JP2003067573A - Method for processing financial operation at customer's communication terminal device using communication network and for batch processing of plural financial institution operation, and communication system, and program therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enhance customer's convenience on financial operations by enabling a customer to obtain a variety of information, in addition to making continued processes for banking operations at a plurality of banks using a TCP/IP communications network and for banking operations at an automatic teller machine (particularly for making deposits and withdrawals). SOLUTION: The customer's communications terminals 3 and 5 and the banking communications systems of the plurality of financial institutions process financial institution operations through a multibank operating communications system. The communications terminals transfer to the multibank operating communications system, the information about a connection to the banking system 6 of the financial institution with which the customer opened an account. Further, instructions are given to the connected banking system 6 to process banking operations including balance inquiries and transfers based on digital cash related to the financial institution operations. Information corresponding to the instructions is received through the data processing device of a multibank operating side, and the received information on the processes of the financial institution operations is stored on an IC card 103.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to TCP / IP (Tr
ansmission Control Protocol / Internet Protocol) Financial business processing in a customer-side communication terminal device by a communication network that processes financial business in a plurality of financial institutions (appropriately referred to as banks) by a communication network (for example, the Internet) and multiple financial institutions The present invention relates to a method of centralized processing, a communication system therefor, and a program.

[0002]

2. Description of the Related Art Conventionally, for example, between a head office of a bank and a plurality of branches, an automatic transaction device such as an automatic teller machine (A) has been mainly used.
A business system is constructed together with a banking system that processes banking business by using a TM (Automatic Teller Machine) (hereinafter referred to as an automatic teller machine).
The accounting system processes deposits and withdrawals and transfers / transfers of cash (banknotes, supplementary currency) as well as inquiries about account balances, deposits and automatic withdrawals, etc., so the processing must be reliable and confidential. To be done.

For this reason, while the business system is being reconfigured into a communication system using a public line network (for example, TCP / IP communication network), the accounting system is the main office and each branch. The processing is performed by a communication system that connects the two via a dedicated line (physical line). Below, inquiries, cash deposits and withdrawals, transfers and transfers,
A passbook entry is described as an accounting business, and this accounting business and the handling of financial products such as stocks and mail-order sales are collectively referred to as a financial business.

FIG. 17 is an external view showing a configuration example of a main part of a communication network related to a conventional accounting business, and FIG.
It is a figure for explaining the conventional accounting business. 17, in this communication network, an automatic teller machine 120 in a branch office of a financial institution, an unmanned shop, a supermarket racket, a department store, and other business office system 120 installed.
a ... 120n and the accounting system 130 are respectively FEP (Front end Processor) 130a and TC (Termi).
nal controller) 121 and a dedicated line 135 are connected to perform the accounting business.

Further, the accounting system 130 is accommodated in a fixed public line network (ISDN / digital fixed communication network) 136 through a web server 130b. Further, a customer performs Internet banking / home banking (hereinafter appropriately referred to as “PC banking”) at home by a small general-purpose computer (personal computer) 140 connected to the fixed public line network 136. Furthermore, the mobile public network 141 (P
Mobile communication device 14 accommodated in the wireless section of cell base station 141a of DC / PHS digital mobile communication network)
2 executes mobile banking and fixed public network 13
6 is edited by the editing server 145 provided between the mobile public network 141 and the mobile public network 141 so as to match the display screen area of the mobile communication device 142.

Referring to FIG. 18, in PC banking in the accounting business, the small general-purpose computer 14 shown in FIG.
Handles inquiry and transfer / transfer accounting from 0, and
In mobile banking, the mobile communication device 142 is connected to an internet connection or a mobile phone carrier service to process inquiry and transfer / transfer account processing.

[0007] It should be noted that with this PC banking and mobile banking, cash deposit / withdrawal and passbook entry are not possible. In other words, it handles the deposit and withdrawal of cash and the account processing of passbook entry as well as inquiries, transfers and transfers only with an automatic teller machine. In this case, cash deposits and withdrawals are often not handled on bank holidays and after business hours.

[0008]

The above-mentioned conventional example has the following problems. When the customer processes the cash accounting with the automatic teller machine after the accounting business processing (inquiry, transfer / transfer) in the PC banking and the mobile banking on the customer's communication terminal side, the bank card or passbook It is necessary to attach the to an automatic teller machine and perform the operation. In other words, there is no continuity of the accounting operation between the customer side terminal and the automatic teller machine, and the individual accounting operation is troublesome.

The present invention solves the problems in the prior art as described above, and uses a general-purpose TCP / IP communication network (for example, the Internet) on the customer side for accounting operations of a plurality of banks and an automatic teller machine. It is possible to continuously process the accounting business (especially cash deposit and withdrawal) in
An object of the present invention is to provide a method of financial business processing and multi-financial institution business centralized processing in a communication terminal device on the customer side by a communication network, which improves convenience of use of a bank by a customer, a communication system and a program therefor.

Furthermore, the present invention uses a public TCP / IP communication network to allow a customer to use a plurality of banks and wireless connection with a mobile terminal of the customer to shift to a completely cashless society. The provision of multiple financial institution business processing methods and their communication systems and programs through a communication network that enables cash withdrawals and payments with an automatic teller machine, which is indispensable during the period, and improves the convenience of bank use. To aim.

