JP2001338136A - Financial processing system, method for system processing of the financial processing system and recording medium recording program for the method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to perform a procedure enabling a user to additionally register an account usable for network banking on the network banking. SOLUTION: The user selects an ordinary deposit account from an ordinary deposit account selection screen W10 and inputs the fixed deposit account number of a transfer designation account. When the ordinary deposit account and the fixed time deposit account are in the user's name and these accounts practically exist as the accounts of the same seal impression, a business processing system 40 registers the fixed time deposit account in the user's deposit account table TB3 as an account usable for the network banking. Consequently the fixed time deposit account can be used for the network banking.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial processing system, a system processing method of the financial processing system, and a recording medium recording a program therefor.

[0002]

2. Description of the Related Art Various financial transactions can be performed between a user and a financial institution using a network such as the Internet. That is, even if the customer does not go to a store of a financial institution such as a bank, these procedures can be performed only by giving an instruction such as a transfer procedure or purchase of an investment trust from the information processing terminal.
Such a mechanism is generally called network banking.

[0003] In many cases, a user who uses this network banking has opened a plurality of accounts with a financial institution that provides the network banking service. Then, the user registers some of the plurality of accounts in the network banking, and sets the accounts to be available for transactions related to finance in the network banking.

[0004]

However, a registration procedure for making an account held by a user available for network banking is to notify a financial institution in writing at a window or by mail. Similarly, the removal of accounts made available by Network Banking from Network Banking will be notified to the financial institution in writing or by post. As described above, the written notification is required, so that there is a problem that the procedure required to add and delete an account available for network banking is complicated for the user.

Accordingly, the present invention has been made in view of the above problems, and newly registers an account held by a user at a financial institution as an account that can be used when conducting financial transactions via a network. It is an object of the present invention to provide a financial processing system in which a user can perform a procedure through a network. It is another object of the present invention to provide a financial processing system in which a user can perform, via a network, a procedure for deleting an account registered as an account that can be used when conducting a financial transaction via a network. .

[0006]

In order to solve the above problems, a financial processing system according to the present invention is a financial processing system for performing financial transactions between a user and a financial institution via a network. If the user intends to add a new account that can be used when conducting financial transactions through the, additional account identification information for identifying the new account to be added is transmitted to the network. Via the additional account specifying information obtaining means, the checking means for checking whether the account specified by the additional account specifying information exists as an account held by the user, and the additional account specifying information If the account specified by the above exists as an account held by the user, the user specifies the account specified by the additional account specifying information. Possible account be used in performing a transaction relating to financial through the network, newly added, characterized in that it comprises an additional means.

[0007] A system processing method for a financial processing system according to the present invention is a system processing method for a financial processing system for performing a financial transaction between a user and a financial institution via a network. When a user attempts to add a new account that can be used for conducting a transaction, obtain additional account identification information for identifying the newly added account via a network. Additional account specifying information obtaining step, an account specified by the additional account specifying information is checked to determine whether or not the account is held by the user, a checking step, and an account specified by the additional account specifying information Is present as an account held by the user, the account specified by the additional account Possible account be used in performing a transaction relating to financial via chromatography click, the newly added, characterized in that it comprises an additional step.

[0008] A recording medium according to the present invention is a recording medium in which a program relating to system processing of a financial processing system for performing financial transactions between a user and a financial institution via a network is recorded. If the user is trying to add a new account that can be used for financial transactions, obtain additional account identification information to identify the new account via the network. The additional account specifying information obtaining step, and confirming whether the account specified by the additional account specifying information exists as an account held by the user; a checking step; specified by the additional account specifying information If the account specified by the additional account specifying information exists as an account held by the user, Possible account the user uses in performing transactions on financial via the network, newly added, characterized in that it comprises, as additional steps.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the present embodiment, a user opens a financial institution by linking a business processing system for system management of network banking with a transaction processing system for system management of bank accounting business of a bank. A registration procedure for making an account available for use in network banking and a deletion procedure for making an account registered for use in network banking unavailable for use in network banking can now be performed on network banking. . As a result, the convenience of the user's registration procedure and deletion procedure is improved. This will be described in more detail below.

First, an overall configuration of network banking according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a block diagram showing the overall configuration of network banking to which the present embodiment is applied.

As shown in FIG. 1, a user who is a customer of a financial institution such as a bank operates a personal computer 12, a mobile phone 14, a television set 16 and the like to access network banking. The personal computer 12 is connected to a telephone line or the like via a modem or the like, and is connected to the provider 25 through the telephone line. The provider 25 is connected to the public network 20. The public network 20 is, for example, the Internet. The mobile phone 14 is also operated as appropriate to provide the public network 2 via the provider 25.
Connected to 0. In the case of the mobile phone 14, the public network 20 is connected via an i-mode (a registered trademark of NTT DoCoMo, Inc.), which is one of the services provided by NTT DoCoMo, Inc. Connected. The television set 16 has a function of connecting to a telephone line or the like. The television set 16 is connected to the provider 25 through the telephone line or the like, and further connected to the public network 20. In the present embodiment, user terminals capable of performing information processing such as the personal computer 12, the mobile phone 14, and the television set 16 are collectively referred to as an information processing terminal 10.

The above-mentioned provider 25 is a connection service provider system in which each user subscribes to connect the information processing terminal 10 to the public network 20 such as the Internet.

On the financial institution side, a reception server 30 connected to the public network 20 is provided. Instructions regarding various financial transactions are input to the reception server 30 from the information processing terminals 10 of a plurality of users via the provider 25 and the public network 20. In addition, the reception server transmits various responses to the information processing terminal 10 of each user via the public network 20 and the provider 25.

