JP2002279190A - Financial institution system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial institution system allowing a customer to easily make settings for the designation of a notification day for the customer, a period of time during which the sum of money to be automatically transferred should be deposited, and requirements as to whether or not the customer is notified of automatic transfers. SOLUTION: The customer's account balance data and the data on the sum of money to be automatically transferred during the period designated by the customer are edited as e-mail for transmission to the customer's e-mail address on the date designated by the user every month, so this system has the effect of enhancing convenience by allowing the customer to easily check the current balance to determine if funds are sufficient for future automatic transfers and also determine how much money should be deposited as well as the deadline of the depositing.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial system comprising a host computer connected to a network and capable of communicating using communication means such as e-mail via the network, and a plurality of customer terminals connected to the network. Regarding institutional systems.

[0002]

2. Description of the Related Art Conventionally, for example, Japanese Unexamined Patent Application Publication No.
As disclosed in the Financial Institution System,
In a financial institution system having a host computer that has customer information storing transaction information of the customer's account and executes a predetermined amount of money from the account, the host computer is debited from the customer's account. The scheduled debit amount is obtained in advance as debit information, the debit information is stored in the storage device of the host computer, and a contact code indicating the contact information of the customer is stored in the customer information stored in the storage device. Add in advance, search for debit information, create a list of customers to be debited and their expected debit amounts, search for customer information based on the list, and check the account balance and expected debit amount of that customer, contact It has been proposed to notify the customer by sending in accordance with the password.

[0003]

However, in the above-mentioned financial institution system, it is not possible to freely set the date for notifying the customer and the period for which the automatic debit amount is to be paid. In addition, there is no means for allowing the customer to easily make these settings. Depending on the customer, it may be sufficient to be notified only on a particular day of each month, or you may want to know the amount of the automatic debit that is expected to be paid for a specific period of the month. Was.

The present invention has been made in view of the above circumstances, and specifies a notification date to a customer, sets a target period of a scheduled automatic debit amount, and sets conditions for notifying.
It is an object of the present invention to provide a financial institution system that can be easily performed by a customer.

[0005]

According to the present invention, there is provided a host computer which is connected to a network and is capable of communicating using communication means such as e-mail via the network, and a plurality of customer terminals connected to the network. In such a financial institution system, the host computer stores the transaction data of the latest transaction and a certain amount of past transaction data traced back from the latest transaction for each customer account, and automatically stores the transaction data within a certain period scheduled in the future. Transaction data for debit
Data storing means for storing data of the customer and electronic mail address storing means for storing the electronic mail address of the customer, and the balance data of the account of the customer and the data designated by the customer on the day designated by the customer every month. The automatic debit amount data during the period is edited as electronic mail and transmitted to the customer's electronic mail address.

[0006] The host computer edits the balance data of the customer's account and the data of the amount to be automatically debited within a period designated by the customer as an electronic mail, and sends the electronic mail address of the customer. , A plurality of designated days each month can be set.

The host computer edits the balance data of the customer's account and the data of the amount to be automatically debited within a period designated by the customer as an electronic mail, and sends the electronic mail address of the customer. When a plurality of designated days are set for each month, a designated period for which the automatic debit amount is to be set can be set for each of the plurality of designated dates.

Further, the host computer compares the balance amount of the customer's account with the scheduled automatic debit amount within the designated period on the day designated by the customer every month, and only when the balance amount is smaller, does the data Is edited as an e-mail and transmitted to the e-mail address of the customer.

[0009] The host computer also allows the customer to check the contents of the e-mail from the financial institution and then change the setting on the designated day of the month to be notified from the terminal that has performed the check as it is. When the account balance data and the automatic debit amount data are edited as e-mails, the data is edited by adding ancillary data for changing the designated date setting.

Further, the host computer enables a customer to confirm the contents of the e-mail from the financial institution and, after confirming the contents of the e-mail as it is, to change the setting for a designated period for which the scheduled amount is to be automatically debited. When editing the account balance data and the automatic debit amount data of a customer as an electronic mail, the data is attached to the target designated period and the attached data for changing the setting is edited. It is.

[0011] The host computer can change the setting for the increase or decrease of the designated day of each month to be notified from a terminal which has confirmed the contents of the e-mail from the financial institution after the customer has confirmed the contents. When the customer's account balance data and the automatic debit amount data are edited as an e-mail, the data is added and added to the designated date to increase or decrease the specified date. is there.

