JP2002342583A - Transaction detail management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to not only confirm transaction details without visiting a financial institution, but also easily manage information regarding respective items of the transaction details by optionally extracting and putting the information together and further totally manage transactions of a plurality of financial institutions. SOLUTION: A system has a storage means which stores the transaction details of the financial institution user, a communication means which communicates the host device of the financial institution and also communicates with a user terminal through the Internet 13, a transaction detail managing means which accesses the host device to update and manage the transaction details, and an editing means which edits the transaction details so that they are displayed on the display screen of the user terminal in format complying with a request from the user terminal.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction statement management system and a transaction statement management program.

[0002]

2. Description of the Related Art Conventionally, in financial institutions such as banks, shinkin banks and post offices, when a user applies for a new transaction to a financial institution, an account is opened and a passbook is issued. And
Each time a user performs a transaction such as transfer, transfer, deposit, withdrawal, or the like, the user records the transaction history as a transaction statement in a passbook and can confirm the contents.

[0003] In recent years, non-passbook transactions, which are transactions using cards such as cash cards without registering in the passbook, have been increasing. In addition, complicated transactions such as account transfer, transfer, and automatic debit are increasing. For this reason, the user cannot confirm all the transaction details from the contents of the passbook at hand, and periodically goes to a financial institution to request a passbook entry at a counter or to perform a passbook entry process at an ATM. By doing so, the latest transaction details are recorded in the passbook in chronological order (date order), and the contents of the transaction details are confirmed.

Further, in recent years, in many cases, users open accounts at a plurality of financial institutions instead of a single financial institution, and conduct transactions. In this case, as described above, each passbook is used as described above. And manage transaction details.

[0005]

However, in the above-described conventional system, it is necessary to go to a financial institution and perform passbook entry processing in order to confirm the latest transaction details. For this reason, it takes time and effort to confirm the transaction details, and it takes time and transportation expenses to go to a financial institution.

[0006] Further, since the transaction details are recorded in the passbook in chronological order in the order of occurrence of the transaction, when confirming a specific item of the transaction description, the user can obtain the transaction amount or the like for the item from the transaction description. Each must be extracted and tabulated. Accordingly, the user must manually perform the totalization of the transaction amount and the reconciliation, which is the collation with the prospectively managed transaction, which is separately managed, which is troublesome.

[0007] Further, when conducting transactions with a plurality of financial institutions, it is necessary to go to each financial institution and perform passbook entry processing in order to confirm the latest transaction details.
Therefore, it takes more time, time, transportation expenses, and the like to confirm the transaction details than in the case of one financial institution.

[0008] Further, since the transaction details are recorded for each passbook, the transaction details cannot be comprehensively managed by combining transaction information of a plurality of financial institutions. In the case of credit withdrawal or loan repayment, the result of withdrawal can be confirmed on the transaction statement, but detailed information cannot be confirmed because of individual management.

The present invention solves the above-mentioned conventional problems,
The user can not only check the transaction statement without going to the financial institution, but also can easily manage the information on each item of the transaction statement by arbitrarily extracting and collecting the information. It is an object of the present invention to provide a transaction statement management system capable of integrally managing transactions in a financial institution.

[0010]

For this purpose, in the transaction statement management system of the present invention, the storage means for storing the transaction statement of the financial institution user, and communicating with the host device of the financial institution, and via the Internet. Communication means for communicating with the user terminal, transaction statement management means for accessing the host device to update and manage the transaction statement, and the user terminal in a form corresponding to a request from the user terminal. And an editing means for editing the transaction statement so as to be displayed on the display screen.

[0011] In another transaction statement management system according to the present invention, the editing means further edits the transaction statement so that only application items corresponding to the selection from the user terminal are displayed on the display screen. I do.

[0012] In still another transaction statement management system of the present invention, the editing means edits a graph.

[0013] In still another transaction statement management system according to the present invention, the transaction statement management means accesses the host device in real time, periodically, or each time a request from the user terminal is issued. To update the transaction statement.

[0014] In still another transaction statement management system of the present invention, the applicable items are registered in advance.

[0015] In still another transaction statement management system of the present invention, the name of the applicable item is changed in response to a request transmitted from the user terminal.

In still another transaction statement management system according to the present invention, the transaction statement management means manages the applicable items in groups.

In still another transaction statement management system according to the present invention, the editing means edits the transaction statement so that a memo entry field is displayed, and the transaction statement management means edits the memo. Search target.

[0018] In still another transaction statement management system according to the present invention, the editing means edits the memo so that a part of the memo is displayed with decoration.

[0019] In still another transaction statement management system of the present invention, the memo is a target, and the transaction statement management means manages the transaction statement in accordance with the target.

In still another transaction statement management system according to the present invention, the transaction statement management means sets a target amount, a use guard, a cumulative calculation, or a cumulative start date.

In still another transaction statement management system according to the present invention, the editing means edits the transaction statement so that a mark entry field is displayed, and the transaction statement management means edits the mark. Search target.

[0022] In still another transaction statement management system of the present invention, the editing means causes a button for the request to be displayed on the display screen.

In still another transaction statement management system according to the present invention, the communication means communicates with a host device of a plurality of financial institutions, and the transaction statement management means updates transaction statements of the plurality of financial institutions. And manage.

[0024] In still another transaction statement management system according to the present invention, the editing means may further display the transaction statements of the plurality of financial institutions on the display screen in a mixed manner.

[0025] In still another transaction statement management system according to the present invention, the transaction statement management means manages the transaction statement in response to a report from the user terminal, and the communication means further comprises: Is transmitted to a higher-level device of a plurality of financial institutions.

In the transaction statement management program of the present invention, a computer for managing the transaction statement communicates with a storage means for storing the transaction statement of the user of the financial institution and with a higher-level device of the financial institution, and via the Internet. Communication means for communicating with a user terminal, transaction statement management means for accessing the higher-level device to update and manage the transaction statement, and the user terminal in a form corresponding to a request from the user terminal Function as an editing means for editing the transaction statement so as to be displayed on the display screen.

[0027] In another transaction statement management program according to the present invention, the editing means edits the transaction statement so that only application items corresponding to the selection from the user terminal are displayed on the display screen. I do.

In still another transaction statement management program of the present invention, the editing means edits a graph.

In another transaction statement management program according to the present invention, further, the transaction statement management means accesses the host device in real time, periodically, or upon each request from the user terminal. To update the transaction statement.

In still another transaction statement management program of the present invention, the applicable items are registered in advance.

In still another transaction statement management program according to the present invention, the name of the applicable item is changed in response to a request transmitted from the user terminal.

In still another transaction statement management program of the present invention, the transaction statement management means manages the applicable items in groups.

[0033] In still another transaction statement management program according to the present invention, the editing means edits the transaction statement so that a memo entry field is displayed, and the transaction statement management means edits the memo. Search target.

In still another transaction statement management program according to the present invention, the editing means edits the memo so that a part of the memo is displayed with decoration.

In still another transaction statement management program according to the present invention, the memo is a target, and the transaction statement management means manages the transaction statement according to the target.

In still another transaction statement management program according to the present invention, the transaction statement management means sets a target amount, a use guard, a cumulative calculation, or a cumulative start date.

[0037] In still another transaction statement management program according to the present invention, the editing means edits the transaction statement so that a mark entry field is displayed, and the transaction statement management means edits the mark. Search target.

[0038] In still another transaction statement management program of the present invention, the editing means causes a button for the request to be displayed on the display screen.

According to still another transaction statement management program of the present invention, the communication means communicates with a host device of a plurality of financial institutions, and the transaction statement management means updates transaction statements of the plurality of financial institutions. And manage.

[0040] In still another transaction statement management program according to the present invention, the editing means causes the transaction statements of the plurality of financial institutions to be mixed and displayed on the display screen.

[0041] In still another transaction statement management program according to the present invention, the transaction statement management means manages the transaction statements in response to a report from the user terminal,
The communication means transmits the notification to a host device of a plurality of financial institutions.

[0042]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a schematic diagram of a transaction statement management system according to the first embodiment of the present invention, and FIG. 2 is a diagram showing an example of a management file image of a passbook database according to the first embodiment of the present invention. FIG. 3 is a diagram showing an example of an output image of the passbook database according to the first embodiment of the present invention.

