JP4905035B2 - Transaction management program - Google Patents

Description

  The present invention relates to a transaction management program, and particularly manages deposit account transactions in accordance with user transaction instructions input from a terminal device including a user terminal and an automatic teller machine held by a user connected via a network. It relates to a transaction management program.

  Conventionally, when a user conducts transactions such as cash withdrawals and deposits from his / her own bank account, or transfers to other bank account, an automated teller machine (Automatic Teller Machine installed at a bank office, etc.) ; Hereinafter referred to as ATM) is often used. In recent years, due to the spread of the Internet and the like, an increasing number of banks are capable of transactions such as transfers without going to the ATM installation location. However, transactions involving the handling of cash still remain, and waiting for use at sales offices has not been resolved.

  In order to reduce such waiting time, if the transaction details are registered in advance using a mobile terminal, the registered transaction details are transmitted to the ATM when the user operates the ATM. An automatic cash transaction system (for example, see Patent Document 1) in which transaction processing is performed has been proposed. In such an automatic cash transaction system, it is possible to reduce the operation time at the ATM because the transaction contents are registered in advance, and as a result, the use waiting time can be shortened.

In addition, at the time of registration of a transaction performed in advance using a mobile terminal, reservation ticket data based on the registration information is issued and stored in the mobile terminal, and the reservation stored in the mobile terminal by the user to the ATM There is also a cash withdrawal management method for reading ticket data and processing registered transactions (for example, see Patent Document 2).
JP-A-10-162243 (FIG. 1) JP 2006-99445 A (FIG. 1)

  However, the conventional automatic cash transaction processing has a problem in that the events that occur after the pre-registration and before the ATM is actually operated are not reflected in the pre-registered transaction contents. .

  If it is just before the ATM operation, it is usually performed directly without performing pre-registration, and it is generally assumed that the pre-registration is performed to some extent before the actual transaction time. The Therefore, there is a risk that a pre-registered transaction cannot be executed, for example, the counterparty account is canceled or the balance of the account is insufficient before the transaction is executed after pre-registration. .

  For example, when performing transfer registration in advance, the user registers a transfer destination partner account or the like. At this time, the server that performs the registration process can confirm the requested counterparty account and permit the registration only when the confirmation is obtained. However, after that, if an event occurs in which the partner account is canceled before the transaction is actually performed at the ATM, the user, if there is no contact from the owner of the partner account, does that until the ATM is operated. I can't know. Therefore, there is a problem that this transaction cannot be executed, and complicated procedures such as checking the counterparty account and registering again are required.

As described above, when an event that affects transaction processing occurs between when pre-registration is performed and when the transaction is executed, it is desired to notify the user of this.
This invention is made in view of such a point, and provides the transaction management program for monitoring the event regarding a transaction from pre-registration to transaction execution, and managing so that a transaction may be performed smoothly. For the purpose.

In order to solve the above-described problems, the present invention provides a transaction management program for causing a computer to execute the process shown in FIG. The transaction management program according to the present invention is applied to the host computer 11 and can cause the computer to execute the following processing. The host computer 11 includes a communication unit 11a, a reception processing unit 11b, a monitoring unit 11c, and a notification unit 11d. The terminal device includes a user terminal 20 held by a user connected via a network and an automatic teller machine. Manage deposit account transactions according to the user's transaction instructions entered. The communication unit 11a exchanges data with a terminal device (such as a user terminal 20 or an automatic teller machine) via a network. When the reception processing means 11b receives registration request information for requesting pre-registration related to the transaction from the user terminal 20 before executing the transaction for another user's account via the communication means 11a, the contents of the pre-registration transactions, to generate processed reception information including information related account showing the user information and the other user's account regarding the user terminal 20 and the user performing the request, process receiving information storage means ( In the figure, it is stored in the process acceptance database 12b. Monitoring means 11c, when performing termination of accounts based on the trading instructions account cancellation inputted through the communication means 11a from the terminal device (such as a user terminal 20 or the automated teller machine), a cancellation target account Based on the information of the related account, it is monitored whether the pre-registration transaction set in the process reception information is established after the account is canceled . When the monitoring unit 11c detects that the pre-registration transaction is not established, the notifying unit 11d generates notification information regarding the pre-registration transaction that is not established based on the processing reception information, and the corresponding user via the communication unit 11a It transmits to the terminal 20.