[0011]

In order to achieve the above-mentioned object, a method of financial business processing and multi-financial institution business centralized processing in a customer side communication terminal device by a communication network of the present invention is a multi-bank operation in a communication network. A method for a customer-side communication terminal device to process financial institution business through respective accounting systems of a plurality of financial institutions through a data processing device of a communication system, wherein the customer-side communication terminal device processes data for a multi-bank operating communication system. Information is transferred to the accounting system of a financial institution that has an account through a data processing device of a multi-bank operating communication system, and the multi-bank is connected based on the transfer of the information. The data processing device of the operating communication system is connected to the financial institution business in the accounting system of the financial institution that has opened the account. Transfer the instruction contents of the processing, balance inquiry by the electronic wallet using the removable or built storage medium to the customer-side communication terminal device corresponding to the instruction content,
Receives information that processes account operations including transfer and transfer, cash deposit and withdrawal through a data processing device of a multi-bank operating communication system, and stores the information that processes the account operations in an information storage medium that can be attached or detached. It is characterized by including each process.

According to the method of the present invention, the electronic wallet information stored in the storage medium which the customer-side communication terminal device can attach / detach or store by a wireless line connection with an automatic teller machine connected to the accounting system. After processing the cash deposit / withdrawal in cooperation with the received processing information of the financial institution business in the removable information storage medium, the removable information storage medium is removed from the customer side communication terminal device, and the integrated circuit storage It is characterized in that the medium is attached to an automatic teller machine connected to an accounting system, and cash deposits and withdrawals associated with electronic wallet information stored in this removable information storage medium are processed.

In the multi-financial institution business processing communication system of the present invention, the communication network allows the communication terminal on the customer side and the accounting communication system of each of the plural financial institutions to process the financial institution business through the multi-bank operating communication system. It has a feature.

The program of the present invention comprises a step in which the communication terminal on the customer side transfers connection information to the accounting system of a financial institution having an account, to the multi-bank operating communication system connected to a line. Steps to instruct the banking system connected to the line for processing of banking business, including balance inquiry, transfer and transfer, cash deposit and withdrawal related to financial institution business, and information corresponding to these instructions Receiving through the data processing device of the operating communication system, storing the received processing information of the financial institution business in an information storage medium that can be attached or detached or built in, and the customer side communication terminal device is a mobile communication device. The communication device and the automatic teller machine connected to the accounting system through the data processing device of the multi-bank operating communication system are wireless. Making a line connection, transferring the processing information of the financial institution business stored in the mobile communication device, and the automatic teller machine processing the financial institution business including cash deposit / withdrawal and transaction record output; It is characterized in that the control is substantially executed by a computer.

In the present invention as described above, a general-purpose TCP / I is used.
P-communications network (for example, the Internet) makes it possible for customers to continue to process the accounting operations of multiple banks and the accounting operations of automated teller machines (particularly cash deposits and withdrawals). The convenience of is improved.

Further, according to the present invention, it is possible to perform voice-based financial business processing between an automatic teller machine equipped with wireless connection means with a customer's mobile communication device and the customer's mobile communication device, and the financial institution. The convenience of the weaker users is improved.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION Next, with reference to the drawings, an embodiment of a method of financial business processing and multi-financial institution business centralized processing in a customer side communication terminal device by a communication network of the present invention will be described with reference to the drawings. The details will be described.

FIG. 1 is a block diagram of an open communication network according to an embodiment of the present invention. In FIG. 1, this example is a two-way communication network configuration for centrally processing a plurality of financial institution (bank) operations at a portal site. For example, it is a multimedia communication network based on various communication protocols such as a public telephone network and an IP network represented by the Internet. In multimedia communication networks with different communication protocols,
Data transmission, G3 / G4 standard facsimile communication, Internet Fax communication, general-purpose telephone call and VoIP
(Voice over Internet Protocol) ITU (Internatio
nal Telecommunication Union-Telecommunication Stan
dardization Sector / H. Multimedia communication such as voice telephone communication by the H.323 protocol).

In this multimedia communication network, a media gateway device (not shown) is arranged so that a media stream delivered for implementing a multimedia service is in a format required by each communication network (for example, communication). Protocol / ITU-T
Recommendation H. 248).

The communication network shown in FIG. 1 is ISDN.
This digital fixed communication network 1 together with a digital fixed communication network 1 such as (Integrated Services Digital Network)
And has a digital mobile communication network 2 connected by a gateway device GW that performs communication protocol conversion. In addition,
The digital fixed communication network 1 and the digital mobile communication network 2 are collectively referred to as a communication network.

The digital mobile communication network 2 is, for example, a PDC.
(Personal Digital Cellular Telecommunication Syst
em) method, cordless telephone (PHS: Personal Handyph)
oneSystem) system and has a cell base station 2a. The cell base station 2a includes a large number of mobile communication devices 3
(Customer side communication terminal device) is accommodated in a wireless section (air I / F). The mobile communication device 3 allows the customer to use a plurality of banks through mobile banking, in particular, electronic money (e-cache / digital-cache), a global common currency (b).
eens) and bank transactions as well as cash deposits and withdrawals through an adjoining wireless line connection with an automatic teller machine. The mobile communication device 3 is equipped with an IC card that stores information for transaction of electronic money accounting business (inquiries about balance, transfer and automatic debit, cash deposit / withdrawal and transfer / transfer), and the Internet. It has an accessible web browser. The IC card functions as a conventional bank card and passbook, and has a personal identification code (I
D) is stored to identify the legitimacy of the person in the accounting business transaction.

