JPH09259203A - Account managing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the usability for a financial institution user and increase the attraction of customers of a financial institution by classifying and managing transaction contents in one account by virtual accounts. SOLUTION: Plural virtual accounts 2 are opened previously and virtually as to one account 1, and a series of transaction results corresponding to the account 1 are classified by the virtual accounts 2 and managed as transaction results corresponding to the respective virtual accounts 2. Namely, an automatic teller machine(ATM) provides virtual account service for managing accounts by using virtual accounts 2. When this service is utilized, a card and a bankbook are inserted and virtual account processing is performed, so that the processing result is printed on the bankbook. This bankbook is a transaction bankbook for an account as a specific print medium where transaction results are recorded; and a magnetic stripe part(MS part) as a recording medium where various data accompanying transactions am recorded is added, and virtual account information is recorded on the MS part as well as information on the account number, etc.

Description

Detailed Description of the Invention

(Technical Field of the Invention) TECHNICAL FIELD Conventional technology (FIG. 21) Problem to be solved by the invention (FIG. 21) Means for solving the problem (FIG. 1) Embodiment of the invention (FIG. 2 to FIG. 2) 20) Effect of the invention

[0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account management method suitable for use in a financial institution, for example, when performing transactions such as payment and deposit using an automatic transaction device.

[0003]

2. Description of the Related Art Conventionally, when a deposit account is opened at a financial institution, one passbook is issued for each account. In the case of ordinary accounts, when transactions such as deposits and withdrawals are made,
As a result of the transaction, the contents of the transaction and the balance in the account after the transaction (in the case of deposit transaction, the amount of deposit is added to the previous balance is the current balance, and in the case of payment transaction, the amount of payment from the previous balance is The subtracted amount becomes the current balance) is printed on the passbook in the order of transactions.

FIG. 21 shows an example of a passbook print format at this time. As shown in FIG. 21, in the case of a deposit transaction, the transaction date and time is printed in the “year / month / day” column, the deposit amount is printed in the “deposit amount” column, and the balance after deposit is printed in the “deduction balance” column. In addition, the transaction details such as "Kyuyo" are printed in the "Payment amount" column. In addition, in the case of payment transactions, the transaction date and time are printed in the "Date" column, the payment amount is printed in the "Payment amount" column, and the balance after payment is printed in the "Deduction balance" column. Transaction details such as "are printed in the" deposit amount "field.

By the way, as a user of a deposit account of a financial institution, an individual such as a student, a working person, a pensioner, or an organization such as a company can be considered, but most of them are married workers and their wives. It is thought that there is. Of course, there are likely to be many single employees in salaried workers, and there are also many married people who are not salaried workers, for example, self-employed. Rather than say the definition of user categories,
Now that payrolls to financial institutions are becoming commonplace,
It is quite natural to pay out living expenses from that account, and it is natural that there are many people who manage households as deposit account users (for example, the wife of the above-mentioned office worker). Therefore, it is said that the wife who is a housewife is the one who actually manages the passbook and card and withdraws cash when the account is opened in the name of her husband and the salary is transferred to the account. Many. It is very important for housewives to manage their household budget, and it is probably that some housewives are affordable and can buy anything without worrying at all.Most housewives consider the balance of income and expenditure. Is managing.

[0006] Generally, the basics of how to manage a household well are:
The budget is set in advance for the expenditure item, and the expenditure is made within the range. In other words, items such as food expenses, hygiene expenses, electricity bills, gas bills, water bills, etc., based on past records (may change depending on the season)
The budget is set and the spending is planned to cover the budget. This means management not only in terms of monetary value, but also in devising the way of life itself (such as not wasting water or not eating out frequently).

[0007] Since the surplus money in each budget frame does not have to be used as a living expense, it can be used freely, for example, for saving or buying a hobby. Further, when the expenditure exceeds the budget limit for a certain expenditure item, it is possible to balance the overall balance by using the surplus money of another item.

[0008]

Although the above-described household management method is general, transactions such as deposits and withdrawals for a plurality of expenditure items are performed within one account, and a passbook is shown in FIG. 21, for example. Since the transaction content as shown is printed, there is a problem that the management of the balance of each expenditure item becomes complicated.

[0009] Therefore, there is also a method of opening a plurality of accounts and using the accounts by dividing them into spending items such as exclusive deduction of public utility charges, exclusive deduction of loans, and exclusive deduction of living expenses. In this case, if there is a transfer of salary, a user such as a housewife transfers a predetermined amount (the amount corresponding to the budget frame mentioned above) to each account and makes a payment transaction for each account, so that the passbook of each account Only the transaction results for each expenditure item are printed on, and the balance of each expenditure item can be easily managed. Further, in the case of using a plurality of accounts in this way, the balance after the payment transaction can be deposited in each account as it is, and the savings can be made even if only a little.

However, in the case where a plurality of accounts are opened and the household budget is managed as described above, the user makes a note entry for each passbook of each account, or a predetermined amount of money is transferred from the payroll transfer account to each of the other accounts. Therefore, the procedure for moving is required only one by one, and the operation therefor is extremely complicated. In addition, when shopping with a loan, the withdrawal is usually the following month or two months after the first payment. There are other payment methods such as bonus payment and revolving payment.
Even if you plan to pay your purchases on a loan from the rest of your previous bonus, for example, if you have the same pay and bonus transfers, you will not know how much each balance is. In order to know the previous bonus balance in this account, it is necessary to perform bookkeeping and calculate the bonus balance from the transaction content printed on the passbook, which is also very troublesome.

