JP2000251147A - Method and device for account management and recording medium stored with account managing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently make the amount of money and its item correspond to each other when the money is paid or received by making items of payment and reception corresponding to the amounts of payment and reception by making use of items set previously on an ATM or items on an inputted IC card that an operator has customized. SOLUTION: Bankbook information inputted by the operator is inputted to a bankbook input/output means 8a, the IC card including the ID information of the operator is inputted to a card input/output means 8d, and the inputted bankbook information of the operator is displayed on a display means 7. Then item information stored previously on the IC card is displayed on the display means 7. Here, specified items are assigned to the corresponding amounts of money. For this assignment, an item of reception is selected by a key input means 8 from displayed item information and the mount of reception inputted by the key input means 8 is inputted. For a reception processing, the amounts of money corresponding to specified items are summed up.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account management method and apparatus, and a recording medium storing an account management program.

[0002]

2. Description of the Related Art As a method and a system for using a card to allocate a deposit and withdrawal cost item and a corresponding deposit and withdrawal amount according to an operator's request, for example, Japanese Patent Laid-Open No.
The one disclosed in Japanese Patent No. 162069 is known. This method and system utilize an item name preset on an input screen and a breakdown name for the item name as input data.

In the current ATM, the dispensing cost item corresponding to the dispensing amount is associated with the dispensing amount selected from a preset item name.

In addition, one withdrawal process is performed for one designation of a withdrawal amount in an ATM.

Further, when sharing a household account with a family, each family member does not have access authority.

[0006]

The conventional method and system have the following problems.

[0007] When dispensing, it is not possible to specify a plurality of dispensing amounts and the dispensing cost items corresponding thereto, so that the efficiency is low.

[0008] In addition, it is inefficient because the designated withdrawal amount cannot be paid out in one operation.

[0009] Further, even when sharing a household account with a family member, since each family member does not have access authority, there is no restriction on browsing the contents of the deposit / withdrawal processing unique to the user, so that privacy data is protected. It could not be done and was inefficient.

[0010] An object of the present invention is to solve the above-mentioned problems, and to provide a method and a system for managing an electronic settlement account, which can efficiently associate an amount with a cost item at the time of withdrawal or deposit. It is in.

Another object of the present invention is to provide a method and a system for managing an electronic settlement account that can efficiently designate a total amount of designated withdrawal amounts in one operation.

Another object of the present invention is to allow a family member to have access authority when sharing a household account with a family member, and to efficiently browse the details of user-specific deposit / withdrawal processing. An object of the present invention is to provide an electronic payment account management method and system.

[0013]

SUMMARY OF THE INVENTION The present invention is applied to an account management method and system for managing the cost and the amount of money for an account.

First, passbook information is displayed on a display device. The displayed passbook information includes a date, a deposit / withdrawal cost item, a deposit / withdrawal amount, a balance, a summary, a denomination, and the like, like a household account book. A plurality of deposit and withdrawal amounts on the household account book are designated at the same time from the input device, and the deposit and withdrawal cost items corresponding to the deposit and withdrawal amounts are set at an ATM item in advance, or an input item customized by an operator on the input IC card. Use to associate. By applying this to the sum of a plurality of designated deposit and withdrawal amounts, it can be processed in one time.

Further, the payment details paid by cash or card are inputted from the store or the credit company, and the breakdown code and the expense code included in the payment details are referred to by referring to the correspondence table between the breakdown code and the expense code prepared in advance. And manage them as account information. As a result, since the expense item can be associated with the amount of money generated by depositing and withdrawing, passbook information can be created. Here, the breakdown code is a purchased item, a supplier, a transaction name, and identification information of a transaction purpose.

In particular, when the passbook information is displayed on the display device, the display content can be limited according to the access authority of the family. For example, the head of the household may have all access rights as a supervisor, the wives may have access rights to household expenses such as food expenses, and the children may be able to process payments within the scope of their own pocket money. Or have limited access rights. As described above, in the present invention, the terminal device includes a display unit for displaying passbook information, an input unit for designating a deposit / withdrawal amount or a deposit / withdrawal cost item, an account storage device for storing household account information, and a customized cost item. It has an expense storage device for storing, an overall control means for processing the correspondence between the deposit and withdrawal amounts and the deposit and withdrawal expenses on a screen, and an internal memory for storing intermediate information of the processing, etc., and manages the settlement account of the present invention. Perform processing. This processing may be realized by activating a processing program on the ATM to realize the deposit / withdrawal processing. In addition, the processing can be realized by software by installing the program on a personal computer. It can be stored in a portable storage medium such as an FD or an optical disk.

