JP2008269371A - Account management device and transaction processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account management device capable of improving service for a user by reducing the labor and time of a person to be transferred required to cancel a transfer transaction erroneously processed by an erroneous input or the like by a user being a transferring person. <P>SOLUTION: A user can make a cancellation request for an erroneous transfer transaction in an ATM 2. The cancellation request is transmitted to the account management device 1 and the account management device 1 stores the cancellation request. When the ATM 2 authenticates the transaction, the account management device 1 transmits information of a corresponding transfer transaction that is subjected to the cancellation request along with an authentication result to the ATM 2 to thereby notify the user of the purport. When a prescribed input operation is performed at that time, the ATM 2 instructs the account management device 1 to cancel the currently notified transfer transaction. When receiving the instruction, the account management device 1 processes a transfer transaction that exchanges information of the transferring person and the person to be transferred so as to cancel the corresponding transfer transaction. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an account management apparatus that manages an account established in a financial institution such as a post office or a bank, and a transaction processing system to which the account management apparatus is applied.

  Conventionally, in financial institutions such as post offices and banks, transaction terminals such as automatic teller machines (hereinafter referred to as ATMs) installed in stores and personal computers (hereinafter referred to as PCs) owned by users. The company provides a service that allows transactions to be made to an established account. Transactions that can be performed at a transaction terminal include a transfer transaction in which an amount specified by a user (hereinafter referred to as a transfer amount) is transferred to a specified account (hereinafter referred to as a transfer destination account). In addition, for this transfer transaction, the transfer amount is withdrawn from the user's account (hereinafter referred to as the transfer source account), and the transfer amount is transferred to the transfer destination account, and the user deposits the transfer amount in cash. There are cash transfer transactions. In these two transfer transactions, the user inputs the transfer transaction information including the transfer destination account, the transfer amount, and the like at the transaction terminal. In a general transaction terminal, when the input of the transfer transaction information by the user is completed, the content of the transfer transaction information input this time is displayed and a confirmation input by the user is accepted. When there is a confirmation input by the user, the transaction terminal transmits the transfer transaction information input this time to the account management apparatus installed in the center. This account management apparatus manages the opened account. The account management device processes the transfer transaction based on the transfer transaction information transmitted from the transaction terminal. In this way, before processing a transfer transaction, the transfer transaction information input to the user is confirmed, thereby suppressing the occurrence of an erroneous transfer transaction due to an erroneous input of the user who is the transfer person. . However, it is not possible to completely prevent an erroneous transfer transaction due to an erroneous input by the transfer person.

In addition, in order to prevent an incorrect transfer transaction due to a transferer's erroneous input, etc., the account management device uses the inter-account transfer transaction information sent from the transaction terminal to the user who opened the transfer account. It has also been proposed to hold the transfer transaction without processing until it is authenticated (hereinafter referred to as a payee) (see Patent Document 1). In this document, it is proposed that a transfer transaction rejected by a payee is canceled without being processed.
2005-284869

  However, even if the transfer person notices that an incorrect transfer transaction has been performed, if the transfer transaction has already been processed, the transfer transaction itself cannot be canceled. For this reason, the transfer person will contact the transferee of the wrong transfer transaction and have the transferee refund the transfer amount, such as having the transfer amount transferred in this incorrect transfer transaction be transferred to his / her account. There was only. For this reason, when a transfer person performed the wrong transfer transaction, there existed a problem that not only this transfer person but a payee would be spent a lot of effort.

  Further, in the configuration of Patent Document 1, the transfer transaction is canceled when the transferee rejects, but if the transferee authenticates without realizing that the transfer transaction is incorrect, the transfer transaction is processed. Will be. Therefore, even in the configuration of this Patent Document 1, there is a problem in that when a wrong transfer transaction due to an erroneous input of the transfer person is processed, the transferred person takes a great deal of trouble.

  An object of the present invention is to reduce the trouble of a transferee for canceling a transfer transaction that has been processed by mistake by a user who is a transferer, etc., and an account management device that aims to improve the service for the user, Another object of the present invention is to provide a transaction processing system to which the account management apparatus is applied.

  The account management apparatus according to the present invention is configured as follows in order to solve the above-described problems and achieve the object.

  When a transfer transaction in which a transfer amount and a transfer destination account are specified is requested, the transfer transaction processing means processes the transfer transaction based on the request. Further, the transfer transaction history storage means stores the history of the transfer transaction processed by the transfer transaction processing means. Business management related to the processed transfer transaction is performed based on the history stored in the transfer transaction history storage means.

  Further, the cancellation request receiving means receives a transfer transaction cancellation request stored as a history in the transfer transaction history storage means. The cancellation request reception transaction storage means stores the transfer transaction for which the cancellation request reception means has received the cancellation request. When the cancellation confirmation requesting unit requests a transaction for the transfer destination account of the transfer transaction that has received the cancellation request stored in the cancellation request receiving transaction storing unit, the cancellation is requested for the account. Outputs the details of the transfer transaction and requests confirmation to cancel the transfer transaction. Then, the transfer transaction cancellation means processes the transfer transaction with the transfer destination account as the transfer source account and the refund destination account as the transfer destination account for the transfer transaction confirmed to be canceled by the cancellation confirmation request means.

  For this reason, the cancellation request accepting means can accept a cancellation request for the erroneous transfer transaction from the transfer person who has noticed that the incorrect transfer transaction has been performed. In addition, for a transfer transaction for which a cancellation request has been received, if there is a transaction request for the transfer destination account of this transfer transaction, that is, if there is a transaction request from the transferee of the transfer transaction, a cancellation confirmation request means Requests confirmation of cancellation of the transfer transaction, the transfer transaction is processed in the wrong way for the transferee, and the transfer transaction is requested by the transferor of the transfer transaction. Can be notified. When the transfer transaction notified to the payee (transfer transaction in which the transfer person is incorrect) is confirmed by the payee, the transfer transaction canceling means determines the transfer amount of the transfer transaction that is incorrect by the transfer person. It is transferred from the payee's account to the transferee's account (refund account).

