JP2002015136A - Method and system for financial transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide financial transaction method and system in which a customer can perform a financial transaction through a network without anxiety. SOLUTION: In the financial transaction performed by utilizing the Internet 15 between a financial institution and the customer, this financial transaction system 20 is used. A customer information storing part 22, an insurance information storing part 23, a transaction storing part 24 and an access storing part 25 are connected to the managing server 21 of the system 20. Insurance information associated with customer information is recorded in the part 23. The financial institution pays insurance money to the account of the customer on the basis of the insurance information when the customer suffers a loss due to the illegal access by a third person.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial transaction method and a financial transaction system for a customer to receive banking-related services (banking service) such as bank transfer via a network.

[0002]

2. Description of the Related Art Conventionally, ATM transactions in which a customer instructs a transaction at a terminal installed in a financial institution and telephone banking in which a customer instructs a transaction by telephone have been performed.

[0003] On the other hand, due to the rapid spread of the Internet, customers use their own personal computers and other terminals to communicate with servers installed in financial institutions via the Internet, and to conduct bank-related business. It has become possible to receive banking services such as services, for example, remittances, balance checks on deposit accounts and the like.

[0004] For example, when a customer transfers money from his / her own deposit account to another deposit account via a terminal connected to the Internet, the customer, together with the money amount, receives a customer number, a password, a customer account number, and a transfer destination. Enter your account number.

[0005]

However, the Internet is an open network, and communication is usually performed via a plurality of routers. When communication is performed, it is desired to encrypt a communication message and ensure security so that it cannot be discriminated by others. However, with the development of decryption technology, strong encryption may be decrypted.

In particular, customers who receive a banking service using the Internet often worry that a third party may steal a password or the like. Then, this invention was made in order to solve the said problem,
An object of the present invention is to provide a financial transaction method and a financial transaction system that allow customers to conduct financial transactions via a network with peace of mind.

[0007]

In order to solve the above-mentioned problems, the invention according to claim 1 provides a financial transaction method between a financial institution and a customer using a computer network. In the event that a third party gains damage to the customer's savings account due to unauthorized access to the customer's savings account, set the insurance amount to be paid and transfer the insurance amount to the customer's savings account That is the gist.

According to a second aspect of the present invention, in the financial transaction method according to the first aspect, if the damage is within an insurance amount corresponding to a predetermined insurance premium, the entire damage amount is calculated. In the case of a loss exceeding the insurance amount, the gist is to set the entire insurance amount as the insurance amount to be paid.

Therefore, according to the first or second aspect of the present invention, in a transaction via a network, a customer who has suffered a damage is paid a predetermined insurance money. Claim 3
The gist of the present invention is that, in the financial transaction method of claim 1 or 2, the computer network is the Internet.

Therefore, according to the third aspect of the present invention,
In particular, in transactions via the Internet where there is a risk of theft of customer numbers and personal identification numbers, a predetermined insurance money is paid to a damaged customer.

According to a fourth aspect of the present invention, in the financial transaction method according to any one of the first to third aspects, the insurance money transfer is performed only for a customer who has concluded an insurance contract with a financial institution. The gist is to do it.

Therefore, according to the invention described in claim 4,
Only customers who have insurance contracts with financial institutions are paid predetermined insurance claims. According to a fifth aspect of the present invention, in the financial transaction method according to any one of the first to fourth aspects, the insurance money transfer is performed from an insurance premium collected by a financial institution from a plurality of customers.

Therefore, according to the fifth aspect of the present invention,
Since the insurance money transfer is made from the insurance premiums collected by the financial institution from a plurality of customers, the financial institution can provide the customer with safe financial transactions without spending.

According to a sixth aspect of the present invention, there is provided a financial transaction system for performing a transaction based on an instruction from a terminal, wherein customer information storage means for recording customer information including a customer identifier;
Insurance information storage means for recording the insurance content associated with the customer identifier, transaction storage means for recording customer transactions associated with the customer identifier, and a management server, wherein the management server is Received a report from the customer recorded in the information storage means that the transaction recorded in the transaction storage means was damaged due to unauthorized access to the deposit account, resulting in a decrease or loss in the balance of the customer's deposit account. In this case, the management server sets an insurance amount to be paid based on the insurance content recorded in the insurance information storage unit, and transfers the insurance amount to the customer's deposit account recorded in the customer information storage unit. Is the gist.

Therefore, according to the invention described in claim 6,
Since the insurance information of the customer associated with the customer identifier is recorded in the insurance information storage means, the financial institution can compensate the customer for the damage based on this information.

