JP2018055344A - Financial institution transaction processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial institution transaction processing device for improving customer attracting force of financial institution services by enabling financial transactions using account identification information desired by a user and improving convenience when the user use a financial institution.SOLUTION: The device includes the means of: accepting account identification information that a user desires to use; registering an account number about an account owned by the user and desired account identification information by associating each other in storage means for storing the account number and the account identification information by associating each other; receiving a financial transaction request for requesting prescribed financial transaction processing to be performed to an account identified by the account identification information; extracting the account number stored in association with the account identification information included in the financial transaction request in the storage means; and generating processing instruction information for performing the prescribed financial transaction processing to the account identified by the extracted account number.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a technology that enables a user to use what is desired as identification information for an account opened in a financial institution.

  For transactions that use financial institution accounts (hereinafter sometimes referred to simply as “financial transactions”), the deposit of funds into the account, the withdrawal of funds from the account, the funds deposited in the account to other There are transfer transactions and transfer transactions to be transferred to the account.

  In financial transactions using financial institution accounts as described above, an account number is used to identify the target account, but the account number is automatically assigned when the account is opened, Numbers are enumerated. Therefore, the account number is difficult for the user to remember, and it is very difficult for the user to remember the account number when transmitting it to a third party. As a result, a specific mistake in the target account occurs, or the attractiveness of the service provided by the financial institution is diminished.

  On the other hand, financial transactions in recent years have been realized through computer systems. However, computer systems related to financial transactions have been actively researched and developed for the purpose of improving the convenience of customers and financial institutions. Yes. For example, Patent Document 1 proposes a technique for providing a parent account and a child account to improve the efficiency of transfer person identification in the transfer process, and Patent Document 2 provides a specific account and a related account, and transaction information for the related account. Has been proposed to reflect this in a specific account.

JP 2000-82101 A JP 2000-132611 A

  However, the above-described conventional technology has a problem that the user himself or a third party who has a transaction with the user cannot sufficiently satisfy the need to specify the account to be processed more easily. there were.

  Accordingly, in the present invention, in view of the above problems, financial transactions using account identification information desired by the user are made possible, and the convenience of the user when using the financial institution is improved, and thereby the customer attraction of the financial institution service. An object of the present invention is to provide a financial institution transaction processing apparatus that improves the performance.

  One form of the disclosed financial institution transaction processing apparatus is account identification information that is information for identifying the account, which is different from an account number for identifying the account, and the account identification information that the user desires to use is used. Desired ID receiving means for accepting, and account information storage means for storing the account number and the account identification information in association with each other, correlating the account number related to the account owned by the user with the desired account identification information In the account information registration means for registering, the transaction request accepting means for accepting a financial transaction request for performing a predetermined financial transaction processing for the account identified by the account identification information, and the account information storage means, Correspondence number extracting means for extracting the account number stored in association with the account identification information included in the financial transaction request; Characterized by having a a processing command generating means for generating a processing instruction information for the predetermined financial transaction processing on the bank account identified by the extracted the account number by means.

  The disclosed financial institution transaction processing device enables financial transactions using the account identification information desired by the user, improving the convenience of the user when using the financial institution, and thereby improving the customer attraction of financial institution services Let

It is a figure explaining the outline | summary of the financial institution transaction processing apparatus which concerns on this Embodiment. It is a functional block diagram of the financial institution transaction processing apparatus which concerns on this Embodiment. It is a figure which shows an example of the account identification information which concerns on this Embodiment. It is a figure which shows an example of the information memorize | stored in the account information storage means which concerns on this Embodiment. It is a figure explaining the process by the account information registration means which concerns on this Embodiment. It is a figure explaining the process by the corresponding number extraction means and process command generation means which concern on this Embodiment. It is a figure which shows the hardware structural example of the financial institution transaction processing apparatus which concerns on this Embodiment. It is a flowchart which shows the flow of an example of the registration process of the account identification information by the financial institution transaction processing apparatus which concerns on this Embodiment. It is a flowchart which shows the flow of an example of the transaction request response process by the financial institution transaction processing apparatus which concerns on this Embodiment.

DESCRIPTION OF EMBODIMENTS Embodiments for carrying out the present invention will be described with reference to the drawings.
(Operational principle of financial institution transaction processing apparatus according to this embodiment)

  The operation principle of the financial institution transaction processing apparatus (hereinafter simply referred to as “this apparatus”) 100 according to the present embodiment will be described with reference to FIGS. FIG. 1 is a diagram illustrating a connection relationship between the apparatus 100 and peripheral devices.

