JP7085862B2 - Fund transfer management system, fund transfer management method, information processing device and fund transfer management program - Google Patents

Description

The present invention relates to a fund transfer management system, a fund transfer management method, an information processing device and a fund transfer management program, and more particularly to a fund transfer management system for managing fund transfer, a fund transfer management method, an information processing device and a fund transfer management program. ..

Increasingly, elderly people live alone, their spouses are assigned to work alone, or university students staying in the city, etc., living alone away from their families. Along with this, communication between parents and children and their families is weakened, and there is an increasing possibility of being involved in fraudulent acts such as transfer fraud and contracts for large products by door-to-door sales. In particular, the number of single-person households and single-person households is increasing due to the aging society, and it is a social demand to take measures to reduce risks to secure communication means with these households and to secure a safe and secure life for these households. I can say.

Therefore, for example, Patent Document 1 discloses a technique for making not only a person who makes a transfer but also a third party determine the content of the transfer at the time of transferring money. In Patent Document 1, when an account owner transfers money from his / her own account, if the transfer is high and exceeds the upper limit of the transfer amount set in that account, it is registered in advance in that account. It is expensive by notifying a third party of the transfer approval request and immediately responding and approving it using a terminal device such as an automated teller machine (ATM), a bank counter, or a mobile phone. It completes the transfer of money.

Japanese Unexamined Patent Publication No. 2007-316959

However, in the technique according to Patent Document 1, all the transfer of funds from the account of the watched person (observed person) such as the elderly and children (dependents) is monitored, and when the transfer amount is a predetermined amount or more. The details and amount of the transfer will be communicated to a third party (children who are the actual guardians of the elderly, relatives who are dependents on the dependents, observers), and their approval is required. Therefore, it is difficult to ensure the privacy of those who are being watched over. Therefore, even if an attempt is made to introduce the method according to Patent Document 1, there is a problem that it is difficult to obtain the consent of the person being watched over and the spread of the method is hindered.

This disclosure is made to solve such problems, in order to prevent the observer from excessively spending the funds held by the observer while respecting the observer's intention to protect privacy. It is an object of the present invention to provide a fund transfer management system, a fund transfer management method, an information processing device, and a fund transfer management program.

The fund transfer management system according to the first aspect of the present disclosure stores the balance information of the first account whose name is either the observer or the observer who observes the observer. From the first account, based on the operation of the unit, the second account information storage unit that stores the balance information of the second account whose name is the observation target person, and the observer who observes the observation target person. Based on the operation of the observer device that approves the conditions for transferring funds to the second account and the observer, the observer device is given the first reference authority to the second account information storage unit. The observer device and the observer device control the reference process to the second account information storage unit based on the first reference authority, and the first item is based on the approved fund transfer condition. It is provided with a management server that executes a fund transfer process from the account information storage unit to the second account information storage unit.

Thus, according to the first aspect of the present disclosure, the observer is not directly restricted in the withdrawal destination, withdrawal amount and number of withdrawals from the second account in his / her name. In addition, the observer's access to the second account can be controlled by the observer's will. Therefore, the intention of privacy protection in the observer is respected. On the other hand, since the observer can control the fund transfer conditions including the deposit amount and the deposit timing to the second account held by the observer, the increase amount of the balance of the second account can be adjusted. As a result, the observer can control the balance of the second account, which is the upper limit of the withdrawal amount by the observer. Therefore, even if the observed person is withdrawn due to fraud or the like, the amount of damage can be suppressed within a certain amount (maximum balance of the second account). In other words, as a result, it is possible to prevent illegal outflow of funds. Therefore, it is possible to prevent the observer from excessively spending the funds held by the observer while respecting the privacy protection intention of the observer (observee).

Further, the observer device transmits a first fund transfer request including a first fund transfer amount from the first account information storage unit to the second account information storage unit to the observer device. Then, the observer device approves or disapproves the first fund transfer request as the fund transfer condition, and the management server approves the first fund transfer request in the observer device. In addition, it is desirable to execute the fund transfer process of the first fund transfer amount from the first account information storage unit to the second account information storage unit. As a result, the observer can detect a suspicious request for transfer of funds from the observer, and for example, the observer can directly confirm the use with the observer before the transfer of funds. Therefore, fraud and the like can be prevented.

Further, the fund transfer condition includes a first condition that defines the interval of the fund transfer process and the first amount information, and the management server has the first condition approved by the observer device. In this case, the fund transfer process may be executed for the amount of money based on the first amount of money information at each interval. This makes it possible to remit money to the second account on a regular basis within the scope of the observer's approval, eliminating the inconvenience to the observer's daily activities and using the amount of money for each interval of one fund transfer process. Can be suppressed within a certain amount.

Alternatively, the fund transfer condition includes a second condition that defines a threshold value of the balance information of the second account and the second amount information, and the management server uses the observer device for the second condition. When the balance information of the second account is approved and the balance information of the second account falls below the threshold value, the fund transfer process may be executed for the amount calculated based on the second amount information. As a result, the maximum amount of money that can be spent by the observer from the second account can be kept constant, and the convenience of the observer can be maintained.

Further, the fund transfer condition further includes an upper limit of the number of times the fund transfer process is executed in the predetermined period, and the management server has the number of times the fund transfer process is executed based on the second condition in the predetermined period. When the upper limit is exceeded, the observer device may be notified to that effect. As a result, the total amount of withdrawals from the second account by the observer within a certain period can also be controlled.

Here, the name of the first account is the observation target person, and the observation target person device further grants the observer device a second reference authority to the first account information storage unit. The management server controls the reference process to the first account information storage unit by the observer device based on the second reference authority, and transfers the observation target person device to the first account information storage unit. The reference processing is permitted, the withdrawal processing from the first account information storage unit to other than the second account information storage unit is prohibited, and the first account information storage unit is described from the first account information storage unit other than the approved fund transfer conditions. It is advisable to prohibit the process of transferring funds to the second account information storage unit. As a result, for example, even if there is a large balance in the first account, the transfer of funds from the first account to other than the second account is restricted, and the assets of the observer can be protected.

Alternatively, the name of the first account is the observer, and the observer device has a second account information storage unit from the first account information storage unit to the second account information storage unit for the management server. The second fund transfer request including the fund transfer amount is transmitted as the approved fund transfer condition, and the management server receives the second fund transfer request from the first account information storage unit based on the second fund transfer request. The fund transfer process of the second fund transfer amount may be executed to the account information storage unit. As a result, for example, when the observer is a dependent child, the dependent parent keeps the transfer amount to the second account in the name of the child constant, gives the necessary amount, and suppresses waste. Can be done.

Further, it is desirable that the management server stores the history information of the fund transfer process in the history information storage unit, and the observer device refers to the history information to the history information storage unit. In this way, the observer can more accurately determine the approval or disapproval of future fund transfer conditions by referring to the history of fund transfer. In addition, since the conditions for transferring funds are approved in advance between the observer and the observer, the observer's reference to the history of the transfer of funds (the amount of transfer, not the balance) is for the privacy of the observer. The effect of is small.

Further, the management server includes the withdrawal history from the second account in the history information and further stores it in the history information storage unit, and periodically executes the first analysis process for the withdrawal history. When the result of the first analysis process satisfies a predetermined condition, it is desirable to notify at least one of the observer device and the observer device to that effect. As a result, the payment pattern of the observer can be analyzed, and for example, it is possible to contribute to the improvement of the household budget by prompting the reconsideration of the annual payment contract before the payment due date.

Further, the management server includes the access history of the observation target person device to the second account information storage unit in the history information, further stores the access history in the history information storage unit, and performs a second analysis process for the access history. Is performed periodically, and when the result of the second analysis process satisfies a predetermined condition, at least one of the observer device and the observer device may be notified to that effect. As a result, the behavior pattern of the observation target person's daily life can be analyzed, and the observation target person or the observer can respond by notifying when a change has occurred in the behavior pattern.

Further, the management server generates notification information based on the balance information of the first account and the history information, and the generated notification information is given to at least one of the observation target person device and the observer device. Should be sent. For example, it is possible to effectively notify the campaign information and the like from the financial institution that manages the first account and the second account.

Further, the management server selects a financial product to be recommended based on the balance information of the first account and the history information from a plurality of financial products, and the observer device and the observer device. It is advisable to send to both parties that they are recommended to purchase the selected financial product. As a result, when the observer purchases a financial product, the approval of the responsible observer can be smoothly obtained.

Further, when the management server receives consent including designation of the purchase amount for the recommended financial product from both the observer device and the observer device, the management server receives the consent including the designation of the purchase amount for the recommended financial product from the first account information storage unit. 2. It is preferable to execute the fund transfer process of the purchase amount to the account information storage unit and execute the withdrawal process of the purchase amount from the second account information storage unit. This can promote the sale of financial products that require approval by the observer. Then, even for a large withdrawal of a financial product, the purchase history of the financial product can be recorded as history information of the fund transfer processing and the withdrawal processing by passing through the second account. It can be referenced from the observer device.

The fund transfer management method according to the second aspect of the present disclosure is a first account information storage that stores balance information of a first account whose name is either an observer or an observer who observes the observer. The unit, the second account information storage unit that stores the balance information of the second account whose name is the observation target person, the observer device operated by the observer who observes the observation target person, and the observation target. It is a fund transfer management method in a fund transfer management system including an observation target person device operated by a person and a management server that manages the fund transfer from the first account information storage unit to the second account information storage unit. .. Then, the observer device grants the observer device a first reference authority to the second account information storage unit, and the management server grants the observer the first reference authority based on the first reference authority. The device controls the reference processing to the second account information storage unit, the observer device approves the conditions for transferring funds from the first account to the second account, and the management server approves the conditions for transferring funds. Based on the approved fund transfer conditions, the fund transfer process from the first account information storage unit to the second account information storage unit is executed.

