JP2005135219A - Account integration system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a user to easily integrate a plurality of accounts without feeling troublesomeness by enabling the user to cancel unnecessary accounts and integrate canceled accounts into one account by operating an automatic teller machine and to reduce costs for managing unnecessary accounts and costs for canceling unnecessary accounts in a banking institution. <P>SOLUTION: The account integration system is provided with the automatic teller machine by which a user can perform procedures for integrating accounts, an account system higher order apparatus which is connected to the automatic teller machine so as to communicate with it and processes a financial transaction which is performed by the user by operating the automatic teller machine, an account integration transaction database which is connected to the automatic teller machine and the account system higher order apparatus so as to communicate with them and stores the transaction content information of procedures for integrating accounts received from the automatic teller machine, and a server for accessing the account system higher order apparatus and performing processing the procedures for integrating the accounts. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an account aggregation system.

  Conventionally, in financial institutions such as banks, credit unions, post offices, etc., users open an account in the financial institution and perform various financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, etc. It has become. A user operates an automatic transaction apparatus such as an ATM (Automatic Teller Machine) or a CD (Cash Dispenser) installed in a branch of a financial institution to operate the financial transaction. Transactions can be made (see, for example, Patent Document 1).

  In this case, the user can open a plurality of accounts in one financial institution and can withdraw or transfer cash from each account. Therefore, the plurality of accounts can be properly used according to usage.

  For example, one account is used for payment of expenses required for daily life, such as payment of utility bills, rent payments, etc., and another account is used for payment of unnecessary and urgent expenses such as entertainment and entertainment. By using it, even if the payment of the unnecessary and urgent expenses exceeds the schedule due to carelessness, the amount necessary for the payment of the essential expenses will not be insufficient.

  In addition, even if a bankbook or cash card is lost or stolen, even if a malicious other person withdraws or transfers cash from one account, the damage may affect other accounts. Since it can prevent, the range of damage can be suppressed and safety can be improved.

Furthermore, in recent years, a plurality of financial institutions may be integrated into a single financial institution. In this case, assuming that the user has opened accounts at a plurality of financial institutions before the integration, the user has opened a plurality of accounts at a single financial institution after the integration.
JP-A-5-61898

  However, in the conventional system, a user who has multiple accounts opened at the same financial institution tries to reduce the number of accounts opened at the same financial institution by aggregating several accounts. In this case, it is necessary to complete the cancellation procedure at the financial institution's window, which makes it annoying.

  When a large number of accounts are opened in the same financial institution, the user must manage the balance of each account individually, and financial transactions such as withdrawal, transfer, deposit, transfer etc. Each account had to be processed separately. In particular, when a fixed amount is regularly transferred from a large number of accounts, it is necessary to maintain a balance so that the balance of each account is always equal to or greater than the amount transferred. For this reason, it is necessary for the user to check and manage a plurality of accounts at all times, which is troublesome and annoying.

  However, in order to organize unnecessary accounts and reduce the number of accounts, it is necessary to cancel unnecessary accounts at a financial institution. For this reason, the user needs to go to the branch of the financial institution during the time when the window is open, and the user has to perform troublesome procedures. Therefore, unnecessary accounts are often left as they are without being used. However, in recent years, depending on the financial institution, a fee for maintaining an account may be collected from a user. In this case, if the user leaves an unnecessary account, he / she has to pay an extra fee for the unnecessary account, which increases the financial burden.

  On the other hand, a financial institution costs enormous costs to manage unnecessary accounts that are not used. In addition, in order to cancel an account, it is necessary to perform cancellation work in response to the user at the financial institution's window, which results in a large labor cost.

  The present invention solves the above-mentioned conventional problems, enables the user to cancel the unnecessary account by operating the automatic transaction apparatus, and collect the account so that the user feels troublesome. It is an object of the present invention to provide an account aggregation system that can easily aggregate accounts and reduce the cost of managing unnecessary accounts by a financial institution and the cost of canceling accounts. .

  Therefore, in the account aggregation system of the present invention, a user operation unit operated by a user who has opened an account with a financial institution, and a card handling unit that handles the user's card or the user's passbook An automatic transaction apparatus comprising a passbook handling unit for handling, and capable of performing a procedure for the user to consolidate accounts, and connected to the automatic transaction apparatus in a communicable manner, so that the user operates the automatic transaction apparatus The account system host device that processes the financial transactions performed in this manner, and the transaction content information of the procedure for aggregating the accounts received from the automatic transaction device are communicably connected to the automatic transaction device and the account system host device. And a server that includes an account aggregation transaction database, accesses the account system host device, and processes a procedure for aggregating the accounts.

