JP2003271818A - Account inquiry system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account inquiry system capable of demanding an inquiry of an account for a plurality of financial institutions without inputting user ID and a password for every financial institution by a user. <P>SOLUTION: This account inquiry system is connected with a terminal unit 3 on a financial institution side through an exclusive line, and is composed of a relay server 7 connected with the Internet 5 on a user side, an account information data base (DB) 9 connected with the relay server, and a certification server 11 and a WWW server 13 connected with the Internet. An account for allowing inquiry, payment, and transfer for every user is registered in account information DB in this system. When the user transmits his/her certification information to the certification server from a terminal unit 15 on the user side, the certification server permits user's demand of inquiry to the system, and the relay server requests the inquiry of accounts of a plurality of financial institutions registered in the account information DB to the terminal units on the financial institution side in accordance with the demand on the user side. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention According to the present invention, according to a request from a user side terminal connected via a network, a user's account inquiry request is made to a financial institution side terminal to which the user has an account. , An account inquiry system for presenting the inquiry result to a user terminal.

[0002]

2. Description of the Related Art Conventionally, a user has accessed a financial institution terminal from a user terminal such as a personal computer (hereinafter referred to as a personal computer) or a mobile phone through a public telephone line network or a wide area network such as the Internet. ,
2. Description of the Related Art A home banking system is known in which a financial institution requests an account inquiry, a transfer, a transfer, etc., and inquires about its own account and transfers funds.

In such a home banking system, a user terminal is connected to a financial institution terminal via the Internet, and a plurality of financial institution terminals are connected to a connection center via a dedicated line. It can be roughly divided into a home banking system which is connected and a user side terminal is connected to a connection center via a telephone line.

More specifically, the former is the WWW of each financial institution from a user terminal such as a personal computer via the Internet.
(World Wide Web) When a connection request is made to the server, the user is authenticated. Then, when there is an inquiry request or the like from the user side terminal of the authenticated user to the WWW server, the WWW server transmits the request information to the financial institution side and receives the response result to the request. Then, the WWW server displays the response result on the user side terminal, and presents the account balance, transfer details, etc. to the user side.

In this system, the user is
Software capable of displaying the response result from the WW server (generally, a browser capable of displaying data in HTML (HyperText Markup Language) format) is installed in advance on the user side terminal such as a personal computer and the like. Operate the screen on the browser from the input device and request the financial institution to inquire about the account and transfer funds.

Next, in the latter case, before the user connects the user terminal to the connection center, the dedicated software is installed in advance, and the information of the account used for the software (for example, a financial institution having an account is used). Information and account number)
Is configured to be registered. That is, in this system, if a user registers account information relating to a plurality of financial institutions in a user terminal, the user's personal computer or other user terminal can unify accounts of a plurality of financial institutions. It has a structure that can be managed.

In the system, when the user requests a query from the user side terminal to the connection center and transmits the information of the inquiry target account, the connection center sends the information of the inquiry target account to Transfer to the corresponding financial institution.
Then, when the connection center receives the response result of the inquiry request, the connection center transfers the response result to the corresponding user.

[0008]

However, the above-mentioned prior art has the following problems. For example, in a system in which a user side terminal is connected to a WWW server on the financial institution side via the Internet, when a user has an account at a plurality of financial institutions and wants to use the system, Each WWW server of each financial institution,
The problem was that the user side terminal had to be connected.

That is, when the user inquires the balances of a plurality of accounts or tries to transfer funds (transfer or transfer) between the accounts based on the inquired balances, the W of each financial institution is set.
It was necessary to request the WW server to connect the user side terminal, and for each connection request, the personal authentication information such as the ID and password required by the WWW server of each financial institution had to be input from the personal computer keyboard or the like. . As a result, the user feels that the operation of inputting the ID and password for each financial institution is very troublesome.

Further, in order to use the home banking system, the user needs to apply in advance for each financial institution to issue an ID and a password for authenticating an individual. , The procedure for such an application was very troublesome. Further, if the user has to manage a plurality of such IDs and passwords, he or she may forget the IDs and passwords.

On the other hand, in a system in which a terminal is connected to a financial institution terminal via a connection center, the user can use a dedicated software to connect the user side terminal such as a personal computer to the connection center. It was possible to make an inquiry request to a plurality of financial institutions without performing a troublesome operation such as connecting to the WWW server.

However, when using such a home banking system, the user is required to issue an ID and password for authenticating an individual to each financial institution in advance, as in the system connected via the Internet. It is necessary to apply to
It was necessary to receive certification from each financial institution.

The present invention has been made in view of these problems, and it is possible to request account inquiries from a plurality of financial institutions without requiring the user to input an ID or password for each financial institution. The purpose is to provide an account inquiry system.

[0014]

In order to achieve the above object, the account inquiry system according to claim 1 complies with a request from a user side terminal connected via a network.
In an account inquiry system in which a user makes an inquiry request for a user's account to a financial institution side terminal having an account and presents the inquiry result to the user side terminal, an account information database, an authentication means, an inquiry And a query result presenting means.

That is, in the account inquiry system according to the first aspect, the account information representing the financial institution account of the user is registered in advance in the account information database. Then, when there is a connection request from the user side terminal to the system, the authentication means acquires the authentication information from the user side terminal, and when the authentication information belongs to the user registered in advance, the user side Allows inquiry requests from terminals.

Then, when there is an account inquiry request from the user-side terminal for which the inquiry request is permitted by the authentication means, the inquiry means reads the account information of the user corresponding to the inquiry request from the account information database, Based on the read account information, for the financial institution terminal where the user has an account,
Make an inquiry request for the user's account.

Then, the inquiry result presenting means acquires the inquiry content of each account responded from the financial institution side terminal by the inquiry request of the inquiring means, and converts the inquiry content into inquiry data which can be displayed as a list on the user side terminal. It is converted and sent to the user terminal. Therefore, in the account inquiry system according to claim 1, if the user is previously registered in the system as an authorized user, and if the account to be inquired or transferred or transferred is previously registered in the account information database. , The user side terminal connection request is sent to the system, the authentication information is sent from the user side terminal to the system, and the inquiry request is permitted by the authentication means.
For accounts registered in the account information database,
An inquiry can be requested from the inquiry means.

Further, in the account inquiry system, the inquiry result presenting means converts the inquiry contents into inquiry data which can be displayed in a list and transmits the inquiry data to the user side terminal.
You can check the results of multiple account inquiries in a list on the user terminal. As a result, in the account inquiry system according to claim 1, the user does not need to make a connection request to a plurality of financial institutions for each financial institution like the conventional home banking system. , For each financial institution, directly enter the authentication information from the user terminal,
You don't have to get permission to request an inquiry.