The communication network shown in FIG.
A multi-bank operating communication system 4 functioning as a portal site for centrally executing accounting operations of a plurality of banks, and through the multi-bank operating communication system 4, a large number of electronic money transactions are carried out in the same way as the portable communication device 3 especially at home. Small general-purpose computer device 5 (fixed communication terminal, PC as appropriate)
Abbreviated). The multi-bank operating communication system 4 is provided with an IP telephone 4a (telephone communication device) and an image pickup display unit 4b (image display means) for displaying a crime prevention image taken around the automatic teller machine continuously or by frame feed. ing. Further, the small general-purpose computer device 5 has an I
The P telephone 5a (telephone calling device) is equipped and an IC card (not shown) is mounted. This IC card can be detached from the small general-purpose computer device 5 and attached to the mobile communication device 3, and the stored information can be used interchangeably for mutual use (in particular, cash deposit / withdrawal by an automatic teller machine).

Further, in the communication network shown in FIG. 1, a plurality of accounting systems 6 are installed in each of a number of banks for processing accounting operations, and a plurality of banks (a plurality of banks) through a multi-bank management communication system 4. The accounting system 6) and the mobile communication device 3 on the customer side and the small general-purpose computer device 5 (these two are appropriately referred to as customer terminals) are used to carry out accounting transactions (especially cash deposit / withdrawal) in various places. And a plurality of automatic teller machines 7 arranged in.

The accounting system 6 includes an image pickup display section 6b (image display means) for displaying a crime prevention image obtained by continuously or frame-feeding the surroundings of the IP telephone 6a (telephone communication device) and the automatic teller machine 7. Are connected. The automatic teller machine 7 is provided with an IP telephone 7a (telephone communication device) for a customer to make inquiries to the multi-bank operating communication system 4 side or a bank, and a security surveillance camera 7c (imaging means). . In addition, the small general-purpose computer device 8,
IP telephones 8a and 9a (telephone call devices) are provided on the respective terminals 9.

The communication network shown in FIG.
Small general-purpose computer device 1 for maintenance installed in a maintenance center for each district where a plurality of automatic teller machines 7 are installed
2 (maintenance communication device) and a small general-purpose computer device 13 (security communication device) for security installed in a security company in each district where a plurality of automatic teller machines 7 are installed. The small general-purpose computer device 12 for maintenance receives the failure notification information automatically reported from the automatic teller machine (ATM) 7 by the multi-bank management communication system 4 or the information collected by the polling communication, and the maintenance staff takes measures. It is arranged in a maintenance center or the like in each place for performing (for example, failure recovery and maintenance management maintenance). In addition, the small general-purpose computer device 13 for security is installed in a security company or the like for receiving security request information at the time of a failure in the automatic teller machine 7 from the multi-bank operation communication system 4 or during maintenance management. It is for carrying out cash supply as well as security at the time of failure occurrence and maintenance management.

The small general-purpose computer device 12 for maintenance is equipped with an IP telephone 12a for making a telephone call with the multi-bank operating communication system 4, and the small general-purpose computer device 13 for security has an IP address. An image pickup display section 13b (image display means) for displaying a crime prevention image obtained by continuously or frame-feeding around the telephone 13a and the automatic teller machine 7.
Equipped with.

The communication network shown in FIG.
The multi-bank operating communication system 4 has an IP-VPN network 14 for accommodating the accounting system 6 in a plurality of banks.

The digital fixed communication network 1 and the IP-VPN network 14 are closed IP networks whose configurations and transmission methods are known, and are network configurations in which edge routers and the like are installed in the line network. The digital mobile communication network 2 is, for example, ARIB.
It is a known mobile circuit network to which the -27/28 standard (PDC system / PHS system) is applied and the cell base station 2a is accommodated by a mobile communication control station (MCC) not shown. In addition,
This mobile network is TIA standard IS95 system / IMT-2.
000 N / W-CDMA system may be used without any particular limitation.

In the communication network of FIG. 1, an editing server for re-editing content on the Internet into data by a dedicated HTML tag so as to fit the small display screen of the portable communication device 3, and communication by the Internet are executed. Internetworking function device (I) installed in an Internet service provider (ISP) for
WF) and the like are provided, but the illustration thereof is omitted.

The communication network configuration shown in FIG. 1 is an example, and various configurations by TCP / IP bidirectional communication are possible. The same processing as described below can be performed even in a closed communication network such as an intranet (FDDI / LAN) instead of the open Internet. In addition, foreign exchange business is also possible in the overseas expansion network of a multinational company, that is, an extranet (wide area WAN), with the same processing as described below.

FIG. 2 is a block diagram showing a configuration example of the multi-bank management communication system 4 and the accounting system 6 in FIG.

The multi-bank management communication system 4 may be realized by a simple structure including a web server and a database device, without adopting the structure shown in FIG. This is a case where the multi-bank management communication system 4 links a plurality of banks. That is, the mobile communication device 3 and the small general-purpose computer device 5 (customer terminal) are hyperlinked (Hy) to the accounting system 6 for each of a plurality of banks.
perlinks), when processing the accounting business.

The multi-bank operating communication system 4 adopts the same configuration as the accounting system 6 when constructing a communication system consisting of an active system and a standby system having a standby (protection) function. That is, in the case where the multi-bank operating communication system 4 constructs a communication system which monitors the accounting business data transmission with the customer terminal and, when the failure occurs, carries out the predetermined specific accounting business in the accounting system 6 on behalf. is there. In this case, the NMS (Ne
twork Management System) executes the transmission line switching (backup system) between the active system and the standby system.

Further, the multi-bank management communication system 4 adopts the same structure as the accounting system 6, and it is possible to construct a communication system operating in parallel. Hereinafter, a backup communication system in which the multi-bank management communication system 4 and the accounting system 6 have the same configuration and operate in parallel will be described.

