JP6600384B2 - Information processing system and program - Google Patents

Description

  The present invention relates to an information processing system for electronic transactions.

  In recent years, various electronic transaction services via the Internet have been provided to users. For example, in financial transactions, a user uses an internet banking service or a mobile banking service operated by a financial institution with which he / she has an account to check various account balances, check deposit / withdrawal details, transfer and transfer, etc. You can receive trading services.

  For example, a user can use various financial transaction services by accessing a website operated by a financial institution via the Internet using a personal computer or the like and operating the provided web page. Further, the user can use various financial transaction services by using an application downloaded from an application server operated by a financial institution using a mobile phone or a smartphone, and operating the application.

JP 2004-5346 A JP 2005-100163 A JP 2006-53846 A

  In the Internet banking service and the mobile banking service, a transfer process for transferring funds between a plurality of accounts of a user is often used. In the transfer process of the conventional Internet banking service or mobile banking service, after the user completes the input of the transfer transaction amount, communication is performed between the user's terminal device and the financial institution server. The server calculates a post-transfer balance between the transfer source account and the transfer destination account based on the transfer transaction amount transmitted from the terminal device, and transmits the calculated post-transfer balance to the terminal device. The terminal device displays the post-transfer balance to the user after receiving the post-transfer balance between the transfer source account and the transfer destination account from the server. For this reason, it was difficult for the user to immediately confirm the balance after transfer between the transfer source account and the transfer destination account based on the input transfer transaction amount.

  In view of the above problems, the problem of the present invention is that each time a user performs an input operation on a plurality of pieces of management target information to be managed by electronic transactions having different information contents that change in conjunction with each other, It is to provide a technique for reflecting the input immediately and displaying the information content after the management target information is reflected.

  One aspect of the present invention includes a storage unit that stores first information, and a request processing unit that transmits the first information and a calculation program to the terminal device in response to a request from the terminal device. In the information processing system, the arithmetic program responds to an input operation of the second information to the terminal device, and the first information displayed on the terminal device and the second information input to the terminal device The information processing system is configured to cause the terminal device to execute predetermined arithmetic processing based on the information and to output the result of the arithmetic processing to the terminal device as first information after the arithmetic processing.

  According to the above aspect of the present invention, each time a user performs an input operation on a plurality of pieces of management target information to be managed in electronic transactions having different information contents that change in conjunction with each other, the user's input is immediately performed. It is possible to reflect the information content after the management target information is reflected. Thereby, while improving a user's convenience in electronic transaction, an erroneous operation by a user can be reduced.

FIG. 1 schematically illustrates an electronic financial transaction system according to an embodiment of the present invention. FIG. 2 shows a hardware configuration of an information processing system according to an embodiment of the present invention. FIG. 3 shows a hardware configuration of a terminal device according to an embodiment of the present invention. FIG. 4 shows a functional configuration of an information processing system according to an embodiment of the present invention. FIG. 5 is a screen transition diagram regarding the transfer process between accounts according to an embodiment of the present invention. FIG. 6 is a screen transition diagram regarding the transfer process between accounts according to an embodiment of the present invention. FIG. 7 is a screen transition diagram regarding the transfer process between accounts according to an embodiment of the present invention. FIG. 8 is a screen transition diagram related to a transfer process between accounts according to an embodiment of the present invention. FIG. 9 shows a screen transition diagram regarding the transfer process between accounts according to an embodiment of the present invention. FIG. 10 is a flowchart showing processing by the arithmetic program in the terminal device according to the embodiment of the present invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  In an embodiment described later, an information processing system that provides various financial transaction services to customers via a terminal device connected to a network, such as an Internet banking service and a mobile banking service, will be described. In summary, the information processing system has account information such as the current account balance of each customer account, transaction history, customer information, etc., and various financial transactions from a terminal device of a customer who has been authenticated after executing a predetermined authentication process. In response to the processing request, screen information such as a web page including the account information of the customer and a calculation program corresponding to the processing request is transmitted to the terminal device. Upon receiving the screen information, the terminal device displays the received screen information, and responds to the customer's input operation on the displayed screen information, and inputs the account information according to the calculation program incorporated in the screen information. A predetermined calculation process based on the operation is executed, and the screen information is updated and redisplayed based on the execution result of the calculation process.