  Therefore, the transferee can cancel the transfer transaction simply by performing an operation to confirm the cancellation in response to the cancellation request for the incorrect transfer transaction by the transferor that was notified at the time of the transaction for his / her account. . For this reason, it is possible to reduce the trouble of the payee for canceling the wrong transfer transaction by the transfer person, and the service for the user can be improved.

  Further, if the transfer request receiving means is a transfer transaction for receiving a cancel request, the transfer source account may be used as a refund destination account. As a result, it is possible to reduce the time and effort required for a transfer person who has noticed that an incorrect transfer transaction has been made, to accept a fraudulent cancellation request by someone other than the transfer person, and to transfer the transfer amount of the transfer transaction. Can be prevented and the security can be secured.

  In addition, what is necessary is just to pay the transfer person who performed the wrong transfer transaction about the commission concerning the transfer transaction which the said transfer transaction cancellation means performs.

  According to the present invention, it is possible to reduce the trouble of the payee for canceling an erroneous transfer transaction by the transfer person, and the service for the user can be improved.

  Embodiments of the present invention will be described below.

  FIG. 1 is a diagram showing the configuration of this transaction processing system. This transaction processing system includes an account management device 1 and a plurality of automatic teller machines 2 (hereinafter referred to as ATM 2). The account management device 1 is installed at the center of a financial institution. The account management device 1 is a device that manages an account opened in a financial institution. ATM2 is installed in a store of a financial institution. The account management apparatus 1 and the ATM 2 are connected so as to be capable of data communication via a public line or a dedicated line. A user can perform deposit transactions, withdrawal transactions, balance inquiry transactions, transfer transactions, transfer transactions, and the like at ATM2. As is well known, a user operates ATM 2 and inputs information necessary for a transaction to be executed. The ATM 2 transmits the input information to the account management apparatus 1 and requests authentication as to whether or not the transaction is possible. The account management apparatus 1 authenticates whether the transaction requested from the ATM 2 is permitted, and notifies the ATM 2 of the authentication result. When the ATM 2 obtains an authentication result indicating that the transaction is permitted from the account management apparatus 1, the ATM 2 processes the transaction. On the other hand, when an authentication result indicating that the transaction is not permitted is obtained from the account management apparatus 1, the transaction is stopped. Moreover, the account management apparatus 1 manages an account based on the transaction processed by ATM2.

  FIG. 2 is a block diagram showing a configuration of a main part of the account management apparatus. The account management apparatus 1 includes a control unit 11, a communication unit 12, an input / output interface 13 (hereinafter referred to as an input / output I / F 13), an account management database 14 (hereinafter referred to as an account management DB 14), Transfer transaction history database (hereinafter referred to as transfer transaction history DB 15), cancellation request reception transaction database (hereinafter referred to as cancellation request reception transaction DB 16), and canceled transfer transaction database 17 (hereinafter referred to as canceled transfer transaction DB 17). And). The control unit 11 controls each part of the main body and manages the opened account. An operator terminal (not shown) or the like operated by an operator is connected to the input / output I / F 13. The input / output I / F 13 controls input / output with a connected operator terminal or the like. The account management DB 14 stores account management information in which a financial institution number, a branch number, an account number, an account name (user name), a personal identification number, an account balance, and the like are associated with each opened account. (See FIG. 3). FIG. 3 shows account management information stored for one account.

  The transfer transaction history DB 15 stores transfer transaction information indicating the contents of the processed transfer transaction as a history. This transfer transaction information includes the processing serial number, bank account number, bank account number, bank account number, bank name, bank account number, bank account number, bank account number, bank name. , Transfer amount, transfer date / time, presence / absence of cancellation request, cancellation request date / time, etc. (see FIG. 4). 4A and 4B show transfer transaction information related to an inter-account transfer transaction, and FIG. 4C shows transfer transaction information related to a cash transfer transaction. The processing serial number is a number that is serially assigned by the account management apparatus 1 when processing the transfer transaction, and can identify the transfer transaction. The transferor financial institution number, transferer branch number, and transferor account number are the transfer source financial institution number, transfer source branch number, and transfer source account number in this transfer transaction, and are information related to the transferor's account. . The name of the transfer person is the name of the holder of the transfer source account, and is usually the name of the user who performed this transfer transaction. The transferor financial institution number, transferer branch number, and transferer account number are registered as shown in FIGS. 4A and 4B in the case of an inter-account transfer transaction. In some cases, registration is not performed as shown in FIG. The name of the transfer person is registered regardless of whether it is an inter-bank transfer transaction or a cash transfer transaction. In the case of cash transfer transaction, the user inputs it.

  The transfer destination financial institution number, the transfer destination branch number, and the transfer destination account number are information regarding the account into which the transfer amount is transferred, that is, the account of the payee. The name of the payee is the name of the holder of the transfer account. Further, the transfer amount is the amount transferred from the transfer person to the transferee in this transfer transaction, and the transfer date and time is the date and time when this transfer transaction was processed. Furthermore, the presence or absence of a cancellation request is information (yes or no) indicating whether or not the transfer transaction has been requested by the transfer person, and the cancellation request date and time was requested by the transfer person to cancel the transfer transaction. This is information indicating the date and time. 4 (A) and 4 (C) show the transfer transaction information for which the transfer transaction is not requested by the transfer person, and FIG. 4 (B) shows that the transfer transaction is requested by the transfer person. The transfer transaction information is shown.

  Moreover, cancellation request reception transaction DB16 memorize | stores cancellation request reception transaction information about the transfer transaction which received the cancellation request | requirement from a transfer person. Cancellation request acceptance transaction information includes the transaction number of the transfer transaction requested to be canceled by the transferor, the refund financial institution number, the refund destination branch number, the refund destination account number, the client name, the refund source financial institution number, and the refund source branch. Number, refund source account number, refund person name, transfer amount, cancellation request date and time, cancellation request notification status (not notified or notified), notification date and time, etc. are included (see FIG. 5). Refund financial institution number, repayment branch number, repayment account number, and client name are the transferor financial institution number, transferor branch number, transferor account number of the transfer transaction for which the cancellation request was made, and The name of the transfer person. That is, it is information concerning the transfer person of the transfer transaction for which the cancellation request has been made. Also, the refund source financial institution number, the refund source branch number, the refund source account number, and the refund person name are the transfer destination financial institution number, transfer destination branch number, and transfer account number of the transfer transaction for which the cancellation request was made, respectively. , And the name of the payee. That is, it is information concerning the transferee of the transfer transaction for which the cancellation request has been made.