The reception server 30 is connected to a business processing system 40 also located at a financial institution, and this business processing system 40 is also connected to an electronic mail server 35 and a transaction processing system 50 also located at a financial institution.

As will be described in detail later, the business processing system 4
0, a customer information database 42, an information board database 44, and a reception database 46 are provided. The transaction processing system 50 is provided with an account database 52 and an account information database 54. The account database 52 records a deposit balance and a deposit / withdrawal history for each account.

The transaction processing system 50 is connected to the Zengin system 60 through a line to the outside of the financial institution. Then, it is connected to the system of another financial institution via the whole silver system 60. For example, when this financial institution is instructed to transfer to another financial institution, the processing is executed via this all-silver system 60.

The e-mail server 35 transmits an e-mail to an e-mail address reported by each user based on a request from the business processing system 40. The transmission of the e-mail is also performed via the public network 20. The e-mail transmitted from the e-mail server 35 manages the e-mail address, that is, is received by the provider 25 to which the user subscribes. The user can operate the information processing terminal 10 to browse the e-mail received by the provider 25 at an arbitrary timing.

The above-described reception server 30, e-mail server 35, business processing system 40, and transaction processing system 50
Thus, the financial processing system 70 according to the present embodiment is configured.

In the present embodiment, the financial processing system 70 is realized by four computers including the reception server 30, the e-mail server 35, the business processing system 40, and the transaction processing system 50. However, the present invention is not limited to this mode. is not. For example, these four computers are integrated, and the financial processing system 7 is
0 may be realized, or may be realized by being distributed to more computers.

Further, the division of various databases provided in the financial processing system 70 is not limited to the above example. For example, the above-described various databases may be integrated into one, or may be divided into more databases. Further, the financial processing system 70 may have a database other than this.

Next, a login process in the financial processing system 70 according to the present embodiment will be described with reference to FIG.
FIG. 2 is a flowchart illustrating the log-in processing in the financial processing system 70.

As shown in FIG. 2, a user who intends to make a financial transaction by using network banking operates the information processing terminal 10 and requests a log-in to the network banking provided by the financial processing system 70. In this case, the reception server 30 transmits the information to the information processing terminal 10 of the user attempting to log in to the network banking as shown in FIG.
Is displayed (step S1).
0).

On the login input screen W1, the user enters the network banking ID in the field T10.
, And a login password is entered in the field T11. Then, the "login" button B10 is clicked. As a result, the network banking ID and the login password input by the user are stored in the reception server 30.
Is transmitted to the business processing system 40 via the.

In the present embodiment, an encrypted link is formed between the information processing terminal 10 of the user and the financial processing system 70 from the time when the login input screen W1 is displayed. In the present embodiment, the encryption between the information processing terminal 10 of the user and the financial processing system 70 is performed by SSL.
(Secure socket layer). Therefore, the subsequent exchange of information between the information processing terminal 10 and the financial processing system 70 has substantially no risk of being read or falsified by a third party. For this reason, for example, the network banking ID and the login password transmitted from the information processing terminal 10 of the user to the financial processing system 70 are encrypted, so that an unauthorized third party can obtain the information on the public network 20. There is virtually no risk of being done. The encryption method is not limited to SSL, and may be another method.

Next, the financial processing system 70 performs a process of accepting this login. Specifically, as shown in FIG. 2, the business processing system 40 in the financial processing system 70 searches the network banking ID table of the customer information database 42, and the network banking ID input by the user is transmitted to the financial processing system 70. It is determined whether or not it exists (step S11). If the network banking ID input by the user does not exist (step S11: No), the process returns to step S10, and the login input screen W1 (see FIG. 3) is displayed again.

If the network banking ID input by the user exists (step S11: Yes),
The business processing system 40 searches the login password table of the customer information database 42, and checks the login password registered corresponding to the network banking ID. Then, it is determined whether or not the registered login password matches the login password entered by the user (step S12). When the login password entered by the user does not match the registered login password (step S12:
No), the process returns to step S10, and the login input screen W1 (see FIG. 3) is displayed again.

A login password entered by the user,
If the registered login password matches (step S12: Yes), the business processing system 4
0 displays the initial screen W2 shown in FIG. 4 on the information processing terminal 10 of the user (step S13). The initial screen W2 in FIG. 4 is a main menu screen for selecting a network banking service according to the present embodiment.

Next, a description will be given of a use account additional registration process for newly registering a time deposit account as an account usable in network banking. This use account additional registration processing is a use account new registration reception processing shown in FIG.
1 and the check process of the new registration of the use account shown in FIG.
The process comprises a new use account registration execution process shown in FIG.

First, referring to FIG. 5, a description will be given of a reception process when a time deposit account is additionally registered as an account usable in network banking. This figure 5
FIG. 5 is a flowchart illustrating a use account new registration reception process in which the user uses the information processing terminal 10 to newly register a time deposit account in network banking. The use account new registration accepting process shown in FIG. 5 is a process that is started when the user clicks the “add service account” button B20 on the initial screen W2 shown in FIG.
This is the process performed by

Here, new registration of a fixed-term deposit account in network banking means that a user has already opened a fixed-term deposit account at a financial institution, but has not registered as an account available for network banking. This means that this time deposit account is newly registered as an account available for network banking.

In the present embodiment, the term deposit accounts that can be newly registered in the network banking are limited to the term deposit accounts that are set as a general account with the general deposit account. If this is a general account,
This is because the transaction processing system 50 knows that the ordinary deposit account and the time deposit account have the same seal and the same name. In addition, accounts other than the ordinary savings account and the fixed-term savings account may be incorporated in the general account as the same seal and the same name.