  In one embodiment, the customer processing request relates to a transfer transaction between customer accounts, and in response to the transfer transaction processing request, the information processing system includes a transfer source account and a transfer destination account specified by the customer. The account information and the calculation program related to the transfer process are extracted from a database or the like, and screen information including the extracted account information and the calculation program is transmitted to the terminal device. When the screen information is received, the terminal device displays the received screen information, and each time a customer inputs a numerical value for each digit of the transfer transaction amount, The balance after transfer between the transfer source account and the transfer destination account is calculated based on the amount composed of digits, and the balance after transfer between the calculated transfer source account and the transfer destination account is displayed. As a result, the user can immediately confirm the post-transfer balance and improve customer convenience. As described above, since the user can immediately confirm the balance after transfer for each input operation, it is possible to reduce the erroneous operation of the user. Furthermore, the calculation of the balance after transfer can be realized as a closed process in the terminal device according to the calculation program incorporated in the screen information, that is, the process related to the calculation is performed between the terminal device and the information processing system. Since it is realizable without performing communication, it is possible to realize the transfer process without increasing communication opportunities.

  In the following examples, the present invention will be described with reference to electronic financial transactions, but the present invention is not limited thereto. That is, the present invention is applied to any appropriate information processing system that provides a client that has received information including a calculation program to execute a predetermined calculation process in response to a user operation on the received information. May be. Further, in the following embodiments, the present invention will be described with reference to a transfer transaction for transferring funds between accounts, but the present invention is not limited to this. For example, as will be described later, the present invention may be applied to a custody service for transferring stocks and bonds between accounts.

  First, an electronic financial transaction system according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 schematically illustrates an electronic financial transaction system according to an embodiment of the present invention.

  As shown in FIG. 1, the electronic financial transaction system 10 includes an information processing system 100, a terminal device 200, and a network 300. As illustrated, the information processing system 100 is wired or wirelessly connected to the terminal device 200 via a network 300.

  The information processing system 100 provides various electronic financial transaction services such as an Internet banking service and / or a mobile banking service to customers and users via the terminal device 200. As illustrated in FIG. 2, the information processing system 100 includes a drive device 101, an auxiliary storage device 102, a memory device 103, a CPU (Central Processing Unit) 104, and an interface device 105 that are interconnected via a bus B.

  A program for realizing various functions and processing described later in the information processing system 100 may be provided by a recording medium 106 such as a CD-ROM (Compact Disk-Read Only Memory). When the recording medium 106 storing the program is set in the drive device 101, the program is installed from the recording medium 106 to the auxiliary storage device 102 via the drive device 101. However, the program need not be installed by the recording medium 106, and may be downloaded from another server or the like via the bus.

  The auxiliary storage device 102 stores the installed program and also stores necessary files and data. The memory device 103 reads the program and data from the auxiliary storage device 102 and stores them when there is an instruction to start the program. The CPU 104 executes various functions and processes of the information processing system 100 as described later according to various data such as programs stored in the memory device 103 and parameters necessary for executing the programs. The interface device 105 is used as a communication interface for communicating with the terminal device 200 via the network 300.

  However, the information processing system 100 is not limited to the hardware configuration as illustrated. For example, as schematically illustrated in FIG. 1, the information processing system 100 may include a plurality of servers such as an authentication server, a web server, and a storage server having the above-described hardware configuration.

  The terminal device 200 is used to access the information processing system 100 and execute various financial transaction services desired by customers and users. As shown in FIG. 3, the terminal device 200 includes a drive device 201, an auxiliary storage device 202, a memory device 203, a CPU (Central Processing Unit) 204, a communication device 205, a display device 206, and An input device 207 is included.

