JP2003272032A - Account transaction managing device and account transaction managing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account transaction managing device capable of enabling a user to easily enter transaction contents in a user's account, improving the convenience for the user, and reducing the cost for the management of unentered transaction data. <P>SOLUTION: This account transaction managing device 1 acquires the transaction data of the transaction with respect to an account from a plurality of banks 2, and manages the transaction data of every account in a transaction data storing part 15. The user acquires the transaction information of the user's account opened in the arbitrary bank 2 only by transmitting the request for output of the account to the account transaction managing device 1 to easily confirm the transaction contents. The transaction contents can be easily printed on a bankbook and the like, which improves the convenience for the user, and further as the unentered transaction data can be reduced, the cost for managing the unentered transaction data can be remarkably reduced. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account transaction management device and an account transaction management method for managing transaction data relating to transactions with an account opened in a financial institution, and in particular, a transaction content passbook based on the transaction data. The present invention relates to an account transaction management device and an account transaction management method suitable for recording in a medium such as.

[0002]

2. Description of the Related Art Conventionally, a bank, which is a financial institution, uses a CD
(Cash Dispenser) and ATM (Auto
An automatic transaction processing device such as a material teller's machine) is used for deposit / withdrawal transactions using a cash card. Banks also offer an account deduction service that deducts electricity, gas, and telephone charges from the user's account. Further, recently, an automatic transaction processing device (so-called convenience store ATM) is installed in a store such as a convenience store so that a deposit / withdrawal transaction using a cash card can be performed at a familiar store without going to a bank.

Each time a transaction for an account is processed, transaction data relating to the processed transaction is generated. The transaction data includes transaction date, transaction amount, transaction content (deposit, withdrawal, debit, transfer, etc.), account balance after transaction, and the like. At each bank, transaction data is managed (stored) at the center of the bank for each transaction performed without using a passbook,
When a transaction using a passbook is made, a transaction related to all transaction data stored in the center of the bank in question for the transaction account, and this transaction, the transaction content is entered in the passbook ( It was printed). The transaction data entered in the passbook is deleted from the center, and the transaction data this time is not stored in the center.

As described above, in the bank, the transaction data not recorded in the passbook (hereinafter referred to as unrecorded transaction data) is managed by the center in order to record the transaction contents in the passbook. .

[0005]

However, since the printing format of the transaction contents in the passbook is different for each bank, the transaction contents are recorded in the passbook unless the user goes to the store (head office or branch) of the bank where the account is located. It was not possible to do so and it was troublesome for the user. Especially for users who have accounts in different banks, it is very inconvenient because it is necessary to go to the store of each bank that has an account to record the transaction details in the passbook for all accounts. It was For example, A
For users who have accounts in Bank B and Bank B, Bank A and Bank B must be visited unless they go to Bank A's store and Bank B's store.
I could not record the transaction details in the passbook for the bank account.

As described above, it is inconvenient and inconvenient for the user to check the transaction status of his account.

[0007] In addition, deposit and withdrawal transactions using a cash card are often conducted without using a passbook, and further, transactions using an account withdrawal service and transfer transactions are originally transactions that do not use a passbook.
There is a large amount of unrecorded transaction data stored in the center.

It should be noted that the CD and the convenience store ATM are not originally provided with a function of recording transaction contents in a passbook.

In addition, for deposit / withdrawal transactions that do not use a passbook (deposit / withdrawal transactions with a cash card), use a bank that does not have an account, a store where a convenience store ATM is installed, etc. You can do it. In particular, recently, deposit / withdrawal transactions at stores where convenience store ATMs are installed have increased, and conversely deposit / withdrawal transactions using bankbooks at bank stores have decreased, and unregistered transaction data stored in the center. Is on the rise. For this reason, banks have a problem of increasing costs for managing unrecorded transaction data.

An object of the present invention is to enable the user to easily record the transaction contents of his / her own account, thereby improving the convenience of the user and reducing the transaction data of the unregistered account. An account transaction management device capable of reducing the cost required to manage the transaction data of the unrecorded book,
And to provide an account transaction management method.

[0011]

The account transaction management device of the present invention has the following configuration in order to solve the above problems.

(1) Transaction data including account number, transaction date, transaction amount, transaction type, and post-transaction account balance regarding transaction for an account processed by a financial institution from a plurality of financial institutions An acquisition means, a transaction data management means for managing the transaction data acquired by the transaction data acquisition means for each account, and an output request for the transaction data to an account in which the transaction data management means manages the transaction data. Output request receiving means for receiving,
Transaction data output means for outputting the transaction data managed by the transaction data management means for the account for which the output request acceptance means has accepted the output request.