The information processing apparatus according to the third aspect of the present disclosure is a first account information storage unit that stores balance information of a first account whose name is either an observer or an observer who observes the observer. Therefore, it is an information processing device that manages the transfer of funds to the second account information storage unit that stores the balance information of the second account whose name is the observation target person, and is an observation target operated by the observation target person. The first reference authority to the second account information storage unit granted to the observer device operated by the observer who observes the observer is received from the person device, and the observer device gives the observer device. Access control that accepts a reference request to the second account information storage unit and controls reference processing to the second account information storage unit by the observer device based on the first reference authority in response to the reference request. The unit and the observer device accept the approval of the fund transfer condition from the first account to the second account, and the first account information storage unit receives the approval of the fund transfer condition based on the approved fund transfer condition. (2) It is provided with a fund transfer processing unit that executes fund transfer processing to the account information storage unit.

The information processing apparatus according to the fourth aspect of the present disclosure is a first account information storage unit that stores balance information of a first account whose name is either an observer or an observer who observes the observer. Approves the conditions for transferring funds to the second account information storage unit that stores the balance information of the second account whose name is the observation target, and from the first account information storage unit to the second account information storage unit. The approved fund transfer condition is transmitted to the management server in order to execute the fund transfer process.

The information processing apparatus according to the fifth aspect of the present disclosure is a first account information storage unit that stores balance information of a first account whose name is either an observer or an observer who observes the observer. The second account information for the observer device that approves the conditions for transferring funds to the second account information storage unit that stores the balance information of the second account whose name is the observation target person by the operation of the observer. To the management server that grants the first reference authority to the storage unit and executes the fund transfer process from the first account information storage unit to the second account information storage unit based on the approved fund transfer condition. On the other hand, in order to control the reference processing to the second account information storage unit by the observer device, the given first reference authority is transmitted.

The fund transfer management program according to the sixth aspect of the present disclosure stores the balance information of the first account whose name is either the observer or the observer who observes the observer. It is a fund transfer management program in a management server that manages the transfer of funds from the department to the second account information storage unit that stores the balance information of the second account whose name is the observation target person. Then, the first from the observation target person device operated by the observation target person to the second account information storage unit assigned to the observer device operated by the observer observing the observation target person. The process of accepting the reference authority, the process of accepting the reference request from the observer device to the second account information storage unit, and the process of receiving the reference request by the observer device based on the first reference authority. The process of controlling the reference process to the second account information storage unit, the process of accepting the approval of the fund transfer condition from the first account to the second account from the observer device, and the process of accepting the approval. The management server is made to execute the process of executing the process of transferring funds from the first account information storage unit to the second account information storage unit based on the fund transfer conditions.

The fund transfer management program according to the seventh aspect of the present disclosure stores the balance information of the first account whose name is either the observer or the observer who observes the observer. The process of approving the conditions for transferring funds from the department to the second account information storage unit that stores the balance information of the second account whose name is the observer, and the second account information from the first account information storage unit. In order to execute the fund transfer process to the storage unit, the management server is made to execute the process of transmitting the approved fund transfer condition and the computer.

The fund transfer management program according to the eighth aspect of the present disclosure stores the balance information of the first account whose name is either the observer or the observer who observes the observer. The second account for the observer device that approves the conditions for transferring funds from the department to the second account information storage unit that stores the balance information of the second account whose name is the observer. The process of granting the first reference authority to the information storage unit and the process of transferring funds from the first account information storage unit to the second account information storage unit are executed based on the approved fund transfer conditions. In order for the management server to control the reference process to the second account information storage unit by the observer device, the computer is made to execute the process of transmitting the first reference authority granted.

The second to eighth aspects of the present disclosure described above can also have the same effect as the first aspect described above.

According to the present disclosure, a fund transfer management system, a fund transfer management method, and information processing for suppressing excessive expenditure of funds held by the observer by the observer while respecting the intention of the observer to protect privacy. Equipment and fund transfer management programs can be provided.

It is a block diagram which shows the whole structure of the fund transfer management system which concerns on Embodiment 1. It is a block diagram which shows the structure of the observation subject apparatus which concerns on Embodiment 1. It is a block diagram which shows the structure of the observer apparatus which concerns on Embodiment 1. It is a figure for demonstrating the concept of deposit / withdrawal and access authority for each account which concerns on Embodiment 1. FIG. It is a sequence diagram which shows the flow of the reference authority granting process and the reference process for each account which concerns on Embodiment 1. FIG. It is a figure which shows the example of the reference screen of the balance of the 1st account and transaction information in the observation subject apparatus which concerns on Embodiment 1. FIG. It is a figure which shows the example of the reference screen of the balance of the 2nd account, and the transaction information in the observation subject apparatus which concerns on Embodiment 1. FIG. It is a sequence diagram which shows the flow of the fund transfer process based on the fund transfer request from the observation target person which concerns on Embodiment 1. It is a figure which shows the example of the fund transfer request input screen in the observation subject apparatus which concerns on Embodiment 1. It is a figure which shows the example of the fund transfer request approval screen in the observer apparatus which concerns on Embodiment 1. It is a figure which shows the example of the fund transfer history reference screen in the observer apparatus which concerns on Embodiment 1. It is a flowchart which shows the flow of the fund transfer process of the management server when the fund transfer condition concerning the present Embodiment 1 is a fixed amount remittance. It is a flowchart which shows the flow of the fund transfer process of the management server when the fund transfer condition which concerns on this Embodiment 1 is a trigger remittance. It is a flowchart which shows the flow of analysis of the history information and notification processing which concerns on Embodiment 1. It is a sequence diagram which shows the flow of the financial product recommendation process which concerns on Embodiment 1. It is a figure for demonstrating the concept of deposit / withdrawal and access authority for each account which concerns on Embodiment 2. FIG. It is a block diagram which shows the whole structure of the fund transfer management system which concerns on Embodiment 3 of this invention.

Hereinafter, specific embodiments to which the present invention is applied will be described in detail with reference to the drawings. In each drawing, the same elements are designated by the same reference numerals, and duplicate explanations will be omitted as necessary for the sake of clarity of explanation.

<Embodiment 1>
FIG. 1 is a block diagram showing an overall configuration of the fund transfer management system 1000 according to the first embodiment. As a premise, it is assumed that the observer U2 and the observer U3 are, for example, a family living in a distant place, and the observer U3 needs to observe (watch) the life of the observer U2. The fund transfer management system 1000 is for the observer U3 to observe the economic activity of the funds in the account of the financial institution held by the observer U2, thereby suppressing the excessive expenditure of the funds held by the observer U2. It is the mechanism of. In the fund transfer management system 1000, the account management system 1, the observer device 2, and the observer device 3 are connected via a network N. The network N may be a communication network such as the Internet, a public network, a leased line, or a mobile communication network.

The observation target person device 2 is an information processing device operated by the observation target person U2. For example, it is assumed that the application according to the present embodiment is operating in the observation target person device 2, and the application is logged in with the user ID and password of the observation target person U2. That is, in the present embodiment, the access process to the account information storage unit by the observation target person device 2 is synonymous with the access to the account by the observation target person U2.

The observer device 3 is an information processing device operated by the observer U3. For example, it is assumed that the observer device 3 is operating the application according to the present embodiment, and the application is logged in with the user ID and password of the observer U3. That is, in the present embodiment, the access process to the account information storage unit by the observer device 3 is synonymous with the access to the account by the observer U3.

The observer device 2 and the observer device 3 can be realized by an information processing device such as a desktop computer, a notebook computer, a tablet terminal, or a smartphone. Further, the application operating on the observer device 2 and the observer device 3 can communicate using an API (Application Programming Interface) or the like provided by net banking on the management server 13 described later. The applications operating on the observer device 2 and the observer device 3 may have a common function and may be switched between the observer device and the observer device depending on the setting. The details of the observer device 2 and the observer device 3 will be described later.

The account management system 1 includes a first account information storage unit 11, a second account information storage unit 12, and a management server 13. The account management system 1 is, for example, an information system operated by a financial institution, a so-called net banking system, or the like. The first account information storage unit 11 is a storage area for storing the balance information 111 of the first account. The second account information storage unit 12 is a storage area for storing the balance information 121 of the second account.

Here, it is assumed that the name of the first account is either the observer U2 or the observer U3. Then, in the first embodiment, the name of the first account will be described below assuming that it is the observation target person U2. Further, it is assumed that the name of the second account is the observer U2. When the first account and the second account are opened in the same financial institution, the first account information storage unit 11 and the second account information storage unit 12 are one managed by the financial institution. Or, it shall exist in a plurality of storage devices. In the present embodiment, at least the second account may be opened in the financial institution, and the first account may be opened in another financial institution. In that case, the first account information storage unit 11 will be installed outside the account management system 1.

The management server 13 is an information processing device belonging to an information system operated by the financial institution. The management server 13 does not have to be one, and may be processed by computers distributed in a plurality of units. Further, the management server 13 is connected to the first account information storage unit 11 and the second account information storage unit 12.

The management server 13 includes a CPU (Central Processing Unit) 131, a memory 132, a communication unit 133, and a storage device 134. The CPU 131 is a central arithmetic unit and controls a memory 132, a communication unit 133, and a storage device 134. The memory 132 is a volatile storage device such as a RAM (Random Access Memory). The communication unit 133 accesses the first account information storage unit 11 and the second account information storage unit 12 by reading or writing the balance information 111 and 121 in response to the instruction from the CPU 131. Further, the communication unit 133 transmits / receives data to / from the observer device 2 and the observer device 3 via the network N in response to an instruction from the CPU 131. Further, the communication unit 133 receives the request from the observer device 2 and the observer device 3 and transmits the request to the CPU 131.

The storage device 134 is a non-volatile storage device such as an HDD (Hard Disk Drive) or a flash memory. Further, the storage device 134 does not have to be one, and may be a storage device distributed in a plurality of units. The storage device 134 stores the authority information 1341, the fund transfer condition 1342, the history information 1343, the analysis result 1344, the financial product information 1345, and the program 1346. The storage device 134 is also an example of a history information storage unit. The storage device 134 stores information required for a normal computer system such as an OS (Operating System) as a configuration (not shown).

The authority information 1341 is information defined by associating the reference authority and withdrawal authority for each of the first account information storage unit 11 and the second account information storage unit 12 with the authorized user (device operated by). be. In addition, each of the reference authority and the withdrawal authority is information indicating whether or not each authority is possessed.