Furthermore, in the conventional system, the inquiry result of the balance and the like is displayed on the user side for each account, so the user writes down the balance and the like displayed for each account on a memo paper at hand. In addition, although the accounts to be withdrawn were decided by comparing the balances of a plurality of accounts written on a memo paper, the account inquiry system of the present invention displays a list of inquiry results such as balances. The person can easily grasp the balances of a plurality of accounts without checking each account on a memo paper or the like, only by checking the inquiry results displayed in a list.

Next, the invention according to claim 2 is the same as claim 1
In the account inquiry system described in (1), the inquiry presentable account presenting means is provided. That is, in the account inquiry system according to claim 2, when the authentication means permits the inquiry request from the user side terminal, the inquirable account presenting means obtains the account information of the user who permitted the inquiry from the account information database. Based on the account information read out, account data capable of displaying a list of all accounts that can be inquired by the system on the user side terminal is generated, and the account data is transmitted to the user side terminal.

After the inquirable account presenting means transmits the account data to the user side terminal, the inquiring means reads out the inquiry target account transmitted from the user side terminal together with the inquiry request, and reads out the inquiry target account. An inquiry request is made to the corresponding financial institution terminal.

Therefore, in the account inquiry system according to claim 2, the user selects the inquiry target account from among the accounts displayed by the user terminal based on the account data received from the inquiry possible account presenting means. By designating, it is possible to make an inquiry request for the account to the inquiry means.

Further, when the user designates an account to be inquired, the inquiring means performs processing in comparison with making an inquiry request to the financial institution side terminal for all the accounts of the user registered in the account information database. As a result, the inquiry content can be quickly presented to the user by the inquiry result presenting means.

Next, the invention described in claim 3 is the same as that of claim 1.
Alternatively, in the account inquiry system according to claim 2, the inquiry result presenting means allows the inquiry result presenting means to display a list of inquiry results for each account in order of balance at the user terminal based on the balance information included in the inquiry content for each account. Is generated and transmitted to the user terminal.

Therefore, in the account inquiry system according to claim 3, the user has a larger balance in any of the inquired accounts from the inquiry results displayed on the user terminal. You can easily grasp what. As a result, the user can more easily grasp the balances of the plurality of accounts registered in the account information database, and can easily manage the deposits of the registered accounts.

Next, the invention according to claim 4 relates to claim 1
The account inquiry system according to any one of claims 1 to 3, further comprising a fund transfer means. That is, in the account inquiry system according to claim 4, after the inquiry result presenting means transmits the inquiry data to the user side terminal, a transfer from the user side terminal using the account included in the inquiry data as a withdrawal source or When a transfer request is made, the fund transfer means makes a transfer request or a transfer request to the financial institution side terminal corresponding to the account based on the account information.

Therefore, in the account inquiry system according to claim 4, the user transfers not only the inquiry request for the account registered in the account information database, but also the transfer or transfer request from the withdrawal source of the account. Can be done to the means. As a result, the user can request the transfer or transfer of the account after confirming the balance of the withdrawal source account from the inquiry result obtained by the inquiry request. That is, the user can easily guess the balance of the withdrawal source account after the transfer or transfer is performed at the financial institution terminal before requesting the transfer or transfer of the account to the fund transfer means. Therefore, it is possible to easily manage the deposit of the withdrawal source account.

Next, the invention described in claim 5 is the invention according to claim 4.
In the account inquiry system described in (1), when a transfer request or transfer request is made by the fund transfer means, the inquiry means, to the financial institution side terminal corresponding to the withdrawal source account,
Request a withdrawal source account inquiry.

Therefore, in the account inquiry system according to claim 5, when the user makes a transfer request or a transfer request to the fund transfer means, the user does not subsequently make an inquiry request to the fund transfer means. Can obtain the withdrawal source account inquiry result after making a transfer request or a transfer request to the financial institution side terminal.

As a result, the user can easily grasp the balance of the withdrawal source account after making the transfer request or the transfer request. Next, in the invention described in claim 6, in the account inquiry system according to claim 4 or 5, when the transfer request or transfer request is made by the fund transfer means, the inquiry means causes the transfer request or transfer request to be made. It is judged whether the deposit destination account to be deposited by is the same user account as the withdrawal source account and is an account that can be inquired by the system, and the deposit destination account is the withdrawal destination. If the account is the same as the user's account and can be inquired by the system, an inquiry request of the deposit destination account is made to the financial institution side terminal corresponding to the deposit destination account.

Therefore, in the account inquiry system according to claim 6, when the user designates an account that is registered in the account information database and can be inquired by the system as a deposit destination account, the user can use the money transfer means. In response to the transfer request or transfer request, the fund transfer means acquires the inquiry result of the deposit destination account after the transfer request or transfer request is made to the financial institution side terminal without making a request to the inquiry means for the deposit destination account. can do.

As a result, the user can grasp the balance of the withdrawal source account and the deposit destination account after the fund transfer means makes a transfer request or a transfer request to the financial institution side terminal, and registers it in the account information database. You can easily manage the deposit of the account you made. That is, the user
After obtaining the inquiry result of the account registered in the account information database and confirming the balance of the account from the inquiry result, the transfer of the account registered in the account information database by the fund transfer means to the withdrawal source and the deposit destination, or Request a transfer,
Since the fund transfer means can acquire the inquiry result of the deposit destination account after the transfer request or transfer request to the financial institution side terminal, the transfer is performed between the accounts registered in the account information database, and the registration is performed. Deposits of a plurality of the accounts can be easily and centrally managed by the system.

In addition, in the invention described in claim 7, in the account inquiry system according to claim 4, when the fund transfer means makes a transfer request or a transfer request, the permitting means causes the public telephone line network to operate. , Call the user's telephone terminal corresponding to the contact telephone number of the withdrawal source account registered in advance, inquire whether the financial institution side terminal should perform payment corresponding to the transfer request or transfer request, and use When a payment execution command is input from the user telephone terminal by an external operation of the person, the execution of the payment is permitted to the financial institution side terminal.

Therefore, in the account inquiry system according to claim 7, it is possible to confirm to the user whether the settlement can be executed by the financial institution side. It is possible to determine whether the person has made a transfer request or a transfer request. Further, according to the present invention, since the user is asked to confirm the payment execution through a public telephone line network having high security against malicious interception of communication, etc. You do not have to worry about being illegally moved by, and you can use the account inquiry system with confidence.

The permitting means may inquire by voice whether the financial institution side terminal should execute the settlement, or the content thereof may be displayed on a display screen such as a liquid crystal display provided on the user telephone terminal. Characters may be displayed on (display means).

[0036]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below.
A description will be given with reference to the drawings. FIG. 1 is a block diagram showing the configuration of an account inquiry system 1 to which the present invention is applied.

