JP2004318405A - System and method for notifying saving account information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To quickly inform a user that any illegal event is occurred in a deposit account. <P>SOLUTION: This system is provided with a reservation registration processing part 11 for registering reservation information by a control center in which the notification request of information desired by a user is preliminarily registered, a deposit account information monitor processing part 13 for monitoring the change of deposit account data following a date of record, a transmission information preparation processing part 14 for working the deposit account data, and for preparing information for transmission when the deposit account information monitor processing part 13 decides that any illegal event is occurred in the deposit account based on the reservation information and change data and a deposit account information transmission processing part 15 for transmitting the information for transmission to an electronic mail address designated by the user. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a deposit account information notification system and a deposit account information notification method for notifying a user of various types of a deposit account of a financial institution by e-mail.
[0002]
[Prior art]
Conventionally, as a financial institution system using a computer and network communication, Internet banking, telephone banking, and the like are known. In any of these types of financial institution systems, for example, when checking the balance of a deposit, etc., the user himself / herself must perform a complicated authentication procedure or the like every time.
[0003]
In addition, as a notification system for notifying deposit account information using e-mail, when a request to change the account balance of a user's deposit account by account transfer or the like occurs, the account balance, scheduled debit, etc. A notification system for automatically notifying a user of bank account information of the above is disclosed (for example, see Patent Document 1).
[0004]
[Patent Document 1]
JP-A-11-120262 (column 2, lines 21-25, FIG. 1)
[0005]
[Problems to be solved by the invention]
By the way, in recent years, the number of network crimes via a communication network has rapidly increased, and there is a possibility that unauthorized use of a deposit account by a third party may occur due to, for example, unauthorized use of a credit card.
[0006]
Further, as another unauthorized use of the deposit account, for example, there may be a case where the automatic debit processing is mistakenly performed more than necessary due to an error in the automatic debit processing due to the complicated automatic debit processing in a financial institution or the like.
[0007]
However, in the above-described conventional notification system, only the amount can be handled, and as an abnormal event occurring in the deposit account, only the balance shortage can be known, so that the discovery is delayed even when the deposit account is deducted more than the scheduled amount. (For example, see Patent Document 1).
[0008]
In addition, since this conventional notification system cannot set various conditions for sending an e-mail, it is necessary for a user to extract necessary information from various kinds of received account information, so that information that does not need to be viewed can be considered. There is a disadvantage that it must be done. That is, the conventional notification system is not a notification system that promptly notifies only information required by a user when an illegal event occurs in a deposit account.
[0009]
Therefore, the present invention is capable of promptly notifying a user of deposit account information when an illegal event occurs in a deposit account, and prompting the user to respond to the illegal event of the deposit account. It is an object of the present invention to provide a deposit account information notifying system and a deposit account information notifying method which enable the following.
[0010]
[Means for Solving the Problems]
In order to achieve the above-mentioned object, a deposit account information notification system according to the present invention comprises: a reservation registration unit in which reservation information is registered by a management center in which a notification request of information desired by a user is registered in advance; Deposit account information monitoring means for monitoring subsequent changes in the deposit account data; and deposit account data when the deposit account information monitoring means determines that an unauthorized event has occurred in the deposit account based on the reservation information and the change data. There is provided transmission information creating means for creating transmission information by processing, and deposit account information sending means for transmitting the transmission information to an e-mail address designated by the user.
[0011]
According to the deposit account information notification system according to the present invention configured as described above, when there is a suspicion that an unauthorized event has occurred in the deposit account, it is immediately transmitted to the user by e-mail. For this reason, the user does not need to confirm through a complicated authentication procedure as in the past when checking whether the deposit account is fraudulent, and can easily and reliably know the abnormality of the deposit account. become.
[0012]
In the present invention, the “illegal event” refers to, for example, an unauthorized use by a third party or an incorrect processing by a financial institution or the like, resulting in a debit from a deposit account more than expected.
[0013]
Further, the deposit account information notifying system according to the present invention includes a reserved account information creating means for creating the reserved account information by combining the reservation information with the deposit account data on the reference date. Further, the deposit account information monitoring means monitors a change of the deposit account data after the reference date, and adds the change data to the reserved deposit account information. Then, the transmission information creating means, if the deposit account information monitoring means determines that an illegal event has occurred in the deposit account based on the reserved deposit account information, processes the deposit account data to generate the transmission information. create.
[0014]
Further, in the deposit account information notification system according to the present invention, the set amount, which is the sum of the debit amounts within a predetermined period, is registered in the reservation registration means as the reservation information. Then, the deposit account information monitoring means determines that an unauthorized event has occurred in the deposit account when the sum of the amounts deducted during the period exceeds the set amount.