Here, in the first embodiment, the name of the first account is the observation target person U2. Then, the reference authority for the first account information storage unit 11 is set to exist in the observation target person device 2. On the other hand, the withdrawal authority for the first account information storage unit 11 is set to be none in the observer device 2. Further, the observer device 3 is set to have no reference authority for the first account information storage unit 11 in principle. However, when the observer device 2 grants the reference authority to the observer device 3, the reference authority to the first account information storage unit 11 is set to be present to the observer device 3. Further, the observer device 3 is set to have no withdrawal authority for the first account information storage unit 11.

The name of the second account is the observer U2. Therefore, the reference authority and the withdrawal authority for the second account information storage unit 12 are set to exist in the observation target person device 2. Further, the observer device 3 is set to have no reference authority for the second account information storage unit 12 in principle. However, when the observer device 2 grants the reference authority to the observer device 3, the reference authority to the second account information storage unit 12 is set to be present to the observer device 3. Further, the observer device 3 is set to have no withdrawal authority for the second account information storage unit 12.

The fund transfer condition 1342 is information that defines the conditions for transferring funds from the first account to the second account. In addition, the fund transfer condition 1342 contains information indicating approval or disapproval of the condition by the observer device 3 (observer U3). Fund transfer conditions 1342 include, but are not limited to, fixed-time remittances, trigger remittances, occasional remittances, and the like. The fixed-time fixed-amount remittance is a condition in which the first amount information, which is a fixed amount when the funds are transferred and the interval of the fund transfer processing, is defined in advance, and is an example of the first condition. The trigger remittance is a condition in which the threshold value of the balance information of the second account and the second amount information as a reference when transferring funds are defined in advance, and is an example of the second condition. Here, the second condition may further include the upper limit of the number of times the fund transfer process is executed in a predetermined period. The occasional remittance is a fund transfer that is individually performed at the request of the observer U2 and the approval of the observer U3, and includes the date and time of the approved fund transfer process and the amount of the fund transfer. However, the remittance at any time does not have to be stored in the storage device 134 as the fund transfer condition 1342.

The history information 1343 is information including an execution history including the execution date and time of the fund transfer process and the transfer amount, a withdrawal history from the second account, and an access history to the second account information storage unit 12 by the observer device 2. be. The analysis result 1344 is the result of a predetermined analysis process for the history information 1343. The financial product information 1345 is a set of information about a plurality of financial products.

The program 1346 is a computer program in which the processing in the management server 13 according to the present embodiment is implemented, and is an example of the fund transfer management program. Therefore, the CPU 131 reads and executes the OS and the program 1346 stored in the storage device 134, so that the management server 13 has an access control unit 1311, a fund transfer processing unit 1312, a history storage unit 1313, and an analysis processing unit, which will be described later. The 1314 and the notification processing unit 1315 are realized.

The CPU 131 operates as an access control unit 1311, a fund transfer processing unit 1312, a history storage unit 1313, an analysis processing unit 1314, and a notification processing unit 1315. The access control unit 1311 controls access processing based on the authority information 1341 in response to an access request from the observer device 2 or the observer device 3 to the first account information storage unit 11 or the second account information storage unit 12. .. Here, the access request includes a reference request and a withdrawal (expenditure from the account, account transfer, account transfer, fund transfer) request, and the access process includes reference processing of the balance information of the account and withdrawal from the account. There is processing. For example, when the access control unit 1311 is set to have reference authority or withdrawal authority for the account indicated by the access request, the access control unit 1311 permits access processing to the account information storage unit corresponding to the account, and has reference authority or withdrawal authority. If no money authority is set, access processing to the account information storage unit is prohibited.

Further, the access control unit 1311 receives the first reference authority from the observer device 2 to the second account information storage unit 12 granted to the observer device 3, and assigns the first reference authority the authority information 1341. In addition, it is stored in the storage device 134. The first reference authority is information indicating whether or not the reference authority of the second account information storage unit 12 is granted to the observer device 3. Further, the access control unit 1311 receives the second reference authority from the observer device 2 to the first account information storage unit 11 granted to the observer device 3, and assigns the second reference authority to the authority information 1341. In addition, it is stored in the storage device 134. The second reference authority is information indicating whether or not the reference authority of the first account information storage unit 11 is granted to the observer device 3.

The fund transfer processing unit 1312 accepts the approval of the fund transfer condition from the first account to the second account from the observer device 3, and the first account information storage unit 11 to the first based on the approved fund transfer condition. 2 Execute the fund transfer process to the account information storage unit 12. Here, when the above-mentioned fixed amount remittance or trigger remittance is accepted as the fund transfer condition, the fund transfer processing unit 1312 stores it in the storage device 134 as the fund transfer condition 1342. In addition, even when the above-mentioned occasional remittance is accepted as the fund transfer condition, the fund transfer processing unit 1312 may similarly store the fund transfer condition 1342 in the storage device 134. In particular, when the observer device 3 approves the fund transfer request from the observer device 2, the fund transfer processing unit 1312 has the first account information storage unit 11 to the second regarding the fund transfer amount related to the fund transfer request. The fund transfer process to the account information storage unit 12 is executed. Further, when the first condition is approved by the observer device 3, the fund transfer processing unit 1312 processes the fund transfer for the amount based on the first amount information at each interval defined in the fund transfer condition 1342. To execute. Further, the fund transfer processing unit 1312 determines the amount of money based on the second amount information when the second condition is approved by the observer device 3 and the balance information 121 of the second account falls below the threshold value. Execute the fund transfer process.

The history storage unit 1313 stores the history information 1343 of the fund transfer process by the fund transfer processing unit 1312 in the storage device 134. Further, the history storage unit 1313 includes the withdrawal history from the second account in the history information 1343 and stores it in the storage device 134. Further, the history storage unit 1313 includes the access history of the observation target person device 2 to the second account information storage unit 12 in the history information 1343 and stores it in the storage device 134.

The analysis processing unit 1314 refers to the history information 1343 and periodically executes the first analysis processing for the withdrawal history. The first analysis process is, for example, analyzing the withdrawal destination (store of payment destination by debit card, automatic withdrawal destination account, etc.), withdrawal amount, withdrawal date and time, etc. from the second account, and the observer U2. Analyzing patterns of daily economic activity in Japan can be mentioned. For example, when the withdrawal destination is a supermarket, it is possible to calculate the shopping interval at the supermarket and the average shopping amount. In addition, if the withdrawal destination is a pharmacy, there is a possibility that the prescription is based on a prescription, and it is possible to analyze it as health management information.

Further, the analysis processing unit 1314 refers to the history information 1343 and periodically executes a second analysis process for the access history. The second analysis process is, for example, an access process to the second account information storage unit 12 by the observer device 2, that is, an analysis of the access date / time, the distinction between the reference process and the withdrawal process, and the like, and the access frequency and cycle. Etc., and analyze the behavior pattern of the observer U2. As the second analysis process, the fund transfer history, withdrawal history, and access history may be comprehensively analyzed. Further, the analysis processing unit 1314 stores the results of various analysis processes as the analysis results 1344 in the storage device 134.

Further, the analysis processing unit 1314 refers to the financial product information 1345, and refers to the observer U2 and the observer U3 based on the balance information 111 and the history information 1343 of the first account from among the plurality of financial products. Select the financial product to be recommended.

When the number of executions of the fund transfer processing based on the second condition in the predetermined period exceeds the upper limit value, the notification processing unit 1315 notifies the observer device 3 to that effect. Further, when the result of the first analysis processing satisfies a predetermined condition, the notification processing unit 1315 notifies at least one of the observation target person device 2 and the observer device 3 to that effect. When the result of the second analysis process satisfies a predetermined condition, the notification processing unit 1315 notifies at least one of the observer device 2 and the observer device 3 to that effect. Further, the notification processing unit 1315 generates notification information based on the balance information 111 and the history information 1343 of the first account, and the generated notification information is provided to at least one of the observer device 2 and the observer device 3. To send.

Further, the notification processing unit 1315 transmits to both the observer device 2 and the observer device 3 that the purchase of the financial product selected by the analysis processing unit 1314 is recommended. Then, when the notification processing unit 1315 receives consent including designation of the purchase amount for the recommended financial product from both the observer device 2 and the observer device 3, the first account information storage unit 11 to the second The fund transfer process of the purchase amount is executed to the account information storage unit 12, and the access control unit 1311 executes the withdrawal process of the purchase amount from the second account information storage unit 12.

FIG. 2 is a block diagram showing the configuration of the observation target person device 2 according to the first embodiment. The observer device 2 includes a CPU 21, a memory 22, a communication unit 23, a storage device 24, an input unit 25, and a display unit 26. The CPU 21 is a central arithmetic unit and controls a memory 22, a communication unit 23, a storage device 24, an input unit 25, and a display unit 26. The memory 22 is a volatile storage device such as a RAM. The communication unit 23 transmits / receives data to / from the observer device 3 and the management server 13 via the network N in response to an instruction from the CPU 21. Further, the communication unit 23 receives the request from the management server 13 and the observer device 3 and transmits the request to the CPU 21.

The storage device 24 is a non-volatile storage device such as an HDD or a flash memory. Further, the storage device 24 stores the program 241 and the like. The storage device 24 stores information required for a normal computer system, such as an OS, as a configuration (not shown). The program 241 is a computer program in which the processing in the observer device 2 according to the present embodiment is implemented, and is an example of a fund transfer management program. Therefore, the CPU 21 reads and executes the OS and the program 241 stored in the storage device 24, so that the observer device 2 has the reference authority granting unit 211, the fund transfer request unit 212, the account access unit 213, and the account access unit 213, which will be described later. The notification processing unit 214 is realized.

The input unit 25 receives an input operation from the observation target person U2 and notifies the CPU 21 of a control signal according to the operation content. The input unit 25 can be realized by an input device such as a keyboard or a mouse, a detection unit that detects contact with a touch panel, or the like. The display unit 26 displays the display information notified from the CPU 21 on a screen or the like.

The CPU 21 operates as a reference authority granting unit 211, a fund transfer request unit 212, an account access unit 213, and a notification processing unit 214. The reference authority granting unit 211 grants the first reference authority to the second account information storage unit 12 to the observer device 3 in response to the operation of the observer U2. Further, the reference authority granting unit 211 grants the observer device 3 a second reference authority to the first account information storage unit 11 in response to the operation of the observer U2. Then, the reference authority granting unit 211 transmits the granted first reference authority and the second reference authority to the management server 13.