In the figure, reference numeral 11 denotes a user environment such as a user's home and office, and 12 denotes an operation means, a storage means, an input means such as a keyboard and a mouse, a CRT, and a liquid crystal provided in the user environment 11. It is an Internet connection terminal as a user terminal including display means such as a display, a communication interface, and the like. The Internet connection terminal 12
Is, for example, a personal computer, a portable terminal, a digital television, a game machine, etc., but may be any. Reference numeral 13 denotes the Internet, 14 denotes a firewall, and 15 denotes a web passbook server as a transaction statement management system. The web passbook server 15
Has a passbook database 15a as storage means. Reference numeral 16 denotes a gateway, and reference numeral 17 denotes a higher-level device of a financial institution having a ledger file 17a.

In recent years, the spread of the Internet to homes, offices, and the like has been remarkable, and an environment has been established in which various types of information can be easily referred to via the Internet.
In the present embodiment, paying attention to this point, a passbook itself is transferred to the Web, that is, the Internet, and a transaction statement management system that handles transaction statements as digital data is provided.

The web passbook server 15 is a web server which includes a computing means, a storage means, a communication interface and the like, is capable of communicating with the Internet 13 and is connected to the host device 17 as a computer. Function as Here, the web passbook server 15 as the transaction statement management system communicates with the passbook database 15a as storage means for storing the transaction statement of the financial institution user, and with the higher-level device 17 of the financial institution and via the Internet 13. Communication means for communicating with the Internet connection terminal 12 as a user terminal, a transaction statement management means for accessing the host device 17 and updating and managing the transaction statement, and responding to a request from the Internet connection terminal 12. Editing means for editing the transaction statement so as to be displayed on the display screen of the Internet connection terminal 12 in the form described above.

The transaction statement management means updates the user's transaction statement stored in the passbook database 15a in real time, periodically, or each time the user accesses the web passbook server 15. Manage. Here, the host device 17 is a computer generally called a host computer provided in a financial institution such as a bank, a credit union, a post office, etc., and controls the transaction in the financial institution in a comprehensive manner. The record is stored in an original file 17a as storage means.

The passbook database 15a of the web passbook server 15 stores account information, authentication information (personal authentication information such as a personal identification number, an iris, a fingerprint, or an electronic signature, etc.) "PIN"
Collectively. )), User information, other setting information, and the like, and are managed in a form associated with the transaction statement as shown in FIG. Then, as shown in FIG. 3, the output is collectively output in various forms and displayed on the display screen of the display means of the Internet connection terminal 12.

Here, the transaction details may not be managed by the web passbook server 15 but may be managed by the ledger file 17a of the host device 17 of the financial institution. In this case, based on the management information managed by the web passbook server 15, the master file 17a of the host device 17 is accessed as necessary, and the transaction statement information stored in the master file 17a is read each time. To get to.

In the present embodiment, an example in which the web passbook server 15 stores and manages transaction details will be described.

The transaction statement is basically displayed for all transaction statement items. However, when it is desired to confirm only a specific item (for example, deposit, debit data, etc.). Therefore, a narrowing-down display in which the summary item is specified can be performed.

Further, by making all or a part of the services provided by the web passbook server 15 in this embodiment (such as various data search and data processing described later) as paid services, the fee income of financial institutions can be enhanced. You can also help. In addition, in the case of a paid service,
At the time of use or at the time of use contract, it is desirable to display a usage fee, a settlement method of the usage fee (debit withdrawal, etc.), a payment timing, and the like.

Next, the operation of the transaction statement management system having the above configuration will be described.

FIG. 4 is a flowchart showing the operation of the transaction statement management system according to the first embodiment of the present invention, and FIG. 5 is an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention. FIG. 6 is a second diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention, and FIG. 7 is a first embodiment of the present invention. FIG. 3 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal in FIG. 8, FIG. 8 is a fourth diagram showing an example of a display screen of the display means of the Internet connection terminal in the first embodiment of the present invention, FIG. 9 is a fifth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention, and FIG. 10 is a display of the Internet connection terminal according to the first embodiment of the present invention. A sixth diagram showing an example of a display screen of the stage.

First, the user connects to the Internet connection terminal 1
2 to connect to the Internet 13 and connect to the web passbook server 15 via the firewall 14.
Then, after connecting to the web passbook server 15, a page as shown in FIG. 5 is displayed as an initial screen, and an account number and a password are input and transmitted. Also,
In the case where the service is handled as a paid service, guidance of the paid service such as a usage fee and a method of settlement of the usage fee is displayed as necessary.

Subsequently, the web passbook server 15 checks the entered account number and password, and if approved, retrieves a transaction statement based on the account number and reads the transaction statement information. If the user is not approved, an error notification is sent to the user, and the process is stopped.

Next, the web passbook server 15 checks the default display format of the transaction details, and confirms whether to display all the transaction details or the designated summary item.
Then, when displaying all the transaction details, extract the items as they are, and when displaying the specified summary items, extract the summary items specified for display (excluding display conditions such as deposit only, withdrawal only, deposit and withdrawal). Then, a transaction statement as shown in FIG. 6 is displayed.

Subsequently, the user checks the transaction details displayed on the screen of the Internet connection terminal 12 in order of date.
Then, various data search and data processing are performed on the displayed transaction details as necessary. Various data searches include search support such as date-specified search, individual item-specific search, and keyword search. Various data processes include transition graph display and percentage graph display as shown in FIGS. Etc. can be displayed.

Further, as shown in FIGS. 9 and 10,
It is also possible to take measures such as changing the specified summary item. Then, an arbitrary summary item (a unique summary name or the like assigned to a transaction statement such as transfer or withdrawal) automatically searches the summary column in the web passbook server 15 and is automatically generated as an option. You can also.

Subsequently, the user prints out the displayed transaction statement or outputs a file in an arbitrary file format (such as CSV format) as necessary, and ends the processing.

In this embodiment, the input screen for the account number and the personal identification number is used as the initial screen. However, the general menu screen is used as the initial screen, and the input screen for the account number and the personal identification number is selected according to the menu to be selected thereafter. It may be made to shift to.

Next, the flowchart will be described. Step S1 Enter the account number and password. Step S2: It is determined whether the user is a valid user.
If the user is a valid user, the process proceeds to step S3. If the user is not a valid user, the process ends. Step S3 Search for a transaction statement. Step S4 Check the default display format. Step S5: It is determined whether or not all the transaction details are displayed in date order. If it is to be displayed, the process proceeds to step S7; otherwise, to step S6. Step S6 Extract the transaction details of the summary item specified for display. Step S7: Display the transaction details. Step S8: It is determined whether there is a display change. If there is a display change and refinement / condition change is performed, step S9
In step S10, the process is ended by performing an end operation when there is no change in display. Step S9: Enter the change condition and return to step S6. Step S10 A graph is displayed, and the process returns to step S7.

Next, the operation in the case where an individual use service is provided for a fee will be described.

FIG. 11 is a flowchart showing another operation of the transaction statement management system according to the first embodiment of the present invention.

In this case, prior to use, fee information and the like of the used service are displayed to confirm the intention of use. If the service is a paid service, the paid service fee used is displayed as necessary after the processing is completed.

The settlement of the fee follows the contract method. The payment method is similar to the fee collection at the time of using ATM of another bank, so that it can be automatically debited from the account each time, monthly debit from the account collectively, monthly For example, it is possible to make a payment in addition to billing for a telephone usage fee or a provider usage fee.

Next, the flowchart will be described. Step S11 Enter an account number and a password. Step S12 Guidance of the paid service is provided. Step S13: It is determined whether the user is a valid user. If the user is a valid user, the process proceeds to step S14,
If the user is not a valid user, the process ends. Step S14 Search for a transaction statement. Step S15 Check the default display format. Step S16: It is determined whether or not all the transaction details are displayed in date order. If so, go to step S18.
If not, the process proceeds to step S17. Step S17: Extract the transaction details of the summary item specified for display. Step S18: Display the transaction details. Step S19: to judge whether there is a display change. If there is a display change and refinement / condition change is performed, step S
In step S21, the process proceeds to step S21 in the case of graphing, and in step S22 when there is no display change. Step S20: Enter the change condition and return to step S17. In step S21, a graph is displayed and displayed in step S18.
Return to Step S22: The fee of the paid service is displayed.