As shown in FIG. 5, first, the business processing system 40 sends the information processing terminal 10
Next, a savings account selection screen W10 shown in FIG. 6 is displayed (step S20). Specifically, the business processing system 4
0 searches the savings account table of the customer information database 42 and checks the ordinary savings account that the user is dealing with in network banking.

FIG. 7 is a diagram showing the structure of the deposit account table TB1 according to the present embodiment. As shown in FIG. 7, the deposit account table TB1 holds accounts registered in network banking by each user in a table format.

The deposit account table TB1 has the following items:
Store number 100, subject 101, and account number 1 of the basic account
02 and a deposit balance 103. Further, it has a store number 104, an account 105, an account number 106, a number 107, and a deposit balance 108 of a designated transfer account, which is an account to be transferred from a basic account. Further, the deposit account table TB1 is composed of a representative account statement table TB11,
It is divided into a non-representative account statement table TB12.

In the present embodiment, one of the accounts opened by the user at the financial institution is used as a representative account, and this representative account is used as a unique key for specifying the user. That is, in the financial processing system 70,
The user management is performed by replacing the logged-in network banking ID with the representative account of the user. For this reason,
The business processing system 40 searches the representative account table TB2 of the customer information database 42 shown in FIG. 8 and specifies the representative account corresponding to the user's network banking ID. This representative account includes a store number, a subject, and an account number. Based on the representative account, the business processing system 40 that has specified the representative account uses the representative account statement table TB11 in the deposit account table TB1 shown in FIG.
And specifies the deposit account table TB1 of the user.

Then, in the network banking, the user generates a list of ordinary accounts registered as a transaction target and displays it as an ordinary account list T100 on an ordinary account selection screen W10 shown in FIG. .

In the present embodiment, information relating to the balance of each account of the user is stored in a deposit account table TB1 of the customer information database 42. That is, at regular intervals, for example, once a day, the transaction processing system 50 searches the accounting database 52 to check a new account balance and the like, and transmits the same to the business processing system 40. However, the business processing system 40 may search the account database 52 of the transaction processing system 50 whenever necessary, without holding the information on the deposit balance or the like in the customer information database 42.

On the saving account selection screen W10 shown in FIG. 6, the user selects a savings account corresponding to the term savings account newly registered as a network banking transaction object. That is, a general savings account that is a pair of a time deposit account that is newly registered in network banking this time is selected. Here, it is assumed that the user has selected the ordinary account “Shimbashi Branch”, “Normal”, and “2345678” in the ordinary account list T100.

In the present embodiment, the ordinary deposit account and the time deposit account are paired one by one. For this reason, in the example of FIG.
998510 is already a fixed account 56789 of Gotanda branch
01 is registered in Network Banking as a designated transfer account, so that it cannot be newly selected as a fixed deposit account transfer account. Similarly, since the regular account 1234567 of the Kitaurawa west exit branch has already registered the fixed account 6789012 of the Kitaurawa west exit branch as a designated transfer account in network banking, it cannot be newly selected as a transfer account of the fixed term deposit account. ing.

Next, the user enters the ordinary account list T1 in the field F100 of the ordinary account selection screen W10.
Enter the account number of the time deposit account corresponding to the savings account selected at 00. Then, a “Next” button B10
Click 0. Thereby, the numbers of the savings account and the time deposit account selected by the user are transmitted to the business processing system 40 via the reception server 30.

In the present embodiment, the time deposit account that can be newly registered in the network banking is limited to the general account time deposit account. Is the same as
For this reason, on the ordinary deposit account selection screen W10, the input of the store number of the time deposit account is omitted. However,
When the time deposit account that can be newly registered in the network banking is not limited to the same main branch as the ordinary deposit account, it is necessary to input the store number of the time deposit account on the ordinary account selection screen W10.

Next, the business processing system 40 displays the confirmation password input screen W11 shown in FIG. 9 on the information processing terminal 10 of the user via the reception server 30 (step S21). The user confirms the contents of the confirmation password input screen W11, and if the contents are determined to be satisfactory, enters the confirmation password in the field F110. This confirmation password is different from the login password registered with the financial institution to access network banking, and is provided to confirm the user's intention when performing various processing in network banking. Password. Then, the user clicks the “execute service use registration” button B110. As a result, the confirmation password input by the user is transmitted to the business processing system 4 via the reception server 30.
Sent to 0.

Next, as shown in FIG. 5, the business processing system 40 searches the confirmation password table in the customer information database 42, and confirms the confirmation password registered by the user in advance and the entered confirmation password. Is determined to match (step S22). When the confirmation password registered by the user in advance does not match the entered confirmation password (step S22:
No), the process returns to step S21, and the confirmation password input screen W11 shown in FIG. 9 is displayed again on the information processing terminal 10 of the user. This causes the user to input the confirmation password again.

If the confirmation password registered by the user in advance matches the entered confirmation password (step S22: Yes), the business processing system 4
No. 0 registers the reception of the new registration request for the usage account in the reception database 46 (step S23). Specifically, the business processing system 40 sends the store number, the account, and the account number of the saving account selected by the user, and the store number, the account, and the account number of the time deposit account input by the user as a new registration request for the use account. Are registered in the reception database 46.

Next, the business processing system 40 displays a confirmation screen W12 shown in FIG. 10 on the information processing terminal 10 of the user (step S24). The user confirms this confirmation screen W1
Check the contents displayed in Step 2 and click the “Go to Initial Screen” button B
Click 120.

Next, as shown in FIG. 5, the business processing system 40 displays the initial screen W2 shown in FIG. 4 on the information processing terminal 10 of the user (step S25). As a result, the new use account registration acceptance process in the present embodiment ends.