According to a seventh aspect of the present invention, in the financial transaction system according to the sixth aspect, one or more account numbers associated with a customer identifier are recorded in the customer information storage means. I do.

Therefore, according to the seventh aspect of the present invention,
Since the insurance information is associated with the customer identifier, even if the customer has a plurality of deposit accounts, the customer's deposit account can compensate for the damage suffered by the customer.

The invention according to claim 8 is the invention according to claim 6 or 7.
In the financial transaction system described in the item 1, the insurance information storage means records an insurance payment history associated with a customer identifier.

Therefore, according to the invention described in claim 8,
Since the insurance payment history is recorded in the insurance information means,
It is easier to identify customers who may suffer damage. According to a ninth aspect of the present invention, in the financial transaction system according to any one of the sixth to eighth aspects, when an access is made from a terminal, a communication path is specified and the communication path is recorded. In addition, if the insurance information storage means has an insurance payment history, the unauthorized access storage means for specifying and recording the communication path from the access storage means is further included.

Therefore, according to the ninth aspect of the present invention,
Since the unauthorized access storage means records the communication path that was previously accessed illegally, if this information is used, unauthorized access using the same communication path can be easily detected, and damages caused again Can be prevented.

According to a tenth aspect of the present invention, in the financial transaction system according to the ninth aspect, when an access is made from a terminal, the communication path specified by the access storage unit and the unauthorized access storage unit are recorded. The gist of the present invention is to further include an unauthorized access avoiding means for issuing a warning when the two communication paths are compared with each other and when the two coincide with each other.

Therefore, according to the tenth aspect of the present invention, since an unauthorized access warning is issued from the unauthorized access avoiding means, it is possible to detect that unauthorized access is being performed, and to prevent the occurrence of damage again.

[0023]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to FIGS. As shown in FIG. 1, the financial transaction system 20 includes a management server 21 that performs a financial transaction based on an instruction from a customer. The management server 21 includes a customer information storage unit 22 as a customer information storage unit and an insurance information storage unit 2 as an insurance information storage unit.
3. A transaction storage unit 24 as a transaction storage unit and an access storage unit 25 as an access storage unit are connected to each other.

The customer information storage section 22 stores personal information about the customer. In the present embodiment, in addition to a customer name and a customer number as customer identifiers, a personal identification number, an account number of a deposit account held by the customer, and a deposit balance of each deposit account are set.

The insurance information storage unit 23 stores a customer name, a customer number, a contact address, an account number of one specified account (hereinafter, referred to as a representative account), presence or absence of insurance, an insurance contract type, an insurance entry date, and a withdrawal. The date and the payment history of the insurance money are recorded.
The representative account is a normal deposit account designated by the customer.

The transaction storage unit 24 records a customer number, an account number as an identifier for specifying a withdrawal account, an account number as an identifier for specifying a transfer destination account, a transaction time, and a transaction method. .

Each of the terminals 10, 1 is stored in the access storage unit 25.
1 is recorded. In this embodiment,
An access route as a communication route and identifiers of the terminals 10 and 11 are recorded, and an access time is recorded.

Each of the terminals 10 and 11 has a browser. The browser is an application program for viewing a file (web page) in a hypertext format. When a customer selects a certain URL of the management server 21 of the financial institution using the browser, each terminal 10, 1
1 is connected to the management server 21 of the financial institution identified by the URL.

As shown in FIG. 2, each of the information processing apparatuses (computers) for realizing the terminals 10 and 11 and the financial transaction system 20 includes a CPU 41. This CPU 41
Are connected to a storage device 42, an input device 43, an output device 44, and a communication device 45. The CPU 41 executes a program. For example, the CPU 41 of the terminals 10 and 11
Runs a browser program. Further, the CPU 41 of the management server 21 realizes various processes necessary for communication with a customer, execution of a financial transaction, and the like.

The storage device 42 is generally constituted by a magnetic disk device, and in some cases, includes an optical disk device and a magneto-optical disk device. The storage device 42 stores programs and data. In the present embodiment, the storage device 42 includes the customer information storage unit 22, the insurance information storage unit 23,
Used as the transaction storage unit 24 and the access storage unit 25.

The input device 43 includes a keyboard and a mouse device (not shown). Input device 4 of terminals 10 and 11
Reference numeral 3 is used to start a browser, input a transaction instruction, and the like. The output device 44 provides information to a customer's perception, such as a display monitor or a printer. The web page of the financial institution is displayed on the output device 44 of the terminals 10 and 11. The output device 44 of the management server 21 displays access records from the terminals 10 and 11 and the like.