As shown in FIG. 1, the account inquiry system 1 of the present embodiment mainly uses the dedicated line to connect to the financial institution terminal 3
Server connected to the Internet 5 as a wide area network on the user side, and an account information database (DB) 9 connected to the relay server 7.
And an authentication server 11 and a WWW server 13 connected to the Internet 5. A user side terminal 15 is connected to the account inquiry system 1 via the Internet 5.

More specifically, the relay server 7 mainly stores the user information stored in the account information DB 9 when various requests such as inquiries regarding the user's account are made from the user terminal 15 or the WWW server 13. Based on the account information, various requests corresponding to the request are made to each financial institution side terminal 3, and the response result from each financial institution side terminal 3 by the request is sent to the user side terminal via the WWW server 13. It is provided for the presentation at 15. That is, the relay server 7
In response to a request from the user side terminal 15, a relay server side inquiry process and a relay server side fund transfer process, which will be described later, are executed, and W
In response to a request from the WW server 13, a registered account list presentation process described below is executed.

In the account information DB 9, a financial institution account (hereinafter referred to as a “registered account”) that the user has registered in advance to make an inquiry, transfer funds (that is, transfer or transfer) by using the account inquiry system 1. Account information representing "." Is stored. Here, as the account information, for example, the financial institution number of the account, the branch number, the account number, and various permission information indicating whether the registered account is an account that can be inquired by the account inquiry system 1 or a fund transfer is possible. Can be mentioned. That is, the account information is various information regarding the user's account necessary for making various requests to the financial institution side terminal 3 in the account inquiry system.

Next, in the WWW server 13, the user mainly makes an inquiry request or a transfer request or a transfer request to the financial institution side (hereinafter, the transfer request or the transfer request is referred to as a “cash transfer request”). It is provided for displaying various input screens necessary for the user side terminal 15 and for displaying the response result from the financial institution side in response to the above-mentioned request from the user side on the user side terminal 15. That is, the WWW server 13 responds to a request from the user side by a WW described later.
The W server side inquiry process and the WWW server side fund transfer process are executed.

Next, the authentication server 11 is provided to determine whether or not to permit the connection of the user terminal 15 requesting the connection to the account inquiry system 1, and the determination of the connection permission. In order to perform the above, authentication information such as the user ID and password of the user who has been registered for use in the account inquiry system 1 is provided, and when the user requests a connection,
It is configured to execute authentication processing.

That is, when there is a connection request to the account inquiry system 1 from the user side terminal 15 (for example, a personal computer) via the Internet 5, first, the authentication server 11
The user is requested to input the user ID and password as the authentication information, and when the authentication information is input, it is determined whether the authentication information belongs to the user registered in advance in the account inquiry system 1. If it is the authentication information of the registered person, the user side terminal 15 is connected to the WWW server 13.

When the WWW server 13 is connected to the user side terminal 15, first, the WWW server side inquiry process, which will be described later, is executed, and the account information DB 9 is sent to the relay server 7.
Request a list of inquirable accounts for users registered with. Then, when the WWW server 13 requests the relay server 7, the relay server 7 executes a registered account list presentation process, which will be described later, reads the account information of the registered account of the requested user from the account information DB 9, and uses it. A list of registered accounts that can be inquired by a person is transmitted to the WWW server 13 via the Internet 5.

After that, the WWW server 13 receives the registered account list from the relay server 7 and displays the inquiry account designation input screen 17 shown in FIG. 2A on the user side terminal based on the registered account list. Screen information to be displayed in 15 (hereinafter,
This is "reference account input screen data". ),
The screen data is transmitted to the user side terminal 15.

FIG. 2 shows the structure of an inquiry account designation input screen 17 (FIG. 2A) displayed on the user side terminal 15 and an inquiry result display screen 19 (FIG. 2B) described later. It is explanatory drawing showing. The inquiry account specification input screen data is the inquiry account specification input screen 1 for all accounts that can be inquired by the user registered in the account information DB 9 on the user side terminal 15.
When the list is displayed as 7, and the user selects the account displayed on the screen and selects "designated account inquiry", the selected account is set as the inquiry target account, and the list of the inquiry target accounts (hereinafter referred to as the inquiry target account list). Is created), the inquiry target account list is transmitted to the relay server 7, and the execution of the inquiry process on the relay server side described later is requested. In addition, the inquiry account specification input screen data
When "Inquire All Accounts" is selected on the inquiry account specification input screen 17, the inquiry target account list is transmitted to the relay server 7 for all the registered accounts that the user can inquire, and the relay server side described later It is configured to request execution of inquiry processing.

That is, the user side terminal 15 is the authentication server 1
If you are authenticated in 1 and connected to the WWW server 13, W
The inquiry account specification input screen data is received from the WW server 13, the inquiry account specification input screen 17 is displayed, and the user is requested to specify the account to be inquired.

When the user wants to make an inquiry by designating a specific account among the registered accounts, he operates the user side terminal 15 to display the inquiry account designation input screen shown in FIG. 2 (a). On the account inquiry system 1 side, select a specific account from the accounts displayed on the screen as a list on 17 and select "specified account inquiry" to inquire only the specific account. On the other hand, when the user wants to inquire all accounts, on the inquiry account specification input screen 17, by selecting "inquire all accounts", all the users registered in the account information DB 9 can inquire. Request an account inquiry to the account inquiry system 1 side.

That is, when the user specifies an account to be inquired by the above method, the user terminal 15 sends the inquiry target account list specified by the user to the relay server 7 to specify the account. The relay server 7 is requested to inquire about the account to be inquired. When the user terminal 15 issues an account inquiry request, the relay server 7 executes the relay server inquiry process described below to obtain the inquiry target account list and the account information DB received from the user terminal 15. Based on the user's account information stored in, the inquiry request of the account is made to the financial institution side terminal 3 having the account to be inquired, and the response result from the financial institution side terminal 3 by the request. Is temporarily stored as one piece of data as an inquiry content, and the inquiry content is further stored on the WW via the Internet 5.
It is transmitted to the W server 13.

After that, the WWW server 13 receives the inquiry contents from the relay server 7, and the inquiry contents display screen data capable of displaying a list of the inquiry contents as an inquiry result for each account at the user side terminal 15. (That is, the inquiry result display screen 19 shown in FIG. 2B is converted into screen information that can be displayed on the user side terminal 15, and the inquiry result display screen data is transmitted to the user side terminal 15.

When the user side terminal 15 receives the inquiry result display screen data from the WWW server 13, the user side terminal 15 displays the inquiry result display screen 19 shown in FIG. Present to the user side. Incidentally, FIG.
As can be seen from (b), the inquiry result display screen 19 displays a list of account information (account number etc.) representing the inquired account and balance information.

That is, the user inputs the inquiry account designation input screen 1
When an inquiry request is made to the relay server 7 by designating an account to be inquired in 7, the inquiry result (balance, etc.) of each account is acquired through the inquiry result display screen 19 displayed on the user terminal 15 later. You can Further, when the user operates the user side terminal 15 and selects the “fund transfer mode” from the inquiry result display screen 19 of FIG. 2 (b), the fund transfer request ( That is, it is possible to make a transfer or a transfer request).