In FIG. 2, the multi-bank operating communication system 4 and accounting system 6 are generally constructed by a local area network (LAN) such as UNIX (registered trademark) workstation or Ethernet (registered trademark). Is. The multi-bank operating communication system 4 and the accounting system 6 (also referred to as a LAN system as appropriate) have a line connection device 20 for connecting to an ISDN (digital fixed communication network 1). This line connection device 20 is a hub device or a digital termination connection device (DS).
U) and a router (not shown) in which a firewall application for intrusion prevention is mounted.

Further, this LAN system is provided with a web server 21 for executing internet communication processing, and further, FTP (File Transfer Prot.
FTP server 22 for file transfer, and D for distributed name management system (DNS)
The NS server 23 is provided. An authentication server 24 is provided in this LAN system. The authentication server 24 is a known public key infrastructure (PKI: Public Key Infrastructure) in the communication system.
It is for executing a digital signature, partner authentication, etc. based on the.

Further, in this LAN system, a D / B server 25 for executing a search (tracking) in the database (D / B) and the following database device (1)
(2) and (3) are provided. (1) Accumulate and store personal information (personal attribute information such as name, company title, etc. and individual attribute information such as personal preference) concerning a customer, and data of the accounting business for each customer (accounting business (balance, Inquiries about transfer deposits and automatic withdrawals,
Customer database device 26b that stores cash deposits and withdrawals and transfers / transfers (2) Translation database device 26c (3) for performing multilingual display of accounting operations on each of a number of automatic teller machines 7 ATM database device 26 storing information of
d (storage means) (a) maintenance technical information referred to at the site of the automatic teller machine 7 (for example, voltage of measurement point, slot number and corresponding circuit board, part number, etc.) (b) failure occurrence history information ( Date and time, failure status, failure recovery processing information, etc.) The maintenance technique information and failure occurrence information in the ATM database device 26d may be stored in the main storage device or auxiliary storage device of each automatic teller machine 7.

The LAN system shown in FIG.
V for interfacing P telephones 4a and 6a
It has an oIP connection device 27, a control server 28 for controlling the entire LAN system of FIG. 2, and an I / F unit 29 for connecting a LAN such as an accounting system already built in a bank. Further, this LAN system is provided with image display units 4b and 6b for displaying continuous or frame-by-frame images transmitted from the monitoring camera 7c provided in the automatic teller machine 7. This imaging display unit 4b,
6b (13b) is an image processing unit 30a, LCD or CRT
And the like.

In this LAN system, a drive device (not shown) for reading the program from the CD-ROM and installing the program on the control server 28, a server dedicated to intrusion prevention execution, an electronic mail server, and a facsimile (Fax) server are provided. The configuration in which and are provided is also known.

The multi-bank management communication system 4 and the accounting system 6 are not particularly limited to the configuration shown in FIG. Depending on the amount of processed data and the amount of traffic, it is possible to configure only a single general-purpose computer (server).

FIG. 3 shows the IP telephones 4a to 9 shown in FIG.
It is a block diagram which shows the principal part structure of a, 12a, 13a. In FIG. 3, the IP telephones 4a to 9a of this example are
Transmission / reception interface unit 31 and encoding / decoding unit 32
A variable volume audio unit 33, a microcomputer 34, a microphone 35a and a speaker 35b for voice call, a memory 36 storing a boot program and an IP voice call control program, a CRT, LCD display unit 37, and an operation. This is a configuration including a section (numeric keypad, function selection key) 38 and the like. The automatic teller machine 7 in FIG.
Weak radio wave transmission / reception (eg frequency hopping communication / Bl
It has a control device and a man-machine I / F device according to the Bluetooth (registered trademark) system. Man-machine I / F
The device has a configuration including a cash depositing / dispensing unit for depositing / dispensing cash (banknotes, supplementary currency), a printer, a card processing unit for reading data of an IC card, and the like, and each unit is a plug-in with measures against interference waves. It is an expression structure. The small general-purpose computer devices 5, 8, 9, 12, and 13 in FIG. 1 are known as tower type desktop personal computers and notebook personal computers. For example, a connection device, a microcomputer, a flash memory, a drive device for information storage media, a monitor device, an input operation device, a hard desk device, an interface for connecting various external devices, for example, SCSI (Small Computer System Interf).
ace) interface, USB (Universal Serial Bu)
s) A configuration including an interface is well known.

FIG. 4 is a block diagram showing a configuration example of the mobile communication device 3 in FIG. In FIG. 4, the configuration of the mobile communication device 3 is known as a PDC system and a PHS system. For example, a frequency switching synthesizer, a wireless transmission / reception unit 91 including a reception field strength (RSSI) detection unit,
A modulation / demodulation unit 92, a time division / demultiplexing unit 93, a codec (encoding / decoding) unit 94, a transmission microphone 95, a reception speaker 96, a microprocessor (MPU) 98, and an incoming call. It has a display unit 99 such as a display light emitting diode and a liquid crystal display, and an input operation unit 100 including function keys and ten keys.

Further, the portable communication device 3 transmits / receives a weak radio wave to / from the memory 101 for working process and the electronic money accounting transaction by internet banking or mobile banking, in particular, with the automatic teller machine 7 shown in FIG. A wireless transmission / reception unit 102 for depositing and withdrawing cash by (for example, the Bluethooth method), and various personal information for bank transactions (conventional bank card, passbook information, and various personal attributes / individual attribute information). And an attachable / detachable IC card 103 for storing information).

