JP2017215700A - Financial transaction execution support device and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To consolidate management of account information by prescribed identification information assigned from a public agency.SOLUTION: A financial transaction execution support device 1 according to the present invention supports execution of a financial transaction by a user using a computer system. The computer system: acquires prescribed identification information assigned to each user from a public agency; causes a storage device to manage account information of a financial agency, possessed by each user in association with the prescribed identification information; when receiving an inquiry request clearly specifying the prescribed identification information from terminals 2-5 via a communication network CN, searches account information corresponding to the prescribed identification information related to the inquiry request from the storage device; selects the prescribed account information out of the searched account information; and transmits selection information including the selected prescribed account information to the terminals.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a financial transaction execution support apparatus and method.

  It is known to use a bankbook or card issued by a financial institution to make financial transactions such as depositing, paying, or transferring money to the financial institution. When dealing with a plurality of financial institutions, the user needs to use different cards for each financial institution.

  By the way, a system is known in which bank accounts and credit card usage are managed in an integrated manner, and the amount of money that can be used with a cash card or credit card is predicted and presented to the user (Patent Document 1).

Japanese Patent Laying-Open No. 2015-125530

  A user may have accounts at a plurality of financial institutions and use different accounts. However, for users with multiple (many) accounts, it is troublesome to select an account suitable for the transaction to be performed from among multiple accounts. (Automated Teller Machine) It is necessary to go to the bank counter and it is not easy to use. Some users have forgotten the existence of accounts that are not frequently used. Especially for elderly people, for example, it is difficult to properly manage a plurality of accounts.

  The present invention has been made in view of the above-described problems, and its purpose is to manage account information by associating and managing predetermined identification information given by a public institution and account information of a financial institution possessed by a user. It is an object of the present invention to provide a financial transaction execution support apparatus and method that can be managed in a centralized manner and can be easily used by a user.

  In order to solve the above problems, a financial transaction execution support device according to the present invention is a financial transaction execution support device that supports execution of a financial transaction by a user using a computer system. The predetermined identification information given by the general institution is acquired, the account information of one or more financial institutions held by each user and the predetermined identification information are associated with each other and managed by the storage device, and from the terminal via the communication network When a query request specifying the specific identification information is received, the account information corresponding to the specific identification information related to the query request is searched from the storage device, and the predetermined account information is selected and selected from the searched account information. The selection information including the predetermined account information is transmitted to the terminal.

  According to the present invention, account information of one or more financial institutions can be managed centrally by using predetermined identification information given from a public institution, and usability is improved.

The whole block diagram of the financial transaction system containing the my number management server as a financial transaction execution support apparatus. The block diagram of my number management server. The block diagram of ATM which is an example of a terminal. The block diagram of the shop terminal (home PC and a portable terminal are the same) which are the other examples of a terminal. Table configuration of account information held by My Number Management Server. The flowchart which shows the process which registers a user's my number and account information into a my number management server using a business terminal or ATM. The flowchart which shows the process which deals with a financial institution via a my number management server from a business terminal or ATM. The flowchart which shows the process which registers my number and account information into a my number management server using home PC or a portable terminal. The flowchart which shows the process which trades with a financial institution via a my number management server from a home PC or a portable terminal. The example of a screen which shows the list of the account information matched with my number.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In this embodiment, an automatic transaction device such as an ATM installed in a financial institution, a terminal device used at a sales office, Internet banking used at home or on the go, etc., use a public card such as a my number card. And explain how to conduct financial transactions.

  In the present embodiment, as will be described later, the My Number Registration Account Management Unit 100 of the My Number Management Server 1 associates the My Number with account information including a financial institution name, an account number, and the like with respect to the file management unit 11. sign up.

  The my number management server 1 of the present embodiment presents account information associated with the my number to the user through any one of the terminals 2, 3, 4, and 5. The user selects account information to be used for the financial transaction from the presented account information. My number management server 1 presents actual balance information and usable balance information to the user together with the account information.

  The my number management server 1 can access the computer 7 of the financial institution and perform a financial transaction by using the account information selected by the user and the authentication information corresponding to the account information.

  A first embodiment will be described with reference to FIGS. FIG. 1 shows an overall configuration diagram of a financial transaction system including a My Number management server 1 as a “financial transaction execution support device”.