In this configuration, the transaction data acquisition means acquires transaction data from a plurality of financial institutions for each transaction for the account processed by the financial institution. The transaction data includes an account number, transaction date, transaction amount, transaction type, and account balance after transaction. The transaction data management means manages transaction data of transactions processed by a plurality of financial institutions for each account. When the output request receiving means receives an output request of the transaction data for the account in which the transaction data is managed by the transaction data managing means, the transaction data outputting means outputs the transaction data of the requested account.

If the transaction data output means outputs the requested transaction data of the account as print data, the user can easily confirm the transaction status of his / her own account. In particular, for users who have accounts at multiple financial institutions, the transaction status of each account can be checked very easily by simply making an output request for each account, and account management is also easy. You can do it.

Further, since the transaction status of each account can be confirmed very easily, many users can regularly confirm the transaction status of their own account. Since the transaction data output by the transaction data output means is the transaction data notified to the user, it may be deleted from the transaction data management means. Therefore, the total amount of transaction data managed by the transaction data management means can be suppressed, and the cost for managing the transaction data can be reduced.

As described above, the convenience of the user can be greatly improved, and the cost for managing the transaction data can be reduced.

(2) Regarding transaction for an account processed by a financial institution, transaction data including an account number, a transaction date, a transaction amount, a transaction type, and an account balance after the transaction is acquired from a plurality of financial institutions. An acquisition means, the transaction data acquired by the transaction data acquisition means are managed for each account, and the transaction data management means for managing the account number of the user for each user are managed by the transaction data management means. Output request receiving means for receiving the output request of the transaction data for the user of the account, and transaction data managed by the transaction data managing means for the user who receives the output request by the output request receiving means. Transaction data output means for outputting the transaction data, the output request includes period data for designating a period of the transaction data to be output. Ri, the transaction data outputting means outputs the transaction data of the period specified by the period data.

In this configuration, the transaction data acquisition means acquires transaction data from a plurality of financial institutions for each transaction for the account processed by the financial institution. The transaction data includes an account number, transaction date, transaction amount, transaction type, and account balance after transaction. The transaction data management means manages transaction data of transactions processed by a plurality of financial institutions for each account. Further, the transaction data management means manages an account for each user. The output request receiving means receives an output request of the transaction data for the user of the account whose transaction data is managed by the transaction data managing means. This output request includes period data that specifies the period of the transaction data to be output. The transaction data output means outputs the transaction data for the period designated by the period data for each account of the corresponding user.

Thus, the user can easily confirm the transaction status of his / her own account for the designated period. Especially for users with multiple accounts,
It is very convenient because you can check the transaction status of each account for the specified period at once.

(3) Regarding transaction for an account processed by a financial institution, transaction data including an account number, a transaction date, a transaction amount, a transaction type, and an account balance after the transaction is acquired from a plurality of financial institutions. An acquisition means, the transaction data acquired by the transaction data acquisition means are managed for each account, and the transaction data management means for managing the account number of the user for each user are managed by the transaction data management means. Output request receiving means for receiving the output request of the transaction data for the user of the account, and transaction data managed by the transaction data managing means for the user who receives the output request by the output request receiving means. Transaction data output means for outputting the transaction data, and the output request includes a period data including period data specifying a period of the transaction data to be output. Force request and an account output request for designating an account of the transaction data to be output, and the transaction data output means is configured to, when the output request acceptance means accepts the period output request, perform the period specified by the period data. When the output request receiving means receives the account output request, the transaction data of the corresponding account is output.

This structure is a combination of the above (1) and (2), and has both effects described in the above (1) and (2).

(4) When the output request receiving means receives the account output request, the transaction data outputting means deletes the transaction data output from the transaction data managing means from the transaction data managing means. ing.

In this configuration, the transaction data output when the account output request is accepted is deleted from the transaction data management means.

As described above, the transaction data output by the transaction data output means is the transaction data notified to the user, so there is no problem even if it is deleted from the transaction data management means. Therefore, the total amount of transaction data managed by the transaction data management means can be suppressed,
The cost of managing the transaction data can be reduced.

Further, the transaction data output when the period output request is accepted may be deleted from the transaction data management means, but the user who makes the period output request may use any account in his / her own account during the designated period. In many cases, the purpose is to confirm whether a transaction has been performed, and it is considered that the account output request is made later and the transaction status of the account is managed by the output transaction data. For this reason, it is preferable that the transaction data output when the period output request is accepted is not deleted from the transaction data management means but left.