That is, when the user selects "fund transfer mode" from the inquiry result display screen 19, the user side terminal 15
Requests the WWW server 13 to execute a WWW server-side fund transfer process described later. And WW
When the W server 13 receives the request from the user side terminal 15, the W server 13 executes the WWW server side fund transfer process, and the account information D
A request is made to the relay server 7 for a list of registered accounts that can be transferred or transferred by the users registered in B9.

The relay server 7 is the WWW server 1
When there is the request from 3, the registered account list presenting process is executed, the account information of the registered account of the user who requested is read from the account information DB 9, and the registered account of the user who can transfer or transfer is registered. List via Internet 5 WW
It is transmitted to the W server 13. The registered account list is added with the balance information of each account acquired from the financial institution side terminal 3 at the time of the inquiry request.

After that, the WWW server 13 receives the registered account list from the relay server 7, and based on the registered account list, the screen information necessary for displaying the fund transfer account input screen 21 shown in FIG. (Hereinafter, referred to as “fund transfer account input screen data”.) Is transmitted to the user side terminal 15.
3 is an explanatory diagram showing the configuration of the fund transfer account input screen 21 displayed on the user side terminal 15.

That is, when the user side terminal 15 receives the fund transfer account input screen data from the WWW server 13 after requesting the WWW server 13 to execute the WWW server side fund transfer processing, the transfer of funds is performed. The account input screen 21 is displayed. As can be seen from FIG. 3, the fund transfer account input screen 21 is for inputting deposit destination account information (account number, etc.) from the input means of the user side terminal 15 (for example, a keyboard provided on a personal computer). Account input field 2
1a is provided. Also, the fund transfer account input screen 21
Presents a list of registered accounts that can be transferred or transferred together with their balance information, and the user can select a registered account as a withdrawal source account or a deposit destination account by selecting an account from the list. Has become.

Furthermore, the fund transfer account input screen 21 is
The withdrawal amount input column 21b and the estimated balance column 21c are provided, and the user inputs the withdrawal amount into the withdrawal amount input column 21b when the balances of the withdrawal source account and the receiving account are already known by inquiry. Then, the estimated balances of the withdrawal source account and the deposit destination account, which are estimated when transferring or transferring the withdrawal amount from the withdrawal source account, are calculated based on the input withdrawal amount and account balance information. The estimated balance column 21c is displayed.

This calculation is performed by the user side terminal 15, and the estimated balance is included in the fund transfer account input screen data transmitted from the WWW server 13 to the user side terminal 15. Program information to be calculated by the side terminal 15 is provided. Further, when the user operates the input means of the user side terminal 15 and selects "transfer / transfer" from the fund transfer account input screen 21, the fund transfer account input screen data is transferred from the user side terminal 15 to the relay server 7. In the configuration, a transfer or transfer request is made to the withdrawal source account and the receiving account designated on the screen.

That is, in the account inquiry system 1 of the present embodiment, when requesting the transfer or transfer to the financial institution side, the user enters the registered account of the fund transfer account input screen 21 displayed on the user side terminal 15. Select any account from the list,
The account is designated as the withdrawal source account. Also, the user
Fund transfer account input screen 2 when specifying the deposit account
In 1 above, directly enter the account information of the deposit account required for the transfer or transfer into the account input field 21a, or select the account from the list of registered accounts on the screen Specify as an account.

Then, the user designates the withdrawal source account and the withdrawal destination account by the above-mentioned method, inputs the withdrawal amount into the withdrawal amount input field 21b, and then selects "transfer / transfer" from the fund transfer account input screen 21. By selecting "", the account inquiry system 1
Requesting the transfer or transfer of the designated account.

As described above, when the balance of the withdrawal source account or the deposit destination account is already known, the estimated balance is displayed in the estimated balance column 21c of the fund transfer account input screen 21. When the user looks at the estimated balance and transfers or transfers the withdrawal amount from the currently designated withdrawal source account to the receiving destination account, the balance of each account becomes,
It can be confirmed before the transfer or transfer is performed at the financial institution side terminal 3, and thereafter, the transfer or transfer request for the account designated to the relay server 7 can be made through the user side terminal 15.

That is, when the user makes a transfer or transfer request by the above method, the user terminal 15 causes the relay server 7 to transfer the specified account to the fund transfer target account for requesting transfer or transfer. A list is created, the fund transfer target account list is transmitted to the relay server 7, and the relay server 7 is requested to execute the relay server-side fund transfer process.

The relay server 7 is connected to the user side terminal 1
When there is the request from 5, the fund transfer target account list received from the user side terminal 15 and the account information of the user stored in the account information DB 9 by executing the transfer process on the relay server side described later. Based on the above, the transfer or transfer request from the designated withdrawal source account to the deposit destination account is performed to the financial institution side terminal 3 having the withdrawal source account. Further, when the withdrawal source account and the deposit destination account can be inquired, the relay server 7 requests the financial institution terminal 3 having the corresponding account to inquire about the withdrawal source account and the deposit destination account. Then, the response result from the financial institution side terminal 3 in response to the request is collected as one piece of data as the fund transfer content and transmitted to the WWW server 13 via the Internet 5.

When the WWW server 13 receives the fund transfer contents from the relay server 7, the fund transfer result display screen data (that is, shown in FIG. 4) that can display the fund transfer contents on the user terminal 15. Fund transfer result display screen 23
To screen information to be displayed on the user side),
The fund transfer result display screen data is transmitted to the user terminal 15.

FIG. 4 is an explanatory diagram showing the structure of the fund transfer result display screen 23. As can be seen from FIG. 4, on the fund transfer result display screen 23, a message indicating whether or not the transfer or transfer is completed, balance information of the withdrawal source account after the transfer or transfer request, and a balance of the deposit destination account. Information and are displayed. However, if the deposit account is not an account that can be inquired by the account inquiry system 1, the balance information is not displayed.

That is, when the user makes a fund transfer request to the relay server 7 using the user side terminal 15, whether or not the transfer or transfer is completed is displayed through the fund transfer result display screen 23 shown in FIG. You can know the balance of the account after transfer or transfer. Next, regarding each processing executed in the authentication server 11, the WWW server 13, and the relay server 7, FIG.
~ It demonstrates in full detail, showing FIG.

FIG. 5 is a flowchart showing the authentication processing executed by the authentication server 11. As described above, the authentication process is executed by the authentication server 11 when the user terminal 15 requests the account inquiry system 1 to connect. As shown in FIG. 5, when the authentication process is executed, first, the authentication server 1
In S110, the user instructs the user to input the user ID and the password in S110, and in S120, the user ID and the password are input in the user, and these are input as authentication information in the authentication server 11 side. Wait until received.