  As mentioned above, the transfer transaction information of the cash transfer transaction does not include the financial institution number, branch number, and account number for the transfer person, but the name of the transfer person is included. Using the name of the transfer person and the account management information stored in the account management DB 14 described above, it is possible to prevent an inappropriate refund destination financial institution number, return destination branch number, and return destination account number from being registered. ing. Details of this function will be described later.

  The transfer amount is a transfer amount of a transfer transaction for which a cancellation request has been made. The cancellation request reception date and time is information indicating the date and time when the cancellation request is received. The state of the cancellation request is information indicating whether or not the transferee (refunder shown in FIG. 5) has been notified that the transfer has been requested for cancellation for this transfer transaction. Further, the cancellation request notification date and time is information indicating the date and time when the transferee is notified that the cancellation is requested by the transferor (see FIG. 5B). The cancellation request notification date and time is empty when the transferee has not been notified that the transfer has been requested (see FIG. 5A).

  In addition, the canceled transfer transaction DB 17 obtains the confirmation of the transferee for the transfer transaction for which the cancellation request has been accepted, and canceled transfer transaction information relating to the transfer transaction substantially canceled by processing another transfer transaction. Remember. This canceled transfer transaction information includes the processing number of the transfer transaction for which the cancellation was requested, the refund financial institution number, the refund destination branch number, the refund destination account number, the name of the refund recipient, the refund source financial institution number, and the refund source branch. Number, refund source account number, refund person name, refund amount, refund date and time, etc. are included (see FIG. 6). The refund amount is an amount obtained by subtracting the fee for processing the transfer transaction from the transfer amount of the transfer transaction for which the cancellation request has been accepted. The refund date and time is the date and time when another transfer transaction performed to substantially cancel the transfer transaction for which the cancellation request was made.

  This transaction processing system substantially cancels a transfer transaction requested to be canceled by processing a new transfer transaction in which the transferee of the transfer transaction requested to be canceled is the transferee. Details of processing for canceling a transfer transaction for which cancellation is requested will be described later. Moreover, the account management apparatus 1 is provided with the database which memorize | stores the information required in order to manage an account other than the database mentioned above.

In addition to transaction processing conventionally performed such as deposit transaction, withdrawal transaction, balance inquiry transaction, transfer transaction, transfer transaction, etc., the account management device 1
(1) Function to accept a transfer transaction cancellation request,
(2) A function for notifying the transferee of the transfer transaction of the transfer transaction that has received the cancellation request,
(3) A function to process another transfer transaction in order to substantially cancel the transfer transaction for which the cancellation request has been accepted,
(4) A function for notifying the client who made the cancellation request that the other transfer transaction has been processed in order to substantially cancel the transfer transaction for which the cancellation request has been accepted,
(5) It has a function of notifying the requester who made the cancellation request of the status of the cancellation request received. Details of these functions will be described later.

  FIG. 7 is a diagram showing the configuration of the main part of the ATM. The ATM 2 includes a control unit 21, a communication unit 22, a display unit 23, an operation unit 24, a card processing unit 25, a passbook processing unit 26, a statement slip issuing unit 27, a banknote processing unit 28, and a coin processing. Part 29. The control unit 21 controls the operation of each part of the main body. The communication unit 22 controls communication with the account management apparatus 1 via a public line or a dedicated line. The display unit 23 includes a display device such as a liquid crystal or a CRT, and performs control for displaying an operation guidance screen or the like on the display device for the user. The operation unit 24 includes input devices such as operation keys and a touch panel arranged on the screen of the display device, and accepts an input operation by a user. The card processing unit 25 receives a user's cash card, and reads card information recorded on the cash card and writes card information. The cash card is, for example, a magnetic card or an IC card. In the cash card, a financial institution number, a branch number, an account number, and the like for a corresponding account are recorded as card information. The passbook processing unit 26 accepts a passbook owned by the user and prints transaction details on the passbook. The statement slip issuing unit 27 issues a statement slip on which transaction details are printed to the user. The banknote processing unit 28 processes deposit / withdrawal banknotes. The bill processing unit 28 has a bill discriminating unit for discriminating the authenticity and denomination of the deposit / withdrawal bill. The coin processing unit 29 processes deposit / withdrawal coins. The coin processing unit 29 has a coin discriminating unit that discriminates the authenticity of the deposit / withdrawal coin and the denomination.

  Hereinafter, operations of the account management apparatus 1 and the ATM 2 in this transaction processing system will be described. This transaction processing system is intended to improve the service to users by reducing the burden on the payee even if an incorrect transfer transaction due to an incorrect input by the user who is the transfer person is processed. Therefore, it has the functions (1) to (5) described above.

  In addition, the user can also perform a known deposit transaction, withdrawal transaction, balance inquiry transaction, transfer transaction, transfer transaction, and the like at ATM2.

