JP2012150763A - Account balance management system and method for managing account balance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mechanism for alarming a user about a short of the account balance by taking account of an estimated amount to be charged to a credit card.SOLUTION: A bank system in which a host computer of a bank is connectable to a host computer of a credit company includes: means for recording information of a credit card with a bank account set as a direct debit account; means for acquiring an estimated amount to be charged to the credit card based on the credit card information; and means for receiving the account balance and the estimated amount to be charged to the credit card. The account balance management system compares the balance of the bank account, the estimated amount to be charged to the credit card, and a requested disbursement, determines whether the account balance is sufficient or not and, when the account balance is insufficient, displays an alarm while the user performs a payment operation if it is within a predetermined alarm display period.

Description

  The present invention relates to an account balance management system and an account balance management method, and more particularly to an account balance management system and an account balance management method for managing an account balance and a credit card withdrawal scheduled amount.

  Conventionally, many systems and methods for managing the account balance of a depositor in a transaction financial institution such as a bank have been proposed. For example, in Patent Document 1, the withdrawal possible amount is set based on the difference between the account balance and the future transfer amount / withdrawal amount (scheduled account transfer amount and scheduled withdrawal amount). An automatic transaction system for preventing withdrawal and transfer transaction processing is described.

  In Patent Document 2, it is determined whether the account balance of a deposit account is below a predetermined minimum reference amount for the account, and if it is determined that the account balance is below, the address of the account depositor is acquired. In addition, a balance information notification service method for notifying the destination of the determination result is described. Further, Patent Document 3 describes an account balance management system that, when a shortage occurs in an account balance, sends a customer an e-mail message to perform balance replenishment.

JP 2000-3470 A JP 2003-162632 A JP 2006-40042 A

  However, according to the method of Patent Document 1, in order to obtain the amount of money that can be withdrawn, information on the scheduled transfer amount and withdrawal amount as well as the time-series income information of the depositor on a monthly basis is provided to the bank. Since they are collected, there is a sense of resistance for depositors, and since the judgment is based on the average amount of past income, there is a problem that transactions are limited even if an increase in income or temporary income is expected. Further, in the method of Patent Document 2, since the depositor is notified by e-mail or the like only when the amount falls below the minimum reference amount, if the withdrawal date is approaching, there is a time allowance for replenishing the balance. It is possible that there is no. Further, there is no means to prevent a depositor who has overlooked an e-mail or a family with a family card from withdrawing or transferring cash at an ATM. This is basically the same as in the system of Patent Document 3 as long as the customer is notified by e-mail. The above document suggests notification by telephone or fax in addition to e-mail, but it is actually difficult for the bank to do this for all depositors because of the labor and cost.

  In recent years, payment by credit card has increased significantly in order to obtain benefits such as points. For this reason, users now have many credit cards and the withdrawal date of each credit card varies, so the user needs to check the statement sent from the credit company one by one. . For this reason, there is an increasing risk that the user will not be able to manage the withdrawal date and the scheduled withdrawal amount of many credit cards, and the account balance at the withdrawal destination will be insufficient.

  In view of the above-described problems, an object of the present invention is to provide a mechanism that reflects the estimated withdrawal amount of a credit card and notifies a user without relying on an e-mail if there is a shortage of account balance.

The account balance management system of the present invention has the following features.
An account balance management system configured to connect an automatic transaction apparatus, a bank host computer, and a credit company host computer to manage an account balance of the bank deposit account, wherein the bank host computer includes: A means for debiting the deposit account and recording information on a credit card set in the account, and obtaining a credit card scheduled debit amount from a host computer of the credit company based on the credit card information The automatic transaction apparatus reads a user's cash card, sends an account number recorded on the cash card to the bank's host computer, from the bank's host computer, Means for receiving the credit card withdrawal scheduled amount Means for comparing the account balance, the expected withdrawal amount of the credit card, and a withdrawal request amount that the user intends to perform in the automatic transaction apparatus, and determining whether or not the account balance is insufficient; When the means for determining determines that the account balance is insufficient, when the user withdraws the withdrawal request amount in the automatic transaction apparatus, a predetermined warning display period, An account balance management system comprising: means for displaying a warning on an automatic transaction apparatus.

