JP2002063353A - Financial processing system, system processing method for financial processing system, and recording medium recorded with program therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to open a new investment trust account through network banking. SOLUTION: This financial processing system 70 receives a user's request to open an investment trust account through a public network 20. At this time, an ordinary deposit account selection picture W2 is displayed and the user is made to specify the investment trust account to be newly opened and an ordinary deposit account for money payment and reception out of ordinary deposit accounts having been opened. Consequently, the investment trust account can be opened as an account using the same registered seal with the specified ordinary deposit account and the convenience to the user can be improved.

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 on which a program for recording the financial processing system is recorded. The present invention relates to a system processing method of a processing system and a recording medium on which a program for the processing is recorded.

[0002]

2. Description of the Related Art It has become possible for a user to purchase financial products, such as investment trusts, which are not principally guaranteed, from financial institutions by using a network such as the Internet.
In other words, even if the customer does not go to a store of a financial institution such as a bank, these financial products can be purchased only by giving an instruction to purchase a financial product such as an investment trust from the information processing terminal. Is coming.

[0003]

A user who is starting a new investment trust needs to open a new investment trust account at a financial institution. However, a procedure for newly opening an investment trust account cannot be performed on a network such as the Internet, and it is necessary to separately submit a new account opening application form to a financial institution at a store or by mail. Therefore, for a user who is about to start a new investment trust, the procedure for newly opening an investment trust account is complicated, which is an obstacle to developing new customers.

Accordingly, the present invention has been made in view of the above problems, and allows a user to open a new account for a financial product such as an investment trust on a network.
It is intended to provide a financial processing system.

[0005]

In order to solve the above-mentioned problems, a financial processing system according to the present invention comprises a request receiving means for receiving, via a network, a request from a user for newly opening an investment trust account. A deposit / withdrawal account designating means, which allows a user to designate, via a network, a newly opened investment trust account and a deposit / withdrawal account from among the deposit accounts already established, and the deposit / withdrawal account. Opening a new investment trust account of the user based on an instruction to open an investment trust account as an account using the same registration stamp as the deposit account specified by the specifying means. Features.

A system processing method for a financial processing system according to the present invention includes: a request receiving step for receiving, via a network, a request from a user for newly opening an investment trust account; From, the account of the investment trust to be newly opened and a deposit account for depositing and withdrawing, letting the user designate via a network, a deposit and withdrawal account designation step, and a deposit account designated in the deposit and withdrawal account designation step. A step of newly opening an investment trust account of the user based on an instruction to open an investment trust account as an account using the same notification stamp.

A recording medium according to the present invention is a recording medium in which a program for controlling a financial processing system is recorded, and receives a request from a user for newly opening an investment trust account via a network. A request receiving step, and a deposit / withdrawal account designation step of allowing the user to designate, via a network, a newly opened account of the investment trust and a deposit / withdrawal account from among the deposit accounts already established, Opening an investment trust account of the user based on an instruction to open an investment trust account, as an account using the same notification stamp as the deposit account specified in the entry and withdrawal account specification step, an opening step, A program comprising the following is recorded.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In this embodiment, when a user as a customer starts an investment trust transaction via a network, a new account for the investment trust can be opened via the network. 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 an external public network 20 through the telephone line. The public network 20 is, for example, the Internet. The mobile phone 14 is also connected to the public network by performing appropriate operations. In the case of the mobile phone 14, i-mode (NTT CORPORATION), one of the services provided by NTT DOCOMO, INC.
It is connected to a public network 20 via a registered trademark of T. Docomo). The television set 16 has a function of connecting to a telephone line or the like, and is connected to the public network 20 through the telephone line or the like. 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.

On the financial institution side, a reception server 30 connected to the public network 20 is provided. Instructions related to various financial transactions are input to the reception server 30 from the information processing terminals 10 of a plurality of users via 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.

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
At 0, a customer information database 42 and a questionnaire database 44 are provided. Transaction processing system 50
Is provided with an accounting database 52. The account database 52 records a deposit balance and a deposit / withdrawal history for each account.