  First, the transfer transaction will be briefly described. FIG. 8 is a flowchart showing the operation of the ATM in the transfer transaction, and FIG. 9 is a flowchart showing the operation of the account management apparatus in the transfer transaction. ATM2 will perform the process shown in FIG. 8, if a user performs input operation which selects the transfer transaction with the operation part 24. FIG. The ATM 2 accepts a selection input as to whether the transfer transaction to be processed this time is an inter-account transfer transaction or a cash transfer transaction (s1). When the inter-account transfer transaction is selected, the ATM 2 accepts the cash card by the card processing unit 25 (s2), and accepts the input of the personal identification number by the user at the operation unit 24 (s3). In addition, the ATM 2 accepts the input of the transfer destination financial institution number, the transfer destination branch number, the transfer destination account, the name of the payee, the transfer amount, and the like in the operation unit 24 (s4). The ATM 2 creates a transfer transaction authentication request based on the information obtained in the processing of s2 to s4 (s5), and transmits it to the account management apparatus 1 (s6). The transfer transaction authentication request created in s5 includes the transferer's personal identification number, transfer source financial institution number, transfer source branch number, transfer source account number, transfer destination financial institution number, transfer destination branch number, and transfer destination account number. , Name of transferee, transfer amount, etc. are included. The transfer person's password is the password entered by the user in s3. The transfer source financial institution number, the transfer source branch number, and the transfer source account number are information on the account corresponding to the cash card obtained from the card information recorded in the cash card accepted in s2. The name of the payee, the transfer destination financial institution number, the transfer destination branch number, the transfer destination account number, and the transfer amount are information input by the user at ATM2 in s4.

  When there is a transaction authentication request from any ATM 2, the account management apparatus 1 determines the type of transaction for which authentication is requested by the authentication request, and performs authentication processing for the type of transaction determined here. When the account management apparatus 1 determines that the authentication request transmitted from the ATM 2 is an authentication request related to a transfer transaction, the account management apparatus 1 executes the process shown in FIG. The account management device 1 determines whether it is an authentication request for an inter-account transfer transaction or an authentication request for a cash transfer transaction (s31). The determination regarding s31 can be made based on whether or not the transfer request financial institution number, transfer source branch number, and transfer source account number are included in the authentication request. As will be described later, the authentication request for the cash transfer transaction does not include the transfer source financial institution number, the transfer source branch number, and the transfer source account number.

  If the account management apparatus 1 determines in s21 that the transaction is an inter-account transfer transaction, it determines whether or not the personal identification number included in the authentication request is appropriate (s32). As described above, the account management apparatus 1 manages the personal identification number of each account with the account management DB 14. The account management apparatus 1 determines that it is appropriate if the personal identification number managed for the transfer source account of the authentication request received this time and the personal identification number included in the authentication request received this time match. To do. If the account management apparatus 1 determines that the personal identification number is appropriate in s32, it determines whether or not the current transfer transaction is possible (s33). In s33, it is determined whether or not the current transfer transaction can be substantially processed, such as whether or not the balance of the transfer source account is equal to or greater than the transfer amount. When it is determined that the personal identification number is not appropriate in s32, or when it is determined that the transaction is not possible in s33, the account management device 1 notifies the ATM 2 that the transaction is impossible (s34). In s34, the ATM 2 is also notified of the reason why the transaction is disabled, an incorrect PIN, a shortage of balance, and the like. When the account management device 1 determines that the transaction is possible in s33, it notifies the ATM 2 that the transaction is possible as an authentication result (s35). At this time, the account management apparatus 1 has assigned a processing serial number to the current transfer transaction, and also notifies the ATM 2 of this processing serial number. Moreover, the account management apparatus 1 creates the transfer transaction information concerning this transfer transaction, and memorize | stores this in transfer transaction log | history DB15 (s36). The transfer transaction information created in s36 has no cancellation request, and the cancellation request date and time is empty. The account management apparatus 1 also performs processing related to recording and updating of information necessary for account management in s36, for example, updating of the account balance.

  If the authentication result notified from the account management device 1 is unsuccessful, the ATM 2 displays the fact on the display unit 23 (s7, s8) and releases the cash card accepted in s2 (s9). The process ends. On the other hand, if the authentication result notified from the account management device 1 is transactable, the ATM 2 displays that the transfer transaction is completed on the display unit 23 (s7, s10). The ATM 2 releases the cash card accepted in s2 (s11), and the statement slip issuing unit 27 issues a statement slip on which the details of the current transfer transaction are printed (s12), and the process is terminated. The processing slip number assigned to the current transfer transaction is also printed on the statement slip issued in s12.

  In the inter-account transfer transaction described above, the fee for the transfer transaction is withdrawn from the transfer source account. That is, the transfer person bears a fee for the transfer transaction.

  Next, cash transfer transactions will be described. The ATM 2 accepts the input of the transfer person name, the transfer destination financial institution number, the transfer destination branch number, the transfer destination account, the payee name, and the transfer amount in the operation unit 24 (s13). In s13, in addition to the item input in s4, the input of the name of the user who is the transfer person is also accepted. ATM2 accepts cash deposit (s14). In s14, the banknote processing unit 28 accepts the insertion of banknotes by the user, and the coin processing unit 29 accepts the insertion of coins by the user. The banknote processing unit 28 performs authenticity of the inserted banknotes and discrimination of denominations. The coin processing unit 29 discriminates the authenticity of the inserted coin and the denomination. ATM2 holds the banknote and coin discriminated to be a genuine note in a temporary holding part, and on the contrary returns the banknote and the coin that could not be discriminated to be a genuine note to the user. ATM2 adds cash to the user when the total amount of cash entered by the user has not reached the total amount of the transfer amount entered in s13 and the fee for the current transfer transaction. The user is requested to make an input, or the user confirms whether the input amount at that time is corrected to the total amount of the transfer amount and the fee of the current transfer transaction. The ATM 2 creates an authentication request for the current transfer transaction when the cash inserted by the user has reached the total amount of the transfer amount of the current transfer transaction and the fee (s15). The transfer transaction authentication request created in s15 includes the name of the payer, the name of the payee, the payee financial institution number, the payee branch number, the payee account number, the transfer amount, etc. It does not include the person's personal identification number, transfer source financial institution number, transfer source branch number, and transfer source account number. The ATM 2 transmits the transfer transaction authentication request created in s15 to the account management apparatus 1 (s16), and waits for an authentication result for the authentication request.

  If it determines with the account management apparatus 1 being the authentication request | requirement of a cash transfer transaction by s31, the process after s33 mentioned above will be performed.

  In the case of a cash transfer transaction, the transfer transaction information created in s36 has no transfer source financial institution number, transfer source branch number, and transfer source account number (see FIG. 4C).