The communication device 45 is used for connection to the Internet 15, performs data conversion and the like accompanying communication, and transmits and receives programs and data to and from another information processing device. Therefore, the communication device 45 is used for communication between the terminals 10 and 11 and the management server 21.

Next, a processing procedure in the system configured as described above will be described. Here, it is assumed that one terminal 10 is operated by an authorized customer and the other terminal 11 is operated by an unauthorized access person.

First, a legitimate customer needs to set up a deposit account at a financial institution for conducting financial transactions. When an application from a customer is received by the management server 21 of the financial institution via the terminal 10, the management server 21 stores the customer name, customer number, personal identification number, and account number of the deposit account held by the customer in the customer information storage unit 22. Record Further, if the customer wishes to transact via the Internet 15 for a deposit account,
Apply to the financial institution to that effect. If so, the financial institution will ask the customer for insurance. This insurance is only paid if the financial transaction through the Internet is damaged. Insurance contracts are classified into special contracts and regular contracts, each with a different upper limit on the amount of insurance paid. If there is a request for insurance, the insurance information is recorded in the insurance information storage unit 23. In the present embodiment, the insurance information storage unit 23 records the customer name, customer number, contact information, representative account number, insurance contract type, and insurance entry date. Here, it is assumed that the limit of the insurance money is a normal contract of, for example, 100,000 yen. Then, the financial institution collects an insurance premium from the customer, and the insurance premium is paid from the insurance premium.

On the other hand, the customer whose application has been approved is notified of the customer number and the password. Next, a processing procedure of the management server 21 when a legitimate customer performs a financial transaction via the Internet 15 will be described with reference to FIGS.

First, the management server 21 of the financial institution receives a request for displaying the web page of the financial institution from the terminal 10 of the customer, and transmits the web page to the terminal of the customer in response to the request (S1-1). ). Then, the display screen 50 shown in FIG. 5 is output to the output device 44 of the terminal 10 that has received the web page. On the display screen 50, a "customer number" column for inputting a customer number and a "password" column for inputting a password are displayed.

Next, the customer enters a customer number and a password on the display screen 50, and clicks a "logon" button. Thereby, the customer number and the password are stored in the management server 2
1, the management server 21 receives the access from the terminal 10 (S1-2). In this case, the management server 21
Records the identifier, access time, and access route of the terminal 10 in the access storage unit 25 (S1-3). at the same time,
The management server 21 stores the customer number and the password transmitted from the terminal into the customer number recorded in the customer information storage unit 22,
The password is collated with the password (S1-4). If they do not match, the subsequent processing is stopped. If the two match, the transaction process proceeds. First, the management server 21 extracts a recent transaction history of a customer from the transaction storage unit 24, pastes it on a web page, and transmits it to the terminal 10 (S1).
-5). Then, the display screen 60 shown in FIG. 6 is output to the output device 44 of the terminal 10 that has received the web page. On the display screen 60, a history of past financial transactions performed by the customer is displayed. After reviewing your transaction history,
Click the "Next" button to proceed with the transaction.

Thus, a display screen 70 shown in FIG. 7 is output to the output device 44 of the terminal 10. Display screen 7
At 0, an “account number” column, a “balance” column, a “bank” column, an “account number” column, and a “transfer amount” column of the customer's deposit account, which is a withdrawal account, are displayed. In the “account number” column of the customer, the deposit account extracted from the customer information storage unit 22 is automatically displayed.

Next, the customer enters the bank name, account number and transfer amount of the transfer destination. For example, the customer's account number "99
9, it is assumed that 10,000 yen is to be transferred to the account number “123” of Bank A. When the input operation related to the transfer is completed, the “confirmation” button is clicked, and the terminal 1
A transaction instruction is transmitted from 0. The transaction instruction includes information on the transfer destination account and the transfer amount. The management server 21 receives this transaction instruction (S1-6), and records the transaction content in the transaction storage unit 24.

The management server 21 having received the transaction instruction executes a transaction based on the instruction (S1-7). In the present embodiment, the management server 21 reduces the customer's deposit account balance by 10,000 yen to 90,000 yen and increases the designated transfer destination account balance by 10,000 yen to complete the transaction.

