the service provided by the present system, are shown.

  The server 10 cooperates with each functional unit in the server, and temporarily or permanently stores a control unit 11 that controls each functional unit, each functional unit 12 to 18, and data necessary for each processing. It consists of databases (DB) 19a to 19b. Each functional unit and database will be described below in order.

  The ATM communication unit 12 of the server 10 receives necessary request data according to the content selected by the operator on the ATM 20 or the high-function ATM 30, except for processing that can be completed within the ATM, and passes it to the control unit 11, After obtaining the necessary response data via the control unit 11, the response data is returned to the corresponding ATM. The ATM 20 is an ATM having general functions such as transfer, deposit, transfer, and bankbook entry. The high function ATM 30 extends the user interface with the ATM operator in addition to the normal ATM functions. The ATM includes an image input unit 31, a voice input unit 32, a character input unit 33, and the like. Further, the high-function ATM 30 includes a customer terminal communication unit 34 including a short-distance wireless communication means with a customer terminal 60 such as a mobile phone or a smartphone possessed by the customer, and can perform data communication with the customer's mobile phone or the like. it can.

  The billing system linkage unit 13 controls the interface with the billing system 50 centering on the billing host computer of the financial institution to link the server 10 and the billing system 50. The account system 50 refers to a message reception unit 51 that receives messages received from the account system linkage unit 13 and the EB system 40, and an account information master DB 53 that stores customer account information. Is stored in the transaction master DB 54 as ledger data.

  The event registration receiving unit 14 receives user registration of a service (referred to as “event management service”) provided by this system, and stores the registration information in the customer contract DB 19a (event registration stage). In addition to general account management information, a flag indicating whether or not the customer contract DB 19a is subscribed to an event management service provided by the present system is set. Data stored in the customer contract DB 19a will be described later with reference to FIG.

  The event deposit / withdrawal extraction unit 15 refers to the event deposit / withdrawal management DB 19b that stores the deposit / withdrawal information related to the event defined for each registered target person, the account holder etc. (the target person has his / her own account) (Including the target person), the deposit / withdrawal record related to the event conducted from ATM or Internet banking is extracted (event deposit / withdrawal extraction stage). Here, the “subject” refers to the child of the account holder or other nurturing subject who is responsible for protection. This event extraction process will be described later with reference to FIG.

  The event deposit / withdrawal recording unit 16 accepts comments related to the purpose and event from the ATM 20 or the high-performance ATM 30 etc. when an account holder or the like performs an operation involving deposit / withdrawal such as transfer, deposit, transfer, etc., and event deposit / withdrawal management Record in DB 19b (event deposit / withdrawal recording stage). The comment information at the time of the deposit / withdrawal operation will be specifically described with reference to FIG.

  The mail generation unit 17 has a function of automatically or semi-automatically transmitting mail to deposit / withdrawal operation information from an ATM or the like to a mail address registered in the customer contract DB 19a. The above-mentioned comment information can be included in the deposit / withdrawal operation information in addition to the deposit / withdrawal details. Further, not only characters but also images and sounds can be added to the comment information.

  In addition to controlling general ATM in the server 10, functions for realizing the event management service provided by this system, that is, the event registration reception unit 14, the customer contract DB 19a, the event deposit / withdrawal extraction unit 15, the event The deposit / withdrawal recording unit 16, the mail generation unit 17, and the event deposit / withdrawal management DB 19b are particularly referred to as “event management function unit” (portion surrounded by a dotted line in FIG. 1).

  The EB system cooperation unit 18 includes an interface with an EB system 40 that controls so-called Internet banking, and plays a role of linking Internet banking and the services of this system. Internet banking, like ATM, has functions such as transfer and transfer other than handling cash, so it is possible to add related events and comment information for each deposit / withdrawal. That is, the above-described event management function unit is also provided on the EB system 40 side, or the event management function unit is constructed on an independent server, and the event management function unit is provided from each of the deposit / withdrawal management server 10 and the EB system 40. A system configuration that can be called may be used.