  If the authentication result notified from the account management device 1 is unsuccessful, the ATM 2 displays the fact on the display unit 23 (s17, s18), and the banknotes and coins held in the temporary storage unit (used this time) The banknotes and coins inserted by the person are discharged (s19), and the process is terminated. On the other hand, if the authentication result notified from the account management device 1 is transactable, the ATM 2 displays that the transfer transaction is completed on the display unit 23 (s17, s20). In addition, the ATM 2 issues a statement slip on which the details of the current transfer transaction are printed by the statement slip issuing unit 27 (s21), and ends this processing. Moreover, ATM2 conveys and stores the banknote and coin currently hold | maintained in the temporary storage part to the money type cartridge provided in the main body. In the statement slip issued in s21, the process serial number assigned to the current transfer transaction is printed. Therefore, the user who performed the transfer between accounts and the cash transfer can confirm the processing serial number of the transfer transaction by the statement slip issued in s12 or s21.

  Next, a cancellation request receiving process for receiving a request for canceling a transfer transaction from a user who has noticed that an incorrect transfer transaction has been performed will be described. The user can request cancellation regardless of whether the wrong transfer transaction is an inter-account transfer transaction or a cash transfer transaction. 10 and 11 are flowcharts showing ATM cancellation request acceptance processing. ATM2 will perform the process shown in FIG. 10, if a user performs input operation which selects the cancellation | release request | requirement of a transfer transaction with the operation part 24. FIG. The ATM 2 accepts the cash card at the card processing unit 25 (s41), and accepts the input of the password at the operation unit 24 (s42). Next, a selection is made as to whether the transfer transaction desired to be canceled is an inter-account transfer transaction or a cash transfer transaction (s43). When the inter-account transfer transaction is selected in s43, the ATM 2 transmits a confirmation request for the inter-account transfer transaction to the account management apparatus 1 (s44). The confirmation request transmitted to the account management apparatus 1 in s44 includes the card information of the cash card accepted in s41 and the password entered by the user in s42. Further, when the cash transfer transaction is selected in s43, the ATM 2 receives an input of an incorrect transfer transaction processing number (s45) and transmits a confirmation request for the cash transfer transaction to the account management apparatus 1 (s46). The confirmation request transmitted to the account management apparatus 1 in s46 includes the card information of the cash card accepted in s41, the personal identification number accepted by the user in s42, and the processing serial number accepted by the user in s45. ing.

  When there is a transfer transaction confirmation request from the ATM 2, the account management apparatus 1 performs a confirmation notification process shown in FIG. First, the account management apparatus 1 determines whether or not the personal identification number included in the transfer transaction confirmation request transmitted from the ATM 2 is appropriate (s71). The determination relating to s71 is performed based on the account management information stored in the account management DB 14 as described above. If the account management apparatus 1 determines that the personal identification number is not appropriate in s71, the account management apparatus 1 transmits a confirmation impossible to the ATM 2 (s72), and ends this process. On the other hand, when the account management apparatus 1 determines that the password is appropriate, it determines whether it is a confirmation request for an inter-account transfer transaction or a confirmation request for a cash transfer transaction (s73). When the account management apparatus 1 determines that the request is for a confirmation request for an inter-bank transfer transaction, the account obtained from the card information of the cash card included in the current confirmation request from the transfer transaction history DB 15 is a transfer source account. A transaction is extracted (s74). The account management apparatus 1 does not extract a transfer transaction for which a cancellation request has already been received in s74. Moreover, in s74, it is preferable to extract only the transfer transaction performed in a predetermined period, for example, the last one month or the last two months. Thereby, the fall of the processing efficiency accompanying extraction of useless transfer transaction information is suppressed. The account management apparatus 1 notifies the ATM 2 of the transfer transaction information extracted in s74 (s77). If there is no transfer transaction information extracted at s74, the account management apparatus 1 notifies ATM2 at s77.

  Moreover, if the account management apparatus 1 determines with it being a cash transfer transaction by s73, it will read the transfer transaction information corresponding to the process serial number contained in this confirmation request | requirement from transfer transaction log | history DB15 (s75). The account management apparatus 1 determines whether or not the current confirmation request is an appropriate confirmation request by the transfer person (s76). In s76, if the name of the account obtained from the card information of the cash card included in the current confirmation request matches the name of the transfer person in the transfer transaction information extracted in s75, the current confirmation request Is a proper confirmation request by the transfer person, and if they do not match, it is determined that the current confirmation request is not an appropriate confirmation request by the transfer person. If the account management device 1 determines in s76 that the current confirmation request is not an appropriate confirmation request by the transfer person, the account management device 1 transmits a confirmation impossibility to the ATM 2 in s72. Conversely, if it is determined in s76 that the current confirmation request is an appropriate confirmation request by the transfer person, the account management apparatus 1 notifies the ATM 2 of the transaction transaction information read in s75 (s77).

  If the notification from the account management apparatus 1 for the confirmation request for the inter-bank transfer transaction transmitted to the account management apparatus 1 in s44 is not confirmed, the ATM 2 displays a screen indicating that the confirmation is impossible on the display unit 23. At the same time (s47, s48) (see FIG. 14), the cash card accepted at s41 is released (s49), and this process is terminated. FIG. 14 shows a case where inter-account transfer transactions cannot be confirmed due to an incorrect input of a password. In addition, when the notice from the account management apparatus 1 is confirmed, but the ATM 2 receives a notice that there is no relevant inter-bank transfer transaction information, the ATM 2 indicates that there is no relevant inter-bank transfer transaction. The screen is displayed on the display unit 23 (s47, s50, s51) (see FIG. 15), and the cash card accepted in s41 is released (s49), and this process is terminated.

