JP2002279188A - Method and device for approving action and program therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a predetermined third party to approve a predetermined action such as withdrawal of deposits. SOLUTION: When an account number and the sum of money to be withdrawn are designated from a CD terminal 10, a bank server 20, if the account is to be used by a plurality of people, encrypts data including information on them and transmits the data to a communication enterprise server 40 via a network 30. In accordance with the data received, the server 40 encrypts e-mail containing the name of the bank, the account number, the sum of money, and the registered name, and transmits the e-mail to the cellular phone 50 owned by the predetermined third party. If an encrypted return e-mail matching the operation of either approving or disapproving the withdrawal is received from the server, corresponding encrypted withdrawal approval/disapproval data are transmitted to the bank server 20. The CD terminal 10 receives the data via the bank server 20 for decryption, and if the withdrawal is approved, the designated sum of money is withdrawn.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an action approval device and an action approval method for approving a predetermined action such as withdrawal of a deposit, and a program for causing a computer to realize the function of such an action approval apparatus.

[0002]

2. Description of the Related Art Conventionally, in order to withdraw cash from a bank or postal savings account, it was necessary to go to a bank or post office with a passbook and a seal. In addition to such banks and postal savings, as cash dispensers are arranged at various places such as stations and business establishments, if you only enter a cash card and PIN,
Since the deposit can be withdrawn, the deposit can be easily withdrawn. This also eliminates the need to carry a bankbook or seal, and reduces the risk of loss or theft.

[0003]

On the other hand, a deposit account has
In addition to personal accounts, there are accounts shared by a plurality of persons, for example, couples, parents and children. In the case of such an account shared by a plurality of persons, a person having a bankbook and a seal and a person having a cash card can withdraw a deposit separately.

[0004] Therefore, in the case of an account shared by a plurality of persons, there has been a problem that a deposit can be withdrawn without obtaining the consent of all the persons sharing the account.

[0005] In addition, it is difficult to prevent an account used by an individual from being debited due to an illegal use of a lost or stolen bank account and improper use of a seal or cash card.

[0006] It is an object of the present invention to enable a predetermined third party to approve a predetermined action such as withdrawal of a deposit.

[0007]

In order to achieve the above object, an action approval device according to the present invention has an input means for receiving an instruction to start a predetermined action, and an input means for receiving an instruction to start the predetermined action by the input means. A communication means for notifying a predetermined third party terminal via a network that the predetermined action is to be started and obtaining approval from the terminal via the network by the third party; and If the approval received from the third party terminal via the network is an approval permitting to start the predetermined action, the predetermined action is started, and the approval starts the predetermined action. And an action control means for not starting the predetermined action if the approval is not granted.

Further, in the action approval method according to the present invention, by declaring the start of a predetermined action, a predetermined third party terminal is notified via a network of the start of the predetermined action, and the terminal is notified from the terminal. Obtaining the approval by the third party through the network; and if the approval by the third party is an approval permitting the start of the predetermined action, the predetermined action is started. Is not allowed to start if the approval does not permit the start of the predetermined action.

[0009] The program according to the present invention, upon receiving a declaration of the start of a predetermined action by a computer, notifies a predetermined third party terminal via a network of the start of the predetermined action, and informs the computer of the start of the predetermined action. From the function of obtaining the approval of the third party through the network, and the approval of the third party, if the approval permits the start of the predetermined action, performs the start of the predetermined action, If the approval does not allow the start of the predetermined action, the function of not starting the predetermined action is realized.

[0010] That is, according to the behavior approval apparatus, the behavior approval method, and the program of the present invention, when performing any action, approval is obtained from a predetermined third party through a network, and the approval permission is determined by the third party. If it is obtained from three parties, the action start is permitted.

Therefore, it is possible to allow a predetermined third party to approve a predetermined action such as withdrawal of a deposit.

In the case where the predetermined action is an action of withdrawing the asset from the storage device, the communication means may instruct the withdrawal of the asset by the predetermined third party via the network. Is notified to the terminal of the other co-owner who is authorized to withdraw the asset, and the behavior control means receives the withdrawal approval from the other co-owner through the network. If the permission has been obtained, it is possible to start the withdrawal of the asset, and if the authorization is not permitted to withdraw the asset, the asset can not be withdrawn.

In this case, the storage device may be a cash dispenser for withdrawing a deposit.

[0014] The terminal of the other co-owner can be a portable terminal.

Further, the communication device may notify the terminal of the other joint owner by sending an electronic mail to the terminal of the other joint owner.

Similarly, the communication device receives the approval from the terminal of the other co-owner as an e-mail, and the action control means obtains the withdrawal approval permission based on the content of the e-mail. It may be determined whether or not the operation has been performed.