In order to make it easier to see the transaction results when posting to a passbook, etc., the transaction contents within a predetermined period are classified into prespecified items, and the subtotal results for each transaction content are printed on the passbook. A technique for doing so is disclosed in Japanese Patent Laid-Open No. 7-013981. However, this technique is shown in FIG.
Since only the subtotal result within a predetermined period is added to the conventional print format as shown in (4) and printed, only the subtotal data regarding deposit / withdrawal (transaction content) within the predetermined period can be grasped.

The present invention was devised in view of such problems, and makes it easy to grasp the transaction contents for each expenditure item in one account and to manage future expenditures of each expenditure item in a planned manner. In addition, it is an object of the present invention to provide an account management method that can improve convenience for users of financial institutions and can contribute to expansion of customer acquisition in financial institutions.

[0013]

FIG. 1 is a diagram illustrating the principle of the present invention. According to the account management method of the present invention shown in FIG. 1, a plurality of virtual accounts 2 are virtually opened in advance for a certain one account, and a series of transaction results for the account 1 are classified for each virtual account 2. It is characterized in that it is managed as a transaction result for each virtual account 2 (claim 1).

At this time, a plurality of virtual accounts 2 may be opened by recording virtual account information relating to the plurality of virtual accounts 2 in a predetermined recording medium for the account 1. Further, when performing a transaction for the account 1 using a predetermined recording medium, the series of transaction results are classified for each virtual account 2 based on the virtual account information read from the predetermined recording medium, and the result of the classification. The obtained transaction result for each virtual account 2 may be printed out for each virtual account 2 on a predetermined print medium for the account 1 (claim 3).

Further, the result of the series of transactions is stored in the virtual account 2
The balance information of each virtual account 2 obtained as a result of classifying
The virtual account information may be recorded and stored in a predetermined recording medium (claim 4). Further, the balance information of each virtual account 2 can be read from a predetermined recording medium, and the balance can be moved between a plurality of virtual accounts 2 based on the read balance information of each virtual account 2 (claim) Item 5).

The transaction passbook for the account 1 may be used as the above-mentioned predetermined print medium, and the magnetic stripe portion attached to the transaction passbook may be used as the predetermined recording medium (claim 6).

[0017]

Embodiments of the present invention will be described below with reference to the drawings. (A) Description of Automatic Transaction Device FIG. 3 is a block diagram showing the configuration of an automatic transaction device to which the account management method according to an embodiment of the present invention is applied.

The automatic transaction device (ATM: Au shown in FIG. 3)
The tomatic Teller Machine) 11 is connected to the lower level of the host 10 and is used by the customer to directly perform transactions such as payment and deposit. When the card 27 is inserted and the transaction is performed, the transaction result is a statement. When the card 27 and the passbook 28 are inserted and a transaction is performed, the transaction result is printed on the passbook 28.

The ATM 11 also provides a virtual account service for managing an account using a virtual account described later. When receiving this virtual account service,
When the card 27 and the passbook 28 are inserted and the virtual account processing described later is performed, the processing result is printed on the passbook 28. Here, the passbook 28 is a transaction passbook for an account as a predetermined print medium in which transaction results are recorded, and the passbook 28 is a magnetic stripe as a predetermined recording medium in which various data associated with transactions are recorded. Department (MS Department)
28A is attached. Although information such as an account number is conventionally recorded in the MS unit 28A, virtual account information described later is also recorded in the present embodiment. This MS part 28
By using A, the ATM 11 according to the present embodiment
Also in this case, the account management method (virtual account service) according to the present embodiment can be realized by using the passbook 28 similar to the passbook conventionally used in the financial institution.

The ATM 11 has a control unit 12,
Display unit 20, operation panel 21, card reader / writer 2
2, MS section reader / writer 23, passbook printing section 24, transaction statement printing section 25, and cash handling apparatus 26. Here, the display unit 20 has, for example, FIGS.
A display screen such as an operation guide screen and a designation screen as shown in 1 is displayed.

The operation panel 21 is used by the customer to input data when performing transactions such as payment and deposit, and when receiving a virtual account service. For example, a touch formed on the display screen of the display unit 20. It is composed of keys and operation buttons provided on the ATM 11. The card reader / writer 22 reads and writes the data recorded in the inserted card 27, and the MS section reader / writer 23 has the inserted passbook 28.
The data recorded in the MS unit 28A is read and written.

The passbook printing unit 24 is the MS unit 28 of the passbook 28.
The data from the host 10 converted into a predetermined output specification based on the data read from A (or the data read from the card 27) is printed on the passbook 28. The transaction statement printing unit 25 issues a statement 29 in which the transaction result is printed after carrying out transactions such as payment and deposit.

The cash handling apparatus 26 is for actually handling the cash 30 (banknotes and currency) when carrying out transactions such as payment and deposit. Then, the control unit 12 uses the ATM 11
The operation of the interface unit 13, the CPU 14, the display control unit 15, the I / O unit 16, the memory 17, and the print output unit 1 are comprehensively managed and controlled.
It is composed of 8 buses, each of which is a bus 1
9.

The interface section 13 controls the interface with the host 10. CP
The U 14 actually controls the operation of the ATM 11 in the control unit 12 by controlling the interface unit 13, the display control unit 15, the I / O unit 16, the memory 17, and the print output unit 18 via the bus 19. It is a thing. The CPU 14 of the present embodiment is configured to include a transaction processing unit 31 and a virtual processing unit 32 as shown in FIG. 2 in order to realize the virtual account service which is a characteristic function of the present invention. Details will be described later.