As described above, in this embodiment, the user can check the transaction details without going to the bank of the financial institution, and can save time and transportation expenses by saving the trouble of passbook entry. Can be.

Further, since the item of each transaction statement can be searched, any item can be easily confirmed. Further, since the information of the transaction details can be graphed and confirmed, the transaction status can be grasped as an image, and the contents of the transaction details can be more easily recognized.

Since the narrowed-down display specifying the summary item of the transaction statement can be performed, the efficiency of the operation of confirming the transaction statement can be improved. In addition, since the transaction details information can be read as digital data by outputting a file in a general-purpose format such as the CVS format, the information can be freely processed or applied to other applications (such as data transfer). ). Therefore, the arrangement of the transaction details can be automated.

The financial institution can improve the user service by providing the transaction statement management system service. Since the frequency of passbook entry can be reduced due to the spread of web passbooks, the amount of passbook issuance can be suppressed, and A
It is possible to minimize the mounting of a passbook entry unit of a device such as a TM. Therefore, cost can be reduced.

Further, by providing various data search, data processing, and the like as paid services, it can be used to increase fee income of financial institutions.

Next, a second embodiment of the present invention will be described. The description of the same components and operations as those of the first embodiment will be omitted.

FIG. 12 is a first view showing an example of a display screen of the display means of the Internet connection terminal according to the second embodiment of the present invention, and FIG. 13 is an Internet connection terminal according to the second embodiment of the present invention. FIG. 14 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the second embodiment of the present invention, and FIG. FIG. 14 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the second embodiment of the present invention.

In the first embodiment, when narrowing down by specifying conditions, each time narrowing down is performed, a briefing item to be specified is specified and a narrowing down instruction is issued. It will take.

Therefore, in the present embodiment, a pattern setting menu is added to the display screen of transaction details or various setting screens, and a pattern for specifying conditions can be set and registered as a favorite pattern. It has become. The structure according to the present embodiment is the same as the structure according to the first embodiment, and therefore will be described with reference to FIG.

First, the operation when the pattern is not registered will be described.

In this case, the menu of the pattern setting is selected on the display screen of the transaction details as shown in FIG. 12 or various setting screens. Then, a pattern setting screen as shown in FIG. 13 is displayed. Enter the name of the pattern and specify (select) the target summary item.
And register. Then, after the setting is completed, a transaction statement as shown in FIG. 14 that matches the specified pattern content is displayed.

Next, the operation when the pattern has been registered will be described.

In this case, a narrowing-down display is desired, and when a pattern has already been registered, a menu for specifying conditions is selected on a transaction details display screen as shown in FIG. Next, a condition designation screen as shown in FIG. 15 is displayed, and a menu of a favorite pattern is selected. Subsequently, after the selection is completed, a transaction statement as shown in FIG. 14 that matches the specified pattern content is displayed. If a new pattern is to be newly added and displayed, the menu of the pattern setting is selected, and the same processing as the above-described operation when the pattern is not registered is performed.

When the menu for specifying conditions is selected on the display screen of the transaction details, the condition specification screen is displayed, or the transaction details of the pattern (or the condition for specifying the conditions of the previous use) specified directly as the default display. By setting whether or not to display, the corresponding screen can be displayed.

As described above, in the present embodiment, by registering a pattern for specifying conditions, when narrowing down and displaying transaction details, it is only necessary to select a pattern without specifying each summary item to be displayed. Can be displayed. Also, by setting it as the default display pattern when specifying conditions, you can display the transaction details you want to check without specifying the conditions,
You can check immediately. Therefore, the operation can be simplified.

Further, since the pattern name can be freely set in the registered pattern, the pattern selection can be easily understood and the operability can be improved.

Next, a third embodiment of the present invention will be described. The description of the same components and operations as those of the first and second embodiments will be omitted.

FIG. 16 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention, and FIG. 17 is an Internet connection terminal according to the third embodiment of the present invention. FIG. 18 is a second diagram showing an example of a display screen of the display means of the present invention, FIG. 18 is a third view showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention, and FIG. FIG. 4 is a fourth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention. FIG. 20 is a view showing a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention. FIG. 21 is a fifth diagram showing an example, and FIG. 21 is a sixth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention.

In the summary of the transaction statement of the first and second embodiments, the description content of the summary is unique in the case of withdrawal or transfer (for example, transfer Takanashi Takashi, xx credit, $ finance ($ *) Parking lot), condominium (Kanrich), height okidenki, etc.), which is difficult to understand and may be overlooked when checking the transaction details.

Therefore, in the present embodiment, a menu for setting the summary name is added to the transaction statement display screen or various setting screens, and the regular summary name is replaced with a summary name that can be easily recognized by the user. It can be displayed. Note that the structure in the present embodiment is
Since the structure is the same as that of the first embodiment, description will be made with reference to FIG.

First, a menu of the summary name replacement setting on the display screen of the transaction details as shown in FIG. 16 or various setting screens is selected. Next, a summary name replacement setting screen as shown in FIGS. 17 and 19 is displayed. The user enters a name of the summary that is easily recognizable by the user as a replacement name, and registers the summary item to be replaced. Note that the replacement name can be input manually, or a replacement name that is already used or registered in advance can be displayed and selected using a pull-down menu or the like.

Further, since some of the abstract names have a variable value, the name can be registered in consideration of the variable value. For example, the names of “Jun-July” to “July-December” can be registered as “Jiju ?? Month” or “Ji *”. In addition,? Is any one character, and * is a plurality of characters whose number (digits) is variable.

As a method of setting the replacement name, as shown in FIG. 17, a method of registering on the summary name replacement setting screen, and as shown in FIG. 20, a description item on the displayed transaction statement There is a method of selecting the description name replacement setting menu, and registering the name of the description after replacement. Next, when the setting of the replacement of the abstract name is completed, FIG.
A transaction statement screen as shown in FIG. 8 is displayed. At this time, on the displayed transaction details screen, the summary name after replacement set by the operation as described above is displayed. In addition, as shown in FIG. 21, the abstract name before replacement can be switched and displayed (switched and displayed by pressing a switching button or the like) or displayed side by side near the abstract column.

As described above, in the present embodiment, when the description content of the summary is unique, the transaction details can be displayed by replacing the summary name which can be arbitrarily set by the user. Transaction details as desired by the user can be displayed. Further, when the user confirms the transaction statement, the transaction statement is displayed in a more understandable manner, so that a confirmation error can be eliminated and the convenience of the user can be improved.

Next, a fourth embodiment of the present invention will be described. The description of the same components and operations as those in the first to third embodiments will be omitted.

FIG. 22 is a first diagram showing an example of the transition of the display screen of the display means of the Internet connection terminal according to the fourth embodiment of the present invention, and FIG. 23 is the Internet according to the fourth embodiment of the present invention. FIG. 24 is a second diagram showing an example of transition of the display screen of the display means of the connection terminal, and FIG. 24 is a third diagram showing an example of transition of the display screen of the display means of the Internet connection terminal according to the fourth embodiment of the present invention. FIG. 25 is a fourth diagram showing an example of transition of the display screen of the display means of the Internet connection terminal according to the fourth embodiment of the present invention.
FIG. 15 is a fifth diagram illustrating an example of transition of the display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

In the description of the transaction details of the first to third embodiments, in the case of withdrawal or transfer, the content of the description is unique (for example, electricity, gas, goods, January, etc.). Therefore, it is difficult to narrow down by designating the corresponding summary items. In addition, the number of designated items is required without limit.

Therefore, in the present embodiment, a menu for setting a summary group is added to the display screen of the transaction details or the various setting screens, and the regular summary name belongs to a group having a name that can be easily recognized by the user. Is available.

In this case, a summary group name which is easy for the user to recognize is registered, and when a plurality of regular summary items are assigned and narrowed down, data is extracted based on the setting information of the corresponding group. I have. In addition, the condition specification screen adds the menu of the description item group specification and extracts the transaction details corresponding to the specified group,
A narrowed-down display can be performed.