[0017]

FIG. 1 is a block diagram showing an embodiment of the present invention.
This will be described with reference to FIGS.

[First Embodiment] FIG. 1A is a diagram showing a configuration of a system to which a first embodiment of an action approval device according to the present invention is applied. In the first embodiment, the financial institution is described as a bank. However, it is needless to say that the present invention can be similarly applied to other financial institutions such as a shinkin bank and a postal savings bank.

That is, a plurality of cash dispensers (C) arranged in the head office of a bank, at a station, at various places of business, etc.
D) Terminal 10 (only one is shown in the figure)
A dedicated line such as an AN or a LAN is connected to a bank server 20 provided in a head office of a bank, for example, as a behavior approval device according to the first embodiment. The bank server 20 also has a network 30 such as the Internet.
Is connected to the communication company server 40 via the.

Here, the bank server 20 manages withdrawal / transfer of deposits and the like, and the communication company server 40 manages mail of a mobile phone (or a mobile terminal having a mobile phone function) 50. And so on.

FIG. 2A is a diagram showing a configuration of a computer functioning as the CD terminal 10. As shown in FIG. The computer includes a CPU 11, an input device 12, a display device 13, a printing device 14, a storage device 15,
It comprises an AM 16, a transmission control unit 17, and the like.

Here, the CPU 11 is a control unit for controlling the entire computer. The input device 12 is a touch panel or the like provided on a display surface of a liquid crystal display as the display device 13 for inputting a personal identification number, an amount, and the like. It is a printer. Note that the input device 12 also includes a card reader that reads data such as an account number from a cash card.

The storage device 15 stores programs, data, and the like in advance.
The above-mentioned CPU such as an optical recording medium or a semiconductor memory
11 includes a recording medium 18 that can be read. The recording medium 18 includes a portable medium such as a CD-ROM and a memory card and a fixed medium such as a hard disk. In addition, some or all of the programs, data, and the like stored in the recording medium 18 are stored in the bank server 20.
From a transmission control unit 1 via a dedicated line such as a WAN or LAN.
7, the recording medium 18 may be the recording medium of the bank server 20.

The RAM 16 functions as a work memory used by the CPU 11 during execution of a program, and has an area of a decrypted data memory 16A and a predetermined amount memory 16B as shown in FIG. are doing.

Here, the decrypted data memory 16A
Is the encrypted withdrawal O sent from the bank server 20
This is for temporarily storing the decoding result of the K / NG data.

The predetermined amount memory 16B is for setting and storing a minimum amount for approval to a predetermined third party. For example, it is troublesome for a third party to perform an approval operation by a third party every time a withdrawal of about 1,000 yen is made. The minimum amount is set.

It is more preferable that the predetermined amount memory 16B is backed up or provided on the recording medium 18 so that its contents are not lost even when the power is turned off.

On the other hand, FIG. 2B shows the bank server 2
FIG. 11 is a diagram illustrating a configuration of a computer functioning as a computer.
This computer has a CPU 21 as shown in FIG.
It comprises a storage device 22, a RAM 23, a transmission control unit 24 and the like.

Here, the CPU 21 is a control section for controlling the entire computer. The storage device 22 stores programs, data, and the like in advance,
The storage device 22 has a configuration including a recording medium 25 readable by the CPU 21 such as a magnetic or optical recording medium or a semiconductor memory. This recording medium 25 is a CD
-Includes portable media such as ROM and memory cards, and fixed media such as hard disks. Also, this recording medium 25
Some or all of the programs, data, etc. stored in the LAN or LAN are transmitted from another server or client to a WAN or LAN.
The recording medium 25 may be received from the transmission control unit 24 via a dedicated line such as the Internet or the network 30 such as the Internet. It may be a recording medium of a client.

The RAM 23 functions as a work memory used by the CPU 21 during execution of a program. As shown in FIG. 3B, the account management file 23A, the encrypted data memory 23B, and the bank name An area for the data memory 23C is provided.

Here, the account management file 23A is
As shown in FIG. 3 (C), the holder data, account No. , Approval data, personal operation flag, monthly withdrawal amount, and upper limit amount for each holder.

The approval data is a personal identification number for personal authentication, and the personal operation flag is a flag for specifying whether the account is used by an individual or shared by a plurality of persons.

The withdrawal amount for one month is for storing the total amount of withdrawal amount for the current month, and is cleared at the beginning of each month. And the above-mentioned upper limit by holder is to store the withdrawal limit for one month, and when applying at the time of opening an account, ask the third-party Staff at the financial institution will look at it and initialize it. That is, as described above, the third party does not perform the approval operation with a small amount, but by repeating such small amount withdrawal several times,
Expensive withdrawals may occur. Therefore, such a situation can be prevented by determining whether or not the amount can be withdrawn in one month on the bank server 20 side based on the withdrawal amount in one month and the upper limit amount by holder.