When the authentication information is received at the authentication server side (Yes in S120), the authentication server 11 sends the S information.
At 130, it is determined whether the user terminal 15 is permitted to connect to the account inquiry system 1 by determining whether the user ID and password match those of the registered user. .

That is, the authentication server 11 permits the connection of the user side terminal 15 when the user ID and password match those of the registered user (Yes in S130).
s) Then, in S140, an authentication ID that certifies to the relay server 7 side that the connection to the account inquiry system 1 is authorized is issued to the user side terminal 15. After that, the authentication server 11 sets the user terminal 15 to W in S150.
The authentication process is terminated by connecting to the WW server 13.

Here, the authentication ID is used as a substitute for the authentication information such as the user ID and the password directly input by the user every time the user makes an inquiry request or a fund request in the conventional system. 11
Issues an authentication ID to the user-side terminal 15 as described above, and sends the authentication ID to the user-side terminal 15 in S140.
Is notified to the relay server 7. And
In the account inquiry system 1, at the relay server 7, the authentication ID transmitted from the user terminal 15 at each request.
Is compared with the information sent from the authentication server 11 to determine whether the user has been authenticated by the authentication server 11 (details will be described later).

On the other hand, if the user ID or password does not match that of the registered user, the authentication server 11 does not permit the user terminal 15 to connect to the WWW server 13 in S130. (N in S130
o), the process proceeds to S160. And the authentication server
In S160, the number of times the user ID and password are determined in S130 in the authentication process this time is confirmed, and if the number of determinations does not exceed n (for example, 3) (S
No in 160), the process returns to S110, and in S120, the user is requested to input the user ID and password again, and the number of determinations exceeds n (Yes in S160).
First, the connection of the user side terminal 15 to the account inquiry system 1 is refused (S170), and the authentication process is ended.

Next, the WWW performed by the WWW server 13
The server side inquiry process and the WWW server side fund transfer process will be described. First, in FIG. 6A, when the user side terminal 15 is connected to the WWW server 13 in the authentication process (S150) of the authentication server 11, the WWW server side inquiry automatically executed by the WWW server 13. It is a flowchart which shows a process.

As shown in FIG. 6A, when the WWW server side inquiry processing is executed, the WWW server 13 first sets the S2.
At 10, request the relay server 7 for a list of registered accounts that can be inquired by users registered in the account information DB 9,
In S220, the relay server 7 waits for a response to the request. Then, when the WWW server 13 receives the registered account list as the response result of the request from the relay server 7 (Yes in S220), in S230,
The inquiry account designation input screen data described above is created based on the registered account list, the inquiry account designation input screen data is transmitted to the user side terminal 15, and the process proceeds to S240.

Then, in S240, the WWW server 13
Refers to the inquiry target account based on the list of registered accounts on the inquiry account specification input screen 17 displayed on the user side terminal 15, requests the inquiry of the inquiry target account to the relay server 7, and relay server It waits until 7 receives the inquiry content (S580 described later) transmitted to the WWW server 13 side in the relay server side inquiry processing.

When the WWW server 13 receives the response result (that is, the inquiry content) to the inquiry request from the relay server 7 (Yes in S240), the inquiry result display screen data of the inquiry result is displayed in S250. And converts it to the user terminal 15. In order to display the inquiry results for each account on the inquiry result display screen 19 in order of balance, the WWW server 13 converts the inquiry contents into inquiry result display screen data in S250, and displays the inquiry contents in the inquiry contents. Based on the balance information of the included account, the account information and balance information of the inquired account are rearranged to create inquiry result display screen data.

That is, for example, when the inquiry result display screen data is text data, the user side terminal 15
The account information and balance information included in the inquiry result display screen data are read from the beginning of the inquiry result display screen data and displayed in order from the top of the screen. Therefore, the WWW server 13 determines the account information and balance information of each account from the inquiry content. Are arranged in order of balance to form inquiry result display screen data,
On the inquiry result display screen 19, account information and the balance of the account are displayed in order of balance from the top of the screen.

When the processes up to S250 are finished, the WWW server 13 finishes the WWW server side inquiry process. Next, the WWW server side fund transfer process will be described. FIG. 6B shows that when a request from the user side terminal 15 is made after the WWW server side inquiry processing is performed, the W
It is a flowchart which shows the WWW server side fund transfer process performed in the WW server 13.

As shown in FIG. 6B, when the WWW server side fund transfer process is executed, the WWW server 13 first transfers the fund registered in the account information DB 9 to the relay server 7 in S310. Request a list of different registered accounts,
In step S320, the relay server 7 waits for a response to the request. Then, when the WWW server 13 receives the registered account list as the response result of the request from the relay server 7 (Yes in S320), in S330,
The fund transfer account input screen data described above is created based on the registered account list, and the fund transfer account input screen data is transmitted to the user side terminal 15.

That is, in S330, the WWW server 13 displays a list of all registered accounts included in the registered account list, and regarding the accounts whose balance information is included in the registered account list, the balance is registered as the registered account. Create fund transfer account input screen data including screen information to be displayed together with the list and a program for calculating the above-mentioned estimated balance at the user terminal 15, and use the fund transfer account input screen data as the user side. It is transmitted to the terminal 15.

When the processing in S330 is completed, W
In S340, the WW server 13 specifies the withdrawal source account and the deposit destination account on the basis of the fund transfer account input screen 21 displayed on the user side terminal 15 by the user, and transfers the fund to the relay server 7. And waits until the relay server 7 receives the fund transfer content (S660 described later) to be transmitted to the WWW server 13 side in the relay server-side fund transfer process.

When the WWW server 13 receives the result of the response to the fund transfer request (ie, the fund transfer content) from the relay server 7 (Yes in S340), the WWW server 13 sends the fund transfer content to the user terminal 15 in S350. It is converted into the fund transfer result display screen data to be displayed by, and the fund transfer result display screen data is transmitted to the user side terminal 15.

Next, the registered account list presentation process, the relay server side inquiry process, and the relay server side fund transfer process executed by the relay server 7 will be described. First, FIG.
6 is a flowchart showing a registration account list presentation process executed by the relay server 7 when the WWW server 13 requests the registration account list described above (that is, step S210 or S310).

When the registration account list presentation process is executed, the relay server 7 first collates the authentication ID in S410. That is, in the relay server 7, in S410, the user is properly authenticated by the authentication server 11 based on the authentication ID of the user terminal 15 sent together with the request for the registered account list from the WWW server 13. If the user is a legitimately authenticated person, the authentication ID is collated (Yes in S410), S42.
At 0, the user's account information is acquired from the account information DB 9.