Further, the replacement name after replacement set in the third embodiment can be a grouping target. For example, if electricity, gas, water, etc. are the public utility group name, property, resident, ? Monthly portion and the like can be designated as the group name of the mortgage, and VISA, JCB and the like can be designated as the group name of the credit. The structure according to the present embodiment is the same as the structure according to the first embodiment, and therefore will be described with reference to FIG.

Next, the operation when the summary group is not registered will be described.

First, when it is desired to group the summary names and to perform a narrowing-down display, as shown in FIG. 22, the display screen of the transaction details or the menu of the summary group setting of various setting screens is selected. Next, a summary group setting screen as shown in FIG. 23 is displayed. Enter the name of the summary group and register the summary items to be entered.
As a setting method, as shown in FIG. 23, a method of registering on a description group setting screen, and as shown in FIG. 24, selecting a description item of a displayed transaction statement and registering a name of the description group There is a way to do it. The name of the summary group can be input by the same operation as the input of the replacement name in the third embodiment.

Next, the operation when the summary group has been registered will be described.

First, when it is desired to narrow down and display the transaction details of the summary belonging to the summary group, a condition specification menu on the transaction detail screen as shown in FIG. 22 is selected.
Next, a condition designation screen as shown in FIG. 25 is displayed. A summary item group is selected, and the name of the summary group already registered as the summary group is selected.
Then, after the selection, the transaction details narrowed down as shown in FIG. 26 for the summary belonging to the specified summary group are displayed.

As described above, in the present embodiment, since the transaction details of the category for which the user wants to confirm the transaction details can be narrowed down by specifying the group name, such as displaying only the utility charges. Operation can be simplified. In addition, the displayed transaction details can be summed up by setting and displayed together.

Therefore, the convenience for the user can be improved.

Further, since the display is narrowed down by group, it is possible to prevent omission of extraction of transaction details due to mistake in specification of conditions.

Next, a fifth embodiment of the present invention will be described. The description of the same components and operations as those in the first to fourth embodiments will be omitted.

FIG. 27 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention, and FIG. 28 is an Internet connection terminal according to the fifth embodiment of the present invention. FIG. 29 is a second diagram showing an example of the display screen of the display means of FIG. 29, FIG. 29 is a third view showing an example of the display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention, and FIG. FIG. 4 is a fourth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention. FIG. 31 is a view showing a display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention. Fifth diagram showing an example, FIG. 32 is a sixth diagram showing an example of a display screen of the display means of the Internet connection terminal in the fifth embodiment of the present invention, and FIG. 33 is a fifth embodiment of the present invention. A in form A seventh diagram showing an example of a display screen of the display means of the Internet connection terminal.

In the management of the transaction details according to the first to fourth embodiments, there is a case where a memo is written in each transaction description and personally managed, but the data of the transaction details is electronically managed. Therefore, a memo cannot be given. Therefore, it is inconvenient to compare it with a memo separately created every time an inquiry is made, or to print out and supplement the memo, and then perform paper-based management.

Therefore, in the present embodiment, a memo can be added to the transaction details managed by the web passbook server 15. The structure according to the present embodiment is the same as the structure according to the first embodiment, and therefore will be described with reference to FIG.

[0109] In this case, a menu for memo entry, memo search, and decoration is added to the transaction details display screen.

Next, the memo information setting operation will be described.

First, on the transaction statement display screen as shown in FIG. 27, a transaction statement for which a memo is to be entered is selected, and a memo entry menu is selected. Next, a memo entry screen as shown in FIG. 28 is displayed, and a memo already used (registered) is selected or a free word is input. Then, after entering, select the registration menu,
Complete registration. Thereby, the transaction details are displayed as shown in FIG.

Next, the operation of the memo information search will be described.

First, a menu for memo search is selected on the display screen of the transaction details as shown in FIG. Next, FIG.
When a memo search condition setting input screen as shown in FIG. 0 is displayed, search conditions are set. Next, a search keyword is set. The search keyword can be manually input or selected from memos already used (registered), and a plurality of search keywords can be set.

Next, search conditions are set. Note that the search condition can be set to select whether the match of the previously input search keyword is wholly or partially matched, and set a selection condition of AND or OR. Then, according to the set conditions,
As shown in FIG. 31, the corresponding transaction details are narrowed down and displayed. It should be noted that the displayed transaction details may be calculated in total according to the setting and displayed together.

Next, the operation of setting the decoration of the transaction details will be described.

First, on the transaction statement display screen as shown in FIG. 27, a description line corresponding to the transaction statement to be decorated is selected, and a decoration menu is selected. Here, 00.0
The case where the line corresponding to the transaction performed in 8.10 (the line located at the top) is selected will be described. Next, a menu button for setting the decoration as shown in FIG. 32 is displayed, so that the character color, font (bold, thin, italic, underlined, etc.) to be displayed, and the character font (Gothic, light) are displayed. The decoration conditions, such as the body, character size, etc., are set. When the registration is completed after the setting is completed, the selected detailed line is displayed in the decoration setting (in this case,
A display as shown in FIG. 33 is performed based on the setting information.

As described above, according to the present embodiment, the user can add a memo to each transaction statement according to an arbitrary setting, or display the transaction description in a font of the description. In addition, the transaction statement can be made easier to understand. Further, since a keyword search can be performed from the attached memo, it is possible to easily cope with a search or narrowing down of any designated item, and the convenience for the user can be further improved.

Next, a sixth embodiment of the present invention will be described. The description of the same components and operations as those of the first to fifth embodiments will be omitted.

FIG. 34 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention, and FIG. 35 is an Internet connection terminal according to the sixth embodiment of the present invention. FIG. 36 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention, and FIG. FIG. 4 is a fourth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention. FIG. 38 is a view showing a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention. FIG. 39 is a fifth diagram showing an example, and FIG. 39 is a sixth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention.

In the fifth embodiment, a memo can be added to each transaction statement, but only the memo can be confirmed. The transaction details to which the memo is attached are often managed with a purpose. For example, funds that must not be reduced, such as deposits for the purpose of travel expenses and vehicle inspection fees, deposits for deposits, advance deposits of credit payments, etc., and memos are often given to clarify them .

Therefore, in the present embodiment, a target can be set in a memo attached to each transaction statement, and a target amount can be set and a total amount can be calculated. Further, a setting is made so that the funds cannot be used for purposes other than the target (such as automatic debit), that is, a use guard can be set.

Further, when a fund transfer affecting the target fund for which a target is set has occurred, the user is notified of the fact, so that the occurrence of trouble for the user can be minimized. I do. The structure according to the present embodiment is the same as the structure according to the first embodiment, and therefore will be described with reference to FIG.

In this case, a notification destination (notification method setting) function for registering a notification destination when a fund transfer affecting the target setting fund occurs on the transaction statement display screen, and a memo list management for managing a memo for setting the target. Add a menu of functions. The target setting is provided with buttons on a memo list display screen, a memo input screen, and the like, so that a new addition or a change can be made.

In the memo list management function, not all memo information is managed but memo names to be used regularly are registered and managed, and the target transaction details to which each memo information is assigned are stored. It also has an extraction function and a display function. In addition, each line of the transaction statement is provided with a button with a target for the target set in the memo column,
Make it possible to clarify the setting.

Next, a first method of setting a target will be described.

First, a transaction details display screen as shown in FIG. 34 is displayed. Then, a detail line to which a memo is to be added is selected, and a memo entry button is pressed. Subsequently, FIG.
A memo entry screen as shown in FIG. 5 is displayed. A memo is selected from the wording candidates already used, or the memo is set manually, and the target setting button is pressed. Note that the word candidates of the memo can be automatically searched for, in addition to the words set in the memo list, the words to which the memo is already attached on the specification, and can be displayed as candidates. Alternatively, the target setting button may be pressed without setting a memo.

Next, a memo target setting screen as shown in FIG. 36 is displayed, and information is set according to the memo target setting screen. If the name input field of the target memo is set on the memo entry screen, the content is automatically displayed. Also, the contents can be changed. When it is changed, the memo attached to the statement is updated at the same time. If not entered, enter the memo text you want to give. It is checked whether the same memo text already exists or not, and if there is a match, the existing setting information is automatically displayed.