[0017]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 shows an apparatus configuration of the present invention. A server device 1 and a plurality of client devices 3 and 3 ′ are connected via a network 2. In the client device 3,
The display unit 7, the key input unit 8, the passbook input / output unit 8a, the card input / output unit 8b, and the cash input / output unit 8c are connected to external storage units (payment / withdrawal information storage device 9, expense information storage device 10). I have.

Each of the client devices 3 and 3 ′ constitutes a terminal device used by each operator who performs deposit and withdrawal processing, and constitutes a deposit and withdrawal processing network under the control of the server device 1. Since the construction of the deposit and withdrawal processing network can be realized by using a known technique, a detailed description is omitted here. The client device 3 can use a personal computer, for example, and includes an overall control unit 6 including a CPU device, an internal memory 5, and a communication control unit 4 for controlling exchange of information via the network 2.

The display means 7 is a device for visually displaying information such as a CRT display and a liquid crystal display, and displays deposit / withdrawal information of a household account book on a passbook.

The key input means 8 is for inputting a deposit / withdrawal amount and a deposit / withdrawal cost item, as well as inputting a relationship between the amount and the cost item, and instruction information for withdrawal processing. For example, a mouse, a joystick, a keyboard, etc. Can be used.

The passbook input / output means 8a is a device for inputting a passbook from an operator at the time of deposit and withdrawal in order to print directly on the passbook. The card input / output means 8b is an input device capable of inputting one or more of various cards such as an IC card, a cash card, a credit card, and a David card. The cash input / output means 8c is a device for inputting / outputting cash (banknotes, coins, etc.) from the operator at the time of deposit / withdrawal.

The deposit / withdrawal information storage device 9 stores a deposit / withdrawal transaction table before and after processing and an access authority table (described later). The expense information storage device 10 is a storage device for storing preset expense items and newly registered expense items.

The overall control means 6 controls the entire client device 3 according to a program input in advance and performs an operation. The overall control means 6 controls the display of the bank account information of the household account on the passbook on the display means 7, and displays the bank account information in which the bank account is assigned to a plurality of specified bank accounts. Control for displaying on the means 7 is performed. In addition, the CPU 11 performs processing such as control for totaling the designated withdrawal amounts and dispensing in one operation, and control for displaying operator-specific information on the display means 7 based on the access authority. Note that these processes can be executed by a program installed in advance.

Next, the processing flow of the present embodiment will be described with reference to FIGS.

This processing flow is performed by a client device 3
Is a flow of a process of acquiring passbook information, performing necessary processes on the passbook information, and executing a deposit / withdrawal process.

In FIG. 2, the passbook information input by the operator is taken into the passbook input / output means 8a (step 2).
01), the IC card including the ID information of the operator is taken into the card input / output means 8b (step 202), the password of the operator is taken from the key input means 8 (step 203), and the inputted passbook information is displayed on the display means 7. It is displayed (step 204). The deposit / withdrawal transaction table which is the basis of the input passbook information is as shown in FIG.
It consists of deposit and withdrawal expenses, deposit and withdrawal amounts, balance, summary, and denomination. The passbook information displayed on the display means 7 is shown in FIG.
As shown in FIG. 7B, it is displayed together with the name based on the access authority table of the operator in FIG. In this example, the operator is a supervisor.

Next, the expense information stored in the IC card in advance is displayed on the display means 7 (step 205).
As the expense information, an expense whose flag value is set to 1 in the access authority table shown in FIG. 7 is displayed. Here, the designated expense item is allocated to the corresponding amount (step 206). As shown in FIG. 4, the disbursement procedure is performed by using the key input unit 8 based on the expenditure item information displayed on the display unit 7 as shown in FIG.
And withdrawal amount similarly input from the key input means 8. In this case, select "Parking fee"
The payout amount of 20,000 yen is input from the key input means 8 by the operator. Similarly "festival"
¥ 30,000 for "pocket money" and ¥ 50,000 for "pocket money". With respect to the balance, the withdrawal amount is automatically subtracted from the deposit amount, and 400,000 yen is displayed as the balance. FIG. 4B is a supervisory transaction screen in which the balance is displayed, and FIG. 4A shows a base deposit / withdrawal transaction table. In the dispensing process, the total amount for the designated expense item is dispensed (step 207).
When the payment target is electronic money using an IC card as shown in FIG. 4A, the electronic money is input to a previously input IC card, and the IC card is output from the card input / output means 8b. In accordance with an instruction from the operator, electronic money and cash can be combined and output to each of the card input / output means 8b and the cash input / output means 8c. If it is desired to hold the input / output transaction table after the payment as operator-specific data, it can be stored in the payment / withdrawal information storage device 9. Similarly, when it is desired to hold the expense information customized by the operator as data unique to the operator, the expense information can be stored in the expense information storage device 10.

