JP2006127391A - Mobile banking sales method, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a mobile banking sales method for completing the procedures of whole transactions at a visit destination, which are generated by an sales activity by the salesperson of a financial organization, etc. <P>SOLUTION: A sales mobile terminal 102 which is carried by the salesperson so as to be operated at the visit destination of a customer, etc., is connected to a sales mobile server 106 for processing the transaction from the sales mobile terminal 102 via a network 107 such as the Internet. The sales mobile server 106 includes a sales account DB 125 for managing a sales account where money reception/payment generated in the transaction performed at the visit destination of the customer, etc., is recorded by the salesperson. Then information for the transaction is processed by using the sales account with respect to data of the different transactions transmitted from the sales mobile terminal 102. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a foreign mobile banking method and program, and more particularly, to a foreign mobile banking method and program capable of executing various types of information processing necessary for external activities in financial institutions such as banks using a computer. .

For example, a technique described in Patent Document 1 or the like is known as a conventional technique relating to a method for performing various types of information processing necessary for a foreign agency employee of a financial institution such as a bank. This conventional technology transfers data such as portable terminals, etc., brought back by foreign affairs officers by entering various data at the place of visit, etc., to the equipment provided in the financial institution, and collects the passbook and cash to the equipment in a lump. The present invention relates to an apparatus that can automatically complete a deposit process and an unbooked bookkeeping process without being involved, and can store data. Further, as another conventional technique, for example, a technique described in Non-Patent Document 1 is known. In this conventional technology, a foreign agent processes a procedure such as payment and transfer requested by a customer's SME or individual customer on the spot using a mobile phone.
Japanese Patent Laid-Open No. 9-330452 Thursday, June 3, 2004 Nikkei Sangyo Shimbun article "Financial transaction processing system for financial institutions using mobile phones"

  Generally, a series of collection work by a foreign agency employee of a financial institution includes drafting of slips, issuance of deposit receipts, office work after returning to the store, etc. Along with revisiting, etc., it is a costly business.

  Financial institutions, mainly major banks, are trying to reduce costs by reducing collection operations and collecting fees, but for regional financial institutions that need to maintain and strengthen close relationships with customers. It is difficult to abolish the collection business. For this reason, regional financial institutions have a problem of how to reduce costs while keeping their collection work.

  In the prior art described in Patent Document 1 described above, since the foreign clerk transfers the data stored at the visited site to the portable terminal or the like after returning to the device side, the bookkeeping process is performed. There is a problem that a time lag occurs between the transaction time and the time when the bookkeeping process is actually performed in the accounting system.

  Moreover, although the prior art described in Non-Patent Document 1 can deal with transactions such as cash deposits and transfers from customers at a visit, it cannot cope with cash withdrawal transactions. have.

  An object of the present invention is to solve the above-mentioned problems of the prior art, and to provide a foreign mobile banking method and program capable of completing all transaction procedures generated by external activities by foreign officials at a visited site. is there.

In the present invention for solving the above-described problems, a virtual external account is created, and information processing that supports external activities is executed using the virtual external account. More specifically,
According to the present invention, the above object is achieved through a network between a foreign mobile terminal possessed by a foreign affairs employee and operated at a visit destination such as a customer, and a foreign mobile server that processes transaction data transmitted from the foreign mobile terminal. In the external mobile banking method for connecting and using the external mobile terminal, the external mobile server manages an external account that records deposits and withdrawals generated by transactions performed by foreign agents at customers' visits, etc. This is achieved by performing information processing for transactions using the above-mentioned external account on the data of various transactions transmitted from.

  In addition, the purpose is to connect, via a network, a foreign mobile terminal possessed by a foreign employee and operated by a customer or the like, and a foreign mobile server that processes transaction data transmitted from the foreign mobile terminal, A foreign mobile banking program for executing a foreign mobile banking process using the external mobile terminal, the step of managing a public account that records deposits and withdrawals caused by transactions conducted by a foreign agent at a customer's destination, and This is achieved by causing the external mobile server to execute the information processing for the transaction using the aforementioned external account for the various transaction data transmitted from the mobile terminal.

  It is sufficient that the customer visits the customer, and the place of residence of the customer and the place of work are included. Further, it may be a customer related person or agent.

  According to the present invention, it is possible to complete all the procedures of transactions that occur due to a public relations activity by a foreign relations employee online at a visited place.

  Hereinafter, embodiments of the external mobile banking method according to the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing the configuration of a system that implements the external mobile banking method according to an embodiment of the present invention. In FIG. 1, 101 is a customer terminal, 102 is a public relations mobile terminal, 103 is a government office terminal, 104 is a teller machine, 105 is a web server, 106 is a public relations mobile server, 107 and 120 are networks, 108 is a reservation registration program, 109 Is a withdrawal calculation program, 110 is a temporary withdrawal program, 111 is a cash deposit program, 112 is a cash withdrawal program, 113 is a periodic maturity processing program, 114 is a cash transfer program, 115 is a deposit management program, 116 is a foreign account Charge program, 117 is a transaction review program, 118 is an account system linkage server, 119 is an account system, 121 is a customer basic information database (DB), 122 is a transaction reservation DB, 123 is an external account transaction performance DB, and 124 is a take-out Cash management DB, 125 is a foreign account DB, 126 is On-hand cash management DB, 127 is a term deposit detail management DB, 128 is a transaction transaction at maturity, 129 is a deposit management DB, 130 is a temporary account DB, and 131 is a customer account DB.

  A system for performing a foreign mobile banking method according to an embodiment of the present invention includes a foreign mobile server 106, a customer terminal 101, a foreign mobile terminal 102, an office terminal 103, a web server 105, a billing system linkage server 118, and a billing system 119. It is prepared for. These devices are connected by networks 107 and 120 as shown in FIG. The network 107 may be the Internet, a public communication network, or the like, and the external mobile terminal 102 may be connected to the network 107 via a wireless LAN or the like. The teller machine 104 is a device used for counting cash on hand and calculating the amount of money.

  The public relations mobile server 106 may be a server computer, a PC or the like, and in its memory, a reservation registration program 108, a withdrawal amount calculation program 109, a temporary payment withdrawal program 110, a cash deposit program 111, a cash withdrawal program 112 are stored. The periodic maturity processing program 113, the cash transfer program 114, the deposit management program 115, the external bank account charge program 116, and the transaction review program 117 are stored and executed by the CPU of the external mobile server 106. Further, on the secondary storage device such as a magnetic disk of the external mobile server 106, the customer basic information DB 121, the transaction reservation DB 122, the external account transaction performance DB 123, the money appearance management DB 124, the external account DB 125, the cash management DB 126, the periodic The deposit details management DB 127, the maturity transaction DB 128, and the deposit management DB 129 are stored. The account system 119 is connected to a storage device that stores a temporary payment account DB 130 and a customer account DB 131. Each DB described above is accessed by each program described above.

  The customer terminal 101 may be a PC, a mobile phone, a mobile terminal, or the like, and includes an input device and a display device. Further, the customer terminal 101 includes a web browser, accesses the external mobile server 106 via the web server 105, and acquires and displays a display screen related to a transaction result completion notification and the like. Furthermore, the customer terminal 101 transmits input data such as transaction reservations to the external mobile server 106.

  The external mobile terminal 102 includes an input device and a display device, and also includes a Web browser, accesses the external mobile server 106 via the Web server 105, and displays a display screen relating to cash deposits and withdrawals performed by the customer. Obtain and display. Further, the external mobile terminal 102 transmits data related to a deposit / lending transaction performed by the customer to the external mobile server 106.

  The officer's seat terminal 103 includes an input device and a display device, and also includes a web browser, accesses the external mobile server 106 via the web server 105, and displays a display screen related to an approval procedure when applying for a temporary payment. Is acquired and displayed. In addition, the board terminal 103 transmits data related to an approval procedure at the time of application for temporary payment to the external mobile server 106.

  The external mobile server 106 accesses the accounting system 119 via the accounting system linkage server 118 and transmits transaction data such as cash deposits and withdrawals processed by the external mobile server 106.

  Although the system shown in FIG. 1 is shown as a configuration including the web server 105 and the external mobile server 106 independently, the present invention may be configured such that these servers are configured in one computer.

  Next, regarding various processing operations in the system shown in FIG. 1, the flowchart shown in FIGS. 2 to 15, the example of the display screen shown in FIGS. 16 to 26, and the configuration of the DB shown in FIGS. The description will be given with reference.

  FIG. 2 is a flowchart for explaining an outline of a basic processing procedure such as cash deposit / withdrawal executed by the external mobile server 106. First, this will be described.

(1) First, a foreign attendant visiting a customer site inputs the customer ID and password from the external mobile terminal 102 and transmits them to the external mobile server 106 (step 201).

(2) The public relations mobile server 106 authenticates the user based on the customer ID and password transmitted in step 201. In the example shown in FIG. 2, authentication by ID and password is performed as an example of the authentication unit, but authentication by another authentication unit such as an IC card or biometric authentication may be performed (step 202).

(3) After verifying the identity by the processing in step 202, the external mobile server 106 creates a transaction screen operated by the customer and transmits it to the external mobile terminal 102. The transmitted transaction screen operated by the customer is displayed on the foreign exchange mobile terminal 102 (steps 203 and 204).

(4) The customer inputs transaction details such as cash deposits and withdrawals from the transaction screen operated by the customer displayed on the external mobile terminal 102 in step 204, and transmits the transaction content to the external mobile server 106 (step 205). ).

(5) The external mobile server 106 stores the transaction data transmitted from the external mobile terminal 102 in the process of step 205 in the external account DB 125, and updates the external account (step 206).

(6) Next, the external mobile server 106 reads the transaction data of the external account DB 125 registered in the process of step 206, creates a confirmation screen for cash receipt, etc., and directs the created screen to the external mobile terminal 102. Present. This confirmation screen for cash receipt or the like is displayed on the external mobile terminal 102 (steps 207 and 208).

(7) Next, from the confirmation screen for cash receipts displayed on the foreign mobile terminal 102 in the processing of step 208, the customer after receiving the cash at the time of payment or cash at the time of withdrawal will confirm the cash receipt etc. Enter information. The external mobile terminal 102 transmits the input confirmation data to the external mobile server 106 (step 209).