  The functional configuration of the deposit / withdrawal management server 10 and the like is merely an example, and one functional unit may be further divided, or a plurality of functional units may be configured as one functional unit. Each functional unit reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk by a CPU (Central Processing Unit) built in the device, and the computer program executed by the CPU is Reads and writes necessary data such as tables from a database (DB; Data Base) stored in a storage device or a storage area in memory, and in some cases, related hardware (for example, input / output devices, display devices, communication interfaces) This is realized by controlling the apparatus. In addition, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself does not matter.

  FIG. 2 is a diagram showing a specific example of the account management information 100 and the event registration table 110 stored in the customer contract DB 19a. However, the event registration table 110 may be stored in the event deposit / withdrawal management DB 19b.

  The account management information 100 includes account information for an account held by the account holder in the financial institution, that is, information such as the bank branch number, account number, account subject, name of the account, contact information, etc. In addition, information (flag) indicating whether or not the event management service is subscribed is stored. If the event management service is subscribed, the account holder can register one or more e-mail addresses. In addition, when not only the account holder's account (parent account) but also the target person's account (child account), the same account management information 100 is described so that the relationship between these accounts can be understood. Keep it.

  Comment information can be notified automatically or semi-automatically at the time of cash deposit / withdrawal operation using ATM with the registered mail address as the destination. For example, when a student uses a high-function ATM 30 to withdraw cash sent from a parent, the mail generation unit 17 automatically notifies the parent's mail address according to the setting. To. In this way, the parent can recognize that the child has indeed pulled out the feed. In order to encourage the child to touch the cash, the image input means of the high-performance ATM 30 may be used to send a photograph showing the child together with the cash to the parent as a copy mail. Of course, the registered e-mail address can be registered on Internet banking, and the same can be done from internet banking. For example, when a child does not withdraw cash from an ATM, he / she purchases online with the money, and transfers the money with internet banking. The transfer screen may be configured so as to prompt the transmission of comment information by capturing the timing of transfer of a predetermined amount or more (for example, account balance or more) to a third party within a period (for example, within one week). If the remittance is 100,000 yen and the child's account balance before remittance is less than 10,000 yen, the payment of 10,000 yen or more within the specified period immediately after the remittance was made based on the remittance. Can be easily determined. That is, it can be confirmed that the child has surely received the remittance. Also in such a case, a photograph taken with a child's mobile phone, audio, etc. may be received from the internet banking and included in the comment information. By doing so, it is possible to provide an opportunity to feel the appreciation of money not only when withdrawing with cash, but also when depositing and withdrawing money online.

  In the event registration table 110 shown in FIG. 2 (b), when the event management service is an account with “Yes”, the target person information 111a (target person ID, name, gender, date of birth, etc.) is registered. Registers multiple event information 112a, 112b (event ID, event name, date of occurrence, etc.) for each target person for deposits and withdrawals from a parent account or an account under the name of a child. This is a table for adding to the deposit / withdrawal details.

  Here, registered events include children's (target person) kindergarten, elementary school, junior high school, high school, university, various schools, etc./entry and graduation / graduation, adult ceremony, employment, first salary / first bonus, marriage In addition to events that many people experience in the life prepared by the system such as the birth of the first child, the purchase of homes, etc., events that are arbitrarily specified by the account holder can be registered with keywords (for example, XX anniversary) . In each event, at least the event ID and the event name, the event occurrence date or the scheduled date of occurrence is registered. However, items that are automatically obtained from the date of birth of the subject, such as admission / graduation and an adult ceremony, are preset as defaults.

  Further, it is assumed that related event IDs are assigned to events that start and end, such as entrance and graduation, in other words, events that have a period. For example, if the high school entrance event ID is “001s” (start), the high school graduation event ID is “001e” (end). As described above, for an event having a period, deposit / withdrawal during the event period can be individually managed. In this way, for example, the total amount of tuition paid during high school or university can be easily calculated. Also, the account holder can set a “specific event” from among the registered events, as will be described later. For an event set as a specific event, a flag indicating that is set in the event registration table 110. The contents of the event registration table 110 can be changed at any time by the account holder via the event registration receiving unit 14.