Next, like the payment processing, at the time of the payment processing,
A method of allocating a designated payment cost item to a corresponding payment amount will be described.

In FIG. 5, passbook information input by the operator is taken into the passbook input / output means 8a (step 5).
01), the IC card including the ID information of the operator is taken into the card input / output means 8b (step 502), the password of the operator is taken from the key input means 8 (step 503), and the inputted passbook information is displayed on the display means 7. It is displayed (step 504). The deposit / withdrawal transaction table, which is the basis of the input passbook information, includes dates, deposit / withdrawal expenses, deposit / withdrawal amounts, balances, summaries, and denominations as shown in FIG. The passbook information displayed on the display means 7 is shown in FIG.
As shown in (b), it is displayed together with the name based on the access authority of the operator. In this example, the operator is a supervisor.

Next, the expense information stored in the IC card in advance is displayed on the display means 7 (step 505).
As the expense information, an expense whose flag value is set to 1 in the access authority table shown in FIG. 7 is displayed. Here, the designated expense item is allocated to the corresponding amount (step 506). As shown in FIG. 6, the allocation procedure is performed by inputting the payment input item from the input item information displayed on the display unit 7 into the key input unit 8.
And receives the deposit amount similarly input from the key input means 8. In this case, "credit withdrawal" is selected, and 100,000 yen is inputted from the key input means 8 by the operator as the deposit amount. Similarly, 50,000 yen is allocated to “temporary savings”. The current balance is automatically added to the latest balance, and 550,000 yen is displayed as the balance.
FIG. 6B shows a transaction screen of the supervisor in a state where the balance is displayed, and FIG. 6A shows a deposit / withdrawal transaction table on which the supervisor is based. In the payment processing, the total amount for the designated expense item is totaled and paid (step 507). When the object of payment is a combination of electronic money and cash using an IC card as shown in FIG. 6A, electronic money is input from the card input / output means 8b based on the IC card which has been input in advance, and the cash input / output means is used. Input cash from 8c. If it is desired to hold the input / output transaction table after payment as operator-specific data, it can be stored in the payment information storage device 9. Similarly, when it is desired to hold the expense information customized by the operator as data unique to the operator, the expense information can be stored in the expense information storage device 10.

In addition, a correspondence table between the breakdown code and the expense code created in advance is created, and payment details paid by cash or card are input from a store or a credit company, and the payment table is referred to by referring to the correspondence table. It is also possible to associate the breakdown code and the expense code included therein and manage them as account information. As a result, since the expense item can be associated with the amount of money generated by depositing and withdrawing, passbook information can be created. Here, the breakdown code is a purchased item, a supplier, a transaction name, and identification information of a transaction purpose. By doing so, it is possible to create passbook information from information on shopping and transactions. The present invention is not limited to passbook information but can be applied to general form creation.

Next, information display and information masking specific to the operator based on the access authority table of FIG. 7 will be described.

FIG. 8 (a) shows a deposit / withdrawal transaction table used at the time of wife's deposit / withdrawal processing. In this deposit / withdrawal transaction table, the wife does not have access authority for the payment expense item "salary for July" because the flag value is set to 0 as in the access authority table of FIG. Therefore, when the wife displays the deposit / withdrawal transaction status, the deposit expense item "Salary for July"
Is temporarily replaced with a payment fee item "Payment 1" composed of a general payment fee name and a payment number, and displayed on the screen. The deposit amount is masked, and only the balance is displayed.

Similarly, FIG. 9 (a) shows a deposit / withdrawal transaction table used at the time of child deposit / withdrawal processing. In this deposit / withdrawal transaction table, the child sets the value of the flag in the access authority table of FIG. 7 to “payment fee”, “celebration fee” and “pocket money” of the withdrawal expenses in addition to the deposit expense “July salary”. Has no access authority because it is set to Therefore, when the child displays the deposit / withdrawal transaction status, as with his wife, the deposit expense item “July salary” is “Payment 1”, and “Parking fee”, “Holiday” and “pocket money” are each “Payout”. Money 1 "" Withdrawal 2 "
And "Payment 3" are temporarily replaced and displayed on the screen. The deposit / withdrawal amount is masked, and only the balance is displayed.

Although the preferred embodiment of the present invention has been described with respect to the deposit and withdrawal processing of a super barza, a wife, and a child at home, an IC other than an ATM is executed on a personal computer at home.
The present invention can be similarly applied to a case where the present invention is performed with a card or a David card.