(8) Next, the external mobile server 106 stores the received confirmation data such as cash receipt in the external account DB 125, and accounts the transaction data stored in the external account DB 125 via the account system linkage server 118. It transmits to the system system 119 (steps 210 and 211).

(9) The account system 119 receives the transaction data transmitted via the account system linkage server 118 in step 211, performs a bookkeeping process for the transaction, and updates the customer account DB 131 (step 212).

(10) After completion of the bookkeeping process in the billing system 119 in step 212, the billing system cooperation server 118 reads the bookkeeping process completion in the billing system 119 and transmits the processing completion data to the external mobile server 106 (step 213). ).

(11) Upon receipt of the processing completion data in step 213, the external mobile server 106 updates the on-hand cash management DB 126 and transmits a notification of completion of the bookkeeping processing in the accounting system 119. This notification is transmitted by e-mail to the customer terminal 101 and the foreign mobile terminal 102 and displayed on each terminal (steps 214 to 217).

  The notification of the completion of the bookkeeping process to the customer terminal 101 is performed only when the customer possesses a terminal for Internet banking or the like, and when the customer does not possess the terminal, The displayed notification of completion of the bookkeeping process can be given to the customer by printing or the like. The same applies to other processes described later.

  FIG. 3 is a flowchart for explaining the processing operation of the carry-out amount calculation program 109, which will be described next. This process is a process for calculating the amount of cash possessed when a foreign employee goes out for a public relations activity.

(1) First, the public relations mobile server 106 searches for data corresponding to the withdrawal transaction from the transaction reservation data for each employee in charge stored in the transaction reservation DB 122, and adds the amount to calculate the sum of the withdrawal reservation amount. Calculate (step 301).

  FIG. 27 is a diagram showing a data configuration example of the transaction reservation DB 122. Here, the data configuration of the transaction reservation DB 122 will be described. The transaction reservation DB 122 includes a plurality of records describing a customer name 2701, a reservation date 2702, a desired transaction date 2703, a time 2704, a transaction type 2705, a subject 2706, an account number 2707, and an amount 2708. The customer name 2701 stores the name of the customer who made the transaction reservation, and the reservation date 2702 stores the reservation date information of the customer. In the desired transaction date 2703 and time 2704, customer desired date information and desired transaction time zone information are stored. The transaction type 2705 stores desired transaction type information such as deposit and withdrawal, and the item 2706 stores desired transaction item information. The account number 2707 stores desired transaction account number information, and the amount 2708 stores desired transaction amount information. In the case of the example shown in FIG. 27, since the transaction data whose withdrawal is the desired transaction item is B Shoji Co., Ltd., the calculation result of the customer reservation amount calculated in step 301 is 1,000,000. Yen.

(2) Next, the external mobile server 106 searches for transactions of about 5 business days from the same day of the previous month from the transaction result information for each employee in charge stored in the external account transaction result DB 123 (step 302).

  FIG. 28 is a diagram showing a data configuration example of the external account transaction result DB 123. Here, the data structure of the external account transaction result DB 123 will be described. The data in the external account transaction record DB 123 is stored for each external employee, and includes items 2801 to 2816 shown in FIG. The customer name 2801 stores information on the name of the customer who performed the transaction. In transaction date 2802 and transaction time 2803, transaction date information and transaction time information for the transaction are stored. The transaction type 2804 stores transaction type information of the transaction. The subject 2805 stores deposit subject information for performing the transaction, and the account number 2806 stores account number information for performing the transaction. The amount 2807 stores the amount information for performing the transaction. The transfer destination financial institution 2808 stores information on the transfer destination financial institution when performing the transfer transaction, and the transfer destination item 2809 stores information on the transfer destination when performing the transfer transaction, and the transfer destination account number 2810. Stores the account number information of the transfer destination when performing the transfer transaction. The deposit request 2811 stores deposit request information manually registered by the customer. The receipt cash receipt confirmation 2812 stores receipt cash receipt confirmation information manually registered by a foreign agent. In the withdrawal request 2813, withdrawal request information registered manually by the customer is stored. The withdrawal cash receipt confirmation 2814 stores withdrawal cash receipt confirmation information registered manually by the customer. The transaction authentication 2815 stores information on whether transaction authentication has been completed or not completed at the time of a withdrawal transaction, and the account processing 2816 stores processing status information of the account system 119.

(3) Next, the external mobile server 106 searches the transaction reservation DB 122 for the above-described transaction, determines whether or not the transaction assumed to have the same content has been reserved, and is assumed to have the same content. Whether or not the transaction has been executed in the current month is searched within a range of about the past 5 business days (steps 303 and 304).

(4) As a result of the determination in steps 303 and 304, the external mobile server 106 extracts a transaction that does not apply to either, and adds the cash withdrawal amount to calculate the expected amount (step 305).

  In the case of the example described, as shown in FIG. 28, the withdrawal transaction of C Corporation is applicable, and the expected amount is 1,600,000 yen. Transactions with a withdrawal of 1,000,000 yen from B Shoji Co., Ltd. on June 30 are excluded from the expected amount addition because the same transaction is stored in the transaction reservation DB 122. In addition, as a method of calculating the expected amount, here, only the cash withdrawal amount is extracted and added, but it is a value calculated by adding the cash withdrawal amount and subtracting the cash receipt amount. It may be calculated by multiplying coefficients or by calculating an average value from transactions in the same period of the past several months. The calculated result is stored in the money appearance management DB 124.

  FIG. 29 is a diagram illustrating a data configuration example of the money appearance management DB 124. Here, a data configuration example of the money appearance management DB 124 will be described. The data of the money appearance management DB is composed of items 2901 to 2910 shown in FIG. The assigned employee 2901 stores the assigned employee name information. In the take-out category 2902, take-out category information indicating whether new take-out or additional take-out is stored. The calculation date 2903 stores the calculation date information of the recommended carry-out amount. In the take-out date 2904, take-out date information is stored. The total reservation amount 2905 stores the total reservation amount information for the cash withdrawal for each person in charge calculated in the process of step 301. The estimated amount total 2906 stores the estimated amount total information calculated in the process of step 305. The total recommended amount 2907 stores the total value of the reservation amount total information 2905 and the estimated amount total information 2906 as the recommended amount to be taken out. For example, when the take-out category 2902 is new, the temporary payment application amount total 2908 stores temporary payment application amount information manually input by a foreign agent with reference to the recommended removal amount. In the approval category 2909, circulation status information (applying, approval, return, etc.) of the temporary payment application workflow is stored, and in the temporary payment process 2910, temporary payment processing status information (booking process requested, completed) is stored. Is done. In the case of the example described here, “New” is stored in the take-out section 2902. The calculation date 2903 stores “July 29”, which is the date corresponding to the previous business day in the example described. In the take-out date 2904, “July 30”, which is the date corresponding to the take-out date in the example described, is stored. The reservation amount total 2905 stores 1,000,000 yen calculated in the process of step 301. The estimated amount total 2906 stores 1,600,000 yen calculated in the process of step 305. 2,600,000 yen is stored in the recommended take-out amount total 2907.

  FIG. 4 is a flowchart for explaining the processing operation of the temporary payment program 110, which will be described next.

(1) First, the foreign agent inputs the ID and password of the external agent from the external mobile terminal 102, and transmits the ID and password to the external mobile server 106 for personal authentication (step 401).

(2) The external mobile server 106 authenticates the person using the ID and password of the external agent transmitted in step 401. In the example shown in FIG. 4, authentication using an ID and password is performed as an example of an authentication unit. However, authentication using another authentication unit such as an IC card or biometric authentication may be used. Here, it is assumed that the public relations officer “Taro Yamada” logs in (step 402).

(3) Next, the public relations mobile server 106 creates a public relations top screen and transmits it for presentation to the public relations mobile terminal 102. This foreign exchange top screen is displayed on the foreign exchange mobile terminal 102 (steps 403 and 404).

  FIG. 16 is a diagram showing a screen example of the public relations top screen. The public relations top screen is roughly divided into two functions: a transaction menu display and a foreign relations support information display. The following is an example of the transaction menu and external activity support information. In this screen example, 1601 is the log-in date of the relevant foreign employee to the foreign mobile server 106, and 1602 is the name of the person in charge of the foreign employee. The screen example shown in FIG. 16 is an example of a screen that is displayed when the foreign affairs officer “Taro Yamada” logs in to the foreign mobile server 106 on the login date, July 30, 2004. As a transaction menu, a temporary payment procedure request button 1603, a charge application request button 1604 to be used when cash on hand is insufficient, and a transaction review request button 1605 are displayed. In addition, in the today's visit schedule 1606 in the external support activity support information, the visit schedule of today for the relevant foreign employee is displayed. In the case of the illustrated example, information related to a visitor scheduled to visit on July 30, 2004, by the public relations officer “Taro Yamada” is displayed. In the time deposit maturity information 1607, maturity information of a time deposit that is handled by a customer who is in charge of the foreign agent is displayed. In the loan-related information 1608, loan-related information that is handled by the customer who is in charge of the foreign agent is displayed. The deposit information 1609 displays information on deposits such as bankbooks from customers in charge of the foreign agent. The contact item 1610 displays information for supporting sales activities such as campaign information. The information 1606 to 1610 described above displays information that supports various public relations activities for the public relations officer “Taro Yamada”.

(4) Next, the foreign attendant presses the temporary payment procedure button 1603 from the foreign exchange top screen shown in FIG. 16 displayed on the foreign exchange mobile terminal 102 and requests the temporary mobile procedure to the foreign exchange mobile server 106 (step) 405).

(5) Upon receiving the temporary payment procedure request from Step 405 from the foreign clerk, the foreign mobile server 106 takes in the recommended withdrawal data on the day stored in the money appearance management DB 124 (Step 406).

(6) Next, the external mobile server 106 creates a withdrawal amount application screen on the day and transmits it for presentation to the external mobile terminal 102. This on-the-day withdrawal amount application screen is received and displayed at the external mobile terminal 102 (steps 407 and 408).