The display control unit 15 controls the display state of the display unit 20, and the I / O unit 16 controls the operation panel 2.
1, while receiving the input information (reading information) from the card reader / writer 22 and the MS section reader / writer 23 and sending it to the CPU 14 via the bus 19, the information to be written in the MS section 28A of the card 27 or the passbook 28, Received from the CPU 14 via the bus 19, and the card reader / writer 2 respectively
2 and the MS section reader / writer 23.

The memory 17 functions as a working memory for the CPU 14, stores data input from the host 10 via the interface unit 13 and is read from the MS unit 28A of the card 27 or the passbook 28. The data and the input data from the operation panel 21 are received from the I / O unit 16 and temporarily stored.
Data calculated by the PU 14 (passbook 28 and statement 2
Print data for 9) is temporarily stored.

The print output unit 18 controls the printing operations of the passbook printing unit 24 and the transaction statement printing unit 25.
When the CPU 14 determines that the data stored in the memory 17 needs to be printed, the print data to the passbook 28 or the statement 29 is output to the passbook printer 24 or the transaction statement printer 25. is there. Next, the CPU 14 described above will be described in more detail with reference to FIG. FIG. 2 is a functional block diagram of the CPU 14, and as shown in FIG. 2, the CPU 14 includes a transaction processing unit 31 and a virtual processing unit 32. Here, the transaction processing unit 31 performs various transaction processes such as general payment and deposit, and the virtual processing unit 32 is
It is for performing processing relating to a virtual account described later.

The virtual account referred to in the present embodiment is a virtual account opened in advance for a certain one account, and a plurality of virtual accounts can be opened for one account (see FIG. 1). reference). When such a virtual account is opened, a series of transaction results for the account are classified for each virtual account and managed as transaction results for each virtual account.

For example, in an account that can be arbitrarily paid and deposited, such as an ordinary deposit, in the conventional account management method, the balance is calculated each time a transaction is made. It manages only ordinary deposits (general accounts, etc. that can make ordinary deposits and fixed deposits with one passbook, consider only the portion of ordinary deposits). On the other hand, in the account management method according to the present embodiment, a plurality of virtual accounts are virtually opened in one account, and the balance is calculated for each virtual account, so that a plurality of amounts of money can be calculated as the balance. It is supposed to be managed.

This virtual account is used by the customer for the sake of convenience to internally (virtually) manage the transaction contents and balances in a predetermined item, and therefore an account that actually exists in a financial institution (that is, shown in FIG. 3). The number of accounts recorded in the storage device of the host 10 is only one as in the conventional case. Therefore, transactions such as payment and deposit for this account are performed in the same manner as the conventional processing for the account.

The virtual processing unit 32 for performing such virtual account processing includes a virtual account opening function unit 33, a virtual account transaction result classification function unit 34, and a virtual account balance moving function unit 3.
5 is provided. Virtual account opening function unit 33
Has a function of executing a process for opening a virtual account by an input from the display unit 20 or the operation panel 21, and stores virtual account information regarding a plurality of opened virtual accounts in a predetermined recording medium for the account. M through the I / O unit 16 so as to be recorded in the MS unit 28A of the passbook 28 as
The instruction is sent to the S section reader / writer 23 (FIG. 6).
Steps B5 to B8).

The virtual account transaction result classification function unit 34 functions to classify and print the transaction results for the account into the transaction results for the virtual account, and the MS of the passbook 28.
When making a transaction for an account using the section 28A, M
Based on the virtual account information read from the S unit 28A, a series of transaction results are classified for each virtual account, and the transaction results for each virtual account obtained as a result of the classification are shown in, for example, FIG.
As shown in FIG. 20, an instruction is sent to the passbook printing unit 24 via the print output unit 18 so as to print out for each virtual account to the passbook 28 as a predetermined print medium for the account (in FIG. 5). See steps A14-A16).

Further, the virtual account transaction result classification function unit 3
4 is MS balance information of each virtual account obtained as a result of classifying a series of transaction results for each virtual account, as virtual account information.
It also has a function of sending an instruction to the MS section reader / writer 23 via the I / O section 16 so as to be recorded in the section 28A (see steps A14 and A15 in FIG. 5). Further, the virtual account balance moving function unit 35 functions when moving the balance in one virtual account to another virtual account.
The balance information of each virtual account recorded in the S section 28A is read out, and the balance is transferred between a plurality of virtual accounts based on the read out balance information of each virtual account (step of FIG. 6). B10-B13).

With the above configuration, the ATM 11 shown in FIG.
In the case of using the card 27 only, or the card 2
When a transaction such as payment or deposit is made by using 7 and the passbook 28 according to the instruction on the display screen of the display unit 20, C
Processing is performed by the function of the transaction processing unit 31 in the PU 14, the transaction result is sent to the host 10, and when the transaction is performed by inserting only the card 27, the transaction result is printed on the statement 29. When a transaction is made by inserting the card 27 and the passbook 28, the transaction result is printed on the passbook 28.

The operation at this time will be described with reference to the flowcharts (steps A1 to A19) shown in FIGS.
An initial screen as shown in, for example, (1) of FIG. 7 is displayed on the display unit 20 of the ATM 11 shown in FIG. 3. When performing transactions such as payment and deposit, touch keys on the display screen are used. A desired transaction key of "payment", "deposit", "afterglow (balance inquiry)", "bookkeeping", and "service" as a transaction key is pressed (step A1).