According to such a host computer 11, when registration request information for requesting pre-registration of a transaction is transmitted from the user terminal 20 before executing a transaction for another user's account , the communication unit 11 a receives it. To the reception processing means 11b. Based on the registration request information, the reception processing means 11b is a process comprising user information related to the user and the user terminal 20, information on a pre-registration transaction to be pre-registered and related account information indicating other user accounts. Reception information is generated and stored in the processing reception information storage means (processing reception database) 12b. In this way, the transaction is pre-registered. Until the transaction is executed, via the communication unit 11a, the transaction instruction for the account cancellation performed by the terminal device including the automatic teller machine and the other user terminal is acquired, and the account is changed based on the transaction instruction. when performing cancellation, based on the information of the related accounts and cancellation target account, the content of the pre-registration transactions is set in the process receiving information monitors whether established after termination of the account. This is because the pre-registration transaction may not be logically established depending on the transaction that has occurred. When the monitoring unit 11c detects that the pre-registration transaction is not established, it generates notification information regarding the pre-registration transaction that is not established based on the process reception information. This notification information is transmitted to the user terminal 20 of the user who registered the pre-registration transaction via the communication unit 11a.

  The host computer that executes the transaction management program according to the present invention, when the transaction is pre-registered by the user before the transaction is executed, the pre-registered transaction is established by another transaction performed before the transaction is executed. Monitor for loss. When it is detected that the pre-registered transaction is no longer established, the user terminal of the user who performed the pre-registration is notified. As a result, the user can know that the pre-registration is no longer established before the transaction is executed, so it is possible to cope with such a situation before the transaction is executed, and the transaction can be smoothly advanced. There is an advantage that you can.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. First, the concept of the invention applied to the embodiment will be described, and then the specific contents of the embodiment will be described.
FIG. 1 is a conceptual diagram of the invention applied to the embodiment.

The host computer 11 to which the transaction management program according to the present invention is applied belongs to the host system 10 that performs transaction processing in response to a request from the user terminal 20 owned by the user. The host system 10 manages deposit account transactions according to user transaction instructions input from a terminal device including a user terminal 20 and an automatic teller machine owned by a user connected via a network.
The host system 10 includes a host computer 11 including a communication unit 11a, a reception processing unit 11b, a monitoring unit 11c, and a communication unit 11d, and a user information database (hereinafter referred to as DB) 12a that stores user reception information. , A process acceptance DB 12b for storing process acceptance information, and a transaction account DB 12c for storing transaction account information.

Each processing means of the host computer 11 realizes its processing function when the computer executes a transaction management program.
The communication unit 11a receives user setting information sent from a terminal device that inputs a user's transaction instruction, such as a user terminal 20 connected via a network (not shown) or an ATM installed in a bank store or the like. Received and transferred to the reception processing means 11b, the monitoring means 11c, and the notification means 11d. In addition, the information generated by the reception processing unit 11b, the monitoring unit 11c, and the notification unit 11d is transmitted to the designated terminal device.

  The reception processing unit 11b performs pre-registration based on registration request information for requesting pre-registration received from the user terminal 20 via the communication unit 11a. Check if the registration request information is from a legitimate user or if the transaction details are adapted to the account status, and if it is approved, pre-registration is performed. In the pre-registration, a unique reception number is assigned for each transaction, and the user reception information is set in association with the user number for identifying the user. In the process reception DB 12b, process reception information in which process reception information related to a transaction including transaction details and user information related to the user and the user terminal 20 is set in association with the reception number is generated and stored. At this time, when another user's account is related to transaction execution such as a transfer transaction, information related to this account is also registered as related account information. Moreover, the related pre-registration transaction is set to the transaction account information of the transaction account related to the pre-registration transaction which performed the reception process in transaction account DB12c.

  The monitoring unit 11c is set in the process reception information when a transaction instruction is input from the user terminal 20, another user terminal, an automatic teller machine, or the like via the communication unit 11a, or as necessary. Whether or not pre-registration transaction contents can be executed is determined, and whether or not the pre-registration transaction is established is monitored. Since it is possible to detect that a transaction has been performed according to a transaction instruction for a managed account managed by the own device, it is possible to determine whether or not a pre-registered transaction can be executed each time. For accounts that are not managed, such as accounts of other banks, account information is acquired at a predetermined timing, such as at the end of business, and it is determined whether or not pre-registration transactions can be executed. In addition, since the contents of the transaction instructions are often not related to the feasibility of the pre-registration transaction, whether the transaction is related to the pre-registration transaction with reference to preset related account information, transaction account information, etc. Only when relevant, the establishment of the pre-registration transaction is determined. In this way, for example, when the transfer process has been pre-registered and the transfer destination account has been canceled, it is detected that the pre-register transaction is no longer logically established.

