JP2017041001A - Program of budget transfer terminal for internet banking, budget transfer method, and cash card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable budget transfer through Internet banking by using a cash card.SOLUTION: The cash card includes means that stores account information and a second secret code (for example, random number table) of a customer possessing the card and allows non-contact reading/writing from a smart phone (smartphone) and the like of the customer. After the customer logs in an internet banking system through the smartphone, a cash card of a payee is held over the smartphone to read account information of the payee. Then, the cash card of a transferring person is held over the same smartphone to read account information and a second secret code of a payment source. The read account information and the second secret code of the payment source are subjected to authentication by the internet banking system. After the authentication with the second secret code is completed, transfer of a transfer amount designated by the transferring person is executed.SELECTED DRAWING: Figure 2

Description

  The present invention relates to funds transfer in Internet banking.

  Conventionally, bank and securities company cash cards are read into ATMs (automated teller machines), used as authentication cards for customer account balance inquiry, cash withdrawal, cash deposit, transfer / transfer, and other various transactions. It's being used. On the other hand, in widely used Internet banking, it is common to use another authentication method without using a cash card. Specifically, in order to use Internet banking, a customer signs a contract with a financial institution such as a bank, receives a login ID for Internet banking, and uses the login password registered at that time. This is done by accessing a system of Internet banking (also called “direct banking”), which is a Web system of a financial institution, and selecting a desired transaction from the menu screen. At this time, in addition to authentication of the login ID and login password (hereinafter referred to as "first password") for accessing the system, it is also used for transactions such as transfer to an unregistered account, registration / change of the transfer destination, etc. On the other hand, it is common to require additional authentication (hereinafter referred to as “second password”). The second password is authentication information used in addition to the first password, and is set according to the security level of the transaction. Further, additional authentication ("third password") may be required for mid-term cancellation of time deposits, notification of address change, etc. (see Non-Patent Document 1, for example).

  In general, for the authentication of Internet banking, a cash card and its password are not used, but a “password” (also called “contractor card” or “random number table card”) is issued separately to the customer. A random number table is printed on the back of the PIN card. One or more frames in the random number table are randomly specified on the Internet Banking transaction screen each time, and a two-digit number in the specified frame. Is often entered by the customer as a second password.

JP 2005-228121 A

Sumitomo Mitsui Banking Co., Ltd., “SMBC Top> Internet Banking> Help> PIN / PIN> Transactions that require second / PIN”, [online], [Search June 26, 2015], Internet, <URL: http://www.smbc.co.jp/direct/help_anshou/5.html> Haruhiko Hasegawa, Pentio Co., Ltd., “Types of IC cards I want to know and how to use”, [online], [Search June 27, 2015], Internet, <URL: http: //www.atmarkit. co.jp/fsecurity/special/73ic/ic01.html>

  However, the method using the random number table needs to carry the personal identification card separately from the cash card, which is inconvenient when using Internet banking when going out. Therefore, for example, as described in Patent Document 1, there has been proposed an authentication system and an identification card that can authenticate a user using a random number only with an identification card such as a cash card without using a random number table card. To do so, it is necessary to create a special identification card.

  In addition, the method of using a PIN card is a security issue because there are customers who take a photo of the random number table printed on it and store it on a smartphone, etc., and they do not notice even if the photo leaks. . Some banks have a random number table printed on the back side of the cash card, but if the cash card is lost or stolen, the random number table will be exposed to the eyes of others at the same time, which is also not preferable for security reasons. . Some banks have introduced a one-time password system in which the password changes every fixed time instead of a random number table, but you must carry a device (token etc.) that displays the one-time password, and when you go out Inconvenient.

  Therefore, in order to solve the above-described problems, the present invention provides a mechanism capable of transferring funds such as transfer by Internet banking with a cash card without carrying a personal identification card or a one-time password display device. The purpose is to do.

In order to solve the above problems, the present invention provides the following solution.
(1) A program for a terminal for transferring funds for Internet banking, in which funds can be transferred using a cash card, wherein the terminal is close to a cash card that stores customer account information and authentication information that is a second password. Short-distance wireless communication means for communicating by distance wireless communication, Internet banking communication means for establishing communication with an internet banking system of a financial institution using the customer's login ID and authentication information as a first password, and the short-range wireless communication means Means for reading out the withdrawal source account information and the authentication information that is the second secret of the withdrawal source account from the cash card possessed by the transfer person, and causing the Internet banking system to authenticate,
A program that functions as means for executing a transfer of a transfer amount designated by the transfer person when the authentication is normally completed.