Next, it is assumed that an unauthorized third party illegally obtains a customer number and a password of an authorized customer. Unauthorized person is terminal 11
To access the management server 21 by the above procedure. At the stage of (S1-3), the management server 21 records the identifier, access time, and access route of each terminal 11 in the access storage unit 25. Next, the fraudulent person impersonates a legitimate customer and enters the customer's account number and the transfer destination account number. The fraudulent person instructs to transfer money to a convenient deposit account. For example, it is assumed that an instruction to transfer 50,000 yen to the deposit account with the account number “999” of Bank X is issued. The management server 21 performs a financial transaction based on this instruction. As a result, unintended money is withdrawn from the bank account of the legitimate customer, and the customer suffers damage.

Next, when the customer accesses the management server 21 and enters the customer number and the password, the transaction history is displayed as in the previous case. In this case, a display screen 80 shown in FIG. 8 is output to the output device 44 of the customer terminal 10. Since the fraudster has withdrawn the deposit, the transaction history shows the transaction made by the fraudster, and the customer knows that the damage has been done.

Next, a processing procedure in the case where there is a report from a damaged customer will be described with reference to FIG. The customer who has found the damage reports to the financial institution (S2-1). The financial institution receiving the report stores the customer's transaction record in the transaction storage unit 24.
(S2-2). Next, from the transaction record,
Confirm whether the fraudulent transaction method is a transaction via the Internet covered by insurance (S2).
-3). In the case of the present embodiment, a fraudster uses the Internet to damage a legitimate customer, and is therefore covered by insurance. Next, the customer's insurance contract type is confirmed (S
2-4). The management server 21 calculates a damage amount from the history recorded in the transaction storage unit 24 (S2-5). In the present embodiment, the insurance amount to be paid is set when a third party other than the customer gains unauthorized access to the customer's savings account and the balance of the customer's savings account decreases or disappears. The setting unit is provided in the management server. If the payment limit has not been exceeded, the money for the damage is transferred to the customer's representative account recorded in the insurance information storage unit 23.
If the payment limit is exceeded, the money of the payment limit is transferred to the representative account recorded in the insurance information storage unit 23 as insurance money (S2-6). Here, the damage amount is 50,000 yen, which does not exceed the insurance amount limit of 100,000 yen, so that the entire damage amount is compensated.

For the customer to whom the insurance money has been transferred, a payment history indicating that the insurance money has been paid is recorded in the insurance information storage unit 23. Next, a process for preventing unauthorized access again will be described with reference to FIG. In the present embodiment, the management server 21 includes an unauthorized access storage unit,
Functions as a means for avoiding unauthorized access.

First, regarding the customer identifier having the insurance payment history recorded in the insurance information storage unit 23, the transaction storage unit 2
From 4, the transaction time of the transaction due to unauthorized access is specified.
The transaction time is compared with the access time recorded in the access storage unit 25, and the communication path used for the unauthorized access is specified. Then, the management server 21 records this communication path in an unauthorized access storage unit as an unauthorized access storage unit (S3-1).

Next, the management server 21 records the communication path in the access storage unit 25 at every access (S3-2) (S3-3). Next, the communication path is collated with the communication path recorded in the unauthorized access storage unit (S3-4).
If they match, it is determined that the access is unauthorized. In this case, even if the customer number and the password match, if the communication paths match, an alarm is issued and the financial transaction is stopped. If the communication paths do not match, the procedure of (S1-4) to (S1-7) is continued as in the normal procedure (S3-5).

As described above, according to the present embodiment, the following effects can be obtained. In the above-described embodiment, a predetermined insurance money is paid to the customer who has suffered damage, so that the customer can conduct financial transactions via the Internet with confidence.

In the above embodiment, a prescribed insurance money is paid only to a customer who has an insurance contract with a financial institution. Can be lighter.

In the above embodiment, the insurance information storage unit 2
3, the insurance information of the customer associated with the customer identifier is recorded.
It is possible to quickly compensate for the damage suffered by the customer.

In the above embodiment, since the insurance is associated with the customer identifier, even if the customer has a plurality of deposit accounts, there is no need to insure each deposit account.
The troublesome work can be avoided.

In the above embodiment, the insurance information storage unit 2
In 3, the account number for transferring the insurance money is recorded, so that the insurance money can be transferred to the deposit account, and the insurance money for damage compensation can be quickly transferred.

In the present embodiment, since the insurance payment amount setting unit is provided in the management server, the financial institution can automate the insurance payment and save labor. In the above-described embodiment, since the insurance payment history is recorded in the insurance information means, it is possible to specify a customer who may suffer damage again, and to prevent the damage again.