  When it is detected by the monitoring unit 11c that the pre-registration transaction is no longer established, the notifying unit 11d sends the pre-registration transaction to the user terminal of the user of the pre-registration transaction that is no longer established based on the processing reception information. Is generated and transmitted via the communication means 11a.

The user DB 12a is a database that stores user reception information in which a pre-registration transaction received by the reception processing unit 11b is associated with a user.
The process acceptance DB 12b is a database that stores process acceptance information related to pre-registration transactions accepted by the acceptance processing unit 11b. The process reception information includes the contents of the pre-registered transaction and information related to the user and the user terminal 20, and is managed by a reception number issued for each registered transaction.

The transaction account DB 12 c is a database that stores transaction account information managed by the host computer 11 and related to the account of the customer who conducts the transaction.
The user terminal 20 is an information processing terminal device held by a user who is a bank customer who has a deposit account, and exchanges data with the host computer 11 by connecting to a network. For example, a personal computer or a mobile phone. The user terminal 20 includes at least communication means, input means, and display means. When the processing is started by the input unit, information sent from the host computer 11 via the communication unit is displayed on the display unit. And a series of transaction processing is enabled by acquiring the input information which the user set according to the displayed display screen from an input means, and transmitting to the host computer 11 via a communication means.

  In the transaction system having such a configuration, for example, before performing transaction processing for handling cash using ATM, the contents of the transaction are registered in advance, so that the operation at ATM can be smoothly performed. Therefore, the user who owns the user terminal 20 performs pre-registration regarding the transaction through the user terminal 20 before executing the transaction. Based on the registration request information input via the communication unit 11a, the reception processing unit 11b assigns a reception number for each pre-registered transaction, and associates the user reception information and the processing reception information with the reception number. It stores in user DB12a and process reception DB12b. Moreover, a receipt number is set to related information among the transaction account information stored in the transaction account DB 12c.

  Thus, when a transaction is pre-registered, the monitoring unit 11c monitors whether or not the pre-registered transaction is established until the transaction is executed. Through the communication means 11a, the transaction instruction performed by the user terminal 20, other user terminals, ATMs, etc. is monitored and whether or not the pre-registration transaction is not established by this transaction. Monitor. Moreover, the monitoring means 11c may collate transaction account information and process reception information regularly, and may judge the feasibility of a pre-registration transaction. When it is detected by the monitoring unit 11c that the pre-registration transaction is no longer established, the notification unit 11d refers to the process reception information, and for the user terminal of the user who has set the pre-registration transaction that is no longer established, Notify that pre-registration transactions are not possible. In addition, if there is an account of another user related to the pre-registration transaction and the pre-registration transaction cannot be established due to the cancellation of the account, if you have the contact information of the user, Based on the contact information, it is possible to notify that a pre-registration transaction has been made and call attention.

  As described above, in the transaction processing according to the present invention, when a situation occurs in which the transaction is not established between the time when the transaction is pre-registered and the time when the transaction is executed, this is notified to the user who performed the pre-registration. You can be notified. As a result, even if an unexpected situation occurs, the user can deal with the notification and can make a transaction smoothly.

Hereinafter, an embodiment will be described in detail with reference to the drawings, taking as an example a case where the embodiment is applied to a transfer transaction.
FIG. 2 is a configuration diagram of the transaction management system according to the embodiment of this invention.
In the transaction management system according to the embodiment of the present invention, the host computer 110, the user terminal 200 owned by the user 5, and the ATM 300 are connected by the network 4.

  The bank center 1 includes a host computer 110 that manages a transaction account to be managed, a user DB 120, a process reception DB 130, and a transaction account DB 140. The user 5 performs pre-registration of a transfer transaction using cash at the home 2 using the user terminal 200, and goes to the bank office 3 to execute the transaction for which pre-registration is performed using the ATM 300.

  A user terminal 200 to which the display device 210 is connected is installed at the home 2 of the user 5. The user 5 operates the user terminal 200 to connect the user terminal 200 and the host computer 110 via the network 4, and a transaction screen displayed on the display device 210 based on the display information transmitted from the host computer 110. The transaction is instructed by And the advance registration of the cash transfer transaction using ATM300 is performed.