(2) Further, in the program of (1), the authentication information serving as the second password is a number within a frame of the random number table, and when the number of the random number table is read, the number of the random number table is The terminal may be caused to function as a random number table updating means for updating.

(3) Further, in the program of (1), the authentication information serving as the second password is a one-time password, and the terminal is used as means for synchronizing the Internet banking system and the one-time password in accordance with a predetermined rule. May be made to function.

(4) Further, in the programs (1) to (3), the short-range wireless communication means may cause the terminal to function as means for reading account information of the recipient from a cash card possessed by the recipient. Good.

(5) Further, in the programs of (1) to (4), the terminal is caused to function as a collection management unit for managing collection from the collector, and the collection management unit is configured to use the cash card or account of the collector. The account information may be read from a card storing the information, a transfer reservation from the account of the read account information may be accepted, and a collection status confirmation screen showing the status of the collection reserved for the transfer may be displayed.

(6) In addition, in the program of (5), the collection management means issues a reminder to the collector who made the transfer reservation for a transfer reservation that is not executed even if the transfer reservation deadline is exceeded. You may make it do.

(7) In the program of (6), the collection management means generates a transfer screen including a minus transfer amount with a minus sign added to the scheduled transfer amount, and serves as the dunning means. Good.

(8) Moreover, in the second aspect of the present invention, there is provided a method for transferring funds for Internet banking, in which funds can be transferred using a cash card, wherein a terminal possessed by a customer is:
Using a short-distance wireless communication with a cash card that stores customer account information and authentication information that is the second password, and using the login ID of the customer and the authentication information that is the first password in the Internet banking system of the financial institution Establishing the communication, reading the withdrawal source account information and the authentication information that is the second password of the withdrawal source account from the transferor's cash card by the short-range wireless communication, and the readout The step of causing the financial institution's Internet banking system to authenticate the withdrawal source account information and the authentication information that is the second password of the withdrawal source account, and the transfer designated by the transfer person when the authentication is completed successfully. And a step of executing a money transfer.

(9) According to a third aspect of the present invention, there is provided a cash card used for funds transfer in Internet banking, the means for storing customer account information and authentication information as a second password, A non-contact type read / write means that enables non-contact read / write from a terminal possessed by the terminal, and the terminal includes the account information of the recipient, the account information of the transfer person, and the second of the account of the transfer person. It is characterized in that the password is read and the transfer by the internet banking is executed.

  According to the present invention, it is possible to transfer funds such as transfer by Internet banking with a cash card without carrying a personal identification card or a one-time password display device.

It is a figure which shows the image of the conventional transfer operation of internet banking. It is a figure which shows the image of the transfer operation of the internet banking which concerns on embodiment of this invention. It is a figure which shows the structure and functional block of the internet banking system (transfer system) which concern on embodiment of this invention. It is a figure which shows the processing flow of "cash direct" concerning embodiment of this invention. It is a figure which shows an example of the login screen of internet banking which concerns on embodiment of this invention, and a transfer main screen. It is a figure which shows an example of the cash direct transfer screen and transfer content confirmation screen which concern on embodiment of this invention. It is a figure which shows an example of the image of the "collection mode" using the internet banking which concerns on embodiment of this invention, and a collection condition confirmation screen. It is a figure which shows an example of the transfer reminder screen in the money collection mode using the internet banking 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. In the subsequent drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction.

(Conventional transfer operation)
Hereinafter, a transfer operation will be described as a typical example of funds transfer. FIG. 1 is a diagram showing an image of a conventional transfer operation of Internet banking. First, as Step 1, a transfer need arises by agreeing to transfer money by transfer between the transfer person (Mr. A) and the payee (Mr. B). When transferring by Internet banking, the transfer person (Mr. A) uses his / her smartphone (hereinafter abbreviated as “smartphone”) to enter the login ID and password as the first password on the Internet banking login screen. (Step 2). The first password is the first-level password information, also called the login password, which is an alphanumeric character registered by the customer when applying for Internet banking and is separate from the 4-digit “password” of the cash card. belongs to.

