JP4847510B2 - Account management system and account management program - Google Patents

Description

  The present invention relates to an account management system and an account management program, and more particularly to an account management system and an account management program used in a financial institution system connected to an automatic teller machine (ATM, CD).

  When a deposit account is opened in a bank, ledger data is created in a database in the account system. The database in the accounting system stores ledger data 1000a, 1000b, 1000c,... Of a plurality of deposit accounts as shown in FIG. 7, and the accounting system stores the ledger data 1000a, 1000b, 1000c,.・ Manage deposit accounts based on Ledger data 1000a includes account attribute data 1001, card information data 1002, accident information data 1003, balance data 1004, transaction data 1005, and the like. The account attribute data 1001 is information for identifying a deposit account, and includes, for example, an account number, account name, and the like. The card information data 1002 includes information such as card issue information of a cash card issued for the deposit account and a password required for authentication. The accident information data 1003 is information relating to the accident of the deposit account, and includes, for example, information indicating that withdrawal of the deposit account using the cash card is stopped because the cash card is lost. The balance data 1004 is information indicating the balance of the deposit account. The transaction data 1005 is information indicating the history of individual deposits and withdrawals with respect to the deposit account.

  Automatic teller machines (ATMs) and automatic teller machines (CDs) are connected to the above account systems and can conduct transactions such as cash withdrawals using cash cards. it can. When dealing with a cash card, the account system extracts the ledger data 1000a, 1000b, 1000c,... Corresponding to the account attribute data such as the account number recorded on the cash card, and manages the account. Trading is possible.

  If you have a cash card, you can use the automated teller machine to withdraw cash from your deposit account, so if you lose your cash card, use it as soon as possible so that it cannot be misused by a third party. I need to stop. However, the person who lost the account number of the deposit account from which the cash card was issued is not always remembered. If you do not remember, extract the ledger data 1000 specified from information such as the name of the account, and record the accident information for stopping the use of the cash card as the accident information data 1003. Is possible.

  There is also a demand for issuing a plurality of cash cards that can be withdrawn from one deposit account with respect to a cash card that can be used in an automatic teller machine. In such a case, the depositor's agent issued an agent card for withdrawing the deposit on behalf of the principal. However, since only a limited number of cash cards that can be withdrawn, including agent cards, can be issued, it is not possible to respond to a request that a company wants to issue a large number of cash cards that can be withdrawn from one fund management account. It was. For example, if you want to be able to use a cash card when a company employee withdraws the cost required for work in cash, because the number of issued cards is not enough, It was necessary for the company to make a transfer in advance to the account designated by the employee.

  As a technique for increasing the number of cash cards that can be withdrawn from one deposit account, methods described in Patent Document 1 and Patent Document 2 are known. Patent Document 1 describes a deposit account management method in which the number of cash cards that can be withdrawn from one deposit account is increased by issuing a bank card with a branch number (branch number card). This branch number card records the deposit account identifier and branch number of the deposit account, and ATM reads these two pieces of information from the branch number card and identifies the branch number card by referring to the bank system. I have a deal.

  Patent Document 2 describes a method of managing a withdrawal from an ATM or the like by issuing a plurality of withdrawal cards to one deposit account. This withdrawal card contains the account number and card number of the deposit account. ATM reads these two pieces of information from the withdrawal card and identifies the withdrawal card by referring to the bank system. And doing business.

  Patent Document 3 describes a system that uses a virtual account cash card for depositing and withdrawing money from a head office account. The virtual account master data includes data of the head office account identifier and the head office account password.

Japanese Patent No. 3803322 Japanese Patent No. 3710094 JP 2008-242586 A

  However, in Patent Documents 1, 2, and 3, since the account number information of the deposit account is also recorded in the additionally issued cash card (branch number card, withdrawal card), a large number of cash cards are issued. There was a high possibility that the account number information of the deposit account was leaked, and there was a security problem.

  In addition, since the name cannot be registered with the additional issued cash card, if the additional issued cash card is lost, identify the lost cash card from the account name like a normal cash card. It was difficult to respond quickly to accidents. When an enterprise has an employee with a cash card, it is necessary to promptly process an accident report when the employee loses the cash card.

  Furthermore, in the system described in Patent Document 3, a virtual account management server for processing a virtual account use message is provided separately from a basic server for processing a normal account use message. For this reason, in the network part, it is necessary to pre-translate virtual account usage messages and normal account usage messages, and each server must perform processing, which requires significant changes to the existing system configuration. There is a problem in that.

  The present invention has been made in view of such a problem. The purpose of the present invention is to increase the security of a payment account while issuing a large number of cash cards corresponding to a single payment account. An object of the present invention is to provide an account management system and an account management program that can respond promptly to accident notification processing (payment stop) even if lost, and that do not require significant changes to the existing system configuration.