When the card 27 is inserted into the ATM 11 (step A2), the card 27 is read by the card reader / writer 22 (step A2).
3) Insert the passbook 28 into the ATM 11 (step A
4), M of the passbook 28 by the MS section reader / writer 23
The S portion (magnetic stripe portion) 28A is read (step A5). Incidentally, when only the card 27 is inserted and a transaction is carried out, the processes of steps A4 and A5 are omitted.

Next, input the personal identification number (step A
6), the transaction amount is input (step A7), and the transaction amount is confirmed (step A8) in that order.
0) and the card 27 is contacted (step A9).
If a transaction is made by inserting the
9) is printed (step A10), and the card 2 is printed.
When the transaction is carried out by inserting 7 and the passbook 28, the passbook 28 is printed (step A11). Also,
At this time, when the cash 30 is involved in the transaction (payment or deposit), cash counting is also performed (step A12). If only the passbook 28 is entered, the processes of steps A2, A3, A6 to A8 are omitted, and the printing process of step A11 is performed.

After the normal transaction processing as described above is completed, the presence or absence of a virtual account is judged based on the reading result of the MS section 28A of the passbook 28 (step A13), and the virtual account is opened (step A13). If YES in A13), the virtual account transaction result classification function unit 34 of the virtual processing unit 32 in the CPU 14 performs virtual account processing (transaction result classification) as described later in detail (step A1).
4) When the virtual account processing is completed, the MS section 28 of the passbook 28
The balance of each virtual account in A is updated (step A15), and the result of the virtual account processing (transaction result for each virtual account) is printed on the passbook 28 (step A16).

After the processing in step A16 is completed, or when it is determined that there is no virtual account (step A)
If No in 13), the card 27 and the receipt (specification 29) are discharged (step A17), the passbook 28 is discharged (step A18), and the cash 30 is discharged (in the case of payment transaction: step A19). (B) Account Management Method of this Embodiment Virtual account processing as an account management method according to one embodiment of the present invention applied to such an ATM 11 will be described below.

(B1) Virtual Account Opening Procedure In the present embodiment, an ordinary account for payroll transfer is
A case where a virtual account for paying out living expenses and a virtual account for deducting utility bills and credit loans are opened will be described. First, Table 1 shows an example of conventional transaction items in an account.

[0041]

[Table 1] In such a conventional account, a virtual account (hereinafter, a convenient account may be used as a virtual account name) is set for each transaction item, for example, as shown in Table 2.

[0042]

[Table 2] Note that, in Table 2, the convenient account 7 is a virtual account for saving (for making a mess) for arbitrarily moving surplus money in each account. The virtual account of this embodiment is opened by inputting necessary items from the automatic transaction device (ATM) 11 shown in FIG. 3, and the operation at this time is performed according to the flowchart (steps B1 to B9) shown in FIG. explain.

On the display section 20 of the ATM 11, for example, FIG.
The initial screen as shown in (1) is displayed, and when opening a virtual account, if "service" is pressed as a transaction key which is a touch key on the display screen (step B
1), for example, a convenient account service explanation screen as shown in FIG. 7B and a passbook insertion guide screen as shown in FIG. 7C are displayed (step B2).

Here, after inserting the passbook 28 into the ATM 11 (step B3), the user determines whether or not to carry out a new procedure (step B4), and here, the virtual account is opened by the new procedure. Therefore, in step B4, proceed to the Yes route and use the “new procedure” as the transaction key.
Is pressed (step B5). After that, a predetermined item as described below is input (step B6), it is determined whether the input of the predetermined item is completed (step B7), and if not completed, the predetermined item of step B6 is input. When the process is continued and completed, the MS part (magnetic stripe part) 28A of the passbook 28 is updated (step B8),
The passbook 28 is released (step B9).

The actual operation procedure for opening a virtual account (input procedure for predetermined items in step B6) is shown in FIG.
Further description will be given with reference to FIG. Here, FIGS.
The display screen shown in is provided with touch keys such as "payment" and "deposit", and by pressing any one of these keys, a desired transaction can be performed. If you press "Cancel" on the touch keys,
We shall return to the initial screen.

In addition, input of kana and numbers is performed by referring to FIGS.
In this case, a kana key and a ten key, which are touch keys provided on a display screen (not shown), are used, or a kana key and a ten key of a separately provided keyboard are used. Here, when the "service" touch key is pressed, the display screen becomes to confirm that this service is a convenient account service, as shown in (2) of FIG. 7, and when "check" is pressed, Since the display screen is the passbook insertion guide screen as shown in (3) of FIG. 7, the user inserts the passbook and
Either one of the "new procedure" for opening a virtual account or the "transfer procedure" for transferring the balance described below is pressed.
Here, it is assumed that the "new procedure" is pressed to open a virtual account.

When the "new procedure" is clicked, the display screen changes to the convenient account new procedure screen as shown in (4) of FIG. In (4) of FIG. 7, “account 1” is highlighted by shading or inverted characters, and this highlighting is indicated by arrow keys (“↓”, “↑”, “→”, “←”). Select a convenient account to be opened and set by pressing and moving between accounts (here, because convenient account 1 is set, highlighting is not performed), and after confirming the selection, click “Confirm”. Press.