  Once login is completed and communication with the Internet banking system is established, the next step is to select the transfer from the menu on the transaction screen, and the bank transfer information (bank name, branch name) obtained from the recipient (Mr. B) in advance. , Account number, etc.) (step 3). Next, the transfer amount and the transfer date are input (step 4). By default, the transfer date is today or the next business day of the financial institution, so it can be omitted. Then, after confirming the input content, from the random number table printed on the personal identification card, two-digit numbers in one or more frames designated on the transfer screen are used as the second level personal identification information “second personal identification information”. "(Step 5) to complete the transfer. The second password is second level authentication information used in addition to the first password, and is set according to the security level of the transaction. For example, the second password is a random number table, a one-time password, or other additional authentication information. is there.

(Transfer operation when using this system)
FIG. 2 is a diagram showing an image of a transfer operation in the Internet banking fund transfer system (hereinafter referred to as the present system) according to the embodiment of the present invention. Also in this system, Step 1 and Step 2 are the same as in the conventional case of FIG. 1, but in Step 3, instead of manually entering the transfer information, the cash card possessed by the recipient (Mr. B) is used. By holding the phone over the smartphone, the transfer information is automatically input using the smartphone's NFC function (near field communication). Next, in Step 4, the transfer amount and the transfer date are manually entered as in the conventional case, but in Step 5, the PIN card is taken out as before and the second PIN is entered manually by looking at the random number table. However, this time, by holding the cash card owned by the transfer person (Mr. A) over the smartphone, the second password is automatically input using the NFC function of the smartphone.

  By doing this, when the transferor and the payee are facing each other, hold both cash cards over the transferer's smartphone (including direct contact), and transfer information and Internet banking transfer can be executed smartly, without requiring the transfer person to manually input the two passwords. Since the transfer is a face-to-face transfer where both the payer and face-to-face are face-to-face, it is difficult for mistakes to occur and it is also difficult to match fraud. In addition, since the cash card and the password (second password) are integrated, it is easy to manage, and it is easy to notice loss or theft. However, the first password is not integrated.

  In this transfer method, the cash card is touched on the smartphone and transferred by Internet banking (direct banking). Henceforth, “cash card touch direct” is abbreviated as “cash direct” or “touch direct”. I will call it. Note that the cash card used in this transfer method has an IC chip built-in, stores the card medium identifier, the owner's account number information, and the random number table of the second password in the internal memory of the card, and stores them in the internal memory. It is assumed that the read information can be read and written from the smartphone in a non-contact manner, and a dedicated application (application) is installed on the smartphone side. The cash card and smartphone functions will be described in detail in the next figure.

(Functional configuration)
FIG. 3 is a diagram showing the configuration and functional blocks of the Internet banking system (fund transfer system) according to the embodiment of the present invention. As shown in the figure, in this system, the IC chip cash card 10 and the customer terminal 20 (terminal for transferring funds in Internet banking), which is the customer terminal that owns the account, are in contactless near field communication (NFC). The customer terminal 20 and the host computer system 100 including the bank and securities company accounting system 130 are connected via the Internet. The customer terminal 20 may be a PC (Personal Computer) provided with a card reader in addition to a smartphone and a tablet terminal. The short-distance wireless communication means 21 provided in the customer terminal 20 includes a close type with a communication distance of about 2 mm, a close type with a communication distance of about 10 mm, and a close type with a communication distance of about 70 mm (see Non-Patent Document 2). preferable. Further, the customer terminal 30 is provided with various means that function according to a terminal program as described later.

  The cash card 10 incorporates in-card storage means 11 that is an internal memory. The in-card storage means 11 is composed of RAM, ROM, flash memory, etc., and includes card medium information (card medium identifier, issue date, etc.), account information (financial institution code (bank code), store number (branch number), Account number, name holder, etc.) are stored. However, the personal identification number (usually 4 digits) used in ATM and the first personality (usually 4 to 8 alphanumeric characters) used in Internet banking are not stored. In addition, the cash card 10 according to the embodiment of the present invention stores a random number table as a part of the authentication information. The random number table stored here is associated with the card medium identifier and is also managed on the host side, and can therefore be used as a second password for Internet banking. However, unlike the fixed random number table of the personal identification card, the random number table stored here can be rewritten. For example, the security strength can be enhanced by rewriting the numbers in the random number table once read (not necessarily fixed to two digits as in the case of the password). Note that the cash card may be provided with a one-time password generating means 14 instead of the random number table as the second password.