Next, a target set amount can be set. If there is no funding target, no entry is required. Next, a usage guard (reserve for protection of the reserve amount) is set. Here, the usage guard is to check all the details to which the set memo text is attached and protect the total amount. Then, as the use guard, a transaction limit (or transaction refusal or the like) that maintains the total amount at the time of automatic debit or user-operated fund transfer, that is, “protect” in the figure can be set. In addition, although there is no transaction restriction, if the corresponding funds are eroded, a notification destination set in advance is notified of the occurrence of the erosion by a predetermined notification method, that is, the “notification in the figure” Yes "can also be set. Further, it is also possible to set that no use guard is performed, that is, “No” in the figure. In addition, although not shown, it is also possible to designate for each use guarding target action such as user operation or automatic debit.

Subsequently, the user sets whether to display the total (total amount) of the transaction details to which the corresponding memo text has been added or not, and sets the desired cumulative start date (for example, only for the current year). Etc.). And
When the registration button is pressed after the setting is completed, a registration process is performed. If “notify” or “protect” is set in the usage guard setting, notification destination information is required. Then, when the notification destination information is set in advance, the screen returns to the transaction statement screen as shown in FIG. When the notification destination information is not set, FIG.
Since the notification destination setting screen as shown in FIG. 9 is automatically displayed, the notification destination information is set. The setting contents are a notification method such as mail, telephone (voice synthesis), FAX, and the like, and notification destination information such as a mail address for mail, and a telephone number for telephone and FAX. Then, after the setting is completed, the screen returns to the transaction statement screen.

Further, the notification destination button can be pressed from the memo information setting screen as shown in FIG. 34 to confirm and change the notification destination information. It should be noted that, on the transaction details screen, a mark for which a target has been set for a memo is provided with a mark (a target button next to the memo corresponds to the target button in the figure) that can be identified on the detail line. Therefore, the user can understand the assignment at a glance.

Next, a second method for setting a target will be described. In this case, the memo information list is displayed, and the target is set while checking other memos.

First, a transaction statement screen as shown in FIG. 34 is displayed. Then, when the memo list button on the transaction detail screen is pressed, a memo list information screen as shown in FIG. 37 is displayed, and the displayed contents are confirmed. To change a word that has already been set, select the corresponding memo information (line) and press the change button.
When adding a new word, the user presses the add button. Then, by pressing the change button or the add button, the screen shifts to a memo target setting screen as shown in FIG. Note that the operation after the memo target setting screen is displayed is the same as the above-described first method of target setting, and thus the description is omitted.

Next, on the memo information list screen as shown in FIG. 37, each memo information (line) is selected, and an object list (search) button is pressed, whereby the corresponding memo text is added. Extract the transaction details and see FIG.
Can be displayed as a list. Although not shown in the present embodiment, display control can be performed by designating a date, a period, and the like.

Next, operations by other operations will be described.

First, if the use guard is breached during the operation of the user of the web passbook, a warning notification is issued on the transaction statement screen, but the processing can be continued by performing the confirmation operation.

When “protect” or “notify” is set in the usage guard setting, and when an event that conflicts with the set usage guard occurs, the user is notified according to the set notification method. Will be notified of the occurrence.

As described above, in the present embodiment, it is possible to clearly distinguish the purposed fund deposit and to set a use guard. In the present embodiment, by setting a target in a memo attached to each transaction statement, setting a target amount, calculating a total amount, and guarding the use of the corresponding fund for purposes other than other purposes (automatic debit). And can respond.

Next, a seventh embodiment of the present invention will be described. The description of the same components and operations as those of the first to sixth embodiments will be omitted.

FIG. 40 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the seventh embodiment of the present invention, and FIG. 41 is an Internet connection terminal according to the seventh embodiment of the present invention. FIG. 42 is a third diagram showing an example of the display screen of the display means of the Internet connection terminal according to the seventh embodiment of the present invention.

In the first to fifth embodiments,
Although it is possible to display the entire transaction statement or to narrow down the display using summary items as keys, it is not possible to select and display an arbitrary transaction statement line. In calculating the balance of households, each transaction statement may be checked each time, and a total may be calculated to make a determination.

Therefore, in the present embodiment, in consideration of these uses, a mark entry column is provided in each line of the transaction statement displayed on the screen, and only the marked transaction entry is displayed in the mark entry field. You can do it.
The structure according to the present embodiment is the same as that of the first embodiment.
Since the structure is the same as that of the first embodiment, description will be made with reference to FIG.

In this case, it is possible to confirm only the marked transaction details, and it is possible to easily confirm the state of the flow of funds in the transaction details. Then, a mark entry column is provided in each line of the transaction statement, and a function of extracting the transaction statement marked in the mark entry field and a function of displaying only the extracted transaction statement are added. In addition, a function of displaying the extracted transaction details in a graph as in the first embodiment can also be used.

Next, the operation of extracting and displaying an arbitrary transaction statement will be described.

First, a transaction details display screen as shown in FIG. 40 is displayed. In addition, a mark entry column is provided in the description line of each transaction description. Then, an arbitrary line of the displayed transaction statement is selected, and when it is desired to display only the selected line, a specific mark is added to the mark entry column. In the figure, groups are identified by inputting numbers.

Next, after the mark is given, when the mark extraction button on the transaction detail screen is pressed, a screen for inputting the mark extraction condition as shown in FIG. 41 is displayed. Enter a mark (for example, the previously entered number, etc.) and specify the date range of the transaction details to be extracted. A plurality of marks can be input, and when a plurality of marks are input, extraction is performed as an OR condition.

Subsequently, when the execution button is pressed after the input of the conditions is completed, the transaction details meeting the conditions are extracted and displayed on the screen as shown in FIG. And
On the displayed screen, the total value of the extracted transaction details such as payments and deposits, and the like are also displayed, so that the user can save time and effort in calculation. When the graph button is pressed on the corresponding screen, as shown in FIG. 8, data graphed on the basis of the displayed transaction details is displayed as in the first embodiment (see FIG. 8). For example, monthly deposit, payment, graph display of the transition of the total, etc.) or file output can be performed.

As described above, in the present embodiment, the operation of selecting the transaction details can be easily performed, so that the convenience for the user can be improved. Further, since the balance account of the transaction statement can be automated, there is no need to check each transaction statement and make a balance account.
Furthermore, a period can be set, and the transition of the total value can be easily grasped. Therefore, it is possible to easily create the planning material for the household budget.

Next, an eighth embodiment of the present invention will be described. The description of the same components and operations as those in the first to seventh embodiments will be omitted.

FIG. 43 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the eighth embodiment of the present invention, and FIG. 44 is an Internet connection terminal according to the eighth embodiment of the present invention. FIG. 45 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the eighth embodiment of the present invention.

In the various settings in the second to sixth embodiments, a button for making each setting is provided on the transaction details screen. However, in this embodiment, a setting menu is provided. By pressing a setting button in the menu, various setting menus are displayed, and the display items can be selected.
In addition, each function does not need to stick to selection by buttons, and the screen layout can be freely changed.

In this case, as shown in FIG. 43, a button is provided on the setting menu of the transaction detail screen, and by pressing the button, various setting menus as shown in FIG. 44 are displayed. Then, when the display item is selected, each setting screen as shown in FIG. 45 is displayed.

As described above, in the present embodiment, a button is provided in the setting menu, and various setting menus are displayed by pressing the button, and the displayed items can be selected. be able to.
Further, menu addition is easy.

Next, a ninth embodiment of the present invention will be described. The description of the same components and operations as those of the first to eighth embodiments will be omitted.

FIG. 46 is a schematic diagram of a transaction statement management system according to the ninth embodiment of the present invention, and FIG. 47 is a diagram showing an example of a management file image of the passbook database according to the ninth embodiment of the present invention. 48 is a first diagram illustrating an example of an output image of a passbook database according to the ninth embodiment of the present invention, and FIG. 49 is a second diagram illustrating an example of an output image of the passbook database according to the ninth embodiment of the present invention. FIG.