[0015]
In the deposit account information notification system according to the present invention, the set amount may have an upper limit, and the upper limit may be automatically set based on the amount deducted within a predetermined period in the past. Is preferred. As a result, the optimal upper limit is automatically specified, so that when the user sets the set amount to a significantly large value, it is possible to prevent the use value of the notification system from being significantly impaired. Will be possible.
[0016]
Further, the method for notifying the deposit account information according to the present invention is a method for notifying the user who has accessed the computer of the financial institution of the account information of the deposit account by notifying the information of the deposit account by e-mail. A registration step of registering reservation information in a reservation registration unit by a management center in which an information notification request is registered in advance; a monitoring step of monitoring a change in the deposit account data after a reference date by a deposit account information monitoring unit; A creating step of creating the sending information by processing the deposit account data based on the reservation information and the change data by the creating means, and sending the sending information to the e-mail address specified by the user by the deposit account information sending means And steps.
[0017]
Further, a computer program according to the present invention includes a process for registering reservation information in a reservation registration unit by a management center in which a notification request of information desired by a user is registered in advance, and a process for registering reservation information by a reservation deposit account information creating unit. A process of creating reservation account information by combining day deposit account data, a process of monitoring changes in the deposit account data after a reference date by a deposit account information monitoring unit, and a process of creating reservation information and change data by a transmission information creating unit. The computer causes the computer to execute a process of processing the deposit account data to create transmission information based on the information, and a process of transmitting the transmission information to the e-mail address specified by the user by the deposit account information transmitting means.
[0018]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, specific embodiments of the present invention will be described with reference to the drawings.
[0019]
FIG. 1 is a block diagram showing a configuration of a deposit account information notification system according to the present embodiment.
[0020]
As shown in FIG. 1, a deposit account information notification system 1 according to the present embodiment includes information reservation data 24 set by a user in response to a user notification request transmitted from a mobile communication terminal 22 for information reservation or the like. Is registered, the reservation account information creation processing unit 12 that creates the deposit account data 27 by combining the information reservation data 24 with the deposit account data, and changes the deposit account data after the reference date. A deposit account information monitoring processor 13 that monitors and adds change data to the reserved deposit account data 27, and the deposit account information monitor processor 13 determines that an unauthorized event has occurred in the deposit account based on the reserved deposit account data 27. In this case, the transmission information creation processing unit 14 that processes the deposit account data to create transmission information, and transmits the transmission information to an e-mail address specified by the user. It is constituted by a deposit account information transmission processing unit 15.
[0021]
(Description of each processing unit)
Hereinafter, each process by each of the processing units 11 to 15 will be described.
[0022]
FIG. 2 is a schematic diagram for explaining a reservation registration process in the reservation registration processing unit 11. As shown in FIG. 2, a user of the deposit account receives a notification request via a general communication line using, for example, a mobile communication terminal 22 or a stationary personal computer 25 in order to receive a notification by e-mail. Apply for a reservation. As the mobile communication terminal 22 for information reservation, for example, a mobile phone, a mobile personal computer, a PDA (Personal Data Assistant), or the like is used.
[0023]
The data required when applying for a reservation is the user's e-mail address, deposit account number, whether or not notification is required when a utility charge is debited, and the sum of the monthly debit amount from the deposit account Is the reservation application information including a set amount or the like, which is a notification condition for notifying when the number exceeds.
[0024]
At this time, the registered reservation application information is stored as information reservation data 24 in the notification system 1 of the present embodiment via the reservation information input terminal 23 of the management center. Subsequently, based on the information reservation data 24 registered in the reservation registration processing section 11, the processing shifts to the reservation deposit account information creation processing section 12.
[0025]
FIG. 3 shows a flowchart for explaining the information creation processing of the reservation deposit account information creation processing unit 12. As shown in FIG. 3, the reservation account information creation processing section 12 starts from step 30, and reads the information reservation data 24 created by the reservation registration processing section 11 (step 31).
[0026]
Next, a read data determination process is performed to determine whether the read information reservation data is 0 (there is no data to be processed) or the final data + 1 (step 32). In other words, if the read information reservation data satisfies the condition of “0” or “final data + 1” (the end of the processing), the process proceeds to step S36, and the processing of the reservation account information creation processing unit 12 is ended. If the condition of step 32 is not satisfied, the process proceeds to step 33 to read the deposit account information on the reference date (usually the first day of the month) from the various deposit account information masters 28.