  FIG. 17 is a diagram showing a screen example of the on-day withdrawal amount application screen. The on-day withdrawal amount application screen is roughly divided into three functions: details of the current day's transaction reservation, on-day recommended amount display, and provisional deposit application amount input items. In this screen example, reference numeral 1701 denotes the login date of the foreign affairs employee to the foreign exchange mobile server 106, and 1702 denotes the name of the person in charge of the external affairs employee. The transaction reservation data stored in the transaction reservation DB 122 is read in today's transaction reservation details 1703, and detailed information for today's transaction reservations is displayed. In the case of the example described here, the transaction reservation DB 122 includes, as shown in FIG. 27, payment reservation transaction information of A Industry Co., Ltd. and withdrawal reservation transaction information of B Trading Co., Ltd. Since it is stored, today's transaction reservation details 1703 displays deposit reservation transaction details information of A Industry Co., Ltd. and withdrawal reservation transaction details information of B Corporation. The reservation amount total 1704 reads the reservation amount total data for each person in charge stored in the money appearance management DB 124 and displays the reservation amount total information. In the case of the example described, a total reservation amount of 1,000,000 yen for the foreign affairs officer “Taro Yamada” is displayed. The estimated amount total 1705 reads the estimated amount total data for each person in charge stored in the deposit amount management DB 124 and displays the estimated amount total information. In the case of the example described, a total estimated amount of 1,600,000 yen is displayed for the foreign agent “Taro Yamada”. The recommended carry-out amount total 1706 reads the recommended take-out amount total data for each person in charge stored in the carry-out amount management DB 124 and displays the recommended take-out amount information. In the case of the explained example, here, a recommended amount of 2,600,000 yen to be taken out by the foreign agent “Taro Yamada” is displayed. In step 409 described below, the provisional payment application total amount 1707 is determined manually by referring to the recommended removal total amount information displayed on the recommended removal total amount 1706 on the day. This is the item to be entered. The application button 1708 is a button that is pressed when an application is made to obtain the approval of the temporary payment application information with respect to the senior officer of the foreign affairs officer.

(7) The foreign affairs officer inputs the amount of temporary payment application determined by the foreign affairs officer on the same day withdrawal amount application screen shown in FIG. 17 displayed on the foreign affairs mobile terminal 102, and applies for the same day withdrawal amount application screen shown in FIG. 17. By pressing a button 1708, a temporary payment amount approval request is made to the foreign officer. The input data of the temporary payment application amount is registered in the money appearance management DB 124 (steps 409 and 410).

  In the case of the example described, it is assumed that the public relations officer “Taro Yamada” determines that a provisional payment application of 2,600,000 yen, which is the same amount as the recommended take-out amount calculated by the public relations mobile server 106, is necessary. Then, 2,600,000 yen is input in the item of the total amount of temporary payment application 1707, and 2,600,000 yen is included in the total amount of temporary payment application 2908 in the money appearance management DB shown in FIG. Stored.

(8) Since the application button 1708 is pressed in the processing of step 410, a screen for approving the amount of money to be taken out on the day is displayed on the officer's seat terminal 103. On the day, the amount application information for the amount applied by each foreign affairs person in charge is confirmed from the board terminal 103, and an approval action is performed. The approval data input by the foreign officials is registered in the money appearance management DB 124 (step 411).

  FIG. 18 is a diagram showing an example of a screen application for approving a withdrawal amount on the day that is displayed on the officer's seat terminal 103 and operated by a foreign officer. In the screen example shown in FIG. 18, 1801 is the login date of the person in charge of the public relations to the foreign relations mobile server 106, and 1802 is the name of the person in charge of the person in charge of the public relations. The person in charge 1803 reads the application amount application information on the day for each person in charge registered in the money appearance management DB 124 and displays the application amount application information on the day. An approval 1804 is an area for an approval check box, and a return 1805 is a return check box. The foreign affairs officer confirms the application information on the day of withdrawal displayed for each person in charge, checks either approval or return, and presses the execute button 1806. In the illustrated example, the public relations seat “Jiro Suzuki” is the approver and is logged in to the public relations mobile server 106 from the office terminal 103, and the public relations officer “Taro Yamada” displayed in the person in charge 1803 applies. 29, the approval category 2909 of the deposit management DB shown in FIG. 29 shows that the public office “Jiro Suzuki” is displayed on the office terminal 103. In response to the result of the approval operation on the on-the-day withdrawal amount application approval screen shown in FIG. 18, the status becomes “approved”.

(9) Next, the external mobile server 106 creates temporary payment withdrawal data for data transmission to the accounting system 119, and the created temporary payment withdrawal data is sent to the accounting system 119 via the accounting system linkage server 118. (Steps 412 and 413).

(10) The accounting system 119 performs a bookkeeping process for the temporary payment withdrawal transaction transmitted in step 413, and updates the temporary payment account DB 130 (step 414).

(11) Next, after completion of the bookkeeping process in the account system 119 in step 414, the account system linkage server 118 reads the completion of the process, and transmits temporary payment withdrawal bookkeeping process completion data to the external mobile server 106 (step) 415).

(12) The public relations mobile server 106 receives the temporary payment withdrawal process completion data in step 415, registers the completion information of the accounting system bookkeeping process in the cash appearance management DB 124, and the temporary payment approved in the cash management DB 126 on hand. The amount information is registered (steps 416 and 417).

  FIG. 31 is a diagram showing a data configuration example of the handheld cash management DB 126. Here, a data configuration example of the handheld cash management DB 126 will be described. The cash management DB data is composed of items 3101 to 3106 shown in FIG. The customer name 3101 stores customer name information, and the deposit 3102 stores cash deposit amount information. The withdrawal 3103 stores cash withdrawal amount information, and the cash balance 3104 stores on-hand cash balance information. The external account 3105 stores cash management information in the external account, and the total 3106 stores money amount information obtained by adding the cash balance information 3104 on hand and the cash management information 3105 in the external account. In the case of the example described, in the process of step 416, the item of the temporary payment process 2910 of the money appearance management DB 124 shown in FIG. Also, in the processing of step 417, 2,600,000 yen, which is the approved temporary payment amount, is stored in the cash balance 3104 of the on-hand cash management DB 126 shown in FIG.

(13) Next, the external mobile server 106 transmits a notification of completion of the bookkeeping process in the accounting system 119. The notification of the completion of the bookkeeping process is transmitted to the public relations mobile terminal 102 and the executive office terminal 103 by electronic mail (steps 418 to 420).

  FIG. 5 is a flowchart for explaining the processing operation of the cash deposit program 111, which will be described next. This processing is performed in a situation where a foreign sales representative visits a customer and the foreign sales representative and the customer negotiate in person.

(1) First, the foreign affairs employee inputs the customer ID and password from the external mobile terminal 102, and transmits the ID and password to the external mobile server 106 for personal authentication (step 501).

(2) The public relations mobile server 106 authenticates the user based on the customer ID and password transmitted in step 501. In the example shown in FIG. 5, authentication by ID and password is performed as an example of the authentication unit, but authentication by another authentication unit such as an IC card or biometric authentication may be used. Here, it is assumed that A Industry Co., Ltd. logs in (step 502).

(3) Next, the external mobile server 106 searches the transaction reservation DB 122 to determine whether or not the customer has received a transaction reservation. The process proceeds to the processing of the flow to be performed (step 503).

  FIG. 23 is a diagram showing an example of a transaction reservation input screen displayed on the customer terminal 101. Here, the configuration and operation of the transaction reservation input screen will be described. If the customer does not have the customer terminal 101, a similar screen can be displayed on the external mobile terminal 102 at the time of a visit by a foreign sales representative to allow the customer to operate. In the example of the transaction reservation input screen shown in FIG. 23, 2301 is the login date of the foreign mobile server 106, 2302 is the name of the customer who makes the transaction reservation, and 2303 is in charge of the transaction reserved by the customer. This is the name of the foreign affairs officer you want to receive. This public relations employee name 2303 can be selected and input. In 2304, a desired transaction date can be input, and in 2305, a desired transaction time zone can be selected and input. In 2306, the type of desired transaction can be selected and input. In 2307, a desired transaction item can be selected and input. In 2308, an account number for a transaction can be input. In 2309, a desired transaction amount can be input. Reference numeral 2310 denotes a reservation button that the customer presses after confirming the input items described above. The transaction reservation data input on the transaction reservation input screen shown in FIG. 23 is stored in the transaction reservation DB 122. In the case of the illustrated example, A Industry Co., Ltd. uses the transaction reservation input screen shown in FIG. 23 displayed on the customer terminal 101 to change the account number 654321 of the checking account on July 17, 2004. It is assumed that a deposit transaction of cash 700,000 yen has been reserved in the time zone from 10:00 to 11:00 on July 30, 2004, and the input data is stored in the transaction reservation DB 122.

(4) If there is a reservation registration as a result of the search in step 503, the foreign mobile server 106 takes in the payment transaction reservation data of the customer from the transaction reservation DB 122 shown in FIG. 27 (step 504).

(5) Next, the external mobile server 106 creates a cash deposit transaction content input screen and presents this input screen to the external mobile terminal 102. As a result, the cash deposit transaction content input screen is transmitted to and displayed on the external mobile terminal 102 (steps 505 and 506).

  FIG. 19 is a diagram illustrating a screen example of the cash deposit transaction content input screen. Here, the configuration and operation of the cash deposit transaction content input screen will be described. In the screen example shown in FIG. 19, 1901 displays the login date to the foreign mobile server 106, 1902 displays the customer name, and 1903 displays the name of the foreign sales representative. In 1904, transaction type information selected by the customer can be input, and in 1905, transaction item information selected by the customer can be input. In 1906, account number information on which the customer makes a transaction can be input, and in 1907, money amount information on which the customer makes a transaction can be input. When the customer's transaction reservation information is registered in the transaction reservation DB 122 shown in FIG. 27, the items 1904 to 1907 described above are initially displayed by taking in the information stored in the transaction reservation DB 122. Reference numeral 1908 indicates the name of the person in charge of the transaction, and 1909 is a confirmation button for the input content on the cash deposit transaction content input screen shown in FIG. In the case of the example shown in FIG. 19, the transaction reservation information of A Industry Co., Ltd. is initially displayed.

(6) From the cash payment transaction content input screen shown in FIG. 19 displayed in step 506, the customer confirms the initial display content when there is a transaction reservation or the selection and input content when there is no transaction reservation, and then a confirmation button When 1909 is pressed, the external mobile terminal 102 requests the external mobile server for subsequent processing (step 507).