When the processing of S420 is completed, the relay server 7 creates a registered account list based on the account information and transmits it to the WWW server 13 side in S430. That is, in S430, when the request from the WWW server 13 side is a request for a registered account list that can be inquired, the relay server 7 registers an account registered as a user inquirable account in the account inquiry system 1 from the account information. Of the registered account list is sent to the WWW server 13 side,
If the request from the WWW server 13 side is a request for a fund transferable registered account list, a list of accounts that the user has registered as a fund transferable account in the account inquiry system 1 is created from the account information, and the WWW server The registered account list is transmitted to the 13 side. Then, after transmitting the registered account list, the relay server 7 finishes the registered account list presentation process.

On the other hand, the relay server 7 determines in S410 that the authentication ID has not been received from the authentication server 11 or has passed the expiration date of the authentication ID. If the verification of
In S440, the user side terminal 15 is connected to the authentication server 11, and the process ends.

Next, the relay server side inquiry process will be described with reference to FIG.
Will be described. 8. FIG. 8 is a flowchart showing the relay server side inquiry process executed by the relay server 7 when the above-mentioned inquiry request is made from the user side terminal 15.
When the relay server side inquiry process is executed, first, the relay server 7 authenticates the user based on the authentication ID of the user side terminal 15 received together with the inquiry target account list from the WWW server 13 in S510. If the user is a legitimately authenticated person (Yes in S510), the account information DB 9 is determined in S520.
And the account information of the user is acquired from the inquiry target account list, and the process proceeds to S530.

Then, in S530, the relay server 7
Based on the inquiry target account list, it is determined whether the inquiry request is to inquire about all accounts, and if the inquiry request is for all accounts (Yes in S530), the account information is registered in the account information DB 9 in S540. For all inquirable accounts, the corresponding institution terminal 3 is requested to inquire about the account.

On the other hand, when it is determined in S530 that the inquiry request from the user does not cover all the accounts registered in the account information DB 9, the relay server 7 proceeds to S550. Then, only the accounts specified in the inquiry target account list are inquired to the corresponding financial institution side terminal 3.

When the processing of S540 or S550 is completed, the relay server 7 waits in S560 until the response result is received from the financial institution side terminal 3. Then, when the relay server 7 receives the response results for all the accounts for which the inquiry request is made (Yes in S560),
In S570, all the response results are put together to create one piece of data as inquiry content, and the data (that is, inquiry content) is temporarily stored in the relay server 7, while in S580, the inquiry content is stored. It is transmitted to the WWW server 13 side, and the relay server side inquiry processing is ended.

On the other hand, if the authentication ID cannot be collated in S510, the relay server 7 connects the user side terminal 15 to the authentication server 11 in S590 and ends the relay server side inquiry process. Next, the relay server-side fund transfer process will be described with reference to FIG. Incidentally, FIG. 9 (a)
6 is a flowchart showing a relay server-side fund transfer process executed by the relay server 7 when a fund transfer request is issued from the user side terminal 15. Further, FIG. 9B is a flowchart showing the post-funds transfer inquiry process executed by the relay server 7 during the relay server-side funds transfer process.

As shown in FIG. 9A, when the relay server-side fund transfer process is executed, first, the relay server 7 returns to S6.
At 10, based on the authentication ID received together with the fund transfer target account list from the user side terminal 15, it is judged whether or not the user is properly authenticated by the authentication server 11, and the user is authenticated. Is an authorized person (S6
(Yes in 10), in S620, the user's account information is acquired from the account information DB 9 and the fund transfer target account list,
The processing moves to S630.

Then, in S630, the relay server 7
A transfer or transfer request is made to the financial institution side terminal 3 based on the fund transfer target account list. That is, based on the account information acquired in S620, the designated withdrawal amount is transferred or transferred to the financial institution side terminal 3 of the designated withdrawal source account from the withdrawal source account to the deposit destination account. Request.

When the processing of S630 is completed, the relay server 7 waits in S640 until it receives the response result to the request from the financial institution side terminal 3 of the withdrawal source account, and when it receives the response result. (Yes in S640), S
At 650, the post-funds transfer inquiry process shown in FIG. 9B is performed.

When the inquiry process after the transfer of funds is executed, the relay server 7 firstly proceeds to step S651 and then proceeds to step S630.
It is determined whether or not the deposit destination account for which the transfer or transfer request has been made is an inquirable account registered in the account information DB 9. Then, when it is determined that the deposit destination account is an inquirable account (Yes in S651), the relay server 7 confirms the deposit destination account to the financial institution side terminal 3 having the deposit destination account in S653. Make an inquiry request,
The process proceeds to S655.

On the other hand, when it is determined in S651 that the deposit destination account is an account that cannot be inquired, the relay server 7 does not perform the process of step S653, but executes the process of S653.
Move to 655. Then, in S655, the relay server 7
Returns S to the financial institution terminal 3 having the withdrawal source account.
At 630, an inquiry request is made to the withdrawal source account that was the subject of the transfer or transfer request.

When the relay server 7 finishes the processing of S655, the relay server 7 requests the inquiry (S653, S6) in S657.
55) is waited until the response result to the financial institution side terminal 3 is received, and when the response result is received (S657),
After the transfer of funds, the inquiry process is terminated, and the money transfer process is performed at S66.
The processing shifts to 0.

Then, in S660, the relay server collects the response result received in the previous S640 and S657 into one data as the fund transfer content, and sets the fund transfer content to W.
It transmits to the WW server 13 side, and ends the fund transfer process. The above is a description of the configuration of the account inquiry system 1 of the present embodiment. By using the account inquiry system 1 of the present embodiment, the user can obtain the following effects.

That is, in the account inquiry system 1 of this embodiment, the user receives registration as a valid user in advance,
In the system, if the user's own account that performs inquiry or transfer or transfer operation is registered in the account information DB 9 in advance, the authentication server 11 stores the user's authentication information by an external operation on the user terminal 15 Just by inputting from the input device such as the keyboard provided in, the user can freely input the authentication information to multiple financial institutions without inputting authentication information.
Inquiries or requests for transfers or transfers can be made.
In addition, if described correctly, the user can make various requests to the financial institution side terminal 3 without inputting the authentication information by himself. The only reason is that the user side terminal 15 cuts off the connection with the account inquiry system 1. , Until the expiration date set in the authentication ID has passed.

In other words, in the account inquiry system 1 of the present embodiment, each time an inquiry request or a transfer or transfer request is made to the financial institution terminal 3, the user's terminal 15 is provided with its own authentication information as in the conventional case. You don't have to type on your keyboard. Further, since the user only has to input the authentication information once, it is not necessary for the user side terminal 15 to store the password as the authentication information of the user. Therefore, in the account inquiry system 1 of the present embodiment, another person uses the user terminal 15
It is possible to prevent the user's own account from being manipulated by operating.