  As shown in FIG. 1, the present apparatus 100 is connected to a user terminal 300 operated by a user 290 via a communication network 310. Further, as will be described later, the present apparatus 100 may be connected to another apparatus 320 that executes a transaction using the account 210 of the financial institution.

  The apparatus 100 performs two phases of processing. In the first phase, the process of registering the account identification information 240 desired by the user 290 in the storage means 110 is performed, and in the second phase, the financial transaction request 270 including the registered account identification information 240 is made. Perform response processing.

  In the first phase, the apparatus 100 receives desired account identification information (a combination of numbers, characters, symbols, etc.) 240 from the user 290 and confirms whether or not it can be used, and then the account number 230 of the account 210 owned by the user 290 and The desired account identification information 240 is linked. The user 290 can set, for example, easy-to-remember account identification information 240 related to his / her business and account identification information 240 that can be used for a lifetime such as a date of birth, a mobile phone number, and a favorite word.

  In the second phase, when the apparatus 100 receives a request for a financial transaction including the registered account identification information 240, the apparatus 100 specifies an account number 230 corresponding to the account identification information 240. The identification information 240 is replaced with the specified account number 230.

  The request for the financial transaction in which the account identification information 240 is replaced with the corresponding account number 230 may be executed by the apparatus 100, and the request is notified to the other apparatus 320 responsible for the financial transaction process. And may be executed.

  By performing the processing as described above, the present apparatus 100 enables a financial transaction using the account identification information 240 desired by the user 290, and improves the convenience of the user 290 when using the financial institution. In addition, the apparatus 100 can thereby improve customer attraction of financial institution services and increase customer retention.

  FIG. 2 is a functional block diagram of the apparatus 100. As shown in FIG. 2, the apparatus 100 includes an account information storage unit 110, a desired ID reception unit 120, an already registered determination unit 130, an account information registration unit 140, a transaction request reception unit 150, a specific process determination unit 160, a corresponding number. An extraction unit 170 and a processing instruction generation unit 180 are included.

  The account information storage means 110 is automatically numbered when the account 210 is opened, and is an account number 230 in which a predetermined number of numbers are enumerated, and is different from the account number 230, and identifies the account 210. Are stored in association with each other.

  The account identification information 240 is information determined separately from the so-called account number 230 that is automatically determined when the account 210 is opened, and is information for identifying the account 210. The user 230 determines the contents. It is something that can be done. Further, while the account identification information 240 is a combination of numbers, characters, symbols, and the like as appropriate, the system designer can appropriately limit the information that can be used.

  As shown in FIG. 3, the account identification information 240 includes, for example, the name of a corporation (“EARNEST BUSINESS SOLUTION”, etc.), information related to the company's own business (“delicious meat”, “0004129” ”), Telephone number (“ ebs @ 03-5652-5600 ”, etc.).

  As illustrated in FIG. 4, the account information storage unit 110 stores, for example, an account number 230: “1234567” and account identification information 240: “EARNEST BUSINESS SOLUTION” in association with each other.

  The account information storage unit 110 may store the account number 230, the account identification information 240, and the second account identification information 250 for distinguishing the same account identification information 240 in association with each other. The second account identification information 250 is used to specify one account 210 even when a plurality of users 290 wish to use the same account identification information 240 and allow registration of the same account identification information 240. Information.

  As shown in FIG. 4, the account information storage unit 110 associates, for example, an account number 230: “2345678”, account identification information 240: “delicious meat”, and second account identification information 250: “001”. Remember.

  The account number 230 may include a branch identification information 220 that identifies a branch where the account 210 is opened. In this case, the account number 230 is a combination of the branch identification information 220 and the account number 230. Will be identified.

  As shown in FIG. 4, the account information storage means 110 associates, for example, branch identification information 220: “110 (store number)”, account number 230: “76554321”, and account identification information 240: “0004129”. Remember.

  Desired ID reception means 120 receives, from user terminal 300, account number 230 of account 210 owned by user 290 and information for identifying account 210, and account identification information 240 that user 290 desires to use. Accept. The account identification information 240 is information different from the account number 230 that identifies the account 210.

  As shown in FIG. 3, for example, the desired ID reception means 120 uses “EARNEST BUSINESS SOLUTION” (corporate name) as the account identification information 240 desired to be used, “delicious meat”, “0004129” (business) "Ebs @ 03-5652-5600" (phone number), etc. Note that the account identification information 240 is a combination of numbers, characters, symbols, etc., and may have any content as long as there is no restriction on system design.