  According to the above invention, when a user puts a cash card into a bank automatic transaction device (ATM), the ATM reads the account number and inquires the host computer, and withdraws the account and sets it as an account. Receive credit card information. In this system, the bank's host computer is also connected to the credit company's host computer, so the account can be debited and all the credit cards scheduled for debiting can be obtained. it can. The ATM side compares the account balance, the estimated credit card withdrawal amount, and the withdrawal request amount at the ATM. If it is determined that the account balance will soon be short, A warning is displayed to indicate that there is a shortage. The warning display is performed during a predetermined warning display period. By doing so, a warning is displayed on the ATM when the user is about to perform a withdrawal operation, so there is no oversight compared to the notification by e-mail. Also, unnecessary warnings can be reduced by providing a warning display period.

The account balance management system may further include the following features.
The warning display period is a warning displayable period from a closing date of the credit card to a withdrawal date.

  According to the above invention, the warning is displayed during the warning displayable period, which is the period from the credit card closing date to the withdrawal date. During this period, since the credit card withdrawal amount is fixed, it is possible to accurately determine the shortage of the account balance.

The account balance management system may further include the following features.
The warning display period is a period in which a user-specified period set by the user overlaps with the warning displayable period.

  According to the above invention, the user can superimpose the user-specified period specified by the user at the warning displayable time. For example, by setting the user designated period to a few days after the salary date, the system displays a warning only during a period in which a shortage of balance is likely to occur, and the user can pay particular attention to that period.

The account balance management system may further include the following features.
The warning display period is a period in which, when there are a plurality of credit cards, a period in which the warning display period of each credit card overlaps and a period specified by the user overlap.

  According to the above invention, even if there are a plurality of credit cards, the warning display period is the period in which the warning display period of each credit card overlaps with the user-specified period. Warnings can be displayed only during the period when all are confirmed.

The account balance management system may further include the following features.
When there are a plurality of credit cards, credit cards with the same credit card closing date and withdrawal date are handled as one group.

  According to the above invention, when there are a plurality of credit cards, credit cards having the same credit card closing date and withdrawal date are handled together as one group, so that the warning display period can be easily set and the warning display can be performed. It can be displayed easily.

Each of the account balance management systems can further include the following features.
The determining means adds at least one account transfer scheduled amount of public charges, mortgages, taxes, pensions, and insurance premiums to the determination condition.

  According to the above invention, when the account balance shortage is determined, not only the credit card withdrawal scheduled amount but also the account transfer scheduled amount such as a utility bill is added to the determination condition, so the determination of the balance shortage becomes more accurate.

The account balance management system can also be realized in the following net banking.
An account balance management system configured to connect a user terminal of a user to a host computer of a bank and a host computer of a credit company, and manages an account balance of the user's deposit account, the bank host The computer debits the deposit account and records information on the credit card set in the account, and the credit card debit amount from the credit company host computer based on the credit card information The user's account balance, the credit card withdrawal scheduled amount, and the withdrawal request amount that the user intends to make at the user terminal, and the account balance is insufficient. The means for determining whether or not the means for determining determines that the account balance is insufficient. When the user to withdraw the withdrawal request amount at the user terminal, if the warning period predetermined, characterized in that it comprises, means for displaying a warning to the user terminal.

  According to the above invention, the means for recording all the credit card information for which the bank account of the user has been withdrawn, the means for receiving the estimated withdrawal amount of those credit cards, the account balance and the withdrawal request amount And a means for displaying a warning to the user terminal when the account balance is insufficient is provided not on the ATM side but on the host computer side of the bank. In this way, when the user makes a withdrawal (transfer operation) from the user terminal by net banking, a warning is displayed before the transfer operation if the account balance is insufficient. By doing so, since a warning is displayed when the user performs a withdrawal operation in the net banking, there is no risk of forgetting that the account balance is insufficient.

Further, the present invention can be understood as the following account balance management method in the bank system, and the same operations and effects as the invention of the account balance management system can be obtained.
A step of recording information on a credit card set in an account by debiting a user's savings account in a banking system configured such that an automatic transaction apparatus can be connected to a bank host computer and a credit company host computer. And obtaining a credit card debit amount from a host computer of the credit company based on the credit card information, reading the user's cash card, and storing the account number recorded on the cash card Transmitting to the bank's host computer and receiving from the bank's host computer an account balance and an expected credit card withdrawal amount; the account balance; and an expected credit card withdrawal amount; The user in the automatic transaction device The user determines whether the account balance is insufficient and the step of determining whether the account balance is insufficient in the step of determining whether the account balance is insufficient. And a step of displaying a warning on the automatic transaction apparatus during a predetermined warning display period when withdrawing the withdrawal request amount in the transaction apparatus.