Next, the operation of this embodiment will be described. First, transmission modes of the digital fixed communication network 1 and the digital mobile communication network 2 of FIG. 1 will be described.

Between the digital fixed communication network 1 shown in FIG. 1 and each device, for example, transmission speeds of 64,384.
IP packets of kbit / s and 1.5 Mbit / s are transmitted. In addition, each device of FIG. 1 has a communication connection process by TCP / IP known as Internet communication,
Language processing function by HTML (Hyper Text Markup Language) (text, voice, JPEG still image or MPEG moving image processing by data compression), and HTTP (Hypertext Tr
bidirectional communication by hyperlink function by ansport protocol, file transfer by FTP, and CGI
Executes external application by (Common Gateway Interface). Each device is equipped with a web browser (application) for e-mail communication and internet surfing for this purpose. Each of these devices performs bidirectional communication by well-known IP packet file transfer by a TCP / IP link.

Further, the digital mobile communication network 2 and portable communication device 3 shown in FIG. 1 are ARIB-27 / 2.
8 standards TDMA system or TDMA / TDD transmission system, TIA standard IS95 system / IMT-2000 N /
Communication is performed by the W-CDMA system. In this communication, the mobile communication device 3 performs an operation related to a telephone call, and the Internet access by a web browser (application) is converted into a communication protocol (Internet).
And air interface processing (cell base station / switch control station).

In the communication processing of this kind of accounting business, it is necessary to prevent the destruction of customer information and the exploitation of money and the interruption of transactions in the accounting business. Examples of monetary exploitation and transaction interruption in accounting operations include wiretapping (acquiring malicious data on the communication route), denial (denying communication on the communication partner), and falsification (transmission of data transmitted by a third party on the communication route). Modification), spoofing (a third party impersonates another person and transmits data)
There is. For this reason, known conventional cryptosystems (conventional e
ncryption system) and public key encryption system (publickey encr
yption / RSA, MH) is used to prevent destruction of customer information. In addition, an encrypted communication protocol (SSL: Secure Sockets L
ayer) is executed.

From the portable communication device 3 or the small general-purpose computer device 5, PC banking or mobile banking is used to perform accounting operations (inquiries about balances, transfer deposits and automatic withdrawals, cash deposits / withdrawals, transfers and transfers). The transaction data of this accounting business is the IC card 1 in the mobile communication device 3.
It is stored in 03. In this case, electronic money (e-cache / di
gital-cache), the world common net currency (beens) data. After that, the actual cash deposit / withdrawal is performed by moving the mobile communication device 3 to the location where the automatic teller machine 7 is installed. That is, as will be described later, the IC card 10
The electronic money balance 3 is processed through the multi-bank operating communication system 4 and the wireless connection with the automatic teller machine 7 and the wired line connection between the automatic teller machine 7 and the accounting system 6, and the cash is processed. Deposit and withdraw.

FIG. 5 is a diagram for explaining a plurality of banking business methods by a communication network, and FIG. 6 is a diagram for explaining accounting business processing between the mobile communication device 3 and the automatic teller machine 7. It is a block diagram.

5 and 6, in this business method, the customer side communication terminal device (portable communication device 3 and small general-purpose computer device 5) is passed through the multi-bank operating site side data processing device (multi-bank operating communication system 4). Executes PC banking or mobile banking by line connection with the accounting system 6. Here, PC banking and mobile banking are accounting-related businesses such as inquiries, transfers, and transfers of electronic money balances, deposits, and automatic withdrawals. Electronic money data for this accounting business is stored in the IC card 103. When cash is deposited and withdrawn using an ATM (automatic teller machine 7) after this, the IC card in the small general-purpose computer device 5 is attached to the mobile communication device 3, or the mobile communication device 3 which is previously attached to the mobile communication device 3 is loaded. By using electronic money data of the IC card 103 after banking, cash deposit / withdrawal is executed through a wireless connection with an ATM (automatic teller machine 7) and with a billing system. After executing the PC banking on the small general-purpose computer device 5, the IC card can be removed and brought to the ATM (automatic teller machine 7), and can also be mounted and used for cash deposit and withdrawal.

Next, communication processing of a plurality of banking operations by this communication network will be described. FIG. 7 is a flowchart showing an electronic money writing operation by the mobile communication device 3. FIG. 9 is a diagram for explaining the top page of the data processing device of the multi-bank management communication system 4.

In FIG. 7, in the PC banking and the mobile banking, the multi-bank operating communication system 4 from the portable communication device 3 through the communication line network (Internet).
To access. The financial business process is selected from the menu of the mobile communication device 3 (S1). For example, open the top page of the multi-bank management communication system 4 shown in FIG. 9, specify a branch from the object "for example, Vannavi", and link PC banking or mobile banking for the accounting system 6 with the accounting system 6. It is executed by opening (S2). At this time, the user and the portable communication device 3 used
Authentication processing is performed. Select the bank you want to use from the menu of the mobile communication device 3. The mobile communication device 3 is connected to the accounting system of the corresponding bank via the Internet (S3). Select withdrawal from the menu of the mobile communication device 3,
Input the withdrawal amount (S5). In the accounting system 6,
Execution of instruction contents (inquiries about balance, transfer deposit and automatic withdrawal, transfer / transfer, cash deposit / withdrawal) in the mobile communication device 3 or small general-purpose computer device 5 by database processing in the customer database device 26b Yes (S6). The information and the amount of money of this withdrawal process are recorded in the IC in the mobile communication device 3 through the accounting system (S7).