In the figure, reference numeral 21 denotes a firewall 1
4, a web passbook management center including a gateway 16 and a web passbook server 25. 26 is an Internet server having a mail database 26a, 31
Is the host device 3 of the financial institution A having the ledger file 31a
Numerals 1 and 32 denote upper-level devices of the G financial institution having the original file 32a, 33 denotes an upper-level device of the N financial institution having the original file 33a, and 34 denotes an upper-level device of the P financial institution having the original file 34a.

The web passbook server 25 includes a computing unit, a storage unit, a communication interface and the like, and is a web server as a computer communicably connected to the Internet 13, and has a passbook database 25a as a storage unit. A total silver database 25b and another database 25c are provided.

The web passbook server 25 is a web server as a computer, and functions as a transaction statement management system. Here, the web passbook server 25 as the transaction statement management system communicates with the passbook database 25a as storage means for storing the transaction statement of the financial institution user, the upper-level devices 31 to 34 of the financial institution, and the Internet 13. Communication means for communicating with the Internet connection terminal 12 as a user terminal via the Internet; a transaction statement management means for accessing the higher-level devices 31 to 34 to update and manage the transaction statements; In the form corresponding to the request of
Editing means for editing the transaction statement so as to be displayed on the display screen of the Internet connection terminal 12.

The passbook database 25a includes:
There is a transaction statement management folder for each user, and the transaction statement management folder stores the user ID and password (Iris,
A personal authentication information such as a fingerprint, or an electronic signature, etc.), a user management information section having user information, management account key information, transaction history, etc., and a plurality of detailed management information sections (account information). Key information (hereinafter referred to as "account number")
That. ), Etc.), and a transaction statement section (the transaction statement itself may be separately managed) paired with the statement management information.

In the detail management information section, account information, authentication information (personal authentication information such as a password, an iris, a fingerprint, or an electronic signature, etc.), Information, other setting information, and the like are held, and are managed in a form associated with the transaction details as shown in FIG. Then, as shown in FIG. 48 and FIG. 49, they are output together in various forms and displayed on the display screen of the display means of the Internet connection terminal 12.

Although the transaction details section is the transaction details itself, in the present embodiment, the management (cooperation) method is handled by three methods. First, in the first method, transaction details are managed in a transaction detail management folder of each user information. In the second method, the management information of the transaction details and the key information for searching (coordination) are managed in the statement management information section, and each transaction statement is stored in a transaction statement storage folder provided for each financial institution. to manage. The management can also be performed using another server such as a server for each financial institution or a dedicated server for transaction statement management. Further, in the third method, the transaction statement management unit manages access destination information of each financial institution and key information for searching (coordinating) the transaction statement, and transmits to each financial institution every time an inquiry is made from a user. Connect, exchange each transaction statement, and respond (manage temporary storage files as needed).

In the first and second methods, the transaction details stored in the passbook database 25a can be read in real time, periodically, or by the user.
Update and manage every time you access. The Zengin database 25b of the web passbook server 25 manages each financial institution name / code and branch name / code information. The total silver database 25b is used when inputting account information. In this embodiment, the service can be provided as a comprehensive passbook service business on the Internet by collecting a management fee / service providing fee from a user or a financial institution.

Next, the operation of the transaction statement management system having the above configuration will be described. Here, the user makes a contract to use the web passbook with the financial institution and the Internet provider 26, and the account information to be managed is registered in the Internet provider 26 in advance, or the user registers via the Internet 13 The explanation is made on the assumption that it is performed.

FIG. 50 is a first flowchart showing the operation of the transaction statement management system according to the ninth embodiment of the present invention, and FIG. 51 shows the operation of the transaction statement management system according to the ninth embodiment of the present invention. A second flowchart,
FIG. 52 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention, and FIG. 53 is a display means of the Internet connection terminal according to the ninth embodiment of the present invention. 2nd showing an example of the display screen of
FIG. 54 is a third view showing an example of a display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention, and FIG. 55 is an Internet connection terminal according to the ninth embodiment of the present invention. It is the 4th figure which shows the example of the display screen of the indicatory expedient.

First, the user connects to the Internet connection terminal 1
2 to connect to the Internet 13 and connect to the web passbook server 25 via the firewall 14.
Then, after connecting to the web passbook server 25, FIG.
Is displayed, a user ID and a password are input and transmitted. In the case where the service is handled as a paid service, guidance of the paid service such as a charge and a settlement method is displayed as necessary.

Subsequently, the web passbook server 25 confirms the input user ID and password, and if the user ID and password can be approved, a financial institution selection screen as shown in FIG. 53 is displayed. At this time, the financial institution registered as a display target is displayed as an option. All or specified financial institutions to be displayed can be selected. If you select the designation, select the target financial institution. Also,
If a password used by each financial institution or a password negotiated for access from a Web passbook is required, the password is also entered here. Note that a password registered in advance may be automatically given. Further, the financial institution to be displayed may be set by default (the initial-displayed financial institution is registered in advance), and the processing may be skipped. If the user is not approved, an error notification is sent to the user, and the process is stopped.

Next, the web passbook server 25 retrieves the transaction details of the designated financial institution based on the account number,
Read transaction details information. Next, the default display format of the transaction statement is confirmed, and whether to display all the transaction statements or the specified summary item is selected. Then, when displaying all the transaction details is selected, all the transaction details are displayed. When the display of the specified summary item is selected, the display-designated summary items are extracted (including the display conditions such as deposit only, withdrawal only, deposit and withdrawal, etc.), and the designated financial institution is extracted. Are merged in chronological order, and a transaction statement as shown in FIG. 54 is displayed. In addition, in the display of the transaction details, there is a method of providing a description column for each financial institution and displaying the financial statements separately (FIG. 55).
A method of displaying the details of each financial institution in the deposit / payment column (FIG. 54) can be selected.

Subsequently, the user checks the transaction details displayed on the screen of the Internet connection terminal 12 in chronological order.
In addition, regarding the displayed transaction statement, if necessary, the transaction statement of the details related to each transaction statement (for example, select the credit withdrawal of the bank statement and press the “Link” button to press the credit transaction statement Is displayed).

Further, various data search and data processing are performed as needed. Various data searches correspond to searches such as date-specified search, individual item-specific search, and keyword-specified search (fuzzy search). Various data processing is illustrated in FIG. 8 in the first embodiment. As described above, it is possible to cope with a graph display such as a transition graph display and a ratio graph display.

Further, it is also possible to change the designated summary item of the narrowed-down display or to change the designated financial institution.
Then, in the operation of changing the specified summary item, the system searches the summary item (unique summary name given to the transaction details such as transfer or withdrawal) column, and is automatically generated and displayed as an option. Operations can be performed by selecting them.

Subsequently, the user prints out the displayed transaction statement or outputs a file in an arbitrary file format (such as CSV format) as necessary, and ends the processing.

Next, the flowchart will be described. Step S31: Enter a user ID and a password. Step S32 It is determined whether or not the user is a valid user. If the user is a valid user, the process proceeds to step S33,
If the user is not a valid user, the process ends. Step S33 Enter (confirm) the financial institution to be searched. Step S34 Search for a transaction statement. Step S35 Check the default display format. Step S36: It is determined whether or not all the transaction details are displayed in chronological order. If so, go to step S38.
If not, the process proceeds to step S37. Step S37: Extract transaction details of the summary item specified for display. Step S38: Combine transaction details of other financial institutions in chronological order. Step S39: Display the transaction details. Step S40: It is determined whether or not there is a link display of a related transaction statement. If there is a link display, step S
If there is no link display in 41, the process proceeds to step S42. Step S41: Display the link statement. Step S42: to judge whether there is a display change. If there is a display change and refinement / condition change is performed, step S
In step S45, if graphing is to be performed, the process is terminated. Step S43: Enter the change condition and proceed to step S44. Step S44: It is determined whether or not to change the financial institution. If it is to be changed, the process returns to step S33; otherwise, the process returns to step S37. Step S45 Graph and display, and step S39
Return to

Next, the operation in the case where an individual use service is provided for a fee will be described. In this case, the operation when the default of the display financial institution is set will be described.

FIG. 56 is a first flowchart showing another operation of the transaction statement management system in the ninth embodiment of the present invention. FIG. 57 is another flowchart of the transaction statement management system in the ninth embodiment of the invention. 3 is a second flowchart showing the operation of FIG.