(7) In response to the request in step 507, the external mobile server 106 registers the cash receipt transaction data in the external account DB 125, reads the cash receipt transaction data stored in the external account DB 125, and confirms cash receipt. A screen is created, and this cash receipt confirmation screen is transmitted for presentation to the foreign mobile terminal 102 (steps 508 and 509).

(8) The public relations mobile terminal 102 displays the received cash receipt confirmation screen and transmits the cash receipt confirmation information by the foreign attendant to the public relations mobile server 106. Thereby, the cash receipt confirmation information is registered by the foreign mobile server 106 in the foreign account DB 125 shown in FIG. 30 (steps 510 and 511).

  FIG. 20 is a diagram showing an example of a cash receipt confirmation screen displayed on the foreign exchange mobile terminal 102. Here, the configuration and operation of the cash receipt confirmation screen will be described. In the screen example shown in FIG. 20, 2001 displays the login date to the foreign mobile server 106, 2002 displays the customer name, and 2003 displays the name of the foreign employee. In 2004, the transaction type is displayed, and in 2005, the transaction item is displayed. In 2006, account number information for the transaction is displayed, and in 2007, the transaction amount is displayed. In addition, in 2008, the name of the person in charge of public relations is displayed. 2009 is a confirmation button that is pressed after the foreign agent confirms the amount received. In the case of the example shown in FIG. 20, the cash payment transaction content of A Industry Co., Ltd. is displayed.

  FIG. 30 is a diagram illustrating a data configuration example of the external account DB 125. Here, an exemplary data configuration of the external account DB 125 will be described. The external account is an account that records deposits and withdrawals generated by transactions performed by foreign agents at customers and the like, and the external account DB 125 manages the contents of such external accounts. The data of the external account DB is composed of items 3001 to 3016 shown in FIG. In the data structure of the external account DB 125 shown in FIG. 30, 3001 stores customer name information for the transaction, and 3002 stores transaction date information of the transaction. 3003 stores transaction time information of the transaction, and 3004 stores transaction type information of the transaction. 3005 stores deposit item information for performing the transaction, and 3006 stores account number information for performing the transaction. In 3007, information on the amount of money for performing the transaction is stored, and in 3008, information on a transfer destination financial institution when performing the transfer transaction is stored. 3009 stores the transfer destination item information when performing the transfer transaction, and 3010 stores the account number information of the transfer destination when performing the transfer transaction. Reference numeral 3011 stores deposit request information manually registered by the customer. Reference numeral 3012 stores deposit cash receipt confirmation information manually registered by a foreign agent. Reference numeral 3013 stores withdrawal request information registered manually by the customer, and reference numeral 3014 stores withdrawal cash receipt confirmation information manually registered by the customer. 3015 stores completion / uncompleted information of transaction authentication performed at the time of the withdrawal transaction, and 3016 stores processing status information of the accounting system 119.

(9) The deposit transaction data stored in the external account DB 125 in the processing of step 511 is transmitted to the billing system 119 via the billing system linkage server 118, and the depositing book processing is performed in the billing system 119 (step 512). 513).

(10) After completing the deposit book process in the bill system 119, the bill system linkage server 118 reads the deposit book process completion and transmits the deposit book process completion data to the external mobile server 106 (step 514).

(11) Next, the external mobile server 106 registers the completion information of the deposit book processing by the account system 119 in the external account DB 125 shown in FIG. 30, and the deposit book process is performed by the account system 119 in the on-hand cash management DB 126. Deposit amount information is registered (step 515).

  In the case of the example described, 700,000 yen is stored in the deposit 3102 in the table of the on-hand cash management DB 126 shown in FIG. 31, and the cash balance 3104 is 700,000 on hand because the cash deposit transaction was performed. Since it has increased by the yen, 3,300,000 yen is stored at 2,600,000 yen + 700,000 yen.

(12) Next, the external mobile server 106 transmits a notice of completion of the deposit book process in the accounting system 119 to the customer terminal 101 and the external mobile terminal 102 by e-mail (steps 516 to 518).

  FIG. 6 is a flowchart for explaining the operation of the process when there is no reservation registration in the determination of the presence / absence of reservation registration in step 503, which will be described next.

(1) If it is determined in step 503 in the flow shown in FIG. 5 that there is no reservation registration, the external mobile server 106 creates a customer-specific transaction screen and presents it to the external mobile terminal 102. To send. This customer-specific transaction screen is received and displayed by the foreign exchange mobile terminal 102 (steps 601 and 602).

  FIG. 21 is a diagram illustrating a screen example of the customer-specific transaction screen. Here, the configuration and operation of the customer-specific transaction screen will be described. This customer-specific transaction screen can be broadly divided into two functions: a transaction menu display and a customer-specific public relations support information display. In the screen example shown in FIG. 21, 2101 displays the login date to the foreign mobile server 106, 2102 displays the customer name, and 2103 displays the name of the foreign sales representative. 2104 to 2109 are buttons for selecting a transaction menu when a foreign agent conducts a transaction. 2104 is a button pressed by a foreign agent when performing a cash withdrawal transaction. 2105 is a button for a foreign agent when performing a cash deposit transaction. A push button 2106 is a button that a foreign agent presses when conducting a cash transfer transaction. Further, 2107 is a button that a foreign agent presses when performing a time deposit transaction, 2108 is a button that a foreign agent presses when performing a deposit transaction, and 2109 is a button that a foreign agent presses when making a transaction reservation. 2110 displays information related to customer-specific deposit / lending transactions, and 2111 displays information related to customer-deposited items. Information on the negotiation history for each customer is displayed in 2112, and information on the visit schedule for each customer is displayed in 2113. Also, 2114 displays information related to recommended products for each customer, and 2115 displays information related to the budget achievement status for each foreign employee. In the case of the example shown in FIG. 21, external support support information related to A Industry Co., Ltd. is displayed from 2110 to 2114.

(2) When the cash deposit button 2105 is pressed from the customer-specific transaction screen shown in FIG. 21 displayed on the external mobile terminal 102, the information is transmitted to the external mobile server 106. The external mobile server 106 The cash payment transaction content input screen shown is created, and the screen is transmitted for presentation to the external mobile terminal 102 (steps 603 and 604).

(3) The cash payment transaction content input screen shown in FIG. 19 created and presented in step 604 is displayed on the external mobile terminal 102, and a customer who has not made a transaction reservation displays the cash payment transaction content input screen shown in FIG. Enter the details of the deposit transaction. Thereafter, the same processing as that after step 508 in the flow shown in FIG. 5 is performed (steps 605 and 606).

  7A and 7B are flowcharts for explaining the processing operation of the cash withdrawal program 112, which will be described next. This processing is performed in a situation where a foreign agent visits a customer and a foreign agent and the customer negotiate in person.

(1) First, the foreign attendant inputs the customer ID and password from the foreign mobile terminal 102, and transmits the ID and password to the public mobile server 106 for personal authentication (step 701).

(2) The public relations mobile server 106 authenticates the user based on the customer ID and password transmitted in step 501. In the example shown in FIG. 7A, authentication by ID and password is performed as an example of the authentication unit, but authentication by another authentication unit such as an IC card or biometric authentication may be performed. Here, it is assumed that B Trading Co., Ltd. logs in (step 702).

(3) The public relations mobile server 106 searches the transaction reservation DB 122 and determines whether or not the customer has received a transaction reservation. Note that the withdrawal transaction is also reserved from the transaction reservation input screen shown in FIG. 23 displayed on the customer terminal 101 by the customer. If it is determined in this determination that the customer has not received a transaction reservation, the process proceeds to a flow process described later with reference to FIG. 8 (step 703).

(4) If the result of determination in step 703 is that there is a withdrawal reservation registration, the external mobile server 106 fetches the withdrawal transaction reservation data of the customer from the transaction reservation DB 122 shown in FIG. 27 (step 704).

(5) Next, the external mobile server 106 creates a cash withdrawal transaction content input screen and transmits it to the external mobile terminal 102 for presentation. This cash withdrawal transaction content input screen is received and displayed by the foreign exchange mobile terminal 102 (steps 705 and 706).

  The cash withdrawal transaction content input screen may be a screen having the same function as the cash deposit transaction content input screen shown in FIG. In the case of the described example, transaction reservation information of 1,000,000 yen cash withdrawal of B Trading Co., Ltd. stored in the transaction reservation DB 122 is initially displayed.

(6) Next, using the cash withdrawal transaction content input screen displayed in step 706, the customer selects and inputs the initial display content when there is a transaction reservation or when there is no transaction reservation. After confirming the contents, transmission for requesting the external mobile server 106 for the subsequent processing is performed (step 707).

(7) The external mobile server 106 accepts the request in step 707 and registers the cash withdrawal transaction data in the external account DB 125 shown in FIG. 30 (step 708).

(8) Next, the external mobile server 106 reads the cash withdrawal transaction data stored in the external account DB 125, creates a cash receipt confirmation screen, and transmits it to the external mobile terminal 102. This cash receipt confirmation screen is received and displayed by the foreign exchange mobile terminal 102 (steps 709 and 710).

(9) Using the cash receipt confirmation screen displayed on the foreign exchange mobile terminal 102, the cash receipt confirmation information by the customer is transmitted to the foreign exchange mobile server 106, and the foreign exchange mobile server 106 receives the cash receipt confirmation information and receives the withdrawal cash receipt. Confirmation information is registered in the external account DB 125 shown in FIG. 30 (steps 710 and 711).

  The withdrawal cash receipt confirmation screen may have the same function as the example of the cash receipt confirmation screen shown in FIG. 20, and in the case of the explained example, the cash withdrawal of B Trading Co., Ltd. Transaction information of 1,000,000 yen is displayed.

(10) Next, in order to authenticate the transaction, the external mobile server 106 creates a transaction password (PW) input screen such as a random number and transmits it to be displayed on the external mobile terminal 102. This transaction password input screen such as a random number is received and displayed by the foreign exchange mobile terminal 102 (steps 712 and 713).

(11) When the customer inputs a password on the transaction password input screen displayed on the external mobile terminal 102 and transmits it to the external mobile server 106, the external mobile server 106 authenticates the transaction (steps 714 and 715). ).

(12) Next, the external mobile server 106 registers the transaction confirmation information in the external account DB 125 shown in FIG. 30, and stores “complete” in the transaction authentication 3015 of the external account DB 125 (step 716).