As a result, the display screen becomes a screen for inputting the account name as shown in (5) of FIG. 7. When "Kyuryo" is input as the account name of the convenient account 1 and "Confirm" is clicked, the screen is displayed. A screen for inputting deposit items as shown in (6) of 7 is displayed, and in order to set the salary to be transferred to the convenient account 1, enter "Kyuyo" and press "Confirm".

Next, the display screen becomes a screen for inputting payout items as shown in (7) of FIG. 8, and "CD net (this CD net means a network in a cashing dispenser)" is input, "Verification"
By pressing, the convenient account 1 is set,
The display screen is as shown in (8) of FIG. As a result, when the customer pays out on the CD net, the convenience account 1 is debited.

Also, in the convenient account 2, "bonus" as the account name, "bonus" as the deposit item for setting the bonus to be transferred to the convenient account 2, and the credit loan is deducted from the convenient account 2. By inputting "○○ credit" as payout item to set to
Convenient account 2 is set up in the same procedure as in
The display screen is as shown in (9) of FIG.

Furthermore, in order to set the convenient account 3,
In the display screen as shown in (9) of FIG. 8, when "Confirm" is pressed while "Account 3" is highlighted, the display screen displays the account name as shown in (10) of FIG. Screen, enter "Denki" as the account name of convenient account 3, and click "Confirm". (11) in Fig. 8
When the deposit screen appears as shown in, and when a deposit is made to “KYUYO” in the deposit item 1 of the convenient account 1, 20,000 yen will be charged from the deposit item 1 to the convenience account 3 as a budget for electricity bills. To set the deposit by moving, enter "1-1-20000" and press "Confirm".

Next, the display screen becomes a screen for inputting payout items as shown in (12) of FIG. 8. Enter "Denki" to set the electricity bill to be withdrawn from the convenient account 3, and click "Confirm". ”Is pressed. Further, in setting the convenient account 4, after pressing "confirm" while "account 4" is highlighted on the display screen as shown in (13) of Fig. 9, "gas" is set as the account name. 、 If a deposit occurs in "Kyuyo" of deposit item 1 of convenient account 1, 20,000 yen will be set as a gas fee budget from this deposit item 1 to convenient account 4 so that deposit will be made As a deposit item for
1-20000 ", by inputting" gas "as the item of withdrawal for setting the gas bill to be deducted from the convenient account 4, the setting of the convenient account 4 is performed in the same procedure as in the case of the convenient account 3. Is performed.

In the following, although the display screen is not shown, even in the convenient account 5, "Suido" as the account name, the convenient account 1
If a deposit is made to “KYUYO” of deposit item 1, the deposit for setting to deposit by moving 5000 yen from this deposit item 1 to the convenient account 5 as a budget for water charges The item of "1-1-50
00 ”, and by inputting“ Suido ”as the payout item for setting the water bill to be deducted from the convenient account 5, the convenient account 5 is set in the same procedure as in the case of the convenient account 3. Be done.

In the convenient account 6 as well, the account name is “NHK” and the deposit item 1 of the convenient account 1 is “KYUYO”.
If a deposit occurs in the account, a deposit of 2,000 yen is transferred from the deposit item 1 to the convenient account 6 as a budget of the NHK fee, and the deposit item "1-1- 2000 ", and by entering" NHK "as the payout item for setting the NHK fee to be deducted from the convenient account 6, the convenient account 6 is set in the same procedure as in the case of the convenient account 3. Be done.

In the convenient account 7, by pressing "confirm" with "blank" as the account name and blank items for deposit and withdrawal, the convenient account 1
The convenient account 7 is set by the same procedure as in the cases of to 6. In this way, when "end" is pressed after setting convenient accounts 1 to 7, the display screen becomes as shown in (14) of FIG.
When the procedure is completed and the procedure is completed, the display screen is shown in Figure 9.
(15), and when the passbook 28 is removed, the display screen returns to the initial screen as shown in (16) of FIG.

Thus, by inputting according to the display screen of the automatic transaction device 11, the virtual account can be easily opened. Note that the virtual account is intended to internally manage the withdrawal / receipt and balance of a specific item of deposit / withdrawal, so that all transaction items in the conventional account are virtual accounts as in the present embodiment. It may be distributed, or virtual accounts may be set only for some of the items and transfer may be performed from the conventional account to each virtual account (that is, the deposit may be moved within the account).

In this case, a virtual account is set as shown in Table 3, for example.

[0058]

[Table 3] Further, in the present embodiment, the case where the customer opens the virtual account by directly inputting the necessary items from the automatic transaction device 11 or the like has been described. However, the present invention is not limited to this, and the customer may perform a predetermined procedure sheet at a financial institution. May be opened by the operator entering the necessary information described in this procedure sheet from the terminal device or the like.

(B2) Virtual Account Management Method In the account management method according to the present embodiment, information about the virtual account opened as described above (virtual account information) is stored in the host 10 in the same manner as the conventional account. By recording in a storage device or the like, the host 10 can be managed as a part of the customer information, but in consideration of the load on the host 10, the MS section (magnetic stripe section) 28A of the passbook 28 used by each customer. It is desirable for each customer to manage it directly by recording it in.

In this embodiment, the virtual account information is the passbook 2
8 is recorded in the MS section 28A of No. 8 in the format as shown in FIG. As shown in FIG. 12, a virtual account record field is provided for each virtual account, and each virtual account record field records a virtual account number “virtual account No.”.
Column, "virtual account name" column where virtual account name is recorded, "virtual account balance" column where virtual account balance is recorded, "deposit item" column where deposit item is recorded and withdrawal item is recorded " A “withdrawal item” column is provided.

