[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a transaction confirmation technology in which a user confirms a transaction at a financial institution.
[0002]
[Prior art]
A system that has established a network between a user and a financial institution already exists. ATM and Internet banking homepages are positioned as terminals that can be operated by users. In ATM, Internet banking, and the like, a terminal operated by a user is connected to a computer of a financial institution via a network to transmit and receive data. By using ATM or Internet banking as disclosed in Japanese Patent Application Laid-Open No. 2002-140752, the user can refer to the details of the executed transaction, transfer money to an account in the name of another person, and perform other transactions provided by the financial institution. Can be implemented. When a user performs a transaction provided by a financial institution, a date on which the transaction is performed can be specified. The date specified by the user is a date after that day. The user can query the result of the transaction. Transactions to be referred to include transactions not yet processed by the financial institution (hereinafter referred to as reservation transactions).
[Patent Document 1]
JP-A-2002-140752
[Problems to be solved by the invention]
In the above-described conventional technology, when the user wants to check the details of a transaction that has already been made, he or she inquires the result of the transaction each time. The reservation transaction executes the actual transaction on the specified date. Since the date when the reservation transaction is accepted and the date when the transaction is executed are not the same, the state of the account of the receiving party and the account of the payer at the time of acceptance and the state of the account of the recipient and the account of the payer at the time of executing Changes. Therefore, when executing a reservation transaction in the financial institution system, the transaction may fail due to the absence of the account of the payment destination or the account of the payment source, or the shortage of the balance of the account of the payment source. If the user forgets the existence of the reservation transaction, there is a problem that the user does not notice that the transaction of the reservation transaction has failed.
[0004]
An object of the present invention is to enable a user to confirm a reservation transaction even if the user forgets the existence of a reservation transaction, thereby smoothly performing a re-procedure for a transaction in which a transaction has failed.
[0005]
[Means for Solving the Problems]
In order to achieve the above object, in consideration of the case where a user has forgotten the existence of a reservation transaction, the reservation transaction of the user is automatically displayed without the user inquiring the result of the transaction. It is.
[0006]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.
FIG. 1 shows an embodiment of the system according to the present invention. The system includes a terminal 10 operated by a user who performs a transaction provided by a financial institution and a financial institution system 11, and is connected via a network 12. The terminal 10 includes a user's PC terminal and ATM, and the type of the network 12 is not limited. The financial institution system 11 includes a user recognizing unit 111 for recognizing a user who performs a transaction provided by a financial institution, a personal information recording unit 115 for recording user designation information 116, and a reservation transaction recording unit 113 for recording reservation transaction contents 117. And a reservation transaction search unit 112 for determining whether or not a reservation transaction of the user exists in the reservation transaction recording unit 113, and a reservation transaction display unit 114 for displaying the existing reservation transaction. The user designation information 116 recorded in the personal information recording unit 115 is information designated by the user such as the display period of the reservation transaction. An example of the display period specified by the user is one month from the transaction date of the reservation transaction, until the user confirms the reservation transaction once on the reservation transaction display screen. The reservation transaction content 117 recorded in the reservation transaction recording unit 113 is information capable of recognizing the reservation transaction. As an example, a reception date 1171 at which the financial institution accepts the reservation transaction, a transaction date 1172 at which the financial institution carries out the reservation transaction, a reception number 1173 for uniquely identifying the reservation transaction, transaction contents relating to the reservation transaction (deposit / withdrawal account) , Amount, processing status, etc.) 1174. Note that the deposit / withdrawal account is the account of the payment destination and the account of the payment source that are the target of the reservation transaction. The amount is an amount to be traded by a reservation transaction. The processing status indicates the status of the reservation transaction in the financial institution at present. The processing status includes reception completion, transaction completion, transaction failure, and the like. A specific example of the reservation transaction contents 117 will be described using a reservation transaction 1175. In the reservation transaction 1175, the date on which the reservation transaction was accepted is July 5, 2002, the date on which the reservation transaction is executed is July 15, 2002, and the receipt number for uniquely identifying the reservation transaction is 000011111. The transaction content is set to XX Bank / Branch ..., and the processing status of the reservation transaction at the financial institution is set to transaction failure.
[0007]
The reservation transactions to be displayed can be narrowed down using the reception date 1171, the transaction date 1172, the reception number 1173, the transaction content 1174, and the like. A reservation transaction whose display period has elapsed can be deleted from the reservation transaction recording unit 113.