Further, in the account inquiry system 1 of the present embodiment, the user designates the account to be inquired from the inquirable registered accounts registered in the account information DB 9 on the inquiry account designation input screen 17. Therefore, since only the account specified in the financial institution side terminal 3 can be inquired, when the user wants to know only the balance of a specific account among a plurality of registered accounts, the finance corresponding to all the accounts can be obtained. This is convenient because there is no need to wait until the response result of the inquiry request arrives from the institution side terminal 3. Moreover, in this way, it is possible to minimize the load related to the processing for the relay server 7 and the financial institution side terminal 3 to respond to the inquiry request from the user side.

In the account inquiry system 1 of this embodiment, the inquiry result for each account is displayed on the inquiry result display screen 19 as follows.
Since the list is displayed in order of balance, the user can easily grasp the balance of his or her own plurality of accounts. Further, in the account inquiry system 1 of the present embodiment, the user specifies the withdrawal source account and the deposit destination account while confirming the balance of the own account and the estimated balance on the fund transfer account input screen 21. Because it is possible, you can easily manage the deposit of your own account.

Although the embodiments of the present invention have been described above, the authentication processing executed by the authentication server 11 of the present embodiment corresponds to the authentication means of the present invention and is executed by the relay server 7 of the present embodiment. The inquiry process on the relay server side corresponds to the inquiry means of the present invention. Further, the inquiry result display screen data of the present embodiment corresponds to the inquiry data of the present invention, and the WW of the present embodiment.
S of the WWW server side inquiry processing executed by the W server 13
240 and S250 correspond to the inquiry result presenting means of the present invention. Further, the inquiry account designation input screen data of this embodiment corresponds to the account data of the present invention, and is S21 of the WWW server side inquiry process executed by the WWW server 13 of this embodiment.
0 to S230 correspond to the inquirable account presenting means of the present invention. Further, the relay server-side fund transfer process executed by the relay server 7 of the present embodiment corresponds to the fund transfer means of the present invention, and the post-fund transfer inquiry process executed by the relay server 7 of the present embodiment is It corresponds to the inquiry means according to claims 5 and 6 of the invention.

Further, as a matter of course, various data transmitted via the Internet in the above embodiment is encrypted and transmitted. Further, the account inquiry system of the present invention is
The present invention is not limited to the above-mentioned embodiment, and various modes can be adopted.

For example, in the above embodiment, the account information D
In B9, the user makes an inquiry using the account inquiry system 1, or
I registered my own account that can be transferred or transferred, but when the user specifies an account other than my own account as the deposit destination account on the fund transfer account input screen 21, and makes a transfer or transfer request In addition to making a transfer or transfer request to the financial institution side terminal 3, the deposit destination account is stored in the account information DB 9
When you send the data of the fund transfer account input screen to the user later, make sure that the previous deposit destination account is listed as the deposit destination account on the fund transfer account input screen. Good.

In this way, the account that the user frequently designates as the deposit destination is always displayed on the fund transfer account input screen, so that the user directly enters the information of the account in the account input field 21a. It is convenient that the user can select from the account list on the fund transfer account input screen 21 and specify the account as the deposit destination account without inputting.

Further, in order to prevent the transfer of funds such as transfer and transfer by a malicious person, if the account holder can confirm the transfer of funds through a public telephone line, the security of the system concerned will be improved. Can be improved. This system will be described below as a modification of the above embodiment with reference to FIGS. still,
FIG. 10 is a block diagram showing the configuration of the account inquiry system 1 ′, and FIG. 11 is a flowchart showing a settlement permission process executed by the reception server 25 described later. Also,
Regarding this modified example, the parts different from those of the account inquiry system 1 will be mainly described, and the description of the parts having the same configuration as the account inquiry system 1 will be omitted.

As shown in FIG. 10, in the account inquiry system 1 ′, between the financial institution side terminal 3 which executes settlement and the relay server 7, a reception server 25 as an authorization means of the present invention is provided for each financial system. It is provided for each institution. That is, in this account inquiry system 1 ', the reception server 25
It is connected to the relay server 7 and the financial institution terminal 3 by a dedicated line.

In the account inquiry system 1, the transfer request and the transfer request which the relay server 7 has directly made to the financial institution side terminal 3 are made through the acceptance server 25 of the account inquiry system 1 '. When receiving the transfer or transfer request from the relay server 7, the reception server 25 executes the payment permission process shown in FIG. 11, and sends itself through the public telephone line network 27 to the user side telephone terminal ( It is connected to the user telephone terminal 29) and it is confirmed to the user whether payment can be executed.

That is, when the processing is executed, the reception server 25
In step S710, the registered phone number of the holder is acquired from the database (DB) about the holder of the account stored in the server. The registration telephone number may be, for example, one applied by the user when registering for use of the relay server 7, or the financial institution may request the holder to declare it as a contact when making an account. It may be

Next, the acceptance server 25 starts connection to the user telephone terminal 29 of the acquired registered telephone number destination in S720, and determines in S730 whether the connection is successful. Here, the reception server 25 uses the user telephone terminal 2
If it is determined that the connection can be made to S9, the process proceeds to S740, and if it is determined that the connection cannot be made (No in S730), S7
At 35, it is judged whether the number of connections exceeds a predetermined number,
Until it is determined that the predetermined number of times has been exceeded or the connection with the user telephone terminal 29 is successful, the connection is repeatedly attempted to the user telephone terminal 29 of the registered telephone number destination (S720).

After this processing, if the connection with the user telephone terminal 29 is successful, the reception server 25 sends the transfer and transfer request contents transmitted from the relay server 7 in S740 to the user on the telephone terminal side. The user is instructed by voice and further inquires as to whether or not payment can be executed with the content of this request. At this time, the user is instructed by voice to press a predetermined number button on the telephone terminal when payment can be performed. Note that this voice guidance is performed by the reception server synthesizing a voice signal corresponding to the request contents of the transfer and the transfer.

After that, the reception server 25 determines in S750 whether or not a command (a signal corresponding to a predetermined number button) to execute the settlement within the predetermined time after the guidance is input by the user. If it is input, the financial institution side terminal 3 is allowed to make a payment and is executed (S76).
0). On the other hand, if the user does not input a payment execution command even after a lapse of a predetermined time, or if a command not to execute payment is input, the process is executed without performing the process of S760. finish.

In this case, the settlement is not performed until the user's confirmation is obtained. Therefore, the processing executed by the relay server 7 is performed by the transfer or transfer request to the financial institution side. End when That is, in the system, the relay server 7 transfers the funds on the relay server side described in the account inquiry system 1 (see FIG. 9).
(See (a)), the processing up to S630 is performed, and S
It is configured not to execute the processing after 640.

Similarly, the WWW server 13 is
In the WW server-side fund transfer process, the processes up to S330 are performed, and the processes after S340 are not performed. Therefore, when the transfer or transfer request is made to the financial institution side, the user cannot confirm the transfer or transfer result, but instead, if the user connects to the account inquiry system 1'again to inquire about the account again. The user can check the transfer and transfer results from the inquiry content.