  ADVANTAGE OF THE INVENTION According to this invention, when a user withdraws from an account without relying on an e-mail, the user can be notified of an account balance shortage warning reflecting the planned withdrawal amount of a credit card.

It is a figure showing the outline of bank system 1 concerning the embodiment of the present invention. It is a figure which shows the account management table which concerns on embodiment of this invention. It is a figure in which the bank system 1 concerning the embodiment of the present invention shows exchange with ATM. It is a figure which shows the relationship between the closing date and withdrawal date of a credit card which concerns on embodiment of this invention, and a warning display period. It is a figure which shows the relationship between the closing date and withdrawal date of several credit cards which concern on embodiment of this invention, and a warning display period. It is a flowchart which shows the drawer process in ATM which concerns on embodiment of this invention. It is a continuation flowchart which shows the drawer process in ATM which concerns on embodiment of this invention. It is a figure which shows the account balance inquiry screen of ATM which concerns on embodiment of this invention. It is a figure which shows the drawer warning screen of ATM which concerns on embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

  FIG. 1 is a diagram showing an outline of a bank system 1 according to an embodiment of the present invention. In the banking system 1, an ATM (Automated Teller Machine) 10 installed in each store or convenience store of a financial institution establishes a network between the banking host system 20 and the credit company hosting system 30. Connected through. In addition, a user terminal 40 of a user who performs net banking is connected to the system via the Internet. Although not shown here, between the ATM 10, the bank host system 20 and the credit company host system 30, there is an ATM control device (ATM management device) for mediating each ATM and the host system. Between the user terminal 40 and the bank host system 20 and the credit company host system 30, a communication control device for network communication and a Web server for accessing the financial institution system from the user terminal through the Internet exist.

  The bank host system 20 is composed of a plurality of computer systems such as an account system and a business processing system centered on a general-purpose host computer, and stores an account management DB 22 that is a database for managing account information of depositors and daily transaction transactions. An account transaction DB 23 for processing is provided. Similarly, the credit company host system 30 is a computer system including a credit card DB 32 for recording depositor's credit card information and daily transaction information, with a general-purpose host computer as the center. The bank host system 20 is directly or indirectly connected to the credit company host system 30 and includes means for obtaining a credit card scheduled debit amount. When the bank also serves as a credit card company, the bank host system 20 and the credit company host system 30 may be integrated, but in the following description, both are treated as separate systems.

  The ATM 10 is a processing unit that performs data processing, and is linked to the bank host system 20 to instruct the mechanism unit to deposit / withdraw cash, an account inquiry unit 13 to query the bank host system 20 for an account balance, a credit card A credit card inquiring section 14 that functions as a means for receiving information such as a debit amount of the credit card to the credit company host system 30 and receiving a scheduled debit amount of the credit card, and a function for displaying a warning when there is a shortage of the account balance And a warning management unit 12 having a function capable of setting a warning display period, and another processing unit 15 for performing other data processing. Further, the ATM 10 includes a bill handling unit 16A, a coin handling unit 16B, an operation unit 17 for accepting input from the user, a display unit 18 for displaying an operation menu and a guide to the user, a cash as a mechanism unit for controlling the operation device. A card reading unit 19A for reading a card and a credit card, a passbook printing unit 19B for printing a passbook, a speaker 19C for performing voice guidance, a device for printing a description, a biometric authentication device (not shown), and the like are provided. .

  When a user makes withdrawals, transfers, or balance inquiries using the ATM 10 having such a function unit, the user displays not only the bank cash card but also the planned withdrawal amount of the credit card withdrawn from the same account. be able to. At this time, one or more credit cards may be used. If it is a credit card-integrated cash card, the information of the cash card and the credit card can be automatically read once. However, at present, since many card readers are compatible only with conventional magnetic stripes, magnetic stripes are also mounted on the cards. For this reason, in card readers that do not support IC cards, the card insertion direction must be switched between when using as a credit card and when using as a cash card. If the built-in IC card is supported, there is no need to insert the card again.

  The warning management unit 12 obtains the account balance of the depositor and the scheduled withdrawal amount of the credit card withdrawn from the account from the account inquiry unit 13 and the credit card inquiry unit 14 and displays them on the display unit 18. Then, when the user tries to withdraw cash or make a transfer from the account at the ATM 10, if the withdrawal or transfer is executed, the account balance may be insufficient with respect to the expected credit card withdrawal amount, or there is a fear of that. If there is a warning display period before the withdrawal investigation, a warning is displayed on the display unit 18. Of course, even if the user operation is only for balance inquiry, the account balance and the credit card debit amount may be displayed simultaneously. The warning display period can be set by the user between the credit card closing date and the withdrawal date, as will be described in detail later.