  This system includes, for example, My Number Management Server 1, ATM 2, branch office terminal 3, home PC, mobile terminal 5, gateway (“GW” in the figure) 6, and host computer 7. And my number management server 1, ATM2, branch office terminal 3, home PC4, portable terminal 5, and gateway 6 are connected to each other via a communication network CN so that they can communicate with each other.

  A configuration example of the my number management server 1 will be described later with reference to FIG. ATM 2, branch office terminal 3, home PC 4, and mobile terminal 5 are examples of “terminals”. The details of processing with the My Number Management Server 1 differ depending on the purpose and usage of the terminal. This will be described with reference to FIGS.

  Here, ATM2 is an automatic teller machine arranged in a bank or a convenience store. The branch office terminal 3 is a computer terminal installed in a bank branch or the like, and is operated by a bank employee instead of a user.

  The home PC 4 is a personal computer at the user's home. The home PC 4 is not limited to a stationary PC but may be a portable mobile PC. The mobile terminal 5 is, for example, a mobile phone (including a smartphone), a tablet terminal capable of communication, or the like. The user can use so-called network banking by operating the home PC 4 or the mobile terminal 5.

  The gateway 6 is a communication control system provided between a host computer 7 of a financial institution and a terminal. The host computer 7 corresponds to a “financial institution computer”, executes various financial transaction processes, and stores the results.

  The communication network CN may be, for example, a public line such as the Internet or a dedicated line. Although FIG. 1 shows one communication network CN, the terminals 2 to 5 can communicate with the My Number management server 1 and the host computer 7 via communication networks suitable for each.

  FIG. 2 shows a configuration example of the my number management server 1. The my number management server 1 is configured as a computer system including a control unit 10, a file management unit 11, and a line connection unit 12, for example.

  The control unit 10 is composed of a microprocessor, a memory (both not shown) and the like, and controls the operation of the my number management server 1. The control unit 10 includes, for example, a my number registration account management unit 100 and a balance management unit 110. The my number registration account management unit 100 is a function for managing a user's my number and information on an account of a financial institution owned by the user in association with each other.

  The balance management unit 110 is a function of inquiring the balance of the account associated with the My Number with respect to the host computer 7 and outputting a value obtained by correcting the balance as necessary. The balance management unit 110 may be provided in the my number registration account management unit 100.

  The file management unit 11 is a database system that manages a file in which account information is associated with each My Number. The file management unit 11 stores, for example, an account information table T10, which will be described later with reference to FIG. 5, and another information table T11.

  The line connection unit 12 is a communication interface device for the My Number Management Server 1 to perform bidirectional communication with the terminals 2 to 5 and the host computer 7. A line connection unit that communicates with the host computer 7 and a line connection unit that communicates with the terminals 2 to 5 may be separated.

  FIG. 3 is a configuration example of ATM2. ATM2 is an automatic transaction apparatus that is installed in a financial institution or the like and performs transactions such as cash deposits and withdrawals by user (customer) operations.

  The ATM 2 includes, for example, a control unit 20, an operation unit 21, a passbook mechanism unit 22, a line connection unit 23, a card / detail slip mechanism unit 24, a banknote deposit / withdrawal mechanism unit 25, a coin deposit / withdrawal mechanism unit 26, a voice guidance unit 27, A vein authentication mechanism unit 28, a my number registration account inquiry unit 29, and a file management unit 2A are provided.

  The control unit 20 includes a microprocessor, a memory, an auxiliary storage device (all not shown), and the like, and controls the entire operation of the ATM 2. The memory and the auxiliary storage device store computer programs and data for realizing the function as ATM.

  The operation unit 21 has a screen display function and a key input detection function. When the ATM2 user mainly performs a transaction, the operation unit 21 displays a transaction operation guidance screen or presses the user's operation such as a personal identification number with a finger. Accept keystrokes entered. Note that the operation unit 21 is preferably an input / display unit (also referred to as an input display unit) configured by a touch panel or the like, and displays various information on the display screen or presses various items included in the display screen. Is detected.

  The passbook mechanism unit 22 takes charge of the passbook insertion operation, passbook discharge operation, magnetic stripe read and write operations by the user, printing by the printing unit on the passbook, and the like.

  The line connection unit 23 is connected to the line connection unit 12 of the my number management server 1 via the communication network CN. ATM 2 and My Number Management Server 1 communicate bidirectionally via line connection units 12 and 23 and communication network CN.