  The already-registered determination unit 130 investigates whether or not the same account identification information 240 is previously registered in the account information storage unit 110 for the account identification information 240 received by the desired ID reception unit 120. This is to prevent duplicate registration of the account identification information 240.

  The already-registered determination unit 130 may be configured to investigate / determine the presence / absence of prior registration by paying attention only to the account identification information 240. The already-registered determination means 130 may be configured to investigate / determine the presence / absence of prior registration by paying attention to the combination of the branch identification number 220 and the account identification information 240. When the branch where the account 210 is opened is different, even the same account identification information 240 is allowed.

  The account information registration unit 140 registers (stores) in the account information storage unit 110 the account number 230 of the account 210 owned by the user 290 and the account identification information 240 received by the desired ID reception unit 120 in association with each other.

  As shown in FIG. 4, the account information registration unit 140 registers the account number 230: “1234567” and the account identification information 240: “EARNEST BUSINESS SOLUTION” in the account information storage unit 110 in association with each other. Further, as shown in FIG. 5A, the account information registration unit 140 stores branch identification information 220: “Kofunamachi branch or 105 (store number)”, account number 230: “1234567” in the account information storage unit 110. Account identification information 240: “EARNEST BUSINESS SOLUTION” may be registered in association with each other.

4 and 5B, the account information registration unit 140 stores the branch identification information 220: “130 (store number)”, the account number 230: “9877643”, the account in the account information storage unit 110. Identification information 240: “0004129” is associated and additionally registered. This is an example of allowing the same account identification information 240 when the branch where the account 210 is opened is different.
Further, in order to allow the same account identification information 240 to the same branch, the branch identification information 220 may be numbered. For example, when the account identification information 240: “0004129” has already been registered in the branch identification information 220: “130 (store number)”, the unused branch identification information 220: “991 (store number)” is used. The branch identification information 220: “991 (store number)” and the account identification information 240: “0004129” are registered in association with the branch identification information 220: “130 (store number)” and the account number 230: “237865”. You may do it.

  When the already-registered determination means 130 determines that there is pre-registration for the same account identification information 240, the account information registration means 140 stores the account number 230, account identification information 240, and second account identification information in the account information storage means 110. 250 may be registered (stored) in association with each other. Here, the second account identification information 250 registered by the account information registration means 140 is already stored (first) in association with the account identification information 240 received by the desired ID reception means 120 in the account information storage means 110. This information is different from the second account identification information 250.

  As shown in FIGS. 4 and 5 (c), the account information registration unit 140 stores the account number 230: “45567890”, account identification information 240: “delicious meat”, second account identification information in the account information storage unit 110. 250: “003” is additionally registered in association with each other. Note that the account information registration means 140 stores the second account identification information 250 “001” and “002” in advance for the account identification information 240: “delicious meat”. “003” different from the identification information 250 is registered as the second account identification information 250.

  Note that when the already-registered determination unit 130 determines that there is pre-registration for the same account identification information 240, the account information registration unit 140 may not perform the above registration process.

  The transaction request accepting unit 150 accepts a financial transaction request 270 requesting that a predetermined financial transaction processing 260 be performed on the account 210 identified by the account identification information 240 from the user terminal 300. The transaction request accepting unit 150 sends a financial transaction request 270 requesting the user terminal 300 to perform a predetermined financial transaction process 260 on the account 210 identified by the combination of the account identification information 240 and the second account identification information 250. It is good also as a form to accept.

  Here, the financial transaction processing 260 includes deposit deposit processing for depositing funds into the account 210, deposit withdrawal processing for withdrawing funds from the account 210, and transfer processing or transfer for transferring funds withdrawn from one account 210 to another account 210. Refers to processing etc.

  As shown on the left side of FIG. 6 (a), the transaction request accepting means 150 performs, for example, an execution related to the transaction 260 for depositing “10,000 yen” into the account 210 identified by the account identification information 240: “EARNEST BUSINESS SOLUTION”. The request 270 is accepted. Further, the transaction request accepting unit 150 accepts an execution request 270 related to the transaction 260 for extracting “10,000 yen” from the account 210 identified by the account identification information 240: “EARNEST BUSINESS SOLUTION”, for example.

  As shown on the left side of FIG. 6 (b), the transaction request receiving means 150, for example, from the account 210 identified by a combination of account identification information 240: “delicious meat” and second account identification information 250: “001”. Account number 230: Accepts an execution request 270 related to transaction 260 for transferring "10,000 yen" to "123456". Further, the transaction request accepting means 150, for example, uses the account identification information 240: “delicious meat” from the account 210 identified by the combination of the account identification information 240: “delicious meat” and the second account identification information 250: “001”. And the second account identification information 250: the execution request 270 related to the transaction 260 for transferring "10,000 yen" to the account 210 identified by the combination of "002" is received.