The functional configuration of the ATM 10 described above is merely an example, so that one functional unit is further divided, a plurality of functional units are combined into one functional unit, or some functions are performed on the bank host system 20 side. It may be configured. For example, a part of the process of the warning management unit 12, such as an account balance determination process, may be performed on the ATM management server (not shown) side. Each functional unit has a CPU (Central Processing Unit) built in the device and an internal memory (RAM: Random
This is realized by reading out and executing a computer program stored in an Access Memory, ROM (Read Only Memory) or a storage device.

  FIG. 2 is a diagram showing an account management table according to the embodiment of the present invention. The account management table includes, for each depositor's account, a basic information 101 such as an account number and an address name of an account holder, and credit card information 102 with which the account has been debited and set as an account. It is a table collected for each. In other words, the account management table functions as a means for recording information of a credit card withdrawn from a deposit account and set as an account. A credit card group is a group of credit cards with the same closing date and withdrawal date. The account management table includes warning management information 103 described later. Further, one or more stored account transfer information 104 can be included for payments by account transfer such as public charges, mortgages, taxes, pensions, insurance premiums, etc., for which transfer dates are determined. In this case, the bank transfer amount and transfer date are automatically set by the banking system by the depositor or by the banking system, which is linked to the payee's system. It is desirable that it can be set. By carrying out like this, the payment amount by periodic account transfer can also be added to the judgment conditions whether an account balance runs short. However, if the account transfer amount is not constant and the system cannot obtain the account transfer amount in advance, as in the case of utility bills, the user will set an approximate amount or maximum expected amount. Since the account balance determination is also approximate, the insufficient balance warning is not finalized but is “fear of insufficient account balance”. The account management table is typically stored in the account management DB 22 of the bank host system 20 in FIG. 1, but may be stored in another database such as a depositor management server in the bank system.

  FIG. 2 shows, as an example, an account management table of a depositor who has a main house in Tokyo and another house in Osaka, and has two corresponding accounts in the same bank. One account is mainly for home use, credit card number ZZZZ-ZZZZ-ZZZZ-ZZZZ (credit card Z) is debited, used for account transfers of home bills, mortgage repayment, etc. Is mainly for separate homes, used to withdraw credit card numbers XXXX-XXXX-XXXX-XXXX (credit card X) and YYYY-YYYY-YYYY-YYYY (credit card Y), and to transfer accounts for public charges at other homes Suppose that

  For credit cards, a closing date and a withdrawal date are determined for each credit card company. In the account management table, credit cards having the same closing date and withdrawal date are handled as one group as described above. For example, in this figure, credit card Z and credit card X have a closing date of 15th of each month and the same date is 10th of the following month, so they are treated as group A, and credit card Y has a closing date of the last day of each month. Since it is the 25th of the following month, it will be handled as Group B. By the way, of the 25 credit card companies currently, the closing date is 15th of every month, the 10th is the 10th of the following month, the closing date is the end of every month, the 7th is the 27th of the following month, and the closing date is 5 every month. There are 4 companies on the 27th of the current month (including one company that can be set by yourself) and 4 other companies, and credit cards can be divided into several groups according to the closing date and the withdrawal date. it can.

  FIG. 3 is a diagram showing an exchange between an ATM and a credit card company (hereinafter referred to as a card company) by the bank system 1 (hereinafter simply referred to as a bank system) according to an embodiment of the present invention. First, when the user tries to withdraw from the ATM and selects “withdrawal” from the transaction menu, the ATM prompts the user to insert a cash card (step S10). If the cash card can be read normally, it is requested to input a personal identification number, and the cash card reading information is transmitted to the bank system (step S11). Here, the cash card reading information means an account number and a personal identification number. The bank system authenticates the cash card based on the sent cash card reading information, and if it is OK, returns the account balance to the ATM (step S12).

  Next, when the user wants to know the estimated credit card withdrawal amount, the user subsequently presses a “credit card information inquiry” button from the ATM menu screen. If it is a credit card integrated cash card, there is no need to press this button. When the ATM selects the credit card information inquiry, the ATM sends an inquiry request to the bank system (step S13). The bank system, based on the account management table, stores information on all credit cards that have been debited as accounts. It transmits to ATM (step S14). If there is no credit card information related to the account (designated as a withdrawal account), that fact is displayed and only the account balance is displayed. If there is at least one piece of related credit card information, a request for inserting a credit card is displayed (step S15). If it is a credit card integrated cash card, the card is once ejected and inserted in the reverse direction. However, in the case of an ATM corresponding to an IC card, the operations so far (from step S11 to step S16) can be completed in one step.