  Further, since the cash card 10 is inserted into the ATM 30 and used, not only the non-contact type read / write unit 13 capable of non-contact read / write but also the contact type read / write unit 12 having an external terminal is provided. (There are ATMs that read card information in a non-contact type, but they are not covered here.) As shown in the figure, the card information read from the cash card 10 by the card information reading means 31 of the ATM 30 is transmitted to the ATM control system 110 on the host side and entered by the authentication means 111 at the ATM 30. Information is authenticated.

  On the other hand, when the cash card 10 is held over the customer terminal 20, the IB control means 25 controls the internet banking process in the terminal by the short-range wireless communication means 21 that communicates with the non-contact type read / write means 13 of the card. The card information is read under the control of IB, and the card is stored in the IB system 120 (Internet banking system) on the host side under the control of the IB control means 25 by the IB communication means 22 (Internet banking communication means) in the terminal. Information is sent over the Internet. The IB communication means 22 and the IB control means 25 are dedicated applications provided by banks and securities companies. The transmitted card information is authenticated by the IB authentication means 121 of the IB system 120 on the host side of the bank or securities company. Is done. The authentication here is independent of the authentication means 111 in the case of the ATM 30, and the first password and the second password are used instead of the password entered at the ATM 30. Note that wireless communication between the cash card 10 and the customer terminal 20 is possible only when a dedicated application is installed.

  Also, the timing for reading card information is limited to prevent inadvertent authentication. For example, communication with the cash card 10 may be limited to a case where a direct transfer screen is displayed by a dedicated application. In addition, to prevent unauthorized authentication, press the transfer execution button so that it is in the authenticated state for a predetermined period of time, and in the case of a transfer over a predetermined amount, the identifier of the terminal used for the transfer and the identifier of your cash card If the pairing function is not set in advance between the two, authentication may be disabled. Further, when the second password has not been updated (rewritten) for a certain period or longer, it may be read after rewriting before the transaction. By doing in this way, even if the customer terminal 20 of the transfer person and the cash card 10 are lost or stolen at the same time, it is possible to prevent unauthorized transfer unless the first password is also seen. Needless to say, if a terminal or cash card is lost or stolen, a means for immediately stopping Internet banking transactions is prepared.

  Further, the customer terminal 20 may be provided with a random number table updating unit 23 and a collection management unit 24 under the control of the IB control unit 25 as a part of the dedicated application. As described above, the random number table updating means 23 provides a function of updating the numbers in the random number table every time the random number table in the card is read. The collection management means 24 is a tool for managing the transfer status of the transfer person in order to support the collector who receives the collection from a large number of transfer persons, and will be described in detail later. Moreover, although illustration is abbreviate | omitted, it cannot be overemphasized that the customer terminal 20 is provided with the display means for displaying the transaction screen etc. of an internet banking.

  The above-described functional configuration of the present system is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be configured as one functional block. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory), flash memory, SSD (Solid State Drive), or hard disk by a CPU (Central Processing Unit) built in the device. This is realized by a computer program executed by the CPU. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device).

(Processing flow)
FIG. 4 is a diagram showing a processing flow of cash direct according to the embodiment of the present invention. This process is mainly executed by the dedicated application on the terminal side (short-range wireless communication means 21, IB communication means 22 and the like) and the IB system 120 on the host side. In the subsequent processing flow diagrams (flowcharts), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired.

  First, in step S10, when the login ID and the authentication of the first password are OK, the process proceeds to step S11, and the ID of the transaction selected by the customer from the main menu and the transfer main screen is acquired. If the first password is authenticated NG, a login error occurs. If the login error is repeated a predetermined number of times, the login ID and password are locked.

  If the transaction ID acquired in step S11 is not a transfer to a transfer destination that requires a second password (step S12: N), in step S18, other transaction processing (balance inquiry, transfer to registered transfer destination) Transfer, transfer to a transfer destination that has been transferred in the past). The transfer requiring the second password is usually set for a new transfer destination. It is assumed that the other transactions are transactions that can be processed only with the first password. However, even if it is a registered transfer destination or a transfer destination that has been transferred in the past, a second password can be required depending on the setting of the customer. In other transactions, the second password or the third password may be required, but it can be changed according to the setting of the customer, so a detailed description is omitted here.