  As shown on the left side of FIG. 6 (c), the transaction request accepting means 150, for example, from the account 210 identified by a combination of account identification information 240: “delicious meat” and second account identification information 250: “001”. The execution request 270 related to the transaction 260 for transferring “10,000 yen” to the other bank account 210 is accepted. Further, the transaction request receiving means 150, for example, transfers “10,000 yen” from the bank account 210 to the account 210 identified by the account identification information 240: “delicious meat” and the second account identification information 250: “001”. An execution request 270 related to the transaction 260 is received.

  The specific process determining unit 160 determines whether or not the account identification information 240 is included in the financial transaction request 270 received by the transaction request receiving unit 150. The determination method by the specific process determination unit 160 includes a mode for receiving a notification to that effect from the user terminal 300, a mode for determining based on information indicating that in the financial transaction request 270, and an account 210 included in the financial transaction request 270. Although the form etc. which judge based on whether the information to specify are memorize | stored in the account information storage means 110 are assumed, the other form may be sufficient. The specific process determining unit 160 performs a process for distinguishing between the process proposed by the present invention and a general financial transaction process that has been conventionally performed.

  When the specific process determining unit 160 determines that the account identification information 240 is included in the financial transaction request 270, processing by a corresponding number extracting unit 170 and a processing command generating unit 180 described later is performed.

  Corresponding number extraction unit 170 extracts account number 230 stored in account information storage unit 110 in association with account identification information 240 included in financial transaction request 270. Corresponding number extraction means 170 extracts account number 230 stored in account information storage means 110 in association with the combination of account identification information 240 and second account identification information 250 included in financial transaction request 270.

  As shown in FIGS. 4 and 6A, the corresponding number extracting unit 170 extracts, for example, the account number 230: “1234567” corresponding to the account identification information 240: “EARNEST BUSINESS SOLUTION”.

  As shown in FIGS. 4 and 6 (b), the corresponding number extracting unit 170, for example, has an account number 230 corresponding to a combination of account identification information 240: “delicious meat” and second account identification information 250: “001”. : “2345678” is extracted.

  As shown in FIGS. 4 and 6 (b), the corresponding number extraction unit 170, for example, has an account number 230 corresponding to a combination of account identification information 240: “delicious meat” and second account identification information 250: “002”. : “3456789” is extracted.

  The processing command generation unit 180 performs a process of replacing the account identification information 240 included in the financial transaction request 270 received by the transaction request receiving unit 150 with the account number 230 extracted by the corresponding number extraction unit 170. Command information 280 is generated. The processing command generation unit 180 has the account number 230 extracted by the corresponding number extraction unit 170 for the account identification information 240 and the second account identification information 250 included in the financial transaction request 270 received by the transaction request reception unit 150. The processing instruction information 280 is generated.

  In this way, the processing command generation unit 180 generates processing command information 280 for performing a predetermined financial transaction processing 260 for the account 210 identified by the account number 230 extracted by the corresponding number extraction unit 170. The processing command information 280 is a command for causing a device (system) that performs processing for the account 210 of the financial institution to execute a predetermined financial transaction processing 260.

  As shown in FIG. 6A, the processing command generation means 180, for example, stores processing command information 280 related to a transaction 260 for depositing “10,000 yen” into the account 210 identified by the account number 230: “1234567”. Generate. Further, the processing command generation unit 180 generates processing command information 280 related to the transaction 260 for extracting “10,000 yen” from the account 210 identified by the account number 230: “1234567”, for example.

  As shown in FIG. 6B, for example, the processing command generation unit 180 transfers “10,000 yen” from the account 210 identified by the account number 230: “2345678” to the account number 230: “1234567”. Processing instruction information 280 related to 260 is generated. In addition, the processing command generation unit 180 transfers, for example, a transaction 260 for transferring “10,000 yen” from the account 210 identified by the account number 230: “2345678” to the account 210 identified by the account number 230: “3456789”. Such processing instruction information 280 is generated.

  As shown in FIG. 6C, the processing command generation unit 180 relates to a transaction 260 for transferring “10,000 yen” from the account 210 identified by the account number 230: “2345678” to the other bank account 210, for example. Processing instruction information 280 is generated. Further, the processing command generation unit 180 generates processing command information 280 related to the transaction 260 for transferring “10,000 yen” from the bank account 210 to the account 210 identified by the account number 230: “2345678”, for example.