A space functioning as a separator is provided between the columns. In addition, in the “deposit item” column and the “withdrawal item” column, when there are a plurality of items, they are separated by 10 characters until the separator detects them. For example, the virtual account recording column shown in the uppermost row of FIG. 12 is a column for recording information about the convenient account 1 (Kyouryo), and “1” is stored in the “virtual account No.” column and “virtual account name” column is stored. Is "KYUYOU", "Virtual Account Balance" is the balance information of convenient account 1 (shown as XXXXXXXX in Figure 12), and "Deposit Item" is "KYUYO" But "withdrawal item"
“CD net” is recorded in each column.

Incidentally, like the convenient account 7 (Hesokuri),
If you do not specify the deposit items and withdrawal items,
Only the separator is present in the virtual account recording column of the convenient account 7 (Hessokuri) shown at the bottom of FIG. The virtual account is managed by the function of the virtual account transaction result classification function unit 34 of the virtual processing unit 32 in the CPU 14.
Specifically, it is performed by virtual account processing in step A14 of the flowchart showing the operation of the ATM 11 of FIG. 5, updating of the MS section 28A of the passbook 28 in step A15, and printing of the virtual account processing result in step A16 on the passbook 28. .

That is, in the management of virtual accounts, ATM
Virtual account transaction result classification function unit 34 of CPU 14 of 11
When the conventional account data (bookkeeping data) sent from the host 10 (shown in FIG. 2) is received, M in the passbook 28 is received.
Compared with the data read from S section 28A, the transaction items set in the virtual account (Kyuyo, Denki, etc.)
Judge whether there is the same book item as.

Here, if there is the same entry item, the balance of the corresponding virtual account is added if the deposit is made, and if the withdrawal (or withdrawal) is made, the virtual account is made. Subtotal the transaction results for each. Finally, these subtotal results are specified media for each virtual account (conventional passbook, dedicated passbook, forms such as slips, etc.) according to the output specifications of the virtual account transaction results.
Is printed out on.

The transaction contents of the virtual account are printed for each virtual account on a page different from the page on which the transaction contents of the ordinary account are printed. Here, FIG. 13 shows a passbook print format of the ordinary account in a predetermined period. This FIG.
Similarly to the conventional passbook print format shown in FIG. 21, in the case of deposit transaction, the passbook print format shown in FIG. 21 shows the transaction date and time in the “year / month / day” column, the deposit amount in the “deposit amount” column, and The balance is printed in the "Deduction balance" column respectively,
For example, the transaction content such as "Kyuyo" is "payment amount"
Printed in the field.

In the case of payment transactions, the transaction date and time are printed in the "year, month and day" column, the payment amount is printed in the "payment amount" column, and the balance after payment is printed in the "deduction balance" column. For example, the transaction content such as "Denki" is printed in the "Deposit amount" field. FIGS. 14 to 20 show the passbook print formats of the virtual account when the transaction contents in such ordinary account are classified into the virtual accounts and printed on the passbook 28 as described above.

The passbook print formats shown in FIGS. 14 to 20 are similar to the conventional passbook print format of FIG. 21. In the case of deposit transaction, the transaction date and time is in the “year / month / day” column and the deposit amount is In the “deposit amount” column, the balance after deposit is printed in the “deduction balance” column, and the transaction content such as “Kyuyo” is printed in the “payment amount” column. In addition, in the case of payment transactions, the transaction date and time are printed in the "Date" column, the payment amount is printed in the "Payment amount" column, and the balance after payment is printed in the "Deduction balance" column. Transaction details such as "are printed in the" deposit amount "field.

As described above, by managing the accounts by using the virtual accounts, the transaction contents within the predetermined period can be classified for each virtual account, so that the transaction contents can be easily grasped. Become. In addition, a virtual account is set up for each expenditure item, and a predetermined amount is allocated to each virtual account as a budget, so that a budget frame is set up for each expenditure item, and management of households that makes planned spending within the budget range is managed. Can be applied to.

Further, by thus improving the convenience of the customer, it is possible to increase the customer acquisition in the financial institution. (B3) Balance Transfer Procedure Between Virtual Accounts In the account management method according to the present embodiment, the CPU 1
Virtual account balance transfer function unit 3 of the virtual processing unit 32 in FIG.
By using the function of No. 5 to transfer the balance between a plurality of virtual accounts, it is possible to balance the balance of the accounts.

Here, the surplus money in the convenient accounts 1 to 6 is
A case where the user arbitrarily moves to the convenient account 7 for saving (for hesitation) will be described. The operation relating to the transfer of the balance between the virtual accounts will be described with reference to the flowchart of FIG. 6 (steps B1 to B
4, B9 to B13). When transferring the balance between virtual accounts, for example, when "service" is pressed as a transaction key on the initial screen as shown in (1) of FIG. 10 (step B1), for example, as shown in (2) of FIG. An explanation screen of such a convenient account service and a passbook insertion guide screen as shown in (3) of FIG. 10 are displayed (step B).
2).