  In another account aggregation system of the present invention, further, the automatic transaction apparatus accesses the accounting system host apparatus and a server and performs processing of a procedure for aggregating the account in real time, Batch processing is used to process the procedure for accessing the accounting system host device and aggregating the accounts.

  In still another account aggregation system of the present invention, the procedure for aggregating the accounts is a procedure for canceling at least one account in the accounts and transferring the balance of the account to another account. .

  In the automatic transaction apparatus of the present invention, a user operation unit operated by a user who has opened an account in a financial institution, a card handling unit that handles the user's card, or a passbook handling unit that handles the user's passbook The user uses the card or passbook to operate the user operation unit to perform a procedure for collecting accounts.

  In another automatic transaction apparatus according to the present invention, the automatic transaction apparatus further aggregates the account by accessing an accounting system host apparatus that processes a financial transaction and a server that performs a process for aggregating the account. Process in real time.

  According to the present invention, since the user can cancel the unnecessary account and aggregate the account by operating the automatic transaction apparatus, the user can easily aggregate the account without feeling inconvenience. In addition, the financial institution can reduce the cost of managing unnecessary accounts and the cost of canceling accounts.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a conceptual diagram showing a configuration of an account aggregation system in an embodiment of the present invention.

  In the figure, 10 is an account aggregation system in the present embodiment, 11 is a host computer system as an accounting system host device built in a computer system in a financial institution where a user 12 has opened an account, It handles various financial transactions such as deposits, withdrawals, transfers and transfers related to accounts opened at institutions. Here, the user 12 establishes his / her own account at a financial institution, and using this account, deposit, withdrawal, transfer, transfer, transfer deposit, debit, balance inquiry, acquisition of deposit / withdrawal slip Those who use various financial services such as individuals, corporations, commercial companies, public interest groups, etc. The financial institution may be any bank, credit union, post office, or the like, but in this embodiment, a case where it is a bank will be described.

  The host computer system 11 is a billing system constructed in a computer system comprising a host computer or the like disposed in the financial institution, and corresponds to each account opened in the financial institution. An account of the user 12 is set in the host computer system 11. The computer system may be constituted by a single computer such as a large general purpose computer, or a plurality of computers connected organically such as a distributed server. It may be one of a plurality of systems constructed in a large computer. The host computer system 11 executes various financial processes for each account, and also functions as an electronic passbook or record book for recording the results of the processes. For example, when there is a request for various financial services from a user 12 to a financial institution, the host computer system 11 executes the various financial processes using the user 12 account, Is recorded for the account of the user 12 such as the amount of money, the payment source, and the transfer destination.

  Reference numeral 13 denotes an automatic transaction apparatus such as an ATM or a CD, which is installed in a sales office of a financial institution. The automatic transaction apparatus 13 is a kind of computer having a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means, and the like. A user operation unit including a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display. Note that the user operation unit is preferably a touch panel having both functions of an input device and a display device. The user 12 can operate the automatic transaction apparatus 13 to perform various financial transactions such as depositing, withdrawal, transfer, and transfer of cash. In addition, it can replace with the automatic transaction apparatus 13 and can also use the kiosk (KIOSK) terminal etc. which were arrange | positioned at the convenience store etc. Further, the automatic transaction apparatus 13 inserts a card handling unit having a card slot for inserting a card 14 such as a cash card possessed by the user 12 and a passbook 15 such as a deposit passbook possessed by the user 12. A passbook handling section having a passbook slot, an issuing section for issuing single slips such as statement slips and transaction records. The card 14 and the bankbook 15 are used for various financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, etc. issued by financial institutions to users. A storage means such as a magnetic stripe or IC for storing information such as an account number and an ID number is provided. Further, in the present embodiment, the user 12 can operate the automatic transaction apparatus 13 to perform procedures such as cancellation of unnecessary accounts and aggregation of a plurality of accounts. .