  The card / detail slip mechanism section 24 includes a card mechanism section that is in charge of transporting cards issued by financial institutions, and a detail slip mechanism section that issues a detail slip. The card mechanism section includes user card insertion or ejection operations, card magnetic stripe read or write operations, IC chip read or write operations, card embossed image reading, card issuing functions, etc. Handle.

  The statement slip mechanism section prints the transaction contents on the statement slip by the printing section, and discharges the printed statement slip from the ATM 2.

  The banknote deposit / withdrawal mechanism 25 and the coin deposit / withdrawal mechanism 26 have a cash deposit / withdrawal function, a cash discrimination function, a transport function, and a storage function.

  The voice guidance unit 27 guides the user to operate the ATM 1 by voice. The vein authentication mechanism unit 28 has a function of reading a user's vein. Although not shown in FIG. 3, ATM 2 includes a camera photographing unit for photographing a user's face image.

  The my number registration account inquiry unit 29 is a function for inquiring the account information associated with the my number inputted by the user to the my number management server 1. The my number registration account inquiry unit 29 may be provided in the control unit 20.

  The file management unit 2A stores a table used for realizing the ATM2 function. The file management unit 2A stores, for example, a transaction history table T20 that manages a transaction history with a user and a handling upper limit table T21 that manages a transaction upper limit for each user.

  The configuration example of FIG. 4 can be applied not only to the store terminal 3 but also to the home PC 4 and the mobile terminal 5. That is, since the store terminal 3, the home PC 4, and the mobile terminal 5 are all computer terminals, the basic configuration is common. Hereinafter, the store terminal 3 will be described as an example.

  The terminal 3 includes, for example, a microprocessor (hereinafter referred to as CPU) 30, a memory 31, a line connection unit 32, a storage device 33, and a user interface unit 34.

  The CPU 31 implements the function as the terminal 3 by reading the computer program stored in the storage device 33 into the memory 31 and executing it. The line connection unit 32 is a communication interface device for bidirectional communication with the My Number management server 1 and the host computer 7 via the communication network CN.

  The storage device 33 includes, for example, a flash memory device, a hard disk device, and the like, and stores a computer program for realizing the my number registration account inquiry unit 300 and the account management unit 310, and a transaction history table T30.

  My number registration account inquiry part 300 is a function which inquires my account management server 1 about the account information matched with my number which a user inputs. The account management unit 310 is a function for managing a user (customer) account. You may provide the my number registration account inquiry part 300 in the account management part 310. FIG. The transaction history table T30 is a table for managing a transaction history with a user (customer).

  The user interface unit 34 is a device that exchanges information with a user (such as a clerk). The user interface unit 34 includes, for example, an information output device such as a display and a printer, and an information input device such as a keyboard, a mouse, and a touch panel.

  FIG. 5 shows a configuration example of an account information table T10 that manages My Number and account information in association with each other.

  The account information table T10 is prepared for each My Number of the user. For example, the My Number column C100, the registered account number column C101, the personal identification number column C102, and the account information columns C103_1 to 103_3 are managed in association with each other. A plurality of pieces of account information C103_1 to 103_3 can be associated with my number. Unless otherwise distinguished, the account information C103_1 to C103_3 is referred to as account information C103.

  My number column C100 stores the user (customer) my number. The registered account number C101 stores the number of account information associated with the My Number. The personal identification number column C102 stores a personal identification number for using the my number management server 1. The my number management server 1 can perform authentication based on whether or not the combination of the user's my number and password is correct. Not only this but you may combine with biometrics etc.

  The account information column C103 stores information on an account opened by a user (customer, the same applies hereinafter) to a financial institution. The account information column C103 includes, for example, a financial code C1030, a store number C1031, a subject C1032, an account number C1033, a registration date C1034, another valid / invalid C1035, an invalid date C1036, a user ID C1037, a password number C1038, a remark C1039, and a secured amount C103A can be managed.

  The financial code C1030 is identification information of a financial institution. The store number C1031 is the identification information of the store that the financial institution has. The subject C1032 is an account type. The account number C1033 is a number that identifies an account. The registration date C1034 is a date when the user's My Number and account information are registered in the My Number Management Server 1. If the account information associated with My Number is added or changed, it will be the date of update.

  The validity / invalidity C1035 indicates whether or not the account information is set to be usable through the my number management server 1. The invalid date C1036 indicates a date when another valid / invalid C1035 is set invalid.