  When the ATM can read the credit card reading information (credit card number and expiration date) normally, the ATM transmits the credit card reading information to the card company system (step S16). In practice, ATM does not communicate directly with the card company system, but the ATM and card company system are indirectly communicated via the ATM controller or bank host computer. In the card company system, the credit card is authenticated from the credit card reading information (step S17). Note that the credit card PIN is not particularly required because the credit card is not used for payment, but it may be input in order to increase the accuracy of personal authentication. In addition, in this ATM, it is possible to inquire only about the credit card withdrawal scheduled amount. In this case, it is preferable to input the credit card PIN.

  If the credit card authentication is normal, the ATM transmits a credit debit scheduled amount inquiry to the card company system (step S18). Here, step S16 and step S18 may be combined into one step and transmitted to the card company system. In the card company system, when the inquiry request is accepted, the credit debit scheduled amount is returned (step S19). If the credit card authentication is not normal, the credit card is not set to be withdrawn from this account, or it may have expired. In this case, a confirmation message may be displayed to the user. Good.

  Note that there may be a plurality of credit cards, and in this case, the operations in steps S13 to S19 are repeated. When there are a plurality of credit cards, it is possible to insert only a representative (frequently used) credit card without inserting all the cards into the ATM. In the credit card integrated type, the integrated credit card is naturally a representative. In the banking system, it is not necessary to ask for the insertion of a credit card because the account is debited and the information of all the credit cards specified as the account is grasped. Increased accuracy. Another reason is to periodically confirm that at least one valid credit card is held.

  As the next step, the ATM prompts the user to input the cash withdrawal request amount (step S20). Of course, the cash withdrawal request amount may be input when entering the password after inserting the cash card. At ATM, when the account balance, the credit card withdrawal amount, and the cash withdrawal request amount (withdrawal request amount) that the user intends to withdraw, the sum of the withdrawal request amount and the credit card withdrawal amount is It is checked whether or not the account balance is smaller (step S21). That is, the warning management unit 12 has a means for comparing the account balance, the expected credit card withdrawal amount, and the withdrawal request amount to determine whether the account balance is insufficient. Of course, the remaining amount obtained by subtracting the planned credit card withdrawal amount from the account balance may be displayed as the possible withdrawal amount. When the account balance is insufficient, the warning display period is inquired (step S23), the warning period set by the bank system is returned (step S23), and if it is within the warning display period, the warning is displayed on the ATM display. Display (step S24). The warning display period will be described in detail later.

  In the above example, the scene in which the user withdraws cash by ATM has been shown, but the basic flow is the same even when transferring from an account by ATM. In addition, when only the account balance is referred to by ATM, in addition to the account balance, a scheduled withdrawal amount of all inserted credit cards may be displayed, and an amount that can be withdrawn at the present time may be displayed.

  As described above, in this system, a warning is displayed immediately before the user tries to withdraw cash from the ATM or immediately before the transfer is made from the account. By doing this, there is no worry of overlooking compared to the case where the user is notified in advance by e-mail or the like, and the user does not receive the e-mail notification, for example, a family card, the user uses a cash card. Even when the ATM is operated, the shortage of balance can be surely notified. Note that the above warnings are the same functions as the ATM (means for recording the usage information of the credit card from which the account is debited, means for receiving the expected debit amount of each credit card, lack of account balance) A means for determining, a means for setting a warning period, and a means for displaying a warning on the user terminal) are provided on the host computer side of the bank, so that they can also be displayed at the time of transfer in net banking. In that case, it is not necessary to read the credit card, the bank system withdraws the account, displays the information of all the credit cards that are accounted for by referring to the account management table, and the estimated withdrawal amount of each credit card Can be issued to the card company system and presented to the user to issue a similar warning if the account balance is insufficient.

  FIG. 4 is a diagram showing a relationship between a credit card closing date / withdrawal date and a warning display period according to the embodiment of the present invention. Here, when the closing date of one or a group of credit cards is 15th of every month and the withdrawal date is 10th of the following month, and the payer's payday is 25th, the due date and warning are given to them. The relationship with the display period is shown in time series.