The fund transfer request unit 212 receives the first fund transfer amount from the first account information storage unit 11 to the second account information storage unit 12 input to the input unit 25 by the observer U2. Then, the fund transfer request unit 212 transmits a first fund transfer request including the first fund transfer amount to the observer device 3 in response to the operation of the observer U2. At this time, the fund transfer request unit 212 may transmit the first fund transfer request to the observer device 3 via the management server 13.

The account access unit 213 transmits a reference request for balance information and transaction information to the first account information storage unit 11 or the second account information storage unit 12 to the management server 13 in response to the operation of the observation target person U2. .. Then, the account access unit 213 displays the balance information and the transaction information received from the management server 13 on the display unit 26. Further, the account access unit 213 transfers from the second account information storage unit 12 to an arbitrary transfer destination or transfer destination account to the management server 13 in response to the account transfer or account transfer operation of the observer U2. Send a withdrawal request for the specified amount.

The notification processing unit 214 receives the notification information received from the management server 13, displays the notification information on the display unit 26 as necessary, and responds to the management server 13 in response to the operation of the observation target person U2.

FIG. 3 is a block diagram showing the configuration of the observer device 3 according to the first embodiment. The observer device 3 includes a CPU 31, a memory 32, a communication unit 33, a storage device 34, an input unit 35, and a display unit 36. The CPU 31 is a central processing unit and controls a memory 32, a communication unit 33, a storage device 34, an input unit 35, and a display unit 36. The memory 32 is a volatile storage device such as a RAM. The communication unit 33 transmits / receives data to / from the observation target person device 2 and the management server 13 via the network N in response to an instruction from the CPU 31. Further, the communication unit 33 receives the request from the management server 13 and the observation target person device 2 and transmits the request to the CPU 31.

The storage device 34 is a non-volatile storage device such as an HDD or a flash memory. Further, the storage device 34 stores the program 341 and the like. The storage device 34 stores information required for a normal computer system such as an OS as a configuration (not shown). The program 341 is a computer program in which the processing in the observer device 3 according to the present embodiment is implemented, and is an example of a fund transfer management program. Therefore, the CPU 31 reads and executes the OS and the program 341 stored in the storage device 34, so that the observer device 3 has the condition approval unit 311, the account access unit 312, the notification processing unit 313, and the history reference unit, which will be described later. Achieve 314.

The input unit 35 receives an input operation from the observer U3 and notifies the CPU 31 of a control signal according to the operation content. The input unit 35 can be realized by an input device such as a keyboard or a mouse, a detection unit that detects contact with a touch panel, or the like. The display unit 36 displays the display information notified from the CPU 31 on a screen or the like.

The CPU 31 operates as a condition approval unit 311, an account access unit 312, a notification processing unit 313, and a history reference unit 314. The condition approval unit 311 approves the conditions for transferring funds from the first account to the second account based on the operation of the observer U3. For example, when the fund transfer condition is remittance at any time, the condition approval unit 311 receives the fund transfer request from the observer device 2 and displays the fund transfer amount and the like included in the fund transfer request on the display unit 26. When the fund transfer condition is a fixed-time fixed amount remittance or a trigger remittance, the condition approval unit 311 receives an approval request for the fund transfer condition from the observer device 2 or the management server 13, and the funds included in the received fund transfer request. The movement amount and the like are displayed on the display unit 26. Then, in either case, the condition approval unit 311 transmits to the management server 13 that the fund transfer request is approved or disapproved in response to the input of approval or disapproval to the input unit 35 of the observer U3. .. Further, the condition approval unit 311 may accept a predetermined fund transfer condition input to the input unit 35 by the observer U3 and transmit the fund transfer condition to the management server 13 as an approved condition. In this case, the management server 13 stores the received fund transfer condition in the storage device 134 as an approved condition.

The observation target person device 2 may accept a predetermined fund transfer condition input to the input unit 25 by the observation target person U2 and transmit it to the management server 13 for registration. In this case, the management server 13 stores the received fund transfer condition in the storage device 134 as an unapproved state, and also transmits an approval request for the fund transfer condition to the observer device 3. Then, the management server 13 updates the storage device 134 with the fund transfer condition approved or disapproved according to the response result of approval or disapproval from the observer device 3. Alternatively, the observer device 2 may directly transmit the approval request for the predetermined fund transfer condition to the observer device 3.

The account access unit 312 transmits a reference request for balance information and transaction information to the first account information storage unit 11 or the second account information storage unit 12 to the management server 13 in response to the operation of the observer U3. Then, the account access unit 312 displays the response content received from the management server 13 on the display unit 36. For example, when the observer device 3 is set to have reference authority for the account in the reference request, the account access unit 312 receives the balance information and transaction information of the target account from the management server 13, and the display unit 36. Balance information and transaction information are displayed in. On the other hand, when the observer device 3 is set to have no reference authority for the account in the reference request, the account access unit 312 receives a notification from the management server 13 that the target account cannot be referenced, and the display unit 36. To that effect is displayed on.

The notification processing unit 313 receives the notification information received from the management server 13, displays the notification information on the display unit 36 as necessary, and responds to the management server 13 in response to the operation of the observer U3. The history reference unit 314 transmits a reference request for the fund transfer history to the management server 13 in response to the operation of the observer U3. Then, the history reference unit 314 displays the fund transfer history received from the management server 13 on the display unit 36.

FIG. 4 is a diagram for explaining the concept of deposit / withdrawal and access authority for each account according to the first embodiment. Here, the observer is an elderly parent U2a, and the observer is a child U3a, which is a substantial guardian of the parent U2a. Then, an example of the observer device 2 and the observer device 3 is a mobile terminal 2a and 3a such as a smartphone or a tablet terminal. It is assumed that the mobile applications 21a and 31a that realize the functions of the CPU 21 and the CPU 31 described above are operating on the mobile terminals 2a and 3a.

First, as a premise, it is assumed that the elderly parent U2a has already opened a first account 11a at a financial institution and holds a large amount of funds. Further, it is assumed that the ATM card 141, the debit card or the credit card (hereinafter, "debit card or the like") 142 associated with the first account 11a has been issued. Here, in order to apply the fund transfer management system 1000a according to the present embodiment, it is assumed that a second account 12a is opened at a financial institution in the name of the parent U2a. At this time, the financial institutions of the first account 11a and the second account 12a may be different. However, in the explanation of FIG. 4, it is assumed that they are the same financial institution. Here, the second account 12a can also be referred to as a watching account. For the second account 12a, an account opened in the name of the parent U2a may be used. Then, along with the opening of the second account 12a, an ATM card 144 and a debit card 145 associated with the second account 12a are issued. At this time, the financial institution performs the procedure for suspending the use of the ATM card 141, the debit card, etc. 142 for the first account 11a. As part of the suspension procedure, the financial institution information system 13a operated by the financial institution will withdraw money from the first account 11a using an ATM card 141 and a debit card 142, and transfer to an account other than the second account 12a. / Stop using the account transfer 143 (S001). That is, the financial institution information system 13a suspends withdrawal processing from the first account 11a to other than the second account 12a. Further, the financial institution information system 13a prohibits the process of transferring funds from the first account 11a to the second account 12a except for the funds transfer conditions approved by the mobile terminal 3a. Further, the financial institution transfers the automatic withdrawal service such as utility charges set in the first account 11a to the second account 12a. On the other hand, the financial institution information system 13a permits withdrawals from the second account 12a using the ATM card 144 and the debit card 145, and the use of account transfer / account transfer 146 to any account (S002). However, issuance of a credit card linked to the second account 12a is not permitted. If necessary, the passbook and seal of the first account 11a may be deposited in a safe deposit box. Alternatively, the financial institution that manages the first account 11a may suspend the withdrawal processing by the passbook. As a result, the withdrawal destination from the first account 11a is limited to the second account 12a, while the parent U2a is free to withdraw from the second account 12a within the range of the balance. be able to.

Here, the flow of the reference authority granting process and the reference process for each account according to the first embodiment will be described with reference to FIGS. 5, 6 and 7 in addition to FIG. First, the observation target person device 2 transmits a reference request such as a balance of the first account information storage unit 11 or the second account information storage unit 12 to the management server 13 (S111). Then, the management server 13 reads the account information or the like from the account information storage unit corresponding to the account specified in the received reference request, and responds to the observed person device 2 with the read account information or the like (S112). After that, the observation target person device 2 displays the received balance information and the like on the display unit 26 (S113). For example, as shown in FIG. 4, the mobile terminal 2a can refer to the balance information of the first account 11a and the second account 12a (S003) via the financial institution information system 13a.

FIG. 6 is a diagram showing an example of a reference screen 251 for the balance of the first account 11a and the transaction information in the mobile terminal 2a according to the first embodiment. The reference screen 251 includes an account name 2511, a balance 2512, and a transaction history 2513. In the account name 2511, the name of the parent U2a is displayed as the name of the first account which is the display target account. In the balance 2512, the balance of the first account 11a is displayed. In the transaction history 2513, the history of transactions for each date in the first account 11a is displayed. The displayed contents of the transaction history are, for example, the date, the transaction contents, the withdrawal amount, the deposit amount, and the like. Here, it is shown that the transfer of funds according to the present embodiment is displayed as “transfer”. The display content and display format of the transaction history are not limited to this.

FIG. 7 is a diagram showing an example of a reference screen 252 for the balance and transaction information of the second account 12a in the mobile terminal 2a according to the first embodiment. The reference screen 252 includes an account name 2521, a balance 2522, and a transaction history 2523. In the account name 2521, the name of the parent U2a is displayed as the holder of the second account, which is the display target account. In the balance 2522, the balance of the second account 12a is displayed. The transaction history 2523 displays the transaction history for each date in the second account 12a. For example, it is shown that payment by debit card 145, withdrawal by ATM card 144, "transfer" by transfer of funds according to the present embodiment, etc. are displayed as transaction contents. The display format of the transaction history 2523 is the same as that of the transaction history 2513.