The business processing system 40 and the transaction processing system 50 have operation terminals 41 and 51, respectively.
Is connected. By operating these operation terminals 41 and 51, the person in charge of the financial institution can instruct the business processing system 40 and the transaction processing system 50 to perform various processes and input data.

The electronic mail server 35 transmits an electronic mail to an electronic 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 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 functions as a financial processing system.

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 embodiment. 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.

The division of various databases provided in the financial processing system 70 is not limited to the above-described 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 new investment trust account opening process of the financial processing system 70 according to the present embodiment will be described with reference to FIGS. FIG. 2 is a flowchart illustrating a process of the financial processing system 70 when a user requests opening of a new investment trust account using the information processing terminal 10. FIGS. 3 to 9 are views showing screens displayed on the information processing terminal 10 of the user at the time of this investment trust new account opening process.

The process shown in FIG. 2 is started by selecting the investment trust column in the new account opening list T10 on the new account opening screen W1 shown in FIG. 3 and clicking the "Next" button B10. You.

As shown in FIG. 2, the financial processing system 70
Receives a request to open a new investment trust account from the information processing terminal 10 of the user,
0 to the information processing terminal 10 via the reception server 30 in FIG.
Is displayed (step S10). Specifically, the business processing system 40 searches the savings account table of the customer information database 42, checks the savings account that the user is dealing with in the network banking, and checks the branch name and the account of the savings account. , Account number, deposit balance, and transfer partner account. Then, these lists are transmitted to the information processing terminal 10 via the reception server 30.

In the present embodiment, information relating to the balance of the user's savings account and the like is stored in the savings account table of the customer information database 42.
That is, the business processing system 40 is set at a constant interval, for example, 3
Every 0 minutes, the account database 52 of the transaction processing system 50 is searched to check for a new balance or the like. However, the information about the deposit balance of the ordinary saving account is not stored in the customer information database 42, and the business processing system 40 searches the account database 52 of the transaction processing system 50 whenever necessary. Is also good.

At this time, as shown in FIG. 4, a savings account selection screen W2 is displayed on the information processing terminal 10 of the user. The savings account selection screen W2 includes a savings account list T20. The user selects, from the ordinary deposit account list T20, an ordinary deposit account for paying out a purchase fund when purchasing an investment trust or depositing a cancellation fund of the investment trust. That is, one investment trust account to be newly opened and one ordinary savings account to deposit and withdraw money are selected. In the example of FIG. 4, it is assumed that the user has selected the account number 0988510 in the ordinary account at the Gotanda branch. Subsequently, the user clicks a “Next” button B20. Thereby, the savings account selected by the user is transmitted to the business processing system 40 via the reception server 30.

Next, the business processing system 40 of the financial processing system 70 displays the questionnaire screen W3 shown in FIG. 5 via the reception server 30 (step S11). Specifically, the business processing system 40 searches the questionnaire item table of the questionnaire database 44, checks necessary questionnaire items, and transmits a list of the items to the information processing terminal 10 via the reception server 30.

As shown in FIG. 5, a questionnaire screen W3 is displayed on the information processing terminal 10 of the user. The questionnaire screen W3 includes a display of a questionnaire list T30. The user enters the questionnaire list T30
Enter the answer to each questionnaire item.

The user who has finished inputting the answer to each item in the questionnaire list T30 clicks the "next" button B30. Thereby, the questionnaire result is transmitted to the business processing system 40 via the reception server 30. In the business processing system 40, the questionnaire results are arranged for each user and stored in the questionnaire result table of the questionnaire database 44 (Step S).
12).

Next, the business processing system 40 displays the personal identification item input screen W4 on the information processing terminal 10 of the user via the reception server 30 (step S13). The user inputs the postal code in the field T41, the address in the field T42, and the date of birth in the field T44 on the personal identification item input screen W4.
In item T45, the occupation is selected from “company employee”, “group employee”, “public servant”, “self-employed”, “housewife”, or when the occupation does not exist among these. Selects "Other" and inputs the occupation in the field T46. After completing these inputs, the user clicks a “Next” button B40. Thus, the input data is transmitted to the business processing system 40 via the reception server 30 and stored in the customer information database 42.

