JP2001319057A - Method and system for account cancel processing - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account cancel processing method which enables an account to be canceled on-line so that an Internet-only bank can be actualized. SOLUTION: This method has account cancel reservation accepting stages (S1, S2) for accepting an account cancel reservation inputted on-line by a user through a terminal, an account cancel judging stage (S4) which judges whether or not the account can be canceled, a transaction stop processing stage (S5) which stops transactions using the account when the account can be canceled, an account cancel confirmation information presenting stage (S7) which generates account cancel confirmation information showing at least part of account cancel necessary information when the account can be canceled and presents the information to the user, and an account canceling stage (S9) which cancels the account of the user according to acknowledgement information that the user inputs in response to the account cancel confirmation information and the account cancel reservation.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account termination processing method and an account termination processing system for closing an existing transaction account in a so-called Internet-only bank that provides banking services only through the Internet.

[0002]

2. Description of the Related Art In recent years, the so-called "Internet banking", which can receive various bank services through a computer network such as the Internet, has attracted attention.

[0003] In this Internet banking, a user's terminal and a server of a financial institution are connected via the Internet so that services such as balance / invoice / transfer account reference, transfer / transfer, and various kinds of information provision can be received. It has become. According to such Internet banking services, users can receive banking services anytime and anywhere, and banks are expected to reduce costs in various aspects. He is working hard on system development.

[0004]

By the way, conventional Internet banking is intended for existing customers who already have an account, and cannot perform online account opening to closing of an account online. This is due to the fact that there is no secure exchange method such as a password due to security problems on the Internet, and it becomes unclear when an account becomes usable or when an account becomes unavailable.

[0005] That is, when an Internet banking user cancels an existing account, he first requests an account cancellation application form from a bank, fills out the application form, seals it, and returns it to the bank. hand in. And
After confirming the application details at the bank, the account will be canceled by entering the terminal of the bank.

According to such a method, the user needs to fill in the application form with all the requirements such as the address, name, age, telephone number and the like, and then stamp the notification stamp, which is troublesome. Also, it is necessary for the bank to check all information such as the address, name, age, and telephone number based on the returned application form, which may be a heavy administrative burden. For this reason, the advantage of Internet banking cannot be fully utilized, and an Internet-only bank that can perform all transactions including account opening and closing on the Internet has not been realized.

Further, when canceling an account, it is necessary to return a cash card or the like, but it is dangerous to request such an action in a state where it is unknown whether the account has been canceled. As a means for avoiding such danger, measures such as cutting the cash card with a pinch or the like and returning it to the customer are generally adopted, but the security is still not perfect. In Internet banking, how to return the surrender money to customers is also an important issue.

The present invention has been made in view of such circumstances, and in order to realize a so-called Internet-only bank, an account cancellation processing method capable of canceling the above-mentioned inconvenience and canceling the account online is disclosed. It is intended to provide an account termination processing system.

[0009]

According to a first main aspect of the present invention, there is provided an account cancellation reservation receiving step for receiving an account cancellation reservation inputted online by a user through a terminal, An account cancellation possibility determining step for determining whether cancellation is possible, a transaction suspension processing step for stopping the transaction using the account if the account cancellation is possible, and the account cancellation if the account cancellation is possible Account termination confirmation information presenting step of creating and presenting to the user account termination confirmation information in which at least a part of necessary information is displayed, approval information and the account termination entered by the user for the account termination confirmation information And an account canceling step of canceling the user's account based on the necessary information. Preferably, the method further includes an account termination payment transfer step of transferring the account termination fee to an account designated by the user.

According to such a configuration, when an account cancellation reservation is received, the transaction using the account is stopped. This has the effect of exchanging security information, for example, returning a cash card or the like safely.

Further, according to the above configuration, it is possible to determine whether or not to cancel the account by using the information input by the user, and to generate account cancellation confirmation information for approving the account cancellation. As a result, this has the effect that both the user and the bank can significantly reduce the work of closing the account.

According to a second main aspect of the present invention, an account cancellation reservation receiving means for receiving an account cancellation reservation input by a user online through a terminal, and an account cancellation for determining whether account cancellation is possible. Availability determination means, transaction termination processing means for suspending transactions using the account if the account can be closed, and an account on which at least a part of the account termination necessary information is displayed if the account can be terminated Account termination confirmation information presenting means for creating termination confirmation information and presenting it to the user; and an account of the user based on the approval information entered by the user for the account termination confirmation information and the account termination necessary information. And an account cancellation means for canceling the account.

According to this configuration, there is provided an account termination processing system capable of executing the account termination processing method.

Further features and remarkable effects of the present invention will be more clearly understood from the following embodiments of the present invention and the accompanying drawings.