  The automatic transaction apparatus 13 is connected to the host computer system 11 via an automatic transaction apparatus network 16. The processing related to finance requested by using the automatic transaction apparatus 13 is transmitted to the host computer system 11 via the automatic transaction apparatus network 16, executed, and recorded. The automatic transaction apparatus network 16 includes a wired or wireless public communication network, a dedicated communication network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite. Any communication line network such as a communication line network may be used, or a combination of these may be used as appropriate. In addition, although the said automatic transaction apparatus 13 is actually plural, it demonstrates here that the automatic transaction apparatus 13 represents all the automatic transaction apparatuses.

  Reference numeral 17 denotes a center server system as a server disposed in the business center, which processes procedures such as cancellation of accounts opened by financial institutions and aggregation of a plurality of accounts. Here, the center server system 17 may be constituted by a single computer such as a large general-purpose computer, or a plurality of computers connected organically such as a distributed server. It may be one of a plurality of systems constructed in a large computer. The center server system 17 is connected to the host computer system 11 and the automatic transaction apparatus 13 via the automatic transaction apparatus network 16.

  An account aggregation transaction database 18 is connected to the center server system 17. The account aggregation transaction database 18 has storage means such as a semiconductor memory and a magnetic disk, and information related to procedures such as account cancellation, aggregation of a plurality of accounts, etc. performed by the user 12 operating the automatic transaction apparatus 13; That is, account aggregation transaction information is stored. Then, the center server system 17 acquires the account aggregation transaction information by accessing the account aggregation transaction database 18 periodically, for example, at a frequency of about once every night, and based on the account aggregation transaction information, While accessing the host computer system 11, processing relating to procedures such as account cancellation and aggregation of a plurality of accounts is executed.

  In the present embodiment, the user 12 can operate the automatic transaction apparatus 13 to cancel an unnecessary account and combine the accounts into the remaining accounts, that is, perform a procedure for collecting the accounts. It has become. In this case, it is assumed that the user 12 has previously opened a plurality of accounts in a financial institution and possesses a card 14 and a passbook 15 corresponding to each account. Then, the user 12 operates the automatic transaction apparatus 13 to perform the account cancellation procedure using the card 14 corresponding to the unnecessary account, and subsequently collects the unnecessary accounts. The account aggregation procedure is performed using the bankbook 15 or the card 14 corresponding to the account, that is, the summary destination account. In this case, the transaction content information as information relating to the procedure of the account aggregation performed by the user 12 by operating the automatic transaction apparatus 13 is transmitted to the host computer system 11 and the center server system 17, and the account cancellation procedure and Processing related to the account aggregation procedure is executed. That is, the real process performed for every transaction is performed. The process executed between the host computer system 11 and the center server system 17 is executed as a batch process. In the present embodiment, the batch processing is executed every day and a large amount of general accounting processing is executed, and the processing amount of the host computer system 11 is not large in daytime. The description will be made on the assumption that the processing amount is low at night.

  Next, the operation of the account aggregation system configured as described above will be described in detail. First, an operation for the user 12 to operate the automatic transaction apparatus 13 to cancel an unnecessary account and collect it into the remaining accounts, that is, to perform a procedure for collecting the accounts will be described.

  FIG. 2 is a first diagram showing a display screen of the user operation unit of the automatic transaction apparatus according to the embodiment of the present invention, and FIG. 3 shows a display screen of the user operation unit of the automatic transaction apparatus according to the embodiment of the present invention. FIG. 4 is a third view showing a display screen of the user operation unit of the automatic transaction apparatus according to the embodiment of the present invention, and FIG. 5 is a user of the automatic transaction apparatus according to the embodiment of the present invention. FIG. 6 is a fourth diagram showing a display screen of the operation unit, FIG. 6 is a fifth diagram showing a display screen of the user operation unit of the automatic transaction apparatus in the embodiment of the present invention, and FIG. 7 is a diagram in the embodiment of the present invention. FIG. 8 shows a display screen of the user operation unit of the automatic transaction apparatus, FIG. 8 is a seventh view showing a display screen of the user operation unit of the automatic transaction apparatus in the embodiment of the present invention, and FIG. The 8th which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of invention FIG. 10 is a ninth diagram showing a display screen of the user operation unit of the automatic transaction apparatus according to the embodiment of the present invention, and FIG. 11 is a transaction copy issued by the automatic transaction apparatus according to the embodiment of the present invention. FIG. 12 is a flowchart showing an operation of operating the automatic transaction apparatus according to the embodiment of the present invention.