  Programs that realize various functions and processes described later in the terminal device 200 are downloaded from the information processing system 100 or the like via the network 300. Alternatively, the program may be provided by a recording medium 208 such as a memory card. When the recording medium 208 storing the program is set in the drive device 201, the program is installed from the recording medium 208 into the auxiliary storage device 202 via the drive device 201. The auxiliary storage device 202 stores the installed program and necessary files and data.

  The memory device 203 reads and stores the program and data from the auxiliary storage device 202 when there is an instruction to start the program. The CPU 204 executes various functions and processes of the portable terminal 200 described later according to various data such as a program stored in the memory device 203 and parameters necessary for executing the program.

  The communication device 205 is used as a communication interface for wireless and / or wired connection to the network 300. The communication device 205 converts the transmission target data into an appropriate signal and transmits it to the network 300. Further, the communication device 205 converts the signal received from the network 300 into appropriate data, and provides it to an appropriate device such as the memory device 203.

  The display device 206 is used to display the processing result by the CPU 204, and is realized by various displays such as a liquid crystal display, a cathode ray tube display (CRT), and a plasma display. The input device 207 is used when a user inputs a command or data to the terminal device 200, and is realized by a touch panel, a keyboard, a stylus, a microphone, or the like, for example.

  The network 300 includes the Internet, a mobile phone network, and the like, and connects the information processing system 100 and the terminal device 200 for communication.

  Next, the configuration of an information processing system according to an embodiment of the present invention will be described with reference to FIG. FIG. 4 is a diagram showing a functional configuration of the information processing system according to the embodiment of the present invention. As illustrated in FIG. 4, the information processing system 100 includes a storage unit 110 and a request processing unit 120.

  The storage unit 110 includes an account information management unit 111 that stores and manages customer account information, and a program storage unit 112 that stores various programs and / or applications executed on the terminal device 200.

  The account information management unit 111 stores and manages the account information of each customer account including customer information such as the current account balance, transaction history such as deposit / withdrawal records, customer user ID, login password, and personal identification number. Specifically, in response to the authentication request from the request processing unit 120, the account information management unit 111 authenticates the user of the terminal device 200 that is requesting access to the information processing system 100. Typically, it is determined whether the user ID and login password of the user transmitted from the terminal device 200 match the user ID and login password registered in the stored customer information. If they match, the account information management unit 111 notifies the request processing unit 120 that the requesting terminal device 200 has been authenticated. If they do not match, the account information management unit 111 The request processing unit 120 is notified to reject the access request from the requesting terminal device 200. However, the authentication process is not limited to the use of the above-described user ID and login password, and may be an authentication process using a temporary password generated by a dedicated device, for example.

  Upon receiving an account information acquisition request for the authenticated terminal device 200 from the request processing unit 120, the account information management unit 111 receives account information such as the current account balance of the requested customer account and transaction history for the most recent months. Is provided to the request processing unit 120. Further, when an update request for account information is received from the request processing unit 120 as a result of execution of a transaction such as deposit / withdrawal in the terminal device 200, the account information management unit 111 updates the stored account information according to the execution result. To do.

  The program storage unit 112 stores various programs and applications executed on the terminal device 200. In response to the acquisition request from the request processing unit 120, the program storage unit 112 provides the requested program and application to the request processing unit 120. The arithmetic program stored in the program storage unit 112 is transmitted to the terminal device 200 via the request processing unit 120, and causes the terminal device 200 to execute various arithmetic processes. In one embodiment, the arithmetic program passed to the request processing unit 120 is incorporated in screen information transmitted to the terminal device 200 and responds to a user input operation on the screen information displayed on the screen of the terminal device 200. Then, the terminal device 200 is caused to execute a predetermined calculation process corresponding to the input operation, and the calculation result after the execution of the calculation process is displayed on the screen. Details of the arithmetic program stored in the program storage unit 112 will be described later.