Next, as shown in FIG. 2, the business processing system 40 displays the investment trust transaction agreement screen W5 shown in FIG. 7 on the information processing terminal 10 via the reception server 30 (step S14). The user can use this investment trust transaction agreement screen W
5 is read, and if the user can accept the terms and conditions, the user clicks the "Accept" button B50. If the user cannot accept the contract, the user clicks the "Disagree" button B51. In addition, when the user wants to print the contents of the agreement, the user can print the contents of the investment trust transaction agreement on his / her printer or the like by clicking the “Click here to print” button B52.

In the present embodiment, if the user clicks the "I do not accept" button, the screen cannot be further advanced. If the investment trust is not to be made because the investment trust transaction agreement cannot be accepted, the user clicks the “Cancel” button B53 to
This process can be stopped. When the user clicks the “Accept” button B50, this is transmitted to the business processing system 40 via the reception server 30.

Next, as shown in FIG. 2, the business processing system 40 sends the information processing terminal 10
Then, a confirmation password input screen W6 shown in FIG. 8 is displayed (step S15). As shown in FIG. 8, an investment trust account confirmation table T60 is displayed on the confirmation password input screen W6. The user confirms the contents of the investment trust account confirmation table T60, and if the contents are satisfactory, the field T61.
Enter the confirmation password in. This confirmation password is different from the login password given to the user from the financial institution to access the network banking, and performs the process related to the financial transaction on the information processing terminal 1.
This is a password provided to confirm the intention of the input person when inputting from 0. Then, the user clicks the “execute investment trust new account opening” button B60.

Thus, the confirmation password is transmitted to the business processing system 40 via the reception server 30. The business processing system 40 determines whether the transmitted confirmation password matches the confirmation password reported by the user in advance. Specifically, the business processing system 40 searches the confirmation password table in the customer information database 42 and checks whether the confirmation password of the user registered in advance matches the confirmation password transmitted this time. ,to decide. If the two match, it means that the investment trust new account opening process has been completed, and the business processing system 40
The reception completion screen W7 shown in FIG. 9 is displayed on the information processing terminal 10 of the user via (step S16). This completes the investment trust new account opening process.

In this embodiment, investment trusts that can be sold to customers are selected based on the results of the above-described questionnaire. For example, when the user who is the customer selects “life fund” for the purpose of (1) investment of item 4 of the questionnaire screen W3 shown in FIG. 5, all investment trust products are not sold. In addition, questionnaire screen W
In item 3 of item 3, if the user who is the customer selects “I want to avoid risk as much as possible, but I am interested in returns,” high-risk, high-return investment trust products should not be sold. I have.

Next, an account opening process executed by the business processing system 40 will be described with reference to FIGS.
explain. FIGS. 10 and 11 show the business processing system 40.
Is a flowchart for explaining processing when a request for opening a new investment trust account is received from a user. The account opening process shown in FIGS. 10 and 11 is a process executed when the investment trust new account opening process of FIG. 2 is completed, and is a process executed each time a new account opening request is received. FIG. 12 shows the process of opening an account shown in FIG.
A list of statuses used in the business processing system 40 for managing the processing status of the accepted new account opening,
It is a figure shown as a status list T80. As will be described in detail later, as shown in FIG. 12, in the account opening process, the statuses for managing the processing status of opening a new account include “accepting”, “waiting for material confirmation”, and “waiting for account opening”. , "Waiting for customer registration", "Waiting for bulk approval", and
"End" is used.

As a specific process, as shown in FIG. 10, the business processing system 40 determines whether an account opening request has been received from the user (step S20).
This account opening request is generated by the business processing system 40 when the display of the reception completion screen W7 is completed in step S16 of FIG. When it is determined in step S20 that the account opening request has not been received (step S20).
20: No), the process of step S20 is repeated to wait.