(13) Thereafter, the withdrawal transaction data stored in the external account DB 125 is transmitted to the accounting system via the accounting system linkage server 118, and the accounting system 119 performs a withdrawal book process (steps 717 and 718). .

(14) Next, after the withdrawal / bookkeeping process is completed in the accounting system 119, the accounting system linkage server 118 reads the withdrawal / bookkeeping process completion and transmits the withdrawal / bookkeeping process completion data to the external mobile server 106 (step) 719).

(15) Upon receiving the withdrawal bookkeeping process completion data, the foreign exchange mobile server 106 registers “completed” information of the withdrawal bookkeeping process by the account system 119 in the account processing 3016 of the foreign exchange account DB 125, and the cash on hand shown in FIG. Withdrawal amount information processed by the account system 119 is registered in the management DB 126 (step 720).

  Here, 1,000,000 yen is stored in the withdrawal 3103 in the table of the on-hand cash management DB 126 shown in FIG. In addition, since cash has been withdrawn, the cash balance 3104 is stored with a cash amount of 2,300,000 yen at 3,300,000 yen to 1,000,000 yen.

(16) Next, the external mobile server 106 transmits a notice of completion of the withdrawal bookkeeping process in the account system 119 to the customer terminal 101 and the external mobile terminal 102 by e-mail (steps 721 to 723).

  FIG. 8 is a flowchart for explaining the operation of the process in the case where there is no reservation registration in the determination of the presence / absence of reservation registration in step 703, which will be described next.

(1) If it is determined in step 703 that there is no reservation registration, the external mobile server 106 creates a customer-specific transaction screen shown in FIG. 21 and presents it to the external mobile terminal 102. To send for. This customer-specific transaction screen is displayed on the foreign exchange mobile terminal 102 (steps 801 and 802).

(2) When the cash withdrawal button 2104 is pressed from the customer-specific transaction screen shown in FIG. 21 displayed on the external mobile terminal 102, the information is transmitted to the external mobile server 106. The external mobile server 106 A cash withdrawal transaction content input screen having the same function as the cash deposit transaction content input screen shown in FIG. 6 is created and transmitted to present the screen to the external mobile terminal 102 (steps 803 and 804).

(3) The cash withdrawal transaction content input screen having the same function as the cash deposit transaction content input screen shown in FIG. 19 created and presented in step 804 is displayed on the external mobile terminal 102 and no transaction reservation is made. The customer inputs the details of the withdrawal transaction from the cash withdrawal transaction content input screen having the same function as the cash withdrawal transaction content input screen shown in FIG. Thereafter, the same processing as step 708 and subsequent steps in the flow shown in FIG. 7A is performed (steps 805 and 806).

  9A to 9C are flowcharts for explaining the processing operation of the periodic maturity processing program 113, which will be described next. This processing is performed in a situation where a foreign agent visits a customer and a foreign agent and the customer negotiate in person.

(1) First, the foreign agent inputs the customer ID and password from the external mobile terminal 102 and transmits the ID and password to the external mobile server 106 for personal authentication (step 901).

(2) The public relations mobile server 106 authenticates the user based on the customer ID and password transmitted in step 901. In the example shown in FIG. 9A, authentication using an ID and a password is performed as an example of an authentication unit. However, authentication using another authentication unit such as an IC card or biometric authentication may be used. Here, it is assumed that A Industry Co., Ltd. logs in (step 902).

(3) The external mobile server 106 creates a customer-specific transaction screen shown in FIG. 21 and transmits it for presentation to the external mobile terminal 102. This customer-specific transaction screen is displayed on the foreign exchange mobile terminal 102 (steps 903 and 904).

(4) From the customer-specific transaction screen shown in FIG. 21 displayed on the external mobile terminal 102, when the external employee presses the periodic transaction button 2107, the information is transmitted to the external mobile server 106, and the external mobile server 106 A time transaction selection screen is created and transmitted to present the screen to the external mobile terminal 102 (steps 905 and 906).

(5) Since the maturity transaction selection screen sent from the foreign exchange mobile server 106 is displayed on the foreign exchange mobile terminal 102, the desired transaction at maturity is selected on the screen and transmitted to the foreign exchange mobile server 106. (Steps 907 and 908).

  FIG. 22 is a diagram showing a screen example of the maturity transaction selection screen. Here, the configuration and operation of the maturity transaction selection screen will be described. In the screen example shown in FIG. 22, 2201 indicates the log-in date for the external mobile server 106, 2202 indicates the customer name, and 2203 indicates the name of the external employee. In 2204, the details of a time deposit whose maturity date is approaching in a few days will be displayed. The term deposit details information is displayed by reading term deposit details data stored in the term deposit details management DB 127.

  FIG. 32 is a diagram showing a data configuration example of the time deposit details management DB 127. Here, a data structure example of the time deposit details management DB 127 will be described. The data of the time deposit details management DB is composed of items 3201 to 3210 shown in FIG. In the data structure of the time deposit details management DB 127 shown in FIG. 32, 3201 stores customer name information, and 3202 stores employee name information in charge of the customer. 3203 stores the product name information of the time deposit, and 3204 stores the account number information of the time deposit. 3205 stores deposit amount information of time deposits, and 3206 stores period information of time deposits. 3207 stores the deposit date information of the time deposit, and 3208 stores maturity date information of the term deposit. 3209 stores interest rate information, and 3210 stores interest amount information. In the case of the example shown in FIG. 32, time deposit details information of a deposit amount of 2,000,000 yen deposited by A Industry Co., Ltd. is displayed. Returning to the reference of FIG. 22, in 2205, a transaction at the time of maturity is selected and input from the pull-down. Transactions at maturity include principal and interest continuation, principal continuation / interest cash or transfer, full cancellation / interest cash or transfer or other transactions, partial cancellation or other transactions / remaining cash or other transactions, and the like. Reference numeral 2206 denotes a confirmation button to be pressed after selecting a transaction at maturity in 2205.

(6) The foreign mobile server 106 determines whether or not the transaction at the maturity selected at the foreign mobile terminal 102 in step 908 is to continue the full amount of principal and interest. The process proceeds to (Step 909).

(7) If it is determined in step 909 that the transaction at maturity is a continuation of the principal and interest, the external mobile server 106 creates a principal and interest continuation screen and transmits it to the external mobile terminal 102 for presentation ( Step 910).

(8) The external mobile terminal 102 receives and displays the principal and interest continuation screen created and presented in step 910, enters the period of the new time deposit to be contracted, etc. from this screen, and externalizes the entered data. The data is transmitted to the mobile server 106 for a transaction request. Thereafter, the process proceeds to the process from step 920 described later (steps 911 and 912).

(9) If the transaction at maturity is not a continuation of the principal and interest in the continuation of principal and interest in step 909, the foreign mobile server 106 determines whether or not the transaction at maturity selected in step 908 is a continuation of principal. If the principal is not continued, the process proceeds to step 917 described later (step 913).

(10) If it is determined in step 913 that the transaction at maturity is a continuation of principal, the foreign affairs mobile server 106 creates a principal continuation screen and transmits it to the foreign affairs mobile terminal 102 for presentation ( Step 914).

(11) The public relations mobile terminal 102 receives and displays the principal continuation screen created and presented in step 914. From this screen, the term deposit period to be newly contracted and the interest receiving method (for example, account transfer) And the like, and the entered data is transmitted to the external mobile server 106 for a transaction request. Thereafter, the process proceeds from step 920 to be described later (steps 915 and 916).

(12) If it is determined in step 913 that the transaction at the maturity selected in step 908 is not a continuation of principal, the external mobile server 106 creates a cancellation screen and presents it to the external mobile terminal 102. For transmission (step 917).

(13) The public relations mobile terminal 102 receives and displays the cancellation screen created and presented in step 917, and from this screen, the method of handling the maturity (for example, the total amount of cancellation money in cash, account transfer, investment trust) Etc.) and the inputted data is transmitted to the external mobile server 106 for a transaction request. Thereafter, the processing shifts to step 920 described later (steps 918 and 919).

(14) Upon receiving the transaction content information at the time of maturity due to the transaction request from the foreign mobile terminal 102 in the processing at steps 912, 916, 919, the foreign mobile server 106 stores the maturity transaction content information in the maturity transaction DB 128. Register (step 920).

  FIG. 33 is a diagram showing a data configuration example of the maturity transaction DB 128. Here, a data configuration example of the maturity transaction DB 128 will be described. The data of the maturity transaction DB is composed of items 3301 to 3311 shown in FIG. In the data structure of the maturity transaction DB 128 shown in FIG. 33, customer name information is stored in 3301, and employee name information in charge is stored in 3302. 3303 stores time deposit product name information that is subject to maturity procedures, and 3304 stores account number information of time deposits that are subject to maturity procedures. In 3305, transaction content information at the time of maturity is stored, and in 3306, deposit amount information of a new time deposit scheduled to be contracted is stored. In 3307, deposit date information of a new scheduled deposit is stored, and in 3308, maturity date information of a new scheduled deposit is stored. In 3309, interest rate information of a new time deposit scheduled to be contracted is stored. In 3310, “confirmation” information is stored when a foreign agent confirms the transaction content of the maturity date (processing in step 822 described later). In 3311, status information of the process is stored, and after completion of the bookkeeping process in the accounting system 119, “completed” information is stored. In the case of the example shown in FIG. 33, it is assumed that A Industry Co., Ltd. contracts for a fixed deposit with a continuation of principal and interest of 12 months for the fixed deposit.

(15) Next, the foreign exchange mobile server 106 reads the transaction content data at maturity from the maturity transaction DB 128, creates a maturity transaction confirmation screen, and transmits it to the foreign exchange mobile terminal 102 for presentation (step 921). ).

(16) The external mobile terminal 102 receives and displays the maturity transaction confirmation screen created and presented in step 921, confirms the transaction details displayed by the external agent, and if there is no problem, presses the confirmation button to confirm. Is set as the external mobile server 106 (step 922).

(17) Upon receipt of the confirmation data from the external mobile terminal 102, the foreign exchange mobile server 106 registers the confirmed data in the maturity transaction DB 128 shown in FIG. 33, and the selected maturity transaction allows cash such as a cancellation fee. The presence / absence of withdrawal is determined. If there is no withdrawal, the process proceeds to step 928 described later (steps 923 and 924).