Next, referring to FIG. 11, a description will be given of a use account new registration check process in which the transaction processing system 50 checks a new use account registration request registered in the reception database 46. FIG. 11 checks whether the time deposit account newly registered as an account available for network banking received from the user is an account set as a general account of the user as a general account, 9 is a flowchart illustrating a process of replying a check result to the business processing system 40. In the present embodiment, the use account new registration check process is a batch process started once a day.

As shown in FIG. 11, first, the transaction processing system 50 receives a new registration request for a usage account registered in the reception database 46 from the business processing system 40 (step S30). This use account new registration check process is a batch process once a day. Therefore, a new registration request for a plurality of use accounts may be registered in the reception database 46. In this case, the reception database 46 The new use account registration check process shown in FIG. 11 is performed for the number of use account new registration requests registered in.

Next, the transaction processing system 50 executes the general account correspondence table TB3 (FIG. 1) of the account information database 54.
2) to check whether the savings account and the time deposit account selected by the user exist under the same name and with the same seal (step S31).

As shown in FIG. 12, in the present embodiment, the general account correspondence table TB3 contains the store number 110, the account 111, the account number 112, and the flag 1 of the ordinary deposit account.
13, the store number 114, the subject 115, and the account number 116 of the time deposit account opened corresponding to the ordinary deposit account.
And the flag 117 are held. That is, the comprehensive account correspondence table TB3 holds the ordinary deposit account and the time deposit account of the same name and the same seal in the comprehensive account in association with each other. Therefore, the transaction processing system 50 searches the comprehensive account correspondence table TB3 to determine whether the savings account selected by the user and the time deposit account input by the user exist as a comprehensive account with the same name and the same seal. Check if not.

The flag 113 in the comprehensive account correspondence table TB3 indicates that the ordinary saving account is an account that can be used for network banking,
This is a savings account registration flag indicating whether or not the account is registered. In the present embodiment, when the flag 113 is 1, it indicates that the ordinary deposit account is registered as an account available for network banking.
Similarly, the flag 117 is a time deposit account registration flag indicating whether the time deposit account is registered in the business processing system 40 as an account available for network banking. In the present embodiment, the flag 117
Indicates that the time deposit account is registered as an account available for network banking.

In this embodiment, the flags 113, 1
17 is used as follows. That is, the fact that the flags 113 and 117 are 1 means that the account is registered in the network banking. Therefore, as described above, for example, once a day,
The balance of the ordinary account with the flag 113 being 1 and the balance of the time deposit account with the flag 117 being 1 are transmitted from the transaction processing system 50 to the business processing system 40. In addition, network banking in this embodiment is charged, and the financial institution collects a monthly fee from the user. When identifying the customer who collects this monthly fee,
The flags 113 and 117 are used.

Further, the transaction processing system 50, which is an accounting system, can be accessed from a terminal installed at the head office and branch office of the financial institution. It is impossible to access from the terminal installed in the branch. Therefore, the general account correspondence table TB of the transaction processing system 50
By using the flags 113 and 117 of No. 3, the financial officer of the main branch can check from the terminal installed in the main branch whether or not the customer uses network banking.

Next, as shown in FIG. 11, the transaction processing system 50 determines whether the savings account selected by the user and the time deposit account input by the user exist as a general account of the same name and the same seal. Is determined (step S
32). When it is determined that the savings account selected by the user and the time deposit account input by the user exist as a general account of the same name and the same seal (step S32:
In Yes, the transaction processing system 50 sets the flag 117 of the corresponding time deposit account in the comprehensive account table TB3 (step S33). Subsequently, the transaction processing system 5
0 transmits to the business processing system 40 a check result indicating that the savings account selected by the user and the time deposit account input by the user exist as a general account with the same name and the same seal (step S34). . Thus, the new use account registration check process ends.

On the other hand, in step S32 described above,
When it is determined that the savings account selected by the user and the time deposit account input by the user do not exist as a comprehensive account of the same name and the same seal (Step S32: No)
In the transaction processing system 50, the business processing system 40 sends a check result indicating that the saving account selected by the user and the time deposit account input by the user do not exist as a general account of the same name and the same seal to the business processing system 40. It transmits (step S35). Thus, the new use account registration check process ends.

Next, based on FIG. 13, the business processing system 4 receiving the check result from the transaction processing system 50
The use account new registration execution process of No. 0 will be described. FIG. 13 shows the business processing system 4 receiving the check result.
0 is a flowchart for explaining processing to be performed to make a new time deposit account available for network banking based on the check result.

As shown in FIG. 13, the business processing system 4
0 receives the check result from the transaction processing system 50 (step S40). As described above, the use account new registration check processing executed in the transaction processing system 50 is as follows.
Since the batch processing is performed once a day, this step S
Receipt of the check result at 40 is also performed once a day. Also, check results are received as many as the number of new registration requests for a usage account registered in the reception database 46. Therefore, this new use account registration execution process is also executed by the number of received check results.

As shown in FIG. 13, the business processing system 4
0 determines whether or not the check result indicates that the savings account selected by the user and the time deposit account input by the user exist as a general account of the same name and the same seal (step). S41). If it is determined that the savings account selected by the user and the time deposit account input by the user exist as a general account with the same name and the same seal (step S41: Yes), the business processing system 40 proceeds to FIG. Is registered in the user's deposit account table TB1 shown in FIG.
42).