  Note that the above-described arithmetic program is not necessarily provided to the terminal device 200 by being embedded in the screen information, and may be incorporated in advance in the application of the terminal device 200, for example. In this case, when a transfer process is designated by the user, the terminal device 200 may execute a calculation program related to the transfer process incorporated in the application to realize the transfer process described above.

  The request processing unit 120 provides various financial transaction services to the user. Specifically, when receiving an access request including the user ID and login password of the user from the terminal device 200, the request processing unit 120 sends the received user ID and login password to the account information management unit 111, and manages account information. The unit 111 is made to authenticate the requesting user. When the user is authenticated, the request processing unit 120 generates screen information including account information related to the financial transaction processing requested by the user, and the user performs predetermined processing related to the financial transaction processing on the terminal device 200. An arithmetic program that enables execution of the arithmetic processing is extracted from the program storage unit 112, the extracted arithmetic program is incorporated into the screen information, and the screen information including the account information and the arithmetic program is transmitted to the terminal device 200.

  The arithmetic program may be one that requires the information processing system 100 and the terminal device 200 to communicate information in accordance with an input operation, or the terminal device 200 without communicating with the information processing system 100. May be executable. The latter calculation process closed in the terminal device 200 can be realized by a program described using, for example, JavaScript (registered trademark). When the screen information is displayed on the browser or application on the screen of the terminal device 200, the user operates the displayed screen information to check the balance of the user's account, display the transaction history, transfer, transfer, etc. Various financial transactions can be executed.

  Next, an arithmetic program according to an embodiment of the present invention will be described with reference to FIGS. 5 to 9 show screen transition diagrams regarding transfer processing between accounts. In the illustrated embodiment, the calculation program relates to a transfer process between a plurality of accounts that the user has, and transfers the transfer transaction amount input to the terminal device 200 by the user from the transfer source account of the user to the transfer destination account. This is for executing a transfer process.

  The calculation program for transfer processing according to an embodiment is input to the terminal device 200 every time the user inputs a value of each digit of the transfer transaction amount when the user inputs the transfer transaction amount scheduled for transfer. The transfer source account balance and the transfer destination account balance are calculated based on the amount composed of the values of the respective digits, and the calculated transfer source account balance and the transfer destination account balance are displayed. The arithmetic program can be realized as a closed process in the terminal device 200 by describing it using, for example, JavaScript (registered trademark). In this case, each calculation display process can be executed in the terminal device 200 without communicating with the information processing system 100, and only the transfer execution process after the final transfer transaction amount is confirmed is the same as the information processing system 100. It is executed by communication with the terminal device 200.

  In the illustrated example, the transfer transaction amount 1 is transferred from a transfer source account having a balance of 10,000 yen to a transfer destination account having a balance of 3,000 yen using a calculation program for transfer processing. The case of transferring 357 yen will be described. When the logged-in user selects a transfer process between the two accounts of the user on the menu page displayed on the terminal device 200, the request processing unit 120 that has received the processing request is designated by the account information management unit 111. Account information related to the transfer source account and the transfer destination account is acquired, and a calculation program related to the transfer process is extracted from the program storage unit 112. The request processing unit 120 generates a page as shown in FIG. 5 based on the acquired account information and the extracted calculation program, and transmits the generated page to the terminal device 200. According to the calculation program embedded in the page, each time the user inputs the value of each digit of the transfer transaction amount, the embedded calculation program detects the input operation of the numerical value by the user and each input Calculate the post-transfer balance of the transfer source account and the post-transfer balance of the transfer destination account based on the transfer transaction amount consisting of digits, and display the updated post-transfer balance and the post-transfer balance of the transfer destination account on the page indicate.

  In this example, since the user is planning 1,357 yen as the transfer transaction amount, the user first inputs the number “1” in order to input the amount on the page. When the number “1” is input, that is, when the number “1” is additionally recorded in the memory device 203 or the like of the terminal device 200, the arithmetic program detects the input or additional recording, Calculate the balance after transfer of 9,999 yen (= 10,000 yen-1 yen) and the balance after transfer of 3,001 yen (= 3,000 yen + 1 yen) of the transfer destination account for the transfer transaction amount. The page is updated as shown in FIG.