  Here, the user operation part of the automatic transaction apparatus 13 shall be a touch panel which has a function of an input device and a display apparatus. First, when the user 12 operates the automatic transaction apparatus 13 installed in a financial institution or the like, the transaction selection as shown in FIG. 2 is displayed on the user operation unit of the automatic transaction apparatus 13 as an initial screen. A screen is displayed. In this case, “deposit”, “withdrawal” can be used as a selection means to select various financial transactions such as deposit, withdrawal, transfer, transfer, bankbook entry, balance inquiry, account aggregation, PIN change etc. "," Transfer "," Transfer "," Passbook entry "," Balance inquiry "," Account summary "and" Card PIN change "selection buttons are displayed. Further, in order to prompt the user 12 to select a transaction, an operation instruction “Please press the desired transaction” is displayed. Then, the user 12 touches the selection button corresponding to the desired financial transaction from among the selection buttons displayed on the customer operation unit, that is, by touching the selected button, the user 12 performs the desired financial transaction. You can choose. In the present embodiment, the user 12 uses his / her finger or the like to select the “account summary” selection button surrounded by an ellipse circle A in FIG. touch.

  Subsequently, the automatic transaction apparatus 13 determines whether or not the selection button has been touched, and determines that the “account summary” selection button has been touched, that is, the account aggregation selection means has been selected. If determined, an unnecessary account card insertion instruction screen as shown in FIG. 3 is displayed on the user operation unit. The unnecessary account card insertion instruction screen is a screen for instructing the user 12 to insert the card 14 corresponding to the unnecessary account into the card slot of the automatic transaction apparatus 13. Please insert an account card. "Is displayed. The unnecessary account card insertion instruction screen displays a “cancel” selection button as a selection means for selecting to cancel the account aggregation procedure.

  If it is determined whether the selection button has been touched and it is determined that a selection means corresponding to another transaction has been selected, the automatic transaction apparatus 13 displays a screen for the transaction selected by the user operation unit. Is displayed. A description of the operation in this case is omitted. Further, when any selection button is not touched, the automatic transaction apparatus 13 continues to display the initial screen.

  Then, when the user 12 inserts the card 14 corresponding to the account that is no longer necessary according to the operation instruction of the unnecessary account card insertion instruction screen into the card slot of the automatic transaction apparatus 13, The automatic transaction apparatus 13 determines that the card 14 has been inserted. Subsequently, the automatic transaction apparatus 13 displays a password input instruction screen as shown in FIG. 4 on the user operation unit. The personal identification number input instruction screen is a screen for instructing the user 12 to input a personal identification number corresponding to the card 14 inserted in the card slot, and says “Please enter your personal identification number”. Operation instructions are displayed. In addition, number buttons “0” to “9” are displayed as input means for inputting numbers. Further, on the personal identification number input instruction screen, an input button for “confirmation” is displayed as an input means for confirming the input personal identification number, and for selecting to cancel the account aggregation procedure. As a selection means, a “cancel” selection button is displayed.

  If the automatic transaction apparatus 13 determines that the card 14 is not inserted even after a predetermined time has elapsed since the unnecessary account card insertion instruction screen is displayed, the first transaction as shown in FIG. Display the cancel screen on the user operation unit and terminate the transaction. The first transaction cancellation screen is a screen for notifying the user 12 of cancellation of the account aggregation procedure as a transaction, and a notification “transaction will be canceled” is displayed. In the first transaction cancellation screen, a “confirm” selection button is displayed as a confirmation means for confirming that the account aggregation procedure is to be canceled.

  Subsequently, when the user 12 touches a numeric button corresponding to a personal identification number among the numeric buttons displayed on the customer operation unit, the automatic transaction apparatus 13 confirms whether the inputted personal identification number is correct. Judge whether or not. The personal identification number is usually composed of a four-digit number. If it is determined that the entered password is not correct, the automatic transaction apparatus 13 displays a second transaction cancellation screen, which will be described later, on the user operation unit, and ends the transaction. If it is determined that the entered password is correct, the automatic transaction apparatus 13 causes the user operation unit to display an unnecessary account card receipt instruction screen as shown in FIG. The unnecessary account card receiving instruction screen is a screen for instructing the user 12 to receive the card 14 corresponding to the unnecessary account discharged from the card slot of the automatic transaction apparatus 13. Please receive it. " Then, the automatic transaction apparatus 13 discharges the card 14 corresponding to the unnecessary account from the card slot.