ATM 300 is installed in the bank office 3. The ATM 300 is connected to the host computer 110 via the network 4 and executes transaction processing.
Here, the hardware configuration of the user terminal 200 will be described. FIG. 3 is a block diagram illustrating a hardware configuration example of the user terminal according to the present embodiment.

  The entire user terminal 200 is controlled by a CPU (Central Processing Unit) 201. A random access memory (RAM) 202, a hard disk drive (HDD) 203, a graphic processing device 204, an input interface 205, and a communication interface 206 are connected to the CPU 201 via a bus 207.

  The RAM 202 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the CPU 201. The RAM 202 stores various data necessary for processing by the CPU 201. The HDD 203 stores the OS and application programs. A display device 210 is connected to the graphic processing device 204, and an image is displayed on the screen of the display device 210 in accordance with a command from the CPU 201. A keyboard 211 and a mouse 212 are connected to the input interface 205, and signals sent from the keyboard 211 and mouse 212 are transmitted to the CPU 201 via the bus 207. The communication interface 206 is connected to the network 4 and transmits / receives data to / from the terminal device via the network 4.

  With such a hardware configuration, the processing functions of the present embodiment can be realized. FIG. 3 shows the hardware configuration of the user terminal, but the hardware configuration of the host computer is the same.

  The user terminal 200 functions as a transaction pre-registration unit that performs transaction pre-registration by the CPU 201 executing an application program such as a browser. The transaction pre-registration means is connected to the host computer 110 via the network 4, acquires display information of the transaction registration screen, and displays the transaction registration screen on the display device 210 based on the display information. Then, the operation instruction of the user 5 performed through the input device such as the keyboard 211 and the mouse 212 is transmitted to the host computer 110.

  The host computer 110 having the same hardware configuration as that of the above-described user terminal is configured such that the CPU executes the transaction management program, whereby the communication unit 11a, the reception processing unit 11b, the monitoring unit 11c, and the notification unit 11d illustrated in FIG. The processing function is realized.

Hereinafter, the operation of the transaction management system and the transaction management method of the embodiment having such a configuration will be described.
First, the configuration of the user DB 120, the process reception DB 130, and the transaction account DB 140 will be described in order.

FIG. 4 is a diagram illustrating an example of user reception information stored in the user DB according to the embodiment of this invention.
In the user reception information 121, a reception number assigned to a pre-registration transaction accepted by the reception processing unit 11b is set in association with a user number for identifying a user. The example shown in the figure indicates that a pre-registration transaction identified by the reception numbers “000015” and “000016” is set for the user having the user number “22233301”. The user number is issued to identify the user when a pre-registration transaction is set up.

FIG. 5 is a diagram illustrating an example of the process reception information stored in the process reception DB according to the embodiment of this invention.
The processing reception information 131 is associated with the reception number, “processing classification” of transaction processing, “transfer source name”, “mobile phone number” and “mail address” as user contact information, and “ Each item of “transfer destination name”, “account number”, “scheduled transfer amount”, and “processing waiting status” indicating the processing status is set. These pieces of information are set by the reception processing unit 11b in response to a registration request from the user terminal 200.

  The “reception number” is a number uniquely assigned to each pre-registration transaction by the reception processing unit 11b and can identify the pre-registration transaction. In the example of the figure, the contents of the user pre-registration transactions “000015” and “000016” associated with the user number “22233301” are set by the user reception information 121 shown in FIG.

“Processing category” indicates a category of a pre-registered transaction, and “transfer” is set in the example of the figure.
The “mobile phone number” and “email address” are user information related to the user who has registered in advance. The notification unit 11d notifies the user based on the “mail address”.

The “transfer source name”, “transfer destination name”, “account number”, and “scheduled transfer amount” indicate the details of the pre-registration transaction.
The “processing waiting status” indicates the current execution state of the pre-registration transaction. In the example shown in the figure, pre-registration is completed and “waiting for payment from ATM” is set.
FIG. 6 is a diagram illustrating an example of transaction account information stored in the transaction account DB according to the embodiment of this invention.