[0027]
The information reservation data 24 and the reference date deposit account information 28 are combined and written as reservation deposit account data 27 (step 34). Note that the reservation deposit account data 27 is stored with the data classified for each user.
[0028]
Next, after reading the other information reservation data 24 (step 35), the process proceeds to step 32, and the processes after the read data determination process (step 32) are repeated again. After the processing by the reservation account information creation processing section 12 is completed in step 36, the processing shifts to the deposit account information monitoring processing section 13.
[0029]
FIG. 4 is a flowchart illustrating a process performed by the deposit account information monitoring processing unit 13. As shown in FIG. 4, the deposit account information monitoring processor 13 starts from step 40 and reads the reserved deposit account data 27 (step 41). Next, the deposit account data on the day of the reserved deposit account is read from the various deposit account information masters 28 (step 42).
[0030]
Next, a read data determination process (step 43) is performed, and the account data in the reserved deposit account data 27 and the account data in the various deposit account information masters 28 are compared. The changed data part is written in the reservation deposit account data 27 in a format to be added (step 44).
[0031]
That is, the cumulative change data after the reference date is written in the reservation deposit account data 27, and the process ends in step 45. If there is no change in the reserved deposit account data 27, the process proceeds to step 45, and the processing of the deposit account information monitoring processing unit 13 is terminated. After the processing of the deposit account information monitoring processing section 13 ends, the processing shifts to the transmission information creation processing section 14.
[0032]
FIG. 5 is a flowchart illustrating a process performed by the transmission information creation processing unit 14. As shown in FIG. 5, the transmission information creation processing section 14 starts from step 50, and reads the reserved deposit account data 27 created by the deposit account information monitoring processing section 13 (step 51).
[0033]
Next, a read data determination process is performed to determine whether the read reserved deposit account data 27 is 0 (there is no data to be processed) or the final data + 1 (step 52).
[0034]
That is, if the read reservation account data 27 satisfies the condition of 0 (there is no data to be processed) or the final data plus 1 (the end of the process), the process proceeds to step 57 to transmit the transmission information. The process of the creation processing unit 14 ends.
[0035]
Next, a read data determination process (step 53) is performed, and when it is determined that an illegal event has occurred in the reservation deposit account data 27, personal deposit account data for each user for transmission is created (step 54). . In this step 53, for example, it is determined whether or not the total amount deducted from the deposit account in one month exceeds the set amount included in the information reservation data 24. It is determined that an incorrect event has occurred in the account data 27.
[0036]
If it is determined that no illegal event has occurred in the reservation account data 27, the process proceeds to the next step 56 without performing the deposit data creation process for each transmission user.
[0037]
Next, after reading the reserved deposit account data 27 (step 56), the process proceeds to step 52, and the processes after the read data determination process (step 52) are repeated again. After the processing of the transmission information creation processing unit 14 ends in step 57, the processing shifts to the deposit account information transmission processing unit 15.
[0038]
FIG. 6 is a flowchart illustrating a process performed by the deposit account information transmission processing unit 15. As shown in FIG. 6, starting from step 60, the personal user account data 55 for transmission user is read (step 61).
[0039]
Next, the deposit account information is transmitted by e-mail 21 to the e-mail address specified by the user (step 62). Subsequently, e-mail transmitted data indicating that the transmission of the e-mail 21 has been completed is written into the reservation deposit account data 27 in a format to be added (step 63). After the deposit account information transmission procedure 15 is completed in step 64, the processing from the deposit account information monitoring processing unit 13 is repeated again.
[0040]
Each of the processing units 11 to 15 is configured as a computer program that can be executed by a computer.
[0041]
As described above, according to the deposit account information notification system 1 of the present embodiment, the reservation registration processing unit 11 in which the set amount is registered by the management center in which the user's notification request is registered in advance, When the deposit account information monitoring processing unit 13 that monitors changes in the deposit account data and the deposit account information monitoring processing unit 13 determine that an unauthorized event has occurred in the deposit account based on the set amount and the change data, A transmission information creation processing unit 14 that processes the deposit account data to create transmission information, and a deposit account information transmission processing unit that transmits the transmission information to an e-mail address specified by a user who can receive the transmission information at the mobile communication terminal. With the provision of (15), it is possible to promptly notify the portable communication terminal 22 of the user when it is determined that fraud has occurred in the deposit account. Therefore, according to the notification system 1, the user can promptly respond to improper use of the balance, excessive use of the deposit, unauthorized use by a third party, and improper account of the deposit account such as a processing error of a financial institution. Therefore, it is possible to prevent the damage from spreading.