On the other hand, if it is determined in step S20 that the account opening request has been received (step S20: Yes), the business processing system 40 sets the status of the account opening request to "receiving" (step S21). In addition,
In the present embodiment, an e-mail for confirming that the request for opening a new account of the investment trust has been received is transmitted to the user who made the account opening request, to the e-mail address of the user. The transmission of the e-mail is performed via the e-mail server 35. The user's e-mail address is managed in an e-mail address table of the customer information database 42.

Subsequently, the business processing system 40 executes a daily form output process, and determines whether or not the account opening request has been output (step S22). If the form has not been output (step S22: No), the process of step S22 is repeated to wait.
On the other hand, when this form is output (step S22: Y
In es), the status of the account opening request is set to "material confirmation waiting" (step S23).

In this embodiment, the status is "accepting" when the person in charge of the financial institution performs a predetermined operation at the operation terminal 41 connected to the business processing system 40.
The list of account opening requests is printed out as a form. This form output is, for example, 1
It is done once a day. Then, based on this form output, the person in charge of the financial institution sends necessary documents by mail to the user who has requested the opening of a new account of the investment trust. Specifically, greetings, confirmations, rules, prospectuses,
Send reply envelope. At that time, regarding the prospectus,
Here, we send out prospectuses for all the investment trust products handled by this financial institution, as they differ for each investment trust product.

The user who has received these necessary documents checks the contents of the rules and the prospectus, and if he / she can agree with the contents, fills out the necessary items, presses the receipt stamp, and confirms with the confirmation. Reply the identity verification material to the financial institution. The identity verification material is a material for verifying the identity of the user, and is, for example, a copy of a driver's license or a health insurance card.

The financial institution that has received these documents inputs, to the business processing system 40, that the person in charge of the financial institution has received the confirmation material from the operation terminal 41. Therefore, in the business processing system 40, after the status of the account opening request is set to “material confirmation waiting” (step S23),
It is determined whether or not an input indicating that the confirmation material has been received has been made (step S24). If the input has not been made (step S24: No), the process of step S24 is repeated to wait.

On the other hand, when the input of receiving the confirmation material from the operation terminal 41 is made (step S24: Yes),
The business processing system 40 sets the status of the account opening request to "waiting for account opening" (step S25).

The person in charge of the financial institution that has completed the input to the operation terminal 41 operates the operation terminal 51 connected to the transaction processing system 50, and newly creates an investment trust account in the name of the user in the transaction processing system 50. Open. The report stamp of the newly opened investment trust account is processed as the same as the report stamp of the ordinary account selected on the ordinary account selection screen W2 in FIG. In the present embodiment,
When a new investment trust account is opened in the transaction processing system 50, the information is automatically sent to the business processing system 40.
, But this information may be separately input from the operation terminal 41 by a person in charge of the financial institution.

Therefore, in the business processing system 40,
After setting the status of the account opening request to "waiting for account opening" in step S25 described above, it is determined whether a new investment trust account has been opened in the transaction processing system 50 (step S26), and the new opening is performed. If not (step S26: No), the process of step S26 is repeated to wait. On the other hand, when a new investment trust account is opened in the transaction processing system 50 (step S2).
6: Yes), the status of the account opening request is set to “customer registration waiting” (step S27).

The person in charge of the financial institution that has opened the investment trust account in the transaction processing system 50 then operates the operation terminal 41 connected to the business processing system 40 to operate the newly opened investment trust account. Registration with the processing system 40 is performed. At the time of this registration, the association between the newly opened investment trust account and the savings account selected on the savings account selection screen W2 in FIG. 2 is also registered. For this reason, after setting the status of the account opening request to “customer registration waiting” (step S27), the business processing system 40 checks whether the registration of the customer who has made the account opening request has been performed from the operation terminal 41. (Step S2)
8). If these customers have not been registered in the business processing system 40 (step S28: No), the process of step S28 is repeated to wait. On the other hand, if these customers have been registered in the business processing system 40 (step S28: Yes), the status of the account opening request is set to "waiting for batch approval" (step S2).
9).