In the transaction account information 141, “deletion caution flag”, “related reception number”, and “other information” are set in association with the account number for identifying the account.
The “deletion caution flag” and the “related reception number” are registered in the transaction account information of the account corresponding to the “account number” of the transfer destination when the reception processing unit 11b sets the processing reception information 131. The “deletion caution flag” is information indicating whether caution is required at the time of deletion. If “1” is set, this account is an account related to the pre-registration transaction set in the process reception information 131, and it is necessary to be careful when deleting. In addition, a reception number of a pre-registration transaction related to this account is set in the “related reception number”. In the example of the figure, the deletion attention flag “1” and the related reception number “000015” are set for the account with the account number “2345678” designated as the transfer destination by the pre-registration transaction of the reception number “000015” of the processing reception information 131. Is set. That is, the account “2345678” is set with a pre-registration transaction identified by the related receipt number “000015”, and indicates that it is necessary to be careful about deletion. These pieces of information are referred to by the monitoring unit 11c in the monitoring process.

“Other information” is a generic name for various information related to the account. The description is omitted because it is not related to the description of the embodiment of the present invention.
Next, a transaction management processing procedure according to the embodiment of the present invention will be described. Hereinafter, the “pre-registration processing”, “processing when the transfer account is canceled”, and “transaction processing at the store at the normal time (when the transfer account is not canceled)” will be described in order. In the following description, it is assumed that information of the example of the user reception information 121, the process reception information 131, and the transaction account information 141 illustrated in FIGS. 4, 5, and 6 is set.

FIG. 7 is a flowchart showing a procedure of pre-registration processing in the transaction management system according to the embodiment of this invention.
The pre-registration process is performed between the user terminal 200 or a mobile phone held by the user (hereinafter referred to as a mobile phone) and the host computer 110 of the bank center 1. The process is started when the user operates the mobile phone to make a request for pre-registration.

[Mobile Phone; Step S01] Based on the pre-registration request from the user, the mobile phone connects to the host computer 110 of the bank center 1 via the network 4 and transmits the pre-registration request.
[Host Computer; Step S101] When the pre-registration request is received, display information for displaying a pre-registration screen on the display unit is transmitted to the mobile phone. For example, display information for displaying a screen for ATM transfer transactions is downloaded.

  [Mobile Phone; Step S02] When the display information is downloaded, a screen is displayed on the display device based on the display information, and input of necessary items is awaited. If it is a transfer process, a screen for registering necessary input items such as a transfer source name and telephone number, a transfer destination name and account number, a scheduled transfer amount, and a trigger for executing a pre-registration transaction is displayed. Then, the information input by the user is displayed on the display screen. Thereby, for example, “transfer source name = payment taro”, “phone number = 090125345678”, “transfer destination name = received Jiro”, “account number = 2345678”, “scheduled transfer amount = 100,000”, “start opportunity” = "Cash input" is entered.

[Mobile Phone; Step S03] When setting of necessary items is input, setting information is generated based on the input information and transmitted to the host computer.
[Host Computer; Step S102] When setting information is received from the mobile phone, a reception number is issued for the setting information, and reception processing is performed. In the reception process, the contents of the received setting information are checked. For example, it is confirmed whether or not a specified account or a transfer destination name exists. If the acceptance is not accepted as a result of the confirmation, registration is not performed and an acceptance failure is transmitted to the mobile phone. If the acceptance is accepted, update information of the process acceptance information 131 and the user acceptance information 121 is generated based on the input setting information, and the process acceptance DB user DB is updated. Then, the acceptance is transmitted to the mobile phone. For example, the reception number “000015” is issued to the setting information set in [mobile phone; step S03], and the reception number is registered in the user reception information 121 of the corresponding user. Then, user information, transaction details, and the like are set in the process reception information 131 in association with the reception number “000015” based on the setting information.

  [Mobile Phone; Step S04] When the determination result is received, it is determined whether pre-registration is accepted based on the determination result. If it cannot be accepted, the process returns to step S02, an error is displayed on the display screen of the necessary input items, and the setting information is prompted to be input again.

  [Mobile Phone; Step S05] When setting information is set, it is determined whether or not all settings have been completed. If all the settings have not been completed, the process returns to step S02 so that the input setting for the next process can be performed.

[Mobile Phone; Step S06] When the input of the setting information is completed, an end notification is transmitted to the host computer 110.
[Host Computer; Step S103] Upon receipt of the end notification, a user number for identifying the user is issued at the time of ATM operation and transmitted to the mobile phone. For example, the user number “22233301” is issued and transmitted.

[Mobile Phone; Step S07] When the user number is received, the user number is stored in the apparatus. The user number is used at the time of ATM operation.
[Host Computer; Step S104] A deletion caution flag is set in the transaction account information corresponding to the transfer partner, and the related reception number is registered and updated. For example, the deletion attention flag of the record corresponding to “account number = 2345678” of the transfer destination is set to “1”, and “000015” is registered as the related reception number.