  Next, when the user inputs the number “3”, that is, when the number “3” is additionally recorded in the memory device 203 or the like of the terminal device 200, the arithmetic program detects the input or additional recording, The balance after transfer of 9,987 yen (= 10,000-13 yen) of the transfer source account for the transfer transaction amount of 13 yen corresponding to “1” and “3” input so far and the transfer destination account A balance of 3,013 yen (= 3,000 yen + 13 yen) is calculated, and the page is updated as shown in FIG.

  Next, when the user inputs the number “5”, that is, when the number “5” is additionally recorded in the memory device 203 or the like of the terminal device 200, the arithmetic program detects the input or additional recording, The balance after transfer of 9,865 yen (= 10,000-135 yen) and the transfer destination account for the transfer transaction amount of 135 yen corresponding to "1", "3", and "5" input so far The post-transfer balance of 3,135 yen (= 3,000 yen + 135 yen) is calculated, and the page is updated as shown in FIG.

  Finally, when the user inputs the number “7”, that is, when the number “7” is additionally recorded in the memory device 203 or the like of the terminal device 200, the arithmetic program detects the input or additional recording, The post-transfer balance of the transfer source account for the transfer transaction amount of 1,357 yen corresponding to “1”, “3”, “5”, and “7” input so far is 8,643 yen (= 10,000 yen−1, 357 yen) and the balance after transfer of the transfer destination account 4,357 yen (= 3,000 yen + 1,357 yen), and the page is updated as shown in FIG.

  In this way, each time the user inputs a number of each digit of the scheduled transfer transaction amount, after the transfer between the transfer source account and the transfer destination account for the amount composed of the input digits of each digit It becomes possible to check the balance. As described above, the calculation program embedded in the page calculates and displays the post-transfer balance each time a digit of each digit is input, so that the user communicates between the terminal device 200 and the information processing system 100. Therefore, it is possible to immediately confirm the balance after transfer, improving the convenience of the customer, and reducing the possibility of erroneous operation and the communication opportunity required for the transfer process.

  In this embodiment, the calculation program for the transfer process between accounts has been described, but the calculation program of the present invention is not limited to this. For example, it may be used for transfer processing between accounts in securities management business (custody business) for investors. In the transfer process in the custody business, the input transfer transaction amount is the number of shares when the deposited securities are stocks, and the number of units when the securities deposited are bonds. That is, each time the number of shares to be transferred or the number of bonds is input, the calculation program causes the terminal device 200 to calculate the balance after transfer between the transfer source account and the transfer destination account, and displays the calculated post-transfer balance. Let

  In the present embodiment, the transfer process for transferring funds between two accounts owned by the user to a certain financial institution has been described. However, the calculation program of the present invention is not limited to this, You may apply to a transfer process. For example, when a user desires to transfer funds from a user's account at one financial institution to a user's account at another financial institution and the user can obtain the balance of the payee's account in some way, the user By changing the current balance of the above-mentioned transfer destination account to the current balance of the transfer destination account, the post-transfer balances of the transfer source account and the transfer destination account are immediately confirmed using the calculation display process described above. It is possible.

  Next, with reference to FIG. 10, the process by the arithmetic program in the terminal device by one Example of this invention is demonstrated. FIG. 10 is a flowchart showing processing by the arithmetic program in the terminal device according to the embodiment of the present invention.

  As illustrated in FIG. 10, the process is started in response to, for example, a user who logs in to the information processing system 100 selects a transfer process on a menu page provided from the information processing system 100 after logging in. Further, the transfer source account and the transfer destination account selected by the user may be notified to the information processing system 100 together with the selection of the transfer process.

  In step S101, the terminal device 200 receives a page including a calculation program related to the transfer process from the information processing system 100 together with the account information of the transfer source account and the transfer destination account selected by the user, and displays the received page. .