Specifically, the business processing system 40 searches the deposit account table TB1 of the customer information database 42. Then, the user's deposit account table TB1
The term deposit account entered by the user is registered in the item of the designated transfer account corresponding to the savings account selected by the user. That is, the same store number 104 as the ordinary deposit account
And the account 105 of the time deposit and the account number 106 input by the user. In this example, the shop number 555 of the Shimbashi branch and the regular account 9995678 are newly stored as the transfer designation account in the items of the shop number 555 of the Shinbashi branch and the normal account 2345678 in the non-representative account statement table TB12. As a result, the time deposit account entered by the user is used as an account that can be used for network banking,
You will be newly registered.

Next, as shown in FIG. 13, the business processing system 40 sends an e-mail to the user indicating that an account usable for network banking has been additionally registered, and detailed information on the additional registration. Is registered in the information board of the user (step S43). Specifically, the business processing system 40 searches the e-mail address table of the customer information database 42, checks the e-mail address of the user, and transmits the e-mail via the e-mail server 35. Further, the business processing system 40 registers detailed information on the account additionally registered in the network banking in the information board table in the information board database 44. Thus, the new use account registration execution process ends.

On the other hand, in step S41 described above,
When it is determined that the savings account selected by the user and the time deposit account input by the user do not exist as a general account of the same name and the same seal (step S41: No).
The business processing system 40 sends an e-mail to the user to the effect that the account could not be additionally registered in the network banking, and detailed information on the failure to add the account to the user's information board. Register (step S44). Thus, the new use account registration execution process ends.

In the present embodiment, it is assumed that an e-mail is transmitted only to the effect that an account that can be used for network banking has been additionally registered or that additional registration has not been performed. I have.
This is because the e-mail is not encrypted, so that the contents may be read by a third party or the contents may be falsified. Then, the information of the account additionally registered in the network banking or the account that could not be additionally registered is described in detail in the information board. For example, store numbers, accounts, and account numbers of accounts that have been additionally registered or accounts that could not be additionally registered are not included in the e-mail but are included only in the information board.

The information registered in the information board is displayed in the information board list T20 on the initial screen W2 shown in FIG. 4, and the user selects the information displayed in the information board list T20 as appropriate, and the information is displayed. Detailed information can be viewed. As described above, at this point, the user's information processing terminal 10 and financial processing system 70
Since the communication between is encrypted, there is substantially no risk of the contents being viewed by a third party or being tampered with.

Next, the use account registration deletion processing for deleting an account such as a savings account registered as an account usable in network banking from the registration of network banking will be described. The use account registration deletion process includes a use account deletion reception process shown in FIG. 14, a use account deletion check process shown in FIG. 18, and a use account deletion execution process shown in FIG.

First, based on FIG. 14, an account registered as an account available for network banking is
The reception process when deleting data so that it cannot be used in network banking will be described. FIG. 14 is a flowchart showing a use account deletion accepting process for accepting an account registration from network banking. The use account deletion accepting process shown in FIG. 12 is a process that is started when the user clicks the “delete service use account” button B21 on the initial screen W2 shown in FIG.

Here, the deletion of an account from network banking means that an account registered as an account available for network banking is an account that cannot be used for network banking. Therefore,
Even if you delete an account from Network Banking,
The account itself is an account opened at the financial institution,
It will survive as it is.

Further, in the present embodiment, among accounts registered in the network banking, it is possible to delete the accounts other than the representative account only by operating the information processing terminal 10 by the user. That is, other than the representative account, an ordinary saving account, a savings account, a checking account, a time deposit account, and the like can be deleted by operating the information processing terminal 10.

As shown in FIG. 14, first, the business processing system 40 displays the deleted account selection screen W20 shown in FIG. 15 on the information processing terminal 10 of the user via the reception server 30 (step S50). Specifically, the business processing system 40 searches the deposit account table TB1 (see FIG. 7) of the customer information database 42, and checks the deposit account that the user is dealing with in network banking. That is, the user's deposit account table TB1
To identify a savings account, a savings account, a checking account, a time deposit account, etc., which the user has registered as an account available for network banking. And, in the network banking,
Generate a list of accounts registered for transactions,
Account list T2 on the deleted account selection screen W20 shown in FIG.
00 and T201 are displayed.

On the deletion account selection screen W20 shown in FIG. 15, the user selects the account to be deleted this time from the accounts registered as the transaction targets of the network banking. That is, the user selects one ordinary account, savings account, or checking account to be deleted from network banking from the account list T200. Alternatively, the user selects one time deposit account to be deleted from network banking from the account list T201.

However, in this embodiment, since the management of the user in the financial processing system 70 is performed using the representative account, the ordinary account, which is the representative account displayed at the top of the account list T200, is displayed. Cannot be selected. Also, accounts that are accepting financial transactions cannot be deleted from network banking at that time, and therefore cannot be selected as accounts to be deleted. That is, the financial processing system 7
When 0 accepts a transaction related to finance, the transaction is registered in the acceptance database 46 as a transaction request. Then, at regular time intervals, the transaction processing system 50 searches the reception database 46 and processes the transaction requests stored in the reception database 46 collectively. Therefore, for example, if a process of withdrawing funds from the user's savings account and transferring it to a third party's savings account is accepted, the user's account is not processed until the process is executed by the transaction processing system 50. The paying savings account cannot be deleted.

For this reason, the business processing system 40 is configured as shown in FIG.
5 account list T20 on the deleted account selection screen W20 shown in FIG.
When generating 0 and T201, a transaction request registered in the reception database 46 is searched, and it is checked whether or not there is an account that is accepting a transaction relating to finance at that time. If there is an account that accepts financial transactions, the account is listed in the account list T2.
At 00 and T201, selection is disabled. FIG.
In the example, the savings account 3456789 of the Shimbashi branch is an account that is accepting transactions related to finance, and therefore cannot be selected.