The encrypted data memory 23B is
When the third party approves, the communication company server 40
This is for temporarily storing encrypted data obtained by encrypting data to be transmitted to the PC.

Then, the bank name data memory 23C
Stores the name of the financial institution.

The account management file 23A and the bank name data memory 23C are backed up or stored in the storage medium 2 so that their contents are not lost even when the power is turned off.
5 is more preferable.

The transmission control unit 24 is provided with a WAN or L
It transmits and receives data to and from other devices connected via a dedicated line such as an AN and a network 30 such as the Internet.

On the other hand, FIG. 2C is a diagram showing a configuration of a computer functioning as the communication company server 40. This computer has a CPU 4 as shown in FIG.
1, a storage device 42, a RAM 43, a transmission control unit 44, a communication device 45, and the like.

Here, the CPU 41 is a control section for controlling the entire computer. The storage device 42 stores programs, data, and the like in advance.
The storage device 42 has a configuration including a recording medium 46 readable by the CPU 41 such as a magnetic or optical recording medium or a semiconductor memory. This recording medium 46 is a CD
-Includes portable media such as ROM and memory cards, and fixed media such as hard disks. The recording medium 46
May be configured to receive part or all of the programs and data stored in the transmission control unit 44 from another server or client via the network 30 such as a WAN or LAN or the network 30 such as the Internet. Further, the recording medium 46 may be a recording medium of another server or client constructed on the network.

The RAM 43 functions as a work memory used by the CPU 41 during the execution of the program. As shown in FIG. 3D, the communication company mail address memory 43A and the bank management data file 43
B area is provided.

Here, the communication company mail address memory 43A stores an electronic mail address of the communication company.

The bank management data file 43B
As shown in FIG. 3 (E), the account No. for each of the plurality of financial institutions. In addition to storing the e-mail address of a predetermined third party's individual to be approved in association with the e-mail address, the e-mail address of the e-mail address to which the withdrawal confirmation mail has been sent is temporarily stored.

The communication company mail address memory 43A and the bank management data file 43B are preferably backed up or provided on the recording medium 46 so that their contents are not lost even when the power is turned off.

The transmission control unit 24 transmits and receives data to and from other devices connected via a network such as a WAN or a LAN or the network 30 such as the Internet. 45
Is for communicating with the mobile phone 50.

FIG. 2D shows the portable telephone 50.
Is a diagram showing the configuration of a computer functioning as a computer. The computer includes a CPU 51, an input device 52, a display device 53, a storage device 54, and a RAM 5 as shown in FIG.
5, a transmission control unit 56, a communication device 57, and the like.

Here, the CPU 51 is a control section for controlling the entire computer. The input device 52 is a keyboard for inputting a telephone number or the like, and the display device 53 is a liquid crystal display or the like.
In the present embodiment, the input device 52 is
It also includes a fingerprint input device.

The storage device 54 stores programs, data and the like in advance, and the storage device 54 is a storage medium 58 such as a semiconductor memory readable by the CPU 51.
It is a configuration including The recording medium 58 includes a portable medium such as a memory card. Further, the program, data, and the like stored in the recording medium 58 may be partially or wholly received by the transmission control unit 56 from another device connected as necessary via a network or a cable. good.

As shown in FIG. 3 (F), the RAM 55 has an area for a mail storage unit 55A, a withdrawal OK mail creation document data memory 55B, a withdrawal NG mail creation document data memory C, and a fingerprint data 55D. I have.

Here, the mail storage section 55A stores the received e-mail, and the extracted OK mail creation document data memory 55B and the extraction NG mail creation document data memory C store the created extraction O-mail.
This is for temporarily storing the mail of K and the mail of withdrawal NG.

The fingerprint data 55D stores the fingerprint data of the user registered in advance by the user of the mobile phone 50. The fingerprint data 55D
Is preferably backed up or provided on the recording medium 58 so that its contents are not lost even when the power is turned off.

The communication device 57 is for performing communication with the mobile phone 50 of the communication company server 40.

Next, the operation in such a configuration will be described. FIG. 1B is a schematic diagram summarizing the operation of the first embodiment.

That is, from the CD terminal 10, the account No. When the amount is specified, the bank server 20 determines whether the account is operated by an individual or a plurality of persons. Instructs withdrawal OK. Thus, the specified amount of money can be withdrawn at the CD terminal 10.