  The account information that is set to be valid can be used by using the my number management server 1. The account information set to invalid cannot be used using the My Number Management Server 1. However, even if the account information is set to be invalid, when the user brings a card and goes to the bank window as in the past, the account information can be used to perform a financial transaction.

  When receiving the account inquiry request that clearly indicates the My Number, the My Number Management Server 1 returns only the account information that is set valid among the account information associated with the My Number to the terminal. For example, the my number management server 1 can effectively change the account information set to invalid during the account information registration process.

  The user ID C1037 and the personal identification number C1038 are authentication information necessary for accessing the host computer 7 of the financial institution and conducting a financial transaction. When combining biometric authentication or the like, information corresponding to the authentication method may be added.

  Remark C1039 describes information related to account information in text. The user can store the usage purpose of the account as the remark C1039. The secured amount C103A is an amount to be secured in the account. For example, in the case of an account in which a substantially constant amount such as a public bill, rent, mobile phone fee, etc. is regularly withdrawn, the amount that is determined to be spent is left in the account as an amount to be secured. When sending the account information associated with the My Number to the terminals 2 to 5, the My Number Management Server 1 combines the available balance together with the actual balance of each account or instead of the actual balance. Notify

  An example of processing in which the my number management server 1 supports financial transactions will be described with reference to FIGS. Here, a process for registering use of the service in the My Number Management Server 1 and a process for performing a financial transaction with the host computer 7 through the My Number Management Server 1 are distinguished depending on whether the gateway 6 is present or not. And will be described respectively.

  6 and 7 show a case where the gateway 6 is involved in the processing. FIG. 6 is a flowchart showing a process of registering (updating) my number and account information in the my number management server 1. Here, the store terminal 3 and the ATM 2 will be described as examples of terminals. In the net banking using the home PC 4 or the mobile terminal 5, when using a gateway for net banking, the same processing as that described in FIG. 6 is performed. A person who operates the branch terminal 3 is a bank employee or the like, whereas a person who operates the ATM 2 is a user (customer). Here, the explanation will be focused on the store terminal 3. Therefore, in order to distinguish clearly from a user (customer), it calls an operator.

  An operator such as a bank clerk confirms whether or not the account information of the user (customer) is registered in the my number management server 1 or the account information of the user (customer) registered in the my number management server 1 Or update.

  The operator operates the branch terminal 3 in response to the request of the user (customer) and requests the my number management server 1 to confirm the registration status (S10). This registration status confirmation request includes a My Number, a financial code, a store number, a subject, an account number, etc., and a personal identification number for confirming the person. Then, the registration status confirmation request is sent to the my number management server 1 via the gateway 6.

  When receiving the registration status confirmation request, the my number registration account management unit 100 of the my number management server 1 authenticates the user based on the my number and the personal identification number included in the request (S11). The my number registration account management unit 100 searches the account information table T10 using the received information (my number, financial code, store number, subject, account number, etc.) as a key (S12), and returns the search result to the branch terminal 3 (S13). The search result is sent to the branch terminal 3 via the gateway 6.

  On the display of the branch office terminal 3, a result screen for the registration status confirmation request is displayed (S14). When updating the account information (new registration, addition of account information, setting change, deletion, remark editing, etc.), the operator inputs the details of the update to the branch terminal 3. The branch terminal 3 receives the content input by the operator (S15).

  The branch office terminal 3 transmits an update request including the update contents, my number, financial code, store number, subject, account number, remarks, reserved amount, password, etc., to the my number management server 1 (S16). This update request is sent to the my number management server 1 via the gateway 6.

  When the authentication process (not shown) is successful, the my number management server 1 inquires the host computer 7 for information on the account requested to be updated (S17, S18). When a plurality of pieces of account information are included in one update request, the my number management server 1 confirms the account information with respect to the host computer 7 of each financial institution.

  When the same My Number as the My Number included in the update request exists in the account information table T10, the My Number management server 1 additionally registers account information for the My Number and updates the account information table T10. (S19). When the My Number included in the update request does not exist in the account information table T10, the My Number management server 1 executes new registration and updates the account information table T10 (S19).

  When updating the account information table T10, the my number management server 1 returns the processing result of the update request to the branch terminal 3 (S20). The reply is sent from the my number management server 1 to the branch terminal 3 via the gateway 6.

  FIG. 7 is a flowchart showing a process of making a financial transaction with the host computer 7 from the branch office terminal 3 via the my number management server 1.

