JP2003296567A - Deposit demand and notification electronic message preparation system, method, program and storage medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for preparing a suitable deposit message in accordance with a situation and surely notifying only a person to be notified automatically and promptly. <P>SOLUTION: This system is provided with a data storage means for storing data used for preparing the deposit demand and notification electronic message, a generating means for generating a fixed output result when the data is inputted, a template storage means for storing a wording template in correspondence with the respective output results, and a message extracting means for extracting the wording template in correspondence with the output result generated by the generating means from the template storage means. A secure system is used for transmitting the deposit demand and notification message to a customer. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to the creation of deposit reminder electronic messages and deposit notification electronic messages (hereinafter referred to as "receipt reminder / notification electronic message") relating to financial transactions, and more specifically, appropriate deposit reminder according to the situation. The present invention relates to a deposit reminder / notification electronic message creation system, method, program, and recording medium capable of automatically creating a notification electronic message.

[0002]

2. Description of the Related Art Conventionally, it has been common for banks to notify or oblige a debtor to make a payment regarding a loan obligation, withdrawal of fees, loan repayment schedule, transfer repayment schedule, etc. by telephone or mail. , It took a lot of time and effort for the bank, etc., who is the notifier. In addition, when these notifications are given by telephone or mail, for example, if sufficient payment has already been made at the time of notification, there is a problem that the content of the notification becomes inappropriate. Further, in giving the notification, it is preferable to change the content of the message finely for each customer and according to the situation of each customer, but conventionally, it has been difficult to perform such processing.

Even if the person who receives the notification does not want anyone other than himself to be notified of the fact that the notification has been given, in the case where the notification is given by telephone or mail, it is possible for an unspecified number of people to There was a danger of being known.

Further, it is difficult to raise funds immediately when the party who has received the notification cannot immediately make a deposit.

[0005]

SUMMARY OF THE INVENTION The present invention has been made in order to solve the problems in these conventional techniques, and provides a system and the like for creating an appropriate deposit reminder / notification electronic message depending on the situation. The purpose is to It is another object of the present invention to provide a system that can automatically and immediately notify only the person who receives the notification. Furthermore, the purpose is to automatically solicit a loan to the person who receives the notification in a predetermined case.

[0006]

In order to achieve the above object, the present invention provides a data storage means for storing data used for creating a deposit reminder / notification electronic message, and a constant output result with the data as input. Generating means for generating
A template storage unit that stores a word template corresponding to each output result; and a message extraction unit that extracts the word template corresponding to the output result generated by the generation unit from the template storage unit. It has a feature.

In the above system, the generating means is
A numerical value is assigned to the data, the template storage means stores a wording template corresponding to the numerical value, and the message extracting means is a wording template corresponding to the numerical value assigned by the generating means. May be extracted from the word template storage means. Further, the template storage means may store the data by using N-dimensional coordinates, and the generation means may assign a numerical value corresponding to any of the N-dimensional coordinates to the data.

In the above system, the template storage means may store one word template for one output result. Further, in the above system, the template storage means stores a plurality of wording templates for one output result, and the message extraction means extracts the plurality of wording templates. The notification electronic message creation system may further include selection means for selecting one deposit reminder / notification electronic message from the extracted plurality of wording templates. Further, in this case, a learning means for learning the deposit reminder / notification electronic message selected by the selecting means may be provided.

Further, in the above system, further, the deposit reminder /
Modification means may be provided for modifying a part or all of the notification electronic message. Further, a learning means for learning the deposit reminder / notification electronic message changed by the changing means may be provided.

In the above system, a payment reminder /
A creation determination unit that determines whether or not a notification electronic message should be created may be provided, and a transmission unit that sends the deposit reminder / notification electronic message.

The above system may further include loan solicitation means for soliciting a loan when a predetermined condition is satisfied. Further, a loan approval / disapproval determination means for determining whether or not to accept a loan application may be provided.

The data is account balance, customer attributes,
It is data related to banker's attribute, number of days overdue, type of overdue, size of shortfall, deposit pattern, and style.

In the above system, it is preferable that the transmitting means transmits the deposit reminder / notification electronic message by using a secure function.

Further, according to the present invention, a step of determining whether it is necessary to create a deposit reminder / notification electronic message, and a deposit reminder /
When it is determined that a notification electronic message needs to be created, a step of generating a certain output result in the data used for creating the deposit reminder / notification electronic message, and extracting a word template corresponding to the generated output result And a step of performing.