On the other hand, when the account is operated by a plurality of persons, the bank server 20 sets the account number. And the data including the designated amount are encrypted and transmitted to the communication company server 40 via the network 30. In the communication company server 40, the bank name, the account N
o. Then, the e-mail in which the amount and name are described is encrypted and transmitted to a predetermined third party mobile phone 50.

As a result, a third party who has viewed the e-mail on the mobile phone 50 performs a withdrawal OK or NG operation. Then, the mobile phone 50 creates an encrypted e-mail corresponding to the operation of the withdrawal OK or NG, and returns it to the communication company server 40.

In the communication company server 40, the encryption extraction OK /
The NG data is transmitted to the bank server 20. And
The bank server 20 transmits the encrypted withdrawal OK / NG data to the CD terminal 10. Thus, the CD terminal 10 decrypts the encrypted withdrawal OK / NG data, and as a result, if OK, the designated amount can be withdrawn. In contrast, NG
If so, a message indicating that withdrawal is impossible is output so that cash cannot be withdrawn.

Hereinafter, details of such an operation will be described in the above CD.
Each of the terminal 10, the bank server 20, the communication company server 40, and the mobile phone 50 will be described with reference to the drawings.

That is, FIG. 4 is a diagram showing a flowchart for explaining a program for causing a computer constituting the CD terminal 10 to realize each function according to the first embodiment of the present invention. This program will be described with an example in which the program is stored in the recording medium 18 in the form of a program code that can be read by the CPU 11, but it is not necessary to store all the functions in the recording medium 18, and if necessary, A part or the whole may be received from the transmission control unit 17 via a dedicated line such as a WAN or a LAN, and may be realized.

That is, first, the account No. input by the input device 12 is entered. And the personal identification number are transmitted to the bank server 20 by the transmission control unit 17 and the personal authentication for receiving the authentication result is executed (step S101). Then, it is determined whether or not the received authentication result is an authentication success (Step S).
102). If the authentication is unsuccessful, a message indicating that the withdrawal is impossible is displayed on the display device 13 (step S1).
03), the process ends.

On the other hand, when the personal authentication is successful, the withdrawal amount specified by the input device 12 is changed to the account number. At the same time, the data is transmitted to the bank server 20 by the transmission control unit 17 (step S104). Thereafter, the withdrawal amount specified by the input is stored in the predetermined amount memory 16.
It is determined whether or not the amount is equal to or more than the predetermined amount stored in B (step S105).
The cash withdrawal of the input and designated amount is performed (step S106), and this processing ends.

On the other hand, if the input designated amount is equal to or larger than the predetermined amount, it is determined by the transmission control unit 17 whether or not encrypted withdrawal OK / NG data has been received from the bank server 20 (step). S107). And
If the encrypted withdrawal OK / NG data has not been received, the transmission control unit 17 further determines whether or not the withdrawal OK data has been received from the bank server 20 (step S108). Here, if such withdrawal OK data is received, the process proceeds to step S106, and the cash with the amount specified and input is withdrawn.

If the withdrawal OK data has not been received, the transmission control unit 17 further determines whether or not withdrawal NG data has been received from the bank server 20 (step S109). Here, if such withdrawal NG data is received, step S1
Proceeding to step 03, a message indicating that withdrawal is impossible is displayed. If such withdrawal NG data has not been received, the process returns to step S107 to repeat the reception determination of the encrypted withdrawal OK / NG data.

If it is determined in step S107 that the encrypted withdrawal OK / NG data has been received from the bank server 20, the received encrypted withdrawal OK / NG data is decrypted. The result is temporarily stored in the decrypted data memory 16A (step S1).
10). Then, it is determined whether or not the decryption result indicates withdrawal OK (step S111). Here, withdraw OK
If so, the process proceeds to step S106, and the cash of the specified amount is withdrawn. If the withdrawal is not OK, the process proceeds to step S103,
A message will be displayed indicating that withdrawal is impossible.

FIG. 5 is a flow chart for explaining a program for causing the computer constituting the bank server 20 to realize each function in the first embodiment of the present invention. This program is based on the CP
Although an example in which U21 is stored in the recording medium 25 in the form of a readable program code will be described, it is not necessary to store all functions in the recording medium 25, and some or all of the functions may be stored as necessary. To a network such as a WAN or LAN or a network 30 such as the Internet.
And may be realized by receiving from the transmission control unit 24 via.

That is, first, the account No. is transmitted from the CD terminal 10 by the transmission control unit 24. Then, it is determined whether or not the amount has been received (step S201). If they have not been received yet, another monetary process is performed (step S202), and the process returns to step S201. Here, the other monetary processing is processing such as personal authentication processing and transfer, which are the same as the conventional processing, so that the description thereof is omitted here.