  Subsequently, after confirming that the discharged card 14 has been received, the automatic transaction apparatus 13 displays a summary destination account passbook / card insertion instruction screen as shown in FIG. 7 on the user operation unit. The summary destination account passbook / card insertion instruction screen displays the account to which the user 12 is aggregated the account that is no longer needed, that is, the passbook 15 or the card 14 corresponding to the summary destination account of the automatic transaction apparatus 13. This is a screen for instructing insertion into a card slot, and an operation instruction “Please insert a passbook or a card of a group account” is displayed. It should be noted that a “cancel” selection button is displayed on the summary destination account passbook / card insertion instruction screen as a selection means for selecting to cancel the procedure of account aggregation.

  Then, according to the operation instruction on the summary account passbook / card insertion instruction screen, the user 12 transfers the passbook 15 or card 14 that is owned by the user 12 corresponding to the summary account to the automatic transaction apparatus 13. The automatic transaction apparatus 13 determines that the bankbook 15 or the card 14 has been inserted. If the automatic transaction apparatus 13 determines that the passbook 15 or the card 14 is not inserted even after a predetermined time has elapsed since the summary account passbook / card insertion instruction screen is displayed, the first transaction Display the cancel screen on the user operation unit and terminate the transaction.

  Subsequently, the automatic transaction apparatus 13 confirms whether or not the name of the account corresponding to the inserted bankbook 15 or card 14 is the same as the name of the account that has become unnecessary. In this case, the automatic transaction apparatus 13 confirms the name of the account based on the name of the user 12 stored in the storage means of the inserted bankbook 15 or card 14. And when it cannot confirm that the name of an account is the same, the said automatic transaction apparatus 13 displays a 2nd transaction cancellation screen as shown in FIG. 8 on a user operation part, and complete | finishes a transaction. The second transaction cancellation screen is a screen for notifying the user 12 of cancellation of the account aggregation procedure as a transaction, and a notification “transaction will be canceled” is displayed. The second transaction cancellation screen is also a screen for instructing the user 12 to receive the bankbook 15 or the card 14 discharged from the bankbook slot or card slot of the automatic transaction apparatus 13. Please receive a passbook. " Further, a “confirm” input button is also displayed as a confirmation means for confirming that the account aggregation procedure is to be cancelled.

  When it is confirmed that the account names are the same, the automatic transaction apparatus 13 displays a final confirmation screen as shown in FIG. 9 on the user operation unit. The final confirmation screen displays the branch name, type and account number of the unnecessary account, and the branch name, type and account number of the destination account and cancels the unnecessary account. A notification regarding the contents of the transaction of the account aggregation that the account is no longer used, and that the balance of the account that is no longer needed can be transferred to the summary account Is displayed. Furthermore, the final confirmation screen is a screen for instructing the user 12 to confirm the contents of the notified account aggregation transaction, and the operation “please confirm if the following contents are correct”. Instructions are displayed. In addition, the final confirmation screen displays an input button for “confirmation” as an input means for confirming the contents of the notified account aggregation transaction, and selects to cancel the account aggregation transaction. As a selection means, a “cancel” selection button is displayed.

  Subsequently, the automatic transaction apparatus 13 determines whether or not the “confirm” input button has been touched, that is, whether or not the user 12 has confirmed the contents of the account aggregation transaction, and determines whether or not the account aggregation transaction has been performed. When it is determined that the contents of the second transaction have not been confirmed, the second transaction stop screen as shown in FIG. 8 is displayed on the user operation unit, and the transaction is terminated. In this case, the account aggregation procedure is canceled.

  When the automatic transaction apparatus 13 determines that the contents of the account aggregation transaction have been confirmed, the automatic transaction apparatus 13 displays a transaction completion screen as shown in FIG. 10 on the user operation unit and ends the transaction. The transaction completion screen is a screen for notifying the user 12 that the procedure of account aggregation as a transaction has been completed, and displays a notification that details regarding the account aggregation procedure will be sent later. Further, the transaction completion screen is a screen for instructing the user 12 to receive the transaction record issued by the automatic transaction apparatus 13 and the bankbook 15 or card 14 discharged from the bankbook slot or card slot. , "Please receive a copy of the transaction and a card or passbook." In addition, a “confirm” input button is also displayed as a confirmation means for confirming that the account consolidation procedure has been completed.