  By executing the above processing procedure, the transaction pre-registration is executed, and the bank center host computer associates the reception number assigned to the pre-registration transaction with the user reception information and the processing reception information. , And trading account information is set.

After the pre-registration is performed in this way, the transfer account may be canceled before the actual transaction is performed.
FIG. 8 is a flowchart showing a processing procedure when the transfer account is canceled in the transaction management system according to the embodiment of this invention.

  [Host Computer; Step S111] When a transaction instruction is input and it is cancellation of an account, transaction account information of the deleted account is read. For example, if the deletion account is the account number “2345678” of the transfer destination in the above example, “deletion caution flag = 1” and “related reception number = 000015” can be read.

  [Host Computer; Step S112] It is determined whether or not the deletion caution flag is set (= 1) with reference to the deletion caution flag of the read transaction account information. If it is not set (= 0), the process is terminated.

  [Host Computer; Step S113] When the deletion attention flag is set, the related reception number is read from the transaction account information, and the user information (e-mail address, etc.) is acquired from the processing reception DB using the related reception number as a key. . Similarly, the user number “22233301” is acquired from the user DB.

  [Host Computer; Step S114] Based on the information read in step S113, notification information is generated and transmitted to the user. For example, a message indicating that “the transfer account (account number: 2345678) has disappeared and the user number (2233331) and the reception number (000015) can no longer be processed” is sent to the mail address “ab @ cd. ef ".

[Mobile Phone; Step S11] The mobile phone that has received the mail displays a message as shown in Step S114 on the display screen in response to a user operation.
When it is detected that the pre-registration transaction is not established, such as the transfer destination account of the pre-registered transaction is canceled by executing the above processing procedure, for the user who performed the pre-registration, You will be informed that the pre-registration transaction is no longer successful.

Next, transaction execution in the case where a situation in which the pre-registration transaction is not established between the pre-registration and the transaction execution has not occurred will be described.
FIG. 9 is a flowchart showing a procedure of transaction processing at a normal store in the transaction management system according to the embodiment of this invention.

  [ATM; Step S201] When a user number is input in response to a user operation, the input user number is transmitted to the host computer. For example, “user number = 22233301” is input and transmitted.

  [Host Computer; Step S121] When the user number is input, the user DB is searched using the user number as a key, and the reception number set for the corresponding user is extracted. In the above example, “user number = 22233301” is searched for as a key, and reception numbers “000015” and “000016” are extracted. Then, the processing reception DB is searched using the reception number as a key, and the pre-registration transaction contents relating to the reception numbers “000015” and “000016” are read.

[Host Computer; Step S122] Display information for displaying an outline of the contents of the pre-registration transaction read out in step S122 is generated and transmitted to the ATM.
[ATM; Step S202] The reception numbers “000015” and “000016” and the processing outline are displayed on the ATM screen. If there are multiple receipt numbers, a list is displayed so that the user can select. Assume that the user who refers to the display screen inputs the operation completion after selecting the transfer process of the receipt number “000015” and performing a cash deposit operation. The ATM notifies the host computer that the transfer process of the receipt number “000015” has been performed.

  [Host Computer; Step S123] The notification confirms that the deposit process has been completed, and executes the transfer process for the receipt number “000015” that has been in a waiting state. Then, the corresponding information is updated, and the end of the transfer process is notified to the ATM.

  [ATM; Step S203] Upon receipt of the transfer process end notification, the presence or absence of the next process is confirmed, and the user is inquired whether or not to continue the process. If the user inputs an instruction to perform the next process, the process returns to step S202, and the process from the transfer process setting is repeated.

[ATM; Step S204] When the transaction is to be terminated, a termination notice is transmitted to the host computer, and the process is terminated.
[Host Computer; Step S124] The processing end notification is received from the ATM, and the transfer processing is ended.

In the above description, transaction processing is selected and performed one by one, but can be performed collectively.
By executing such a procedure, if there is no situation where the transaction is not completed between the transaction pre-registration and the transaction execution, the transaction is performed with a simple operation based on the pre-registered information. be able to.

  As described above, in the transaction management of the embodiment, the contents of the transfer transaction using cash are registered in advance, the transfer destination account is canceled before the transaction is executed, and the case where the pre-registered transaction is not established has been described. In the case where a situation occurs in which the transaction is not established between the pre-registration and the execution of the transaction, the user can be notified in the same manner to prompt the user to deal with it.