In order to achieve the above object, the present invention provides an account management system, which is an account management system, which is settlement account attribute data that is information for identifying a settlement account, and a password for the settlement account. A withdrawal account identifier for identifying a withdrawal request account and a withdrawal request account identifier for storing the settlement account ledger data including the balance data indicating the number and the balance of the settlement account for each settlement account Store the withdrawal request account ledger data for each withdrawal request account, including the account number of the withdrawal request, the PIN number of the withdrawal request account, and the settlement account linking information for identifying the settlement account for settlement of the withdrawal request account. A ledger data storage DB and an accounting online computer, and the accounting online computer is connected to an automatic teller machine that handles cash cards. The system online computer corresponds to the first means for receiving a withdrawal request including the account number stored in the cash card and the entered personal identification number from the automatic teller machine and the received account number. A second means for extracting the ledger data of the withdrawal request account from the ledger data storage DB, and a third means for judging from the withdrawal request account identifier that the extracted ledger data is the ledger data of the withdrawal request account Means, and if the withdrawal request account PIN and the input PIN are included in the withdrawal request account ledger data, if it is determined to be the withdrawal request account ledger data , Based on the settlement account linking information included in the extracted withdrawal request account ledger data, the automatic cash collection from the settlement account associated with the withdrawal request account. A fourth means for generating a payout request for paying out cash corresponding to the withdrawal request to the apparatus, and a withdrawal request from the settlement account to the automatic teller machine including the settlement account attribute data and the withdrawal request amount. The sixth means for accepting, and when the withdrawal request from the withdrawal request account is accepted, the settlement account ledger based on the settlement account attribute data included in the withdrawal request without authenticating with the PIN of the settlement account Seventh means for extracting data from the ledger data storage DB and payout is possible when the withdrawal request amount included in the withdrawal request is less than or equal to the amount of balance data contained in the extracted ledger data of the settlement account An eighth means for determining, a ninth means for updating balance data included in the ledger data of the settlement account determined to be payable, and a withdrawal request account different from the password of the settlement account. And a tenth means for transmitting a cash payout request to the automatic teller machine to which the personal identification number is inputted . Here, an automatic cash transaction apparatus is an apparatus used when cash is withdrawn using a cash card. For example, an automatic teller machine (ATM) or an automatic teller machine (CD) is used. is there.

According to a second aspect of the invention, the account management system according to claim 1, ledger data of the payment account, exits identifies the withdrawal request account is an account that accepts payment requests from the automated teller machine The withdrawal request account ledger further includes the withdrawal request account ledger data, the withdrawal request account ledger data indicating the withdrawal limit amount from the withdrawal request account, and the accounting online computer It is characterized by further comprising eleventh means for updating the withdrawal limit data of the withdrawal request account associated with the settlement account based on the withdrawal request account linking information.

According to a third aspect of the present invention, in the account management system according to the first or second aspect , the withdrawal request account is an account that does not perform an account process.

According to a fourth aspect of the present invention, in the account management system according to the second or third aspect , the account-related online computer is configured such that the amount requested to be withdrawn is a value of the withdrawal request account of the withdrawal request account extracted above. It further has a fifth means for determining that the withdrawal can be made when the amount is equal to or less than the amount of withdrawal limit data included in the ledger data, and the means for generating the withdrawal request is that the withdrawal is possible. A payout request is generated only for the determined case.

The invention according to claim 5 is the account management system according to any one of claims 1 to 4 , wherein the ledger data of the withdrawal request account includes a PIN number of the withdrawal request account and the withdrawal request account. Accident information indicating whether or not withdrawal with a cash card is stopped, and a PIN number included in the withdrawal request from the automatic teller machine and the ledger data of the withdrawal request account extracted by the second means Whether or not the twelfth means for determining whether or not the contained PIN number matches and the ledger data of the extracted withdrawal request account includes accident information indicating that withdrawal by cash card is to be stopped A thirteenth means for judging whether or not, the twelfth means judges that the passwords match, and the thirteenth means shows that the use of the cash card is suspended. If it is determined that the information does not include the late information, and performing a determination of said a third ledger data dispensing request account by means.

The invention according to claim 6 is the account management system according to any one of claims 1 to 5 , wherein the ledger data of the withdrawal request account includes information on an account name of the withdrawal request account, and the account 14th means which specifies the ledger data of the corresponding withdrawal request account from the name information, and records accident information indicating that withdrawal by the cash card is stopped in the identified ledger data, .

The invention according to claim 7 is an account management program used in a financial institution system comprising a ledger data storage DB and an account online computer connected to an automatic teller machine that handles a cash card, wherein the ledger data The storage DB stores settlement account ledger data including settlement account attribute data, which is information for identifying a settlement account, a PIN number of the settlement account and balance data indicating the balance of the settlement account, for each settlement account. A withdrawal request account identifier for identifying the withdrawal request account, an account number of the withdrawal request account, a PIN number of the withdrawal request account, and a settlement account for settlement of the withdrawal request account And store the ledger data of the withdrawal request account including the settlement account linking information to be stored for each withdrawal request account. A first means for receiving a cash card withdrawal request and an account number from the automatic teller machine, and extracting the corresponding withdrawal request account ledger data from the ledger data storage DB based on the received account number Second means for performing, third means for judging from the withdrawal request account identifier that the extracted ledger data is the ledger data of the withdrawal request account, and when determining that the extracted ledger data is the ledger data of the withdrawal request account; Based on the settlement account linking information included in the ledger data of the extracted withdrawal request account, the cash corresponding to the withdrawal request is sent from the settlement account associated with the withdrawal request account to the automatic teller machine. A fourth means for generating a withdrawal request to be withdrawn, accepting a withdrawal request from the settlement account to the automatic teller machine, including the settlement account attribute data and a withdrawal request amount; 6th means, when accepting a withdrawal request from the withdrawal request account, the settlement account ledger data based on the settlement account attribute data included in the withdrawal request without authenticating with the PIN of the settlement account Is extracted from the ledger data storage DB, and it is determined that the withdrawal is possible when the withdrawal request amount included in the withdrawal request is less than or equal to the amount of balance data contained in the extracted ledger data of the settlement account. Eighth means, ninth means for updating balance data included in the ledger data of a settlement account that has been determined to be payable, a withdrawal request account password that is different from the settlement account password entered It functions as a tenth means for transmitting a cash payout request to the automatic teller machine.