[0012] The host computer may change the setting of the designated condition as to whether or not the financial institution should execute the notification from the terminal where the customer confirms the contents of the e-mail from the financial institution after confirming the content. When editing the account balance data and the automatic debit amount data as an e-mail, the attached data for changing the notification designation condition setting is edited. It was made.

[0013]

BRIEF DESCRIPTION OF THE DRAWINGS FIG.
An embodiment of the present invention will be described in detail.

FIG. 1 shows an example of the configuration of a financial institution system according to an embodiment of the present invention.

In FIG. 1, a host computer 1 comprises:
A host computer of a bank or other financial institution, which is connected to a plurality of branch systems (not shown) and a plurality of automatic transaction devices, and executes various transactions of the financial institution.

The host computer 1 has a customer data file 2 for managing transaction data for each account of the customer by using the customer data file 2. In addition to a certain amount of past transaction data which is traced back to the transaction data in the above, transaction data for automatic withdrawal within a predetermined period expected in the future are also stored.
In addition, the e-mail address of the customer and the e-mail specified by the customer
Also, the designated period of the scheduled automatic debit amount corresponding to the specified date and the date of transmission of the file is stored. Also, the conditions for the notification set by the customer are stored.

The electronic mail editing unit 3 edits the account balance data of the customer and the scheduled debit amount data within the period designated by the customer as electronic mail. Also, from the terminal where the customer confirms the contents of the e-mail from the financial institution after confirming the contents of the e-mail, the designated date of notification and the period for the scheduled amount of automatic debit can be set.
E-mail editing is performed by adding attached data for changing various settings.

The terminal 4 is composed of, for example, a personal computer or a work station, and a customer can use an electronic mail with the terminal 4. The terminal 4 is connected to the host computer 1 via the public network 5 to receive the distribution of the e-mail, and to set the designated date for the notification and the period for the scheduled automatic debit amount to the host computer. It can be carried out. The terminal 4 is connected to a LAN or W
It may be connected to the public network 5 via an AN or the like.

With the above-mentioned configuration, the customer data file 2 is notified in advance of the account balance and the scheduled automatic debit amount, the designated date set by the customer and the target period of the scheduled automatic debit amount corresponding to the designated date. Conditions and the like are stored.

The host computer 1 extracts from the customer data file 2 the customers whose today is the designated date of notification, and automatically debits all transaction data corresponding to each customer within a specified period in the future. Search for the transaction data that has been entered. From the retrieved data, select the automatic debit amount data and the current balance data within the period designated by the customer,
It is sent to the electronic mail editing unit 3.

On the other hand, for a customer set to notify only when the account balance is smaller than the scheduled automatic debit amount within the designated period, the account balance amount is compared with the scheduled automatic debit amount within the designated period, and the balance is calculated. Only when the amount of money is smaller, the automatic debit scheduled amount data and the account balance data are sent to the electronic mail editing unit 3.

The electronic mail editing section 3 edits and prepares an electronic mail in which the account balance of the customer and the scheduled amount to be automatically debited within the period designated by the customer are described. At that time, in order for the customer to easily change the designated notification date etc. on the terminal,
Edit and create an e-mail with attached data for changing various settings. After editing and creating the e-mail, the e-mail is sent to the customer's e-mail address.

FIG. 2 shows an example of a screen when a customer who has received an e-mail from a financial institution opens the e-mail on the terminal.

This is because the customer's setting is to set the notification designated date to 20
This is an example in which the target period of the day and the scheduled automatic debit amount is specified from the 21st to the last day. Also, the notification specified date is
It is possible to specify not only one day each month, but also multiple days. On the screen of FIG. 2, the "change of designated contents" portion is a portion to which data is attached for changing various settings.

If the customer wants to change the settings,
Click on the "Change specified contents" part. When clicked, a setting change item selection screen shown in FIG. 3 is displayed. When the customer selects the desired setting,
The setting change input screen for each item is displayed. When the customer performs an input operation from the terminal 4 in accordance with the screen, the setting change content is sent to the host computer 1 and stored in the customer data file 2.

FIG. 4 shows an example of the processing of the host computer 1.

First, a customer whose date is the notification designated date is extracted (process 101), and the customer data file 2 is referred to for the customer, and the transaction data of the customer and the data to be automatically debited in the future are retrieved. (Process 102).

Then, it is checked whether the notification is set only when the balance amount is smaller than the automatic withdrawal amount (decision 103). When the result of the judgment 103 is YES, the balance amount is smaller than the automatic withdrawal amount. It is checked whether it is (decision 104).