In the above-described embodiment, since the unauthorized access storage means records the communication path in which the unauthorized access has been performed before, the unauthorized access using the same communication path can be detected, and the damage can be detected beforehand. Can be prevented.

In the above-described embodiment, an alarm indicating the unauthorized access is issued at the same time as the unauthorized access is performed by the unauthorized access avoiding means. Therefore, it is possible to detect that the unauthorized access is being performed, and to prevent the damage to the customer from occurring. Can be prevented.

The above embodiment may be modified as follows. In the above embodiment, the bank and the account number are specified in order to specify the deposit account. However, if the bank account can be specified, the combination of the bank, the branch, the account number and the identification number of the bank account may be used. Is also good.

In the above embodiment, the insurance is set according to the customer's request. However, the insurance may be set automatically by the financial institution. Thereby, the procedure of the customer can be simplified. In the above embodiment, the type of insurance is determined according to the customer's request. However, the financial institution may change the insurance limit according to the customer's deposit balance or transaction amount. In this case, this can be realized by providing an insurance information change unit in the management server 21 and changing the insurance information recorded in the insurance information storage unit 23.

In the above embodiment, the financial institution pays the insurance money, but the insurance institution may pay the insurance money. In this case, the insurance information recorded in the insurance information storage unit 23 provided separately from the customer information storage unit 22 is shared by the financial institution and the insurance institution or held only by the insurance institution. Therefore, since the insurance institution cannot see the details of the customer's personal information, the privacy of the customer can be maintained. That is, even if the customer has a plurality of deposit accounts, only the deposit accounts necessary for the transfer of the insurance money recorded in the insurance information storage unit 23 are disclosed to the insurance institution.

In the above embodiment, the customer is made aware of the damage on the transaction screen display. However, other methods such as a transaction statement, a telephone call from a financial institution, and the like may be used. In the above embodiment, the customer who knows the damage reports to the financial institution, but embeds an anchor tag for contacting the management server 21 for each transaction display of the transaction history displayed on the terminal 10. It is also possible. Clicking on it sends a message to the financial institution, and if there is a transaction history that the customer does not recognize, the financial institution can quickly grasp the fraud.

In this case, the customer who has learned the damage clicks a transaction display of a problematic transaction history on the display screen 80 shown in FIG. The terminal 10 transmits the illegal transaction data to the management server 21 via the Internet 15 based on the embedded anchor tag. The fraudulent transaction data includes data for identifying the customer's account and data for identifying a problematic transaction. The management server 21 that has received the fraudulent transaction data transmits a web page for insurance accident application to the terminal 10 via the Internet 15. In this case, a display screen 90 shown in FIG. 10 is output to the output device 44 of the terminal 10 of the customer. This display screen 90 displays information 9 on the customer.
1 and an insurance accident target display 92 are included. Further, the display screen 90 includes an application cancel button 93 for canceling the insurance accident application and an application execution button 94 for executing the insurance accident application.

When the customer clicks the application execution button 94, the terminal 10 transmits the insurance accident application data to the management server 21 via the Internet 15. The insurance accident application data includes data for identifying the customer's savings account and data relating to the insurance accident target transaction. Management server 2 that has received this insurance accident application data
1 stops the banking service using this customer's current PIN. Then, the management server 21 assigns and issues a new password to the customer. Further, the management server 21 extracts data relating to the access route and the identifier of the access terminal for this transaction from the access storage unit 25. And the management server 21
Based on the extracted data (illegal access data), access is made to the contact information of the customer recorded in the insurance information storage unit 23, and the fact of the insurance accident application is confirmed. Further, the management server 21 checks the insurance accident application data and the unauthorized access data with a predetermined insurance payment standard. When these data satisfy the insurance payment standard, the management server 21 executes an insurance money transfer. As described above, the customer can easily apply for an insurance accident. In addition, it is possible to prevent the accident from spreading due to unauthorized access.

In the above embodiment, the management server 21
Executed the insurance money transfer, but the insurance money transfer function of the management server 21 may be provided in an insurance company server (not shown). In this case, when the customer clicks the application execution button 94, the terminal 10 transmits the insurance accident application data to the management server 21 and the insurance company server via the Internet 15. Further, the management server 21 transmits the unauthorized access data extracted from the access storage unit 25 to the insurance company server together with information for specifying the insurance accident target. Then, the insurance company server receiving the insurance accident application data and the unauthorized access data checks the insurance accident application data and the unauthorized access data against a predetermined insurance payment standard. If the insurance money payment standard is satisfied, the insurance company server executes the transfer of the insurance money. As described above, the function as a bank and the function as an insurance company can be processed separately.