In the above method, the step of generating the constant output result may assign a numerical value to the data, and the extracting step may extract a word template corresponding to the numerical value. . Further, the wording template is stored using N-dimensional coordinates, and the step of generating the constant output result includes:
A numerical value corresponding to any of the N-dimensional coordinates may be assigned.

In the above method, the number of word templates corresponding to one output result may be one.
There may be a plurality of the word templates corresponding to the one output result, and the method may further include a step of selecting one deposit reminder / notification electronic message from the plurality of extracted word templates. Further, in this case, a step of learning the selected deposit reminder / notification electronic message may be provided. Further, the above method may further include a step of changing a part or all of the extracted deposit reminder / notification electronic message. Further, the method may include the step of learning the changed deposit reminder / notification electronic message.

Further, the above method may further include a step of determining whether or not it is necessary to create a deposit reminder / notification electronic message, and a step of transmitting the deposit reminder / notification electronic message.

The above method may further include the step of soliciting a loan when a predetermined condition is satisfied. Further, a step of determining whether or not to accept the loan application may be provided.

In the above method, the data includes account balance, customer attribute, banker attribute, excess days, overdue type,
It is data about the size of the shortfall, the deposit pattern, and the style.

Further, in the above method, it is preferable that in the transmitting step, the deposit reminder / notification electronic message is transmitted using a secure function.

The present invention can be applied not only as a system but also as a method, a program and a recording medium.

[0022]

BEST MODE FOR CARRYING OUT THE INVENTION 1. Overall System Configuration FIG. 1 shows the overall system configuration of the present invention together with a network and customers connected to the network. The system of the present invention mainly comprises an accounting system host computer (hereinafter referred to as "accounting system host") 1 and a message creation host computer (hereinafter referred to as "message host") 3. These hosts are provided, for example, on the side of a bank (B.K.) that performs notification and reminder of payment.

The accounting system host 1 includes a deposit system for managing account information, an exchange system for transferring money, and management of loans.
It includes various systems related to accounts, such as a loan / loan system for execution and a customer system for managing customer information. In this specification, these systems of the bank are collectively referred to as an accounting host. The accounting host 1 is connected to a database 11 that stores various information related to these systems. This database 11
The information stored in includes the data used for creating the deposit reminder / notification electronic message. The accounting host can input various data into the database 11 and change the contents of those data. The database 11 may be divided into a plurality of databases as a system, or may be one unified database, but it is a concept indicating at least a series of information stored on the system.

The message host 3 is a system for creating a deposit / notification electronic message. However, the message host 3 can also be configured as a part of a system in which a bank provides a banking function via the Internet, instead of an independent system. The message host 3 has an internal interface (I / F) 4
Is connected to the database 12 via the internal I / F 5 and to the accounting system host 1 via the internal I / F 5.

The database 12 stores data used for creating a deposit reminder / notification electronic message. As described above, the database 11 also stores the data used to create the deposit reminder / notification electronic message, but the database 12 stores only the data used to create the deposit reminder / notification electronic message in the database 11. More detailed information is accumulated than the accumulated data.
The message host 3 uses these databases 11 and 12
It is possible to create a deposit reminder / notification electronic message by extracting an appropriate wording template from a plurality of wording templates prepared in advance based on the data accumulated in the, and selecting and changing the wording template. it can.

The message host 3 is further connected to the external I
It is possible to connect to the network NW and each customer 9 connected thereto via / F7. As will be described later, external I / F7
It is preferable that a secure function (S) is provided in order to ensure the transmission of information.

2. Configuration of Database 11 The configuration of the database 11 will be described with reference to FIG. The database 11 includes various data relating to account information such as an account name, an account number, etc., but FIG. 2 particularly shows only the main data used when creating a deposit reminder / notification electronic message for each customer A, B, C. Shown for each. As is clear from this figure, the data used when creating a deposit reminder / notification electronic message includes, for example, account balances, customer attributes, loan balances, transfer reservations, fee deduction categories, fee structures, various execution dates, and overdrafts. There is a setting that allows red remaining during the day.

Here, "customer attribute" is data relating to a customer, for example, an account number. “Transfer reservation” is data regarding whether or not there is a transfer reservation. "Commission deduction category" is
For example, it is data relating to whether the fees for remittance or the like are collectively debited at the end of the month, or deducted every time remittance is performed. “Various execution dates” are data relating to execution dates for performing a predetermined work, such as a day for withdrawing a fee and a day for making a transfer. "Overdraft setting" is data on whether or not the state of non-withdrawal is allowed, and "Intraday red balance allowance" is minus the account balance during the day if payment is made by the end of the day. This is data regarding whether or not to do.