In this case, prior to the use, the charge information of the use service is displayed to confirm the intention of use. If the service is a paid service, the paid service fee used is displayed as necessary after the processing is completed.

The settlement of the fee follows the contract method. The payment method is similar to the fee collection at the time of using ATM of another bank, so that it can be automatically debited from the account each time, monthly debit from the account collectively, monthly For example, it may be possible to settle the payment in addition to the telephone usage fee or the provider usage fee.

Next, the flowchart will be described. Step S51: Enter a user ID and a password. Step S52: Information on the paid service is provided. Step S53: To judge whether the user is a valid user. If the user is a valid user, the process proceeds to step S54,
If the user is not a valid user, the process ends. Step S54 Search for a transaction statement. Step S55: Check the default display format. Step S56: It is determined whether or not all the transaction details are displayed in order of date. If so, go to step S58.
If not, the process proceeds to step S57. Step S57: Extract the transaction details of the summary item specified for display. Step S58: Combine transaction details of other financial institutions in chronological order. Step S59: Display the transaction details. Step S60: It is determined whether there is a link display of a related transaction statement. If there is a link display, step S
If there is no link display in 61, the process proceeds to step S62. Step S61: Display the link transaction statement. Step S62: to judge whether there is a display change. If there is a display change and refinement / condition change is performed, step S
The process proceeds to step S65 in the case of graphing in step 63, and to step S66 in the case of no display change. Step S63: Enter the change condition and proceed to step S64. Step S64 It is determined whether or not to change the financial institution. If it is to be changed, the process returns to step S54; otherwise, the process returns to step S57. In step S65, a graph is displayed.
Return to Step S66 The paid service fee is displayed.

As described above, in the present embodiment, the user can check the transaction details without going to the store of the financial institution, and can save the trouble of passbook entry.

Further, since the transaction details managed for each financial institution can be managed collectively, the entire transaction details can be easily referred to, and the convenience for the user can be improved. it can.

Further, regarding items such as credits described in the bank statement, the corresponding transaction can be immediately referred to by selecting the corresponding statement and requesting a detailed inquiry. Therefore, the transaction can be grasped more easily. In addition, as an example other than credit, it can be used for confirming a repayment schedule of a mortgage loan.

Since the transaction details of each financial institution can be combined and displayed in chronological order, the transition of daily transaction details can be displayed in an easy-to-understand manner.

Also, since the transaction details of each financial institution can be read and graphed, it is possible to easily confirm the user's property transition and property ratio.

Further, since each transaction statement can be searched, all the transactions to be confirmed can be confirmed.

[0183] Since the narrowed-down display can be performed by designating the summary items of the transaction details, the efficiency of the work of confirming the transaction details can be improved. Further, the transaction details information can be read as digital data by outputting a file in a general-purpose format such as the CVS format, so that the information can be freely processed or applied to other applications (such as data transfer). be able to. Therefore, the arrangement of the transaction details can be automated.

Also, the financial institution can improve the user service by providing the transaction statement management system service. Since the frequency of passbook entry can be reduced by the spread of web passbooks, the amount of passbook issuance can be reduced, and the mounting of a passbook entry unit of equipment such as an ATM installed in a financial institution can be minimized. be able to. Therefore, cost can be reduced.

Further, by providing various data search, data processing, and the like as paid services, it can be used to increase fee income of financial institutions.

Next, a tenth embodiment of the present invention will be described. The description of the same components and operations as those of the first to ninth embodiments will be omitted.

FIG. 58 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the tenth embodiment of the present invention, and FIG. 59 is an Internet connection terminal according to the tenth embodiment of the present invention. FIG. 60 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the tenth embodiment of the present invention, and FIG. It is a 4th figure showing the example of the display screen of the display means of the Internet connection terminal in a 10th embodiment of the invention.

In the ninth embodiment, in addition to the confirmation of the transaction details, various reports such as an address change, a password change report, and a loss / theft report may occur. in this case,
It was necessary to go to each financial institution and process the notification. In the present embodiment, the web passbook server 25
By providing a notification reception menu in the, the notification processing can be easily performed. The structure according to the present embodiment is the same as the structure according to the ninth embodiment, and will be described with reference to FIG.

In this case, the web passbook server 25 has a function of receiving various reports, a function of sending the received report information to a higher-level device of a financial institution, and receiving a processing result thereof.
And a function to read and manage the history of the report processing results. Further, in the higher-level device of the financial institution, the specification of delivery of the notification information is determined, and a function of receiving and processing the notification information is added according to the specification.

Next, an operation for performing various notification processes such as a notification of a change in an address, a change in a personal identification number, and a report of loss or theft will be described.

First, in the case of performing the report processing, when a report button as shown in FIG. 58 or a financial institution selection screen is selected, a report selection screen as shown in FIG. 59 is displayed. Select the item you want to report. The report menu includes, for example, an address change that can respond to all accounts at once, a password change that can respond to individual, multiple, or all accounts, and a lost / stolen report. Can be selected. The report menu is not limited to the menu in the present embodiment. If notification of completion or notification of an error is desired with respect to the completion of the notification, it is possible to set a notification required. If notification destination information has not been set when the notification required setting is performed, FIG.
The notification destination setting screen as shown in is automatically displayed, so the notification destination information is set.

Next, the input screen of the selected report menu is displayed, so that the target report item and the financial institution (account) to be reported can be selected, and various information displayed on the screen can be entered. Is accepted by the web passbook server 25. Then, the web passbook server 25 transmits the received report information to the corresponding financial institution in accordance with a predetermined delivery specification.

Subsequently, the host device of the financial institution performs a prescribed process based on the notification information, and returns a completion of the process to the web passbook server 25. Then, a display screen as shown in FIG. 61 is displayed. Further, the processing result is read as a history, and the user is notified as necessary (for example, only when an error occurs or when the user specifies the notification is required). If an e-mail address or telephone number is registered as a notification destination, the notification destination is notified by e-mail, voice synthesis notification by telephone, or FAX notification.

If the user who has not required notification is not registered in the notification destination, the user is notified on the screen the next time the web passbook is accessed. Further, the notification at the time of error may be entrusted to the financial institution of the business partner. When applying for a lost / stolen report, acceptance from a mobile phone is possible (a dedicated screen will be provided separately).
You can deal with it anytime, anywhere. After the notification is completed, the read history may be managed so that the user can make an inquiry at a later date.

As described above, in this embodiment, various reports can be made from the Internet connection terminal 12 without going to the counter of the financial institution, so that the convenience of the user can be improved.

In addition, regarding matters that must be notified to all financial institutions, such as address changes, it is possible to collectively notify various financial institutions via the web passbook server 25. Duplicate processing can be avoided.

Further, when lost or stolen, the corresponding account information may not be recognized.
Since the current information is registered in the web passbook server 25, it is not necessary to check the account information, and it is possible to respond quickly. In addition, since the loss / theft report can be accepted from a mobile phone, the report can be made anytime and anywhere, and a real-time response can be made.

By setting so that the result of accepting the report is notified by e-mail or the like, the result can be easily confirmed, so that it is possible to respond without fail, and the user who has applied is safe. can do. In addition, for users who have not set a notification destination, notification can be performed by displaying guidance the next time the web passbook is accessed,
It is also possible to reliably cope with a reception failure.

In the first to tenth embodiments, the display of the transaction details is assumed to be displayed in chronological order. However, the specifications of the web passbook server 15, the summary items to be displayed, and the advance setting of the order and the like are required. Accordingly, the transaction details can be displayed in a display order different from the date order.
As a result, the display can be made in accordance with the needs of the user, or in a display format suitable for the convenience of the system (such as inheriting the current upper-level device specifications and reducing development costs).

The present invention is not limited to the above embodiments, but can be variously modified based on the gist of the present invention, and they are not excluded from the scope of the present invention.

[0201]

As described in detail above, according to the present invention, not only can a user check a transaction statement without going to a financial institution, but also information about each item of the transaction statement can be arbitrarily set. It can be easily managed by extracting and organizing.

[Brief description of the drawings]

FIG. 1 is a schematic diagram of a transaction statement management system according to a first embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of a management file image of a passbook database according to the first embodiment of the present invention.

FIG. 3 is a diagram illustrating an example of an output image of a passbook database according to the first embodiment of the present invention.