  When the transaction selected in step S11 is a transfer to a transfer destination that requires the second password (step S12: Y) and a transfer using cash direct (hereinafter referred to as cash direct transfer) (step S13) : Y), the recipient (transfer destination) 's cash card is held over the transfer person's terminal, the transfer destination information is acquired from the cash card, and the transfer amount and transfer date are input (step S14). If the transfer destination information is acquired normally, the transfer person's cash card is then held over the terminal, and the second password is acquired (step S15).

  Even if it is a transfer to a new transfer destination, if cash direct is not used (step S13: N), the process proceeds to step S16, where the transfer person obtains the transfer destination information manually input or selected from the list of registered accounts. Enter the transfer amount and transfer date. Subsequently, in step S17, a second password manually entered by the transfer person is obtained.

  The acquisition of the second password in step S15 or step S17 may be performed before the customer presses the transfer execution button, or may be performed after the transfer execution button is pressed. In the case of cash direct transfer and normal transfer, the acquired transfer destination information and the second password are sent to the host side (in some cases, the card medium identifier) to authenticate, and if the authentication is OK (Step S19: Y), transfer is executed in Step S20. If the authentication of the second password is NG (step S19: N), an authentication error occurs (step S23).

  When the cash direct transfer is normally completed in step S20, the random number table of the cash card of the transfer person held over the terminal may be updated in step S21. In this way, the numbers in each frame of the random number table change each time, so the same effect as the one-time password method can be obtained. When the random number table is updated, this is also notified to the IB authentication unit 121 on the host side, and the updated random number table is used for the next authentication. Alternatively, the numbers in the random number table may be changed synchronously according to a scheduled rule determined on the terminal side and the host side without notifying the host side. In creating the rule, the date and time when the transfer is completed, the card medium identifier (card number, etc.) and / or the terminal identifier (terminal serial number, etc.) are used. In addition, even if it is cash direct transfer, if transfer is completed normally, it is normal transfer to register the transfer destination information in the host's registered account database or store the transfer destination information in the transaction history It is exactly the same as the case of. When the transfer process is completed in this way, if another transaction is to be continued, the process returns to step S11, and if not, the transaction is terminated (step S22). Note that a one-time password method may be used without using a random number table as the second password. However, in that case, it is necessary to provide one-time password generation means 14 for generating a one-time password in the card according to the same rules as the host side and synchronizing with the host side.

(Screen example)
FIG. 5 is a diagram showing an example of a login screen and a transfer main screen for Internet banking according to the embodiment of the present invention.

  On the login screen 200 in the figure, the customer can select whether to use a store number (3 digits) plus an account number (7 digits) or a contractor number (usually about 8 to 12 digits) as a login ID. Of course, either one is acceptable. The “first password” may be “login password”, “password”, or other names. When the login is completed, a main menu screen (not shown) for selecting a desired transaction is displayed. For example, when “transfer” is selected, the screen changes to a transfer main screen 210 in FIG. On the transfer main screen, select the type of transfer. In the past, there were three types of transfers: transfer to a registered account, transfer to a new transfer destination, and transfer to a past transfer destination (transfer destination that had been transferred in the past). Then, a cash direct transfer button 211 is added.

  FIG. 6 is a diagram showing an example of a cash direct transfer screen and a transfer content confirmation screen according to the embodiment of the present invention. When the cash direct transfer button 211 is pressed from the transfer main screen 210 shown in the previous figure, a cash direct transfer screen 220 shown in the figure is displayed. On this screen, a message 221 such as “Please hold the cash card of the bank account of the transfer destination” is displayed, and the cash card of the payee of the transfer destination is held (touched) on the customer terminal 20 of the transfer party. Desired. When the recipient holds the card, the account information read from the card is displayed in the field of transfer information 222. The payee name (account holder) is not essential, but is preferably recorded on the cash card. The withdrawal account information 223 which is the withdrawal source account information is automatically displayed when this screen is displayed. After confirming the transfer destination information and the withdrawal account information, the transfer person inputs the transfer amount and the transfer date from the input field 224. If the transfer date (transfer specified date) is omitted, it is set to today or the next business day. When the transfer person confirms that all information has been input, the transfer content confirmation button 225 is pressed to display the transfer content confirmation screen 230.