3. Configuration of Database 12 Next, the configuration of the database 12 will be described with reference to FIG. Similarly to the database 11, the database 12 also includes data for each customer A, B, C ... Database 1
The data included in 2 includes, for example, customer attribute, banker attribute, deposit pattern, delinquency type, size of shortfall,
There is a style.

Here, the “customer attribute” is also included in the database 11 as described above, but the customer attribute included in the database 12 includes more detailed information than that of the database 11. For example, this includes company information, that is, the position and address of a customer such as a company officer, a president, or a person in charge. The “bank staff attribute” is information about the bank staff, for example, data such as the post of the bank staff.
The “payment pattern” is, for example, often immediately before the date when the deposit is deducted, often one week before the date when the deposit is deducted, or two weeks after the date when the deposit is deducted. This is data regarding whether or not it is often up to the above. The "delinquency type" is data such as whether the deposit should be a fee, a loan repayment, or a transfer payment. “Large or small amount of shortfall” is data regarding the size of the shortfall amount. The “stylistic style” is data such as whether to use a greeting or a honorific.

4. Structure of Message Host The structure of the message host 3 will be described with reference to FIG. 1 again. 4-1. Template storage unit The template storage unit 35 stores text templates (fixed phrases) necessary for creating a deposit reminder / notification electronic message.
It is stored using N-dimensional coordinates (not shown). That is, a predetermined numerical value corresponding to any of the coordinate positions of the N-dimensional coordinates is assigned to each word template. In other words, each word template is stored in correspondence with each coordinate position of N-dimensional coordinates, that is, a numerical value.

(A) to (X) in Table 1 below are examples of word templates stored in the template storage unit 35 using three-dimensional (x, y, z) coordinates. here,
It is assumed that the x-, y-, and z-coordinates respectively represent the "customer attribute" and "delinquency type" in the various data listed above, and "excess days" described later. The wording template used for creating the deposit reminder / notification electronic message can be extracted by appropriately designating the coordinate position, that is, the values of x, y, and z.

[0033]

[Table 1] Obviously, not only the three-dimensional coordinates shown above, but coordinates of various dimensions can be used according to the number of data types used. For example, two-dimensional coordinates may be used if there are two types of data to be used, and four-dimensional coordinates may be used if there are four types. Further, any data may be used for each coordinate. For example, unlike the above example, the account balance may be assigned to the x coordinate, the excess days may be assigned to the y coordinate, and the customer attribute may be assigned to the z coordinate. Further, a plurality of numerical values may be assigned to one certain word template. In this case, the word template can be extracted by designating the coordinate position, that is, a certain numerical value range, rather than the coordinate position, that is, a certain numerical value.

4-2. Functions of Message Host Various functions provided in the message host 3 will be described below.

4-2-1. Creation Judgment Section The creation judgment section 41 is a section that judges whether or not it is necessary to create a deposit reminder / notification electronic message. The creation determination unit 41 acquires data from the database 12 connected to the message host 3 through the internal I / F 4, and also from the database 11 connected to the accounting host 1 through the internal I / F 5, and the database 11 "Execution date" and the number of excess days is calculated based on the current date, and database 1
Whether or not it is necessary to create a deposit reminder / notification electronic message is calculated by calculating the amount of deficiency based on the "account balance" or "loan balance" of 1.

For example, regarding the excess days, if the excess days are 10 days before the withdrawal execution date, it is judged that it is not necessary to create a receipt reminder / notification electronic message, and if it is 2 days before the withdrawal execution date, the payment reminder / notification is issued. For example, it is determined that an electronic message needs to be created. In this regard, in practice, if the usage fee cannot be deducted, the creation judgment unit 41 creates (and sends) a deposit reminder / notification electronic message every day from the day of the deduction execution date to 7 business days later. It is decided that it is necessary. When the creation determination unit 41 determines that the deposit reminder / notification electronic message needs to be created, a signal is transmitted to the digitization unit.

With respect to the shortage amount, it is determined whether or not an amount sufficient for withdrawal is present in the account balance, and if it is present, it is determined that it is unnecessary to create a deposit reminder / notification electronic message. On the other hand, compared to the service scheduled to be executed, if the required amount of money has been deposited, it is judged that it is not necessary to create a deposit reminder / notification electronic message, while if the required amount of money has not been deposited, For example, it is determined that it is necessary to create a deposit reminder / notification electronic message.