Returning to FIG. 5, the explanation will be continued. The observer device 2 transmits the contents of the reference authority of the observer device 3 to the management server 13 (S114). Then, the management server 13 sets the received reference authority in the authority information 1341 and updates the storage device 134 (S115). After that, the observer device 3 transmits a reference request such as the balance of the first account information storage unit 11 or the second account information storage unit 12 to the management server 13 (S116). Then, the management server 13 receives the reference request, refers to the authority information 1341, and determines whether or not the observer device 3 is set to have the reference authority for the account specified in the reference request (). S117). Then, the management server 13 transmits a response according to the reference authority to the observer device 3 (S118). The observer device 3 displays the received response content on the display unit 36 (S119).

For example, as shown in FIG. 4, the mobile terminal 2a has a reference authority (with or without) such as the balance of the first account 11a and the second account 12a for the child U3a (mobile terminal 3a) by the operation of the parent U2a. Grant (S0004). Therefore, the mobile terminal 3a can refer to the balance information of the first account 11a and the second account 12a via the financial institution information system 13a within the scope of the reference authority (S0005). If the reference authority is set, the mobile terminal 3a can display the balance information of the account or the like as shown in FIG. 6 or FIG. 7 described above.

In this way, the child U3a cannot freely browse even if the account is owned by its own parent. Then, the parent U2a can control the disclosure of the balance information of his / her account to the child U3a at his / her will. In particular, parents U2a are expected to be reluctant to freely browse their account balances and deposit / withdrawal histories, no matter how much their children are. It can be said that the conventional watching systems such as Patent Document 1 lack consideration for the privacy of the watched side, and as a result, hinder the spread of these mechanisms. On the other hand, in the present embodiment, as described above, it is possible to reflect the intention of privacy protection by the observer U2 who is being watched over. Therefore, it is possible to promote the spread of the fund transfer management system 1000 according to the present embodiment.

Subsequently, the flow of the fund transfer process based on the fund transfer request from the observer U2 according to the first embodiment will be described with reference to FIGS. 8, 9, and 10 in addition to FIG. FIG. 9 is a diagram showing an example of a fund transfer request input screen 253 in the mobile terminal 2a according to the first embodiment. The fund transfer request input screen 253 includes a deposit request amount input field 2531, an amount change button 2532, a comment input field 2533, a fund transfer request button 2534, and a cancel button 2535. The deposit request amount input field 2531 is an input field for the amount of money desired to be transferred from the first account 11a to the second account 12a. The amount change button 2532 is a button for changing the amount of the deposit request amount input field 2531. The comment input field 2533 is a comment input field for notifying the mobile terminal 3a when requesting the transfer of funds. The fund transfer request button 2534 is a button for transmitting a fund transfer request in response to being pressed by the parent U2a. The cancel button 2535 is a button for closing the fund transfer request input screen 253 in response to being pressed by the parent U2a.

In FIG. 8, first, the observer device 2 transmits a fund transfer request including a fund transfer amount and a comment to the management server 13 (S120). For example, when the fund transfer request button 2534 is pressed by the parent U2a, the mobile terminal 2a sends a fund transfer request including the amount of the deposit request amount input field 2531 and the comment of the comment input field 2533 to the financial institution information system 13a. And send. The management server 13 transmits a request for approval of the fund transfer condition in the received fund transfer request to the observer device 3 (S121). Then, the observer device 3 displays the received fund transfer condition approval request, that is, the fund transfer request from the observer device 2, on the display unit 36 (S122). As described above, the fund transfer request does not have to go through the management server 13. For example, in response to pressing the fund transfer request button 2534, the mobile terminal 2a may send a fund transfer request to the mobile terminal 3a by carrier mail of a mobile phone company, SMS (Short Message Service), or e-mail. .. In particular, it is desirable that the fund transfer request be sent by a more secure means than e-mail by push notification or the like.

FIG. 10 is a diagram showing an example of a fund transfer request approval screen 353 in the mobile terminal 3a according to the first embodiment. The fund transfer request approval screen 353 includes a request acceptance notification 3531, an account name 3532, a balance 3533, a comment display field 3534, a telephone button 3535, a cancel button 3536, and an approval button 3537. The request acceptance notification 3531 is a notation for notifying the number of cases where the fund transfer request from the parent U2a has been accepted. The account name 3532 is the name of the account to be observed by the child U3a, and here, the name of the parent U2a is displayed as the holder of the second account 12a. In the balance 3533, the balance of the second account 12a is displayed. In the comment display field 3534, a comment from the parent U2a included in the fund transfer request is displayed. The telephone button 3535 is a button for making a call from the mobile terminal 3a to the mobile terminal 2a in response to being pressed by the child U3a. The cancel button 3536 is a button for disapproving the fund transfer request and also sending a message to the mobile terminal 2a by SMS. That is, the mobile terminal 3a is a button for notifying the financial institution information system 13a of the disapproval of the fund transfer condition indicated by the fund transfer request when the cancel button 3536 is pressed. In this way, when the child U3a feels that the child U3a is a suspicious fund transfer request by the telephone button 3535, the necessity of the fund transfer can be confirmed directly to the parent U2a by telephone, SMS, or the like. Therefore, it is possible to prevent transfer fraud and the like. The approval button 3537 is a button for notifying the financial institution information system 13a of the approval of the fund transfer condition indicated by the fund transfer request from the mobile terminal 3a in response to the pressing by the child U3a.

Returning to FIG. 8, the explanation will be continued. When the observer U3 feels suspicious about the display content (fund transfer amount or comment) of the fund transfer request, the observer device 3 makes an inquiry directly to the observer device 2 (the observer device 3 makes an inquiry directly to the observer device 2. S123). For example, when the telephone button 3535 is pressed by the child U3a, the mobile terminal 3a makes a telephone call to the mobile terminal 2a, and the child U3a directly talks with the parent U2a by telephone to express the intention of requesting the transfer of funds. Confirm. It is not necessary to perform step S123. Then, the observer device 3 transmits to the management server 13 the approval of the fund transfer condition indicated by the fund transfer request in response to the approval operation by the child U3a (S124). The observer device 3 transmits to the management server 13 that the fund transfer condition is disapproved in response to the disapproval operation by the child U3a.

Then, the management server 13 receives the response to the approval request in step S121 from the observer device 3, and determines whether the fund transfer request is approved or disapproved (S125). Here, the explanation will be continued assuming that it has been approved. In that case, the management server 13 executes the fund transfer process so that the fund transfer amount included in the fund transfer request is transferred from the first account information storage unit 11 to the second account information storage unit 12 (S126). Then, the management server 13 stores the history of the fund transfer process in the storage device 134 (S127).

For example, as shown in FIG. 4, the parent U2a requests the transfer of funds from the first account 11a to the second account 12a when the funds are needed (in other words, a request for approval of the conditions for transferring funds). I do. For example, the mobile terminal 2a transmits a fund transfer request to the financial institution information system 13a (S006), and the financial institution information system 13a transmits an approval request for the received fund transfer request to the mobile terminal 3a (S007). Then, when the child U3a determines that there is no problem with the fund transfer request displayed on the mobile terminal 3a, the child U3a performs an approval operation. As a result, the mobile terminal 3a makes an approval response to the financial institution information system 13a (S008). In response to this, the financial institution information system 13a issues a fund transfer instruction (S009), and the funds are transferred from the first account 11a to the second account 12a (S012). At this time, the history of fund transfer is saved as the fund transfer history 1343a (S013).

As described above, in the present embodiment, when the observer U2 makes a payment, the funds always go through the second account. Then, the amount of money deposited in the second account owned by the observer U2 can be controlled by the observer U3 approving the deposit amount. That is, by controlling the inflow amount to the second account, the observer U3 can control the upper limit of the balance of the second account. The observer U2 can freely pay from the second account, but is limited to the range of the balance of the second account. As a result, it is possible to prevent the observer U2 from making an excessive payment. In particular, since the approval of the observer U3 is required each time for remittance, the observer U3 can detect the possibility of excessive fund outflow such as transfer fraud and door-to-door sales, and prevent damage in advance. Can be done.

Returning to FIG. 8, the explanation will be continued. The observer device 3 transmits a reference request for the fund transfer history to the management server 13 by the operation of the observer U3 (S128). Then, the management server 13 reads the history information 1343 from the storage device 134 in response to the reference request of the fund transfer history, and responds to the observer device 3 with the fund transfer history (S129). After that, the observer device 3 displays the received fund transfer history on the display unit 36 (S130).

FIG. 11 is a diagram showing an example of a fund transfer history reference screen 354 in the mobile terminal 3a according to the first embodiment. The fund transfer history reference screen 354 includes a balance 3541, a balance 3542, and a fund transfer history 3543. In the balance 3541, the balance of the first account 11a of the transfer source is displayed. In the balance 3542, the balance of the second account 12a of the transfer destination is displayed. The fund transfer history 3543 displays the date of fund transfer from the first account 11a to the second account 12a, the transfer source and destination accounts, and the transfer amount.

For example, as shown in FIG. 4, the mobile terminal 3a can read and display the fund transfer history from the fund transfer history 1343a by operating the child U3a. Therefore, the observer U3 can overview the balance between the occasional remittance and the regular fixed amount remittance or the trigger remittance, and can reflect it in the future fund transfer conditions.

Further, when the fund transfer condition is a fixed-time fixed amount remittance or a trigger remittance, the mobile terminal 3a approves the fund transfer condition 1342a by the operation of the child U3a (S010). In response to this, the financial institution information system 13a issues a fund transfer instruction (S011) at the timing when the fund transfer condition 1342a is satisfied, and the funds are transferred from the first account 11a to the second account 12a (S012). .. Further, at this time, similarly to the above, the history of fund transfer is saved as the fund transfer history 1343a (S013).

FIG. 12 is a flowchart showing the flow of the fund transfer process of the management server 13 when the fund transfer condition according to the first embodiment is a fixed-time fixed amount remittance. First, the management server 13 receives the approval of the fund transfer condition from the observer device 3 (S131). Then, the management server 13 stores the approved fund transfer conditions in the storage device 134 (S132). After that, the management server 13 determines whether or not the fund transfer timing has been detected (S133). For example, the fund transfer processing unit 1312 determines whether or not the interval of the fund transfer processing defined as the first condition in the fund transfer condition 1342 has elapsed. If the interval has not elapsed, the process S133 is executed again after waiting for a predetermined time.