[0042]
Further, according to the notification system 1 of the present embodiment, any information desired by the user is immediately and automatically notified to the user when the information is changed. The user can easily and reliably know by e-mail, for example, unauthorized use by a third party or a processing error by a financial institution as an unauthorized event of the deposit account without performing a complicated authentication procedure or the like.
[0043]
Further, according to the notification system 1, it is not necessary to provide a complicated authentication function used for permitting deposit / withdrawal of a deposit account, so that the construction and operation of the notification system can be performed very easily. Can be.
[0044]
(Other embodiments)
Hereinafter, other embodiments of the notification system 1 and the notification method of the deposit account information of the above-described embodiment will be briefly described.
[0045]
For reservation registration, the user prepares at least one e-mail address that cannot be easily changed. For other registration items, the user can add, delete, change, etc. at any time. In this way, the user can simultaneously notify the mobile communication device and the personal computer, respectively, by registering another e-mail address, for example.
[0046]
In addition, for example, when checking the usage status of the deposit account of the child sent by the parent, it is possible to quickly know the abnormal fluctuation of the family deposit account, and it is also possible to use a plurality of deposit accounts shared by the union. Can be monitored.
[0047]
Also, in the above-described embodiment, usually, the user wants to be notified when the total amount of the one-month withdrawal from the deposit account has reached, that is, registers the set amount that is the total of the withdrawal amount. I do. At this time, the upper limit of the set amount is calculated based on the user's usage status in the past several months, for example, the average value per month is automatically calculated from the sum of the debit amounts in the past several months. It is preferable that an appropriate upper limit is automatically defined. Thus, when the user sets the set amount to a significantly large value, it is possible to prevent the utility value of the notification system from being significantly impaired.
[0048]
Further, in the above-described embodiment, a notification is made when the total amount of money deducted in one month exceeds a set amount. In addition to this information, other information to be notified is always prepared. This is preferable for quickly knowing that an unauthorized event has occurred in the account. Other information includes, for example, when a balance shortage, passbook, loss or reissue of a seal, password change, password input error, seal change, cancellation, address change, name change, or end-of-month balance notification ( Usually set at the end of the month).
[0049]
In addition, the item for selecting whether or not to notify the user includes whether or not to be notified when various utilities, rent, and the like are deducted. When all of the above information is notified, it is complicated to check the e-mail, so it is desirable to be able to select whether or not to notify.
[0050]
Also, the contents to be notified to the user are generally the same as the contents generally described in the passbook. If it is not desired to notify the user by writing the account number in the e-mail, for example, a name such as ** bank ** or a general branch or the like, or a user can give an arbitrary name (nickname). It is preferable to secure anonymity by doing so. Further, when the password of the deposit account is changed, it is preferable from the viewpoint of crime prevention to notify only the change without notifying the password by e-mail.
[0051]
Further, the notification system 1 of the above-described embodiment is configured to include the deposit account information monitoring processing unit 13 for monitoring the deposit account of the financial institution, but in addition to this, the deposit account is actually debited on the settlement date. It may be configured to include a usage amount recording account in which the usage amount is recorded, and a usage amount recording monitoring processing unit that monitors the usage amount recording account.
[0052]
The usage amount recording account is provided, for example, at the credit card management company side, separately from the deposit account of the financial institution. For example, account information such as the balance of the user before settlement in the current month and the above-mentioned set amount are registered. Then, in this usage amount recording account, for example, before the total usage amount is actually debited from the deposit account on the settlement date, virtual withdrawal processing of each individual usage amount is performed at any time, and accumulated from the deposit account on the settlement date. Withdraw the total usage amount.
[0053]
The usage amount record monitoring processing unit performs the same processing as the deposit account information monitoring processing unit 13 and monitors a change in the usage amount recording data of the usage amount recording account, and when a usage amount exceeding the set amount occurs. It is determined that an unauthorized event has occurred in the deposit account.
[0054]
Therefore, by monitoring the usage record account, unauthorized payments can be made when a usage amount exceeding the set amount is virtually debited from the usage record account before payment is actually made from the deposit account of the financial institution. It is possible to notify the user that an unusual event has occurred, and it is possible to more quickly respond to an unauthorized event.
[0055]
【The invention's effect】
As described above, according to the deposit account information notification system according to the present invention, a reservation registration unit in which reservation information is registered by a management center in which a notification request of information desired by a user is registered in advance, Deposit account information monitoring means for monitoring changes in the deposit account data; and processing the deposit account data when the deposit account information monitoring means determines that an unauthorized event has occurred in the deposit account based on the reservation information and the change data. Transmission information creating means for creating the transmission information by sending the information to the e-mail address specified by the user. When it is determined that an event has occurred, the user can be automatically notified by e-mail. For this reason, users do not have to carry out the procedures themselves every time, and promptly report the shortage of balances, excessive use of deposits, improper use by third parties, and improper account of deposit accounts up to mistakes in processing by financial institutions. You can know.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a method for notifying deposit account information according to the present invention.