4-2-2. The digitizing unit 43 (corresponding to “generating means” in the claims) 43 is connected to the database 11 connected to the accounting host 1 and the message host 3 in response to a signal from the creation determining unit 41. The data of each customer is retrieved from the database 12 and a numerical value corresponding to any of the N-dimensional coordinates is assigned to each data. For example, the above-mentioned three-dimensional coordinates, that is, (x,
Taking the (y, z) coordinate as an example, regarding the deposit pattern of the customer attribute (x coordinate) of a certain customer stored in the database 12, 1 is used when the deposit is often immediately before the execution date, If the deposit is often withdrawn one week before the execution date, 2 is given, if the deposit is often withdrawn more than 2 weeks before the execution date, then 3 is given. For y-coordinates), 1 for fees, 2 for repayment of loans, 3 for transfers, and
Regarding the number of excess days (z coordinate), 1 for the day of withdrawal execution, 2 for within 6 business days from the day of execution,
It is 3 for 7 business days after the day of execution. Allocate such a numerical value to all the data necessary for creating the deposit reminder / notification electronic message.
By digitizing these values, the customer can be positioned at a certain position in, for example, three-dimensional coordinates. For example, customer A
Is (x, y, z) coordinates (1, 1, 1), customer B is (1, 2, 2), customer C is (2, 3, 3), and so on. Note that the digitization can be appropriately weighted according to the type of data.

4-2-3. The extraction unit extraction unit 45 extracts the wording template corresponding to the numerical value assigned by the digitization unit 43 from the wording templates shown in Table 1. For example, the digitization unit 4
For the customer A assigned (1, 1, 1) by 3, the word template A in the table is (1, 2,
The wording template of E is extracted for the customer B assigned with 2), and the wording template of K is extracted for the customer C assigned with (2, 3, 3).

As is apparent from these word templates, for example, looking at the type of overdue on the y coordinate, a numerical value of 1 was assigned (the type of overdue is a fee).
For customer A, the wording template includes the wording “withdrawal of usage charge (see A's wording template)” and is assigned a numerical value of 2 (delinquency is repayment of loan). Includes the word "repayment (see Oh's word template)",
Further, for the customer C to whom the numerical value of 3 is assigned (the delinquency type is a transfer deposit), the wording "transfer reservation (see wording template of K)" is included.

Looking at the excess days of the z coordinate,
It can be seen that the style of the text message is stricter for the message to which the numerical value of 3 having a relatively large number of excess days is allocated, than to the message to which the numerical value of 1 having a relatively small number of excess days is allocated. In this way, by preparing an appropriate wording plate according to the numerical value of the coordinates, it is possible to extract an appropriate wording plate according to the situation.

The extracted wording plate is displayed on the operation display unit 4.
7 to the user of the message host 3. If the extracted wording plate is suitable, the sending means can immediately electronically send a message to each customer via the Internet. FIG. 4 shows an example of the message sent to the customer. As shown in this figure, the message sent to the customer includes various information such as “withdrawal amount (tax included)”, “withdrawal account name”, and “withdrawal account” in addition to the wording template. Be done. These various types of information are fetched from the database 11 through the accounting host 1 by the control unit 40 and automatically included in the information to be transmitted from the transmitting means.

4-2-4. The number of word plates extracted corresponding to one numerical value (coordinate position) or one numerical range of the selection unit may be one or plural. When a plurality of word templates are extracted, the plurality of word plates are all shown to the user (not shown) of the message host 3 through the operation display unit 47. The user can freely select an appropriate word template from the plurality of word plates through the selection unit 53. The selected wording template is then transmitted to each customer by the transmission unit 49 and processed by the learning unit 51. By the operation of the learning unit 51, the task of selecting the word template is learned, and when the same word template as the plurality of previously extracted word templates is extracted, the user selects one of the plurality of word templates previously. Only the word templates that have been selected are highlighted in the operation display section 47, and the word templates that have not been selected are shown as they are, or the word template previously selected by the user is first displayed in the operation display section and selected. It is also possible to sequentially show the word templates that have not been executed. Instead of using the learning unit 51, the selected text template may be directly reflected in the template storage unit, that is, the content of the template storage unit may be directly written in the selected text template.