In the present embodiment, when a savings account having a time deposit account as a transfer designated account is deleted, the time deposit account is also deleted.
This is because, in the present embodiment, the ordinary account and the time deposit account of the general account are managed as one set. However, even if you delete a savings account that has a time deposit account as a designated transfer account, delete only that savings account from network banking registration and leave the time deposit account as an account available for network banking. Is also good.

Here, on the delete account selection screen W20 shown in FIG. 15, the user deletes the ordinary account of “Kitaurawa Nishiguchi Branch”, “Normal”, and “1234567” in the account list T200 from the network banking. Suppose you select it as an account. Then, a “Next” button B20
Click 0. As a result, the account selected by the user is transmitted to the business processing system 40 via the reception server 30.

Next, as shown in FIG. 14, the business processing system 40 displays the confirmation password input screen W21 shown in FIG. 16 on the information processing terminal 10 of the user via the reception server 30 (step S51). ). The user confirms the contents of the confirmation password input screen W21, and if the contents are determined to be satisfactory, enters the confirmation password in the field F210. Then, the user clicks the “execute usage account deletion” button B210. Thereby, the confirmation password input by the user is transmitted to the business processing system 40 via the reception server 30.

Next, as shown in FIG. 14, the business processing system 40 searches the confirmation password table of the customer information database 42, and confirms the confirmation password registered by the user in advance and the entered confirmation password. Is determined whether they match (step S52). When the confirmation password registered by the user in advance does not match the entered confirmation password (step S5).
2: No) returns to step S51 described above, and again displays the confirmation password input screen W21 shown in FIG. 16 on the information processing terminal 10 of the user. This causes the user to input the confirmation password again.

If the confirmation password registered by the user in advance matches the entered confirmation password (step S52: Yes), the business processing system 4
No. 0 registers the reception of the use account deletion request in the reception database 46 (step S53). In particular,
The business processing system 40 receives the use account deletion request as
The store number, the account, and the account number of the account selected by the user are registered in the reception database 46. In the case of the example of FIG. 15 and FIG. 16, the store number 123 (Kitaurawa west exit branch) and the account number
3 (Kitaurawa West Exit Branch), account number 678 of the time deposit account
9012 will also be deleted. Therefore, the request to delete both the ordinary account and the time deposit account is registered in the reception database 46.

Next, the business processing system 40 displays a confirmation screen W22 shown in FIG. 17 on the information processing terminal 10 of the user (step S54). The user confirms this confirmation screen W2
Check the contents displayed in Step 2 and click the “Go to Initial Screen” button B
Click 220.

Next, as shown in FIG. 14, the business processing system 40 displays the initial screen W2 shown in FIG. 4 on the information processing terminal 10 of the user (step S55). Thus, the use account deletion acceptance process in the present embodiment ends.

Next, a use account deletion check process in which the transaction processing system 50 checks a use account deletion request registered in the reception database 46 will be described with reference to FIG. FIG. 18 is a flowchart illustrating a process of checking whether the deleted account received from the user is an account opened properly at the financial institution, and returning the check result to the business processing system 40. In the present embodiment, the use account deletion check process is a batch process that starts once a day.

As shown in FIG. 18, first, the transaction processing system 50 receives a request to delete a usage account registered in the reception database 46 from the business processing system 40 (step S60). This use account deletion check processing is performed as follows:
Since the batch processing is performed once a day, a plurality of use account deletion requests may be registered in the reception database 46. In this case, a request for deleting the use account registered in the reception database 46 is issued. The use account deletion check process shown in FIG. 18 is performed by the number.

Next, the transaction processing system 50 searches the account information database 54 and finds that the account selected by the user is
It is checked whether or not the account is properly opened at the financial institution (step S61). For example, if the account specified by the user to be deleted is a general account savings account or a time deposit account, the transaction processing system 5
0 searches the comprehensive account correspondence table TB3 to check whether the ordinary deposit account or the fixed term deposit account selected by the user properly exists in the financial institution. If the account selected by the user is other than the general account savings account or time deposit account, for example, if the account is a savings account or a checking account, the corresponding account table is searched and checked. Will do.

Next, as shown in FIG. 18, the transaction processing system 50 determines whether the account selected by the user properly exists in the financial institution (step S62). If it is determined that the account selected by the user exists properly at the financial institution (step S62: Yes), the transaction processing system 50 defeats the network banking registration flag of the corresponding account (step S63). For example, when deleting the registration of the general account of the savings account in the network banking, the flag 113 of the corresponding general savings account in the general account correspondence table TB3 and the time deposit account set in the general savings account are set. The flag 117 is defeated. Subsequently, the transaction processing system 50 transmits a check result indicating that the account selected by the user properly exists in the financial institution to the business processing system 40 (step S6).
4). Thus, the use account deletion check processing ends.

On the other hand, in step S62 described above,
If it is determined that the account selected by the user does not properly exist in the financial institution (step S62: No), the transaction processing system 50 determines that the account selected by the user does not properly exist in the financial institution. Is transmitted to the business processing system 40 (step S65). This is, for example,
This occurs when the business processing system 40 accepts registration deletion of a use account and then cancels the account. Thus, the use account deletion check processing ends.

Next, based on FIG. 19, the business processing system 4 receiving the check result from the transaction processing system 50
The use account deletion execution process of No. 0 will be described. This figure 1
9 is the business processing system 40 that has received the check result.
Is a flowchart illustrating a process performed to delete an account registered for use in network banking based on the check result.