(18) If it is determined in step 924 that cash withdrawal is necessary, the external mobile server 106 creates a transaction reservation input screen shown in FIG. 23 and transmits it to the external mobile terminal 102 for presentation ( Step 925).

(19) The public relations mobile terminal 102 receives and displays the transaction reservation input screen shown in FIG. 23 created and presented in step 925. On this transaction reservation input screen, data stored in the maturity transaction DB 128 such as a cancellation amount is initially displayed. After confirming the display and input contents, the reservation button 2310 on the screen is pressed, whereby the transaction reservation data is transmitted to the public relations mobile server 106 (step 926).

(20) The external mobile server 106 stores the transaction reservation data received from the external mobile terminal 102 in the transaction reservation DB 122 (step 927).

(21) After the processing of step 927 or when the cash withdrawal is required in the determination at step 924, the account system linkage server 118 uses the transaction data stored in the maturity transaction DB 128 shown in FIG. The data is transmitted to the account system 119 on the maturity date, and the account system 119 performs a bookkeeping process at the time of maturity (steps 928 and 929).

(22) After completing the bookkeeping process in the billing system 119, the billing system cooperation server 118 reads the completion of the bookkeeping process and transmits the bookkeeping process completion data to the external mobile server 106 (step 930).

(23) The public relations mobile server 106 transmits a notice of completion of the deposit book process in the account system 119 to the customer terminal 101 and the external mobile terminal 102 by e-mail (steps 931 to 933).

  FIG. 10 is a flowchart for explaining the processing operation of the cash transfer program 114, which will be described next. This processing is performed in a situation where a foreign agent visits a customer and a foreign agent and the customer negotiate in person.

(1) First, the foreign agent inputs the customer ID and password from the external mobile terminal 102, and transmits the ID and password to the external mobile server 106 for personal authentication (step 1001).

(2) The public relations mobile server 106 authenticates the user based on the customer ID and password transmitted in step 1001. In the example shown in FIG. 10, authentication by ID and password is performed as an example of the authentication unit. However, authentication by another authentication unit such as an IC card or biometric authentication may be used. In this example, it is assumed that C Corporation is logged in (step 1002).

(3) Next, the public relations mobile server 106 searches the transaction reservation DB 122 shown in FIG. 27 to determine whether or not the customer has received a transaction reservation. The process proceeds to a flow process described later with reference to FIG. 11 (step 1003).

(4) If there is a cash transfer reservation registration in the determination at step 1003, the foreign mobile server 106 captures the customer's cash transfer transaction reservation data from the transaction reservation DB 122 and creates a cash transfer transaction content input screen. , To the public relations mobile terminal 102 for transmission (steps 1004, 1005).

(5) The public relations mobile terminal 102 receives and displays the cash transfer transaction content input screen created in step 1005. The customer confirms the initial display content when there is a transaction reservation or the selection and input content when there is no transaction reservation from the cash transfer transaction content input screen displayed on the external mobile terminal 102, and inputs the input content to the external mobile server 106. To request subsequent processing (steps 1006 and 1007).

(6) The foreign exchange mobile server 106 receives information on the details of the cash transfer transaction from the external mobile terminal 102, registers the cash transfer transaction data in the external account DB 125 shown in FIG. 30, and stores the cash transfer transaction data in the external account DB 125. The cash transfer transaction data is read, a cash receipt confirmation screen is created, and transmitted to the external mobile terminal 102 for presentation (steps 1008 and 1009).

(7) The public relations mobile terminal 102 receives and displays the cash receipt confirmation screen created in step 1009. After receiving cash from the customer, the public relations employee confirms the display contents of the cash receipt confirmation screen and presses a confirmation button to transmit confirmation information to the foreign mobile server 106 (step 1010).

(8) Upon receiving the confirmation information from the external mobile terminal 102, the external mobile server 106 registers the transfer cash receipt confirmation information in the external account DB 125. The cash transfer transaction data stored in the external account DB 125 is transmitted to the account system 119 via the account system linkage server 118 (step 1012), and the transfer system is performed by the account system 119 (steps 1011 to 1013). ).

(9) After completion of the transfer book process in the account system 119, the account system linkage server 118 reads the completion of the transfer book process and transmits the withdrawal book process completion data to the external mobile server 106 (step 1014).

(10) Receiving the transfer book process completion data in the account system 119, the foreign exchange mobile server 106 registers the completion information of the transfer book process by the account system 119 in the external account DB 125, and the cash management shown in FIG. The transfer cash amount information that has been transferred and booked by the account system 119 is registered in the DB 126 (step 1015).

  In the example described, cash 900,000 yen deposited for transfer from C Corporation is stored in the deposit 3102 of the on-hand cash management DB 126 shown in FIG.

(11) Thereafter, the external mobile server 106 transmits a notice of completion of the transfer bookkeeping process in the account system 119 to the customer terminal 101 and the external mobile terminal 102 by e-mail (steps 1016 to 1018).

  FIG. 11 is a flowchart for explaining the operation of the process in the case where there is no reservation registration in the determination of the presence / absence of reservation registration in step 1003 described above. Next, this will be described.

(1) If it is determined in step 1003 that there is no reservation registration, the external mobile server 106 creates a customer-specific transaction screen shown in FIG. 21 and presents it to the external mobile terminal 102. To send for. This customer-specific transaction screen is displayed on the foreign exchange mobile terminal 102 (steps 1101 and 1102).

(2) When the cash transfer button 2106 is pressed from the customer-specific transaction screen shown in FIG. 21 displayed on the external mobile terminal 102, the information is transmitted to the external mobile server 106. The external mobile server 106 A cash transfer transaction content input screen having the same function as the cash payment transaction content input screen shown is created, and the screen is transmitted for presentation to the external mobile terminal 102 (steps 1103 and 1104).

(3) A customer who has made and presented a cash transfer transaction content entry screen having the same function as the cash deposit transaction content entry screen shown in FIG. However, the said transfer transaction content is input from the cash transfer transaction content input screen which has the same function as the cash payment transaction content input screen shown in FIG. Thereafter, the same processing as step 1008 and subsequent steps in the flow shown in FIG. 10 is performed (steps 1105 and 1106).

  FIG. 12 is a flowchart for explaining the processing operation of the deposit management program 115, which will be described next. This processing is performed in a situation where a foreign agent visits a customer and a foreign agent and the customer negotiate in person.

(1) First, the foreign agent inputs the customer ID and password from the external mobile terminal 102, and transmits the ID and password to the external mobile server 106 for personal authentication (step 1201).

(2) The public relations mobile server 106 authenticates the user based on the customer ID and password transmitted in step 901. In the example shown in FIG. 12, authentication by ID and password is performed as an example of the authentication unit, but authentication by another authentication unit such as an IC card or biometric authentication may be used. Here, it is assumed that A Industry Co., Ltd. logs in (step 1202).

(3) The external mobile server 106 creates a customer-specific transaction screen shown in FIG. 21 and transmits it for presentation to the external mobile terminal 102. This customer-specific transaction screen is displayed on the foreign exchange mobile terminal 102 (steps 1203 and 1204).

(4) From the customer-specific transaction screen shown in FIG. 21 displayed on the foreign-affiliated mobile terminal 102, a foreign employee presses the deposit transaction button 2108, and either of the transactions is displayed on the screen displayed next to select deposit or return of deposit. Is selected, the information is transmitted to the external mobile server 106 (step 1205).

(5) The public relations mobile server 106 determines whether the desired transaction data transmitted in step 1205 is a deposit or a return of deposit. If the deposit transaction is returned, the process proceeds to step 1213 described later (step 1206). ).

(6) If it is determined in step 1206 that the desired transaction is a deposit, the external mobile server 106 creates a deposit registration screen and transmits it to the external mobile terminal 102 for presentation (step 1207).

(7) The external mobile terminal 102 receives and displays the deposit registration screen created and presented in step 1207, and transmits the transaction data of the transaction input from this screen to the external mobile server 106 (step 1208). ).

  FIG. 24 is a diagram showing an example of a deposit registration screen created and presented in the above-described step 1207. Here, the configuration and operation of the deposit registration screen will be described. In the example of the deposit registration screen shown in FIG. 24, 2401 indicates the login date to the external mobile server 106, 2402 indicates the customer name, and 2403 indicates the name of the external agent. In 2404, a name of a deposit from a generally considered customer is initially displayed. Also, 2404 may be provided with a line in which the name of the deposit can be entered in consideration of business flexibility. In 2405, the reason for depositing the deposit is selected and input. In 2406, the number of the deposit is entered. In 2407, when the deposit initially displayed in 2404 is deposited, a check is input. Reference numeral 2408 denotes a confirmation button that is pressed for registration after confirming the input content.

(8) If it is determined in step 1206 that the desired transaction is a deposit return, the foreign mobile server 106 creates a customer-specific deposit list screen and transmits it to the external mobile terminal 102 for presentation (step) 1213).

(9) The external mobile terminal 102 receives and displays the customer-deposited item list screen from the external mobile server 106 created and presented in step 1213. When the customer checks the items to be returned on the list screen and presses the return confirmation button on the screen, the transaction data is transmitted to the external mobile server 106 (step 1214).

(10) The external mobile server 106 registers the transaction data transmitted from the external mobile terminal 102 in steps 1208 and 1214 in the deposit management DB 129 shown in FIG. 34 (step 1209).

  FIG. 34 is a diagram showing a data configuration example of the deposit management DB 129. Here, a data configuration example of the deposit management DB 129 will be described. The data in the deposit management DB is composed of items 3401 to 3408 shown in FIG. In the data structure of the deposit management DB 129 shown in FIG. 34, 3401 stores the customer name information, and 3402 stores the deposit date information of the deposit. 3403 stores the deposit name information, and 3404 stores information on the reason for depositing the deposit. 3405 stores the scheduled return date of the deposit, and 3406 stores deposit confirmation information registered by the foreign agent. 3407 stores return date information of the deposit, and 3408 stores return confirmation information registered by the customer.

(11) After the processing in step 1209, the external mobile server 106 transmits a notification of registration processing completion to the deposit management DB 129 to the customer terminal 101 and the external mobile terminal 102 by e-mail (steps 1210 to 1212).