  FIG. 3 is a diagram showing a specific example of the event deposit / withdrawal management table 120 stored in the event deposit / withdrawal management DB 19b. The event deposit / withdrawal management table 120 is a table for managing deposit / withdrawal for the target person from the account holder for each target person defined in the event registration table 110. If there is an account in the name of the target person, the details of the deposit and withdrawal are also recorded, but here, for the sake of simplicity, the transaction related to the event is extracted from the record of the deposit and withdrawal from the account holder's account In this example, this table is created.

  As described above, in the present system, means for adding comment information including a keyword related to an event to each deposit / withdrawal as well as normal deposit / withdrawal information is provided. Possible keywords include the subject's name, nickname, name of the school destination, and words indicating the purpose of the money specification. In the event deposit / withdrawal management table 120, in addition to deposit / withdrawal at a financial institution, if the past deposit / withdrawal data before receiving this service can be confirmed from a passbook or household account book, etc., the account holder Can add the deposit / withdrawal data. For example, the account holder may include “total amount of money received by children from 1996 to 2010”, “total amount of tuition fee paid for the school between 2001-2010”, etc. in the event deposit / withdrawal management table 120. Can be added.

  For example, when the account holder transfers the tuition fee for the school where the child attends by ATM or Internet banking, the transfer date, transfer person, transfer destination (school name), transfer are usually included in the deposit / withdrawal details printed on the passbook. Although only the amount of money is recorded, in this system, comment information for indicating the transfer contents is added at the time of the transfer. The ATM operator can input comment information including keywords such as “XX child XX high school tuition” along with the transfer destination and transfer amount from the transfer screen (here “XX child” is The child ’s name). Such comment information can include voice and images, and is difficult to print on a general paper passbook, so it is described as link information in a WEB passbook on Internet banking. Since an event name is defined for the registered event together with the event ID, an event related to deposit / withdrawal can be specified from comment information including the same or substantially the same keyword as the keyword included in the event name. .

  Note that the comment information added to the deposit / withdrawal data does not need to be stored in the transaction master DB 54 that is the ledger data of the accounting system 50, and is linked to the transaction ID of the deposit / withdrawal related to the event in the event deposit / withdrawal management DB 19b. And stored separately. In this way, the service of this system can be realized without changing the ledger data of the accounting system 50.

  FIG. 4 is a diagram showing a flow of event extraction processing executed by the event deposit / withdrawal extraction unit 15. The event extraction process is automatically started when an account holder who has subscribed to this service performs a deposit / withdrawal operation from ATM or Internet banking.

  In the event extraction process, first, in step S10, the account holder's event registration table 110 is read. In step S11, it is checked whether or not the target person is registered in the event registration table 110. If the target person is registered, the event occurrence date or the scheduled date of occurrence date when the deposit / withdrawal date is registered. It is checked whether it is within a predetermined period (step S12). If it is within the predetermined period, event-related processing is executed in step S13. The reason for checking whether or not it is within the predetermined period is that deposits and withdrawals are not always performed on the day of the event.

  Event-related processing means that the event occurrence date is given to the account holder or the target person when the event occurrence date is approaching within the predetermined period, or the event occurrence date has already passed but is still within the predetermined period. This is a notification process. For example, the account holder is notified of the monthly delivery date for the child by e-mail, or conversely, the child is notified by e-mail that there has been a delivery. When the child who has received the e-mail notification uses the high-performance ATM 30 to withdraw the payment, the scene can be sent as a photo-mail. This helps to increase the chances of the child touching the cash.

  Further, when the account holder transfers money to the target person or on behalf of the target person, an event that has occurred or has occurred is displayed on the ATM or Internet banking operation screen. By doing in this way, the account holder can remind the necessity of adding comment information to the transfer. For example, when transferring a child's enrollment fee, the event-related process prompts the user to enter the school name of the transfer destination in the comment field. Further, when the transfer with the comment added is completed, the comment may be automatically notified to the child. Of course, a comment may be added even if the transfer is not related to the event.