[0015]

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

As shown in FIG. 1, an account cancellation processing system 1 according to an embodiment of the present invention comprises a server 2 of a bank.
It is provided in. The server device 2 is connected to the Internet network 3 and is configured to be able to exchange information online with a terminal device 5 (for example, a personal computer) of the user 4.

FIG. 2 is a block diagram showing a system configuration of the account cancellation processing system 1, and FIG. 3 is a flowchart showing a processing procedure by the system 1. Hereinafter, the configuration of the account cancellation processing system 1 shown in FIG. 2 will be described with reference to the flowchart of FIG. 3 as appropriate. Note that “Step S...” Used in the description is a symbol indicating the processing order, and corresponds to the reference sign “S.

As shown in FIG. 2, the account cancellation processing system 1 is roughly divided into an account cancellation reservation unit 7, an account cancellation possibility determination unit 8, an approval form generation unit 9, and an account cancellation unit 10. Become. The account termination reservation unit 7 receives and processes an account termination reservation online from a user 4 having an account. The cancellation possibility determination unit 8 has a function of determining whether the user's account cancellation is possible based on the account cancellation reservation. The approval form generation unit 9 has a function of generating an approval form on which account cancellation necessary information is printed when account cancellation is possible, and presenting the approval form to the user. Further, the account canceling unit 10 receives the approval form approved by the user by pressing the seal, and executes the account canceling process based on the form. Hereinafter, these components will be described in more detail.

First, the account cancellation reservation section 7 sends the user 4
Account cancellation reservation receiving unit 12 that receives the account cancellation reservation from the customer together with the information necessary for account cancellation, and sets the account cancellation reservation status in the customer ledger 11 and the ordinary account ledger 13 based on the account cancellation reservation stored in the reception unit 12. And a cancellation reservation status setting unit 14.

The account cancellation reservation receiving section 12 authenticates the user based on the login information input by the user 4 from the terminal device 5. Here, the login information includes an ID and a password. Further, the account cancellation reservation receiving unit 12 transmits a reception form for inputting account cancellation necessary information to the terminal device 5 of the user 4 in the form of an HTML document or the like which can be displayed on a browser ( In step S1 shown in FIG. 3), an account cancellation reservation is received by receiving account cancellation information (account number, account for designating transfer of cancellation fee, etc.) input in this reception form (step S1).
2). The account cancellation reservation status setting unit 14
Accesses the customer ledger 11 and the ordinary account ledger 13 based on the account number included in the account cancellation reservation, and adds the account cancellation reservation status to the account referenced by the account number. As a result, an account cancellation reservation is set (step S3).

Further, the account cancellation possibility determination section 8 checks whether or not any restriction is added to the account to be canceled to determine whether the account can be canceled or not. And a transaction suspension processing unit 17 for suspending the transaction for the account based on the determination that the account can be canceled, and an account cancellation approval request for requesting an account cancellation approval to a user who can cancel the account. A portion 18.

The restriction item presence / absence determination unit 16
If there is any transaction restriction, such as when there is another time deposit, the account cancellation is denied and the cancellation reservation status is canceled (step S4). When it is determined that the account can be closed, the transaction suspension processing unit 17 sets a transaction suspension flag in the customer ledger 11 so as to suspend the transaction using the account (step S5). . In addition, the account cancellation approval request unit 18
Generates the account termination necessary information and the account number as approval data, and sends them to the approval form generation unit 9.

The approval form generator 9 processes the approval data into approval form printing data and transmits the data to an external printing system 20. As a result, an approval form on which the approval data is printed is created and transmitted to the user (steps S6 and S7).

FIG. 4 shows an example of this approval form. The approval form includes an account number printing unit 23 on which the account number is printed, an account cancellation required information printing unit 24 on which the account cancellation required information is printed, and an approval for the user to input approval information such as a seal. It comprises an information input section 25 and a check box 22 for checking whether or not a cash card is attached. After confirming the information printed on this approval form, the user 4 approves the account termination by stamping a seal on the approval information input section 25 and returns this approval form (step S8). At this time, the cash card is attached and returned together.

Since the account has become unusable at this point, even if there is a balance remaining in the account,
You can safely return your cash card. Therefore, it is sufficient to return the cash card by ordinary mail or the like without performing an action such as cutting the cash card with a cutter or the like.

On the other hand, as shown in FIG. 2, the account cancellation section 10 accepts an approval form in which the user has pressed a seal, and stores an account number or the like related to cancellation in the account data storage section 34 for which cancellation has been approved. An information receiving unit 28, a cancellation processing unit 29 for executing a cancellation process based on the account data for which the cancellation is approved, and an account cancellation fee for performing an account cancellation fee and transferring the account cancellation fee to an account designated by the user. And a gold processing unit 30.