[0008]
An example when the present system is implemented is shown. A user connects to the financial institution system 11 from the terminal 10 via the network 12. A login screen 101 is displayed on the screen of the terminal 10. At the timing when the user logs in, the user recognition unit 111 recognizes the user and acquires the display period of the reservation transaction specified by the user. The display period of the reservation transaction designated by the user is recorded in the personal information recording unit 115. The reservation transaction search unit 112 searches for a reservation transaction of the user. Reservation transactions made by the user in the past are recorded in the reservation transaction recording unit 113. If the reservation transaction is a reservation transaction for a display period specified by the user, information that can recognize the reservation transaction is displayed on the reservation transaction display screen 102. An example of the reservation transaction display screen 102 is shown in FIG. After the user confirms the details of the reserved transaction, a transaction selection screen 103 for selecting the next transaction (transfer, transfer, etc. provided by the financial period) to be performed by the user is displayed.
[0009]
FIG. 2 shows an example of a processing flow of the financial institution system 11. The user is recognized, and the display period of the reservation transaction designated by the user is obtained from the personal information recording unit 115 (Step 201). The reservation transaction recording unit 113 is searched for a reservation transaction of the user (step 202). If there is a reservation transaction for the user, it is determined whether the reservation transaction is a reservation transaction for a display period specified by the user (step 203). If the reservation transaction is a reservation transaction for a designated display period, information that can recognize the reservation transaction is displayed on the reservation transaction display screen (step 204). FIG. 3 shows an example of the content to be displayed.
[0010]
FIG. 3 shows an example of a reservation transaction display screen displaying reservation transactions. The reservation transaction content 30 of the user is displayed. The content to be displayed is information that can recognize the reservation transaction. As an example, a reception number 301 for uniquely identifying a reservation transaction, a transaction date 302 for executing the reservation transaction, transaction contents (deposit / withdrawal account, amount, etc.) 303 related to the reservation transaction, and how the reservation transaction is currently performed in the financial institution. A processing status 304 indicating whether the processing status is a proper processing status. The timing to display is the timing when the user starts performing the transaction provided by the financial institution, the timing when the user performs the transaction provided by the financial institution, or the timing when the user finishes performing the transaction provided by the financial institution. It is. The period for displaying the reservation transaction can be specified in advance by the user.
[0011]
The display period of the reservation transaction designated by the user is recorded in the personal information recording unit 115. It is assumed that the reservation transaction content 117 of FIG. 1 is recorded in the reservation transaction recording unit 113, and the date and time when the user accessed the financial institution system is 15:00 on August 4th. When the user designates the display period as one month of the month in which the reservation transaction is performed, the reservation transaction whose transaction date 1172 is August from the reservation transaction contents 117 recorded in the reservation transaction recording unit 113 in FIG. And is displayed as shown in FIG. The user can refer to the reservation transaction display screen and check all reservation transactions to be performed in August. From the processing status 304, it is possible to confirm the processing status of the reservation transaction at the financial institution at present. The case of reservation transactions 305 and 306 is shown as an example. Since the processing status 304 of the reservation transaction 306 has been accepted, the financial institution is accepting the reservation transaction, and it can be seen that the reservation transaction is executed on the transaction date 302 according to the contents of the transaction content 303. Since the processing status 304 of the reservation transaction 305 is transaction failure, when the financial institution executes the reservation transaction on the transaction date 304 according to the content of the transaction content 303, the transaction fails due to insufficient balance or the like, and the It turns out that the transaction has not been completed successfully.
According to the above, since the reservation transaction is displayed without the user being conscious, even if the user forgets the existence of the reservation transaction, the contents of the reservation transaction can be confirmed. This makes it possible to smoothly perform a re-procedure for a transaction in which a transaction has failed.
[0012]
【The invention's effect】
According to the present invention, a re-procedure for a failed transaction can be performed smoothly.
[Brief description of the drawings]
FIG. 1 is a system embodiment of the present invention. FIG. 2 is a processing flow example of a financial institution system. FIG. 3 is an image diagram of a reservation transaction display screen.
10 terminal 101 login screen 102 reserved transaction display screen 103 transaction selection screen 11 financial institution system 111 user recognition unit 112 reserved transaction search unit 113 reserved transaction recording unit 114 reserved transaction display unit 115 personal information Recorder 116 User-specified information 117 Reservation transaction contents 1171 recorded in reservation transaction recording unit 113 Reception date of reservation transaction 1172 Reservation transaction transaction date 1173 Reservation transaction reception number 1174 Reservation transaction transaction 12 ... network 30 ... reservation transaction contents 301 displayed on reservation transaction display screen 102 ... reservation transaction reception number 302 ... reservation transaction date 303 ... reservation transaction details 304 ... reservation transaction processing status