Here, after inserting the passbook 28 into the ATM 11 (step B3), the user determines whether or not to carry out a new procedure (step B4). In order to move the balance of No., the procedure proceeds to the No route in step B4, and the "transfer procedure" is pressed as a transaction key (step B10). After that, the predetermined items as described below are input (step B11), and the MS part (magnetic stripe part) 28A of the passbook 28 is updated every time the processing for each virtual account is completed (step B12), and the predetermined items It is determined whether or not the input is completed (step B13). If not completed, the predetermined items in step B11 are continuously input, and if completed, the passbook 28 is released (step B9).

FIG. 1 shows the actual operation procedure for transferring the balance between virtual accounts (input procedure for predetermined items in step B11).
0, further description will be given with reference to FIG. Here, FIG.
0, the display screen shown in FIG. 11 is provided with touch keys such as “payment” and “deposit”, and by pressing any one of these keys, a desired transaction can be carried out. ing. It should be noted that when the user presses "Cancel" in the touch keys, the initial screen is returned.

Further, the input of kana and numbers is performed by using a kana key and a ten key formed of touch keys provided on a display screen (not shown in FIGS. 10 and 11), or by a kana key of a keyboard provided separately. It is designed to be performed using the numeric keypad. Automatic transaction device 1
An initial screen as shown in (1) of FIG. 10 is displayed on the display unit 20 of No. 1, and the transfer of the balance between the virtual accounts is performed by “payment”, “deposit”, and “afterglow” shown in this initial screen. , “Book” and “Service” of “Service”.

Here, when the "service" touch key is pressed, the display screen becomes to confirm that this service is a convenient account service, as shown in (2) of FIG. 10, and "confirm" is displayed. When is pressed, the display screen is as shown in Figure 1.
Since the passbook insertion guide screen as shown in (3) of 0,
Insert a passbook and press "Transfer procedure" to move the balance.

When "Transfer procedure" is clicked, the display screen becomes a convenient account transfer procedure screen as shown in (4) of FIG. In (4) of FIG. 10, the highlighting of shaded or reverse characters is performed by arrow keys (“↓”, “↑”, “→”,
By pressing "←") and moving between accounts,
Select the convenient account from which you want to transfer the balance (here, convenient account 3
The highlighted display is moved to "Account 3" to move the balance of No. 3), and "Confirm" is pressed after the selection is completed.

As a result, the display screen becomes a screen for confirming the balance in the selected account as shown in (5) of FIG. In (5) of FIG. 10 as well, by pressing the arrow keys (“↓”, “↑”, “→”, “←”) of highlighting to move between accounts, it is possible to conveniently move the balance. While selecting an account (here, the highlighted display is moved to "account 7" to move the balance to convenient account 7), "18755" is input as the transfer amount, and then "confirm" is pressed.

As described above, when the selection of the convenient account of the balance transfer source and the convenient account of the transfer destination and the input of the transfer amount are completed,
The display screen is as shown in (6) of FIG. 10, and the balance transfer between convenient accounts is performed as a procedure at this time. When the procedure is completed, the display screen confirms that the balance has been transferred between the convenient accounts as shown in (7) of FIG. 11, and when "Confirm" is clicked, the display screen is shown in FIG.
Return to the convenient account transfer procedure screen as shown in (8).

When the balance is transferred between other convenient accounts, the balance is transferred in the same procedure as described above, and when the procedure is completed, if "end" is pressed, the display screen is as shown in FIG. As shown in (9), when the passbook 28 is removed, the display screen returns to the initial screen as shown in (10) of FIG. Thus, by inputting according to the display screen of the automatic transaction device 11, the balance can be easily transferred between virtual accounts.

Further, a virtual account is provided for each expenditure item, and a predetermined amount is allocated as a budget for each virtual account, whereby a budget frame is provided for each expenditure item, and expenditure is systematically performed within the range of the budget. When managing a household, if surplus money is generated in one virtual account, move this surplus money to a virtual account for savings, or if there is insufficient budget in one virtual account, surplus in another virtual account. By transferring money, you can balance the balance of your account.

Further, by thus improving the convenience of the customer, it is possible to increase the customer acquisition in the financial institution. In addition, although the case where the virtual account information is recorded in the MS unit 28A of the passbook 28 has been described in the above-described embodiment, the present invention is not limited to this.
Other information may be used as long as it can record a certain amount of information, for example, it may be recorded on the magnetic stripe portion of the card 27, or when an IC card is used as the card, an IC card. The data may be recorded in the internal IC memory, and in any case, the same effect as that of the above-described embodiment can be obtained.

[0081]

As described above in detail, according to the account management method of the present invention, it is possible to classify and manage the transaction contents for each virtual account within a single account, thus opening a plurality of accounts. You can easily understand the transaction details for each virtual account (payment item) without having to do so, and allocate a predetermined amount as a budget for each virtual account to establish a budget frame for each expenditure item and to plan within the budget range. It can be applied to the management of households that spend money on. This improves convenience for financial institution users, and eventually leads to expansion of customer acquisition in the financial institution (claim 1).

At this time, the virtual account information regarding the plurality of virtual accounts is recorded in a predetermined recording medium for the account to open the plurality of virtual accounts, so that the host or other higher-level device is not loaded at all. The account management method of the present invention can be realized (claim 2). Further, when performing a transaction for an account using a predetermined recording medium, a series of transaction results are classified for each virtual account based on the virtual account information read from the predetermined recording medium, and each of the classification results obtained By printing out the transaction result for the virtual account for each virtual account on a predetermined print medium for the account,
Since the transaction content can be classified for each virtual account, the user can easily understand each transaction content only by looking at the predetermined print medium (claim 3).