In the present embodiment, the processing of the investment trust account newly registered in the business processing system 40 is collectively approved, and the business processing system 50 is checked for consistency. The registration in the processing system 40 allows the user to use the mutual fund account in network banking. This batch approval is performed collectively for a plurality of account opening requests, and is performed, for example, once a day by a person in charge of the financial institution operating the operation terminal 41. For this reason, the business processing system 40 that has set the status of the account opening request to “wait for batch approval” in step S29
As shown in FIG. 11, determines whether or not the batch approval has been obtained (step S30), and if the batch approval has not been made (step S30: No), repeats the process of step S30 and waits.

On the other hand, when the collective approval is obtained (step S3
0: Yes), the business processing system 40 requests the transaction processing system 50 to perform a check (step S).
31). That is, it is made to check whether the investment trust account newly registered in the business processing system 40 and the ordinary deposit account paired with this investment trust account are actually registered in the accounting database 52.

Next, the business processing system 40 determines whether a check result has been received from the transaction processing system 50 (step S32). If the check result has not been received (step S32: No), the process of step S32 is repeated to wait. On the other hand, when the check result is received (step S32: Yes), it is determined whether the check result is normal (step S33). If the check result is normal, the newly registered investment trust account and the savings account paired with this investment trust account are actually registered in the accounting database 52 as the user's account. Therefore, the business processing system 40 sets the status of the account processing request to "end" (step S34). In this embodiment, at this time, an e-mail for confirming that the new account opening of the investment trust has been completed is transmitted to the user who has made the account opening request to the e-mail address of the user. The transmission of the e-mail is performed via the e-mail server 35.

On the other hand, if it is determined in step S33 that the received check result is not normal (step S33).
33: No), that is, if it is determined that the received check result is an error, the newly registered investment trust account and the ordinary deposit account paired with this investment trust account are
The account database 52 is actually used as the user's account.
, The business processing system 40 displays an error message (step S35). Based on the display of the error message, the person in charge of the financial institution needs to perform registration of a new investment trust account or registration of a common savings account corresponding to the new investment trust account in the business processing system 40 again. There is.
With the above, the account opening process in the present embodiment ends.

As described above, according to the financial processing system 70 according to the present embodiment, the user
Request to open a new investment trust account via, select one investment trust account to be newly opened and one ordinary savings account to deposit and withdraw money, Since it will be used as a trust account notification seal, it will be possible to accept the opening of a new investment trust account on network banking.

Further, in the financial processing system 70,
Since the processing status of the new investment trust account opening request can be managed using the status, it is possible to appropriately process and manage a new opening request from the user.

This eliminates the need for the user to send a new account opening application to a financial institution or go to a financial institution as in the prior art. Therefore, it is possible to eliminate the complexity of opening a new account of the investment trust of the user.

Further, since the user is first questioned about the concept of the investment trust and based on the result of the questionnaire, the products of the investment trust to be sold to the user are selected. Despite selling the trust, it is possible to sell investment trust products according to the user's concept of the investment trust. For example, it is possible not to sell a high-risk, high-return investment trust to a user who does not want high risk for the investment trust.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the embodiment described above, the financial processing system 70
A request to open a new account received from the user via
Although the case of an investment trust account has been described as an example, the present invention can be similarly applied to opening a new account for another account.

In the above-described embodiment, the questionnaire on the financial products of the user as the customer is performed via the public network 20. However, the questionnaire may be performed without using the public network 20.
For example, a questionnaire may be used at a counter of a financial institution regarding the concept of financial products using a questionnaire sheet, and the questionnaire results may be arranged for each customer and stored in the questionnaire database 44.

The financial institutions to which the present invention can be applied 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.

Further, with respect to each processing described in the above embodiment, a program for executing each processing is stored in a floppy (registered trademark) disk, CD-ROM (Co-ROM), or the like.
It can be recorded on a recording medium such as a mpact disc-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.

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 the present embodiment. It may be recorded.

Further, such a program can be distributed not as a recording medium but as a carrier 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.

Further, 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.