FIG. 8 is a flowchart showing the electronic money writing operation by the fixed terminal device such as the small general-purpose computer device 5. In FIG. 8, financial business processing is selected from the menu of the small general-purpose computer device 5 and personal authentication information is input (S10). The small general-purpose computer device 5 is connected to a multi-bank management communication system via the Internet. At this time, the authentication process between the user and the used small general-purpose computer device 5 is performed (S11). Select the bank you want to use from the menu (S12). The small general-purpose computer device 5 is connected to the accounting system of the corresponding bank via the Internet (S13). Select withdrawal from the menu and enter the withdrawal amount (S14). I
The C card is mounted (S15, S16), and the financial information of the user is updated by the accounting system (S17). Information about the withdrawal process and the amount of money are stored in the IC and the IC card in the mobile communication device 3 (S18).

In this way, the accounting business of a plurality of banks (PC banking, mobile banking) on the customer side by the general-purpose TCP / IP communication network (for example, the Internet) and the accounting business at the automatic teller machine 7 (especially, The continuous processing of cash deposit / withdrawal is possible through the IC card 103, and the convenience of the customer for using the bank is improved.

FIG. 10 is a flow chart for explaining the process of cashing electronic money by the mobile communication device 3. Select money exchange (withdrawal) from the menu of the mobile communication device 3.
Enter the withdrawal amount, and prepare for withdrawal. Select whether or not receipt is required at this point. (S40). Select cashing from the menu of the automatic teller machine 7 (S4
1). Here, the automatic teller machine 7 and the mobile communication device 3 perform wireless communication, and financial information is read from the IC in the portable communication device 3 and displayed on the screen of the automatic teller machine 7 (S4).
2). The send button displayed on the mobile communication device 3 is pressed (S43). Mobile communication device 3 and automatic teller machine 7
Wireless communication is performed between them, and the specified amount of money is released from the automatic teller machine 7. At this point, the amount of money is deducted from the IC in the mobile communication device 3 (S44). The cash is withdrawn from the automatic teller machine 7 (S45). If the receipt is required to be issued (S46), the automatic teller machine 7 issues the receipt (S47).

FIG. 11 is a flow chart showing a cashing process of electronic money written in an IC card by the small general-purpose computer device 5. In FIG. 15, a cashing process of electronic money written in the IC card will be described. First, an IC card is attached to the automatic teller machine 7 (S50). In the menu of the automatic teller machine 7, cashing (IC card) is selected (S51). At this point, the necessity of issuing the receipt is selected. The automatic teller machine 7 and the IC card communicate with each other, the financial information is read by the information in the IC card, and the information is displayed on the screen of the automatic teller machine 7 (S52). Enter the amount to be cashed on the screen of the automatic teller machine 7 and press the confirm button (S53). The designated amount of money is released from the automatic teller machine 7 (S5
4). At this time, the corresponding amount cashed is subtracted from the amount recorded in the IC card. Automatic teller machine 7
The cash released to is extracted (S55). It is determined whether receipt is required or not (S56). When issuing a receipt, the automatic teller machine 7 issues a receipt (S5).
7). In addition, in this cash deposit / withdrawal, the IC card mounted in the small general-purpose computer device 5 is used as the automatic teller machine 7.
Bring it in and handle it as you would a bank card or bankbook to make cash deposits and withdrawals. Communication with the accounting system 6 is set from the automatic teller machine 7 through the multi-bank management communication system 4.

Further, the mobile communication device 3 transmits a command for a designated deposit / withdrawal operation to the automatic teller machine 7 by wireless communication means, handles the IC card like a bank card or a bankbook, and deposits / withdraws cash. I do.

FIG. 12 is a flow chart showing the depositing / withdrawing operation by the portable communication device 3 and the automatic teller machine 7. Select deposit from the menu of the mobile communication device 3 (S6)
0). The amount of money to be deposited (electronic money, amount of money to be deposited into the account) is input in the menu of the mobile communication device 3, and the deposit preparation state is set. At this time, it is selected whether the receipt is required or not (S61). Cash is put into the slot of the automatic teller machine 7 (S62). Wireless communication is performed between the mobile communication device 3 and the automatic teller machine 7, and the automatic teller machine 7 receives the designated information (S63). At this point, the amount of electronic wallet of the mobile communication device 3 is increased. Further, the automatic teller machine 7 sets (transmits) communication to the multi-bank management communication system 4 through the communication network. Further, communication setting is performed from the multi-bank management communication system 4 to the accounting system 6 of either bank A or B in which the customer has an account. The designation of the accounting system 6 of either bank A or B in which this customer has an account is automatically executed based on the information stored in the IC card. After this, a link is opened between the automatic teller machine 7 and the multi-bank operating communication system 4 and the multi-bank operating communication system 4 of either A or B. The financial information of the corresponding account of the user connected via the Internet is updated (S64). If the change is present, the change is released in cash from the automatic teller machine 7 (S65). Whether or not to issue a receipt is selected (S66), and when issuing a receipt, the receipt is issued from the automatic teller machine 7 (S67).

FIG. 13 shows an IC card and an automatic teller machine 7.
It is a flow chart explaining the payment operation by. IC
The card is attached to the automatic teller machine 7 (S80). Select payment from the menu of the automatic teller machine 7 (S81).
Insert cash into the cash slot of the automatic teller machine 7 (S8).
2). Designate the amount to be saved as electronic money in the IC card and the amount to be deposited in the account of the accounting system (S
83). Communication is performed between the IC card and the automatic teller machine 7. At this point, the electronic wallet amount of the IC card is increased (S84). It is connected to the accounting system of the relevant bank via the Internet. Based on this deposit / withdrawal operation, the accounting system 6 of either bank A or B performs accounting operations, and the D / B server 25 and the customer database device 26b.
The financial information of the user is updated by the database processing in step S85 (S85). If the change is present, the change cash is discharged from the automatic teller machine 7 (S86).
Whether or not to issue a receipt is selected (S87), and when issuing a receipt, the receipt is issued from the automatic teller machine 7 (S88).