  Here, the warning display period is a period set by the user or recommended by the system and having a high probability of a shortage of balance, and is a period in which the warning is particularly desired. Of course, the system may always display a warning when a shortage of balance is detected, but the accuracy of the account balance outside the warning display period may be reduced, and disabling attention by always displaying it. Some users feel that it is troublesome to always give a warning. In this system, a warning display period is provided as a condition for displaying a warning on an ATM or the like. Also, according to the user's specification, only the normal account balance may be displayed outside the warning display period, and the balance display may be performed with the credit card withdrawal scheduled amount added during the warning display period. Outside the period and the warning display period, the size and color of the displayed character may be changed. By doing so, it is possible to alert the user of excessive use including a credit card in a timely and sharp manner.

  As shown in the example of FIG. 4, the period from the credit card closing date to the withdrawal date is referred to as a warning possible display time. Since the scheduled withdrawal amount of the credit card is undecided outside the warning display period, the final amount of the scheduled withdrawal of the credit card cannot be obtained in the first place (a card that always shows the current withdrawal amount to the user) There are companies, too). This warning display period may be used as the warning display period as it is. However, since a general office worker has a strong tendency to shop immediately after the salary day, in FIG. 4, the warning display period and a predetermined period after the salary day ( In this example, it is shown that a period (from the 25th to the 10th of the following month) overlapping with 15 days is set as the warning display period. The predetermined period in this case is set by the user, but the system may present a period recommended to the user from the past history.

  FIG. 5 is a diagram showing the relationship between the closing date / withdrawal date of a plurality of credit cards and a warning display period according to the embodiment of the present invention. This figure shows the relationship between the warning possible display time and the warning display period when there are two credit cards or two groups.

  The closing date of credit group A is 15th of every month, and the withdrawal date is 10th of the following month, which is the same as in the previous figure. If credit card group B, which is deducted on the 27th of the month and the next day of the following month, is added here, the warning display for credit group A is from 15th to the 10th of the following month. The period is from the 27th to the 25th of the following month. Therefore, there are two overlapping periods, from the 27th of every month to the 10th of the following month (indicated by reference numeral 202) and from the 15th of every month to the 25th of the current month (indicated by reference numeral 203). If the predetermined period (referred to as the user-specified period or user-specified period) after the salary date determined by the user is from the 25th to the 10th of the following month (indicated by reference numeral 204), the periods 202, 203, and 204 all overlap. The period coincides with the warning display period 202. Therefore, in this example, the final warning display period is set from 27th to 10th. Of course, the final warning display period can be changed by the user's setting. Similarly, even when there are three or more credit card groups, the overlap period between the warning possible display periods and the user specified period is set as the final warning display period. When there is no overlapping period, priority is given to the user-specified period. In this way, the most reasonable warning display period can be determined. Of course, the warning display period may not be one. The confirmation of the warning display period and the setting of the user predetermined period by the user are realized by displaying the “warning display period setting screen” on the user terminal 40 or the ATM 10. At this time, since the closing date and withdrawal date of each credit card are managed by the system, there are few user input points. At this time, it is more preferable to visually display each period as shown in FIGS.

  FIG. 6 and FIG. 7 are flowcharts showing the withdrawal process in the ATM according to the embodiment of the present invention. 6 and 7 are continuous flowcharts showing the internal operation of the ATM 10, and the details of each step will be described below. In FIG. 6, the connection symbols A, B, and C have entry points in FIG. 6, and C, D, and E have entry points in FIG.

  When the user selects cash withdrawal from the ATM 10 menu, the ATM 10 card reading unit 19A waits for the insertion of the cash card to be completed in step S30. When the insertion is completed, the user is requested to input a personal identification number (step S31). When the personal identification number is input, the account inquiry unit 13 inquires of the bank's host computer about the cash card (step S32), and when the host computer notifies the authentication OK (step S33; Yes), the user Asks for confirmation of the withdrawal amount (steps S36 and S37). In step S32, in the case of authentication NG, re-input may be requested up to a predetermined number of times (step S34). In the case of authentication NG, the code number error is displayed and the process is terminated (step S35).

  When the authentication of the cash card is completed, the account inquiry unit 13 inquires of the host computer about the account balance and the account management table (step S38). Referring to the account management table, it is checked whether or not there is a credit card that is set to debit the account. If there is no debit card (step S39; No), that is, set to debit from this account. If no credit card exists, the process proceeds to step S39A in FIG. 7 to determine whether the account balance is insufficient. If the balance is not insufficient, the deposit / withdrawal instruction unit 11 issues a cash withdrawal permission. If the balance is insufficient (step S39A; Yes), a message to that effect is displayed to the user, and the process ends.