  Note that the above processing functions can be realized by a host computer. In this case, a processing program describing the processing contents of functions that the host computer should have is provided. The host computer executes a processing program in response to a request from a client computer such as a user terminal or ATM. Thus, the processing function is realized on the host computer, and the processing result is provided to the client computer.

  The processing program describing the processing content can be recorded on a recording medium readable by the host computer. Examples of the recording medium readable by the host computer include a magnetic recording device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Examples of the magnetic recording device include a hard disk device (HDD), a flexible disk (FD), and a magnetic tape. Examples of the optical disc include a DVD (Digital Versatile Disc), a DVD-RAM (Random Access Memory), a CD-ROM (Compact Disc Read Only Memory), and a CD-R (Recordable) / RW (ReWritable). Magneto-optical recording media include MO (Magneto-Optical disk).

When the processing program is distributed, for example, portable recording media such as a DVD and a CD-ROM in which the processing program is recorded are sold.
For example, the host computer that executes the processing program stores the processing program recorded in the portable recording medium in its own storage device. Then, the host computer reads the processing program from its own storage device and executes processing according to the processing program. The host computer can also read the processing program directly from the portable recording medium and execute processing according to the processing program.

(Additional remark 1) In the transaction management program which manages deposit account transaction according to the said user's transaction instruction input from the terminal device containing the user terminal and the automatic teller machine which the user connected via a network holds ,
Computer
Communication means for exchanging data with the terminal device via the network;
The registration request information for requesting pre-registration related to the transaction before the execution of the transaction is received from the user terminal via the communication means. Based on the registration request information, the content and request for the pre-registration transaction are performed. Reception processing means for generating processing reception information including user information related to the user and the user terminal and storing it in the processing reception information storage means;
When a predetermined transaction process is performed based on the transaction instruction input from the terminal device via the communication means, or if necessary, the content of the pre-registration transaction set in the process reception information Monitoring means for determining whether or not execution is possible and monitoring whether or not the pre-registration transaction is established;
When it is detected by the monitoring means that the pre-registration transaction is not established, based on the processing reception information, notification information regarding the pre-registration transaction that is not established is generated, and the corresponding use via the communication means Notification means to be sent to the user terminal,
A transaction management program characterized by functioning as

(Supplementary Note 2) When there is an account of another user related to the pre-registration transaction based on the registration request information as the reception processing means, the related account information with the account as a related account is received as the processing Register for information,
As the monitoring means, based on the transaction instruction, the transaction target account and the related account information are collated, and when the transaction is related to the pre-registration transaction, the determination as to whether or not the pre-registration transaction can be established. I do,
The transaction management program according to supplementary note 1, which causes a computer to execute processing.

(Supplementary note 3) As the monitoring means, when it is detected that the pre-registration transaction is a transfer with the related account as a transfer destination and the related account is canceled based on the transaction instruction, Judge that pre-article registration transaction is not successful,
The transaction management program according to supplementary note 2, which causes a computer to execute processing.

(Additional remark 4) As said reception process means, while producing | generating the said process reception information for every said pre-registration transaction and giving a unique reception number, about the account of the other user relevant to the said pre-registration transaction Register the receipt number in the trading account information,
As the monitoring means, based on the transaction instruction, the transaction account information related to a transaction target account is read, and based on the reception number set in the transaction account information, the corresponding process reception information is extracted.
The transaction management program according to supplementary note 1, which causes a computer to execute processing.

(Additional remark 5) As said notification means, when it is detected that the said pre-registration transaction is not materialized, and the contact information of the user who performed the transaction is set to the corresponding said transaction instruction, the said transaction instruction | indication To notify the user who made the transaction that the pre-registration transaction is set,
The transaction management program according to supplementary note 1, which causes a computer to execute processing.

(Additional remark 6) In the transaction management method which manages deposit account transaction according to the said user's transaction instruction input from the terminal device containing the user terminal and cash automatic teller machine which the user who connects via a network holds ,
Computer
When the reception processing means receives registration request information for requesting pre-registration related to the transaction from the user terminal before the execution of the transaction via the communication means connected to the network, the pre-registration transaction is performed based on the registration request information. Process acceptance information including user information related to the user who made the request and the user terminal, and stores it in the process acceptance information storage means,
The pre-registration set in the process acceptance information when the monitoring means performs a predetermined transaction process based on the transaction instruction input from the terminal device via the communication unit, or as necessary Determine whether or not the contents of the transaction can be executed, and monitor whether or not the pre-registered transaction is established;
When the notification means detects that the pre-registration transaction is not established by the monitoring means, the notification means generates notification information regarding the pre-registration transaction that is not established based on the processing reception information, and through the communication means Send to the corresponding user terminal,
A transaction management method characterized by executing a procedure.