The invention according to claim 8 is the account management program according to claim 7 , wherein the ledger data of the settlement account identifies a withdrawal request account that is an account that accepts withdrawal requests from the automatic teller machine. The withdrawal request account ledger data further includes withdrawal limit data indicating a withdrawal limit amount from the withdrawal request account, and the accounting system online computer includes: It further functions as an eleventh means for updating the withdrawal limit data of the withdrawal request account associated with the settlement account based on the withdrawal request account linking information.

According to a ninth aspect of the present invention, in the account management program according to the seventh or eighth aspect , the withdrawal request account is an account that does not perform an account process.

The invention according to claim 1 zero, the account management system as claimed in any one of claims 1 to 5, the accounting system online computer, out of the withdrawal request account the withdrawal requested amount is the extracted The means for generating the withdrawal request is further operated as a fifth means for judging that withdrawal is possible when the amount is equal to or less than the amount of withdrawal limit data included in the ledger data of the withdrawal request account. account management program according to claim 8 or 9, characterized in that only generate a payout request for the case it is determined that the variable.

Invention of claim 1 1, in account management program according to claim 7 1 0, ledger data of the withdrawal request account, personal identification number and the withdrawal request for the withdrawal request account Further including accident information indicating whether or not withdrawal with a cash card of the account is stopped, and the account-based online computer is extracted by the PIN number included in the withdrawal request from the automatic teller machine and the second means A twelfth means for determining whether or not the personal identification number included in the ledger data of the withdrawal request account matches, and indicating that withdrawal by the cash card is stopped in the extracted ledger data of the withdrawal request account It is further made to function as thirteenth means for judging whether or not the accident information shown is included, and it is judged in the twelfth means that the personal identification numbers are coincident, and the thirteenth means In this case, when it is determined that the accident information indicating that the use of the cash card is suspended is not included, the third means determines that it is the ledger data of the withdrawal request account. And

The invention according to claim 1 2, in the account management program according to claim 7 1 1 of the ledger data dispensing request account includes information account holder of the withdrawal request account, The account system online computer identifies ledger data of the corresponding withdrawal request account from the account name information, and records accident information indicating that withdrawal by cash card is stopped in the identified ledger data. It is further characterized by functioning as a means.

  As described above, according to the present invention, a cash card is issued, the card issuance management, password management, and accident management are performed, and the account processing is performed without balance data and transaction data in the ledger data. Make a withdrawal by cash card through no withdrawal request account. The withdrawal request account that received the withdrawal request from the ATM performs card use authentication, but does not withdraw from its own account, but withdraws the ATM by making a withdrawal request to a predetermined settlement account. As a result, it is possible to issue a large number of cash cards corresponding to one payment account while improving security for the payment account, and even if the cash card is lost, the accident notification process (withdrawal suspension) can be handled quickly. Furthermore, account management can be performed without requiring significant changes to the existing system configuration.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The account management system and the account management program of the present invention are configured to withdraw from a settlement account using a cash card issued for a withdrawal request account provided separately from the settlement account. With such a configuration, if a plurality of withdrawal request accounts are provided separately from one settlement account and a cash card is issued, the number of cash cards that can be withdrawn from one settlement account can be increased. In addition, the settlement account and the cash card corresponding to the withdrawal request account are managed separately as separate accounts. If the cash card of the withdrawal request account is lost, the payment card will not be affected by the suspension of use of the cash card. Furthermore, since the payment account is paid out when a withdrawal request is made, the deposit amount can be collectively managed as balance data of the payment account. Furthermore, since it is not necessary for the cash card to have payment account information, the security of the payment account is high.

  In this embodiment, a certain company has an account for settlement, and a plurality of withdrawal request accounts for withdrawing from the settlement account are opened, and a cash card is issued for each withdrawal request account. An example will be described in which a plurality of employees are issued and used.

  FIG. 1 is a diagram showing an example of a financial institution system 100 suitable for implementing the account management program of the present invention. In FIG. 1, an automatic cash transaction apparatus (hereinafter referred to as ATM) 300 is connected to a financial institution system 100 of the present invention via a network 200. The network 200 is a network that realizes online transactions in known financial institutions.

  The ATM 300 includes a display unit, a key operation unit, a cash handling port, a cash card insertion port, a passbook insertion port, a transaction details discharge port, and the like. The user can input necessary information such as a personal identification number and a monetary amount from the key operation unit while confirming on the display unit.

  The financial institution system 100 receives various processing requests from the ATM 300, performs various processes, and transmits the results to the ATM 300. The financial institution system 100 includes a ledger data storage DB (online) that stores ledger data 10a, 10b, 10c,... For a plurality of withdrawal request accounts, and ledger data 20a, 20b, 20c,. Ledger DB) 110, and an accounting online computer (accounting online CP) 120 connected to the ATM and controlling the online ledger DB 110.

  The accounting online CP 120 includes an external storage device such as a CPU, RAM, ROM, and HDD (not shown), and performs processing described later. By executing an account management program to be described later, the account system online CP 12 functions as each of the above means.

  Here, the relationship between the account ledger data 10 and 20 stored in the online ledger DB 110 managed by the account management program will be described with reference to FIG. FIG. 2 is a diagram showing the relationship between the ledger data 10 and 20 stored in the online ledger DB 110. FIG. 2 shows, for example, ledger data relating to a certain company. The ledger data 20 of one settlement account and a withdrawal request account 10a as a plurality of withdrawal request accounts associated with the ledger data of this settlement account. 10b, 10c... Are shown. The online ledger DB 110 has a plurality of sets of settlement account ledger data and a plurality of withdrawal request accounts associated in this way. The ledger data 10a, 10b, 10c,... For a plurality of withdrawal request accounts in FIG. 2 and the ledger data 20 for one settlement account include settlement account linkage information 15 and withdrawal request account linkage information 26a described later. , 26b, 26c,... Here, the withdrawal request account is an account that accepts withdrawal requests from the ATM 300. This withdrawal request account does not have balance data and transaction data in the ledger data, and does not perform account processing. One settlement account is an account that withdraws money from its own account in response to a withdrawal request from the withdrawal request account. The account system online CP 120 performs account management by referring to and updating the ledger data 10a, 10b, 10c,... Of these withdrawal request accounts and the ledger data 20 of the settlement account.