(5) The transaction data output means, when the output request receiving means receives the account output request,
Output the transaction data of the corresponding account as print data in page units.

In this configuration, since the transaction data is output as print data in page units, it is possible to easily manage the printed matter on which the transaction content is printed.

(6) The transaction data output means, when the output request receiving means receives the account output request,
The print data of the first page of the transaction data output this time is created according to the print data of the last page of the transaction data output last time for the corresponding account.

With this configuration, the print data of the last page of the transaction data output last time and the print data of the first page of the transaction data output this time can be created so as to be the print data for one sheet. . Thus, by using the last page of the previous time as the first page of this time, it is possible to eliminate useless blank space on the paper on which the transaction data is printed. In particular, when a booklet type passbook is used as a sheet for printing transaction data, the passbook can be effectively used.

[0030]

BEST MODE FOR CARRYING OUT THE INVENTION A financial system to which an account transaction management device according to an embodiment of the present invention is applied will be described below.

FIG. 1 is a diagram showing a configuration of a financial system to which an account transaction management device according to an embodiment of the present invention is applied. In FIG. 1, reference numeral 1 is an account transaction management device according to an embodiment of the present invention. Host devices of a plurality of banks 2 are connected to the account transaction management device 1 via a dedicated line or the like so that data communication is possible. The host device of the bank 2 is a CD (Cash)
Dispenser), ATM (Automatic)
An automatic transaction processing device 3 such as Teller's Machine) and a terminal device (not shown) operated by an operator are connected. In addition, an automatic transaction processing device (so-called convenience store A) installed in a store such as a convenience store.
TM) is also connected to the host device. Further, 4 shown in FIG. 1 is a passbook processor for printing transaction contents on a passbook,
Reference numeral 5 is a personal terminal such as a personal computer, a mobile phone, or a PDA owned by the user. Account transaction management device 1
Are connected to a plurality of passbook processors 4 via a private line or a public line so that data communication is possible. The passbook processor 4 is installed at a place where many unspecified users can use, such as a store of the bank 2, a convenience store, and a station. Further, the account transaction management device 1 and the personal terminal 5 are connected via a network 6 such as the Internet so that data communication is possible.

Regarding the connection of the host device of the bank 2, the passbook processor 4, and the personal terminal 5 to the account transaction management device 1 as long as data communication can be performed between the two devices,
Connections other than the above may be used.

FIG. 2 is a diagram showing the configuration of the account transaction management apparatus according to the embodiment of the present invention. Account transaction management device 1
Includes a control unit 11 that controls the operation of the main body, a first communication unit 12 that controls data communication with the host device of the bank 2,
Second communication unit 1 for controlling data communication with passbook processor 4
3, a third communication unit 14 that controls data communication with the personal terminal 5, and a transaction data storage unit 15 that stores and manages transaction data transmitted from the host device of the bank 2. .

The transaction data storage unit 15 stores the management data file 15a shown in FIG. The management data file 15a corresponds to user information including a user name for each user and a user identification code for identifying the user, and information on an account opened by the user (hereinafter referred to as account information). It is the attached file. The account information includes a bank name (including a branch name) in which the account is opened, an account type (normal, fixed term, etc.), an account number, a last line of printing, and transaction data. The last line of printing will be described later. In addition, in FIG. 2, one transaction data is shown by a card with a square in which a code is attached. Transaction data includes transaction date, transaction amount,
Transaction types (deposit, withdrawal, withdrawal, transfer, etc.), account balance after transaction, etc. are included. Management data file 1
The transaction data managed by 5a does not include the account number.

The operation of this financial system will be described below.

First, the operation of the bank 2 when a transaction is made for an account will be described. For transactions to the account, the user uses a cash card in the automatic transaction processing device 3 to make a deposit or withdrawal transaction, an electricity fee, a gas fee, a telephone fee, etc.
There are transactions involving the transfer of money to an account by another person. These transactions are well known and will not be described here.

The transaction data of the transaction for the account is transmitted to the host device of the bank 2 in real time. The host device of the bank 2 has a user's name, address, and personal identification number of a cash card for each account (hereinafter, simply referred to as a reef number).
The personal information such as the above and the current account balance of the account are stored and managed. The host device of the bank 2 updates the account balance of the corresponding account based on the transmitted transaction data. Then, this transaction data is transmitted to the account transaction management device 1.