The approval information receiving unit 28 inputs the account number described in the returned approval form to the terminal, and stores this information in the cancellation approved account data storage unit 34. The cancellation processing unit 29 matches the approved account data with the customer ledger and cancels the account referred to by the approved account number in the customer ledger (step S9). The customer's electronic seal book 33
To delete the imprint information registered for the account.

After calculating the termination interest, the account termination payment processing unit 30 outputs the sum of the interest and the transfer destination designated account data as the account termination payment data. Then, this account termination money processing unit 30
Performs a transfer process based on this account termination money data (step S10). Thus, all the processes are completed.

The components described above are actually constituted by a main program, a subroutine program, and other components stored in a fixed storage device (storage medium) provided in the computer system.
The functions are called by the RAM and executed by the CPU to perform the above functions.

According to the configuration described above, the following effects can be obtained.

First, according to the above configuration, since the account is suspended when the account cancellation reservation is made, the return processing of the cash card or the like can be performed safely thereafter.

Second, the account can be directly canceled based on the account cancellation necessary information input online by the user through the terminal. This has the effect of reducing the various labors of both the user and the bank.

Third, the first and second effects provide an effect that it is possible to open an Internet-only bank that can operate only on the Internet, including account cancellation.

The present invention is not limited to the above embodiment. Various modifications can be made without changing the gist of the invention.

For example, in the above-described embodiment, the account cancellation approval information is printed on an approval form and transmitted to the user, but may be transmitted as digital data online. In addition, although the approval has been performed with a seal, any means capable of confirming the approval can be appropriately selected from an electronic signature, an electronic authentication, and other methods.

[0036]

As described above, according to the present invention, it is possible to provide an account cancellation processing method and an account cancellation processing system that can cancel an account online in order to realize a so-called Internet bank.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.

FIG. 2 is also a functional block diagram.

FIG. 3 is a flowchart for explaining a processing procedure.

FIG. 4 is a diagram showing an account cancellation approval form.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Account cancellation processing system 2 ... Server device 3 ... Internet network 4 ... User 5 ... Terminal device 7 ... Account cancellation reservation part 8 ... Account cancellation possibility judgment part 9 ... Approval form generation part 10 ... Account cancellation part 11 ... Customer ledger 12: Account Cancellation Reservation Receiving Unit 13: Normal Account Ledger 14: Account Cancellation Reservation Status Setting Unit 16: Restriction Existence Judgment Unit 17: Transaction Suspension Processing Unit 18: Account Cancellation Approval Requesting Unit 20: Printing System 22: Check Cash Card Attachment Box 23: Account number printing unit 24 ... Account cancellation necessary information printing unit 25 ... Approval information input unit 28 ... Approval information reception unit 29 ... Cancellation processing unit 33 ... Electronic seal book 34 ... Cancellation approved account data storage unit

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Toru Mizuki 1-3-1, Kudanminami, Chiyoda-ku, Tokyo Inside Sakura Bank, Ltd. (72) Inventor Shusuke Kita 1-3-1, Kudanminami, Chiyoda-ku, Tokyo No. F-term in Sakura Bank, Ltd. (reference) 3E040 AA04 BA18 CA14 CB04 DA02 5B055 CB06 CB09 9A001 JJ25 JJ65 KZ58 LL03

Claims (5)

[Claims] Claims: 1. An account cancellation reservation receiving step for accepting an account cancellation reservation entered online by a user through a terminal; an account cancellation possibility determining step for determining whether account cancellation is possible; and if the account cancellation is possible, A transaction suspension processing step of suspending transactions using the account; and, if account termination is possible, account termination confirmation information in which at least a part of the account termination necessary information is displayed and presented to the user. A confirmation information presenting step; and an account termination step of terminating the account of the user based on the approval information entered by the user for the account termination confirmation information and the account termination reservation. Account termination processing method. 2. The account termination processing method according to claim 1, further comprising an account termination payment transfer step of transferring the account termination charge to an account designated by the user. 3. An account termination required information display section on which the account termination required information input by the user online through a terminal is printed, and an account termination approval information input section on which the user inputs authentication information for the account termination. Account termination approval form. 4. An account cancellation reservation receiving means for accepting an account cancellation reservation input online by a user through a terminal, an account cancellation possibility determining means for determining whether account cancellation is possible, and, if the account cancellation is possible, Transaction suspension processing means for suspending transactions using the account; and, if account termination is possible, account termination confirmation information in which at least a part of the account termination necessary information is displayed and presented to the user. Confirmation information presenting means, and account cancellation means for canceling the user's account based on the approval information entered by the user for the account cancellation confirmation information and the account cancellation reservation. Account termination processing system. 5. The account termination processing system according to claim 1, further comprising account termination payment transfer means for transferring the account termination fee to an account designated by a user.