Also in this case, it is possible through the IC card to continuously process the PC banking on the customer side by the general-purpose TCP / IP communication network, and the cash deposit / withdrawal accounting operation at the automatic teller machine 7 after the mobile banking. As a result, the convenience of customers for using the bank is improved.

FIG. 14 is a diagram for explaining a plurality of other banking business methods in the customer side communication terminal device by the communication network. In FIG. 14, other plurality of banking techniques in the customer side communication terminal device here are the following (1) to (3). (1) Multilingual display on the customer side communication terminal device and automatic teller machine (2) Optimal information acquisition on the customer side communication terminal device by direct marketing analysis (3) Customer and each department at the automatic teller machine Calls Hereinafter, a plurality of other banking techniques in these customer side communication terminal devices will be described in detail.

FIG. 15 is a transmission sequence flow chart showing a processing procedure of multilingual display in the customer side communication terminal device and the automatic teller machine. Here is a cash machine 7
Multilingual display in will be described. Multilingual display on the customer side communication terminal device (small general-purpose computer device 5, mobile communication device 3) is also the same as described below.

In FIG. 15, on the screen display of the automatic teller machine 7, the customer designates an object (not shown) "multilingual display" (steps S69, S70, S71). This instruction command is taken in by the multi-bank management communication system 4 (step S75), the language is converted and transferred through the translation database device 26c (step S76), and the automatic teller machine 7 displays the screen in the language of the customer instruction. Perform (step S72).

In this way, the accounting business using the open TCP / IP communication network can be displayed in multiple languages, the internationalization progresses, and the convenience of the financial business for the customer is improved.

FIG. 16 is a transmission sequence showing a processing procedure of a call between a customer and each department in handling an automatic teller machine.
It is a flowchart.

In FIG. 16, when a failure occurs in the automatic teller machine 7 (for example, the IC card cannot be ejected), the customer can change the status from the IP telephone 7a of the automatic teller machine 7 to the multi-bank management communication system 4 The IP telephone 4a and the IP telephone 13a in the security center (small general-purpose computer device 13) are used for communication. When the IP telephone 7a of the automatic teller machine 7 is activated, the security surveillance camera 7c starts photographing and transfers the image (step S9).
7, S98, S99, S101). The multi-bank operating communication system 4 takes in the voice transmission and the image transfer and displays the image. The legitimate holder of the IC card is found from the face image of the customer on this display. The multi-bank management communication system 4 makes a call to the security center (small general-purpose computer device 13) (steps S102, S103, S104). The security center (small general-purpose computer device 13) confirms the face image of the customer at the time of subsequent dispatch to the automatic teller machine 7 from the imaged display. That is, it becomes possible to confirm the face image of the customer at the automatic teller machine 7 when the IC card cannot be ejected, etc. at the security center, and to reliably hand the IC card on the spot thereafter. With this display,
A call is made between the IP telephone 7a of the automatic teller machine 7, the IP telephone 4a of the multi-bank operating communication system 4, and the IP telephone 13a of the security center (small general-purpose computer device 13) (steps S1000, S1001, S).
1002). This call can also be made with the bank site (accounting system 6).

In this way, the customer side can easily report the occurrence of a failure in the automatic teller machine 7 using the public TCP / IP communication network. In this case, it is possible to reduce the fee charged by the IP telephone.

[0068]

As is apparent from the above description, according to the method of the financial business processing and the plural financial institution business centralized processing in the customer side communication terminal device by the communication network of the present invention, the communication system and the program, TCP /
The IP communication network makes it possible to continuously process the accounting operations of multiple banks on the customer side and the accounting operations of the automatic teller machine (especially cash deposits and withdrawals), and the convenience of customers' use of the bank leap forward. Improved.

[Brief description of drawings]

FIG. 1 is a configuration diagram of a communication network according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration example of a multi-bank management communication system and an accounting communication system in FIG.

FIG. 3 is a block diagram showing a main configuration of the IP telephone shown in FIG.

FIG. 4 is a block diagram showing a configuration example of the mobile communication device in FIG.

FIG. 5 is a diagram for explaining a plurality of banking business techniques in the embodiment.

FIG. 6 is a block diagram for explaining accounting work processing between the mobile communication device and the automatic teller machine in the embodiment.

FIG. 7 is a flowchart showing an electronic money writing operation by the mobile communication device in the embodiment.

FIG. 8 is a flowchart showing an electronic money writing operation by a fixed terminal device such as the small general-purpose computer device 5 according to the embodiment.

FIG. 9 is a diagram for explaining a top page in the embodiment.

FIG. 10 is a flow chart of a cash deposit / withdrawal transmission sequence in the embodiment.

FIG. 11 is a flowchart showing a cashing process of electronic money already written in an IC card by the small general-purpose computer device 5 according to the embodiment.

FIG. 12 is a flowchart showing a depositing / withdrawing operation by the mobile communication device 3 and the automatic teller machine 7 in the embodiment.

FIG. 13 is a flowchart illustrating a deposit operation by the IC card and the automatic teller machine in the embodiment.

FIG. 14 is a diagram for explaining a plurality of other banking techniques by the communication network in the embodiment.