  In the transfer contents confirmation screen 230, the information on the transfer destination is displayed again, so the recipient is asked to confirm. If it is wrong, the correction button or the return button is pressed to return to the cash direct transfer screen 220 and the cash card. Try reloading. The same applies to correction of the transfer amount.

  When all the details of the transfer have been confirmed together with the recipient, according to the message 231 urging the user to hold the cash card, the transferer's cash card is held (touched) on this screen and the transfer execution button 232 is pressed to start the transfer. When the recipient's account information and the second password are confirmed, the transfer is completed.

(Collecting mode)
FIG. 7 is a diagram showing an example of a “collection mode” image and a collection status confirmation screen using Internet banking according to the embodiment of the present invention. In the explanation so far, the case where the transfer person touches the payee's cash card and the transfer person touches the transfer card is explained. However, in this system, a large number of human beings like a banquet secretary. A function can be added to support the collector who collects membership fees. This function is referred to as a “collection mode” (it may be referred to as a “transfer reservation mode” since a transfer reservation is accepted). Switching between the transfer mode and the collection mode can be performed at any time by the IB control means 25 based on the customer's terminal operation. Also, from the information read when the terminal reads the card, determine the card number, holder, etc. linked to the terminal and acquire the read card information as the transfer person information, It is also possible to automatically determine by the IB control means 25 whether the information is acquired as recipient information.

  As shown in the drawing, when the collector (recipient) logs in to Internet banking from his / her smartphone or the like and selects the function of the collection mode, a collection information collection screen 300 is displayed. The collection information collection screen 300 is in a state of accepting reading of the cash card of the collector (transfer person). When the cash collector to be used for the transfer is touched on this screen, the account information stored in the card is automatically read and a transfer reservation can be made. For example, this is effective when there is little account balance and you do not want to transfer money immediately. It is also effective when the collector does not use Internet banking and cannot transfer money on the spot.

  The transfer amount (scheduled transfer amount) may be input on the spot by the collector, or when the amount is fixed, the collector may input in advance. Of course, the transfer amount may be changed on the spot. The scheduled transfer date designates the date on which the collector can transfer money. In addition to the transfer amount and scheduled transfer date, a comment regarding a banquet or the like may be made by voice input. Here, the cash card touched by the collector may be a card of another bank different from the bank of the collector's account. Moreover, in the case of only a transfer reservation, it is not necessary to be a cash card, and it may be a transfer card or a credit card that stores only information on a withdrawal scheduled account. In the case of a credit card, the withdrawal account information may be the withdrawal account of the card, or only the holder. Further, when the collector does not have a cash card or the like, an alternative to the transfer information may be input by voice. For example, a message such as “I am going to transfer 10,000 yen from XX bank XX days” may be used.

  Account information such as cash card touched by the collector, the transfer amount and the scheduled transfer date are recorded on the collector's smartphone. The account information recorded here may be limited to a part of the security. By doing so, the collector can subsequently confirm the collection status (transfer status) from the transfer list 311 on the collection status confirmation screen 310 as shown in the lower part of FIG.

  On the money collection status confirmation screen 310, those that have been transferred may be erased, and only those that have not been transferred may be displayed. You can also issue a reminder to an untransferred person. For example, the dunning issue date is set as one week after the transfer schedule from the input field 312, and the dunning is automatically transmitted to an untransferred person on that date. That is, a dunning is issued to the collector who made the transfer reservation for the transfer reservation that is not executed even if the date specified in the transfer reservation is exceeded. The dunning means at this time may be an e-mail or the like. However, since the trouble of acquiring an e-mail address or a telephone number increases, the dunning may be made from the cash direct transfer screen of this system. Specifically, it will be described in the next figure. Further, the account information of the collector may be written on the cash card or the like touched by the collector. In this way, the information recorded on the card touched by the collector can be read and reminded.

  In addition, in the money collection mode, the transfer is not actually performed, so it can be used as a countermeasure against the transfer fraud. Even if a fraudster skillfully urges a transfer, never use an ATM for the first transfer, and if you face a stranger, never use a cash direct transfer to transfer on the spot. Even if it shows the will of the transfer once in the mode, the transfer itself is put on hold, and it is possible to earn time for consulting with others and calming down before actually transferring. At this time, if the collection mode itself is rejected, it becomes an important factor to doubt the possibility of fraud.