[0059]

As described above, according to the financial processing system of the present invention, when a request from a user to newly open an account for an investment trust is received via a network, a deposit already opened is received. From among the accounts, the account of the investment trust to be newly opened and the deposit account for depositing and withdrawing are made to be designated by the user via the network, so that the account using the same registration stamp as the designated deposit account is used. , An investment trust account can be opened, and user convenience 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 an investment trust new account opening process according to an embodiment of the present invention.

FIG. 3 is a diagram showing a new account opening screen displayed on the information processing terminal of the user in the investment trust new account opening process.

FIG. 4 is a diagram showing a savings account selection screen displayed on a user's information processing terminal in a new investment trust account opening process.

FIG. 5 is a diagram showing a questionnaire screen displayed on the information processing terminal of the user in the investment trust new account opening process.

FIG. 6 is a diagram showing a personal identification item input screen displayed on the information processing terminal of the user in the investment trust new account opening process.

FIG. 7 is a view showing an investment trust transaction agreement screen displayed on a user's information processing terminal in a new investment trust account opening process.

FIG. 8 is a view showing a confirmation password input screen displayed on the information processing terminal of the user in the investment trust new account opening process.

FIG. 9 is a diagram showing a reception completion screen displayed on the information processing terminal of the user in the investment trust new account opening process.

FIG. 10 is a flowchart (part 1) illustrating an account opening process according to an embodiment of the present invention.

FIG. 11 is a flowchart (part 2) illustrating an account opening process according to an embodiment of the present invention.

FIG. 12 is a diagram showing a list of statuses used for managing the processing status of an account opening request in the account opening process.

[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 40 Business processing system 41 Operation terminal 42 Customer information database 44 Questionnaire database 50 Transaction processing system 51 Operation terminal 52 Account database

Claims (8)

[Claims] Claims: 1. A request receiving means for receiving, via a network, a request from a user to newly open an investment trust account, and a new investment trust account to be newly opened from already opened deposit accounts. A deposit and withdrawal account designating means for allowing a user to designate a deposit account for depositing and withdrawing via a network, and an investment trust as an account using the same registration stamp as the deposit account designated by the deposit and withdrawal account designating means. Opening means for newly opening an investment trust account of the user based on an instruction to open an account of the financial processing system. 2. When the request receiving means receives a request for newly opening an investment trust account from a user, the status of the account opening request is set to a first state. After outputting the list of the first form as the first form, the status of the account opening request is set to the second state. 3. The person in charge of the financial institution, on the basis of the first form, sends a document necessary for opening a new investment trust account to the user who has requested to open a new investment trust account. 3. The financial processing system according to claim 2, wherein 4. When the person in charge of the financial institution inputs that the user has returned the necessary documents filled in properly, the status of the account opening request is set to the third state. The financial processing system according to claim 3, wherein: 5. The financial processing system according to claim 3, wherein a list of the account opening request in the third state is output as a second form, and then the status of the account opening request is set to a fourth state. 6. The system according to claim 5, wherein the person in charge of the financial institution inputs an instruction to newly open an investment trust account to the opening means based on the second form. Financial processing system. 7. A request accepting step for accepting, via a network, a request from a user to newly open an investment trust account, and the investment trust account to be newly opened from already opened deposit accounts. A deposit and withdrawal account designation step for allowing a user to designate a deposit account for depositing and withdrawing via a network, and an investment trust as an account using the same registration stamp as the deposit account designated in the deposit and withdrawal account designation step. An opening step of newly opening an investment trust account of the user based on an instruction to open an account of the system. 8. A recording medium on which a program for controlling a financial processing system is recorded, wherein a request from a user to newly open an investment trust account is provided.
A request receiving step to be received via a network, and a deposit / withdrawal which allows a user to designate, via the network, a newly opened account of the investment trust and a deposit / withdrawal account from among the already opened deposit accounts. An account specifying step, and newly opening an investment trust account of the user based on an instruction to open an investment trust account as an account using the same registration stamp as the deposit account specified in the deposit / withdrawal account specifying step. A recording medium characterized by recording a program comprising: an opening step;