The account No. When the account and the amount are received, it is determined whether or not the account is personally operated by referring to the account management file 23A (step S20).
3). Here, if the account is a personally operated account, the transmission control unit 24 transmits the withdrawal OK data to the CD terminal 10 (step S204), and the process proceeds to step S204.
Return to 201. The CD terminal 10 is, as described above,
The reception of the withdrawal OK data is determined in step S108, and the designated amount is withdrawn.

Further, the account No. received from the CD terminal 10 can be used. Is not personally operated, that is, if the account is operated by a plurality of persons, the received amount is added to the one-month withdrawal amount of the account stored in the account management file 23A. (Step S205). Then, the added amount is the same as the account management file 23.
It is determined whether the account has exceeded the upper limit for the account stored in A (step S206). Here, if the upper limit is exceeded, the transmission control unit 24
Then, the withdrawal NG data is transmitted to the CD terminal 10 (step S207), and the process returns to step S201.
As described above, the CD terminal 10 determines the reception of the withdrawal NG data in the step S109 and displays a message indicating that the withdrawal is impossible.

On the other hand, if the amount has not yet exceeded the upper limit, the additional amount is added to the account management file 2.
It is stored in the withdrawal amount per month for the account of 3A (step S208). Then, the account No. received from the CD terminal 10 is displayed. And the amount and the bank name data memory 23C
And the holder data of the account stored in the account management file 23A are encrypted, and the obtained encrypted data is stored in the encrypted data memory 23B ( Step S209). Thereafter, the transmission control unit 24 transmits the encrypted data to the communication company server 40 via the network 30 such as the Internet (step S210).

Thereafter, the transmission control unit 24 determines whether or not the encrypted withdrawal OK / NG data has been received from the communication company server 40 (step S21).
1). Here, if the encrypted withdrawal OK / NG data has not been received yet, it is determined whether or not a predetermined time has elapsed since the transmission of the encrypted data (step S21).
2) If the predetermined time has not elapsed, the process returns to step S211. On the other hand, when the predetermined time has elapsed, the transmission control unit 24 transmits the extraction NG data to the CD terminal 10 (step S213), and returns to the step S201. As described above, the CD terminal 10 determines the reception of the withdrawal NG data in the step S109 and displays a message indicating that the withdrawal is impossible.

On the other hand, when the encrypted extracted OK / NG data is received from the communication company server 40, the received encrypted extracted OK / NG data is transmitted to the transmission control unit 2.
4 to the CD terminal 10 (step S21).
4), and return to step S201. The CD terminal 10
As described above, in step S107, the reception of the encrypted extracted OK / NG data is determined, and in step S110, the data is decrypted, and the above-described processing is performed.

FIG. 6 is a flowchart for explaining a program for realizing each function in the computer constituting the communication company server 40 in the first embodiment of the present invention. This program will be described with an example in which the program is stored in the recording medium 46 in the form of a program code that can be read by the CPU 41. However, it is not necessary to store all the functions in the recording medium 46. A part or the whole may be realized by receiving it from the transmission control unit 44 via a network such as a WAN or a LAN or the network 30 such as the Internet.

That is, first, the bank name and account No. are transmitted from the bank server 20 by the transmission control unit 44 via the network 30 such as the Internet. , The amount, and whether or not the encrypted data of the holder has been received (step S401). Here, when such encrypted data is received, the received encrypted data is decrypted (step S402), and a withdrawal confirmation mail is created from the decrypted data (step S403). And
The created withdrawal confirmation mail is encrypted (step S404), and the account N of the received bank name is added to the mail with reference to the bank management data file 43B.
o. Set the personal email address corresponding to
Further, the e-mail address of the communication company server 40 stored in the communication company mail address memory 43A is set as the sender, and transmitted by the communication device 45 (step S405). Thereafter, the transmitted mail address is temporarily stored in the bank management data file 43B (step S406), and the above-described step S401 is performed.
Return to

If it is determined in step S 401 that the encrypted data has not been received from the bank server 20, the communication device 45 further sends a reply mail of an encrypted withdrawal OK / NG from the mobile phone 50 through the communication device 45. It is determined whether or not data has been received (step S4).
07). If such encrypted mail OK / NG reply mail data has not been received, the process returns to step S401.

On the other hand, the encryption extraction OK / NG
If the reply mail data is received, it is further determined whether or not the mail address of the received reply mail data is temporarily stored in the bank management data file 43B (step S408). If the mail address is not temporarily stored, the process returns to step S401.

On the other hand, when the mail address of the reply mail data is temporarily stored, the received reply mail data of the encrypted withdrawal OK / NG is transferred to the encrypted withdrawal OK / NG.
The data is converted into NG transmission data (step S409), and transmitted to the bank server 20 via the network 30 such as the Internet by the transmission control unit 44 (step S410). Then, the corresponding mail address temporarily stored in the bank management data file 43B is cleared (step S411), and the process returns to the step S401.