  The operator operates the branch terminal 3 in response to a user (customer) request. The branch office terminal 3 clearly indicates the input My Number and requests the My Number Management Server 1 to inquire about account information (S30). This inquiry request is sent from the branch terminal 3 to the my number management server 1 via the gateway 6. The inquiry request includes my number, personal identification number, financial code, store number, subject, account number, and the like.

  Upon receiving the inquiry request from the branch terminal 3, the my number management server 1 performs user authentication (identity confirmation) (S31), and searches the account information table T10 using the my number as a key (S32).

  The my number management server 1 requests a balance inquiry from the host computer 7 of each financial institution corresponding to the account information associated with the my number, and confirms the latest balance of the account (S33, S34). ).

  Upon confirming the balance of the account information, the my number management server 1 generates a my number registration account list screen G10, which will be described later with reference to FIG. 10, and returns the result of the inquiry request to the branch terminal 3 (S35). The result notification includes the screen G10. The result notification is sent from the my number management server 1 to the branch terminal 3 via the gateway 6.

  The branch terminal 3 displays the result notification received from the my number management server 1 on a display or the like (S36). The operator selects any one or a plurality of account information from the displayed account list in accordance with a user (customer) request.

  When the account information is selected by the operator (S37), the store terminal 3 requests the my number management server 1 to execute a financial transaction (S38). The financial transaction execution request includes a My Number, a financial code, a store number, a subject, an account number, a transaction type (payment, deposit, transfer, etc.), and a personal identification number for using the My Number Management Server 1.

  Upon receiving a financial transaction request from the branch terminal 3, the my number management server 1 searches the account information table T10 and obtains a user ID and a password for accessing the host computer 7. The my number management server 1 requests the host computer 7 to execute a financial transaction by clearly indicating the user ID, password, and transaction details (S39).

  The host computer 7 authenticates whether the user ID and password included in the request from the my number management server 1 are correct (S40). If the authentication is successful, the host computer 7 checks the account requested to execute the transaction (S41). ). When the host computer 7 determines that the transaction cannot be performed due to a shortage of balance (S41: NO), the host computer 7 notifies that the transaction cannot be performed. The notification is transmitted from the host computer 7 to the branch terminal 3 via the my number management server 1 and the gateway 6 (S44).

  On the other hand, when the host computer 7 determines that the account is a tradeable account (S41: YES), the host computer 7 executes the requested transaction (S42) and returns the processing result. The transaction result notification is sent from the host computer 7 to the branch terminal 3 via the My Number management server 1 and the gateway 6 (S43).

  8 and 9 show a case where the gateway 6 does not intervene in the processing. FIG. 8 is a flowchart showing a process of registering (updating) my number and account information in the my number management server 1. Here, the home PC 4 and the mobile terminal 5 are taken as examples of terminals. The flowcharts of FIGS. 8 and 9 are also applied when the ATM 2 or the branch office terminal 3 communicates directly with the My Number management server 1 without going through the gateway 6.

  A user who is a customer of a financial institution can check whether his / her account information is registered in the My Number Management Server 1 or can update account information registered in the My Number Management Server 1. .

  The user operates the home PC 4 (mobile terminal 5) and requests the my number management server 1 to confirm the registration status (S50). This registration status confirmation request includes a My Number, a financial code, a store number, a subject, an account number, etc., and a personal identification number for confirming the person.

  When receiving the registration status confirmation request, the my number registration account management unit 100 of the my number management server 1 authenticates the user based on the my number and the personal identification number included in the request (S51). The my number registration account management unit 100 searches the account information table T10 using the received information (my number, financial code, store number, subject, account number, etc.) as a key (S52), and the search result is sent to the home PC 4 (mobile terminal 5). ) (S53).

  On the display of home PC 4 (mobile terminal 5), a result screen for the registration status confirmation request is displayed (S54). When updating the account information, the user inputs the updated contents to the home PC 4 (mobile terminal 5). The home PC 4 (mobile terminal 5) receives the content input by the user (S55).

  The home PC 4 (mobile terminal 5) transmits an update request including the update contents and my number, financial code, store number, subject, account number, remarks, reserved amount, password, etc. to the my number management server 1 ( S56).

  When the authentication process (not shown) is successful, the my number management server 1 inquires the host computer 7 for information on the account requested to be updated (S57, S58).

  When the same My Number as the My Number included in the update request exists in the account information table T10, the My Number management server 1 additionally registers account information for the My Number and updates the account information table T10. (S59). When the my number included in the update request does not exist in the account information table T10, the my number management server 1 executes new registration and updates the account information table T10 (S59).