(Additional remark 7) In the transaction management apparatus which manages the deposit account transaction according to the said user's transaction instruction | indication input from the terminal device containing the user terminal and cash automatic teller machine which the user who connects via a network holds ,
A communication means for exchanging data with the terminal device;
Processing acceptance information storage means for storing processing acceptance information including user information related to the user who made the request and the contents of the pre-registration transaction registered before execution of the transaction, and the user terminal;
When registration request information for requesting pre-registration related to the transaction is received from the user terminal via the communication means before the transaction is executed, the process reception information is generated based on the registration request information, and the process reception information Reception processing means for storing in the storage means;
When a predetermined transaction process is performed based on the transaction instruction input from the terminal device via the communication means, or if necessary, the content of the pre-registration transaction set in the process reception information Monitoring means for determining whether execution is possible and monitoring whether the pre-registration transaction is established;
When it is detected by the monitoring means that the pre-registration transaction can no longer be executed, based on the processing reception information, the notification information about the pre-registration transaction that can no longer be executed is generated, and the communication means is used. Notification means for transmitting to the corresponding user terminal;
A transaction management apparatus comprising:

It is a conceptual diagram of the invention applied to embodiment. It is a lineblock diagram of the transaction management system of an embodiment of the invention. It is a block diagram which shows the hardware structural example of the user terminal of this Embodiment. It is the figure which showed an example of the user reception information stored in user DB of embodiment of this invention. It is a figure showing an example of processing acceptance information stored in processing acceptance DB of an embodiment of the invention. It is the figure which showed an example of the transaction account information stored in transaction account DB of embodiment of this invention. It is the flowchart which showed the procedure of the pre-registration process in the transaction management system of embodiment of this invention. It is the flowchart which showed the procedure of the process when the transfer account in the transaction management system of embodiment of this invention is cancelled | released. It is the flowchart which showed the procedure of the transaction process in the store at the normal time in the transaction management system of embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Host system 11 Host computer 11a Communication means 11b Reception processing means 11c Management means 11d Notification means 12a User DB (database)
12b Processing reception DB (database)
12c Trading account DB (database)
20 User terminal

Claims (4)

In a transaction management program for managing deposit account transactions according to the user's transaction instructions input from a terminal device including a user terminal and an automatic teller machine held by a user connected via a network,
Computer
Communication means for exchanging data with the terminal device via the network;
When receiving registration request information for requesting pre-registration related to the transaction before execution of the transaction for the account of another user from the user terminal, the content of the pre-registration transaction based on the registration request information A process of generating process reception information including user information related to the requesting user and the user terminal and related account information indicating an account of the other user, and storing the generated information in the process reception information storage unit means,
When canceling an account based on an account cancellation transaction instruction input from the terminal device via the communication means , the processing acceptance information is set based on the account to be canceled and the related account information. Monitoring means for monitoring whether the pre-registration transaction to be executed is established after cancellation of the account ;
When it is detected by the monitoring means that the pre-registration transaction is not established, based on the processing reception information, notification information regarding the pre-registration transaction that is not established is generated, and the corresponding use via the communication means Notification means to be sent to the user terminal,
A transaction management program characterized by functioning as   As the monitoring means, the pre-registration transaction is detected when the pre-registration transaction is a transfer with the related account as a transfer destination and the related account is canceled based on the transaction instruction. Is determined not to hold,
  The transaction management program according to claim 1, wherein the processing is executed by a computer. The reception processing means generates the processing reception information for each pre-registration transaction and assigns a unique reception number, and transaction account information about the account of the other user related to the pre-registration transaction. Register the receipt number in
  As the monitoring means, the transaction account information for the account of the other user that matches the account to be canceled is read, and the corresponding process reception information is based on the reception number set in the transaction account information. Extract,
  The transaction management program according to claim 1, wherein the processing is executed by a computer.   As the notification means, if the pre-registration transaction is no longer established by canceling the related account, if the contact information of the other user corresponding to the related account is held, Notifying that the pre-registration transaction has been made based on the contact information;
  The transaction management program according to claim 1, wherein the processing is executed by a computer.

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