FIG. 4 is a flowchart showing an operation of the transaction statement management system according to the first embodiment of the present invention.

FIG. 5 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 6 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 7 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 8 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 9 is a fifth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 10 is a sixth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 11 is a flowchart showing another operation of the transaction statement management system according to the first embodiment of the present invention.

FIG. 12 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 13 is a second diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 14 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 15 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 16 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 17 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 18 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 19 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 20 is a fifth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 21 is a sixth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 22 is a first diagram illustrating an example of transition of the display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 23 is a second diagram illustrating an example of transition of the display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 24 is a third diagram showing an example of transition of the display screen of the display means of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 25 is a fourth diagram illustrating an example of transition of the display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 26 is a fifth diagram illustrating an example of transition of the display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 27 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 28 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 29 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 30 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 31 is a fifth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 32 is a sixth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 33 is a seventh diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 34 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 35 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 36 is a third diagram showing an example of the display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 37 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 38 is a fifth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 39 is a sixth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 40 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 41 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 42 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 43 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the eighth embodiment of the present invention.

FIG. 44 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the eighth embodiment of the present invention.

FIG. 45 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the eighth embodiment of the present invention.

FIG. 46 is a schematic diagram of a transaction statement management system according to a ninth embodiment of the present invention.

FIG. 47 is a diagram illustrating an example of a management file image of a passbook database according to the ninth embodiment of the present invention.

FIG. 48 is a first diagram illustrating an example of an output image of a passbook database according to the ninth embodiment of the present invention.

FIG. 49 is a second diagram illustrating an example of an output image of a passbook database according to the ninth embodiment of the present invention.

FIG. 50 is a first flowchart showing the operation of the transaction statement management system in the ninth embodiment of the present invention.

FIG. 51 is a second flowchart showing the operation of the transaction statement management system in the ninth embodiment of the present invention.

FIG. 52 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the ninth embodiment of the present invention.

FIG. 53 is a second example showing the display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention.
FIG.

FIG. 54 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the ninth embodiment of the present invention.

FIG. 55 is a fourth diagram showing an example of the display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention.

FIG. 56 is a first flowchart showing another operation of the transaction statement management system in the ninth embodiment of the present invention.

FIG. 57 is a second flowchart showing another operation of the transaction statement management system in the ninth embodiment of the present invention.

FIG. 58 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the tenth embodiment of the present invention.
FIG.

FIG. 59 shows a second example of the display screen of the display means of the Internet connection terminal according to the tenth embodiment of the present invention.
FIG.

FIG. 60 shows a third example of the display screen of the display means of the Internet connection terminal according to the tenth embodiment of the present invention.
FIG.

FIG. 61 shows a fourth example of the display screen of the display means of the Internet connection terminal according to the tenth embodiment of the present invention.
FIG.

[Explanation of symbols]

 12 Internet connection terminal 13 Internet 15, 25 Web passbook server 15a, 25a Passbook database 17, 31, 32, 33, 34 Host device

Claims (32)

[Claims] 1. (a) storage means for storing transaction details of a financial institution user, and (b) communication means for communicating with a host device of the financial institution and communicating with a user terminal via the Internet. (C) accessing the host device,
Transaction statement management means for updating and managing the transaction statement,
(D) A transaction statement management system comprising editing means for editing the transaction statement so as to be displayed on a display screen of the user terminal in a form corresponding to a request from the user terminal. 2. The transaction statement management system according to claim 1, wherein the editing unit edits the transaction statement so that only an application item corresponding to a selection from the user terminal is displayed on the display screen. 3. The transaction statement management system according to claim 2, wherein said editing means edits a graph. 4. The transaction statement management means updates the transaction statement by accessing the higher-level device in real time, periodically, or each time a request is made from the user terminal. A transaction statement management system according to any one of the preceding claims. 5. The transaction statement management system according to claim 2, wherein the applicable items are registered in advance. 6. The name of the applicable item is changed in response to a request transmitted from the user terminal.
A transaction statement management system according to any one of the preceding claims. 7. The transaction statement management system according to claim 2, wherein said transaction statement management means groups and manages the applicable items. 8. The method according to claim 1, wherein the editing unit edits the transaction statement so that a memo entry field is displayed, and the transaction statement management unit searches the memo. Transaction statement management system according to the section. 9. The transaction statement management system according to claim 8, wherein the editing means edits the memo so that a part of the memo is displayed with decoration. 10. The transaction statement management system according to claim 8, wherein the memo is a goal, and the transaction statement management means manages the transaction statement in accordance with the goal. 11. The system according to claim 1, wherein the transaction statement management means comprises:
The transaction statement management system according to claim 10, wherein a usage guard, a cumulative calculation, or a cumulative start date is set. 12. The system according to claim 1, wherein the editing unit edits the transaction statement so that a mark entry column is displayed, and the transaction statement management unit searches the mark.
A transaction statement management system according to any one of the preceding claims. 13. The editing device according to claim 1, wherein a button for the request is displayed on the display screen.
13. The transaction statement management system according to any one of 12 above. 14. The communication device according to claim 1, wherein the communication unit communicates with a host device of a plurality of financial institutions, and the transaction statement management unit updates and manages transaction statements of the plurality of financial institutions. The transaction statement management system according to 1. 15. The transaction statement management system according to claim 14, wherein the editing means mixes transaction statements of the plurality of financial institutions and displays the transaction statements on the display screen. 16. The transaction statement management unit manages the transaction statement in response to a report from the user terminal, and the communication unit transmits the report to a host device of a plurality of financial institutions. 15. The transaction statement management system according to 14. 17. A computer for managing transaction details, (b) storage means for storing the transaction details of a financial institution user, (c) communicating with a higher-level device of the financial institution, and via the Internet. Communication means for communicating with the user terminal and updating the transaction statement by accessing the higher-level device; and (d) transaction statement management means for updating and managing the transaction statement.
(E) A transaction statement management program that functions as an editing unit that edits the transaction statement so as to be displayed on a display screen of the user terminal in a form corresponding to a request from the user terminal. 18. The transaction statement management program according to claim 13, wherein the editing unit edits the transaction statement so that only application items corresponding to the selection from the user terminal are displayed on the display screen. 19. The transaction statement management program according to claim 18, wherein said editing means edits a graph. 20. The transaction statement management unit updates the transaction statement by accessing the higher-level device in real time, periodically, or each time a request from the user terminal is made. The transaction statement management program according to any one of the above. 21. The transaction statement management program according to claim 18, wherein the applicable items are registered in advance. 22. The name of the applicable item is changed in response to a request transmitted from the user terminal.
22. The transaction statement management program according to any one of Items 21 to 21. 23. The transaction statement management program according to claim 18, wherein the transaction statement management means manages the applicable items in a group. 24. The transaction method according to claim 17, wherein the editing means edits the transaction statement so that a memo entry field is displayed, and the transaction statement management means searches the memo. Transaction management program described in section. 25. The transaction statement management program according to claim 24, wherein the editing unit edits the memo so that a part of the memo is displayed with decoration. 26. The transaction statement management program according to claim 24, wherein the memo is a goal, and the transaction statement management means manages the transaction statement in accordance with the goal. 27. The transaction statement management means, wherein:
27. The transaction statement management program according to claim 26, wherein a use guard, a cumulative calculation, or a cumulative start date is set. 28. The transaction statement editing means edits the transaction statement so that a mark entry column is displayed, and the transaction statement management means searches the mark for the mark.
7. The transaction statement management program according to any one of items 7 to 7. 29. The editing unit, wherein a button for the request is displayed on the display screen.
29. The transaction statement management program according to any one of Items 28 to 28. 30. The communication device according to claim 17, wherein the communication unit communicates with a host device of a plurality of financial institutions, and the transaction statement management unit updates and manages transaction statements of the plurality of financial institutions. The transaction statement management program described in 1. 31. The transaction statement management program according to claim 30, wherein the editing unit causes the transaction statements of the plurality of financial institutions to be mixed and displayed on the display screen. 32. The transaction statement management unit manages the transaction statement in response to a report from the user terminal, and the communication unit transmits the report to a host device of a plurality of financial institutions. 30. The transaction statement management program according to Item 30.