  FIG. 8 is a diagram showing an example of a transfer reminder screen in the money collection mode using Internet banking according to the embodiment of the present invention. This figure shows that the “reminder” described in the previous figure can also be realized using a cash direct transfer screen. The transfer prompt screen 320 shown in the figure is exactly the same as the cash direct transfer screen 220 described in FIG. The difference is that the transfer destination information 321 is not information read from the cash card touched on this screen but information read from the cash card touched by the collector on the money collection information collection screen 300 in FIG.

  As already described, on account of the collection information collection screen 300, all of the account information of the collectee may not be read for security reasons. Or, even if it is read, it is not displayed on the screen. For this reason, the account number portion of the payee information 321 shown in the figure is displayed as “●”. Also, in the “transfer amount” of the input field 323 in the figure, a negative amount is entered, which is obtained by adding a minus sign to the scheduled transfer amount entered by the collector in the collection mode. . That is, the screen shown in FIG. 8 actually represents not a “transfer screen” but a “transfer prompt screen” or a “billing screen”. This is not a problem because it is not actually transferred from this screen.

  In this way, there is no need to separately create a transfer reminder screen, a billing screen, and a menu therefor on this system, and it is only necessary to use the cash direct transfer screen as a reminder. When a reminder occurs, a message that does not clearly indicate that it is a reminder is sent to the collector from the telephone number registered in Internet banking using SMS (Short Message Service). When logging in to Internet banking, the information displayed on the dunning screen may be transferred to the transfer screen, and the transfer screen may be displayed automatically.

  At this time, the account number that was not displayed on the dunning screen is also displayed, and if the minus sign of the transfer amount is returned to the original value, the collector collects the requested contents. Once confirmed, the transfer is completed simply by holding the withdrawal cash card and pressing the transfer button. Of course, it is also possible for the collector to change the account number of the withdrawal source, the transfer amount, the designated transfer date, etc. on this transfer screen. Further, in order not to be abused for wire fraud, etc., only information received in the collection mode can be demanded, and a reminder can be issued only from a collector whose identity is clear.

  In the above description, the description has been made centering on the situation of making a face-to-face transfer to the recipient, but the present invention can also be applied to the case where a cash card is used as a debit card. In other words, when paying with a debit card at the storefront, instead of touching the store's card reader, have your smartphone touch the transfer card etc. that stores the account information for collecting store sales, Instead of signing, you can make payment by touching your cash card to your smartphone in the same way as the above fund transfer system. By doing so, it is possible to reduce the risk of leakage of information on the cash card from the terminal at the store.

(Effect of embodiment)
According to the embodiment of the present invention, first, Internet banking can be transferred with a cash card used in ATM without carrying a personal identification card (contractor card) or a one-time password display device. In particular, it is very effective in a situation where a transfer occurs on the go. The transfer is premised on meeting with the person of the transfer destination, but on the contrary, the safety of the transaction is enhanced.

  Second, in the case of a random number table that is widely used at present, the second secret code can increase the number of digits in the random number table or update the entire random number table, thereby increasing security.

  Third, since the second password may be a widely used one-time password, the one-time password authentication mechanism can be used as it is.

  Fourthly, since the present system has a collection mode, it is possible to support the collection management work of a collection person who receives collections from a large number of people as well as the transfer work of the transfer person. Since the transfer is not executed in the collection mode, it is also useful as a countermeasure against the transfer fraud.

  Fifth, in the money collection mode, the money collection management means can issue a reminder (billing) to the collector who made the transfer reservation for the transfer reservation that is not executed even if the due date of the transfer reservation is exceeded. .

  Sixth, the collection management means can generate a transfer screen including a negative transfer amount obtained by adding a minus sign to the scheduled transfer amount as the above-mentioned dunning means. By doing so, it is possible to save the trouble of newly creating a screen or menu for dunning, and the collector who has received the dunning can easily transfer money from the generated transfer screen.

  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 embodiment. 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. In the above embodiment, the present invention is a product invention and the terminal program for transferring funds in Internet banking has been described. However, the present invention stores the invention of the fund transfer method, account information, and the second password. It can also be understood as an invention of a cash card.