  As shown in FIG. 2, the ledger data 10a, 10b, 10c,... For a plurality of withdrawal request accounts are account attribute data 11, card information data 12, accident information data 13, and withdrawal limit for each account. Data 14 and settlement account linking information 15 are included.

  The account attribute data 11 is information for identifying an account, and includes, for example, an account number, an account name, and an identifier (withdrawal request account identifier) indicating a withdrawal request account. The withdrawal request account identifier is a flag or the like given when the withdrawal request account is a withdrawal request account. Since the account name is included in the withdrawal request account ledger data 10a, 10b, 10c..., The accident notification process is requested from the account name even if the account number is unknown. Account can be specified.

  The card information data 12 includes information such as a password necessary for authentication of the cash card. The accident information data 13 is information relating to an accident in the account, and includes information indicating that withdrawal by the cash card is stopped because the cash card has been lost, for example.

  The withdrawal limit data 14 is information indicating the maximum amount that can be withdrawn using a cash card for the corresponding withdrawal request account. This withdrawal limit data is an amount obtained by subtracting the usage amount each time from the initially set withdrawal limit amount, which is different from the daily usage limit amount that can be used on a cash card per day. .

  The settlement account linking information 15 is information necessary for identifying a settlement account as a withdrawal source when a withdrawal request is accepted in the withdrawal request account, and includes, for example, an account number of the settlement account. It is. In the illustrated relationship, the account number of the settlement account 20 is stored as the settlement account linking information 15 in the ledger data 10a, 10b, 10c,... Of the plurality of withdrawal request accounts, and the plurality of withdrawal request accounts 10a, The settlement account 20 can be identified from 10b, 10c.

  As described above, the ledger data 10a, 10b, 10c,... Of the withdrawal request account has a configuration held in the conventional ledger data such as account attribute data, card information data, and accident information data, while Conventional ledger data (including the withdrawal request account identifier, the withdrawal limit data 14 and the settlement account linking information 15 and the balance data and transaction data are not included). A configuration different from that shown in FIG. 7 is provided. As described above, the ledger data 10a, 10b, 10c,... Of the withdrawal request account is an account that does not perform account processing because it does not include balance data and transaction data related to individual deposits / withdrawals.

  The settlement account ledger data 20 includes account attribute data 21, card information data 22, accident information data 23, balance data 24, transaction data 25, and withdrawal request account linking information 26a, 26b, 26c,. Yes. The account attribute data 21 is information for identifying an account, and includes, for example, an account number, account name, and the like. The card information data 22 includes information such as a password necessary for authentication of the cash card. The accident information data 23 is information related to an accident in the account, and includes information indicating that withdrawal of cash card is stopped because the cash card is lost, for example. The balance data 24 is information indicating the balance of the settlement account. The transaction data 25 is transaction information related to individual deposits / withdrawals. In this transaction data 25, in order to indicate which withdrawal request account has been withdrawn based on the withdrawal request, the corresponding transaction information includes the account of the withdrawal request account that made the withdrawal request. Account attribute information such as a number is added. Therefore, by referring to the transaction data 25, it is possible to grasp which withdrawal request account has been made from which withdrawal request account for a predetermined settlement account.

  The withdrawal request account linking information 26a, 26b, 26c is information necessary for identifying a withdrawal request account permitted as a withdrawal request source, and includes, for example, an account number of the withdrawal request account. . In the illustrated example, the account numbers of the withdrawal request accounts 10a, 10b, 10c,... Are stored as the withdrawal request account linking information 26a, 26b, 26c,. It is possible to identify that 10a, 10b, 10c,...

  As described above, the ledger data 20 of the settlement account includes the withdrawal request account linking information 26a, 26b, 26c..., And indicates that the withdrawal request is from the withdrawal request account as transaction data. It has a different structure from conventional ledger data (see FIG. 7) in that it includes information. Since the settlement account ledger data 20 includes withdrawal request account linking information 26a, 26b, 26c,..., The corresponding withdrawal request account 10a, 10b, 10c,. The establishment status (card issue status) can be checked collectively, and the usage status of the corresponding withdrawal request accounts 10a, 10b, 10c.

  Further, the withdrawal request account ledger data 10a, 10b, 10c,... And the settlement account ledger data 20, respectively, are the same as the existing ledger data, the account attribute data 11, 21 and the card information data 12, 22 respectively. And accident information data 13 and 23. Therefore, in the present account management system and account management program, it is possible to perform card use authentication by the same processing as in the case of existing ledger data using these data, so that it can be handled by the same server (account system online CP12). There is a feature in point. Since it can be handled by the same server, an existing system configuration can be used.

(Issue cash card for withdrawal request account)
Here, the flow until the cash card of the withdrawal request account is issued when the company applies for the service using the withdrawal request account will be briefly described with reference to FIG. First, a company applies to a bank to open a withdrawal request account for the service. At the time of application, the company name, the account number for settlement, and the e-mail address for contact are reported to the bank. The delivered contents are input to a bank computer (not shown, hereinafter simply referred to as a bank) that has received the application. At this time, the number of withdrawal request accounts can be specified.