  When the apparatus 100 is an apparatus that performs processing on the deposit account 210 of the financial institution, the apparatus 100 executes the processing command information 280 generated by the processing command generation unit 180 and performs financial processing on the account 210 that is the processing target. Complete the transaction.

  On the other hand, when the other device 320 is a device (system) that performs processing on the account 210 of the financial institution, the present device 100 notifies the other device 320 of the processing command information 280 generated by the processing command generation unit 180 and executes it. The financial transaction for the account 210 to be processed is completed.

By performing the processing as described above, the present apparatus 100 enables a financial transaction using the account identification information 240 desired by the user 290, and improves the convenience of the user 290 when using the financial institution. In addition, the apparatus 100 thereby improves the customer attraction of financial institution services and increases the customer retention rate.
(Hardware configuration of financial institution transaction processing apparatus according to this embodiment)

  A hardware configuration example of the apparatus 100 will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of the hardware configuration of the apparatus 100. As illustrated in FIG. 7, the apparatus 100 includes a CPU (Central Processing Unit) 410, a ROM (Read-Only Memory) 420, a RAM (Random Access Memory) 430, an auxiliary storage device 440, a communication I / F 450, and an input device 460. An output device 470 and a recording medium I / F 480.

  The CPU 410 is a device that executes a program stored in the ROM 420. The CPU 410 performs arithmetic processing on the data expanded (loaded) in the RAM 430 in accordance with instructions of the program and controls the entire apparatus 100. The ROM 420 stores programs and data executed by the CPU 410. When the CPU 410 executes a program stored in the ROM 420, the RAM 430 is loaded (loaded) with the program and data to be executed, and temporarily holds the operation data during the operation.

  The auxiliary storage device 440 is a device that stores an OS (Operating System) that is basic software, an application program according to the present embodiment, and the like together with related data. The auxiliary storage device 440 includes the account information storage unit 110 and is, for example, an HDD (Hard Disc Drive) or a flash memory.

  The communication I / F 450 is an interface that is connected to a communication network such as a wired / wireless local area network (LAN) or the Internet and exchanges data with other devices that provide a communication function.

  The input device 460 is a device for inputting data to the device 100 such as a keyboard. The output device (display device) 470 is a device composed of an LCD (Liquid Crystal Display) or the like, and functions as a user interface when the user uses the functions of the device 100 or makes various settings. is there. The recording medium I / F 480 is an interface for transmitting / receiving data to / from a recording medium 490 such as a CD-ROM, DVD-ROM, or USB memory.

Each unit included in the apparatus 100 may be realized by the CPU 410 executing a program corresponding to each unit stored in the ROM 420 or the auxiliary storage device 440. In addition, each unit included in the apparatus 100 may be configured such that processing related to each unit is realized as hardware. Further, the apparatus 100 can be read by reading a program according to the present invention from an external server device via the communication I / F 450 or by reading a program according to the present invention from the recording medium 490 via the recording medium I / F 480. Alternatively, the program may be executed.
(Processing example by financial institution transaction processing apparatus according to this embodiment)
(1) Processing for registering account identification information 240 desired by user 290 in storage means 110

  The flow of processing for registering the account identification information 240 desired by the user 290 in the storage unit 110 by the apparatus 100 will be described with reference to FIG. FIG. 8 is a flowchart showing an exemplary flow of account identification information registration processing by the apparatus 100.

  In S10, the desired ID receiving means 120 is the account number 230 of the account 210 owned by the user 290 and information for identifying the account 210 from the user terminal 300, and the account identification information 240 that the user 290 desires to use. , Is accepted.

  As shown in FIG. 3, for example, the desired ID reception means 120 uses “EARNEST BUSINESS SOLUTION” (corporate name) as the account identification information 240 desired to use, “delicious meat” and “ "0004129" (business slogan), "ebs @ 03-5652-5600" (phone number), etc. are accepted. Note that the account identification information 240 is a combination of numbers, characters, symbols, etc., and may have any content as long as there is no restriction on system design.

  In S20, the already-registered determination unit 130 checks whether the same account identification information 240 has been previously registered in the account information storage unit 110 for the account identification information 240 received in S10. This is to prevent duplicate registration of the account identification information 240.

  The already-registered determination unit 130 may be configured to investigate / determine the presence / absence of prior registration by paying attention only to the account identification information 240. The already-registered determination means 130 may be configured to investigate / determine the presence / absence of prior registration by focusing on the combination of the branch identification number 220 and the account identification information 240. When the branch where the account 210 is opened is different, the same account identification information 240 is allowed.

  Note that when the already-registered determination unit 130 determines that there is pre-registration for the same account identification information 240, the registration process of the account identification information 240 in S30 may not be performed.