The bank server 20 determines in step S4
In step S211, the reception of the encrypted extracted OK / NG transmission data transmitted in step 10 is determined, and the above-described processing is performed.

FIG. 7 is a flow chart for explaining a program for causing a computer constituting the portable telephone 50 to realize each function according to the first embodiment of the present invention. This program will be described with an example in which the program is stored in the recording medium 58 in the form of a program code that can be read by the CPU 51. However, it is not necessary to store all functions in the recording medium 58 in advance. Accordingly, a part or the whole may be received from the transmission control unit 56 via a network or a cable to be realized.

That is, this processing is executed by interruption every predetermined time. First, it is determined whether or not a withdrawal confirmation mail from the communication company server 40 has been received by the communication device 57 (step). S501). Here, if such a withdrawal confirmation mail has not been received, the reception of the normal mail is notified by a ring tone, vibration, or the like (step S502), and the received normal mail is stored in the mail storage unit 55A. (Step S503). Then, it is determined whether or not a mail output instruction has been made by operating the input device 52 (step S50).
4) If there is no such mail output instruction, this process ends. If a mail output instruction has been given, the stored mail is displayed on the display device 53 (step S505), and this processing is terminated.

On the other hand, when it is determined in step S501 that the withdrawal confirmation mail has been received, the reception of the withdrawal confirmation mail is notified by a ring tone, vibration, or the like (step S506). The confirmation mail is stored in the mail storage unit 55A (step S507). Then, the withdrawal confirmation mail is decrypted (step S508), and the decrypted mail is displayed on the display device 53 (step S5).
09). Thereafter, a message requesting fingerprint input is displayed on the display device 53 (step S510). If a fingerprint is input by the input device 52 in response to the message, the registered fingerprint stored in the fingerprint data 55D is displayed. Is performed (step S511). Then, it is determined whether or not the input fingerprint and the registered fingerprint match (step S512), and if they do not match, this process ends. That is, using a security function such as fingerprint authentication provided in the mobile phone 50, it is possible to prevent another person from performing a reply operation.

On the other hand, if the input fingerprint and the registered fingerprint match, for example, the user operates the numeral “1” key if the user agrees with the withdrawal of the deposit, and operates the numeral “1” if he does not agree. A message prompting input of withdrawal OK / NG, such as "Please operate the key", is displayed on the display device 53 (step S513). The owner of the mobile phone 50 operates the input device 52 accordingly.

Therefore, it is determined whether or not a withdrawal OK input has been made (step S514). Where drawer O
If the K input is made, mail data of withdrawal OK is automatically created and stored in the withdrawal OK email creation document data memory 55B (step S515). Further, when the withdrawal OK is not input, that is, when the withdrawal NG is input, the mail data of the withdrawal NG is automatically created, and the withdrawal NG mail creation document data memory 55C
(Step S516). Then, the mail data created in step S515 or S516 is encrypted (step S517), and the encrypted mail data is used as a reply mail by the communication device 57 by the communication device 57.
0 (step S518), and the process ends.

In step S407, the communication company server 40 determines whether or not the encrypted withdrawal OK or withdrawal NG mail data has been received, and executes the above-described processing.

As described above, according to the first embodiment, when withdrawing a deposit from an account used by a plurality of persons, the deposit is withdrawn after obtaining the consent of another account user. Thus, it is possible to prevent financial trouble after the withdrawal of the deposit.

In the above description, the e-mail is used as a means of contacting the withdrawal agreement. However, for example, the confirmation may be made by telephone.
Voiceprint authentication or the like can be used.

Although the personal mail address managed in the bank management data file 43B of the communication company server 40 is one for each account, the mail addresses of all the sharers of the account including the drawer are stored. West,
Unless the consent of all the account users is obtained, withdrawal of the deposit may be prohibited.

[Second Embodiment] Next, a second embodiment of the present invention will be described.
An embodiment will be described.

That is, in the first embodiment,
At the time of withdrawal of a deposit, an attempt was made to obtain consent from an account user other than the person attempting to withdraw the deposit. However, in the second embodiment, if it is known that the deposit will be withdrawn in advance, Is intended to speed up the withdrawal of a deposit by making a withdrawal reservation when it is determined that the deposit is to be withdrawn.

FIG. 8A is a diagram showing a configuration of a system to which a behavior approval device according to a second embodiment of the present invention is applied. In the second embodiment, the financial institution is described as a bank, but it is needless to say that the present invention can be similarly applied to other financial institutions such as a credit union and a postal savings bank.