The host device of the bank 2 may be configured not to store (not manage) the transaction data transmitted to the account transaction management device 1, or may store the transaction data for a predetermined period, for example, for one week. Alternatively, the transaction data may be stored a predetermined number of times, for example, 10 times, for each account. As will be described later, the account transaction management device 1 manages transaction data (hereinafter referred to as unregistered transaction data) in which the user has not printed the transaction details on the passbook. The host device of the bank 2 is released from management of unrecorded transaction data.

FIG. 4 is a flowchart showing a transaction data receiving process (a process of receiving transaction data transmitted from the host device of the bank 2) in the account transaction management device.

The host device of the bank 2 tells the account transaction management device 1 the bank name, account number, transaction date, transaction amount,
Transaction data including transaction details (deposit, withdrawal, withdrawal, transfer, etc.) and account balance after transaction is transmitted in real time.

The account transaction management device 1 includes the first communication unit 12
When the transaction data transmitted from the host device of the bank 2 is received at (s1), the management data stored in the transaction data storage unit 15 using the bank name and the account number included in the received transaction data. The file 15a is searched (s2), and the received transaction data is added to the account information of the corresponding account (s3).

If the host device of the bank 2 is made to transmit the user identification code together with the transaction data to the account transaction management device 1, the user identification code is received in the account transaction management device 1 which has received the transaction data. Can be used to search for the corresponding user from the management data file 15a, and then to search for the corresponding account from the accounts associated with the user to add transaction data, which shortens the processing time. Can be achieved.

The account transaction management device 1 does not add the transaction data transmitted from the host device of the bank 2 to the management data file 15a as it is, but extracts the bank name and the account number in s3. Is added to the management data file 15a.

When the processing of s3 is completed, the account transaction management apparatus 1 returns to s1 and waits for new transaction data to be transmitted from the host device of the bank 2.

In the above processing, the transaction data transmitted from the host device of the bank 2 to the account transaction management device 1 may be in a predetermined format, or may be a format uniquely determined by each bank 2. May be. In the case of a predetermined format, the host device of the bank 2 converts the format of transaction data and transmits it. On the other hand, when each bank 2 has a format determined uniquely, the transaction data received by the account transaction management device 1 is converted into an appropriate format (the above predetermined format) and added to the management data file 15a.

Next, the account transaction management device 1 and the passbook processor 4
The operation between will be described. FIG. 5 is a block diagram showing the configuration of the passbook processor. The passbook processor 4 includes a control unit 21 for controlling the operation of the main body and an operation unit 22 operated by the user.
And a display unit 23 that displays a screen according to the operation state of the main body
And a printing unit 24 for printing transaction details on a passbook accepted by the main body or a sheet built in the main unit, and a communication unit 25 for controlling data communication with the account transaction management apparatus 1. The operation unit 22 may be a touch panel arranged on the screen of the display unit 23, or may have a configuration in which keys are provided on the main body. The passbook processed by the passbook processor 4 is a booklet type passbook having a predetermined size. Each page may be blank or may be printed with a frame suitable for the print format.

6 to 8 are flowcharts showing the operation of the passbook processor, and FIG. 9 is a flowchart showing transaction data output processing in the account transaction management apparatus. As described above, the passbook processor 4 is connected to the account transaction management apparatus 1 via the public line or the dedicated line so as to be capable of data communication. The passbook processor 4 is installed at a place where an unspecified number of people gather, such as a store of the bank 2, a convenience store, and a station.

The user of the passbook processing machine 4 inserts an ID card in which his or her identification code is recorded into the passbook processing machine 4.
When the ID card is inserted into the passbook processor 4 (s11),
The identification code recorded on the ID card is read (s12). Further, a screen requesting the input of processing contents is displayed on the display unit 23 (s13) (see FIG. 10).

The processes that can be performed by the passbook processor 4 are the process of printing the transaction contents of the designated account in the passbook (hereinafter referred to as the first printing process), and the transaction contents of the designated account being set in the main body. The process of printing on paper (hereinafter referred to as the second printing process), the process of printing the transaction details of each user's account on the paper set in the main body for the specified period (hereinafter referred to as the third printing) It is called processing). The above is the process performed for the account output request according to the present invention, and the above is the process performed for the period output request according to the present invention. The above is the difference between printing the details of the transaction on the passbook or on the paper set in the main body. The size of the paper set in the main body and the size when the passbook is opened are the same size.

The user selects a desired processing content on the operation unit 22. The passbook processor 4 is from s14 to s16
Accepts the selection of processing contents by the user.