  Further, if the inter-account transfer transaction information is notified from the account management apparatus 1, the ATM 2 displays the notified inter-account transfer transaction information on the display unit 23 (s47, s50, s52) (see FIG. 16). The ATM 2 waits for any transfer transaction information displayed on the display unit 23 to be selected by the user (s53) or to be operated for termination (s61). When any transfer transaction information displayed on the display unit 23 is selected by the user, the ATM 2 displays a transfer transaction cancellation request confirmation screen for the selected transfer transaction on the display unit 23 (s54) ( FIG. 17). The ATM 2 waits until the user returns or confirms the selection (s55, s56). If return is selected, ATM2 returns to s52 and repeats the above processing. Moreover, if confirmation is selected, ATM2 will transmit the cancellation request | requirement about the transfer transaction which is displaying the transfer transaction information on the display part 23 to the account management apparatus 1 (s57). This cancellation request includes a processing sequence number for identifying a transfer transaction.

  When the account management apparatus 1 receives the cancellation request for the transfer transaction transmitted from the ATM 2, the account management apparatus 1 executes a cancellation request reception process shown in FIG. The account management device 1 identifies the transfer transaction requested to be canceled from the ATM 2 by the processing serial number, and determines whether or not there is a cancellation request for the transfer transaction information of the corresponding transfer transaction stored in the transfer transaction history DB 15. In addition to the change, the cancellation request date and time is added (s81). In addition, for the transfer transaction for which the cancellation request is received this time, cancellation request reception transaction information is created and stored in the cancellation request reception transaction DB 16 (s82). In the cancellation request transaction acceptance information created in s82, the status of the cancellation request is not notified, and the cancellation request date and time is empty. The account management apparatus 1 notifies the ATM 2 that the transfer transaction cancellation request has been received (s83), and ends this process.

  When the ATM 2 receives the cancellation request acceptance completion notification from the account management apparatus 1 (s58), the ATM 2 displays the fact on the display unit 23 (s59). This notifies the user that the acceptance of the transfer transaction cancellation request has been completed. When the ATM 2 accepts the confirmation input by the user in the operation unit 24 while the screen indicating the cancellation request acceptance completion is being displayed on the display unit 23 (s60), the ATM 2 returns to s52 and repeats the above-described processing. Therefore, the user can also request cancellation at a time for a plurality of transfer transactions. Further, when the ATM 2 accepts the end input by the user without selecting the transfer transaction information at s53 (s61), the ATM 2 releases the cash card accepted at s41 (s62), and this time the account management apparatus 1 The statement slip printing unit 27 issues a statement slip printed with the transfer transaction information informed about the transfer transaction from (S63), and ends this processing. In s63, it is preferable to distinguish and print the transfer transaction that has received the cancellation request this time and the transfer transaction that has not received the cancellation request.

  As described above, the user can easily confirm the history of the inter-account transfer transaction performed in the past and can make a cancellation request for an erroneous transfer transaction at ATM2.

  In response to the confirmation request for the cash transfer transaction transmitted to the account management apparatus 1 at s46, the ATM 2 executes the above-described processes after s48 when receiving a notification indicating that the confirmation is not possible from the account management apparatus 1 (s64). Moreover, when the confirmation request | requirement of cash transfer transaction is permitted and transfer transaction information is notified from the account management apparatus 1, ATM2 will display the notified transfer transaction information on the display part 23 (s64, s65). The ATM 2 waits for an input related to termination or confirmation by the user (s66, s67). The ATM 2 executes the processing after s62 when the user inputs for termination. Moreover, if the input concerning confirmation is performed by the user, ATM2 will transmit the cancellation request | requirement about this transfer transaction to the account management apparatus 1 (s68). The cancellation request transmitted from the ATM 2 to the account management apparatus 1 in s68 includes the card information recorded in the cash card accepted in s41 along with the transfer transaction processing serial number notified this time.

  When the account management apparatus 1 receives the cancellation request transmitted from the ATM 2 in s68, the account management apparatus 1 executes the process shown in FIG. At this time, the account management apparatus 1 searches the account management DB 14 using the card information included in the cancellation request from the ATM 2 and accepts the cancellation request transaction based on the account management information obtained here. Set the financial institution number to which the information is refunded, the branch number to which the information is refunded, the account number for the refund, and the name of the client. Regarding the cash transfer transaction, similarly to the above-described inter-account transfer transaction, the cancellation request transaction acceptance information created in s82 has an unreported cancellation request status and the cancellation request date and time is empty.

  When the ATM 2 receives the cancellation request acceptance completion notification from the account management apparatus 1 (s69), the ATM 2 displays the fact on the display unit 23 (s70). This notifies the user that the acceptance of the transfer transaction cancellation request has been completed. Moreover, ATM2 performs the process concerning s62 and s63 mentioned above, and complete | finishes this process. Therefore, the user can easily make a cancellation request for a cash transfer transaction performed in the past at ATM2. In addition, the processing sequence number of the cash transfer transaction is only printed on the statement slip issued at the time of processing of this cash transfer transaction, preventing unauthorized cancellation requests from being made by others who do not know the processing sequence number. it can. In addition, if the name of the transfer person of the cash transfer transaction and the account holder corresponding to the cash card used by the user do not match, the output of the contents of the cash transfer transaction and the cancellation will not be accepted. An unauthorized cancellation request can be prevented more reliably.

  Next, a function for notifying a transferee of a transfer transaction that has received a cancel request that the cancel request has been issued from the transfer person will be described. This notification is executed when the payee performs a deposit transaction, a withdrawal transaction, a balance inquiry transaction, a transfer transaction or the like at ATM2. 18 and 19 are flowcharts showing the operation of the ATM relating to this notification process, and FIG. 20 is a flowchart showing the operation of the account management apparatus relating to this notification process. The ATM 2 accepts a cash card (s91) and accepts transaction data (for example, deposit amount and withdrawal amount) necessary for the type of transaction requested by the user (s92). The ATM 2 transmits a transaction authentication request including the cash card data received in s91 and the transaction data input in s92 to the account management apparatus 1 (s93).