In the above embodiment, financial transactions using the Internet are covered by insurance. However, if there is any possibility that a fraudulent person steals a personal identification number or the like, insurance is possible. It is. For example, a case where an intranet in a company is used or a financial institution terminal such as an ATM may be used. TV terminal or PDA (personaldi
gital assistant).

In the present embodiment, the insurance money is transferred to the representative account recorded in the insurance information storage unit 23. However, depending on the designation or selection of the customer, a plurality of deposit accounts or other financial institutions owned by the customer are transferred. It may be a deposit account. Further, a deposit account in the name of another person may be set based on the customer's consent.

[0064]

As described in detail above, according to the present invention,
Customers can make financial transactions via the network with peace of mind. In addition, it is possible to prevent unauthorized access again, and reduce damage to customers.

[Brief description of the drawings]

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

FIG. 2 is a block diagram showing a configuration of a terminal and a server.

FIG. 3 is a flowchart of a financial transaction.

FIG. 4 is a flowchart when there is damage.

FIG. 5 is a diagram showing a display mode output to an output device.

FIG. 6 is a diagram showing a display mode output to an output device.

FIG. 7 is a diagram showing a display mode output to an output device.

FIG. 8 is a diagram showing a display mode output to an output device.

FIG. 9 is a flowchart for avoiding damages again due to unauthorized access.

FIG. 10 is a diagram showing a display mode output to an output device.

[Explanation of symbols]

10, 11 terminal, 15 Internet as a network, 20 financial transaction system, 21 management server as an unauthorized access avoiding means, 22 customer information storage unit as customer information storage means, 23 insurance information storage means Insurance information storage unit, 24: transaction storage unit as transaction storage unit, 25: access storage unit as access storage unit.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 512 G06F 17/60 512 G07F 19/00 G07D 9/00 476 (72) Inventor Yasuhiro Takaara 1-5-5 Otemachi, Chiyoda-ku, Tokyo F-term in Fuji Bank Limited (Reference) 3E040 AA10 BA18 CA14 CB04 DA01 EA01

Claims (10)

[Claims] In a financial transaction method performed between a financial institution and a customer using a computer network, a third party other than the customer illegally accesses the customer's deposit account, so that the balance of the customer's deposit account is reduced. A financial transaction method comprising setting an insurance amount to be paid and transferring the insurance amount to a customer's deposit account in the event of loss or loss. 2. If the damage is within the insurance amount corresponding to a predetermined insurance premium, the entire damage amount is paid, and if the damage exceeds the insurance amount, the entire insurance amount is paid and the insurance amount is paid. 2. The method according to claim 1, wherein
Financial transaction method described in. 3. The financial transaction method according to claim 1, wherein the computer network is the Internet. 4. The financial transaction method according to claim 1, wherein the insurance money transfer is performed only to a customer who has an insurance contract with a financial institution. 5. The financial transaction method according to claim 1, wherein the insurance money is transferred from a premium collected by a financial institution from a plurality of customers. 6. A financial transaction system for performing a transaction based on an instruction from a terminal, comprising: customer information storage means for recording customer information including a customer identifier; and insurance for recording insurance content associated with the customer identifier. Information storage means, transaction storage means for recording customer transactions associated with the customer identifier, and a management server, wherein the management server stores the transaction information from the customer recorded in the customer information storage means. With respect to the transactions recorded in the means,
When receiving a report indicating that the balance of the customer's deposit account has been reduced or lost due to unauthorized access to the deposit account, the management server, based on the insurance content recorded in the insurance information storage means, , Set the amount of insurance paid,
A financial transaction system wherein the insurance amount is transferred to the customer's deposit account recorded in the customer information storage means. 7. The financial transaction system according to claim 6, wherein one or a plurality of account numbers associated with a customer identifier are recorded in the customer information storage means. 8. The financial transaction system according to claim 6, wherein the insurance information storage means records an insurance payment history associated with a customer identifier. 9. An access storage means for specifying a communication path when an access is made from a terminal and recording the communication path, and said access method when said insurance information storage means has an insurance payment history. The financial transaction system according to any one of claims 6 to 8, further comprising an unauthorized access storage means for specifying and recording the communication path from the storage means. 10. When an access is made from a terminal, a communication path specified by the access storage means is compared with a communication path recorded in the unauthorized access storage means, and if both match, a warning is issued. The financial transaction system according to claim 9, further comprising an unauthorized access avoiding unit that issues the following.