  In this way, the event deposit / withdrawal extraction unit 15 repeats the above event-related processing until the processing of all subjects is completed (step S14), and then ends the processing. In the above description, the event extraction process is activated at the time of deposit / withdrawal operation, but may be activated at regular intervals.

  FIG. 5 is a diagram showing an image of the high-function ATM 30. In addition to the functions of the normal ATM 20, the high-function ATM 30 is added with functions for facilitating input of characters, images, and sounds. As shown in the figure, the high-function ATM 30 has a camera 31 for photographing an operator (corresponding to the image input unit 31 in FIG. 1), a microphone 32 for receiving voice input, and (corresponding to the voice input unit 32 in FIG. 1). ), A first touch panel 33 for ATM button operation and character input (corresponding to the character input unit 33 in FIG. 1), a speaker 35 for voice response, and a display for displaying an image captured by the camera 31 A screen (second touch panel 36) is provided. In addition, a customer terminal communication unit 34 that enables wireless communication with a customer's mobile phone or the like is provided. Furthermore, it is desirable that the high-function ATM 30 includes a voice recognition unit that converts input voice into text.

  The operator (account holder or target person) uses not only text input but also image input and voice input functions of the high-performance ATM 30 when making a transfer related to an event or receiving a transfer money in cash. Enter comment information. At that time, mail notification can also be performed. When inputting characters, even an elderly person who is not good at key operations on the touch panel can easily input by voice recognition.

  The high-function ATM 30 is installed in a dedicated booth and maintains a certain level of privacy. In addition, since it is possible to take a picture on the spot, it is desirable that the lighting 37 is provided in the booth. The input image may be a still image or a moving image. These images can be taken in the booth, or can be captured in advance from the operator's smartphone or mobile phone into the high-performance ATM 30 by short-range wireless communication. When a mobile phone or a smartphone is held over the customer terminal communication unit 34, the designated image is taken into the ATM. The captured image can be processed from the touch panel 36 on the spot. In addition, for example, as shown in the lower right of the figure, if you enter a picture of the child with cash and notify the parent as a photo mail, the motivation for the child to easily contact the parent At the same time, it provides parents with an opportunity to know that their children are doing well.

  If you use the high-performance ATM30, you can easily input comment information including images and sounds, and you can provide many opportunities to touch cash to realize the value of money, but it is not the only use. . For example, it can be used as an ATM that can be used by a visually impaired person or a handicapped person, and can also be used for the money education mentioned at the beginning as an ATM that can be easily operated by a child. It can also be used as a “message input terminal” or “recollection information registration machine” in the “recollection bank system” already filed by the inventors (see Japanese Patent Application Laid-Open Nos. 2012-84101 and 2012-84102).

  FIG. 6 is a diagram showing an example of the ATM main menu 200 displayed on the ATM 20 or the high-function ATM 30. The ATM main menu 200 includes various operation buttons such as cash withdrawal, deposit, and transfer, but a total amount display button 201 is prepared for the ATM controlled by this system. The total amount display button 201 is a button for displaying the total amount of money transferred from the account holder to the target person or transferred on behalf of the target person. The total amount display button 201 functions only for an account that has subscribed to the event management service provided by the present system. Therefore, the total amount display button 201 may be displayed when the account holder or the target person inserts the cash card into the ATM. .

  When the target person or the account holder presses the total amount display button 201, the total amount display screen is displayed, and the total amount display screen displays the expenses the account holder has spent for the target person or the target person has received in the past. The total amount and the breakdown are displayed. For the target person, the total amount display button 201 is displayed only during a predetermined period of the “specific event”, but for the account holder, the total amount display button 201 is displayed at any time. Specific examples of the total amount display screen are shown in FIGS. 8 and 9 to be described later.

  When the cash card of the account that subscribes to the event management service is inserted, the ATM 20 or the high-performance ATM 30 notifies the deposit / withdrawal management server 10, and the deposit / withdrawal management server 10 reads the event deposit / withdrawal management DB 19 b and stores it in the card. A search is made as to whether a registered “specific event” is about to occur or has already occurred. The “specific event” is an event set by the account holder considering that it is most preferable as a timing for the target person to see the total amount display among registered events. For this specific event, for example, it is effective to set an event that starts as a member of society, such as an adult ceremony, high school or university graduation, employment, initial salary / first bonus.