  The account management apparatus 1 determines whether or not to allow the transaction based on the transaction authentication request transmitted from the ATM 2 (s111). Also, in the cancellation request reception transaction stored in the cancellation request reception transaction DB 16, is there a cancellation request reception transaction in which the current transaction account matches the refund source financial institution, the refund source branch, and the refund source account number? It is determined whether or not (s112). That is, it is determined whether or not there is a transfer transaction for which a cancellation request is accepted for the user. If there is a transfer transaction for which a cancellation request is accepted, the account management apparatus 1 extracts cancellation request reception transaction information relating to the cancellation request reception transaction (s113). Further, the account management apparatus 1 changes the cancellation request status to the cancellation request reception transaction information extracted in s113 stored in the cancellation request reception transaction DB 16, and adds the cancellation request notification date and time. (S114). In s114, the current time is set as the cancellation request notification date and time. Then, the account management apparatus 1 returns the authentication result in s111 and the cancellation request acceptance transaction information extracted in s113 to the ATM 2 (s115), and ends this process.

  If the account management apparatus 1 determines that there is no matching cancellation request acceptance transaction in s112, it returns only the authentication result in s111 to the ATM2.

  When the ATM 2 receives the transaction authentication result from the account management apparatus 1 (s94), the ATM 2 determines whether the current transaction is permitted in the account management apparatus 1 or not (s95). If the transaction is permitted, ATM2 processes the current transaction (s96). If the transaction is not permitted, ATM2 terminates the current transaction (s97). In s96, the dispensing banknotes are discharged as necessary.

  Moreover, ATM2 determines whether the cancellation request reception transaction information of the transfer transaction which has received the cancellation request is included in the current authentication result (s98). When the cancellation request acceptance transaction information is included, the ATM 2 displays that fact (there is a request for cancellation of the transfer transaction) on the display unit 23 (s99) (see FIG. 21). FIG. 21 shows a screen example displayed on the display unit 23 when the user makes a balance inquiry. The ATM 2 waits for confirmation or termination operation by the user (s100, s101). When the confirmation is operated by the user, the ATM 2 displays the contents of the cancellation request acceptance transaction information included in the current authentication result on the display unit 23 (s102) (see FIG. 22). Then, the ATM 2 waits for approval or hold operation by the user (s103, s104). When the authorization is operated by the user, ATM2 confirms whether or not to perform the transfer transaction with the user's account as the transfer source in order to cancel the transfer transaction for the transfer transaction for which the cancellation request is accepted. Is displayed on the display unit 23 (s105). Here, the ATM 2 waits for confirmation or cancellation operation by the user (s106, s107). When the confirmation is operated in s106, the ATM 2 instructs the account management apparatus 1 to cancel the transfer transaction for which the cancellation request is accepted (s108). This instruction includes the cancellation request acceptance transaction information of the transfer transaction that has been confirmed this time and is accepting the cancellation request. When the ATM 2 instructs the account management apparatus 1 to cancel the transfer transaction for which the cancellation request has been accepted in s108, the cash card accepted in s91 is released (s109), and this process is terminated.

  If it is determined that the cancellation request acceptance transaction information of the transfer transaction for which the cancellation request is accepted is not included in the current authentication result in s98, ATM2 jumps to s109, returns the cash card to the user, The process ends. Also, ATM2 jumps to s109 and returns the cash card to the user when the end is operated in s101, the hold is operated in s104, and the cancel is operated in s107. Exit.

  Next, the operation of the account management apparatus 1 that has received the cancellation instruction for the transfer transaction for accepting the cancellation request output from the ATM 2 in s108 will be described. FIG. 24 is a flowchart showing a transfer transaction cancellation process in the account management apparatus. The account management apparatus 1 reads the cancellation request reception transaction information relating to the transfer transaction for which the cancellation request is received from the ATM 2 from the cancellation request reception transaction DB 16 instructed to be canceled from the ATM 2 (s121), and creates the transfer transaction information for cancellation. (S122). In s122, the refund destination financial institution number, the refund destination branch number, the refund destination account number, and the client name of the cancellation request acceptance transaction information read in s121 are respectively set as the payee financial institution number, the payee branch number, The transferor account number and the name of the transferee, and the refunder financial institution number, the refunder branch number, the refunder account number, and the refunder name are the transferor financial institution number, transferer branch number, and transferor, respectively. Create transfer transaction information with the account number and transferee name. Further, the transfer amount is set to an amount obtained by subtracting the fee for the current transfer transaction from the transfer amount of the cancellation request acceptance transaction information. The account management apparatus 1 processes the transfer transaction based on the transfer transaction information created in s122 (s123). Further, the account management apparatus 1 stores the canceled request acceptance transaction information relating to the transfer transaction processed in s123 as the canceled transfer transaction DB 17 in the canceled transfer transaction DB 17 and deletes it from the cancellation request acceptance transaction DB 16 ( s124, s125).

  Thus, the user who performed the wrong transfer transaction can tell the transferee and request a refund only by performing an operation related to the above-described transfer transaction cancellation request at ATM2. In addition, when the recipient pays at ATM2, he / she is notified that an incorrect transfer transaction has been made to him / her, and confirms the contents on the spot to cancel the transfer transaction. Such an instruction can be given. Therefore, it is possible to reduce the labor of the payee who has made an incorrect transfer transaction, and the convenience for the user can be improved. Further, the cancellation request acceptance transaction information stored in the canceled transfer transaction DB 17 is deleted when the transfer transaction related to the cancellation is performed, so that the storage capacity of the canceled transfer transaction DB 17 can be suppressed.

  Further, the notification process of the account management apparatus 1 shown in FIG. 20 may be replaced as shown in FIG. Specifically, the canceled transfer transaction information in which the current transaction account matches the refund destination financial institution, the refund destination branch, and the refund destination account number is stored in the canceled transfer transaction DB 17 between s114 and s115. It is determined whether it is stored (s116), and if there is a matching cancel request acceptance transaction, the canceled transfer transaction information is extracted (s117). Then, the account management apparatus 1 returns the authentication result in s111, the cancellation request acceptance transaction information extracted in s113, and the canceled transfer transaction information extracted in s117 to ATM2 (s115), and the cancellation extracted in s117. The completed transfer transaction information is deleted from the canceled transfer transaction DB 17 (s118).

  In this way, the user notices that he / she has made an incorrect transfer transaction, and the transfer transaction that made the above-mentioned request for cancellation to the payee is confirmed and canceled by the payee. You can easily check whether or not.