4-2-5. The wording template extracted by the changing unit extracting unit 45 is shown to the user of the message host 3 through the operation display unit 47, but the user can freely change a part or all of the wording template by the changing unit 55. it can. The changed wording template is then transmitted by the transmission means 4
9 is transmitted to each customer and processed by the learning unit 51. By the operation of the learning unit 51, when the changing work for the word template is learned and the previously changed word template is extracted, the word template can be shown on the operation display unit 47 in the changed form. Instead of using the learning unit 51, the changed text template may be directly reflected in the template storage unit 35, that is, the content of the template storage unit 35 may be directly written in the selected text template. Furthermore, it is possible to change the selected word template by the functions of both the selecting unit 53 and the changing unit 55.

4-2-6. A loan solicitation unit 57 and a loan approval / disapproval judgment unit 59 may be provided in association with the loan solicitation unit 57 and the loan approval / disapproval judgment unit so that the party receiving the notification can immediately raise funds. Loan solicitation section 57
Investigates the data retrieved from the database 11 and from the database 12 through the accounting host 1, and, for example, if the period until the execution date of the withdrawal is less than a certain period, or the day before the withdrawal execution date. When predetermined account conditions are met, such as when the account balance in the account is lower than the planned withdrawal amount, electronically send information on the loan content to the customer 9 and apply for the loan application. Links to pages can be enabled. When a loan application is received from the customer 9, the loan approval / disapproval determination unit 59 determines the approval / disapproval of the loan based on the information on the account balance, the arrears history, and the like accumulated in the database 11. When accepting a loan, the customer 9 is notified and a loan is executed.

5. System Operation The operation of the system of the present invention will be described with reference to the flowchart. FIG. 5 shows a first operation example for creating a deposit reminder / notification electronic message. First, in step (ST) 1, the creation determination unit 41 acquires information on deposit from the database 11 of the accounting host 1 and determines whether or not to create a deposit reminder / notification electronic message. If it is determined that it is unnecessary to create the deposit reminder / notification electronic message, the process ends. If the withdrawal has already been completed (it is not necessary to create a deposit reminder / notification electronic message), the control unit 40 sends a withdrawal notification message as shown in FIG.
Sent to. If it is determined in step 1 that a payment reminder / notification electronic message needs to be created, step 2
Then, the digitizing unit 43 assigns a numerical value to the data regarding each customer. Next, in step 3, based on the assigned numerical value, the word template corresponding to the numerical value is extracted from the template storage unit 35. Then, in step 4, when the extracted word template is one previously learned by the learning unit 51, the learning result is reflected in the word template (for example, the previously changed word template is extracted. If the wording template is changed, the wording template is displayed on the operation display unit 47 after being changed). Finally, in step 5, this wording template is sent to the customer.

FIG. 7 is a flow chart showing a second operation example for creating a deposit reminder / notification electronic message.
This flowchart is the same as FIG. 5 from step 1 to step 2. Here, in step 3, a plurality of word templates are extracted instead of one. In step 4, when the extracted word template is one previously learned by the learning unit 51, the learning result is reflected in the word template (for example, only the word template previously selected by the user is operated. The text templates that are highlighted in the display unit 47 and are not selected are shown as they are, or the text templates previously selected by the user are first displayed in the operation display unit and the text templates that are not selected are then displayed. In order). Then in step 5,
The selection unit 53 selects one wording template from the plurality of wording templates. Next, in step 6, the selected text template is (re) learned by the learning unit 51, and finally, in step 7
Send the wording template to the customer at.

FIG. 8 is a flowchart showing a third operation example for creating a deposit reminder / notification electronic message.
This flowchart is the same as FIG. 5 from step 1 to step 4. In step 5, the operation display unit 47
Ask the user if a change is required through. When it is determined that it is unnecessary, the process proceeds to step 7 and the word template is transmitted to the customer. On the other hand, if it is determined in step 5 that it is necessary, the learning unit 51 learns (again) the language template changed in step 6, and the language template is transmitted to the customer in step 7.

FIG. 9 is a flowchart showing an operation example for soliciting a loan. First, the loan solicitation unit 57 determines whether or not the data retrieved from the database 11 through the accounting host 1 satisfies a predetermined condition (step 1). If the predetermined condition is not satisfied, the process ends. On the other hand, when the predetermined condition is satisfied, the information about the loan content is transmitted to the customer and the link to the page for loan application is enabled (step 2). next,
It is judged whether or not a reply from the customer that the customer desires to apply for a loan has arrived (step 3). If no reply is received, the process ends. When the reply is received, the loan approval / disapproval judging section 59 judges whether the loan is acceptable or not (step 4). When the loan is accepted, the customer is notified and the loan is executed (step 5). If the loan is not accepted, the customer is notified (step 6).