  In addition, as shown in FIG. 11, the transaction receipt includes the date and time when the account aggregation procedure was performed, the name of the branch that manages the automatic transaction apparatus 13 on which the account aggregation procedure was performed, the type of transaction, and unnecessary. The branch name and account number of the new account and the branch name and account number of the destination account are printed.

  When the user 12 touches the “confirm” input button, the automatic transaction apparatus 13 determines that it has been confirmed that the account aggregation transaction has been completed, and ends the account aggregation procedure.

Next, a flowchart will be described.
Step S1: A financial transaction is selected according to the operation instruction on the transaction selection screen.
Step S2: It is determined whether or not the “account summary” selection button has been touched. If the “account summary” selection button is touched, the process proceeds to step S3. If the “account summary” selection button is not touched, the process returns to step S1.
Step S3 In accordance with the operation instruction on the unnecessary account card insertion instruction screen, the card 14 owned by itself and corresponding to the unnecessary account is inserted into the card slot of the automatic transaction apparatus 13.
Step S4 The automatic transaction apparatus 13 determines whether or not the card 14 is inserted. When the card 14 is inserted, the process proceeds to step S5, and when the card 14 is not inserted, the process proceeds to step S13.
Step S5: The personal identification number corresponding to the card 14 inserted according to the operation instruction on the personal identification number input instruction screen is input.
Step S6: It is determined whether or not the input password is correct. If the password is correct, the process proceeds to step S7. If the password is not correct, the process proceeds to step S14.
Step S7: The card 14 corresponding to the unnecessary account is discharged from the card slot.
Step S8 Insert the passbook 15 or the card 14 in accordance with the operation instruction on the summary account passbook / card insertion instruction screen.
Step S9: It is determined whether the bankbook 15 or the card 14 has been inserted. If the bankbook 15 or the card 14 is inserted, the process proceeds to step S10. If the bankbook 15 or the card 14 is not inserted, the process proceeds to step S13.
Step S10 The automatic transaction apparatus 13 determines whether the name of the account corresponding to the inserted bankbook 15 or card 14 is the same as the name of the account that is no longer needed. If it is the same as the name of the account that is no longer necessary, the process proceeds to step S11. If it is not the same as the name of the account that is no longer necessary, the process proceeds to step S14.
Step S11 The final confirmation is performed according to the operation instruction on the final confirmation screen.
Step S12: It is determined whether or not the “Confirm” input button has been touched. If the “confirm” input button is touched, the process proceeds to step S15. If the “confirm” input button is not touched, the process proceeds to step S14.
Step S13: The first transaction cancellation screen is displayed and the process is terminated.
Step S14 The second transaction cancellation screen is displayed and the process is terminated.
Step S15 The transaction completion screen is displayed and the process is terminated.

  Next, the operation | movement in the process performed among the host computer system 11, the automatic transaction apparatus 13, and the center server system 17 is demonstrated.

  FIG. 13 is a flowchart showing operations in processing executed between the host computer system, automatic transaction apparatus, and center server system in the present embodiment.

  First, every time the user 12 performs account aggregation as a transaction performed by operating the automatic transaction apparatus 13, a process executed between the automatic transaction apparatus 13 and the center server system 17, that is, a real process performed for each transaction explain. In this case, the user 12 operates the automatic transaction apparatus 13 to start the procedure for account aggregation as described above. Then, as described above, according to the operation instruction on the unnecessary account card insertion instruction screen as shown in FIG. 3, the user 12 is a card 14 that the user 12 owns and corresponds to an unnecessary account. After 14 is inserted into the card slot of the automatic transaction apparatus 13, the number is touched on the password number input instruction screen as shown in FIG.

  Then, the automatic transaction apparatus 13 accesses the host computer system 11 and inquires about the input password, that is, the password corresponding to the unnecessary account. In this case, the automatic transaction apparatus 13 transmits a password reference request to the host computer system 11 via the automatic transaction apparatus network 16. The password reference request includes the account number read from the card 14 and the password entered by the user 12. When the host computer system 11 receives the password reference request, the host computer system 11 accesses information related to an account registered in advance, and the correspondence between the account number and the password included in the password reference request is correct. And the determined result is returned to the automatic transaction apparatus 13 through the automatic transaction apparatus network 16 as a reference result.