If the result of the determination 104 is YES, the automatic debit scheduled amount data and the account balance data are edited as an electronic mail (process 105), and the electronic mail is accompanied by data for changing various settings. (Data 10)
6) The created e-mail is transmitted to the e-mail address corresponding to the customer (processing 107), and this processing ends.

When the result of the determination 104 is NO, the processing 105 to 107 is not performed.

On the other hand, when the result of the judgment 103 is NO, the processing shifts to step 105, where the subsequent processing is executed.

FIG. 5 shows a processing procedure of the terminal 4 when the customer changes the setting.

First, when an e-mail is received from a financial institution (the result of the judgment 201 is YES), the contents of the e-mail are displayed (process 202), and the user instructs to change the set contents. Is checked (determination 20).
3).

When the result of the judgment 203 is YES, the above-mentioned "change of designated contents" screen is displayed on the screen (process 204), and the operation input of the screen is continued until the user finishes the input. Perform (Process 205, Judgment 20)
6 NO loop).

When the input by the user is completed and the result of determination 206 is YES, an e-mail notifying the contents of the setting change is created, and the e-mail is sent to the host computer 1.
(Step 207).

When the result of the judgment 203 is NO, this processing ends.

[0037]

As described above, according to the present invention,
Every month on the day specified by the customer, the customer's account balance data and the scheduled debit amount data within the period specified by the customer are edited as an e-mail, and the edited data is sent to the e-mail address of the customer. Since the transmission is made, the customer can easily determine whether there will be a shortage of funds in the future automatic debit with respect to the current balance, how much deposit should be made by when, etc., and obtain the effect of improving convenience. . In addition, it is possible to suppress the occurrence of inability to withdraw due to a shortage of the balance and to reduce the operating costs of the financial institution and the withdrawal source.

Further, when the customer's account balance data and the scheduled debit amount data within the period designated by the customer are edited as electronic mail and transmitted to the customer's electronic mail address. You can set multiple designated dates each month, so customers can easily and finely determine whether there will be a shortage of funds in the future automatic debit for the current balance, how much deposit should be made by when, etc. This makes it possible to cope with a case where payment is made a plurality of times a month, thereby improving the convenience. In addition, it is possible to suppress the occurrence of inability to withdraw due to a shortage of the balance and to reduce the operating costs of the financial institution and the withdrawal source.

Further, when the customer's account balance data and the scheduled debit amount data within the period designated by the customer are edited as electronic mail and transmitted to the customer's electronic mail address, If multiple designated dates are set for each month, the designated period for which the automatic debit amount is to be set can be set for each of the multiple designated notification dates. It is possible to easily and finely determine whether there is a shortage of funds and by what time deposits should be made, etc., and it is possible to respond to cases where deposits are made multiple times a month, improving convenience Also get. In addition, it is possible to suppress the occurrence of inability to withdraw due to a shortage of the balance and to reduce the operating costs of the financial institution and the withdrawal source.

Further, on each day designated by the customer every month, the balance amount of the customer's account is compared with the scheduled automatic debit amount within the designated period. Only when the balance amount is smaller, the data is sent by e-mail. And send it to the customer's e-mail address, so that the customer can recognize that there will be a shortage of funds in the future automatic debit for the current balance, and how many deposits should be made by when Can be easily and finely determined, thereby improving the convenience. In addition, it is possible to suppress the occurrence of inability to withdraw due to a shortage of the balance and to reduce the operating costs of the financial institution and the withdrawal source.

Also, after checking the contents of the e-mail from the financial institution, the customer can check the contents of the e-mail from the terminal and change the setting on the designated date of each month to be notified so that the account balance data can be changed. When editing the data and the scheduled debit amount data as an e-mail, the attached data for changing the designated date setting is added and the editing is performed, so that the customer goes to the financial institution or contacts the financial institution. The notification designated date can be easily changed from the terminal without using the terminal, and the effect that convenience is improved is also obtained.

Also, the client can check the contents of the e-mail from the financial institution and then change the setting for the designated period for which the automatic debit amount is to be set, from the terminal that has just checked the contents of the e-mail from the financial institution. When editing the data and the scheduled debit amount data as an e-mail, the data is added with the attached data for changing the setting of the target designated period, so that the customer may go to a financial institution. It is possible to easily change the designated period for the scheduled debit amount from the terminal without contacting,
The effect that convenience is improved is also obtained.