6. In order to ensure that only the person receiving the notification is notified of the fact that the secure function notification has been made, the secure function (S) provided in the external I / F 7 is used especially when transmitting the deposit reminder / notification electronic message. It is preferably sent as a secure message. This secure message will be described below with reference to FIGS. 10 to 16.

FIG. 10 shows the mechanism of the secure message. In the system of FIG. 10, messages are transmitted and received between the sender 1 and the receiver 2 using the Web server 3 and the Internet 4. The Web server 3 is provided on the transmission side 1 and is connected to the transmission side 1 without passing through the Internet 4. A firewall 5 is provided between the Web server 3 and the Internet 4 to prevent unauthorized intrusion from the Internet 4.

The Web server 3 is provided with a sending-side mailbox C and a receiving-side mailbox X, and the message A can be exchanged between these mailboxes.

In the embodiment of FIG. 10, both the transmitting side and the receiving side are companies, for example, the transmitting side is a financial institution and the receiving side is the customer X Corporation. FIG. 11 shows an example of a specific exchange of e-mails between the financial institution and the customer. In Figure 11, the bank (our bank)
Information BOX between customer and customer (company A and company B)
The mechanism of (secure message) is shown.

Returning to FIG. 10, individuals belonging to the financial institution on the sending side can access the mailbox C, and individuals E and F belonging to X Co., Ltd. on the receiving side respectively receive the mailbox X. You can access to.

The access from the receiving side is made by the digital certificate (see), whereby the "spoofing",
The risk of “denial” is minimized. Also, it is guaranteed that messages will be exchanged on the Web server inside the firewall (see), and the risk of lost messages and theft / data tampering is minimized. The Web server 3 notifies the receiving side 2 of the arrival of a new message in the mailbox X by SMTP mail (see alert mail), which improves the convenience and allows the receiving side to frequently access the Web server via the Web. Eliminates the hassle of accessing.

The receiving side explicitly informs the transmitting side that the message has been read, so that the transmitting side can manage the message as a list (see browsing confirmation).
Specifically, the explicit transmission from the receiving side to the transmitting side is performed by the receiving side pressing a message confirmation button on the screen of the website, as shown in FIG.
An example of the reception confirmation list is shown in FIG.

The message data in the mailbox of each company is searched, and only the messages for one's own address are picked up from the searched message data using the address as a key. Need not be created (see). Further, a plurality of persons (C, D) on the transmitting side and a plurality of persons (E, F) on the receiving side can refer to the messages in the respective mailboxes C and X. Addresses are implicitly retained in the message data, that is, the recipients do not disclose that there are multiple recipients, and only the messages for the recipients can be referred to. Privileges can be controlled on an individual basis. For example, the message addressed to E in the mailbox is
Only E can be referenced, F cannot be referenced (reference).

FIG. 14 shows an embodiment in which the employee G of X Co., Ltd. opens the mailbox in the secure message mechanism shown in FIG. In the mailbox X, a message (1) from the mailbox D addressed to the employees F and G, a message (2) from the mailbox D addressed to the employees E and F,
A message (3) from the mailbox C addressed to the employees E, F and G is transmitted and stored. If employee G references a message in mailbox X, G
All message destinations are sequentially searched using the ID of the key as the key, and only the matched message data is displayed. That is, only the messages (1) and (3) including G in the destination are displayed.

This procedure is shown in FIG. That is, the N (ie, 3) messages in the mailbox X are read one by one, and the user (ie, G) is read.
It is determined whether or not the ID and the destination match, and only the matched message is temporarily stored in the file, and the message title with the matching ID and destination is displayed on the user screen from the temporary storage file. The address is used as a key for determining a match with the ID, and is not disclosed to the receiving side. Therefore, the employee G sends the message (1) and (3) to whom. You can't know if it's a good thing. In other words, the message data implicitly holds the destination.

FIG. 16 shows an embodiment in which a message is bidirectionally exchanged between the transmitting side and the receiving side by the mechanism of the secure message of FIG. In the example of FIG. 16, messages are exchanged between the bank employees A, B and C of the sender bank, the employees of the receiver company A, and the employees. In the mailbox of the working group BOX of the bank, there are messages addressed to company A-, company A- and company B-, which are transmitted to the mailboxes of companies A and B of the company-side BOX, respectively. In FIG.
Only the mailbox of company A is shown.