  The bank that has received the application opens as many withdrawal request accounts as desired by the company with the company name (step S1). When opening a withdrawal request account, an area of withdrawal request account ledger data 10a, 10b, 10c,... Is created in the online ledger DB 110, and created in the account ledger data delivered as a settlement account. The withdrawal request account linking information 26a, 26b, 26c,... Corresponding to the withdrawal request account ledger data 10a, 10b, 10c,. Further, the bank notifies the account number of the withdrawal request account to the e-mail address for communication.

  The bank receives the notification of the account number of the withdrawal request account, logs in to the service, and the withdrawal request account number to be uploaded (screen input), the card user name added to the account name (employee) Name) and account information such as the withdrawal limit (step S2).

  The bank updates the ledger data 10a, 10b, 10c,... Of the withdrawal request account in the online ledger DB 110 to reflect the account information uploaded by the company (step S3). The name of the withdrawal request account is, for example, “card user name ☆ company name” such as “Taro Wakakusa ☆ Wakakusa Trading Co., Ltd.”. However, “☆” may be another symbol. As another aspect, it may be updated to “card user name” instead of “card user name ☆ company name”.

  At the stage where the account name is updated as “card user name ☆ company name”, the bank issues a cash card for a withdrawal request account dedicated for withdrawals with the card user name embossed (step S4). The company issues the cash card of the issued withdrawal request account to the employee, and notifies the employee of the temporary security code and the withdrawal limit. The personal identification number is issued as a temporary personal identification number, but the employee can change the personal identification number at the nearest ATM in the same manner as the ordinary personal identification number changing operation in ATM. It is preferable from the viewpoint of ensuring security that the temporary security code is not usable as a security code when performing a later-described withdrawal process using a cash card. In order to restrict the use of the temporary security code, for example, the card information data 12 includes a flag (temporary security flag) indicating whether or not the temporary security code is assigned, and the temporary security flag is described later. You can check it when you check your PIN. When the temporary password is given, a temporary password is set so as to indicate that the use is restricted. When the temporary password is changed from the temporary password, the temporary password is deleted.

(Use cash card for withdrawal request account)
Next, in the financial institution system 100 configured as described above, an operation based on this account management program when using a cash card of a withdrawal request account will be described with reference to FIGS. 4 and 5. Here, a case where a cash card corresponding to the ledger data 10a (see FIG. 2) of the withdrawal request account is used will be described as an example.

  Here, as described above, the withdrawal request account issues a cash card, performs issuance management / password management / accident management of the card, and has balance data in the ledger data 10a, 10b, 10c,. This is an account that does not perform account processing. In order to realize such a configuration, this account management program performs card authentication with the withdrawal request account when making withdrawals using the cash card of the withdrawal request account. Processed in the settlement account associated with the withdrawal request account received. First, card authentication processing in the withdrawal request account will be described with reference to FIG. FIG. 4 is a diagram showing the operation of the financial institution system 100 when using the cash card of the withdrawal request account at the ATM 300 connected to the financial institution system 100.

  In the ATM 300, when the cash card is inserted and the card PIN number and the information indicating the withdrawal process are input, the ATM 300 reads the account number stored in the cash card, and the bank card account number and PIN number are read. At the same time, a transaction start request such as a withdrawal process is transmitted to the account system online CP 120. When the account online CP 120 receives the account number of the cash card, the account online CP 120 determines whether or not it is an ATM withdrawal request (step S300), and if it is not an ATM withdrawal (step S300: No) Then, the processing proceeds to other processing (step S301) described later with reference to FIG.

  If it is determined in step S300 that it is an ATM withdrawal request (step S300: Yes), the account system online CP 120 performs a card password check process in which an input of a password is accepted in the ATM 300 (a twelfth means) (step S310). . Specifically, the account system online CP 120 searches and extracts the ledger data 10a including the account number matching the account number of the cash card as the account attribute data 11 from the online ledger DB 110, and the PIN number transmitted from the ATM 300 However, if it matches the password number included in the card information data 11 included in the ledger data 10a of the extracted withdrawal request account, it is determined that the password number is correct (12th means) (step S320). If it is not determined that the personal identification number is correct (step S320: No), the account system online CP 120 performs error processing (step S380). Specifically, in the error processing, the account system online CP 120 transmits to the ATM 300 that the transaction cannot be performed. Upon receiving the transmission, the ATM 300 displays to the user that the transaction is not possible, and the inserted cash card is discharged.

  If it is determined that the personal identification number is correct (step S320: Yes), the account online CP 120 further checks the accident information data 13 included in the ledger data 10a of the withdrawal request account extracted in step S310 (13th means). (S330) When there is no record of accident information such as “cash card usage suspended”, it is determined that there is no accident notification (13th means) (step S340). If it is determined that there is an accident notification (step S340: No), the billing system online CP 120 performs error processing (step S380).

  On the other hand, if it is determined that there is no accident notification (step S340: Yes), it is determined whether or not the inserted cash card belongs to a withdrawal request account (first means / second means / second 3 means) (step S350). If the withdrawal request account identifier flag of the account attribute data 11 included in the extracted ledger data 10a indicates that it is a withdrawal request account, it is determined to be a withdrawal request account. If it is determined that the account is not a withdrawal request account, a general account transaction process is performed (step S302). The general account transaction process is a process generally performed in an account transaction, which will not be described in detail here.

  If it is determined in step S350 that the account is a withdrawal request account, the account online CP 120 inquires of the withdrawal amount to the ATM 300 and accepts the withdrawal amount input in the ATM 300 (fifth means) (step S360). Since the input withdrawal amount is transmitted from the ATM 300 to the account online CP 120, the account online CP 120 determines that the withdrawal amount is included in the withdrawal request account ledger data 10a extracted in step S310. If it is equal to or less than the limit of the data 14, it is determined that it is within the withdrawal limit range (fifth means) (step S370). As a result of this processing, if it is not determined that the withdrawal amount for the withdrawal request is within the withdrawal limit range (step S370: No), the account system online CP 120 performs error processing (step S380).