FIG. 2 is a schematic diagram for explaining a reservation registration processing unit.
FIG. 3 is a flowchart for explaining a reservation deposit account information creation processing unit.
FIG. 4 is a flowchart for explaining a deposit account information monitoring processing unit.
FIG. 5 is a flowchart illustrating a transmission information creation processing unit.
FIG. 6 is a flowchart for explaining a deposit account information transmission processing unit.
[Explanation of symbols]
1 Deposit account information notification system 11 Reservation registration processing unit 12 Reservation deposit account information creation processing unit 13 Deposit account information monitoring processing unit 14 Transmission information creation processing unit 15 Deposit account information transmission processing unit 21 E-mail 22 Mobile communication terminal 23 Reservation Information input terminal 24 Information reservation data 25 Personal computer 27 Reservation deposit account data 28 Various deposit account information masters 55 Individual user account data for transmission

Claims (9)

A reservation registration unit in which reservation information is registered by a management center in which a notification request of information desired by the user is registered in advance;
A deposit account information monitoring means for monitoring changes in the deposit account data after the reference date;
When the deposit account information monitoring means determines that an unauthorized event has occurred in the deposit account based on the reservation information and the change data, the deposit account information monitoring means processes the deposit account data to create transmission information. Information creation means,
A deposit account information transmitting system for transmitting the transmission information to an e-mail address designated by the user; A booking deposit account information creating unit for creating booking deposit account information by combining the deposit information with the deposit account data on the reference date,
The deposit account information monitoring means monitors a change of the deposit account data after the reference date, and adds change data to the reserved deposit account information,
The transmitting information creating means, when the deposit account information monitoring means determines that an unauthorized event has occurred in the deposit account based on the reserved deposit account information, processes the deposit account data and transmits 2. The notification system for deposit account information according to claim 1, wherein the information is created. The reservation registration unit registers, as the reservation information, a set amount that is a total of debit amounts within a predetermined period,
3. The deposit according to claim 1, wherein the deposit account information monitoring unit determines that an unauthorized event has occurred in the deposit account when the sum of the amounts deducted during the period exceeds the set amount. 4. Account information notification system. 4. The deposit account notification system according to claim 3, wherein an upper limit value is defined for the set amount, and the upper limit value is automatically set based on the amount deducted within a predetermined period in the past. A method of notifying a user who has accessed a computer of a financial institution of deposit account information for notifying a deposit account information by e-mail,
A registration step of registering reservation information in a reservation registration unit by a management center in which a notification request of information desired by a user is registered in advance;
A monitoring step for monitoring a change of the deposit account data after the reference date by the deposit account information monitoring means;
A creating step of creating the sending information by processing the deposit account data based on the reservation information and the change data, by sending information creating means;
Transmitting the information for transmission to an e-mail address specified by the user by a deposit account information transmitting means. After the registering step, the booking deposit account information creating means has another creating step of creating the booking deposit account information by combining the booking information with the deposit account data of a reference date,
The monitoring step monitors changes of the deposit account data after the reference date, and adds change data to the reserved deposit account information,
The transmitting step, when it is determined in the monitoring step that an unauthorized event has occurred in the deposit account based on the reserved deposit account information, creates the transmission account information by processing the deposit account data. 5. The method for notifying the deposit account information described in 5. When the sum of the amount of money deducted during the predetermined period exceeds the set amount registered as the reservation information in the reservation registration unit, the deposit account information monitoring unit detects that an illegal event has occurred in the deposit account. The notification method of deposit account information according to claim 5 or 6, wherein the judgment is made. 8. The deposit account notification method according to claim 7, wherein an upper limit value is defined for the set amount, and the upper limit value is automatically set based on the amount deducted within a predetermined period in the past. A process of registering reservation information in a reservation registration unit by a management center in which a notification request of information desired by a user is registered in advance;
Processing for creating reservation deposit account information by combining the reservation information with the deposit account data on the base date,
Processing for monitoring changes in the deposit account data after the reference date by the deposit account information monitoring means,
Processing for creating transmission information by processing the deposit account data based on the reservation information and the change data,
A computer program for causing a computer to execute a process of transmitting the transmission information to an e-mail address specified by the user by a deposit account information transmitting unit.

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