FIG. 15 is a transmission sequence flowchart of multilingual display according to the embodiment.

FIG. 16 is a transmission sequence flowchart showing a processing procedure of a call between a customer and each department in handling an automatic teller machine in the embodiment.

FIG. 17 is an external view showing a configuration example of a main part of a conventional accounting communication network.

FIG. 18 is a diagram for explaining a conventional accounting business.

[Explanation of symbols]

1 Digital fixed communication network 2 Digital mobile communication network 3 mobile communication devices 4 Multi-bank management communication system 4a-9a, 12a, 13a IP telephone 4b, 6b, 13b Imaging display section 5-9,12,13 Small general-purpose computer device 6 Accounting system 7 automatic teller machine 7c surveillance camera 26b Customer database device 26c translation database device 26d ATM database device 103 IC card

Claims (10)

[Claims] 1. A method in which a customer side communication terminal device processes financial institution business through respective accounting systems of a plurality of financial institutions through a data processing device of a multi-bank operating communication system in a communication network, the customer side communication terminal The device connects to the data processing device of the multi-bank operating communication system, and transfers information for connecting to the accounting system of the financial institution that has an account through the data processing device of the multi-bank operating communication system, Based on the transfer of the information, the data processing device of the multi-bank operating communication system transfers the instruction content of the processing related to the financial institution business to the accounting system of the financial institution that has opened the account, and the instruction content The customer-side communication terminal device compatible with Exchange, receiving information that has processed the account business including cash deposit and withdrawal via the data processing device of the multi-bank management communication system, and storing the information that processed the account business in an information storage medium that can be attached or detached. A method of centralized processing of financial operations and multi-financial institution processing in a customer-side communication terminal device by a communication network, comprising the steps. 2. The cash that the customer side communication terminal device cooperates with the electronic wallet information stored in the removable or built-in storage medium by wireless line connection with an automatic transaction device connected to an accounting system. 2. A method of financial business processing and multi-financial institution business centralized processing in a customer communication terminal device by a communication network according to claim 1, characterized in that the deposit and withdrawal are processed. 3. After storing the received processing information of the financial institution business in a removable information storage medium, the removable information storage medium is removed from the customer side communication terminal device, and the integrated circuit storage medium is used as an accounting system. The communication network according to claim 1, wherein the communication network is mounted on an automatic transaction device connected to the system, and processes cash deposits and withdrawals associated with electronic wallet information stored in the removable information storage medium. Method for centralized processing of financial operations and operations of multiple financial institutions in a communication terminal device on the customer side. 4. The communication terminal device on the customer side captures and displays information in a language instructed to a data processing device and / or an accounting system of a multi-bank operating communication system. A method of processing financial operations and centralized processing of operations of multiple financial institutions at a customer-side communication terminal device by a communication network. 5. The automatic transaction device fetches and displays information in a language designated by a customer from a data processing device and / or an accounting system of a multi-bank management communication system, and displays the information. Method for processing financial operations and centralized processing of operations by multiple financial institutions in a communication terminal device on the customer side by the above communication network. 6. The customer side communication terminal device acquires information from a data processing device and / or accounting system of a multi-bank operating communication system optimized for information related to a customer who uses the customer side communication terminal device. 2. The method of financial business processing and multi-financial institution business centralized processing in a communication terminal device on the customer side by the communication network according to claim 1, which is displayed. 7. A method for acquiring and displaying information from a data processing device and / or an accounting system of a multi-bank operating communication system, which is optimized for information relating to the customer, while operating the automatic transaction device. A method of centralized processing of financial operations and operations of a plurality of financial institutions in a communication terminal device on the customer side by the communication network according to claim 1. 8. A call is made between the customer and the data processing device and / or accounting system side of the multi-bank operating communication system through the telephone function of the automatic transaction device.
2. A method for centralized processing of financial operations and operations of a plurality of financial institutions in a communication terminal device on the customer side by the communication network according to claim 1. 9. A multi-bank operation in which a communication terminal on the customer side and the accounting system of each of a plurality of financial institutions are located between the communication terminal device of the customer side and the accounting system of each of a plurality of financial institutions by a communication network. In a multi-financial institution business processing communication system for processing a financial institution business through a communication system, the customer side communication terminal device is the accounting system of a financial institution that has an account to the multi-bank operating communication system connected to the line. To connect to the account system that is connected to the line, and instruct to process the account business including balance inquiry, transfer and transfer, cash deposit / withdrawal by electronic wallet using a storage medium related to financial institution business. In addition to receiving the information corresponding to this instruction content through the data processing device of the multi-bank management communication system, Multiple financial institutions business processing communication system, characterized by storing the processed information of the financial institution operations on removable or can be built information storage medium. 10. A step in which the customer communication terminal transfers connection information to the accounting system of a financial institution having an account to the multi-bank operating communication system connected to the line, Steps for instructing the accounting system to perform processing of accounting business including balance inquiry, transfer and transfer, cash deposit and withdrawal related to financial institution business by electronic wallet, and information corresponding to this instruction content are stored in the multi-bank management communication system. Receiving through the data processing device, storing the received processing information of the financial institution business in a removable or built-in information storage medium, the customer side communication terminal device is a mobile communication device, and the mobile communication device and the mobile communication device The automatic transaction device connected to the accounting system through the data processing device of the multi-bank management communication system establishes a wireless line connection, Transfer of the processing information of the financial institution business stored in the mobile communication device, the step of the automatic transaction device processing the financial institution business including cash deposit and withdrawal and the output of the transaction record; A program that is characterized by being executed.