That is, in the second embodiment, the portable telephone (or portable terminal having a portable telephone function) 50
, A drawer reservation database (DB) 47 is connected to the communication company server 40.

Here, the drawer terminal 60 and the asset sharer terminal 70 are portable terminals or personal computers that can be connected to the network 30 such as the Internet.

As shown in FIG. 8B, the withdrawal reservation DB 47 stores each deposit account No. Corresponding to
Nominee data, withdrawal reservation data, deposit balance, and withdrawal O
The K flag is stored.

The withdrawal reservation data is stored in the withdrawer terminal 6.
From 0, it is data related to the withdrawal reservation set on the Web screen as shown in FIG. That is,
Scheduled withdrawal withdrawal date data indicating the expiration date of the withdrawal,
Deposit withdrawal limit data that sets the maximum amount of deposits that can be withdrawn within the above time limit, balance after withdrawal for withdrawal to limit withdrawal if the remaining balance of the deposit is less than the set amount when withdrawing the deposit within the above time limit And data of a withdrawal scheduler indicating the name of the withdrawal scheduler.

Further, the withdrawal OK flag is set in the Web
When the reservation data is set from the drawer terminal 60 on the screen, the contents of the reservation data are stored in the bank management data file 43B.
The e-mail is sent to the personal e-mail address (asset sharer terminal 70) of the account managed by (1), and the withdrawal approval result from the asset sharer terminal 70 is stored. Thus, when the drawer attempts to withdraw a deposit at the CD terminal 10, the approval OK / NG can be immediately determined without inquiring the sharer of the account at that time as in the first embodiment. become.

In other words, according to the second embodiment, when the withdrawal of the deposit is determined, the consent to withdraw the deposit is made in advance, so that the speed of the actual withdrawal operation can be increased.

Further, since the withdrawal limit can be set, wasteful use can be prevented.

Further, since the deposit balance can be designated, when the utility bill etc. is automatically deducted, there is no fear that the balance becomes insufficient at the time of the automatic debit.

[Third Embodiment] Next, a third embodiment of the present invention will be described.
An embodiment will be described.

FIG. 9B is a diagram showing a configuration of a caching system to which a third embodiment of the behavior approval apparatus according to the present invention is applied.

That is, a plurality of caching terminals 80 (only one is shown as a representative in the figure) arranged in the head office or the like of the caching company are connected to a dedicated line such as a WAN or LAN in the third embodiment. It is connected to a caching server 90 provided in the head office of a caching company, for example, as a behavior approval device according to the embodiment. The caching server 90 is connected to the communication company server 4 via the network 30 such as the Internet, as in the first embodiment.
Connected to 0.

That is, in the third embodiment, when caching is performed, a guarantor is registered in advance, and the guarantor performs the caching by the mobile phone 50 in the same manner as in the first embodiment. Only when permitted, cash can be withdrawn from the cashing terminal 80.

In this case, the borrowed amount becomes a joint debt between the debt requester and the guarantor. Accordingly, if the debtor becomes unable to repay, the guarantor will repay the debt. The guarantor shall be able to view the debtor's assets and debts at any time.

Although the present invention has been described based on the embodiments, the present invention is not limited to the above-described embodiments, and various modifications and applications are possible within the scope of the present invention. Of course.

For example, the present invention can be similarly applied to a case where a gold bullion, a precious metal, a security, or the like stored in a safe deposit box or the like is taken out from a safe deposit box or the like without being limited to a deposit.

In addition, when the child does shopping (especially), the parent can be approved. In this case, the parent is authorized when purchasing an expensive item. You can also.

Further, when a child uses a long-distance train, an airplane, a cruise ship, or the like, the parent can obtain approval.

The present invention can also be applied to a usage method in which family members are approved when shopping by card payment.

Furthermore, when shopping with credits, approval may be obtained from the family.

[0108]

According to the present invention, when a certain action is taken, a predetermined third party is approved through a network, and if the approval permission is obtained from the third party, the action start is permitted. Thus, a predetermined third party can approve a predetermined action such as withdrawal of a deposit.

[Brief description of the drawings]

FIG. 1A is a diagram showing a configuration of a system to which a first embodiment of an action approval device according to the present invention is applied;
(B) is a schematic diagram summarizing the operation of the first embodiment.

2A is a diagram showing a configuration of a computer functioning as a CD terminal, FIG. 2B is a diagram showing a configuration of a computer functioning as a bank server, and FIG. 2C is a diagram showing a configuration of a computer functioning as a communication company server; FIG.
FIG. 3D is a diagram illustrating a configuration of a computer functioning as a mobile phone.

