JP2006004392A

JP2006004392A - Internet banking with testament

Info

Publication number: JP2006004392A
Application number: JP2004207911A
Authority: JP
Inventors: Mitsuaki Ono; 光昭小野
Original assignee: Individual
Current assignee: Individual
Priority date: 2004-06-18
Filing date: 2004-06-18
Publication date: 2006-01-05

Abstract

<P>PROBLEM TO BE SOLVED: To dissipate a part of anxiety which the aging society contains, by providing a service of making a depositor/saver easily write an authentic testament without reluctance during his or her lifetime, preserving the testament together with deposits/savings, and correctly and surely opening the testament after his or her death, in an Internet banking system provided by a banking organ and to allow the banking organ not only to expand the amount of deposits and savings but also to quickly process accounts of dead depositors and savers. <P>SOLUTION: The banking organ provides an Internet banking system with testaments, wherein not only deposits and savings of depositors and savers are preserved but also their testaments are preserved in an electronic document form and are opened after their death in the Internet banking system. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

この発明は、インターネットバンキングのサービス付加に関する。 The present invention relates to addition of services for Internet banking.

従来のインターネットバンクシステムは、預貯金を、管理するシステムである。 The conventional Internet bank system is a system for managing deposits and savings.

しかしながら、以上の技術によれば、インターネットバンクシステムは預貯金の管理以外のサービスを、提供可能なのにもかかわらず、従来どおりの預貯金を、管理するシステムだけである。そこで、この発明は、預貯金者の意思を、電子文書により、預貯金と共に、保管するサービスを提供することを、課題とする。However, according to the above technology, the Internet bank system is only a system for managing deposits and savings as usual, although services other than deposit and savings management can be provided. SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a service for storing an intention of a deposit savings person together with a savings deposit using an electronic document.

以上の課題を解決するために、第一発明は、インターネットバンクシステム内に、預貯金者が金融機関の定めるセキュリティ基準に従い、電子文書作成用ログインタブを、設けることを特徴とする、インターネットバンクシステムである。
また、第二発明は、金融機関所有の死亡者情報処理システムにより、預貯金者の死亡を確認した場合は、預貯金と同一基準により、保管電子文書を公開するが、電子文書内容には責任を有しない。また、相続権にも関与は無く、法律的根拠のある電子文書ではないことを、特徴とする遺言サービス付インターネットバンクシステムである。In order to solve the above-mentioned problems, the first invention is an internet bank system characterized in that a deposit / savingsier provides a login tab for creating an electronic document in accordance with a security standard established by a financial institution in the internet bank system. is there.
In addition, the second invention discloses a stored electronic document based on the same standards as deposits and savings when the death of a deposit and savings is confirmed by the death information processing system owned by a financial institution, but is responsible for the contents of the electronic document. do not do. In addition, it is an Internet bank system with a will service characterized in that it is not involved in inheritance rights and is not an electronic document with a legal basis.

第一発明、第二発明によれば、預貯金者は預貯金と共に、自分の意思を電子文書にて、保管することにより、死亡後に、正しく確実に公開できる可能性がある。金融機関はこの付加サービスにより、預貯金額拡大を図る。また、死亡した預貯金者口座の整理、及び、抹消処理が迅速になる。 According to the first invention and the second invention, the depositary / saveer can store his / her intention in an electronic document together with the deposit / save, and thus can be disclosed correctly and reliably after death. Financial institutions will use this additional service to increase their deposits and savings. In addition, the deposit and savings account that has died and the erasure process are expedited.

この発明の一実施形態を、図１に示す。
金融機関の定める暗証番号等のセキュリティ基準を、満たしてログインした後に、表示される（仮称）「遺言メモ」にログインして、自由に文書を、作成できる。しかし、預貯金者以外が安易に内容変更できないように、書換えは１年間に預貯金者が指定する１日間だけとし、口座が解約されるまで変更できない。指定日が、システム稼動不可能な場合は、翌システム稼働日とする。One embodiment of the present invention is shown in FIG.
After logging in by satisfying security standards such as a PIN number set by a financial institution, you can log in to the “tentative memo” displayed (tentative name) and create a document freely. However, in order to make it easy for anyone other than the savings bank to change the contents easily, rewriting is limited to one day specified by the savings bank for one year and cannot be changed until the account is terminated. If the specified date is unavailable for system operation, the next system operation date is assumed.

「実施形態の効果」
この実施形態によれば、預貯金者以外が、書込み内容を、改ざんすることが、難しくなり、信憑性を高められる。"Effect of the embodiment"
According to this embodiment, it becomes difficult for anyone other than the deposit savings to tamper with the written contents, and the credibility is improved.

この発明の一実施形態を示す図である。It is a figure which shows one Embodiment of this invention.

Explanation of symbols

１金融機関のホームページ２金融機関のセキュリティ基準
３口座画面の中の「遺言メモ」タブ1 Homepage of financial institution 2 Security standard of financial institution 3 “Written memo” tab in the account screen

Claims

An Internet bank system with a will service, characterized by the fact that financial institutions store not only deposits and savings but also electronic documents using the same standard security system as deposits and savings.