  In S30, the account information registration unit 140 registers (stores) the account number 230 received in S10 and the account identification information 240 in association with each other in the account information storage unit 110.

  As shown in FIG. 4, the account information registration unit 140 registers the account number 230: “1234567” and the account identification information 240: “EARNEST BUSINESS SOLUTION” in the account information storage unit 110 in association with each other. Further, as shown in FIG. 5A, the account information registration unit 140 stores branch identification information 220: “Kofunamachi branch or 105 (store number)”, account number 230: “1234567” in the account information storage unit 110. Account identification information 240: “EARNEST BUSINESS SOLUTION” may be registered in association with each other.

  4 and 5B, the account information registration unit 140 stores the branch identification information 220: “130 (store number)”, the account number 230: “9877643”, the account in the account information storage unit 110. Identification information 240: “0004129” is associated and additionally registered. This is an example in which the same account identification information 240 is allowed when the branch where the deposit account 210 is opened is different.

  In S20, when the already-registered determination unit 130 determines that there is a prior registration for the same account identification information 240, the account information registration unit 140 stores the account number 230, the account identification information 240, and the second account in the account information storage unit 110. The identification information 250 may be registered (stored) in association with each other.

  As shown in FIGS. 4 and 5 (c), the account information registration unit 140 stores the account number 230: “45567890”, account identification information 240: “delicious meat”, second account identification information in the account information storage unit 110. 250: “003” is additionally registered in association with each other. Note that the account information registration means 140 has the second account identification information 250 “001” and “002” registered in advance for the account identification information 240: “delicious meat”. “003” different from the information 250 is registered as the second account identification information 250.

Through the processing as described above, the apparatus 100 can associate the account identification information 240 that the user 290 desires to use with the account number 230 of the deposit account 210 that the user 290 owns.
(2) Response processing when there is a financial transaction request 270 including the account identification information 240

  With reference to FIG. 9, the flow of response processing when there is a financial transaction request 270 including the account identification information 240 by the apparatus 100 will be described. FIG. 9 is a flowchart showing an exemplary flow of a financial transaction request response process by the apparatus 100.

  In S <b> 110, the transaction request receiving unit 150 receives a financial transaction request 270 requesting to perform a predetermined financial transaction processing 260 for the account 210 identified by the account identification information 240. Transaction request accepting means 150 may accept a financial transaction request 270 requesting that a predetermined financial transaction processing 260 be performed on an account 210 identified by a combination of account identification information 240 and second account identification information 250. .

  As shown on the left side of FIG. 6 (a), the transaction request accepting means 150 performs, for example, an execution related to the transaction 260 for depositing “10,000 yen” into the account 210 identified by the account identification information 240: “EARNEST BUSINESS SOLUTION”. The request 270 is accepted. Further, the transaction request accepting unit 150 accepts an execution request 270 related to the transaction 260 for extracting “10,000 yen” from the account 210 identified by the account identification information 240: “EARNEST BUSINESS SOLUTION”, for example.

  As shown on the left side of FIG. 6 (b), the transaction request receiving means 150, for example, from the account 210 identified by a combination of account identification information 240: “delicious meat” and second account identification information 250: “001”. Account number 230: Accepts an execution request 270 related to transaction 260 for transferring "10,000 yen" to "123456". Further, the transaction request accepting means 150, for example, uses the account identification information 240: “delicious meat” from the account 210 identified by the combination of the account identification information 240: “delicious meat” and the second account identification information 250: “001”. And the second account identification information 250: the execution request 270 related to the transaction 260 for transferring "10,000 yen" to the account 210 identified by the combination of "002" is received.

  As shown on the left side of FIG. 6 (c), the transaction request accepting means 150, for example, from the account 210 identified by a combination of account identification information 240: “delicious meat” and second account identification information 250: “001”. The execution request 270 related to the transaction 260 for transferring “10,000 yen” to the other bank account 210 is accepted. Further, the transaction request receiving means 150, for example, transfers “10,000 yen” from the bank account 210 to the account 210 identified by the account identification information 240: “delicious meat” and the second account identification information 250: “001”. An execution request 270 related to the transaction 260 is received.

In S120, the specific process determination unit 160 determines whether or not the account identification information 240 is included in the financial transaction request 270 received in S110. The determination method by the specific process determination unit 160 includes a mode for receiving a notification to that effect from the user terminal 300, a mode for determining based on information indicating that in the financial transaction request 270, and an account 210 included in the financial transaction request 270. Although the form etc. which judge based on whether the information to specify are memorize | stored in the account information storage means 110 are assumed, the other form may be sufficient.
When the specific process determination unit 160 determines that the account identification information 240 is included in the financial transaction request 270, the processes after S130 are executed.