DESCRIPTION OF SYMBOLS 10 Cash card 11 Card storage means 12 Contact type read / write means 13 Non-contact type read / write means 14 One-time password generation means 20 Customer terminal (terminal for money transfer)
21 Short-range wireless communication means 22 IB communication means (Internet banking communication means)
23 random number table updating means 24 collection management means 25 IB control means 30 ATM (automatic cash transaction apparatus)
31 Card information reading means 100 Host computer system 110 ATM control system 111 Authentication means 120 IB system (Internet banking system)
121 IB authentication means (Internet banking authentication means)
130 Account system 200 Internet banking login screen (00 direct login screen)
210 Transfer Main Screen 211 Cash Direct Transfer Button 220 Cash Direct Transfer Screen 221 Transfer Account Cash Card Confirmation Message 222 Transfer Destination Information 223 Withdrawal Account Information 224 Transfer Amount / Transfer Designation Date Input Field 225 Transfer Content Confirmation Button 230 Transfer Content Confirmation Screen 231 Transfer execution confirmation message 232 Transfer execution button 300 Collection information collection screen 310 Collection status confirmation screen 311 Transfer person list 312 Dunning issue date input field 320 Cash direct transfer screen (transfer dunning screen)
321 Transferee information (account of the collector)
322 Withdrawal account information (collector's account)
323 Transfer amount / transfer specified date (billing amount / payment specified date) input field

Claims (9)

A program for a terminal for transferring funds in internet banking that can transfer funds using a cash card,
The terminal
Short-range wireless communication means for communicating with a cash card that stores customer account information and authentication information that is the second password by short-range wireless communication;
Internet banking communication means for establishing communication using the login ID of the customer and authentication information as the first password in the Internet banking system of a financial institution;
Means for reading out the withdrawal source account information and the authentication information as the second password of the withdrawal source account from the cash card possessed by the transfer person by the short-range wireless communication means, and causing the Internet banking system to authenticate;
Means for executing the transfer of the transfer amount designated by the transfer person when the authentication is normally completed;
A program characterized by functioning as   The authentication information serving as the second password is a number within the frame of the random number table, and when the number of the random number table is read, the terminal functions as a random number table updating unit that updates the number of the random number table. The program according to claim 1.   The authentication information as the second password is a one-time password, and the terminal functions as means for synchronizing the Internet banking system and the number of the one-time password according to a predetermined rule. The listed program.   4. The program according to claim 1, wherein the short-range wireless communication means causes the terminal to function as means for reading account information of a recipient from a cash card possessed by the recipient. .   The terminal is made to function as a collection management means for managing collection from a collector, and the collection management means reads account information from a cash card of the collector or a card storing account information, and reads the read account information. 5. The program according to claim 1, wherein a transfer reservation from a bank account is received, and a collection status confirmation screen indicating a status of the collection reserved for the transfer is displayed.   The said collection management means issues a reminder to the collector who made the transfer reservation for a transfer reservation that is not executed even if the due date of the transfer reservation is exceeded. program.   The program according to claim 6, wherein the collection management unit generates a transfer screen including a minus transfer amount obtained by adding a minus sign to a scheduled transfer amount, and serves as the dunning unit. An internet banking fund transfer method that allows cash transfers using cash cards,
The customer ’s device is
Communicating with the cash card storing the customer account information and the authentication information as the second password by short-range wireless communication;
Establishing communication with an Internet banking system of a financial institution using the login ID of the customer and authentication information as a first password;
By the short-range wireless communication, reading out the withdrawal source account information and the authentication information that is the second password of the withdrawal source account from the transferor's cash card;
A step of causing the Internet banking system of a financial institution to authenticate the read-out account information of the withdrawal source and the authentication information serving as the second password of the withdrawal source account;
If the authentication is successfully completed, executing the transfer of the transfer amount specified by the transfer person;
A method for transferring funds characterized in that A cash card used to transfer funds in internet banking,
Means for storing customer account information and authentication information as a second password;
Non-contact type read / write means that enables non-contact read / write from a terminal possessed by the customer;
With
A cash card, which causes the terminal to read the account information of the payee, the account information of the transfer person, and the second password of the account of the transfer person, and execute the transfer by the Internet banking.