First, the case where the first print process is selected first will be described. When the first printing process is selected, the passbook processor 4 accepts the entry of the passbook (s1).
7). The user enters a passbook by opening a page for printing the transaction details. When the passbook processor 4 accepts the entry of the passbook, the communication unit 25 transmits the account output request A including the user identification code acquired in s2 to the account transaction management apparatus 1 (s18), and the account output request is sent. It waits for the information (response message) relating to the account to be transmitted from the account transaction management device 1 for A (s19).

The account transaction management device 1 includes the second communication unit 13
In the step S5, it waits for the account output request A or the period output request described later to be transmitted from the passbook processor 4 (s5).
1, s52). The account transaction management device 1 includes a second communication unit 1
3 receives the account output request A, the management data file 15a is searched using the user identification code included in the account output request A, and the account information is read for all the accounts of the user (s53). . The account transaction management device 1 uses s5 as a response message to the account output request A.
The bank name, type, and account number of each account whose account information was read in 3 are transmitted to the passbook processor 4 (s54), and the passbook processor 4
Wait for account output request B to be sent from (s5
5).

The passbook processor 4 makes an account output request A at s19.
Upon receiving the response message to the user, it requests the designation of an account to output the transaction details (s20). At this time, the display unit 23
As shown in FIG. 11, on the screen of the account transaction management device 1
The user's account included in the response message sent from is displayed. The user designates the account to which the transaction content is to be output, from the accounts displayed on the screen of the display unit 23. This account can also be designated on the screen of the display unit 23 (by a touch panel). When the account for which the transaction content is output is designated (s21), the passbook processor 4 transmits an account output request B including the account number of the designated account to the account transaction management device 1 (s22).

The account transaction management system 1 includes the second communication section 13
When the account output request B is received at (s55), all the transaction data of the corresponding account registered in the management data file 15a is read using the account number included in the account output request B (s56). The account transaction management device 1 edits the transaction content based on the transaction data read in s56 into print data in page units (s57), and outputs (s58).

In s57, the print data of the first page is edited according to the print data of the last page output last time for the account designated this time. Specifically, the print data of the first page is edited so that it can be printed continuously on the last page on which the transaction details were printed last time. For example, if the last page on which the transaction details were printed last time is in the state shown in FIG. 12A, the first page is shown in FIG.
As shown in (B), the part where the previous transaction details are printed (Fig. 1
Edit the print data so that the transaction content is not printed in the part surrounded by the broken line shown in 2 (B). In order to enable this editing, the management data file 15a shown in FIG. 3 is provided with data of the last line of printing as account information. For example,
If the last line to be printed is 13 lines, the blank print data for 13 lines is edited for the first page.

The account transaction management device 1, after outputting the print data in page units edited in s57 in s58, waits for a response from the passbook processor 4 which transmitted the print data in page units (s59).

When the passbook processor 4 receives the page-by-page print data regarding the transaction content from the account transaction management apparatus 1 (s23), it prints the first page received on the passbook accepted in s17 (s24). Here, the passbook processor 4
If the state of the passbook inserted in the state is the state in which the last page on which the transaction content is printed last time is opened, the current printing is performed after the previous printing as shown in FIG. Therefore, the passbook can be effectively used.

When the printing of the first page is completed, the passbook processor 4 determines whether the print data of the next page is included in the print data of the page unit received from the account transaction management apparatus 1 (s25). If there is print data for the next page,
While returning the passbook accepted in s17 to the user, a page for printing the transaction content on the next page is opened and a screen for instructing to re-enter the passbook is displayed (s26) (FIG. 14).
(See (A)).

Here, in the case where the function of turning over the page of the passbook is provided in the main body of the apparatus and the printing of the next page is automatically performed like the well-known ATM installed in the conventional bank,
If the transaction details of another account of the user are printed on the next page, the transaction details may be overprinted. Therefore, in this embodiment, the main body of the apparatus is not provided with a page turning function, but the passbook inserted in the main body is once returned to the user, and the user opens the page for printing the transaction contents and re-enters it.

When the passbook is re-input (s27), the passbook processor 4 prints the next page (s28) and s25.
Then, the above process is repeated. On the other hand, when it is determined in s25 that there is no next page, the passbook accepted in s17 is released and the transaction details of other accounts are output (printed).
A screen for confirming whether or not to display is displayed on the display unit 23 (s29) (see FIG. 14B). Here, if the user inputs that the transaction details will be printed for another account (s3
0), re-input of the passbook is accepted (s31). The user opens the page for printing the transaction details and re-enters the passbook. When the passbook processor 4 receives the re-input of the passbook, the process returns to s20 and repeats the above process.