The account inquiry system 1'has been described above. However, according to the account inquiry system 1 ', the user cannot confirm the user's confirmation so that the user cannot confirm the user's transfer or transfer. You don't have to worry about fraudulent transfers or transfers. In particular, it is convenient to use it at home where passwords and the like are likely to be known, because it is possible to prevent someone in the family from trying to transfer funds without permission.

If the contact telephone terminal is a mobile phone or the like, even if the person in charge of the company who is in charge of accounting is out, the person in the company makes the transfer and the transfer request to the financial institution side. In this case, the person in charge can make final transfer and transfer authorizations outside the company.

Although the acceptance server 25 is installed in each financial institution in the account inquiry system 1 ', the system is configured such that the relay server 7 executes the settlement permission process without providing such an acceptance server. You may. In other words, before requesting the transfer of funds to the financial institution side (before executing S630), the relay server 7 sends the public telephone line network 27
By connecting itself to the user telephone terminal 29 and confirming that the user may execute the payment, the same effect as that of the account inquiry system 1 ′ can be obtained.

Besides, in the above embodiment, the user side terminal 15 is connected to the account inquiry system 1, 1'via the Internet 5, but the account inquiry system 1 is
The WWW server 13, the authentication server 11, the relay server 7, and a single connection center having the same functions as the account information DB 9 are provided, and the connection center and the user side terminal 15 are connected by a public telephone line network. You may do it. Further, when the account inquiry system 1 is configured using such a connection center, the user side is forced to pay a financial burden such as a telephone line usage fee, but it is transmitted at the time of telephone connection. The user's telephone number can be used as authentication information, and a malicious person can be prevented from invading the system by masquerading as a legitimate user.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing a configuration of an account inquiry system 1 of the present embodiment, which is a block diagram.

FIG. 2 is an explanatory diagram showing a configuration of various screens displayed by the WWW server 13 on the user side terminal 15 during the WWW server side inquiry process.

FIG. 3 is an explanatory diagram showing a configuration of a fund transfer account input screen according to the present embodiment.

FIG. 4 is an explanatory diagram showing a configuration of a fund transfer result display screen according to the present embodiment.

FIG. 5 is a flowchart showing an authentication process executed by the authentication server 11.

FIG. 6 is a flowchart showing various processes executed by the WWW server 13.

FIG. 7 is a flowchart showing registered account list presentation processing executed by the relay server 7.

FIG. 8 is a flowchart showing a relay server-side inquiry process executed by the relay server 7.

FIG. 9 is a flowchart showing a relay server-side fund transfer process executed by the relay server 7.

FIG. 10 is a block diagram showing a configuration of an account inquiry system 1 ′ as a modified example.

FIG. 11 is a flowchart showing a payment permission process executed by the reception server 25.

[Explanation of symbols]

1, 1 '... Account inquiry system 3 ... Financial institution terminal
5 ... Internet 7 ... Relay server 9 ... Account information DB 11 ... Authentication server 13 ... WWW server 15 ... User side terminal 17 ...
Inquiry account designation input screen 19 ... Inquiry result display screen 21 ... Fund transfer account input screen 23 ... Fund transfer result display screen 25 ... Reception server
27 ... Public telephone network 29 ... User telephone terminal

Claims (7)

[Claims] 1. According to a request from a user terminal connected through a network, a user makes an inquiry request for a user's account to a financial institution terminal having an account, and uses the inquiry result. An account inquiry system for presenting to a user side terminal, wherein an account information database in which account information representing the financial institution account of the user is registered in advance, and a connection request from the user side terminal to the system is made, An authentication unit that obtains authentication information from the user terminal and permits the inquiry request from the user terminal when the authentication information belongs to a user registered in advance, and an inquiry is made by the authentication unit. When an account inquiry request is made from the user terminal that is permitted to make a request, the account information of the user corresponding to the inquiry request is read from the account information database,
Based on the account information, an inquiring means for making an inquiry request of the user's account to the financial institution side terminal which the user has an account, and each of the inquiries from the financial institution side terminal by the inquiry request of the inquiring means. A query result presenting means for acquiring the inquiry content of the account, converting the inquiry content into inquiry data that can be displayed as a list on the user side terminal, and transmitting the inquiry data to the user side terminal. Account inquiry system. 2. When the authentication unit permits the inquiry request from the user side terminal, the account information of the user who permitted the inquiry request is read from the account information database, and the system inquires based on the account information. Possible account generating means for generating account data capable of displaying a list of all possible accounts on the user side terminal, and transmitting the account data to the user side terminal, wherein the inquiring means is the inquirable account After the presenting means transmits the account data to the user side terminal, the inquiry target account transmitted from the user side terminal together with the inquiry request is read out, and the inquiry request for the inquiry target account is sent to the corresponding financial institution side. The account inquiry system according to claim 1, wherein the account inquiry system is performed for a terminal. 3. The inquiry result presenting means generates inquiry data capable of displaying a list of inquiry results for each account in balance order on the user side terminal, based on balance information included in the inquiry contents for each account, The account inquiry system according to claim 1 or 2, wherein the account inquiry system transmits the account to the user side terminal. 4. After the inquiry result presenting means transmits the inquiry data to the user side terminal, a transfer or transfer request from the user side terminal using the account included in the inquiry data as a withdrawal source is made. If there is, the money transfer means for making the transfer request or the transfer request to a financial institution side terminal corresponding to the account based on the account information, any one of claims 1 to 3, characterized in that Account inquiry system described in. 5. The inquiry means, when the transfer request or the transfer request is made by the fund transfer means,
The account inquiry system according to claim 4, wherein an inquiry request for the account of the withdrawal source is made to a terminal of the financial institution side corresponding to the account of the withdrawal source. 6. The inquiry means, when the transfer request or the transfer request is made by the fund transfer means,
The deposit destination account that is deposited by the transfer request or the transfer request is the same user account as the withdrawal source account, and
It is determined whether the account can be inquired by the system, and if the deposit account is the same user account as the withdrawal account and the system can be inquired by the system, the deposit account 6. The account inquiry system according to claim 4 or 5, wherein an inquiry request for a deposit destination account is made to a financial institution side terminal corresponding to the account. 7. The user telephone corresponding to the contact telephone number of the account of the withdrawal source registered in advance via the public telephone line network when the fund transfer means makes the transfer request or the transfer request. Call the terminal and inquire whether or not the financial institution side terminal should execute the settlement corresponding to the transfer request or the transfer request, and the settlement execution command is input from the user telephone terminal by the external operation of the user. The account inquiry system according to claim 4, further comprising a permitting unit that permits the financial institution side terminal to execute the settlement.