  If it is determined that it is within the withdrawal limit range (step S370: Yes), the process proceeds to the settlement account process (step S303). As described above, in the account management system and the account management program, after performing card authentication processing such as a personal identification number check (step S310, step S320) and an accident report check (step S330, step S340) as in the case of a general account. If it is a withdrawal request account, it is characterized in that it checks the withdrawal limit (steps S360 and S370) and proceeds to the following settlement account processing.

  FIG. 5 is a diagram showing the settlement account process. First, the account system online CP 120 generates a payout request for requesting cash payout from the settlement account to the ATM 300 (fourth means) (step S400). Specifically, a withdrawal request including the settlement account linking information 15 included in the withdrawal request account ledger data 10a extracted in S300 and the withdrawal request amount checked in S360 and S370 is generated. In this way, in the present account management system and account management program, when a withdrawal request using a withdrawal request account cash card is received, the authentication process is performed on the withdrawal request account as shown in FIG. As shown in S400, the withdrawal request is characterized in that it is processed so as to be performed for a settlement account associated with the withdrawal request account that has received the withdrawal request.

  Further, as shown in FIG. 5, when the withdrawal request is generated, the account online CP 120 searches the settlement account ledger data 20 based on the settlement account linking information 15 included in the generated withdrawal request (first). 6 means / seventh means) (step S410). At this time, when the settlement account is searched and the ledger data 20 of the settlement account is hit, the settlement account ledger data 20 is extracted and the withdrawal request account 10a which is the withdrawal request source included therein is extracted. Corresponding withdrawal request account linking information 25a is specified and held.

  Next, the account online CP 120 compares the amount indicated by the balance data 24 of the ledger data 20 of the settlement account with the amount requested for withdrawal, and when the withdrawal request amount is less than or equal to the balance data 24, the balance data 24 The balance data 24 is updated with the amount obtained by subtracting the withdrawal request amount from (8th means / 9th means) (step S420).

  After updating the balance data 24, the account online CP 120 re-searches the withdrawal request account based on the withdrawal request account association information 26a held in step S410, and the ledger data 10a of the withdrawal request account. Is hit, the ledger data 10a of the withdrawal request account is extracted (step S430). When the withdrawal request account ledger data 10a is extracted, the account system online CP 120 calculates from the withdrawal limit stored as the withdrawal limit data 14 included in the extracted withdrawal request account ledger data 10a. The withdrawal limit data 14 is updated with the amount obtained by subtracting the current withdrawal request amount (11th means) (step S440).

  When the withdrawal limit data 14 is updated, the account system online CP 120 instructs the ATM 300 to pay the withdrawal amount (a cash withdrawal request) (tenth means) (step S450).

  As described above, in the present account management system and account management program, a settlement account that has received a withdrawal request from a withdrawal request account associated as a withdrawal request account that permits a withdrawal request performs a withdrawal process. Another characteristic is that the result is reflected in the withdrawal request account.

(Other processing of withdrawal request account)
If it is determined in step S310 in FIG. 4 that the withdrawal is not ATM (step S310: No), other processing of the withdrawal request account as shown in FIG. 6 is performed. This process includes, for example, requests from ATMs (withdrawal / password change), requests from corporate internet banking (addition of account name, withdrawal limit setting, cash card issuance), account system terminal (window Executed when receiving a request (setting / cancelling accident report) from the terminal.

  In FIG. 6, the account online CP 120 determines whether or not it is a request for setting a withdrawal limit based on the content of the received transaction start request (step S600). If it is determined that it is a request for setting a withdrawal limit (step S600: Yes), the account system online CP 120 makes withdrawals included in the ledger data 10a of the withdrawal request account extracted in step S300 of FIG. The limit amount data 14 is set to the limit amount included in the transaction start request (step S601). This update is preferably permitted only when a special number such as a preset authority code is included in the transaction start request. This is because the withdrawal limit management will not become complicated if the withdrawal limit cannot be changed freely.

  In the case of No in step S600, the account system online CP 120 further determines whether or not it is a request for issuing a cash card based on the content of the received transaction start request (step S610). If it is determined that the request is for issuing a cash card (step S610: Yes), the account online CP 120 performs the same processing as that for issuing a cash card for a general account (step S611). The cash card issuance process for a general account is a cash card issuance process generally performed in account transactions, which will not be described in detail here.

  In the case of No in step S610, the billing system online CP 120 determines whether or not it is a request for an accident report based on the contents of the received transaction start request (step S620). If it is determined that the request is for an accident report (step S620: Yes), the billing system online CP 120 performs the same process as the accident report for the general account (fourteenth means) (step S621). In the case of an accident report for a general account, the corresponding account number is specified from the account name of the account for which the accident report process is desired so that an accident report can be made even if the account number of that account is not immediately known when the cash card is lost. Accident information can be recorded. The record of the accident information is recorded from the accounting system terminal as information for stopping withdrawal by the cash card as the accident information data 12 of the ledger data 10a of the account desired to be notified of the accident. In this way, in the present account management system and account management program, an account for which an accident report is desired can be specified from the account name in the same way as a general account, so that it is possible to respond quickly to an accident.

  In the case of No in step S620, the account online CP 120 determines whether it is a request for changing the cash card PIN based on the content of the received transaction start request (step S630). If it is determined that the request is for changing the cash card PIN (step S630: Yes), the account online CP 120 performs the same process as changing the cash card PIN of the general account (step S631). The change process of the cash card code number of the general account is a process of changing the cash card code number generally performed in the account transaction, although not described in detail here.