  FIG. 13 is a flowchart for explaining the processing operation of the external account charging program 116, which will be described next. This process is a process that is carried out when the cash on hand is insufficient because the foreign agent “Taro Yamada” has withdrawn cash more than expected at a certain visit.

(1) First, the foreign attendant inputs the ID and password of the foreign investigator from the external mobile terminal 102, and transmits the ID and password to the external mobile server 106 for personal authentication (step 1301).

(2) The external mobile server 106 authenticates the person with the ID and password of the external agent transmitted in step 1301. In the example shown in FIG. 13, authentication using ID and password is performed as an example of the authentication unit, but authentication by other authentication unit such as an IC card or biometric authentication may be performed (step 1302).

(3) Next, the external mobile server 106 creates the external top screen shown in FIG. 16 and transmits it for presentation to the external mobile terminal 102. This foreign exchange top screen is displayed on the foreign exchange mobile terminal 102 (steps 1303 and 1304).

(4) Next, the foreign agent presses the charge application button 1604 from the external top screen shown in FIG. 16 displayed on the external mobile terminal 102 and transmits the charge application request to the external mobile server 106 (step 1305). ).

(5) Upon receiving the charge application request in step 1305 from the foreign sales representative, the external mobile server 106 creates a foreign account charge application screen and transmits it for presentation to the external mobile terminal 102. This external account charge application screen is received and displayed at the external mobile terminal 102 (steps 1306 and 1307).

  FIG. 26 is a diagram showing a screen example of the external account charge application screen. Here, the configuration and operation of the external account charge application screen will be described. In the example of the external account charge application screen shown in FIG. 26, 2601 displays the date when the external agent logged into the external mobile server 106, and 2602 displays the name of the external agent who logged into the external mobile server 106. . In 2603, the charge application amount is input, and in 2604, the reason for the charge is input. Reference numeral 2605 denotes an application button that is pressed when the foreign affairs officer confirms the input content and then makes an application to obtain approval of the input content from the public officer.

(6) In the processing of step 1307, the foreign agent inputs the charge application amount and the reason for the charge from the external account charge application screen shown in FIG. 26 displayed on the external mobile terminal 102, and presses the application button 2605 to approve. When the request is made, the input data is stored in the money appearance management DB 124 shown in FIG. 29, and an approval request is transmitted to the officer's terminal 103 (step 1308).

(7) Next, the public relations officer confirms the amount application information on the day of application applied by each person in charge displayed on the officer's terminal 103 and performs an approval act. The approval input data is registered in the money appearance management DB 124, and the processing shifts to the external mobile server 106 (step 1309).

  As a result of the processing in step 1309, 500,000 yen is stored in the temporary payment application amount total 2908 of the table of the money appearance management DB shown in FIG. 29, and “approval” is stored in the approval category 2909. Also, in the temporary payment process 2910, after completion of the bookkeeping process by the account system 119, “completed” is stored as the status.

(8) The public relations mobile server 106 creates temporary payment withdrawal data and transmits the temporary payment withdrawal data to the accounting system 119 via the accounting system linkage server 118 (steps 1310 and 1311).

(9) The accounting system 119 performs a bookkeeping process for the temporary payment withdrawal transaction transmitted from the foreign mobile server 106 in step 1311 and updates the temporary payment account DB 130 of the accounting system 119 (step 1312).

(10) After completion of the bookkeeping process in the account system 119 in step 1312, the account cooperation server 118 reads the process completion and transmits the process completion data to the external mobile server 106 (step 1313).

(11) Upon receiving the bookkeeping process completion data by the billing system 119 in step 1313, the public relations mobile server 106 registers the completion information of the billing bookkeeping process in the money management DB 124 shown in FIG. The temporary payment amount information approved is registered in the on-hand cash management DB 126 shown. As a result, 500,000 yen, which is the applied charge amount, is stored in the table of the on-hand cash management DB 126 (step 1314).

(12) Next, the external mobile server 106 transmits a notice of completion of the temporary payment withdrawal process in the accounting system 119 to the customer terminal 101 and the external mobile terminal 102 by e-mail (steps 1315 to 1317).

  FIG. 14 is a flowchart for explaining the processing operation of the transaction review program 117, which will be described next.

(1) First, the foreign agent inputs the ID and password of the foreign agent from the external mobile terminal 102, and transmits the ID and password to the external mobile server 106 for personal authentication (step 1401).

(2) The external mobile server 106 authenticates the person with the ID and password of the external agent transmitted in step 1401. In the example illustrated in FIG. 14, authentication using an ID and password is performed as an example of an authentication unit. However, authentication using another authentication unit such as an IC card or biometric authentication may be used. Here, it is assumed that the public relations officer “Taro Yamada” logs in (step 1402).

(3) Next, the external mobile server 106 creates the external top screen shown in FIG. 16 and transmits it for presentation to the external mobile terminal 102. This foreign exchange top screen is displayed on the foreign exchange mobile terminal 102 (steps 1403 and 1404).

(4) Next, the diplomat presses the transaction review button 1605 from the diplomatic top screen shown in FIG. 16 displayed on the foreign affairs mobile terminal 102, and then displays the cash balance input screen displayed next. When the final on-hand cash balance calculated by the machine 104 or calculated by the foreign agent is manually entered, a transaction review request is transmitted to the external mobile server 106 (step 1405).

  The amount calculated by the teller machine 104 or calculated and input by the foreign agent by himself / herself is stored in the on-hand cash management DB 126 shown in FIG. In the example described, 200,000 yen is stored in the cash balance 3104 with the customer name 3101 “scrutinize”.

(5) Upon receiving a transaction scrutiny request, the external mobile server 106 reads data such as a cash balance stored in the on-hand cash management DB 126 and conducts a transaction scrutiny for each employee. The details of the transaction review process will be described later with reference to the flow shown in FIG. 15 (step 1406).

(6) As a result of the processing in step 1406, it is determined whether the amount matches and the scrutiny is OK. If the amount is different, it is determined as NG. If the scrutiny is OK, the foreign affairs mobile server 106 takes in data such as the balance of cash on hand stored in the handheld cash management DB 126 shown in FIG. 102 for transmission (steps 1407 and 1408).

(7) The foreign exchange mobile terminal 102 displays the transaction review screen for each employee that has been created and transmitted in the process of step 1408. The foreign employee confirms the contents of the display, and then requests approval (step 1409, 1410).

  FIG. 25 is a diagram illustrating a screen example of the transaction review screen for each employee created in the processing of step 1408. Here, the configuration and operation of the transaction review screen for each employee will be described. In the example of the transaction review screen for each employee shown in FIG. 25, the login date of the external mobile server 106 is displayed in 2501, and the name of the external employee who has logged in to the external mobile server 106 is displayed in 2502. In 2503, today's transaction details of the foreign agent are displayed. In addition, 2504 displays the amount of the appearance money that the foreign affairs agent made today for temporary payment when going out. In 2505, the amount of charge when the foreign employee charges the external account when the cash on hand is insufficient is displayed. In 2506, the final cash on hand of the foreign agent is displayed. In 2507, it is displayed that the examination in step 1406 has been completed. Reference numeral 2508 denotes an application button that the foreign agent presses upon application after confirming the display content.

(8) When the application button 2508 on the transaction review screen for each employee described above is pressed by confirming the display contents by the foreign employee in step 1410, the displayed transaction review results for each employee are displayed. Is sent to and displayed on the foreign exchange officer's seat terminal 103 as an approval request, and the foreign officer's officer performs an approval action (step 1411).

  The approval screen displayed on the officer's seat terminal 103 in step 1411 may have a screen configuration and functions almost the same as the on-the-day withdrawal amount application approval screen described with reference to FIG.

(9) After the external officer in the process of step 1411 approves, the external mobile server 106 creates temporary payment data. The created deposit data for the temporary payment is transmitted to the billing system 119 via the billing system linkage server 118, and the billing system 119 performs a provisional payment deposit process (steps 1412 to 1414).

(10) When the account bookkeeping process in step 1414 is completed, the account linkage server 118 reads the process completion and transmits the process completion data to the external mobile server 106. A notification of completion of the bookkeeping process in the system system 119 is transmitted to the external mobile terminal 102 and the office terminal 103 (steps 1415 to 1418).

  FIG. 15 is a flowchart for explaining the details of the processing operation of the transaction scrutiny for each employee in the above-described step 1406, which will be described next. This process is performed by the process of calculating the cash on hand for the employee in charge at step 1501 and the process for calculating the cash on hand in step 1502. First, the process of calculating the cash on hand for the employee in charge at step 1501 will be described.

  The deposit / withdrawal transaction amount is adjusted from the initial withdrawal amount of the employee in charge from the data of the on-hand cash balance 3104 stored in the on-hand cash management DB 126 shown in FIG. Stores the calculated result. In the case of the public relations employee “Taro Yamada”, first, at the time of taking out, 2,600,000 yen, which is the same value as the amount taken out, is stored in the public relations account 3105. Next, the total 3106 stores 5,200,000 yen, which is the sum of the cash balance 3104 and the external account 3105.

  The following A Industry Co., Ltd. has made a deposit transaction of 700,000 yen, and based on the idea that transfer was made from the external account DB 125 of the external mobile server 106 to the customer account 131 of the account system 119 at the time of payment, The external account 3105 stores 1,900,000 yen obtained by subtracting 700,000 yen of the deposit amount from 2,600,000 yen. The total 3106 stores 5,200,000 yen, which is a sum of 3,300,000 yen stored in the cash balance 3104 and 1,900,000 stored in the external account 3105.

  The next B Trading Co., Ltd. has made a withdrawal transaction of 1,000,000 yen, and at the time of withdrawal, it was transferred from the customer account 131 of the account system 119 to the external account DB 125 of the external mobile server 106. Based on the concept, the external account 3105 stores 2,900,000 yen obtained by adding 1,000,000 yen of the withdrawal amount to 1,900,000 yen. The total of 3106 3106 stores 5,200,000 yen, which is a sum of 2,300,000 yen stored in the cash balance 3104 and 2,900,000 stored in the external account 3105.

  In addition, at the time of charging, in the example described, 500,000 yen was additionally charged, so the amount stored in the external account 3105 at the time of charging is the amount of the external account 3105 of the previous transaction 5,000. 5,500,000 yen obtained by adding 500,000 yen for the charge to 1,000,000 yen is stored. The total 3106 stores 6,200,000 yen including the cash balance 3104 of 700,000 yen and the external account 3105 of 5,500,000 yen. The same calculation is performed below.