  When updating the account information table T10, the my number management server 1 returns the processing result of the update request to the home PC 4 (mobile terminal 5) (S60).

  FIG. 9 is a flowchart showing a process of making a financial transaction with the host computer 7 from the home PC 4 (mobile terminal 5) via the my number management server 1.

  The home PC 4 (mobile terminal 5) specifies the My Number input by the user and requests the My Number Management Server 1 to make an account information inquiry (S70). The inquiry request includes my number, personal identification number, financial code, store number, subject, account number, and the like.

  When receiving the inquiry request from the home PC 4 (mobile terminal 5), the my number management server 1 performs user authentication (identity confirmation) (S71), and searches the account information table T10 using the my number as a key (S72).

  The my number management server 1 requests a balance inquiry from the host computer 7 of each financial institution corresponding to the account information associated with the my number, and confirms the latest balance of the account (S73, S74). ).

  When confirming the balance of the account information, the my number management server 1 generates a my number registration account list screen G10 and returns the result of the inquiry request to the home PC 4 (mobile terminal 5) (S75). The result notification includes the screen G10.

  The home PC 4 (mobile terminal 5) displays the result notification received from the my number management server 1 on a display or the like (S76). The user selects any one or a plurality of account information from the displayed account list.

  When the account information is selected by the user (S77), home PC 4 (mobile terminal 5) requests my number management server 1 to execute a financial transaction (S78). The financial transaction execution request includes a My Number, a financial code, a store number, a subject, an account number, a transaction type (payment, deposit, transfer, etc.), and a personal identification number for using the My Number Management Server 1.

  Upon receiving a financial transaction request from the home PC 4 (mobile terminal 5), the my number management server 1 searches the account information table T10 and acquires a user ID and a password for accessing the host computer 7. Then, the my number management server 1 requests the host computer 7 to execute a financial transaction by clearly indicating the user ID, password, and transaction details (S79).

  The host computer 7 authenticates whether the user ID and the personal identification number included in the request from the my number management server 1 are correct (S80). If the authentication is successful, the host computer 7 checks the account requested to execute the transaction (S81). ). If the host computer 7 determines that the transaction cannot be performed due to a shortage of balance (S81: NO), the host computer 7 notifies the home PC 4 that the transaction cannot be performed (S84).

  If the host computer 7 determines that the account is a tradeable account (S81: YES), the host computer 7 executes the requested transaction (S82) and transmits the processing result to the home PC 4 (mobile terminal 5) (S83).

  When the home PC 4 (mobile terminal 5) makes a financial transaction with the host computer 7, it may go through the My Number Management Server 1 as shown in FIG. 9 (S78, S79) or via the My Number Management Server 1. Instead, it may communicate directly with the host computer 7. In the latter case, the end of step S78 extends to a line indicating the host computer 7, and the arrow shown in step S79 is deleted.

  FIG. 10 shows an example of my number registration account list screen G10. This screen G10 is a screen for presenting information of each account associated with the user's My Number in a list format to the user.

  The screen G10 includes, for example, a selection field GP10, a bank name field GP11, a branch name field GP12, an account type GP13, an available balance field GP14, an actual balance field GP15, an authentication information registration field GP16, a remarks field GP17, a condition change button GP18, An OK button GP19 is provided.

  The selection column GP10 is a column for selecting an account used for a financial transaction and an account whose conditions are to be changed. The bank name column GP11 corresponds to the financial code C1030 of the account information table T10. The branch name column GP12 corresponds to the store number C1031 of the account information table T10. The account type GP13 corresponds to the subject C1032 of the account information table T10.

  The available balance column GP14 indicates the amount obtained by subtracting the amount to be secured set in advance by the user from the actual balance (GP15). The actual balance column GP15 is an actual balance possessed by the account information. For example, when the actual balance of a certain account is 100,000 yen, if the user sets 10,000 yen as the amount to be secured in the account, 90,000 yen is displayed in the usable balance column GP14.

  The authentication information registration column GP16 is a flag indicating whether or not authentication information (user ID, password, vein pattern, etc.) necessary for performing a financial transaction with the selected account is registered in the my number management server 1. When information necessary for personal authentication at a financial institution is registered in the my number management server 1, the user can make a financial transaction with the host computer 7 via the my number management server 1.