  In the case of No in step S630, the account system online CP 120 determines whether or not it is a request for another allowable transaction based on the content of the received transaction start request (step S640). When it is determined that it is a request for another allowable transaction (step S640: Yes), the account system online CP 120 processes the requested allowable transaction (step S641).

  In the above embodiment, in the settlement account process, the account system online CP 120 performs the process of withdrawing from the settlement account (step S420), and then updates the withdrawal limit of the original withdrawal request account (step S430, Although the case where the ATM payment process (step S450) is performed after step S440) has been described as an example, the ATM payment process (step S450) is performed after performing the process of withdrawing from the settlement account (step S420). And the processing for updating the withdrawal limit of the original withdrawal request account (steps S430 and S440) may be performed in parallel.

  In the above embodiment, the case where the input of the withdrawal amount from the user is performed by the limit amount range checking process (S340) has been described as an example, but the withdrawal process is performed when the card is inserted in the ATM 300. It may be input at the same time as a request to that effect.

  According to the present invention described above, a bank card is issued, the card issuance management, password management, and accident management are performed, and an account that does not have balance data and transaction data in the ledger data and does not perform account processing is provided. By using the account, the account that received the withdrawal request from the ATM performs the card use authentication, but does not withdraw from the own account, but the withdrawal request within the prescribed withdrawal limit to the prescribed settlement account. As a result, it is possible to issue a large number of cash cards corresponding to a single payment account while increasing the security of the payment account, and respond quickly to accident notification processing (withdrawal of payments) even if the cash card is lost. In addition, it is possible to provide an account management program that can be managed without requiring significant changes to the existing system configuration.

  In addition, according to the present invention, it is possible to open a withdrawal request account for each target employee in a company or the like, and it is possible to have a cash card that can withdraw money according to the limit amount. . Even if the cash card is lost, it is possible to stop using only the withdrawal request account of the lost cash card. Even if it is possible to withdraw from multiple accounts, companies can manage their balances in a lump.

  In addition, according to the present invention, it is possible to register the account name of the withdrawal request account opened for each target employee in a company, including the employee name, and the withdrawal request account can be specified by the employee name. Become.

  In addition, according to the present invention, it is possible to set a withdrawal limit for a withdrawal request account opened for each target employee in a company, etc., and to facilitate management of corporate expenses such as business trip expenses. become.

It is a block diagram which shows the financial institution system suitable for implementing the account management program concerning one Embodiment of this invention. It is a figure for demonstrating the ledger data memorize | stored in online ledger DB concerning this invention. It is a figure which shows the process until the cash card of the withdrawal request account concerning this invention is issued. It is a figure which shows an example of the operation | movement based on the account management program at the time of cash card use of a withdrawal request account. It is a figure which shows an example of the operation | movement based on the account management program at the time of cash card use of a withdrawal request account. It is a figure which shows an example of the operation | movement based on the account management program about the other process of a payment request | requirement account. It is a figure for demonstrating the conventional ledger data.

Explanation of symbols

100 financial institution system 200 network 300 ATM
10a, 10b, 10c Withdrawal request account ledger data 20a, 20b, 20c Settlement account ledger data 110 Ledger data storage DB (online ledger DB)
120 Account Online Computer (Account Online CP)
11, 21 Account attribute data 12, 22 Card information data 13, 23 Accident information data 14 Withdrawal limit data 24 Balance data 25 Transaction data 15 Settlement account linkage information 26a, 26b, 26c Withdrawal request account linkage information

Claims (12)