  In step S39, if there is a withdrawal card (step S39; Yes), the warning management unit 12 further checks whether or not the warning management time is displayed in the account management table. If the current date is not a warning display time (step S40; No), the next credit card group is checked. Repeat for all credit card groups. When the current date is the warning possible display time (step S40; Yes), the process proceeds to step S41 in FIG.

  In step S41 of FIG. 7, the credit card number is inquired to the card company system. If the authentication is NG, an authentication error message is displayed in step S43, and the process returns to the next credit card check. If the authentication is OK (step S42; Yes), the process proceeds to step S44, and it is checked whether or not there is a confirmed withdrawal amount. If the withdrawal is confirmed, it is further checked whether it is within the warning display period. If it is within the warning display period (step S45; Yes), the credit card withdrawal is displayed in the scheduled withdrawal amount column displayed in the warning message. A scheduled drop amount is added (step S46). Both steps (SS45, S46) are withdrawn and repeated until there is no confirmed credit card (step S47). In step S45, if it is not within the warning display period (step S45; No), it is checked again whether there is any other withdrawal card (step S49). If there is any other withdrawal card, the process proceeds to step S40 in FIG. To return.

  When the warning management unit 12 examines all the debit confirmation cards, the total deduction amount is summed and subtracted from the account balance. Then, the withdrawal request amount input by the user is compared with the account balance, and if the balance is insufficient (step S48; Yes), in step S50, a warning message is displayed on the display unit 18 to ask the user for a final decision. If the user who received the warning still presses the execution button (step S51; Yes), the cash withdrawal process is performed (step S52), and the process ends. However, in that case, the fact is indicated on the display screen and the transaction statement, and the user is warned again that there is a possibility that the balance will be insufficient on the date indicated there (the withdrawal date). If the execute button has not been pressed, the process returns to step S36 in FIG. 6 to request correction of the withdrawal request amount.

  As mentioned above, the process after step S40 is an example of the procedure of operation | movement of the warning management part 12, and is not limited to this. Further, for simplification, the above-described processing of the user specified period is not considered. However, if the overlapping period of the user specified period and the warning display period is considered as the final warning display period, the same processing can be performed. In the above steps, all credit cards in the account management table are examined in order and it is determined whether or not a warning should be displayed each time. The processing procedure may be changed so that all are written in the area, and finally a warning is displayed if the current date is within the final warning display period. Also, even if the current date is not within the warning display period, the warning itself is displayed, but the display method is changed to a character size different from that within the warning display period or the display color is changed so that the user is aware. Also good.

  FIG. 8 is a view showing an ATM account balance inquiry screen according to the embodiment of the present invention. As described above, when the user makes an account balance inquiry at the ATM 10, in addition to the account balance, all scheduled withdrawal amounts from today (June 25) to the most recent credit card withdrawal date are displayed. In this figure, the account balance is 250,000 yen, and the planned amount to be withdrawn on July 10 (may include an unconfirmed amount or an estimated amount, but in that case it will indicate that it is an unconfirmed amount) Since the total is 19.2 million yen, the remaining 58,000 yen is the amount that can be withdrawn at the present time. In FIG. 8, June 15 is the closing date, credit card A scheduled to be withdrawn on July 10, and June 10 is the closing date, and credit card B that has already been withdrawn today is displayed as a separate group. ing. Furthermore, as shown in the figure, a scheduled amount of account transfer such as an electricity bill may be displayed. Further, even a credit card whose deadline has not passed may be displayed if the current usage amount can be tentatively inquired. By doing in this way, the user can confirm the usage status of the credit card at a time without always collecting the details of the credit card.

  FIG. 9 is a view showing an ATM withdrawal warning screen according to the embodiment of the present invention. When the user operates cash withdrawal or transfer at the ATM 10, a message as shown in the figure is displayed. That is, in addition to the account balance, withdrawal amount (transfer amount) and fee (not shown), all the scheduled withdrawal amounts from today to the most recent credit card withdrawal date are displayed. In the case of this example, the account balance is 250,000 yen, the cash withdrawal request amount is 100,000 yen, the credit card withdrawal estimated amount is 100,000 yen + 80,000 yen, and the amount of the next account transfer is due to public charges etc. The fixed amount is 12,000 yen, and the total and contents are displayed. Of course, an account transfer amount such as a mortgage may also be displayed. In this example, if 100,000 yen is withdrawn, a shortage of 48,000 yen will occur by July 10. Still, when the user presses the execute button, cash is withdrawn itself, but a message to that effect is warned again and printed on the transaction statement. Here, when the user presses the cancel button, the withdrawal amount input screen can be displayed again, and the withdrawal amount can be corrected.