Note that the user may re-enter the same passbook as the one in which the transaction details were previously printed, or another passbook. If you re-enter the same passbook, you can manage the transaction details of multiple accounts with one passbook.
In addition, when another passbook is re-entered, the transaction contents can be managed by dividing the passbook for each account.

When the process end is selected in s30, the passbook processor 4 releases the ID card accepted in s11 (s
32), the communication unit 25 notifies the account transaction processing device 1 of the end of processing (s33), and this processing ends.

When the account transaction management device 1 receives a response from the passbook processor 4 in s59, the transaction data of the transaction contents transmitted to the passbook processor 4 in s58 is transferred to the management data file 15a.
And delete the last line of printing (s6
0). Since the transaction data is deleted from the management data file 15a in s60, even if the transaction contents cannot be printed by the passbook processor 4 due to a communication error or the like, the transaction data remains in the management data file 15a. Therefore, there is no problem that the transaction details cannot be printed on the passbook.

If the response received in s60 is the account output request B, the account transaction management system 1 returns to s36 and repeats the above processing (s61 → s36). Account transaction management device 1
Terminates this processing if the response received in s60 is processing end.

As described above, since the user can print the transaction contents on a plurality of accounts in the passbook with one operation in the passbook processor 4, it does not take much time to print the transaction contents on the passbook. In addition, by improving the convenience of users in printing transaction details on passbooks, many users will now print transaction data on passbooks, resulting in a reduction of unregistered transaction data. You can Therefore, the cost of managing unrecorded transaction data can be greatly reduced.

Regarding the printing of transaction contents on the passbook, there is no difference between the banks 2 and they are printed in the same format.

Next, the operation of the passbook processor 4 when the user selects the second print processing will be described. When the second printing process is selected, the passbook processor 4 selects the above s18 to s.
The process of 23 is performed (s34).

Since the operation of the account transaction management system 1 is the same as the case where the first print process is selected, its explanation is omitted here.

When the passbook processor 4 receives the print data for each page of the transaction content from the account transaction management device 1, the passbook processor 4 performs a printing process for printing the transaction content on the paper set in the main body (s35). Upon completion of printing all the received pages, the communication processor 4 displays an output confirmation display of another account on the display unit 23 (s36) (see FIG. 14 (B)), and the user confirms the transaction content of the other account. When printing is input (s37), the processes of s20 to s23 are performed (s38), the process returns to s35 and the above processes are repeated.

When the processing end is selected in s37, the passbook processor 4 releases the ID card accepted in s11 (s32), and notifies the processing end to the account transaction processing device 1 from the communication section 25. (S33), this process ends.

In this way, the user does not use the passbook,
The transaction details can also be printed on the paper set in the main body of the passbook processor 4. The size of the paper set in the passbook processor 4 is the same as the size when the passbook is opened, and the transaction content is printed in the same print format as when the passbook is used. The user can manage the account by filing the paper on which the transaction details are printed on the passbook processor 4.

Further, the passbook processor 4 is set to the third by the user.
When the print process of is selected, the period input request screen for requesting the input of the period for outputting the transaction content is displayed (s39).
(See FIG. 15), the input of the period by the user is accepted (s40). The user inputs the start date and end date of the period. The start date and the end date may be the same day.

When the passbook processor 4 receives the input of the period in s40, it sends an institution output request to the account transaction management apparatus 1 (s41), and the account transaction management apparatus 1 sends the print data of the transaction content. Wait for (s42). The period output request transmitted in s41 includes the user identification code and the start date of the period in which the transaction details accepted in s40 are output,
Contains the end date.

When the account transaction management device 1 receives the period output request from the passbook processor 4 in s32, it searches the management data file 15a using the user identification code included in this period output request, and The user's account information to be read is read (s62). The account transaction management device 1 extracts the transaction data for the period (corresponding period) from the start date to the end date included in the period output request (s63). s63
Then, for all the accounts of the user, the transaction data for the relevant period is extracted. The account transaction management device 1 edits the transaction data extracted in s63 into print data in page units (s64), transmits the print data to the passbook processor 4 (s65), and ends this process.

At s64, the transaction contents based on the transaction data extracted at s63 may be edited into print data arranged in date order, or may be edited into print data arranged in account order and date order.

When the passbook processor 4 receives the print data in page units from the account transaction management device 1 in s42, the passbook processor 4 prints the transaction content on the paper set in the main body (s43),
When the printing is completed, the ID card is released (s44),
This process ends.