Settlement account attribute data, which is information for identifying a settlement account, a PIN number of the settlement account and balance data indicating the balance of the settlement account, and store the settlement account ledger data for each settlement account, and also request a withdrawal A withdrawal request account identifier for identifying the account, an account number of the withdrawal request account, a PIN number of the withdrawal request account, and a settlement account string for identifying a settlement account for settlement of the withdrawal request account A ledger data storage DB that stores, for each withdrawal request account, ledger data of a withdrawal request account including attachment information, and an accounting online computer,
The account online computer is connected to an automatic teller machine that handles a cash card,
The accounting online computer is
A first means for receiving a withdrawal request including the account number stored in the cash card and the entered personal identification number from the automatic teller machine;
Second means for extracting the ledger data of the corresponding withdrawal request account from the ledger data storage DB based on the received account number;
Third means for judging from the withdrawal request account identifier that the extracted ledger data is the ledger data of the withdrawal request account;
When it is determined that it is the ledger data of the withdrawal request account, the extraction is performed when the PIN number of the withdrawal request account included in the extracted ledger data of the withdrawal request account matches the input PIN number. Based on the settlement account linking information included in the ledger data of the withdrawal request account, the cash corresponding to the withdrawal request is paid out to the automatic cash transaction apparatus from the settlement account associated with the withdrawal request account. A fourth means for generating a withdrawal request;
Sixth means for accepting a withdrawal request from a settlement account to the automatic teller machine, including the settlement account attribute data and a withdrawal request amount;
Upon accepting a withdrawal request from the withdrawal request account, the ledger data of the settlement account is stored in the ledger data storage DB based on the settlement account attribute data included in the withdrawal request without authenticating with the PIN of the settlement account. A seventh means for extracting from:
An eighth means for determining that the withdrawal is possible when the withdrawal request amount included in the withdrawal request is equal to or less than the amount of balance data included in the ledger data of the extracted settlement account;
A ninth means for updating balance data included in the ledger data of the settlement account determined to be payable;
And a tenth means for transmitting a cash withdrawal request to an automatic teller machine into which a password of a withdrawal request account different from the password of the settlement account is input. Account management system. The ledger data of the settlement account further includes withdrawal request account linking information for identifying a withdrawal request account that is an account that accepts withdrawal requests from the automatic teller machine,
The ledger data of the withdrawal request account further includes withdrawal limit data indicating a withdrawal limit amount from the withdrawal request account,
The accounting online computer further includes eleventh means for updating withdrawal limit data of a withdrawal request account associated with the settlement account based on the withdrawal request account linking information. The account management system according to claim 1.   The account management system according to claim 1, wherein the withdrawal request account is an account that does not perform account processing. The account online computer can withdraw when the amount requested for withdrawal is equal to or less than the amount of withdrawal limit data included in the ledger data of the withdrawal request account of the extracted withdrawal request account. And a fifth means for determining
4. The account management system according to claim 2, wherein the means for generating a payout request generates a payout request only when it is determined that a withdrawal is possible. The ledger data of the withdrawal request account further includes a personal identification number of the withdrawal request account and accident information indicating whether or not withdrawal with a cash card of the withdrawal request account is stopped,
A twelfth judgment is made as to whether or not the personal identification number included in the withdrawal request from the automatic teller machine matches the personal identification number included in the ledger data of the withdrawal request account extracted by the second means. Means,
A thirteenth means for determining whether or not the extracted ledger data of the withdrawal request account includes accident information indicating that withdrawal by a cash card is stopped;
When it is determined in the twelfth means that the passwords match, and in the thirteenth means, the accident information indicating that the use of the cash card is suspended is not included, The account management system according to any one of claims 1 to 4, wherein the third means determines that it is ledger data of a withdrawal request account. The ledger data of the withdrawal request account includes information on the name of the withdrawal request account,
14th means which specifies the ledger data of the corresponding withdrawal request account from the account name information, and records accident information indicating that withdrawal by the cash card is stopped in the identified ledger data. The account management system according to any one of claims 1 to 5. An account management program used in a financial institution system comprising a ledger data storage DB and an account online computer connected to an automatic teller machine handling a cash card,
The ledger data storage DB stores the settlement account ledger data including the settlement account attribute data, which is information for identifying the settlement account, the PIN number of the settlement account, and balance data indicating the balance of the settlement account, for each settlement account. A payment request account identifier for identifying the withdrawal request account, an account number of the withdrawal request account, a PIN number of the withdrawal request account, and a settlement for settlement of the withdrawal request account. Withdrawal request account ledger data including settlement account linking information identifying the account is stored for each withdrawal request account,
The accounting system online computer,
A first means for receiving a cash card withdrawal request and an account number from the automatic teller machine;
A second means for extracting the ledger data of the corresponding withdrawal request account from the ledger data storage DB based on the received account number;
Third means for judging from the withdrawal request account identifier that the extracted ledger data is the ledger data of the withdrawal request account;
If it is determined that the withdrawal request account ledger data, based on the settlement account linking information included in the extracted withdrawal request account ledger data, from the settlement account associated with the withdrawal request account 4th means which produces | generates the payment request | requirement which pays out the cash corresponding to the said withdrawal request to the automatic teller machine,
Sixth means for accepting a withdrawal request from a settlement account to the automatic teller machine, including the settlement account attribute data and a withdrawal request amount;
Upon accepting a withdrawal request from the withdrawal request account, the ledger data of the settlement account is stored in the ledger data storage DB based on the settlement account attribute data included in the withdrawal request without authenticating with the PIN of the settlement account. A seventh means of extracting from the
An eighth means for determining that a withdrawal can be made when a withdrawal request amount included in the withdrawal request is equal to or less than an amount of balance data included in the ledger data of the extracted settlement account;
A ninth means for updating balance data included in the ledger data of the settlement account determined to be payable;
An account management program that functions as a tenth means for transmitting a cash payout request to an automatic teller machine into which a password of a withdrawal request account different from a password of the settlement account is input . The ledger data of the settlement account further includes withdrawal request account linking information for identifying a withdrawal request account that is an account that accepts withdrawal requests from the automatic teller machine,
The ledger data of the withdrawal request account further includes withdrawal limit data indicating a withdrawal limit amount from the withdrawal request account,
The accounting system online computer further functions as eleventh means for updating withdrawal limit data of a withdrawal request account associated with the settlement account based on the withdrawal request account linking information. The account management program according to claim 7.   9. The account management program according to claim 7, wherein the withdrawal request account is an account that does not perform account processing. With the account online computer, withdrawal is possible when the amount requested for withdrawal is equal to or less than the amount of withdrawal limit data included in the ledger data of the withdrawal request account of the extracted withdrawal request account. Further function as a fifth means for determining
The account management program according to claim 8 or 9, wherein the means for generating a payout request generates a payout request only when it is determined that the withdrawal is possible. The ledger data of the withdrawal request account further includes a personal identification number of the withdrawal request account and accident information indicating whether or not withdrawal with a cash card of the withdrawal request account is stopped,
The accounting system online computer,
A twelfth judgment is made as to whether or not the personal identification number included in the withdrawal request from the automatic teller machine matches the personal identification number included in the ledger data of the withdrawal request account extracted by the second means. means,
Further functioning as thirteenth means for determining whether or not the extracted ledger data of the withdrawal request account includes accident information indicating that withdrawal by cash card is to be stopped,
When it is determined in the twelfth means that the passwords match, and in the thirteenth means, the accident information indicating that the use of the cash card is suspended is not included, The account management program according to any one of claims 7 to 10, wherein the third means determines that it is ledger data of a withdrawal request account. The ledger data of the withdrawal request account includes information on the name of the withdrawal request account,
The account system online computer identifies ledger data of the corresponding withdrawal request account from the account name information, and records accident information indicating that withdrawal by cash card is stopped in the identified ledger data. The account management program according to any one of claims 7 to 11, wherein the account management program is further made to function as the following means.

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