The message in the bank mailbox is
Both the created message (MSG) and the received message can be referred to and returned by all the employees A, B, and C, but only the created message, that is, the employee-A, can update the created message. It can be updated. Also, the message in the mailbox of company A is
For both the created message (MSG) and the received message, only the addressed employee and the user can refer to and reply, but only the creator, that is, the employee can update the created message. There is.

Employees who are not designated as recipients are not granted reference authority and cannot refer to them. Company A
At the stage of creating and editing a reply from the company to the bank, not only the creating editor, that is, the employee, but also the employee and the reference can be referred to. The destination of the received message is not disclosed to the receiving side because it is implicitly held in the message data as described above. That is, although there is only one message data, it is assumed that the data is created at each destination.

7. Finally, the system of the present invention may be incorporated into a computer as a program for program processing, or a computer-readable recording medium recording such a program may be provided.

The extraction of the word template from the template storage unit does not necessarily have to be performed by using numerical values (coordinates). For example, each word template is associated with a symbol or a video, and the word template is based on the symbol or the video. May be extracted. In this case, the data used to create the deposit reminder / notification electronic message will be associated with these symbols and images. Furthermore, instead of the digitizing unit that assigns numerical values to data, a constant output result when data is input, for example, a generating unit that generates a hope or a video is used to output these output results and each data. The payment reminder / notification electronic message may be created by associating with each other and extracting the wording template associated with these output results.

[0065]

According to the present invention, it is possible to provide a system for creating a proper deposit reminder / notification electronic message depending on the situation. Further, it is possible to provide a system capable of reliably and automatically transmitting the deposit reminder / notification electronic message only to the person who receives the notification. Further, it is possible to automatically solicit a loan to the party receiving the notification.

[Brief description of drawings]

FIG. 1 is a diagram showing an overall configuration of a system of the present invention.

FIG. 2 is a diagram showing a configuration of a database connected to an accounting host.

FIG. 3 is a diagram showing a configuration of a database connected to a message host.

FIG. 4 is a diagram showing an example of a message transmitted to a customer.

FIG. 5 is a flowchart showing a first operation example for creating a deposit reminder / notification electronic message.

FIG. 6 is a diagram showing an example of a withdrawal notification message.

FIG. 7 is a flowchart showing a second operation example for creating a deposit reminder / notification electronic message.

FIG. 8 is a flowchart showing a third operation example for creating a deposit reminder / notification electronic message.

FIG. 9 is a flowchart showing an operation example for loan solicitation.

FIG. 10 is a schematic diagram showing a mechanism of a secure message.

11 is a schematic diagram showing a mechanism of an electronic information box which is an embodiment in which the secure message of FIG. 10 is applied to exchange messages between a bank and a customer.

12 is a diagram of a website screen showing reception confirmation, which is an example of an explicit transmission from a sender to a receiver in the secure message mechanism of FIG.

FIG. 13 is a diagram showing a reception confirmation list in which the transmission side manages the reception confirmation of FIG. 12;

14 is a schematic diagram showing an example of a case where an employee G of X Co., Ltd. opens a mailbox in the secure message mechanism of FIG.

FIG. 15 is a flowchart of message reading in the embodiment of FIG.

16 is a schematic diagram showing bidirectional message exchange in the secure message mechanism of FIG.

Continued front page    (72) Inventor Hiroaki Nizuma             2-7-1 Marunouchi, Chiyoda-ku, Tokyo             Ceremony Company Tokyo Bank of Mitsubishi

Claims (28)