When the account transaction management device 1 edits the transaction contents based on the transaction data into print data arranged in chronological order in s64, the passbook processor 4 makes a transaction on paper as shown in FIG. 16 (A). The contents are printed. Further, when the account transaction management device 1 edits the transaction contents based on the transaction data into print data arranged in account order and date order in s64, in the passbook processor 4, as shown in FIG. The transaction details are printed on.

As described above, when the account transaction processing apparatus 1 receives the period output request, the management data file 15
Do not delete the transaction data managed in a. The reason for doing this may be that the purpose of the user who uses the period output request is not to manage the transaction status in the accounts, but it is necessary to check the transaction status for a certain period for all accounts. high. For example, when the user wants to know the account balance for all of his or her own account, it is conceivable to make a period output request that specifies an appropriate period. For this reason,
When the transaction information related to the output transaction content is deleted from the management data file 15a when the period output request is accepted, when the user performs the first print processing or the second print processing at a later date, There is a risk that the transaction details for this period will be missing and the user will not be able to properly manage the account.

By using the output request for this period as described above, the user can confirm the account balance for all of his own accounts. Therefore, the convenience of the user can be further improved.

Further, the user can perform the same processing as the passbook processor 4 on the account transaction management apparatus 1 of this embodiment by using the personal terminal 5. In this case, the transaction data acquired from the account transaction management device 1 is not limited to the print data in page units described above, but can be acquired in the form of voice data, image data, text data, etc. according to the user's request. You may comprise. Further, the transaction data may be transmitted from the account transaction management device 1 to the personal terminal 5 as an attached file of an electronic mail.

As described above, by improving the convenience of the user in printing the transaction content on the passbook or the like, many users can regularly print the transaction data on the passbook or the like, resulting in You can reduce unrecorded transaction data. Therefore, it is possible to reduce the cost required for managing unrecorded transaction data.

Further, the bank 2 is released from management of transaction data of unrecorded book and management of passbook (issue of passbook, etc.). Further, since it is not necessary to provide the passbook processing function in the automatic transaction processing device 3 installed in the store, management of the automatic transaction processing device 3
The cost of operation is reduced and the cost of the apparatus main body is also reduced.

Further, the user can manage a plurality of accounts with one passbook, and the accounts can be easily managed. In addition, as users manage multiple accounts with a single passbook, it is possible to eliminate the waste of passbooks that were issued even for accounts that were rarely traded in the past. The total number can be suppressed and the operating cost can be reduced.

[0084]

As described above, according to the present invention, the transaction contents can be easily printed on the passbook or the like, so that the convenience of the user can be improved.

Further, by improving the convenience of the user in printing the transaction content on the passbook or the like, many users can print the transaction data on the passbook or the like, and as a result, the unregistered transaction. Data can be reduced. Therefore, the cost of managing unrecorded transaction data can be greatly reduced.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a financial system to which an account transaction management device according to an embodiment of the present invention is applied.

FIG. 2 is a diagram showing a configuration of an account transaction management apparatus that is an embodiment of the present invention.

FIG. 3 is a diagram showing a management data file in the account transaction management device according to the embodiment of the present invention.

FIG. 4 is a flowchart showing a transaction data acceptance process in the account transaction management device according to the embodiment of the present invention.

FIG. 5 is a diagram showing a configuration of a passbook process.

FIG. 6 is a flowchart showing an operation of the passbook processor.

FIG. 7 is a flowchart showing the operation of the passbook processor.

FIG. 8 is a flowchart showing the operation of the passbook processor.

FIG. 9 is a flowchart showing transaction data output processing A in the account transaction management device.

FIG. 10 is a diagram showing an example of a display screen on the display unit of the passbook processor.

FIG. 11 is a diagram showing an example of a display screen on the display unit of the passbook processor.

FIG. 12 is a diagram showing an image of a first page of print data in page units edited by the account transaction management device.

FIG. 13 is a diagram showing an example of printing transaction contents in a passbook processor.

FIG. 14 is a diagram showing an example of a display screen on the display unit of the passbook processor.

FIG. 15 is a diagram showing an example of a display screen on the display unit of the passbook processor.

FIG. 16 is a diagram showing an example of printing transaction contents in a passbook processor.