  In step S <b> 102, the terminal device 200 detects whether an input operation has been performed for the transfer transaction amount, that is, whether a numerical value has been input for any digit. When a numerical value is input (S102: Y), the flow proceeds to step S103, and the terminal device 200 transfers the transfer transaction amount configured from the numerical value of each digit input so far. Calculate the post-transfer balance between the account and the destination account. On the other hand, if no numerical input is detected, the flow waits until an input operation is detected.

  In step S104, the terminal device 200 redisplays the page updated with the post-transfer balance between the calculated transfer source account and the transfer destination account.

  In step S <b> 105, the terminal device 200 completes input of the transfer transaction amount scheduled by the user and detects whether the transfer execution button has been pressed. When the user presses the transfer execution button (S105: Y), the flow moves to step S106, and the terminal device 200 executes the transfer process using the transfer transaction amount redisplayed in the information processing system 100 in step S104. Instruct. On the other hand, when the user does not press the transfer execution button (S105: N), the flow returns to step S102 and waits for the input of a numerical value of a further digit.

  In the embodiment described above, the transfer process in which the transfer transaction amount is designated by the user has been described, but the present invention is not limited to this. In another embodiment, the user may designate the balance after transfer of the transfer destination account as a desired amount. The information processing system 100 may provide a transfer process in which the user performs transfer from the transfer source account to the transfer destination account so that the balance after transfer of the transfer destination account becomes a desired balance. In this embodiment, the calculation program related to the transfer process is performed after the transfer of the transfer source account to the terminal device 200 every time the user inputs a numerical value of each digit in order to specify the balance after transfer of the desired transfer destination account. The balance and the transfer transaction amount may be calculated and redisplayed. Here, when the calculated transfer transaction amount exceeds the post-transfer balance of the transfer source account, that is, when the user tries to execute a transfer exceeding the balance of the transfer source account, the calculation program gives an error to the terminal device 200. You may make it display. According to this embodiment, when the user wants to set the account balance of the transfer destination account to a desired amount, the user can execute the transfer process without having to specify the transfer transaction amount and avoid the user's erroneous operation. It becomes possible to do.

  As mentioned above, although the Example of this invention was explained in full detail, this invention is not limited to the specific embodiment mentioned above, In the range of the summary of this invention described in the claim, various deformation | transformation・ Change is possible.

10 Electronic Financial Transaction System 100 Information Processing System 110 Storage Unit 111 Account Information Management Unit 112 Program Storage Unit 120 Request Processing Unit 200 Terminal Device

Claims (3)

A storage unit for storing first information;
In response to a request from the terminal device, a request processing unit that transmits the first information and the arithmetic program to the terminal device;
An information processing system having
In response to the input operation for each digit of the second information to the terminal device, the arithmetic program includes the first information displayed on the terminal device and the second information input to the terminal device for each digit. The terminal device to execute a predetermined arithmetic processing based on the result, to output the result of the arithmetic processing to the terminal device as the first information after the arithmetic processing,
The first information indicates a transfer source account balance and a transfer destination account balance,
The second information indicates a balance after transfer of the transfer destination account,
The calculation program causes the terminal device to set the transfer destination account balance to the post-transfer balance and subtracts the difference of the transfer destination account balance from the transfer source account balance from the post-transfer balance.   The information processing system according to claim 1, wherein when the difference exceeds the transfer source account balance, the calculation program displays an error on the terminal device. Detect whether there is an input operation for each digit of the second information with respect to the first information displayed on the terminal device,
In response to detection of an input operation for each digit of the second information, a predetermined calculation process is executed based on the displayed first information and the second information input for each digit,
Outputting the result of the arithmetic processing as the first information after the arithmetic processing;
The first information indicates a transfer source account balance and a transfer destination account balance,
The second information indicates a balance after transfer of the transfer destination account,
The program which makes the said terminal device set the said transfer destination account balance to the said balance after transfer, and subtracts the difference of the said transfer destination account balance from the said balance after transfer from the said transfer source account balance.

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