  In S <b> 130, the corresponding number extraction unit 170 extracts the account number 230 stored in the account information storage unit 110 in association with the account identification information 240 included in the financial transaction request 270. Corresponding number extraction means 170 extracts account number 230 stored in association with the combination of account identification information 240 and second account identification information 250 included in financial transaction request 270 in account information storage means 110. It is also good.

  As shown in FIGS. 4 and 6A, the corresponding number extracting unit 170 extracts, for example, the account number 230: “1234567” corresponding to the account identification information 240: “EARNEST BUSINESS SOLUTION”.

  As shown in FIGS. 4 and 6 (b), the corresponding number extracting unit 170, for example, has an account number 230 corresponding to a combination of account identification information 240: “delicious meat” and second account identification information 250: “001”. : “2345678” is extracted.

  As shown in FIGS. 4 and 6 (b), the corresponding number extraction unit 170, for example, has an account number 230 corresponding to a combination of account identification information 240: “delicious meat” and second account identification information 250: “002”. : “3456789” is extracted.

  In S140, the processing command generation unit 180 performs processing to replace the account identification information 240 included in the financial transaction request 270 received in S130 with the account number 230 extracted by the corresponding number extraction unit 170, thereby processing command information 280 is generated. The processing command generation unit 180 has the account number 230 extracted by the corresponding number extraction unit 170 for the account identification information 240 and the second account identification information 250 included in the financial transaction request 270 received by the transaction request reception unit 150. The processing command information 280 may be generated by performing the processing to be replaced.

  By doing so, the processing command generation unit 180 generates processing command information 280 for performing a predetermined financial transaction processing 260 on the deposit account 210 identified by the account number 230 extracted by the corresponding number extraction unit 170. .

  As shown in FIG. 6A, the processing command generation means 180, for example, stores processing command information 280 related to a transaction 260 for depositing “10,000 yen” into the account 210 identified by the account number 230: “1234567”. Generate. Further, the processing command generation unit 180 generates processing command information 280 related to the transaction 260 for extracting “10,000 yen” from the account 210 identified by the account number 230: “1234567”, for example.

  As shown in FIG. 6B, for example, the processing command generation unit 180 transfers “10,000 yen” from the account 210 identified by the account number 230: “2345678” to the account number 230: “1234567”. Processing instruction information 280 related to 260 is generated. In addition, the processing command generation unit 180 transfers, for example, a transaction 260 for transferring “10,000 yen” from the account 210 identified by the account number 230: “2345678” to the account 210 identified by the account number 230: “3456789”. Such processing instruction information 280 is generated.

  As shown in FIG. 6C, the processing command generation unit 180 relates to a transaction 260 for transferring “10,000 yen” from the account 210 identified by the account number 230: “2345678” to the other bank account 210, for example. Processing instruction information 280 is generated. Further, the processing command generation unit 180 generates processing command information 280 related to the transaction 260 for transferring “10,000 yen” from the bank account 210 to the account 210 identified by the account number 230: “2345678”, for example.

  If the apparatus 100 is an apparatus responsible for processing for the financial institution's account 210 in S150, the apparatus 100 executes the processing command information 280 generated in S140 and completes the financial transaction for the account 210 to be processed. .

  In S150, when the other device 320 other than the device 100 is a device (system) responsible for processing for the account 210 of the financial institution, the device 100 notifies the other device 320 of the processing command information 280 generated in S140 and executes it. The financial transaction for the account 210 to be processed is completed.

  By performing the processing as described above, the present apparatus 100 enables a financial transaction using the account identification information 240 desired by the user 290, and improves the convenience of the user 290 when using the financial institution. In addition, the apparatus 100 thereby improves the customer attraction of financial institution services and increases the customer retention rate.

  Although the embodiment of the present invention has been described in detail above, the present invention is not limited to the specific embodiment, and various modifications are possible within the scope of the gist of the present invention described in the claims.・ Change is possible.