  The on-hand cash calculation process in step 1502 is a process for performing a reconciliation of whether or not the amount of money stored at the time of scrutiny stored in the total 3106 is constant. In the case of the example described, since the total amount of 3106 at the time of scrutiny is 6,200,000 yen and the transaction total after charging is the same at 6,200,000 yen, it is determined in the next step 1407 It becomes scrutinization OK.

  The transaction scrutiny process described with reference to FIG. 14 and FIG. 15 is generally performed after the diplomat returns, but the diplomat accesses the system at any time during the visit to the customer. It is possible to do this, or during the visit to the customer by an instruction from a foreign officer.

  Each process in the embodiment of the present invention described above is configured as various processing programs in the external mobile server 106 and is executed by the external mobile server 106. These processing programs are HD, DAT, and FD. , MO, DVD-ROM, CD-ROM and the like can be stored and provided.

It is a block diagram which shows the structure of the system which implements the external mobile banking method by one Embodiment of this invention. It is a flowchart explaining the outline | summary of basic processing procedures, such as cash deposit / withdrawal, which a foreign exchange mobile server performs. It is a flowchart explaining the processing operation of a carrying-out amount calculation program. It is a flowchart explaining the processing operation of a temporary payment withdrawal program. It is a flowchart explaining the processing operation of a cash deposit program. It is a flowchart explaining the processing operation | movement of a cash payment program when there is no reservation registration in determination in step 503 of FIG. It is a flowchart (the 1) explaining the processing operation | movement of a cash withdrawal program. It is a flowchart (the 2) explaining the processing operation of a cash withdrawal program. It is a flowchart explaining the processing operation | movement of the cash withdrawal program in case there is no reservation registration in determination in step 703 of FIG. 7A. It is a flowchart (the 1) explaining the processing operation of a periodic maturity processing program. It is a flowchart (the 2) explaining the processing operation of a periodic maturity processing program. It is a flowchart (the 3) explaining the processing operation of a periodic maturity processing program. It is a flowchart explaining the processing operation of a cash transfer program. FIG. 11 is a flowchart for explaining the processing operation of the cash transfer program when there is no reservation registration in the determination of reservation registration presence / absence in step 1003 of FIG. 10. It is a flowchart explaining the processing operation of a deposit management program. It is a flowchart explaining the processing operation of a liaison account charge program. It is a flowchart explaining the processing operation of a transaction scrutiny program. It is a flowchart explaining the detail of the processing operation | movement of the transaction scrutiny by employee in step 1406 of FIG. It is a figure which shows the example of a screen of a public relations top screen. It is a figure which shows the example of a screen of that day's taking out amount application screen. It is a figure which shows the example of the amount application approval screen of the same day which is displayed on a board terminal and which a public relations officer operates. It is a figure which shows the example of a screen of a cash payment transaction content input screen. It is a figure which shows the example of a cash receipt confirmation screen displayed on a public relations mobile terminal. It is a figure which shows the example of a screen of the transaction screen classified by customer. It is a figure which shows the example of a screen of the maturity transaction selection screen. It is a figure which shows the example of a transaction reservation input screen displayed on a customer terminal. It is a figure which shows the example of a deposit registration screen created and presented by the process of step 1207 in FIG. It is a figure which shows the example of a screen of the transaction inspection screen classified by employee produced by the process of step 1408 of FIG. It is a figure which shows the example of a screen of a public relations account charge application screen. It is a figure which shows the data structural example of transaction reservation DB. It is a figure which shows the example of a data structure of external account transaction performance DB. It is a figure which shows the data structural example of holding money management DB. It is a figure which shows the example of a data structure of external account DB. It is a figure which shows the data structural example of hand-held cash management DB. It is a figure which shows the data structural example of time deposit details management DB. It is a figure which shows the example of a data structure of transaction DB at maturity. It is a figure which shows the data structural example of deposit management DB.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 Customer terminal 102 Foreign exchange mobile terminal 103 Office terminal 104 Cash machine 105 Web server 106 Foreign exchange mobile server 107,120 Network 108 Reservation registration program 109 Carry-out amount calculation program 110 Temporary payment withdrawal program 111 Cash deposit program 112 Cash withdrawal program 113 Periodic maturity processing program 114 Cash transfer program 115 Deposit management program 116 Foreign affairs account charge program 117 Transaction review program 118 Account system linkage server 119 Account system 121 Customer basic information DB
122 Transaction Reservation DB
123 External Account Transaction Results DB
124 Appearance money management DB
125 External Account DB
126 Cash management DB on hand
127 Time Deposit Details Management DB
128 Maturity Transaction DB
129 Deposit Management DB
130 Temporary Payment Account DB
131 Customer Account DB

Claims (12)

  A public relations mobile terminal possessed by a foreign relations employee and operated at a customer's visit destination is connected to a public relations mobile server that processes transaction data transmitted from the public relations mobile terminal via a network, and the public relations mobile terminal is used. In the external mobile banking method to be performed, the external mobile server manages an external account that records deposits and withdrawals caused by transactions performed by foreign agents at customer visits, and stores various transaction data transmitted from external mobile terminals. On the other hand, a foreign currency mobile banking method characterized in that information processing for a transaction is performed using the aforementioned foreign currency account.   On the previous business day, the external mobile server calculates the total amount of reservations made on the day for each person in charge of external transactions from transaction reservation information such as cash deposits and withdrawals registered in advance by the customer. The method for external banking banking according to claim 1, wherein the amount of cash to be paid is calculated as a recommended amount for taking out on the day.   The foreign mobile server determines whether or not the customer has a reservation based on a cash deposit transaction request from the foreign mobile terminal when a customer requests a cash deposit transaction to a foreign affairs agent. Information is registered, the receipt confirmation information sent from the foreign mobile terminal after cash reception is received by the foreign agent, the cash deposit transaction information is transmitted to the account system, and the completion of the cash deposit process in the account system is completed. The external mobile banking method according to claim 1, wherein notification is made to a terminal.   When the customer makes a cash withdrawal transaction request to a foreign agent, the foreign mobile server determines whether or not the customer has made a reservation based on the cash withdrawal transaction request from the foreign mobile terminal. Register the transaction information to be received, register the receipt confirmation information sent from the external mobile terminal after the customer receives the cash, authenticate the transaction itself for the withdrawal transaction, and transmit the cash withdrawal transaction information to the accounting system 2. The external mobile banking method according to claim 1, wherein the external mobile terminal is notified of completion of cash withdrawal processing in the accounting system.   In response to a transaction scrutiny request from the foreign affairs mobile terminal, the public relations mobile server scrutinizes the current day transaction from the cash amount data on hand and the transaction history data of the foreign affairs account, and uses the scrutinization information to obtain approval from the foreign affairs officers. 2. The external mobile banking according to claim 1, wherein the external mobile banking is circulated to a seat terminal, transmits approved scrutiny information to an accounting system, and notifies the external mobile terminal of completion of transaction scrutiny processing in the accounting system. Method.   The external mobile server circulates the charge application information to the official terminal for approval by the external officials when the foreign official charges an amount to the external account from the external mobile terminal when there is a shortage of cash during the external activities. 2. The external mobile banking method according to claim 1, wherein the approved charge application information is transmitted to an accounting system, and the completion of charge processing in the accounting system is notified to the external mobile terminal.   A public relations mobile terminal possessed by a foreign relations agent and operated at a customer's visit destination is connected to a public relations mobile server that processes transaction data transmitted from the foreign relations mobile terminal via a network, and the external relation mobile terminal is used. A foreign mobile banking program that executes the processing of external mobile banking, the step of managing the external account that records the deposits and withdrawals made by the foreign agent at the customer's visit, and various types of information sent from the external mobile terminal A foreign mobile banking program that causes the external mobile server to execute information processing for a transaction using the aforementioned external account for the transaction data of the transaction.   On the previous business day, from the transaction reservation information such as cash deposits and withdrawals registered in advance by the customer, the step of calculating the amount of reservation transaction on the day for each person in charge of external affairs and the cash to be tentatively paid on the day from the external account transaction results information 8. The external mobile banking method according to claim 7, further comprising causing the external mobile server to execute a step of calculating an amount of money as a recommended carry-out amount on the day.   When a customer makes a cash deposit transaction request to a foreign affairs agent, a step of determining whether or not the customer has a reservation by registering the customer with a cash deposit transaction request from the foreign mobile terminal, and registering transaction information desired by the customer A step of registering receipt confirmation information sent from the foreign mobile terminal after cash reception, a step of transmitting cash payment transaction information to an accounting system, and completion of cash payment processing in the accounting system 8. The external mobile banking program according to claim 7, further comprising causing the external mobile server to execute a step of notifying the external mobile terminal.   When a customer makes a cash withdrawal transaction request to a public relations agent, a step of determining whether or not the customer has a reservation based on a cash withdrawal transaction request from the foreign mobile terminal, and transaction information desired by the customer A step of registering, a step of registering receipt confirmation information sent from the foreign mobile terminal after the customer receives cash, a step of authenticating the transaction itself for the withdrawal transaction, and a cash withdrawal transaction information 8. The external mobile banking program according to claim 7, wherein the external mobile banking program causes the external mobile server to execute the steps of transmitting to the external system and notifying the external mobile terminal of completion of cash withdrawal processing in the accounting system.   In response to a transaction scrutiny request from the aforementioned foreign affairs mobile terminal, a step of scrutinizing the current day's transaction from the cash amount data on hand and the transaction history data of the liaison account, and the scrutiny information is passed to the officer's terminal for approval by the foreign officer And a step of transmitting the approved scrutiny information to the accounting system and a step of notifying the policing mobile terminal of completion of the transaction scrutiny process in the accounting system. The foreign mobile banking program according to claim 7. In the event of a shortage of cash during a public relations activity, a foreign affairs officer circulates the charge application information to the official terminal for approval by the external officials in response to an application for charging an amount to the external account from the external mobile terminal. 8. The external mobile server is configured to cause the external mobile server to execute a step of transmitting the charge application information to the accounting system and a step of notifying the external mobile terminal of completion of charge processing in the accounting system. Public relations mobile banking program.

Images