  The number of specific events is not necessarily one, but when setting multiple specific events, avoid events that are too close as much as possible so that the message and content displayed on the total amount display screen differ between the first and second time. Devise to. On the ATM or Internet banking screen, if there is a specific event in the near future, the total amount display button may blink to prompt the target person to see the total amount display. May be inserted into the ATM and the total amount display may appear automatically when the cash is withdrawn.

  FIG. 7 is a diagram illustrating an example of the transfer screen 210 and the comment input screen 220. When the operator selects “Transfer” from the ATM main menu 200 in the previous figure, a transfer screen 210 is displayed. This transfer screen 210 is provided with a comment input button 211 in addition to fields for inputting a transfer destination and a transfer amount. When the operator presses the comment input button 211, a comment input screen 220 is displayed.

  On the comment input screen 220, the purpose and contents of the transfer are input with keywords. Of course, text may be entered without a keyword, or a message for the transfer destination may be added. In the example shown in the figure, a child-named account is created to commemorate the birth of the child, a birthday gift is transferred to the account under the name of the child, and a keyword of the name of the child and the birthday is entered as a comment. The keyword or message may be input from the keyboard displayed on the first touch panel 33. In the case of the high-function ATM 30, the voice input button 221 is displayed, so that it can be input by voice. The input voice is converted into characters and displayed in the comment column. However, the voice data may be recorded as comment information as it is and may be reproduced later.

  In the case of the advanced ATM 30, an image can be added to the comment. When the image capture button 222 is pressed, an “ATM built-in camera button 223” and a “capture from mobile phone button 224” are displayed as image input means. When the ATM built-in camera is selected, the operator's photograph or video can be automatically added to the comment information by standing in front of the high-function ATM 30 and pressing a predetermined shutter button or the like. When “capture from mobile” is selected, a photograph or video is captured into the high-performance ATM 30 by holding the mobile phone or smartphone held by the operator over the reading unit of the high-performance ATM 30. Since the captured image is displayed on the second touch panel 36, the operator can select the most appropriate one from them. Of course, an image taken with an ATM built-in camera can be transferred to a mobile phone or the like.

  FIG. 8 is a diagram showing an example of the total amount display screen. When the operator presses the total amount display button 201 in FIG. 6 or when the ATM / Internet banking event deposit / withdrawal extraction unit 15 detects that it is within a predetermined period of a specific event, the total amount display screen 230 as shown in FIG. Visible to people.

  In this example, when the target person withdraws money from the ATM on the first pay day, the total amount of money the parent has spent for himself and the breakdown are displayed. What is shown on the total amount display screen is not limited to the total amount of withdrawals. FIG. 9 is a diagram showing another example of the total amount display screen. Here, the total amount of money sent to the target person is displayed.

  FIG. 10 is an example of a WEB general account passbook of a parent name or a child name. In the account registered with the event management service, the comment information described so far is recorded for each deposit / withdrawal related to the event, so that it can be displayed in the comment column of the bankbook. Although it is difficult to display on a paper passbook due to space, comment contents are displayed on the WEB passbook on Internet banking as shown in the figure. In the comment field indicated by reference numeral 301, a withdrawal or deposit keyword input together with the child's name is displayed.

  When the transfer is made to an account under the name of a child created for each child instead of an account under the name of the parent, as indicated by reference numeral 311, inputting the name of the child as a keyword can be omitted. . Creating an account in the name of a child makes it easy to identify deposits and withdrawals for the total amount display, so it is recommended when using this system. Currently, creating an account under the name of a child requires that both parents and children go to the bank and the identity verification is strict and cumbersome, but by creating an account under the name of the child from a young age, , "It's not just that money comes out of an ATM at any time and can be moved around on the net".