Also, after the customer confirms the contents of the e-mail from the financial institution, the terminal confirming the contents of the e-mail as it is can change the setting of the customer's account balance data so as to increase or decrease the designated day of the month to be notified. -When compiling the data and the scheduled debit amount data as an e-mail, the data is added and added to the designated date, so that the customer can go to or contact the financial institution. It is possible to easily increase or decrease the notification designated date from the terminal without having to do so, and the effect of improving convenience is also obtained.

Also, after confirming the contents of the e-mail from the financial institution, the customer can change the setting of the designated condition as to whether or not the financial institution should carry out the notification from the terminal which has confirmed the contents as it is. When editing the account balance data and the scheduled debit amount data as an email,
Since the editing is performed by adding the attached data for changing the notification designation condition setting, the customer changes the designation condition of whether or not to easily notify from the terminal without visiting or contacting the financial institution. It is possible to obtain the effect of improving convenience.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an example of the configuration of a financial institution system according to one embodiment of the present invention.

FIG. 2 is a schematic diagram showing an example of a screen when a customer who has received an e-mail from a financial institution opens the e-mail on the terminal.

FIG. 3 is a schematic diagram showing an example of a setting change item selection screen.

FIG. 4 is a flowchart illustrating an example of processing of the host computer 1;

FIG. 5 is a flowchart showing an example of a processing procedure of the terminal 4 when a customer changes a setting.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Host computer 2 Customer data file 3 E-mail editing part 4 Terminal

Claims (8)

[Claims] 1. A financial institution system comprising: a host computer connected to a network and capable of communicating using communication means such as e-mail via the network; and a plurality of customer terminals connected to the network. The computer stores, for each customer account, transaction data of the latest transaction and a certain amount of past transaction data traced back from the transaction, and also stores transaction data for automatic debit within a certain period scheduled in the future. A storage means for storing the stored data and an e-mail address storage means for storing the e-mail address of the customer, wherein the balance data of the customer's account and the time period specified by the customer are stored on the day designated by the customer every month. A financial machine which edits an automatic debit scheduled amount data as an electronic mail and transmits it to a customer's electronic mail address. System. 2. The host computer edits the balance data of the customer's account and the data of the amount to be automatically debited within a period designated by the customer as an electronic mail, and sends the electronic mail address of the customer. 2. The financial institution system according to claim 1, wherein a plurality of designated dates can be set each month when transmitting to the financial institution. 3. The host computer edits the balance data of the customer's account and the data of the scheduled amount to be automatically debited within a period designated by the customer as an electronic mail, and sends the electronic mail address of the customer. 3. When transmitting a plurality of designated days each month, a designated period for which an automatic withdrawal amount is to be set can be set for each of a plurality of designated designated dates. Financial institution system. 4. The host computer compares the balance amount of the customer's account with the scheduled amount to be automatically debited within a specified period on the day designated by the customer every month. 4. The financial institution system according to claim 1, wherein the electronic mail is edited as an e-mail and transmitted to an e-mail address of the customer. 5. The host computer according to claim 1, wherein the terminal computer confirms the contents of the e-mail from the financial institution, and changes the setting on the designated day of the month to be notified from the terminal. 2. The method according to claim 1, wherein, when the account balance data and the scheduled debit amount data are edited as an e-mail, the data is attached to the designated date and the attached data is changed. The financial institution system described. 6. The host computer enables a customer to confirm the contents of an e-mail from a financial institution, and then change the setting of a designated period for which the scheduled amount is to be automatically deducted from a terminal to which the confirmation has been carried out. When the customer's account balance data and the automatic debit amount data are edited as electronic mail, the data is edited by adding ancillary data for changing the target designated period setting. The financial institution system according to claim 1, wherein 7. The host computer according to claim 1, wherein the client can confirm the contents of the e-mail from the financial institution, and can change the setting of the designated day of the month to be notified from the terminal, which has performed the confirmation as it is. When the customer's account balance data and the automatic debit amount data are edited as e-mails, the data is edited by adding ancillary data for increasing / decreasing the specified date. The financial institution system according to claim 2. 8. The host computer may change a setting of a designated condition as to whether or not the financial institution should execute a notification from a terminal in which the customer confirms the content of the e-mail from the financial institution after confirming the content. In order to be able to do so, the customer's account balance data and the scheduled debit amount data are sent by e-mail.
5. The method according to claim 4, wherein, when editing as a file, the editing is performed by adding ancillary data for changing the notification designation condition setting.
The financial institution system described.