When it is determined in step S133 that the fund transfer timing has been detected, the management server 13 executes the fund transfer process (S134). For example, the fund transfer processing unit 1312 executes the fund transfer process for the amount of money based on the first amount information defined as the first condition in the fund transfer condition 1342. Then, the management server 13 stores the date and time, the amount of money transfer, and the like in the fund transfer process in the storage device 134 as history information 1343 (S135).

In this way, if the observer U3 approves the fixed-time remittance, the amount necessary for the daily life of the observer U2 can be secured in the second account, and the convenience for the observer U2 can be improved. Can be maintained.

FIG. 13 is a flowchart showing the flow of the fund transfer process of the management server when the fund transfer condition according to the first embodiment is a trigger remittance. First, the management server 13 receives the approval of the fund transfer condition from the observer device 3 (S141). Then, the management server 13 stores the approved fund transfer conditions in the storage device 134 (S142). After that, the management server 13 determines whether or not the balance of the second account has fallen below the threshold value (S143). For example, the fund transfer processing unit 1312 reads the balance information 121 from the second account information storage unit 12, compares the threshold defined as the second condition in the fund transfer condition 1342 with the balance information 121, and the balance information 121 is obtained. Determine if it is smaller than the threshold. If it is determined in step S143 that the balance of the second account is equal to or greater than the threshold value, the process waits for a predetermined time and then executes step S143 again. Alternatively, the management server 13 may execute step S143 when it detects that the withdrawal process has been executed in the second account information storage unit 12.

When it is determined in step S143 that the balance of the second account is less than the threshold value, the management server 13 calculates the fund transfer amount (S144). For example, the fund transfer processing unit 1312 may calculate the difference between the threshold value and the balance information 121 as the fund transfer amount. Alternatively, the fund transfer processing unit 1312 may calculate a fixed amount as the fund transfer amount. The fixed amount may be defined by being included in the second condition.

After that, the management server 13 executes the fund transfer process according to the fund transfer amount calculated in step S144 (S145). Then, the management server 13 stores the date and time, the amount of money transfer, and the like in the fund transfer process in the storage device 134 as history information 1343 (S146). After that, the management server 13 determines whether or not the number of executions of the fund transfer process exceeds the upper limit value (S147). For example, the fund transfer processing unit 1312 adds 1 to the number of executions each time step S145 is executed, and whether or not the number of executions after the addition exceeds the upper limit value defined as the second condition in the fund transfer condition 1342. Is determined. If the upper limit is not exceeded, the process returns to step S143.

On the other hand, if it is determined in step S147 that the number of executions exceeds the upper limit value, the management server 13 notifies the observer device 3 to that effect (S148). At this time, the management server 13 clears the number of executions to 0.

In this way, by approving the trigger remittance by the observer U3, the balance of the second account can be easily maintained within a certain range, so that the upper limit of the amount that the observer U2 can use at one time is controlled. can. In addition, since the balance of the second account is automatically replenished within a certain amount, the observer U2 does not feel the financial inconvenience in daily life. Further, by monitoring the maximum number of trigger remittances, it is possible to prevent the observer U2 from repeatedly using up the second account in a short period of time, and the observer U3 can detect it. Therefore, the trigger remittance can be safely applied.

Subsequently, the utilization of the history information 1343 accumulated by the management server 13 will be described. FIG. 14 is a flowchart showing the flow of analysis and notification processing of history information according to the first embodiment. First, the management server 13 executes an analysis process of history information (S151). Then, the management server 13 stores the analysis result 1344 in the storage device 134 (S152). After that, the notification processing unit 1315 determines whether or not the analysis result satisfies a predetermined condition (S153). If the predetermined condition is not satisfied, the process returns to step S151. On the other hand, when the predetermined condition is satisfied, the notification processing unit 1315 generates notification information (S154). Then, the notification processing unit 1315 transmits the notification information to the observation target person device 2 (S155). Further, the notification processing unit 1315 transmits the notification information to the observer device 3 (S156).

For example, the analysis processing unit 1314 reads out the withdrawal history from the second account information storage unit 12 in the history information 1343 from the storage device 134, and executes the first analysis processing. Then, it is assumed that the analysis processing unit 1314 detects a transaction with a withdrawal once a year by an annual subscription contract by analyzing the withdrawal history. In addition, the analysis processing unit 1314 specifies the average withdrawal date of each year. Further, the analysis processing unit 1314 determines the notification date as a predetermined condition one or two months before the specified withdrawal date. Then, the analysis processing unit 1314 stores the annual withdrawal amount, the withdrawal date, and the notification date in the storage device 134 as the analysis result 1344 in association with each other. After that, the notification processing unit 1315 determines that the notification date included in the analysis result 1344 has arrived, assuming that the predetermined condition is satisfied. Then, the notification processing unit 1315 generates notification information including a message indicating the review of the annual subscription contract, the annual withdrawal amount included in the analysis result 1344, and the withdrawal date. Therefore, the observer U2 or the observer U3 can confirm the notification information notified from the management server 13 one or two months before the withdrawal date, and decides whether or not the annual subscription contract should be reviewed. If you consider it and don't need it, you can cancel the annual subscription and reduce unnecessary spending.

Alternatively, the analysis processing unit 1314 can analyze the pattern of the daily economic activity of the observer U2 by the first analysis process. For example, when the observer U2 regularly visits the hospital, the withdrawal history is such that the payment at the medical institution is followed by the payment at the pharmacy. Therefore, if there is no payment at the pharmacy after the payment at the medical institution, it is possible that the observer U2 has forgotten to purchase the drug based on the prescription. Therefore, it is assumed that the predetermined condition is that the payment at the predetermined medical institution and the payment at the predetermined pharmacy are not made consecutively in this order. Therefore, when the predetermined condition is satisfied, it is detected as an abnormality of the observation target person U2, and the notification processing unit 1315 generates notification information A to be careful not to forget to purchase the medicine by prescription at the pharmacy. , The fact that the observation target person U2 has been detected is generated as the notification information B. Then, the notification processing unit 1315 transmits the notification information A to the observation target person device 2, and transmits the notification information B to the observer device 3. As a result, the observation target person U2 can notice the purchase forgetting or the like through the observation target person device 2. In addition, the observer U3 can detect an abnormality in the observer U2, and can quickly take concrete actions such as telephone contact and visit. Further, the analysis processing unit 1314 can analyze the health management state of the observer U2 from the transition of medical expenses from the withdrawal history and the tendency of the medical institution and the pharmacy as described above by the first analysis processing.

Alternatively, the analysis processing unit 1314 reads out the access history of the observation target person device 2 to the second account information storage unit 12 from the history information 1343 from the storage device 134, and executes the second analysis processing. Then, the analysis processing unit 1314 analyzes the behavior pattern of the observation target person U2 by calculating the access frequency, cycle, etc. of the observation target person device 2 to the second account information storage unit 12 by analyzing the access history. do. Further, the analysis processing unit 1314 determines that the access frequency in the last few days is lower than the predetermined value from the average access frequency as a predetermined condition. Then, the analysis processing unit 1314 stores the analysis result 1344 in the storage device 134 in association with the access frequency and the predetermined condition. After that, when the notification processing unit 1315 determines that the access frequency included in the analysis result 1344 for the last few days satisfies the predetermined condition, the notification processing unit 1315 generates a vital confirmation notification as the notification information A and detects an abnormality of the observer U2. That is generated as notification information B. Then, the notification processing unit 1315 transmits the notification information A to the observation target person device 2, and transmits the notification information B to the observer device 3. As a result, if the observation target person U2 can respond to the vital confirmation notification via the observation target person device 2, the management server 13 can confirm the safety of the observation target person U2. In addition, the observer U3 can detect an abnormality in the observer U2, and can quickly take concrete actions such as telephone contact and visit.

Alternatively, the analysis processing unit 1314 analyzes the balance information 111 and the history information 1343 of the first account, generates campaign information in the financial institution as notification information, and generates the generated campaign information in the observer device 2 and the observer. It may be transmitted to the device 3. As a result, it is possible to promote the sale of financial products and the like by financial institutions to appropriate customers.

FIG. 15 is a sequence diagram showing the flow of the financial product recommendation process according to the first embodiment. First, the management server 13 acquires the balance information 111 from the first account information storage unit 11 (S161). Further, the management server 13 reads the history information 1343 from the storage device 134 (S162). The steps S161 and S162 may be executed in parallel regardless of the order.

Next, the management server 13 selects a financial product based on the balance information 111 and the history information 1343 (S163). For example, the analysis processing unit 1314 analyzes the history information 1343 to grasp the characteristics of the economic activity of the observer U2. Here, it is assumed that the observer U2 has detected that subscriptions to automobile-related magazines and payments at automobile supply stores are made on a regular basis. Therefore, the analysis processing unit 1314 selects a financial product that invests in an automobile-related company from the financial product information 1345 as a recommendation target to the observer U2.

Then, the management server 13 transmits an approval request to the observer device 3 to recommend the purchase of the selected financial product to the observer U2 (S164). That is, the analysis processing unit 1314 requests the observer U3 to approve the recommendation of the selected financial product to the observer U2. As a result, the observer U3 can examine the financial product in advance, and can accurately determine whether or not the observer U2 should purchase and the purchase price (or quantity) thereof. Alternatively, the observer U3 may discuss the recommended financial product in consultation with the observer U2. Then, the observer device 3 accepts the input of the purchase price and the approval by the operation of the observer U3, and responds to the management server 13 to the effect of the purchase price and the approval (S165).

In this way, the financial institution can smoothly obtain the approval of the observer U3 when recommending the financial product to the observer U2, and can promote the sale of the financial product. In particular, it is useful because it is possible to easily keep a record of the approval of the observer U3.

Subsequently, the management server 13 recommends the financial product selected in step S163 in response to the response from the observer device 3, and indicates that the purchase at the purchase price specified by the observer U3 is approved. Is transmitted to the observer device 2 (S166). As a result, the observer U2 can determine whether or not to purchase the financial product at his / her own will with confidence on the premise that the observer U3 has approved it.