FIG. 3A is a diagram illustrating a storage configuration of a RAM of a CD terminal, FIG. 3B is a diagram illustrating a storage configuration of a RAM of a bank server,
(C) is a diagram showing the contents of the account management file, (D) is a diagram showing the storage configuration of the RAM of the communication company server, (E) is a diagram showing the contents of the bank management data file, (F) is a mobile phone FIG. 3 is a diagram showing a storage configuration of a RAM of the telephone.

FIG. 4 is a diagram showing a flowchart for explaining a program for causing a computer constituting a CD terminal to realize each function in the first embodiment.

FIG. 5 is a diagram illustrating a flowchart for describing a program for causing a computer constituting the bank server to realize each function according to the first embodiment.

FIG. 6 is a diagram illustrating a flowchart for describing a program for causing a computer constituting a communication company server to realize each function according to the first embodiment.

FIG. 7 is a diagram illustrating a flowchart for describing a program for causing a computer constituting the mobile phone according to the first embodiment to realize each function.

FIG. 8A is a diagram showing a configuration of a system to which a behavior approval device according to a second embodiment of the present invention is applied;
(B) is a figure which shows the storage content of a withdrawal reservation DB.

FIG. 9A is a diagram illustrating a withdrawal reservation Web screen according to the second embodiment, and FIG. 9B is a diagram illustrating a caching of the behavior approval apparatus according to the third embodiment of the present invention. FIG. 1 is a diagram illustrating a configuration of a system.

[Explanation of symbols]

 10 cache dispenser (CD) terminal 11, 21, 41, 51 CPU 12, 52 input device 13, 53 display device 14 printing device 15, 22, 42, 54 storage device 16, 23, 43, 55 RAM 16A decoding data memory 16B Predetermined amount memory 17, 24, 44, 56 Transmission control unit 18, 25, 46, 58 Recording medium 20 Bank server 23A Account management file 23B Encrypted data memory 23C Bank name data memory 30 Network 40 Communication company server 43A Communication company mail Address memory 43B Bank management data file 45,57 Communication device 47 Withdrawal reservation database (DB) 50 Mobile phone 55A Mail storage unit 55B Withdrawal OK mail creation document data memory 55C Withdrawal NG mail creation document data memory 55D Fingerprint data 60 drawer's terminal 70 asset sharing terminal 80 Caching terminal 90 caching servers

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) // G07D 9/00 461 G07D 9/00 461Z

Claims (8)

[Claims] 1. An input means for receiving an instruction to start a predetermined action, and when receiving an instruction to start the predetermined action by the input means,
A communication unit that notifies the terminal of a predetermined third party via a network that the predetermined action is started, and obtains approval from the terminal by the third party via the network, If the approval received from the terminal of the third party via the network is an approval permitting the start of the predetermined action, the predetermined action is started, and the approval permits the start of the predetermined action. And a behavior control unit that does not start the predetermined behavior if the approval is not granted. 2. The communication device according to claim 2, wherein the predetermined action is an action of withdrawing the asset from the storage device, and the communication unit notifies the predetermined third party via the network that the drawer withdraws the asset. Is notified to the terminal of another co-owner who is, and the approval of whether or not to withdraw the asset is obtained, and the behavior control means receives the withdrawal approval from the other co-owner through the network. The behavior approval apparatus according to claim 1, wherein if the permission is obtained, the asset is started to be withdrawn, and if the approval does not permit the withdrawal, the asset is not withdrawn. . 3. The storage device according to claim 2, wherein the storage device is a cash dispenser for withdrawing a deposit.
An action approval device according to item 1. 4. The action approval device according to claim 2, wherein the terminal of the other co-owner is a mobile terminal. 5. The communication device according to claim 2, wherein the communication device notifies the terminal of the other co-owner by sending an e-mail to the terminal of the other co-owner. Behavior approval device. 6. The communication device receives an approval from the terminal of the other co-owner as an e-mail, and the behavior control unit obtains the withdrawal approval permission based on the content of the e-mail. The action approval device according to claim 2, wherein it is determined whether or not the action has been completed. 7. By declaring the start of a predetermined action, a start of the predetermined action is notified to a predetermined third-party terminal via a network, and the third terminal is notified from the terminal via the network. If the approval by the third party is an approval permitting the start of the predetermined action, the start of the predetermined action is performed, and the approval permits the start of the predetermined action. If the approval is not granted, the predetermined action is not started. 8. Upon receiving a declaration of the start of a predetermined action, the computer notifies a predetermined third party terminal via a network of the start of the predetermined action via a network. A function of obtaining the approval by the third party, and if the approval by the third party is an approval permitting the start of the predetermined action, perform the start of the predetermined action; A function that does not start the predetermined action if the approval does not permit the start, and a program for realizing: