JP2002163459A - Information providing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To detect insufficient funds for account transfer in a certain period and to provide useful information to evade the insufficient funds. SOLUTION: An account data file 108 and a customer data file 109 containing various data needed to provide useful information on an account for which account transfer is set are connected to a CPU 101 and it is decided whether or not it becomes the insufficient funds for the account transfer in the certain period; when the decision result is affirmative, the balance and usable balance of another account and a card loan account are displayed, and when neither account nor the card loan account is available, a card loan application guide is displayed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for providing information in an account for which a direct debit is set in a financial institution or the like.

[0002]

2. Description of the Related Art Conventionally, as this kind of information providing method, a method as disclosed in Japanese Patent Application Laid-Open No. 9-23144 is known. That is, in the method described in this publication, data relating to direct debit of the customer within a certain period (for example, one month) is registered in the storage device in advance. Then, when the customer performs a transaction operation such as an ATM, the total amount debited within the fixed period is compared with the balance after the ATM transaction. If the total amount to be debited is larger than the balance after the ATM transaction and there is a possibility that the balance becomes insufficient on the account withdrawal date, a predetermined message (notice that there is a possibility of insufficient balance). Is displayed to inform the customer in advance that the account cannot be debited. In addition, in particular, when the transaction operation of the ATM or the like by the customer is a withdrawal transaction operation such as deposit withdrawal, display information for selecting whether to execute the withdrawal transaction at the time is also added. Was offered.

[0003]

However, in the above-mentioned conventional information providing method, even if it is predicted that a balance shortage will occur on a future debit date at the time of an ATM transaction operation, the customer is informed that the balance shortage may occur. The only thing that can be done is to select whether or not to execute the withdrawal transaction at that time. That is, no information has been provided regarding specific means for avoiding a future shortage of the balance expected at the time, and the customer could not take a specific measure for avoiding the shortage of the balance.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and an object of the present invention is to provide a system in which a predetermined amount of money is deducted from a bank account on a predetermined date. Is to eliminate as much as possible the possibility of the occurrence of the occurrence.

[0005]

In order to achieve the above object, according to the first aspect of the present invention, an information processing apparatus is used for an account set so that a predetermined amount is debited on a predetermined date. In the information providing method in which the balance information of the account is output and displayed when the transaction operation is performed, it is determined whether the account runs out of balance on the predetermined date by performing the transaction operation. Determining;
When the determination result is affirmative, a step of outputting and displaying useful information for avoiding the occurrence of the balance shortage is also provided.

According to a second aspect of the present invention, in the first aspect of the invention, in the step of outputting and displaying the useful information, it is determined whether there is another account with the same name other than the account, and the determination is made. If the result is positive, the gist is that the balance information of the separate account is output and displayed.

According to a third aspect of the present invention, in the first or second aspect of the invention, in the step of outputting and displaying the useful information, it is determined whether or not there is another account with the same name other than the account. If the determination result is affirmative, it is further determined whether there is an account available for a card loan as the separate account, and if the determination result is affirmative, the card loan is available. The gist is that information on the available balance of the various accounts is output and displayed.

According to a fourth aspect of the present invention, in the first or second aspect of the invention, in the step of outputting and displaying the useful information, it is determined whether or not there is another account with the same name other than the account. If the determination result is affirmative, it is further determined whether there is an account available for card loan as the separate account, and if the determination result is negative, card loan application guidance information Is output and displayed.

According to a fifth aspect of the present invention, in the invention according to any one of the first to fourth aspects, in the step of outputting and displaying the useful information, another account having the same name other than the account is used. It is determined whether or not there is, and if the result of the determination is negative, the gist is that the card loan application guidance information is output and displayed.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment in which the present invention is embodied in an information providing method at the time of a transaction operation using an information processing device in a financial institution will be described in detail with reference to FIGS.

FIG. 1 shows an information processing apparatus 1 according to this embodiment.
00, a central processing unit (hereinafter referred to as a “CPU”) 101 as a determination unit includes a read-only memory (ROM) 102 storing an operation program of the apparatus and a useful information providing program, and the like. A random access memory (RAM) 103 capable of writing and reading various calculation contents and application software in the apparatus is connected.

At the input side of the CPU 101, an ATM,
A transaction operation device 104 capable of inputting bank transactions such as internet banking and mobile banking is connected via a communication line 105 and an interface 106 in the information processing device 100. The transaction operation device 1
04 is provided with an output device 107 having a display.
6 and the data output via the communication line 105 can be displayed on a display. When a customer performs a transaction operation such as deposit, withdrawal, transfer, transfer, and balance check using the transaction operation device 104, the customer reads from the account number, cash card, passbook, or the like input by the customer. The data of the customer number of the customer can be transmitted to the CPU 101 via the interface 106 or the like.

Further, the CPU 101 is connected to an account data file 108 storing account data of all accounts currently opened in the financial institution, and a customer data file 109 storing customer data of each account. Have been.

As shown in FIG. 2, the account data file 108 contains account information for each account, that is, a customer number 20.
1, customer name 202, account number 203, setting section 204 for direct debit, and if there is a setting, the due date 20
5 and the amount of money 206, the transaction history (for example, balance) 207 of the account, and the like are separately stored for each account. Then, when there is a new setting (or cancellation) of direct debit, the data is added and the data content is sequentially updated. Although not shown, the account information also includes a password used for a transaction operation on the account.

Next, the customer data file 109 is
As shown in FIG. 3, transaction information for each customer, that is, customer number 301, customer name 302, and held account information (owned account name) 303 at the financial institution are separately stored for each customer. In the holding account information 303, it is determined whether the various accounts of the same name held by the customer are accounts that can use a card loan (hereinafter referred to as a card loan account) 305 and other accounts (hereinafter referred to as card loan accounts). It is stored in a state in which it is classified as a setting account 304.

Next, an information processing routine of the CPU 101 in the information processing apparatus 100 configured as described above will be described with reference to FIG.
5 will be described based on the flowchart shown in FIG. First, when a customer performs a transaction operation using the transaction operation device 104, various data such as a useful information program stored in the ROM 102 in the CPU 101 is read based on the control of the CPU 101, and the useful information providing program is temporarily stored. And stored in the RAM 103. In the following description, it is assumed that the customer number 201 of the customer is “12345” shown in FIGS. Also,
The transaction operation of the customer is a withdrawal transaction, and the withdrawal amount is 30,000 yen.

As shown in FIG. 4, when the customer operates the transaction operation device 104 after performing a predetermined identity recognition operation, the CPU 101 determines from the account data file 108 that the customer number 201 of the customer is "123" in step S401.
45 "and that the account number 203 of the account is" 67890 ". Accordingly, based on the identification of the account number 203, the CPU 101 determines that the account of the customer has the setting section 204 of account debit registered as “set”, and the total amount of the amount 206 of the account debit within a certain period is 50,000 yen,
It stores that the transaction history (balance) 207 before conducting a transaction by the transaction operation device 104 of the customer is 60,000 yen. When the account has a card loan (overdraft) setting, the amount of the transaction history (balance) is a payable balance including the amount that can be overdrawn in the balance of the account.

Then, the CPU 101 proceeds to step S
At 402, the amount 30,000 yen inputted by the customer in the withdrawal transaction operation is subtracted from the balance of 60,000 yen in the account of the account number "67890", and the balance 3 after execution of the transaction by the withdrawal transaction is obtained.
Calculate 10,000 yen.

Then, in step S403, it is determined whether or not the withdrawal transaction can be established. That is, it is determined whether or not the balance after the transaction (30,000 yen)> 0. If the determination result is affirmative, in the next step 404, the CPU 101 causes the account withdrawal stored in the account data file 108 to be transferred. It is determined from the setting section 204 whether the account debit of the account is not set.

On the other hand, if the result of the determination in step 403 is negative, that is, if the withdrawal transaction is not established, in step S405, the CPU 101 causes the display of the transaction operation device 104 to display "transaction impossible" , Stop the subsequent trading operation.

Now, in step S404,
The determination result of the customer's account is negative because the setting section 204 of the account withdrawal in the account data file 108 is set to be set. Therefore, the subsequent processing shifts to the next step S501 shown in FIG.

On the other hand, if the result of the determination in step S404 is affirmative, that is, the debit setting section 204
Is not set, the CPU 101 displays "Transaction completed" on the display of the transaction operation device 104 and performs a predetermined dispensing process control in step S406, and then the transaction operation is terminated.

In step S501 shown in FIG. 5, the CPU 101 determines the account transfer amount 206 (50,000 yen) stored in the account data file 108,
The balance (30,000 yen in this embodiment) of the account after execution of the withdrawal transaction is compared to determine whether or not a balance shortage occurs. If the determination result is affirmative, that is, if the amount 206 (50,000 yen) to be debited on the predetermined date 205> the balance after execution of the withdrawal transaction (30,000 yen),
In step S502, the CPU 101 determines whether the customer has another account based on the account classification of the customer's account information 303 stored in the customer data file 109.

As shown in FIG. 3, if the customer has different accounts "445566" and "778899", that is, if the result of the determination in step 502 is affirmative, the next step is performed. In S503, it is determined whether the customer has a card loan account 305 based on the account classification of the customer's account information 303 stored in the customer data file 109. If the determination result is affirmative, that is, another account is held in the held account information 303 and the card loan account 305 is held.
If the account is also held, the CPU 101 displays the accounts 304 and 305 (“445566”, “77”) on the display of the transaction operation device 104 in the next step S504.
8899 ") and the available balance of the card loan account are displayed, the transaction is completed, and the transaction operation is terminated. In addition, the card loan account includes an overdraft (ad-hoc payment method) and a dedicated overdraft (contract repayment method). The available balance is the payable balance including the overdraftable amount in the balance of the account.

On the other hand, if the result of the determination in step S501 is negative, ie, the amount to be debited on the predetermined date 205 ≦ the balance after execution of the withdrawal transaction, and the account that is the account withdrawal setting account 304 is If the balance does not become insufficient, a transaction completion is displayed in step S505, the transaction is completed, and the transaction operation is terminated.

If the determination result in step S502 is negative, that is, if another account is not held in the account category of the held account information 303, step S50 is executed.
In 6, the CPU 101 displays the application guidance for the card loan account on the display of the transaction operation device 104 and ends the transaction operation.

If the determination result in step S 503 is negative, that is, if the card loan account 305 is not held in the account category of the held account information 303, the CPU 101 displays the card loan on the display of the transaction operation device 104. Unset account 304 ("44556
6)), and display the application guidance for the card loan account, while ending the transaction.

Therefore, according to the present embodiment, the following effects can be obtained. (1) In an account in which a predetermined amount is set to be debited on a predetermined date, an account data file 108
By providing a debit amount 206, a determination step of the occurrence of a balance shortage by comparing the post-transaction balance data of the account, and an output display step of selecting display information to be provided to the customer based on the determination result. Useful information can be provided to the customer holding the information.

(2) When the balance of the account set for the debit is insufficient due to the amount of money 206 to be debited, the display information to be provided to the customer is selected based on the data content of the held account information 303 of the customer data file 109. By providing an output display step, it is possible to provide useful information according to the transaction status of the customer holding the account.

(3) Providing information on specific alternative means for avoiding a balance shortage when a shortage is expected in the account based on the judgment based on the held account information 303 of the customer data file 109. Can be.

The above embodiment can be modified as follows. In the above embodiment, the useful information for avoiding the balance is displayed on the display of the transaction operation device 104, but may be displayed together with the display or by printing out instead of the display. In this case, the balance of the account is managed based on the printed out information even if the information is not obtained by operating the transaction operation device 104 when adjusting the balance shortage of the account after the operation. be able to.

In the above embodiment, the balance (payable balance) of another account, the available balance of the card loan account, and the application guidance information of the card loan account are displayed as useful information for avoiding the balance. Useful information may be displayed. That is, the debit date 20 set for the account stored in the account data file 108
5. If the amount of money 206 and the like are displayed in a list, the necessary amount of money and the necessary date can be grasped concretely, and the customer's account management becomes easy.

In the embodiment, the step S50
In step 2, it is determined whether or not another account is held. If the determination result is affirmative, a section of the account withdrawal set account and a section of the account with no account debit set are further provided in the section of the held account information 303. A determination may be made as to whether the separate account has a setting for direct debit. In this case, if there are multiple accounts with the same name and the account is set to be debited, another account with the direct debit setting can be hidden, and the customer can reliably compensate for the shortfall. You can grasp another account accurately.

In the above-described embodiment, the balance of another account and the available balance of the card loan account are displayed as useful information for avoiding the balance. An account that cannot compensate for the balance shortage less than the amount 206 of the direct debit within the period is the amount 20 of the direct debit for the certain period.
You may make it display separately from another account which has a balance exceeding six. In this case, the customer can more accurately grasp another account having a balance sufficient to compensate for the shortage from among the plurality of different accounts.

In the above embodiment, step S504,
In steps S506 and S507, the CPU 101 displays the balance of another account, the available balance of the card loan account, or the application guide for the card loan account on the display of the transaction operation device 104 and terminates the transaction. Alternatively, the CPU 101 may determine whether to select the transfer from the displayed application guide for the different account and the card loan account or the card loan application operation. That is, a selection button for performing a transfer from another account or a card loan application operation is provided on the screen, and when there is a customer input, the process can be shifted to the transfer or card loan application process. In such a case, when the transfer is made to the transfer, information on the balance shortage can be obtained and then a transaction to make up for the balance shortage can be made immediately, and when the process goes to the card loan application processing, a predetermined examination is performed. Later, you can make a transaction to make up for the balance shortage.

Next, technical ideas other than the invention described in the claims, which can be understood from the embodiment and other examples, will be described below. (1) An information providing system for outputting and displaying balance information of an account set in such a manner that a predetermined amount is debited on a predetermined date when a transaction operation using an information processing device is performed on the account. A determination means for determining whether or not the account runs out of balance on the predetermined date by performing the transaction operation, and, if the determination result is affirmative, for avoiding occurrence of the balance shortage. An information providing system comprising: an output unit configured to output and display useful information.

(2) The determining means further determines whether there is another account with the same name other than the account, and if the determination result is affirmative, the output means outputs the balance information of the different account. The information providing system according to the technical idea (1) to be displayed.

(3) The determining means further determines whether there is another account with the same name other than the account, and if the determination result is affirmative, an account for which a card loan can be used as the separate account. It is further determined whether or not exists,
If the determination result is affirmative, the output means outputs the information on the available balance of the account available for the card loan and provides the information described in the technical idea (1) or the technical idea (2). system.

(4) The determining means further determines whether there is another account with the same name other than the account, and if the determination result is affirmative, an account for which a card loan can be used as the separate account. It is further determined whether or not exists,
If the result of the determination is negative, the information providing system according to the technical idea (1) or the technical idea (2), wherein the output unit outputs and displays card loan application guidance information.

(5) The determining means further determines whether there is another account with the same name other than the account,
If the determination result is negative, the information according to any one of the technical ideas (1) to (4), in which the output unit outputs and displays card loan application guidance information. Delivery system.

[0041]

According to the invention as set forth in claims 1 to 5, in an account in which a predetermined amount is set to be debited on a predetermined date, the total amount of the debit amount for a certain period is debited. Thus, it is possible to provide specific information for effectively avoiding the occurrence of a shortage of the balance of the account due to this.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an information processing apparatus according to an embodiment.

FIG. 2 is a configuration diagram of an account data file.

FIG. 3 is a configuration diagram of a customer data file.

FIG. 4 is a flowchart of an information processing routine according to the embodiment.

FIG. 5 is a flowchart of an information processing routine according to the embodiment.

[Explanation of symbols]

 100: Information processing device 101: Central processing unit (CPU) as determination means 108: Account data file 109: Customer data file

Claims (5)

[Claims] Claims 1. An information output and display of the balance information of an account set in such a manner that a predetermined amount of money is debited on a predetermined date when a transaction operation using an information processing apparatus is performed. In the providing method, a step of determining whether or not the account runs out of balance on the predetermined date by performing the transaction operation, and if the determination result is affirmative, to avoid occurrence of the balance shortage And displaying the useful information together. 2. In the outputting and displaying of the useful information, it is determined whether or not there is another account with the same name other than the account, and if the determination result is affirmative, the balance information of the another account is output. The information providing method according to claim 1, which is displayed. 3. In the outputting and displaying of the useful information, it is determined whether there is another account with the same name other than the account, and if the determination result is affirmative, a card loan is used as the separate account. 3. The method according to claim 1, wherein it is further determined whether there is a possible account, and when the determination result is affirmative, information on an available balance of an account available for the card loan is output and displayed. Information provision method described in. 4. In the output and display step of the useful information, it is determined whether there is another account with the same name other than the account, and if the determination result is affirmative, a card loan is used as the separate account. 3. The information providing method according to claim 1, wherein it is further determined whether a possible account exists, and if the determination result is negative, card loan application guidance information is output and displayed. 5. In the outputting and displaying step of the useful information, it is determined whether there is another account with the same name other than the account, and if the determination result is negative, card loan application guidance information is output. The information providing method according to any one of claims 1 to 4, which is displayed.