[Explanation of symbols]

1-account transaction management device 2- Bank 3-Automatic transaction processing device 4-Passbook processor 5-Personal terminal 11-control unit 12-first communication unit 13-Second communication unit 14-Third communication unit 15-Transaction data storage unit 15a-Management data file

Claims (9)

[Claims] 1. An account number, a transaction date, a transaction amount, a transaction type, and a transaction for an account processed by a financial institution.
And transaction data including transaction account balance after transaction from a plurality of financial institutions; transaction data management means for managing the transaction data obtained by the transaction data acquisition means for each account; An output request receiving unit that receives an output request for the transaction data to an account in which the data managing unit manages the transaction data, and an account for which the output request receiving unit receives the output request, are managed by the transaction data managing unit. Transaction data output means for outputting the transaction data being processed, an account transaction management device comprising: 2. Regarding the transaction for the account processed by the financial institution, the account number, the transaction date, the transaction amount, the transaction type,
And transaction data including transaction balances after transaction from a plurality of financial institutions, and the transaction data obtained by the transaction data acquisition means is managed for each account and the utilization is performed for each user. Transaction data managing means for managing the account number of a person, an output request receiving means for receiving an output request for the transaction data, and an output request receiving means for the user of the account managed by the transaction data managing means. Transaction data output means for outputting transaction data managed by the transaction data management means for a user who has accepted the output request, and the output request includes a period for designating a period of the transaction data to be output. The transaction data output means includes data, and the transaction data output means outputs the transaction data for the period designated by the period data. 3. An account number, a transaction date, a transaction amount, a transaction type, and a transaction for an account processed by a financial institution.
And transaction data including transaction balances after transaction from a plurality of financial institutions, and the transaction data obtained by the transaction data acquisition means is managed for each account and the utilization is performed for each user. Transaction data managing means for managing the account number of a person, an output request receiving means for receiving an output request for the transaction data, and an output request receiving means for the user of the account managed by the transaction data managing means. Transaction data output means for outputting transaction data managed by the transaction data management means for a user who has accepted the output request, and the output request includes a period for designating a period of the transaction data to be output. There is a period output request including data and an account output request that specifies an account of the transaction data to be output, and the transaction data output means is When the output request receiving means receives the period output request, the transaction data for the period specified by the period data is output. Conversely, when the output request receiving means receives the account output request, the corresponding account is output. Account transaction management device that outputs transaction data of. 4. A transaction data deleting means for deleting from the transaction data managing means the transaction data output by the transaction data outputting means for the corresponding account when the output request receiving means receives the account output request. The account transaction management device according to claim 3. 5. The account transaction according to claim 4, wherein the transaction data output means outputs transaction data of the corresponding account as print data in page units when the output request acceptance means accepts the account output request. Management device. 6. The transaction data output means, when the output request acceptance means accepts the account output request, the transaction output this time according to the print data of the last page of the transaction data previously output for the corresponding account. The account transaction management device according to claim 5, which creates print data for a first page of data. 7. An account number, a transaction date, a transaction amount, a transaction type, and a transaction for an account processed by a financial institution.
And a first step of obtaining transaction data including a post-transaction account balance from a plurality of financial institutions; a second step of managing the transaction data obtained in the first step for each account; The third step of accepting the output request for the transaction data to the account managed in step 2, and the transaction managed in the second step for the account that accepted the output request in the third step. A fourth step of outputting data, and an account transaction management method comprising: 8. An account number, a transaction date, a transaction amount, a transaction type, and a transaction for an account processed by a financial institution.
And a first step of obtaining transaction data including a post-transaction account balance from a plurality of financial institutions, and managing the transaction data obtained in the first step for each account and for each user. The second step of managing the account number of the person concerned, the third step of accepting the output request of the transaction data with respect to the user of the account managed in the second step, and the third step described above. A fourth step of outputting the transaction data managed in the second step for the user who has accepted the output request, and the output request includes a period for designating a period of the transaction data to be output. Data is included, and the fourth step is an account transaction management method for outputting transaction data for a period designated by the period data. 9. An account number, a transaction date, a transaction amount, a transaction type, and a transaction for an account processed by a financial institution.
And a first step of obtaining transaction data including a post-transaction account balance from a plurality of financial institutions, and managing the transaction data obtained in the first step for each account and for each user. Second step of managing the account number of the person concerned, a third step of accepting the output request of the transaction data for the user of the account managed in the second step, and the third step described above. A fourth step of outputting the transaction data managed in the second step for the user who has accepted the output request, and the output request includes a period for designating a period of the transaction data to be output. There is a period output request including data and an account output request that specifies an account of the transaction data to be output, and the fourth step is the period output in the third step. When the request is accepted, the transaction data for the period designated by the period data is output, and conversely, when the account output request is accepted in the third step, the transaction data for the corresponding account is output. Method.