[Claims] 1. A data storage unit for storing data used for creating a deposit reminder / notification electronic message, a generation unit for generating a constant output result by using the data as input, and a word template corresponding to each output result. A deposit reminder / notification electronic message creation, comprising: a stored template storage means; and a message extraction means for extracting a word template corresponding to the output result generated by the generation means from the template storage means. system. 2. The deposit reminder / notification electronic message creation system according to claim 1, wherein the generation means assigns a numerical value to the data, and the template storage means creates a word template corresponding to the numerical value. A system for storing, wherein the message extracting means extracts a word template corresponding to the numerical value assigned by the generating means from the word template storing means. 3. The deposit reminder / notification electronic message creation system according to claim 2, wherein the template storage means stores the data using N-dimensional coordinates, and the generation means stores the N-dimensional coordinates in the data. A system that assigns a numerical value corresponding to one of. 4. The deposit reminder / notification electronic message creation system according to claim 1, wherein the template storage means is one for each output result.
A system that remembers one wording template. 5. The deposit reminder / notification electronic message creation system according to claim 1, wherein the template storage means stores a plurality of word templates for one output result. The message extracting means extracts the plurality of wording templates, and the deposit reminder / notification electronic message creation system further selects a deposit reminder / notification electronic message from the plurality of extracted wording templates. A system comprising. 6. The deposit reminder / notification electronic message creating system according to claim 5, further comprising a learning unit for learning the deposit reminder / notification electronic message selected by the selecting unit. 7. The deposit reminder / notification electronic message creation system according to claim 1, further comprising changing part or all of the deposit reminder / notification electronic message created by the message extracting means. A system comprising a changing means for performing. 8. The deposit reminder / notification electronic message creating system according to claim 7, further comprising a learning unit for learning the deposit reminder / notification electronic message changed by the changing unit. 9. The deposit reminder / notification electronic message creation system according to claim 1, further comprising: creation determination means for determining whether or not to create a deposit reminder / notification electronic message, and the deposit reminder. A sending means for sending the notification electronic message. 10. The payment reminder / notification electronic message creation system according to claim 1, further comprising a loan solicitation means for soliciting a loan when a predetermined condition is satisfied. 11. The deposit reminder / notification electronic message creation system according to claim 10, further comprising a loan approval / disapproval determination means for determining whether or not to accept a loan application. 12. The deposit reminder / notification electronic message creation system according to claim 1,
The data is account balance, customer attributes, banker attributes,
Excess days, types of overdue, size of shortfall, deposit pattern,
A system that is data about style. 13. The deposit reminder / notification electronic message creating system according to claim 9, wherein the transmitting means transmits the deposit reminder / notification electronic message using a secure function. 14. A step of determining whether or not it is necessary to create a deposit reminder / notification electronic message, and a payment reminder / decision if it is determined that a deposit reminder / notification electronic message is required to be created.
Creation of a deposit reminder / notification electronic message, characterized by including a step of generating a certain output result for the data used to create the notification electronic message, and a step of extracting a word template corresponding to the generated output result Method. 15. The method according to claim 14, wherein the step of generating the constant output result assigns a numerical value to the data, and the extracting step comprises:
A method for extracting a word template corresponding to the numerical value. 16. The method of creating a deposit reminder / notification electronic message according to claim 15, wherein the wording template is stored using N-dimensional coordinates, and the step of generating the constant output result is the N-dimensional coordinates. How to assign a number corresponding to one of. 17. The method of creating a deposit reminder / notification electronic message according to claim 14, wherein:
The word template corresponding to the one output result is 1
One way. 18. The method of creating a deposit reminder / notification electronic message according to claim 14, wherein:
A plurality of the wording templates corresponding to the one output result, and the method further comprises the step of selecting one deposit reminder / notification electronic message from the plurality of extracted wording templates. 19. The method of creating a deposit reminder / notification electronic message according to claim 18, further comprising the step of learning the selected deposit reminder / notification electronic message. 20. The method according to claim 14, further comprising a step of changing a part or all of the extracted deposit reminder / notification electronic message. 21. The method of creating a deposit reminder / notification electronic message according to claim 20, further comprising the step of learning the changed deposit reminder / notification electronic message. 22. The deposit reminder / notification electronic message creating method according to claim 14, further comprising the step of determining whether or not a deposit reminder / notification electronic message is created, and the deposit reminder / notification. Sending an electronic message. 23. The deposit reminder / notification electronic message creation method according to claim 14, further comprising the step of soliciting a loan when a predetermined condition is satisfied. 24. The method of creating a deposit reminder / notification electronic message according to claim 23, further comprising the step of determining whether or not to accept a loan application. 25. The method of creating a deposit reminder / notification electronic message according to any one of claims 14 to 24, wherein the data includes an account balance, a customer attribute, a bank clerk attribute, an excess number of days, an overdue type, and a deficit amount. A method that is data about size, deposit pattern, and style. 26. The method for creating a deposit reminder / notification electronic message according to claim 22, wherein the transmitting step transmits the deposit reminder / notification electronic message using a secure function. 27. A program for causing a computer to function as the system according to any one of claims 1 to 13. 28. A computer-readable storage medium storing the program according to claim 27.