  In addition, with regard to the cancellation request acceptance transaction information stored in the cancellation request acceptance transaction DB 16, similarly to the confirmation of the transfer transaction information stored in the above-described transfer transaction information DB 15 at the ATM 2, using a cash card, You may comprise so that the user who performed the cancellation request | requirement can confirm. If you do this, you will notice that you have made an incorrect transfer request and tell the user whether or not the transfer transaction has been notified to the transferee who made the above-mentioned cancellation request to the transferee. Can be recognized.

  Further, in the account management apparatus 1, the cancellation request reception transaction information stored in the cancellation request reception transaction DB 16 includes a certain period (for example, one month) from the cancellation request date and time, and a notification to the payee. The cancel request acceptance transaction information that is not performed may be output from the input / output I / F unit 13 to the operator terminal. In this way, even when the account of the payee who has made the wrong transfer transaction is hardly used, the operator can be contacted by telephone or the like.

It is a figure which shows the structure of a transaction processing system. It is a block diagram which shows the structure of the principal part of an account management apparatus. It is a figure which shows account management information. It is a figure which shows transfer transaction information. It is a figure which shows cancellation request reception transaction information. It is a figure which shows canceled transfer transaction information. It is a figure which shows the structure of the principal part of ATM. It is a flowchart which shows operation | movement of ATM in a transfer transaction. It is a flowchart which shows operation | movement of the account management apparatus in transfer transaction. It is a flowchart which shows the cancellation request reception process of ATM. It is a flowchart which shows the cancellation request reception process of ATM. It is a flowchart which shows the confirmation notification process of an account management apparatus. It is a flowchart which shows the cancellation request reception process of an account management apparatus. It is a figure which shows the example of a display screen in the display part of ATM. It is a figure which shows the example of a display screen in the display part of ATM. It is a figure which shows the example of a display screen in the display part of ATM. It is a figure which shows the example of a display screen in the display part of ATM. It is a flowchart which shows the notification process of ATM. It is a flowchart which shows the notification process of ATM. It is a flowchart which shows the notification process of an account management apparatus. It is a figure which shows the example of a display screen in the display part of ATM. It is a figure which shows the example of a display screen in the display part of ATM. It is a flowchart which shows the cancellation process of an account management apparatus. It is a flowchart which shows another notification process of an account management apparatus.

Explanation of symbols

1-Account management device 2-ATM
11-control unit 12-communication unit 13-input / output interface unit (input / output I / F)
14-Account Management Database (Account Management DB)
15-Transfer Transaction History Database (Transfer Transaction History DB)
16-Cancellation request acceptance transaction database (cancellation request acceptance transaction DB)
17-Canceled Transfer Transaction Database (Cancelled Transfer Transaction DB)

Claims (5)

In an account management device that manages accounts opened in financial institutions,
A transfer transaction processing means for processing a transfer transaction based on the request when a transfer transaction in which a transfer amount and a transfer destination account are specified is requested;
A transfer transaction history storage means for storing a history of transfer transactions processed by the transfer transaction processing means;
A cancellation request receiving means for receiving a cancellation request for a transfer transaction stored as a history by the transfer transaction history storage means;
Cancellation request reception transaction storage means for storing the transfer transaction for which the cancellation request reception means has received the cancellation request;
When a transaction for a transfer destination account of a transfer transaction for which a cancellation request is received, which is stored in the cancellation request reception transaction storage means, is output, the details of the transfer transaction for which cancellation is requested for the account are output. Cancel confirmation requesting means for requesting confirmation of whether or not to cancel the transfer transaction,
An account management apparatus comprising: a transfer transaction canceling unit that processes a transfer transaction with the transfer destination account as a transfer source account for a transfer transaction confirmed to be canceled by the cancel check requesting unit.   If the transfer transaction cancellation means is an inter-account transfer transaction, the transfer transaction cancellation means is a means for processing a transfer transaction in which the transfer source account in the transfer transaction confirmed to be canceled by the cancellation confirmation request means is a transfer destination account. Item 3. The account management device according to Item 1.   The account according to claim 1, further comprising: a canceled transfer transaction deleting unit that deletes a transfer transaction that has been accepted for a cancellation request from the cancellation request transaction storage unit, according to the transfer transaction processed by the transfer transaction canceling unit. Management device. Canceled transfer transaction storage means for storing the transfer transaction processed by the transfer transaction cancellation means;
When the transaction for the transfer destination account of the transfer transaction, which is stored in the canceled transfer transaction storage unit, is requested, a transfer transaction cancellation notification unit for outputting the content of the transfer transaction for the account, and
The account management apparatus according to claim 3, further comprising: a cancellation-notified transfer transaction deletion unit that deletes the transfer transaction notified by the transfer transaction cancellation notification unit from the canceled transfer transaction storage unit. In a transaction processing system having an account management device for managing an account opened in a financial institution, and a transaction terminal connected to the account management device so that data communication is possible,
The account management device
A transfer transaction processing means for processing a transfer transaction based on the request when a transfer transaction in which a transfer amount and a transfer destination account are specified is requested from an arbitrary transaction terminal connected so as to be capable of data communication;
A transfer transaction history storage means for storing a history of transfer transactions processed by the transfer transaction processing means;
From any transaction terminal that is connected so that data communication is possible, a cancellation request reception unit that receives a transfer transaction cancellation request stored as a history by the transfer transaction history storage unit,
Cancellation request reception transaction storage means for storing the transfer transaction for which the cancellation request reception means has received the cancellation request;
When a transaction with respect to a transfer destination account of a transfer transaction in which a cancellation request is received, which is stored in the cancellation request reception transaction storage means, is requested from an arbitrary transaction terminal connected so that data communication is possible, A cancellation confirmation requesting means for outputting the contents of the transfer transaction requested to be canceled and requesting confirmation of whether or not to cancel the transfer transaction;
About the transfer transaction confirmed to be canceled by the cancellation confirmation requesting unit, a transfer transaction canceling unit that processes the transfer transaction with the transfer destination account as the transfer source account, and
Transaction processing system.

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