  In the embodiment of the present invention, it is assumed that the screens of FIGS. 8 and 9 are displayed on the display unit 18 of the ATM 10. However, even when the user performs transfer by Internet banking, the screen is displayed on the user terminal 40. A similar warning screen can be displayed. In particular, in the case of a credit card-integrated credit card, the bank system may be linked with the credit card system so that processing can be performed so that the user can change to revolving payment immediately upon receiving a warning display.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10 ATM
DESCRIPTION OF SYMBOLS 11 Deposit instruction part 12 Warning management part 13 Account inquiry part 14 Credit card inquiry part 15 Other processing part 16A Banknote handling part 16B Coin handling part 17 Operation part 18 Display part 19A Card reading part 19B Passbook printing part 19C Speaker 20 Bank host system 21 Bank host computer 30 Credit company host system 31 Credit company host computer 40 User terminal

Claims (8)

An account balance management system configured to connect an automatic transaction apparatus to a host computer of a bank and a host computer of a credit company, and manages an account balance of the bank deposit account,
The bank's host computer is
Means for debiting the deposit account and recording credit card information set in the account;
Means for obtaining an estimated amount of withdrawal of the credit card from a host computer of the credit company based on the information of the credit card;
The automatic transaction apparatus is
The user's cash card is read, the account number recorded on the cash card is transmitted to the bank host computer, and the account balance and the credit card debit amount are received from the bank host computer. Means,
Means for comparing whether the account balance is insufficient by comparing the account balance, the expected withdrawal amount of the credit card, and a withdrawal request amount that the user intends to perform in the automatic transaction apparatus;
When the determination means determines that the account balance is insufficient, the automatic payment apparatus allows the automatic transaction apparatus to withdraw the withdrawal request amount and, if the warning display period is a predetermined period, the automatic Means for displaying a warning on the transaction device;
An account balance management system comprising:   The account balance management system according to claim 1, wherein the warning display period is a warning displayable period that is a period from a closing date of the credit card to a withdrawal date.   3. The account balance management system according to claim 2, wherein the warning display period is a period in which a user-specified period set by the user overlaps with the warning displayable period.   4. The warning display period is a period in which, when there are a plurality of credit cards, a period in which the warning display period of each credit card overlaps and a period specified by the user overlap. Account balance management system described in.   5. The account balance management system according to claim 4, wherein when there are a plurality of credit cards, credit cards having the same credit card closing date and withdrawal date are handled as one group.   The account balance according to any one of claims 1 to 5, wherein the determining means adds at least one account transfer scheduled amount of public charges, mortgages, taxes, pensions, and insurance premiums to the determination condition. Management system. An account balance management system configured to connect a user terminal of a user to a host computer of a bank and a host computer of a credit company, and manages an account balance of the user's deposit account,
The bank's host computer is
Means for debiting the deposit account and recording credit card information set in the account;
Means for obtaining an estimated amount of withdrawal of the credit card from a host computer of the credit company based on the credit card information;
Means for comparing whether or not the account balance is insufficient by comparing the account balance of the user, the expected withdrawal amount of the credit card, and a withdrawal request amount that the user intends to perform at the user terminal When,
When the means for determining determines that the account balance is insufficient, the user terminal is within a predetermined warning display period when the user withdraws the withdrawal request amount at the user terminal. A means of displaying a warning on
An account balance management system comprising: In a banking system in which an automatic transaction apparatus and a host computer of a bank and a host computer of a credit company can be connected,
Debiting the user's deposit account and recording the credit card information set in the account;
Obtaining an estimated amount of withdrawal of the credit card from the credit company host computer based on the credit card information;
The user's cash card is read, the account number recorded on the cash card is transmitted to the bank host computer, and the account balance and the credit card debit amount are received from the bank host computer. Steps,
Comparing the account balance, the expected withdrawal amount of the credit card, and a withdrawal request amount that the user intends to perform in the automatic transaction apparatus, and determining whether the account balance is insufficient;
When it is determined that the account balance is insufficient in the determining step, when the user withdraws the withdrawal request amount in the automatic transaction apparatus, a predetermined warning display period, Displaying a warning on the automatic transaction device;
An account balance management method comprising:

Images