Then, the observation target person device 2 accepts the purchase amount and the purchase input by the operation of the observation target person U2, and responds to the management server 13 with the purchase amount and the financial product to be purchased (S167). In response to this, the management server 13 executes a fund transfer process of the purchase amount at the time of response from the first account information storage unit 11 to the second account information storage unit 12 (S168a and S168b). Further, the management server 13 executes a purchase process of the financial product with the returned purchase price (S169a). In particular, the management server 13 instructs the second account information storage unit 12 to process the withdrawal of the purchase amount (S169b). As the purchase process, an existing process can be used.

In FIG. 15, the recommendation of financial products is made to the observer device 3 in advance, but the present invention is not limited to this. For example, steps S164 to S167 may be processed as follows. First, the management server 13 transmits to the observer device 2 that the purchase of the selected financial product is recommended. Then, the observation target person device 2 accepts the input of the purchase amount and the purchase request by the operation of the observation target person U2, and responds to the management server 13 with the purchase amount and the financial product desired to be purchased. After that, the management server 13 transmits a purchase approval request by the observer U2 for the selected financial product to the observer device 3 in response to the response from the observer device 2. Then, the observer device 3 accepts the input of the purchase price and the approval by the operation of the observer U3, and responds to the management server 13 to the effect of the purchase price and the approval. After that, the management server 13 may execute steps S168a to S169b in response to the response from the observer device 3.

Alternatively, the management server 13 transmits to the observer device 2 that the purchase of the selected financial product is recommended, and at the same time, transmits a purchase approval request by the observer U2 for the selected financial product to the observer device 3. do. Then, the management server 13 executes steps S168a to S169b when both the purchase amount and the purchase request response from the observer device 2 and the purchase amount and the approval response from the observer device 3 are received. You may.

In this way, the financial institution can easily obtain mutual approval between the observer U2 and the observer U3 when recommending a certain financial product, and can further promote the sale of the financial approval.

The observation target person device 2 may be linked with the GPS (Global Positioning System) function and transmit the position information acquired periodically to the management server 13 each time. In this case, the management server 13 stores the position information received from the observation target person device 2 in the storage device 134 in addition to the history information 1343. After that, the analysis processing unit 1314 analyzes the change tendency of the position information within the predetermined period, identifies the normal action range of the observation target person U2, and determines that the observation target person U2 is out of the action range for a predetermined time or more as a predetermined condition. do. Then, the analysis processing unit 1314 associates the action range with the predetermined condition and stores it in the storage device 134 as the analysis result 1344. After that, when the notification processing unit 1315 detects that the position information acquired from the observation target person device 2 deviates from the action range included in the analysis result 1344 for a predetermined time or more, it means that the position information is out of the normal action range. Is generated as notification information, and the notification information is transmitted to the observer device 2 and the observer device 3. As a result, if the observation target person U2 seems to be lost, the management server 13 can grasp it by replying to that effect by the observation target person device 2. In addition, the observer U3 can detect an abnormality of the observer U2, and can quickly take concrete actions such as telephone contact or picking up at a place indicated by location information.

According to this embodiment, the financial and economic transaction activities by bank transactions freely performed by the observer such as family members living apart from home and abroad are restricted to withdrawals from the target account (second account), and the observer can withdraw. If permitted, the observer can monitor the daily activities of the observer through software that can be confirmed even from a remote location. As a result, privacy can be protected within the range of the observer's intention. In addition to this, when the observer makes a large amount of financial transactions that exceed the balance of the target account, such as transfer to the outside or purchase of financial products, the observer sends the observer to the target account. It provides a mechanism that requires approval of fund transfer conditions (transfer amount or purchase amount). Therefore, it is possible to prevent being involved in fraudulent acts such as transfer fraud. Furthermore, it is possible to confirm the economic activity of the other party, and eventually the survival, through the confirmation of the usage history.

According to this embodiment, the whole family can watch over the safe financial (economic) transactions of the family living away from home. This will lead to curbing damage and promoting a healthy social life. As a result, it becomes possible to secure a safe and secure lifestyle for the whole family.

<Embodiment 2>
The second embodiment is a modification of the first embodiment described above. That is, in the second embodiment, the name of the first account is assumed to be an observer. Then, the observer device sets the second fund transfer request including the second fund transfer amount from the first account information storage unit to the second account information storage unit as the approved fund transfer condition to the management server. Send. Then, the management server executes the fund transfer process of the second fund transfer amount from the first account information storage unit to the second account information storage unit based on the second fund transfer request. In the following, the description of the configuration equivalent to that of the first embodiment will be omitted as appropriate.

FIG. 16 is a diagram for explaining the concept of deposit / withdrawal and access authority for each account according to the second embodiment. Here, the observer is the child U2b who is boarding, and the observer is the parent U3b who is a dependent of the child U2b. Then, examples of the observer device 2 and the observer device 3 are mobile terminals 2b and 3b. Then, it is assumed that the mobile applications 21b and 31b that realize the functions according to the present embodiment are operating on the mobile terminals 2b and 3b.

First, as a premise, it is assumed that the parent U3b has already opened the first account 11b at a certain financial institution. Then, here, in order to apply the fund transfer management system 1000b according to the present embodiment, it is assumed that a second account 12b is opened in a certain financial institution in the name of the child U2b. At this time, the financial institutions of the first account 11b and the second account 12b may be different. However, in the explanation of FIG. 16, it is assumed that they are the same financial institution. Here, the second account 12v can also be called a watching account. For the second account 12v, an account already opened in the name of the boarding house U2b may be used. Then, along with the opening of the second account 12b, an ATM card 144 and a debit card 145 associated with the second account 12b are issued. Then, the financial institution information system 13b permits withdrawals from the second account 12b by the ATM card 144 and the debit card 145, and the use of the account transfer / account transfer 146 to any account (S002).

Here, in the second embodiment, the name of the first account 11b is the parent U3b. Therefore, the reference authority and the withdrawal authority for the first account information storage unit 11 are set to exist in the mobile terminal 3b. On the other hand, the reference authority and the withdrawal authority for the first account information storage unit 11 are set to be none in the mobile terminal 2b.

The name of the second account is the child U2b. Therefore, the reference authority and the withdrawal authority for the second account information storage unit 12 are set to exist in the mobile terminal 3b. Further, the reference authority for the second account information storage unit 12 is set to be none in the mobile terminal 3b in principle. However, when the mobile terminal 2b grants the reference authority, the reference authority for the second account information storage unit 12 is set to be present for the mobile terminal 3b. Further, the withdrawal authority for the second account information storage unit 12 is set to be none in the mobile terminal 3b.

The mobile terminal 2b can refer to the balance information of the second account 12b (S003b) via the financial institution information system 13b. The mobile terminal 2b grants the parent U3b (mobile terminal 3b) reference authority (with or without) such as the balance of the second account 12b by operating the child U2b (S0004b). Therefore, the mobile terminal 3b can refer to the balance information of the second account 12b via the financial institution information system 13b within the scope of the reference authority (S0005b). If the reference authority is set, the mobile terminal 3b can display the balance information of the account or the like as shown in FIG. 6 or FIG. 7 described above. The mobile terminal 3b can freely refer to the balance information of the first account 11b (S0005a).

As described above, even in the second embodiment, the same effect as that of the first embodiment described above can be obtained.

<Embodiment 3>
The third embodiment is a modification of the first and second embodiments described above. In the first and second embodiments, the management server is set in the financial institution information system. In other words, it was necessary to renovate the existing financial institution information system. On the other hand, in the third embodiment, the existing financial institution information system is left as it is, and an external management server is provided. In the following, the description of the configuration equivalent to that of the first embodiment will be omitted as appropriate.

FIG. 17 is a block diagram showing the overall configuration of the fund transfer management system 2000 according to the third embodiment. In the fund transfer management system 2000, the financial institution information system 1c, the management server 15, the observer device 2, and the observer device 3 are connected via the network N. The financial institution management server 13c included in the financial institution information system 1c is a server conventionally used by a financial institution to manage the first account information storage unit 11, the second account information storage unit 12, and the like. However, the first account may be opened at another financial institution. In that case, the first account information storage unit 11 will be installed outside the financial institution information system 1c. The financial institution management server 13c discloses the API for net banking to the outside. Further, the observer device 2 and the observer device 3 transmit and receive data to and from the management server 15 via the network N. On the other hand, the observer device 2 and the observer device 3 do not need to directly access the financial institution management server 13c for the processing according to the present embodiment.

The management server 15 implements the configuration peculiar to the first embodiment among the above-mentioned management servers 13. Further, the management server 15 calls the API of the financial institution management server 13c for the processing corresponding to the access control unit 1311 and the fund transfer processing unit 1312 in response to various requests from the observer device 2 and the observer device 3. And execute. Then, the management server 15 responds to the observation target person device 2 and the observer device 3 with the execution result.

In particular, the management server 15 proxy-executes access to the first account information storage unit 11 and the second account information storage unit 12 by the observer device 2 and the observer device 3. Therefore, the financial institution management server 13c does not need to modify the existing API. Therefore, it can be said that the present embodiment is easier to introduce. Furthermore, in recent years, APIs in online banking have become standardized and open among financial institutions. Therefore, it can be said that the construction of the management server 15 will be further promoted in the future.

<Other embodiments>
In the above-described embodiment, the description is made as a hardware configuration, but the present invention is not limited to this. The present disclosure can also be realized by causing a CPU (Central Processing Unit) to execute a computer program.

In the above example, the program can be stored and supplied to the computer using various types of non-transitory computer readable medium. Non-temporary computer-readable media include various types of tangible storage media. Examples of non-temporary computer-readable media include magnetic recording media (eg, flexible disks, magnetic tapes, hard disk drives), optomagnetic recording media (eg, optomagnetic disks), CD-ROMs (Read Only Memory), CD-Rs. Includes CD-R / W, DVD (Digital Versatile Disc), semiconductor memory (eg, mask ROM, PROM (Programmable ROM), EPROM (Erasable PROM), flash ROM, RAM (Random Access Memory)). The program may also be supplied to the computer by various types of transient computer readable media. Examples of temporary computer readable media include electrical, optical, and electromagnetic waves. The temporary computer-readable medium can supply the program to the computer via a wired communication path such as an electric wire and an optical fiber, or a wireless communication path.