  Subsequently, the automatic transaction apparatus 13 determines whether or not the input personal identification number is correct based on the received inquiry result. That is, when the inquiry result is a result of determining that the correspondence relationship between the account number and the password is correct, the automatic transaction apparatus 13 determines that the input password is correct and uses it. The operator operation unit displays an unnecessary account card receipt instruction screen as shown in FIG. 6, and the card 14 corresponding to the unnecessary account is discharged from the card slot. If the inquiry result is a result of determining that the correspondence between the account number and the password is not correct, the automatic transaction apparatus 13 determines that the input password is not correct and the user operation The second transaction stop screen as shown in FIG. 8 is displayed on the part to end the transaction.

  Then, when the account aggregation transaction performed by the user 12 operating the automatic transaction apparatus 13 as described above is completed, that is, the final confirmation screen as shown in FIG. 9 is displayed on the user operation unit of the automatic transaction apparatus 13. When the user 12 touches the “confirm” input button, the automatic transaction apparatus 13 transmits an unnecessary account use stop instruction to the host computer system 11 via the automatic transaction apparatus network 16. On the other hand, when the host computer system 11 receives an instruction to stop the use of unnecessary accounts, the host computer system 11 executes a prohibition process so that financial transactions cannot be performed using the unnecessary accounts. Thereafter, the user 12 cannot use the account that has become unnecessary to perform financial processing such as deposit, withdrawal, transfer, transfer, and balance inquiry.

  Subsequently, the automatic transaction apparatus 13 accesses the center server system 17 and registers a transaction content database. In this case, the automatic transaction apparatus 13 transmits transaction content information to the center server system 17 via the automatic transaction apparatus network 16. The transaction content information includes the name of the user 12, the date and time when the account aggregation procedure was performed, the ID of the automatic transaction apparatus 13 where the account aggregation procedure was performed, the type of transaction, and the branch of the account that became unnecessary Information such as name and account number, branch name and account number of the destination account is included. When receiving the transaction content information, the center server system 17 stores the transaction content information in the account aggregation transaction database 18. Thereby, the real process performed for every transaction is complete | finished.

  Next, batch processing executed every day between the host computer system 11 and the center server system 17 will be described. In this case, when the processing amount of the host computer system 11 is low at night, the center server system 17 accesses the host computer system 11 and inquires about the account contents in the transaction accepted on that day. Here, the transaction accepted on the day corresponds to the transaction content information received by the center server system 17 from the automatic transaction apparatus 13 on the day and stored in the account aggregation transaction database 18 in the real process performed for each transaction described above. It is an account aggregation transaction.

  In this case, the center server system 17 transmits an account content inquiry request to the host computer system 11 via the automatic transaction apparatus network 16. The account content inquiry request is a request for inquiring personal information such as the name, date of birth, and address of the user 12 with pre-registered personal information for accounts corresponding to all transactions accepted on that day. is there. When the host computer system 11 receives the account content inquiry request, the host computer system 11 accesses information related to the account registered in advance, and the account corresponding to all transactions accepted on the day is included in the account content inquiry request. The automatic transaction apparatus determines whether or not the correspondence between the personal information of the user 12 and the personal information registered in advance is correct, and uses the determined result as an inquiry result via the automatic transaction apparatus network 16. Reply to 13.

  Subsequently, the center server system 17 determines whether or not the account contents are correct for each of the transactions accepted on the day based on the received inquiry result. That is, when the inquiry result is a result of determining that the correspondence between the personal information of the user 12 included in the account content inquiry request and the personal information registered in advance is correct, the center server system 17 , Judge that the account details for the transaction are correct. Then, the center server system 17 transmits an execution request for aggregation processing to the host computer system 11 for the corresponding transaction. Subsequently, when the host computer system 11 receives the execution request for the aggregation process, the host computer system 11 executes a process for canceling the unnecessary account, and if there is a balance in the unnecessary account, Processing for transferring the balance to the destination account is executed. When the processing is completed, the host computer system 11 returns an aggregation processing completion notification to the center server system 17.

  Subsequently, when the center server system 17 receives the aggregation processing completion notification, the center server system 17 issues a statement slip that prints the details of the account aggregation transaction and executes the procedure completion notification processing for sending to the user 12. . In this case, based on the personal information of the user 12 included in the account content inquiry request, the address of the destination, the address, etc. are printed. The procedure completion notification process may be executed by another system such as a direct mail creation server (not shown) without being executed by the center server system 17. Thereby, the batch process executed every day is completed.