DESCRIPTION OF SYMBOLS 100 Financial institution transaction processing apparatus 110 Account information storage means 120 Desired ID reception means 130 Existing registration determination means 140 Account information registration means 150 Transaction request reception means 160 Specific process determination means 170 Corresponding number extraction means 180 Processing instruction generation means 210 Account 220 Branch Identification information 230 Account number 240 Account identification information 250 Second account identification information 260 Predetermined financial transaction processing 270 Financial transaction request 280 Processing command information 290 User 300 User terminal 310 Communication network 320 (execution of processing command information) Other device 410 CPU
420 ROM
430 RAM
440 Auxiliary storage device 450 Communication interface 460 Input device 470 Output device 480 Recording medium interface 490 Recording medium

Claims (13)

Account ID information that is information for identifying the account, which is different from the account number for identifying the account, and a desired ID receiving means for receiving the account identification information that the user desires to use;
Account information registration means for registering the account number related to the account owned by the user and the desired account identification information in association with the account information storage means for storing the account number and the account identification information in association with each other. When,
Transaction request accepting means for accepting a financial transaction request for requesting to perform predetermined financial transaction processing on the account identified by the account identification information;
In the account information storage means, corresponding number extraction means for extracting the account number stored in association with the account identification information included in the financial transaction request;
And a processing command generating unit that generates processing command information for performing the predetermined financial transaction processing for the account identified by the account number extracted by the corresponding number extracting unit. Institutional transaction processing equipment. Having already registered determination means for determining whether or not the desired account identification information received by the desired ID reception means is already stored in the account information storage means;
In the account information storage means, the account number and second account identification information for distinguishing the same account identification information as the account identification information are stored in association with each other, and are already stored by the registered determination means. If it is determined that
Information different from the second account identification information stored in association with the desired account identification information already stored in association with the account number and the desired account identification information by the account information registration means And register
The transaction request accepting unit accepts a financial transaction request for requesting to perform a predetermined financial transaction process on the account identified by a combination of the account identification information and the second account identification information;
The correspondence number extracting unit extracts the account number stored in the account information storage unit in association with a combination of the account identification information and the second account identification information included in the financial transaction request. The financial institution transaction processing apparatus according to claim 1.   The financial institution transaction processing apparatus according to claim 1, wherein the account number includes branch identification information for identifying a branch where the account is opened. Having a specific process determination means for determining whether or not the account identification information is included in the financial transaction request;
The process according to any one of claims 1 to 3, wherein when the specific process determination unit determines that the account identification information is included, the corresponding number extraction unit and the processing command generation unit perform processing. The financial institution transaction processing apparatus described.   5. The financial institution transaction processing apparatus according to claim 1, wherein the processing instruction information is executed by the financial institution transaction processing apparatus.   5. The financial institution transaction processing apparatus according to claim 1, wherein the processing instruction information is notified to another apparatus and executed. Desired ID reception means is account identification information which is information for identifying the account, which is different from the account number for identifying the account, and receiving the account identification information that the user desires to use;
The account information registration means associates the account number and the account identification information with the account information storage means for storing the account number and the account identification information in association with each other, and associates the account number and the desired account identification information with respect to the account owned by the user. Registering, and
A transaction request receiving means for receiving a financial transaction request for requesting to perform a predetermined financial transaction processing on the account identified by the account identification information;
Corresponding number extraction means extracts the account number stored in the account information storage means in association with the account identification information included in the financial transaction request;
Processing instruction generation means generating processing instruction information for performing the predetermined financial transaction processing for the account identified by the account number extracted by the corresponding number extraction means; Processing method. A step of determining whether or not the desired account identification information received by the desired ID receiving means is already stored in the account information storage means;
In the account information storage means, the account number and second account identification information for distinguishing the same account identification information as the account identification information are stored in association with each other, and are already stored by the registered determination means. If it is determined that
Information different from the second account identification information stored in association with the desired account identification information already stored in association with the account number and the desired account identification information by the account information registration means And register
The transaction request accepting unit accepts a financial transaction request for requesting to perform a predetermined financial transaction process on the account identified by a combination of the account identification information and the second account identification information;
The correspondence number extracting unit extracts the account number stored in the account information storage unit in association with a combination of the account identification information and the second account identification information included in the financial transaction request. The financial institution transaction processing method according to claim 7.   The financial institution transaction processing method according to claim 7 or 8, wherein the account number includes branch identification information for identifying a branch where the account is opened. Specific processing determining means includes a step of determining whether or not the account identification information is included in the financial transaction request;
The process according to any one of claims 7 to 9, wherein when the specific process determination unit determines that the account identification information is included, the corresponding number extraction unit and the processing command generation unit perform processing. The financial institution transaction processing method described.   11. The financial institution transaction processing method according to claim 7, wherein the processing instruction information is executed by the financial institution transaction processing apparatus.   The financial institution transaction processing method according to any one of claims 7 to 10, wherein the processing instruction information is notified to another apparatus and executed. A financial institution transaction processing program for causing a computer to execute the method according to any one of claims 7 to 12.

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