[0037]

As described above in detail, according to the present invention, it is possible to efficiently designate a plurality of withdrawal amounts and the corresponding withdrawal expenses at the time of withdrawal. In addition, the designated withdrawal amounts can be summed up and designated efficiently by one operation. In addition, when sharing a household account with a family member, it is possible to efficiently browse the details of user-specific deposit / withdrawal processing.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an apparatus for implementing the present invention.

FIG. 2 is a processing flowchart showing an embodiment of a dispensing process according to the present invention.

FIG. 3 is a diagram showing a deposit / withdrawal transaction table including a deposit / withdrawal amount and a deposit / withdrawal cost item before a deposit / withdrawal process and a display screen.

FIG. 4 is a view showing a deposit / withdrawal transaction table and a display screen after designation of a plurality of withdrawal amounts and association of withdrawal expenses.

FIG. 5 is a processing flowchart showing an embodiment of a deposit processing according to the present invention.

FIG. 6 is a diagram showing a deposit / withdrawal transaction table and a display screen after designation of a plurality of deposit amounts and association of deposit costs.

FIG. 7 is a diagram showing an access authority table in which the access authority of an operator is specified for each of the deposit and withdrawal expenses.

FIG. 8 is a view showing a wife's deposit / withdrawal transaction table changed based on access authority and a display screen.

FIG. 9 is a view showing a deposit / withdrawal transaction table and a display screen of a child changed based on access authority.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Server apparatus, 2 ... Network, 3 ... Client apparatus, 3 '... Client apparatus, 4 ... Communication control means, 5 ... Internal memory, 6 ... Overall control means, 7 ... Display means, 8 ... Key input means, 8a ... 8b: card input / output means, 8c: cash input / output means, 9: deposit / withdrawal information storage device, 10: expense item information storage device.

Continued on the front page F-term (reference) 3E040 AA03 CA12 CA14 FJ05 3E044 BA04 EA20 5B049 AA01 AA02 AA05 BB46 CC39 DD01 EE01 EE02 EE21 EE25 FF03 GG04 GG07 GG09 5B055 BB03 BB12 CB03 CB09 EB03 FA01

Claims (10)

[Claims] In an account management method for managing accounts, an input screen for designating a withdrawal cost item and a withdrawal amount is displayed based on access authority, and a withdrawal cost item is assigned to a plurality of designated withdrawal amounts. An account management method characterized by dispensing the total amount of withdrawal in one operation. 2. In an account management method for managing an account, an input screen for designating a deposit cost item and a deposit amount is displayed, a designated deposit cost item and a deposit amount are obtained, and a total amount of the deposit amount is deposited. Characteristic account management method. 3. An account management method for managing an account, wherein the breakdown information is associated with an expense item in advance and stored in an expense item table, and the expense item table is referred to from the inputted breakdown information.
An account management method, wherein an account management information is generated by associating an expense item corresponding to the product name information. 4. The input screen according to claim 1, wherein the input screen is displayed with specific information related to a user who has access authority by giving a user attribute to the expense item and the amount data. Account management method to do. 5. The account management method according to claim 1, wherein said deposit and withdrawal enables deposit and withdrawal to a plurality of deposit and withdrawal media at the same time. 6. An account management apparatus for managing accounts, a display means for displaying an input screen for designating a withdrawal cost item and a withdrawal amount based on access authority, and a withdrawal cost item for a plurality of designated withdrawal amounts. And managing means for dispensing the total amount of the withdrawal amounts in one operation. 7. An account management apparatus for managing an account, a display means for displaying an input screen for designating a deposit cost item and a deposit amount, acquiring the designated deposit cost item and the deposit amount, and depositing the total amount of the deposit amount. An account management method, comprising: 8. An account management device for managing an account, comprising: storage means for preliminarily associating breakdown information with a cost item in a cost item table; and referring to the cost item table based on the input breakdown information, the cost item corresponding to the product name information. And a management unit for generating account management information. 9. A computer-readable recording medium storing an account management program for managing an account, wherein the account management program displays an input screen for designating a withdrawal item and a withdrawal amount based on access authority, A recording medium storing an account management program for allocating withdrawal expenses for a plurality of designated withdrawal amounts and withdrawing the total amount of the withdrawal amounts in one operation. 10. In a computer-readable recording medium storing an account management program for managing an account, the account management program displays an input screen for designating a deposit cost item and a deposit amount, and displays the designated deposit cost item and deposit amount. A recording medium storing an account management program for acquiring an amount and depositing a total amount of the deposit amount.