  When the inquiry result is a result of determining that the correspondence between the personal information of the user 12 included in the account content inquiry request and the personal information registered in advance is not correct, the center server system 17 Judge that the account details for the transaction are not correct. In this case, the center server system 17 does not send the execution request for the aggregation process to the host computer system 11, issues the process impossible notification, and executes the process impossible notification process for sending to the user 12.

Next, a flowchart will be described.
Step S21 The automatic transaction apparatus 13 accesses the host computer system 11 and inquires the personal identification number corresponding to the unnecessary account.
Step S22 The automatic transaction apparatus 13 transmits an unnecessary account use stop instruction to the host computer system 11.
Step S23 The automatic transaction apparatus 13 accesses the center server system 17 and registers a transaction content database.
Step S24 The center server system 17 accesses the host computer system 11 and inquires about the account contents in the transaction accepted on that day.
Step S25 The host computer system 11 executes an aggregation process.
Step S26: The center server system 17 executes procedure completion notification processing.

  Thus, in the present embodiment, the user 12 can cancel unnecessary accounts and consolidate accounts by operating the automatic transaction apparatus 13 using the card 14 or the passbook 15. Therefore, there is no need to go to a financial institution, and the user 12 feels annoyed because it is possible to cancel unnecessary accounts and consolidate them even outside the business hours of financial hours. It is possible to consolidate accounts easily. In addition, the financial institution can reduce the cost of managing unnecessary accounts, and furthermore, since it is not necessary to perform cancellation work in response to the user, it is possible to reduce the cost for performing the cancellation work. it can.

  The present embodiment can also be applied to a case where the user 12 has only one account opened in the financial institution and cancels the account. In this case, the balance of the account to be canceled cannot be transferred to the destination account, but it can be canceled even for an account with a balance by sending it to the user 12 by postal money order.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a conceptual diagram which shows the structure of the account aggregation system in embodiment of this invention. It is a 1st figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 2nd figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 3rd figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 4th figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 5th figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 6th figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 7th figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is an 8th figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a 9th figure which shows the display screen of the user operation part of the automatic transaction apparatus in embodiment of this invention. It is a figure which shows the transaction copy which the automatic transaction apparatus in embodiment of this invention issues. It is a flowchart which shows the operation | movement which operates the automatic transaction apparatus in embodiment of this invention. It is a flowchart which shows the operation | movement in the process performed among the host computer system in an embodiment of this invention, an automatic transaction apparatus, and a center server system.

Explanation of symbols

10 Account Aggregation System 11 Host Computer System 12 User 13 Automatic Transaction Device 14 Card 15 Passbook 17 Center Server System 18 Account Aggregation Transaction Database

Claims (5)

(A) a user operation unit operated by a user who has opened an account with a financial institution, and a card handling unit that handles the user's card or a passbook handling unit that handles the user's passbook; An automatic transaction apparatus that allows a person to perform a procedure for aggregating accounts,
(B) an accounting system host device that is communicably connected to the automatic transaction apparatus and processes a financial transaction performed by the user operating the automatic transaction apparatus;
(C) an account aggregation transaction database that is communicably connected to the automatic transaction apparatus and the account system host apparatus and stores transaction content information of a procedure for aggregating the accounts received from the automatic transaction apparatus, An account aggregation system comprising: a server that accesses a host device and processes a procedure for aggregating the account. (A) The automatic transaction apparatus accesses the accounting system host apparatus and the server and performs processing of a procedure for aggregating the accounts in real time,
(B) The account aggregating system according to claim 1, wherein the server performs a process of a procedure for aggregating the account by accessing the accounting system host apparatus by batch processing.   The account aggregation system according to claim 1 or 2, wherein the procedure for aggregating the accounts is a procedure for canceling at least one of the accounts and transferring the balance of the account to another account. (A) a user operation unit operated by a user who has opened an account with a financial institution;
(B) a card handling unit that handles the user's card or a passbook handling unit that handles the user's passbook;
(C) The automatic transaction apparatus, wherein the user uses the card or the passbook to operate the user operation unit to perform a procedure for collecting accounts. 5. The automatic transaction apparatus accesses an accounting system host apparatus that processes financial transactions and a server that processes a procedure for aggregating accounts, and performs a process for aggregating the accounts in real time. The automatic transaction apparatus as described in.

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