Furthermore, the balance information of each virtual account obtained as a result of classifying a series of transaction results for each virtual account is recorded and stored in a predetermined recording medium, so that the host device or the like has no load at all. It is possible to manage the balance of each virtual account without making a call (claim 4). Also, based on the balance information of each virtual account read from a predetermined recording medium,
By moving the balance between multiple virtual accounts, if surplus money occurs in a certain virtual account, move this surplus money to a virtual account for savings, or if the budget in a certain virtual account is insufficient. Has the effect of being able to move surplus money in another virtual account and balancing the balance of the entire account (claim 5).

Then, by using a predetermined print medium as a transaction passbook for an account and using a predetermined recording medium as a magnetic stripe portion attached to the transaction passbook, a print medium conventionally used in financial institutions and The account management method of the present invention can be realized by using the recording medium as it is and by merely changing the software without changing the hardware of the automatic transaction device or the like (claim 6).

[Brief description of drawings]

FIG. 1 is a diagram illustrating the principle of the present invention.

FIG. 2 is a functional block diagram of a CPU of an automatic transaction device to which an account management method according to an embodiment of the present invention is applied.

FIG. 3 is a block diagram showing a configuration of an automatic transaction device to which an account management method according to an embodiment of the present invention is applied.

FIG. 4 is a flowchart for explaining the operation of the automatic transaction device to which the account management method according to the embodiment of the present invention is applied.

FIG. 5 is a flowchart for explaining the operation of the automatic transaction device to which the account management method according to the embodiment of the present invention is applied.

FIG. 6 is a flowchart for explaining a procedure for opening a virtual account and a procedure for moving a balance between virtual accounts in an automatic transaction device to which an account management method according to an embodiment of the present invention is applied. is there.

FIG. 7 is a diagram showing a transition of a display state on a display unit for explaining a procedure when opening a virtual account in an automatic transaction device to which an account management method according to an embodiment of the present invention is applied.

FIG. 8 is a diagram showing a transition of a display state on the display unit for explaining a procedure when opening a virtual account in the automatic transaction apparatus to which the account management method according to the embodiment of the present invention is applied.

FIG. 9 is a diagram showing a transition of a display state on a display unit for explaining a procedure when opening a virtual account in the automatic transaction apparatus to which the account management method according to the embodiment of the present invention is applied.

FIG. 10 is a diagram showing a transition of a display state on a display unit for explaining a procedure when a balance is transferred between virtual accounts in an automatic transaction device to which an account management method according to an embodiment of the present invention is applied. Is.

FIG. 11 is a diagram showing a transition of a display state on a display unit for explaining a procedure when a balance is transferred between virtual accounts in an automatic transaction device to which an account management method according to an embodiment of the present invention is applied. Is.

FIG. 12 is a diagram showing an example of a virtual account recording format.

FIG. 13 is a diagram showing a passbook print format for an ordinary account.

FIG. 14 is a diagram showing a passbook print format of a virtual account.

FIG. 15 is a diagram showing a passbook print format of a virtual account.

FIG. 16 is a diagram showing a passbook print format of a virtual account.

FIG. 17 is a diagram showing a passbook print format of a virtual account.

FIG. 18 is a diagram showing a passbook print format of a virtual account.

FIG. 19 is a diagram showing a passbook print format of a virtual account.

FIG. 20 is a diagram showing a passbook print format of a virtual account.

FIG. 21 is a diagram showing a conventional passbook print format.

[Explanation of symbols]

 1 account 2 virtual account 10 host 11 automatic transaction device (ATM) 12 control unit 13 interface unit 14 CPU 15 display control unit 16 I / O unit 17 memory 18 print output unit 19 bus 20 display unit 21 operation panel 22 card reader / writer 23 MS section reader / writer 24 Passbook printing section 25 Transaction statement printing section 26 Cash handling device 27 Card 28 Passbook (transaction passbook, print medium) 28A Magnetic stripe section (MS section, recording medium) 29 Statement 30 Cash 31 Transaction processing Part 32 Virtual processing part 33 Virtual account opening function part 34 Virtual account transaction result classification function part 35 Virtual account balance transfer function part

Claims (6)

[Claims] 1. A plurality of virtual accounts are virtually opened in advance for a certain account, and a series of transaction results for the accounts are classified for each virtual account and managed as transaction results for each virtual account. Account management method characterized by. 2. The account according to claim 1, wherein the plurality of virtual accounts are opened by recording virtual account information relating to the plurality of virtual accounts in a predetermined recording medium for the account. Management method. 3. When conducting a transaction for the account using the predetermined recording medium, the series of transaction results are classified for each virtual account based on the virtual account information read from the predetermined recording medium. 3. The account according to claim 2, wherein the transaction result for each virtual account obtained as a result of the classification is printed out for each virtual account on a predetermined print medium for the account. Management method. 4. The balance information of each virtual account obtained as a result of classifying the series of transaction results for each virtual account is recorded and stored in the predetermined recording medium as the virtual account information. The account management method according to claim 3, which is characterized in that: 5. The balance information of each of the virtual accounts is read from the predetermined recording medium, and the balance is transferred between the plurality of virtual accounts based on the read balance information of each of the virtual accounts. The account management method according to claim 4, wherein the method is performed. 6. The method according to claim 3, wherein the predetermined print medium is a transaction passbook for the account, and the predetermined recording medium is a magnetic stripe portion attached to the transaction passbook.
The account management method according to claim 5.