As shown in FIG. 19, the business processing system 4
0 receives the check result from the transaction processing system 50 (step S70). As described above, the use account deletion check process executed in the transaction processing system 50 is a batch process once a day.
Is received once a day. Also, check results are received as many times as the number of usage account deletion requests registered in the reception database 46. Therefore, this use account deletion execution process is also executed by the number of received check results.

As shown in FIG. 19, the business processing system 4
0 determines whether or not the check result indicates that the account selected by the user exists properly in the financial institution (step S71). When it is determined that the account selected by the user exists properly in the financial institution (step S7)
1: Yes), the business processing system 40 deletes the corresponding account from the user's deposit account table TB1 shown in FIG. 7 (step S72). Specifically, the business processing system 40 determines the deposit account table TB1 shown in FIG.
From the user's deposit account table TB1,
Delete the account selected by the user. In the case of the example of FIGS. 15 and 16, the store number 1 located at the top of the non-representative account statement table TB12 is obtained from the deposit account table TB1 of FIG.
23 (Kitaurawa West Exit Branch), account number 12 of savings account
Delete 34567. Along with deleting this savings account, store number 123 (Kitaurawa West Exit Branch),
The account number 6789012 of the time deposit account is also deleted. As a result, the account selected by the user has been deleted from the accounts available for network banking.

Next, as shown in FIG. 19, the business processing system 40 sends an e-mail to the user to the effect that the account available for network banking has been deleted, and sends detailed information on the registration deletion. Register in the information board of the user (step S7
3). Specifically, the business processing system 40 searches the e-mail address table of the customer information database 42, checks the e-mail address of the user, and transmits the e-mail via the e-mail server 35. Also,
The business processing system 40 registers detailed information on the account registered and deleted from network banking in the information board table in the information board database 44. Thus, the use account deletion execution process ends.

On the other hand, in step S71 described above,
If it is determined that the account selected by the user does not properly exist in the financial institution (step S71: No), the business processing system 40 sends an e-mail to the user indicating that the account could not be registered and deleted from network banking Is transmitted, and detailed information on the fact that the registration could not be deleted is registered in the information board of the user (step S74). Thus, the use account deletion execution process ends.

In this embodiment, the electronic mail transmits only a message indicating that an available account has been deleted from the network banking or that the account could not be deleted, and does not include detailed contents thereof. This is because the e-mail is not encrypted, so that the contents may be read by a third party or the contents may be falsified. The information on the account deleted from the network banking or the account that could not be deleted is described in detail in the information board.
For example, the store number, account, and account number of a deleted account or an account that could not be deleted are not included in the e-mail but are included only in the information board.

The information registered in the information board is displayed in the information board list T20 on the initial screen W2 shown in FIG. 4, and the user selects the information displayed in the information board list T20 as appropriate, and the information is displayed. Detailed information can be viewed. As described above, at this point, the user's information processing terminal 10 and financial processing system 70
Since the communication between is encrypted, there is substantially no risk of the contents being viewed by a third party or being tampered with.

As described above, according to the financial processing system 70 in the present embodiment, the additional registration and deletion of an account usable for network banking, which has conventionally been performed at the counter of a financial institution or by mail, can be performed by the user. Information processing terminal 1
Since the process can be started from zero, the convenience of the user as a customer can be improved.

[0092] Further, there is a case where a document when a user reports addition or deletion of an account usable in network banking is incomplete, etc., so that even a financial institution can reduce the management cost of network banking. it can. In addition, the time required to register or delete an account in network banking can be significantly reduced.

The present invention is not limited to the above embodiment but can be variously modified. For example, in the above-described embodiment, both the case where a new account available for network banking is added and the case where an account available for network banking is deleted are performed simply by the user operating the information processing terminal 10. Although the processing can be performed, the processing may be performed only by operating the information processing terminal 10 in only one of the cases.

Further, in the above-described embodiment, an example has been described in which a time deposit account is newly made available by network banking.
By simply operating “0”, additional registration as an account that can be newly used in network banking may be made possible. For example, when there is an investment trust account that has been opened in advance at a financial institution as a fund transfer account of a savings account, the investment trust account may be newly registered as an account available for network banking. Furthermore, the user operates the information processing terminal 10 for various accounts previously opened in the financial institution without considering the relevance to the ordinary savings account, and newly establishes a new network via the public network 20. It may be possible to register or delete an account available for banking. Further, a plurality of transfer designation accounts possessed by one ordinary deposit account may be provided.

Further, in the above-described embodiment, the business processing system 40 temporarily registers the request for adding and registering an account and the request for deleting the account in the reception database 46, and the transaction processing system 50 executes the batch processing once a day. Although these requests are processed in the processing, a request for additional registration and a request for registration deletion of these accounts may be processed in real time.

The financial institutions in the above-described embodiments should be interpreted in a broad sense, and include all financial institutions such as banks, securities companies, life insurance companies, non-life insurance companies, and post offices.

For each process described in the above embodiment, a program for executing each process is stored in a floppy (registered trademark) disk, CD-ROM (Compact Dimm).
It can be recorded on a recording medium such as a sc-Read Only Memory (ROM), a ROM, or a memory card and distributed in the form of a recording medium. In this case, the above-described embodiment can be realized by causing a computer constituting the financial processing system 70 to read and execute the recording medium on which the program is recorded.

[0098] The computer constituting the financial processing system 70 may include another program such as an operating system or another application program. In this case, utilizing other programs provided in the computer constituting the financial processing system 70, the recording medium includes, from the programs provided in the computer, an instruction for calling a program for realizing processing equivalent to that of the present embodiment. It may be recorded.