  In the above embodiment, the case where the event management function is provided in the deposit / withdrawal management server 10 has been mainly described. However, when the event management function is provided in the EB system 40, or the event management function is provided by another server. Even when the above is made independent and called from both ATM and Internet banking, the same effect is obtained.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 10 Deposit / withdrawal management server 11 Control part 12 ATM communication part 13 Account system cooperation part 14 Event registration reception part 15 Event deposit / withdrawal extraction part 16 Event deposit / withdrawal recording part 17 Mail generation part 18 EB system cooperation part 19a Customer contract DB
19b Event deposit / withdrawal management DB
20 ATM
30 High-performance ATM
31 Image input unit (camera)
32 Voice input unit (microphone)
33 Character input part (first touch panel)
34 Customer terminal communication unit 35 Speaker 36 Display screen (second touch panel)
37 Illumination 40 EB system 50 Account system 51 Message reception unit 52 Deposit / withdrawal processing unit 53 Account information master DB
54 Transaction Master DB
60 Customer terminal 100 Account management information 110 Event registration table 120 Event deposit / withdrawal management table 200 ATM main menu 201 Total display button 210 Transfer screen 220 Comment input screen 230, 240 Total display screen 231, 241 Total breakdown 300 General account passbook 301, 311 Passbook comment field 310 Account passbook under the name of a child

Claims (6)

In a financial institution system, a deposit / withdrawal management server connected to an ATM and a host computer of an accounting system,
The deposit / withdrawal management server
Accepts event information including the information of the target person designated by the account holder and the date of occurrence of the event related to the target person, and stores the event information in the customer contract DB storing the account management information of the account holder. An event registration reception section for each person,
When accepting a deposit / withdrawal request for the account system from the account holder, the account holder is allowed to input a comment including a keyword that associates the deposit / withdrawal with the registered event, An event deposit / withdrawal recording unit that records the deposit / withdrawal and the comment linked to the deposit / withdrawal management DB;
When the subject operates the ATM, when a deposit / withdrawal record related to the subject is extracted from the event deposit / withdrawal management DB and the customer contract DB, and a specific event preset by the account holder occurs And an event deposit / withdrawal extraction unit for displaying the total amount of withdrawals and / or deposits related to the target person,
A deposit / withdrawal management server comprising:   The ATM has a character input unit, an image input unit, and a voice input unit as means for inputting the comment, and the event deposit / withdrawal recording unit records comment information including characters, images, and voices. The deposit / withdrawal management server according to claim 1.   3. The deposit / withdrawal management server includes an EB system linkage unit that is connected to an EB system in a financial institution that controls Internet banking and cooperates with the event deposit / withdrawal recording unit. The deposit and withdrawal management server described in Crab.   The event deposit / withdrawal extraction unit is a predetermined immediately after the account holder has transferred the money transferred by the account holder from the ATM in cash, or after the account holder has transferred from the Internet banking. The deposit / withdrawal management server according to any one of claims 1 to 3, wherein an e-mail notification is transmitted to the account holder when a transfer of a predetermined amount or more is made to a third party within a period.   The deposit / withdrawal management server according to claim 4, further comprising: a mail generation unit that receives the image of the target person from the ATM and includes the image in the mail notification. A deposit / withdrawal management method in a financial institution system having a deposit / withdrawal management server connected to an ATM and an accounting system,
Accepts event information including the information of the target person designated by the account holder and the date of occurrence of the event related to the target person, and stores the event information in the customer contract DB storing the account management information of the account holder. An event registration stage for each person,
When accepting a deposit / withdrawal request for the account system from the account holder, the account holder is allowed to input a comment including a keyword that associates the deposit / withdrawal with the registered event, An event deposit / withdrawal recording stage for recording the deposit / withdrawal and the comment linked to the deposit / withdrawal management DB;
When the subject operates the ATM, when a deposit / withdrawal record related to the subject is extracted from the event deposit / withdrawal management DB and the customer contract DB, and a specific event preset by the account holder occurs And an event deposit / withdrawal extraction step for displaying the total amount of withdrawals and / or deposits related to the subject person,
A deposit / withdrawal management method characterized by including:

Images