  The remarks column GP17 displays other information about the account. The other information includes, for example, the purpose of use of the account and the amount to be secured in the account.

  The condition change button GP18 is a button for changing the display order of account information. In FIG. 10, the account information is displayed in the descending order of available balances. Instead of this, the account information can be rearranged in the order of increasing actual balance, order of increasing transaction frequency, order of increasing points added according to the transaction, and the like.

  The OK button GP19 is a button for confirming selection of account information used for the transaction.

  According to this embodiment configured as described above, the user can register one user identification called My Number by registering his / her account information in advance with My Number Management Server 1 in association with My Number. With the information, each account of the financial institution owned by the user can be centrally managed. A user can easily manage a plurality of accounts by managing my number (my number card), and usability is improved.

  Since the user can select desired account information from the inquiry result to the my number management server 1 and instruct a financial transaction, it is not necessary to carry a card for each financial institution, and user convenience is improved.

  The user can freely change whether or not the account inquiry by the my number is enabled among the account information associated with the my number (valid / invalid C1035 in FIG. 5). Therefore, the user can separate the account used for sudden financial transactions such as shopping in a shopping street and the account used only for predetermined deposits and withdrawals, and can be managed centrally by My Number. Improves.

  By referring to the available balance column GP14 displayed on the my number registration account list screen G10, the user can appropriately select an account suitable for a transaction to be performed, and usability is improved.

  In addition, this invention is not limited to embodiment mentioned above. A person skilled in the art can make various additions and changes within the scope of the present invention. For example, the predetermined identification information given by a public institution is not limited to My Number, but is a trust that does not change over a long period of time, such as a car license number, health insurance card number, passport number, A unique number can be used.

  1: My number management server, 2: ATM, 3: Branch office terminal, 4: Home PC, 5: Mobile terminal, 6: Gateway, 7: Host computer

Claims (7)

A financial transaction execution support device that supports execution of a financial transaction by a user using a computer system,
The computer system includes:
Obtain the specific identification information given to each user from the public institution,
Account information of one or more financial institutions held by each user and the predetermined identification information are associated with each other and managed in a storage device,
Upon receiving an inquiry request that specifies the predetermined identification information from a terminal via a communication network, the account information corresponding to the predetermined identification information related to the inquiry request is retrieved from the storage device,
Select predetermined account information from the searched account information,
Transmitting selection information including the selected predetermined account information to the terminal;
Financial transaction execution support device. The predetermined account information is account information that is set to allow financial transactions among the searched account information.
The financial transaction execution support apparatus according to claim 1. The computer system includes:
By obtaining a balance information of the predetermined account information by inquiring to a financial institution corresponding to the predetermined account information,
Generating the selection information by associating the predetermined account information with the balance information, and transmitting the selection information to the terminal;
The financial transaction execution support apparatus according to claim 2. The computer system includes:
Managing the amount of money to be secured for the predetermined account information in advance,
Calculate an available balance by subtracting the amount to be secured from the balance information,
Generating the selection information by associating the predetermined account information with the available balance, and transmitting the selection information to the terminal;
The financial transaction execution support device according to claim 3. The computer system includes:
Managing the account information, the predetermined identification information, and authentication information necessary for dealing with the financial institution using the account information in association with the storage device,
Upon receiving a financial transaction request for the predetermined account information from the terminal, the authentication information corresponding to the predetermined account information is searched from the storage device,
Using the retrieved authentication information, access a computer of a financial institution corresponding to the predetermined account information,
Requesting the financial transaction requested from the terminal from the computer of the financial institution;
Sending the financial transaction result information received from the computer of the financial institution to the terminal;
The financial transaction execution support device according to any one of claims 1 to 4. The predetermined identification information is any one of a personal identification number issued by the government to each citizen, a car license number, a health insurance card number, and a passport number.
The financial transaction execution support device according to any one of claims 1 to 4. A financial transaction execution support method for supporting execution of a financial transaction by a user using a computer system,
The computer system includes:
Obtain the specific identification information given to each user from the public institution,
Account information of one or more financial institutions held by each user and the predetermined identification information are associated with each other and managed in a storage device,
Upon receiving an inquiry request that specifies the predetermined identification information from a terminal via a communication network, the account information corresponding to the predetermined identification information related to the inquiry request is retrieved from the storage device,
Select predetermined account information from the searched account information,
Transmitting selection information including the selected predetermined account information to the terminal;
Financial transaction execution support method.

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