Further, such a program can be distributed not as a recording medium but as a carrier wave through a network. The program transmitted in the form of a carrier wave on the network is taken into a computer constituting the financial processing system 70, and the above-described embodiment can be realized by executing the program.

[0100] When a program is recorded on a recording medium or transmitted as a carrier wave over a network, the program may be encrypted or compressed.
In this case, the computer constituting the financial processing system 70 that reads the program from the recording medium or the carrier wave needs to execute the program after decrypting and expanding the program.

[0101]

As described above, according to the financial processing system according to the present invention, the user can perform a procedure for newly adding an account to be used when conducting a financial transaction via the network via the network. Since it can be performed, the convenience for the user can be improved.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of network banking to which the present invention is applied.

FIG. 2 is a flowchart illustrating a login process according to an embodiment of the present invention.

FIG. 3 is a view showing a login input screen displayed on the information processing terminal of the user in the login process.

FIG. 4 is a view showing an initial screen displayed on the information processing terminal of the user in the login process.

FIG. 5 is a flowchart illustrating a new use account registration reception process according to an embodiment of the present invention.

FIG. 6 is a diagram showing a savings account selection screen displayed on a user's information processing terminal in a new use account registration accepting process.

FIG. 7 is a view showing a structure of a deposit account table held by the financial processing system according to the embodiment.

FIG. 8 is an exemplary view showing a structure of a representative account table held by the financial processing system according to the embodiment.

FIG. 9 is an exemplary view showing a confirmation password input screen displayed on the information processing terminal of the user in the use account new registration accepting process according to the embodiment.

FIG. 10 is an exemplary view showing a confirmation screen displayed on the information processing terminal of the user in the new use account registration receiving process according to the embodiment.

FIG. 11 is a flowchart illustrating a new use account registration check process according to an embodiment of the present invention.

FIG. 12 is a view showing a structure of a comprehensive account correspondence table held by the financial processing system according to the embodiment.

FIG. 13 is a flowchart illustrating a usage account registration execution process according to an embodiment of the present invention.

FIG. 14 is a flowchart illustrating a usage account deletion acceptance process according to an embodiment of the present invention.

FIG. 15 is a view showing a deleted account selection screen displayed on the information processing terminal of the user in the use account deletion accepting process according to the embodiment.

FIG. 16 is a view showing a confirmation password input screen displayed on the information processing terminal of the user in the use account deletion accepting process according to the embodiment.

FIG. 17 is an exemplary view showing a confirmation screen displayed on the information processing terminal of the user in the use account deletion accepting process according to the embodiment.

FIG. 18 is a flowchart illustrating a use account deletion check process according to an embodiment of the present invention.

FIG. 19 is a flowchart illustrating a usage account deletion execution process according to an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Information processing terminal 12 Personal computer 14 Mobile telephone 16 Television set 20 Public network 30 Reception server 35 E-mail server 40 Business processing system 42 Customer information database 44 Information board database 46 Reception database 50 Transaction processing system 52 Account database 54 Account information database 60 Zengin System

Claims (6)

[Claims] A financial processing system for performing a financial transaction between a user and a financial institution via a network, comprising: an account that can be used when performing a financial transaction via a network; When an attempt is made to add a new account, an additional account specifying information obtaining means for obtaining, via a network, additional account specifying information for specifying an account to be newly added, specified by the additional account specifying information The account to be confirmed as to whether or not the account is held by the user, a confirmation unit, and if the account specified by the additional account specifying information is present as an account held by the user, The account identified by the additional account identification information is defined as an account that the user can use when conducting financial transactions via the network. Te, newly added, financial processing system characterized in that it comprises an additional means. 2. When a user intends to delete an account registered as an account that can be used when conducting a financial transaction through a network from the registration, the account that is to be deleted is deleted. Acquire deleted account identification information for identification via a network,
Deleted account specifying information acquiring means, and deleting the account specified by the deleted account specifying information from an account that can be used when the user makes a financial transaction through a network, a deleting means. The financial processing system according to claim 1, further comprising: 3. A method according to claim 1, wherein one of the accounts held by said user at said financial institution is used as a representative account, and said representative account is used as identification information for identifying said user. If the account specified by the account specifying information is other than the representative account, the account is deleted from accounts that can be used when the user conducts financial transactions via a network. The financial processing system according to claim 1 or 2. 4. When the account to be deleted by the deletion means is a savings account having a time deposit account designated as a transfer designated account, the account used for performing financial transactions via a network. 4. The financial processing system according to claim 1, wherein the time deposit account is also deleted when the savings account is deleted from the possible accounts. 5. A system processing method of a financial processing system for performing a financial transaction between a user and a financial institution via a network, which can be used when performing a financial transaction via a network. An additional account specifying information obtaining step for obtaining, via a network, additional account specifying information for specifying an account to be newly added when an account is newly added by the user; A confirmation step of confirming whether an account specified by the specific information exists as an account held by the user; and an account specified by the additional account specifying information exists as an account held by the user. In such a case, the account specified by the additional account specifying information is used when the user performs a financial transaction via the network. Possible account and be newly added, the system processing method of the financial processing system characterized in that it comprises an additional step. 6. A recording medium on which a program relating to system processing of a financial processing system for performing a financial transaction between a user and a financial institution via a network is recorded. Additional account specifying information for obtaining, via a network, additional account specifying information for specifying an account that is to be newly added, when a user intends to add an account that can be used for the new account. An acquisition step, a confirmation step of confirming whether an account specified by the additional account specifying information exists as an account held by the user, and an account specified by the additional account specifying information, If the account specified by the additional account specifying information exists as an account held by Via Possible account be used in performing a transaction relating to financial, the newly added recording medium for recording a program and a additional steps.