The present disclosure is not limited to the above embodiment, and can be appropriately modified without departing from the spirit. Further, the present disclosure may be carried out by appropriately combining the respective embodiments.

1000 Fund transfer management system 1 Account management system 11 1st account information storage unit 111 Balance information 12 2nd account information storage unit 121 Balance information 13 Management server 131 CPU
1311 Access control unit 1312 Fund transfer processing unit 1313 History storage unit 1314 Analysis processing unit 1315 Notification processing unit 132 Memory 133 Communication unit 134 Storage device 1341 Authority information 1342 Fund transfer conditions 1343 History information 1344 Analysis result 1345 Financial product information 1346 Program N network U2 Observed person 2 Observed person device 21 CPU
211 Reference authority granting unit 212 Fund transfer request unit 213 Account access unit 214 Notification processing unit 22 Memory 23 Communication unit 24 Storage device 241 Program 25 Input unit 26 Display unit U3 Observer 3 Observer device 31 CPU
311 Condition approval unit 312 Account access unit 313 Notification processing unit 314 History reference unit 32 Memory 33 Communication unit 34 Storage device 341 Program 35 Input unit 36 Display unit 1000a Fund transfer management system 11a First account 12a Second account 13a Financial institution Information system 141 ATM card 142 Debit card, etc. 143 Account transfer / Account transfer 144 ATM card 145 Debit card 146 Account transfer / Account transfer U2a Parent 2a Mobile terminal 21a Mobile app U3a Child 3a Mobile terminal 31a Mobile app 1342a Fund transfer conditions 1343a History 251 Reference screen 2511 Account name 2512 Balance 2513 Transaction history 252 Reference screen 2521 Account name 2522 Balance 2523 Transaction history 253 Fund transfer request input screen 2531 Deposit request amount input field 2532 Amount change button 2533 Comment input field 2534 Fund transfer request button Button 353 Fund transfer request approval screen 3531 Request acceptance notification 3532 Account name 3533 Balance 3534 Comment display field 3535 Phone button 3536 Cancel button 3537 Approval button 354 Fund transfer history reference screen 3541 Balance 3542 Balance 3543 Fund transfer management system 11b 1 account 12b 2nd account 13b Financial institution information system U2b Child 2b Mobile terminal 21b Mobile app U3b Parent 3b Mobile terminal 31b Mobile app 2000 Fund transfer management system 1c Financial institution information system 13c Financial institution management server 15 Management server

Claims (18)

The first account information storage unit that stores the balance information of the first account whose name is either the observer or the observer who observes the observer.
A second account information storage unit that stores balance information of the second account whose name is the observer.
An observer device that approves the conditions for transferring funds from the first account to the second account based on the operation of the observer who observes the observer.
An observer device that grants the observer device a first reference authority to the second account information storage unit based on the operation of the observer.
The observer device controls the reference process to the second account information storage unit based on the first reference authority, and the first account information storage unit controls the reference processing from the first account information storage unit based on the approved fund transfer condition. A management server that executes the process of transferring funds to the second account information storage unit,
A fund transfer management system equipped with. The observer device transmits a first fund transfer request including a first fund transfer amount from the first account information storage unit to the second account information storage unit to the observer device.
The observer device approves or disapproves the first fund transfer request as the fund transfer condition.
The management server receives the funds of the first fund transfer amount from the first account information storage unit to the second account information storage unit when the first fund transfer request is approved by the observer device. The fund transfer management system according to claim 1, which executes transfer processing. The fund transfer condition includes a first condition that defines the interval of the fund transfer process and the first amount information.
The management server
The fund transfer according to claim 1 or 2, wherein the fund transfer process is executed for the amount of money based on the first amount information at each interval when the first condition is approved by the observer device. Management system. The fund transfer condition includes a second condition that defines a threshold value of the balance information of the second account and a second amount information.
The management server
When the second condition is approved by the observer device and the balance information of the second account falls below the threshold value, the fund transfer process is performed on the amount based on the second amount information. The fund transfer management system according to any one of claims 1 to 3 to be executed. The second condition further includes an upper limit of the number of times the fund transfer process is executed in a predetermined period.
The management server
The fund transfer management system according to claim 4, wherein when the number of executions of the fund transfer process based on the second condition in the predetermined period exceeds the upper limit value, the observer device is notified to that effect. The name of the first account is the person to be observed.
The observer device is
Further, the observer device is further imparted with the second reference authority to the first account information storage unit.
The management server
Based on the second reference authority, the observer device controls the reference process to the first account information storage unit.
Allowing the observation target person device to refer to the first account information storage unit,
Withdrawal processing from the first account information storage unit to other than the second account information storage unit is prohibited.
The fund transfer management system according to any one of claims 1 to 5, which prohibits the process of transferring funds from the first account information storage unit to the second account information storage unit other than the approved fund transfer conditions. .. The name of the first account is the observer,
The observer device makes the approved fund transfer request to the management server including the second fund transfer amount from the first account information storage unit to the second account information storage unit. Send as a move condition,
The management server executes the fund transfer process of the second fund transfer amount from the first account information storage unit to the second account information storage unit based on the second fund transfer request. The fund transfer management system according to any one of 5 to 5. The management server stores the history information of the fund transfer process in the history information storage unit, and stores the history information.
The fund transfer management system according to any one of claims 1 to 7, wherein the observer device refers to the history information to the history information storage unit. The management server
The withdrawal history from the second account is included in the history information and further stored in the history information storage unit.
The first analysis process for the withdrawal history is periodically executed.
The fund transfer management system according to claim 8, wherein when the result of the first analysis process satisfies a predetermined condition, at least one of the observer device and the observer device is notified to that effect. The management server
The access history of the second account information storage unit by the observation target person device is included in the history information and further stored in the history information storage unit.
The second analysis process for the access history is periodically executed,
The fund transfer management system according to claim 8 or 9, which notifies at least one of the observer device and the observer device when the result of the second analysis process satisfies a predetermined condition. .. The management server
Generate notification information based on the balance information of the first account and the history information,
The fund transfer management system according to any one of claims 8 to 10, which is dependent on claim 6, which transmits the generated notification information to at least one of the observer device and the observer device. The management server
From a plurality of financial products, a financial product to be recommended is selected based on the balance information of the first account and the history information.
The fund transfer management system according to claim 11, which transmits to both the observer device and the observer device that the purchase of the selected financial product is recommended. The management server
When consent including designation of the purchase amount for the recommended financial product is received from both the observer device and the observer device, the first account information storage unit to the second account information storage unit. The fund transfer management system according to claim 12, which executes the fund transfer process of the purchase amount and executes the withdrawal process of the purchase amount from the second account information storage unit. The first account information storage unit that stores the balance information of the first account whose name is either the observer or the observer who observes the observer.
A second account information storage unit that stores balance information of the second account whose name is the observer.
An observer device operated by an observer who observes the observer,
The observer device operated by the observer and the observer
A management server that manages the transfer of funds from the first account information storage unit to the second account information storage unit, and
It is a fund transfer management method in a fund transfer management system equipped with
In the observer device, the observer device is given the first reference authority to the second account information storage unit.
The management server controls the reference process to the second account information storage unit by the observer device based on the first reference authority.
The observer device approves the conditions for transferring funds from the first account to the second account.
A fund transfer management method for executing a fund transfer process from the first account information storage unit to the second account information storage unit on the management server based on the approved fund transfer conditions. From the first account information storage unit that stores the balance information of the first account whose name is either the observer or the observer who observes the observer, the second account whose name is the observer. It is an information processing device that manages the transfer of funds to the second account information storage unit that stores the balance information of.
The first reference authority to the second account information storage unit given to the observer device operated by the observer who observes the observer from the observer device operated by the observer. Is received, a reference request from the observer device to the second account information storage unit is received, and in response to the reference request, the second account information storage by the observer device is performed based on the first reference authority. The access control unit that controls the reference processing to the unit,
The observer device accepts the approval of the fund transfer condition from the first account to the second account, and the second account information is received from the first account information storage unit based on the approved fund transfer condition. The fund transfer processing unit that executes the fund transfer processing to the storage unit,
Information processing device equipped with. From the first account information storage unit that stores the balance information of the first account whose name is either the observer or the observer who observes the observer, the second account whose name is the observer. The observer device, which approves the conditions for transferring funds to the second account information storage unit that stores the balance information of the above, is given the first reference authority to the second account information storage unit by the observer's operation.
The second account information storage by the observer device for a management server that executes a fund transfer process from the first account information storage unit to the second account information storage unit based on the approved fund transfer conditions. An information processing device that transmits the first reference authority granted in order to control the reference processing to the unit. From the first account information storage unit that stores the balance information of the first account whose name is either the observer or the observer who observes the observer, the second account whose name is the observer. It is a fund transfer management program in the management server that manages the fund transfer to the second account information storage unit that stores the balance information of.
The first reference authority to the second account information storage unit given to the observer device operated by the observer who observes the observer from the observer device operated by the observer. And the process of accepting
A process of receiving a reference request from the observer device to the second account information storage unit, and
In response to the reference request, a process of controlling the reference process to the second account information storage unit by the observer device based on the first reference authority, and a process of controlling the reference process to the second account information storage unit.
The process of accepting the approval of the conditions for transferring funds from the first account to the second account from the observer device.
A process of executing a fund transfer process from the first account information storage unit to the second account information storage unit based on the approved fund transfer conditions, and a process of executing the fund transfer process.
A fund transfer management program that causes the management server to execute. From the first account information storage unit that stores the balance information of the first account whose name is either the observer or the observer who observes the observer, the second account whose name is the observer. The process of granting the first reference authority to the second account information storage unit to the observer device that approves the conditions for transferring funds to the second account information storage unit that stores the balance information of the observer by the operation of the observer. When,
The second account information storage by the observer device for a management server that executes a fund transfer process from the first account information storage unit to the second account information storage unit based on the approved fund transfer conditions. In order to control the reference process to the unit, the process of transmitting the first reference authority granted and the process of transmitting the first reference authority.
A money transfer management program that lets your computer run.

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