JPH10269303A - Transaction notification method, account system and account system terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily confirm the content when transaction to an account is performed. SOLUTION: An address storing part 22 stores a correspondence table of user's account number and electronic mail address, a mail telegraphic message assembling part 24 assembles a telegraphic message based on transaction when the transaction is performed and a mail sending part 25 acquires an electronic mail address that corresponds to an account number on which transaction is performed and sends a mail telegraphic message to the electronic mail address. A user accepts a mail telegraphic message that is sent from a mail receiving terminal 40 to his own electronic mail address. That makes it possible for the user to receive a telegraphic message sent to his electronic mail address at his convenient time and to confirm the content of transaction that is performed to his account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction notification method, a billing system, and a billing terminal, and more particularly, to a method of notifying the contents of a user's account when a transaction is made. The present invention relates to a method of notifying a transaction, an accounting system, and an accounting terminal.

[0002]

2. Description of the Related Art FIG. 5 is a block diagram of an example of a conventional accounting system. The accounting system 500 includes an accounting terminal 10 such as an automatic transaction device (ATM) installed in a financial institution such as a bank, and a host computer 80 connected to the accounting terminal 10 via a communication line 15. It is composed.

[0003] A user (customer or bank staff) operates the accounting terminal 10 to make a transaction such as deposit or cash transfer to a predetermined account. The accounting terminal 10 is provided with a passbook entry machine (not shown), and when a passbook is inserted into the passbook entry machine, the contents of the transaction are printed on the passbook. The host computer 80 manages the balance of the customer's account and the like based on the transaction made from the accounting terminal 10.

[0004]

The above accounting system 5
00, when confirming that the cash has been transferred to the user's account or that the cash has been deducted from the user's account, the user is requested to go to the accounting terminal 10 with his / her own passbook and perform bookkeeping. It has become. However, there is a problem that it takes time and effort to carry out bookkeeping by going to an accounting terminal with a passbook.

Accordingly, an object of the present invention is to provide a transaction notification method, an accounting system, and an accounting terminal that enable the user to know the content of a transaction made on his or her account without taking time and effort. Is to provide.

[0006]

According to a first aspect of the present invention, a correspondence between an account number and an e-mail address is stored, and when a transaction is made to an account, a message based on the transaction is stored. A method of notifying of a transaction, which is transmitted to a corresponding e-mail address, is provided.

In the above transaction notification method, the user can receive the electronic mail sent to his / her own e-mail address at a convenient time and confirm the details of the transaction made on his / her account. You can do it. For this reason,
This eliminates the need to go to an accounting terminal with a passbook to perform bookkeeping, so that the details of a transaction can be known without taking time and effort.

[0008] In a second aspect, the present invention is based on an account terminal for conducting a transaction, a storage means for storing a correspondence table between an account number and an e-mail address, and based on the transaction when the transaction is conducted. A billing system comprising: a message assembling unit that assembles a message; and a message transmitting unit that acquires an e-mail address corresponding to the account number for which the transaction has been performed and transmits the message to the e-mail address. I will provide a.

In the accounting system, the method of notifying of the transaction can be suitably implemented. For this reason, it is not necessary to carry out bookkeeping by going to the accounting terminal with a passbook, and the contents of the transaction can be known without taking time and effort. In a third aspect, the present invention provides a billing system characterized in that the billing system having the above-mentioned configuration includes a message receiving and displaying means for receiving and displaying the transmitted message.

In the above accounting system, the user can receive and read the electronic mail sent to his / her own e-mail address at a convenient time.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in more detail with reference to the embodiments shown in the drawings. Note that the present invention is not limited by this. -First Embodiment- FIG. 1 is a block diagram of an accounting system according to a first embodiment of the present invention.

The accounting system 100 includes an accounting terminal 10 such as an automatic transaction machine (ATM) installed in a financial institution such as a bank, and a host computer 20 connected to the accounting terminal 10 via a communication line 15. , A mail host 30 connected to the host computer 20 via a communication line 35, and a mail receiving terminal 40 connected to the mail host 30 via a communication line 45.

A user (customer or bank employee) operates the accounting terminal 10 to make a deposit or cash transfer to a predetermined account. The accounting terminal 10 is provided with a passbook entry machine (not shown), and when a passbook is inserted into the passbook entry machine, the contents of the transaction are printed on the passbook. The host computer 20 includes a control unit 21 and an address storage unit 22 for storing a correspondence table between a user's account number and an e-mail address.
And an e-mail transmission determining unit 2 that determines whether an e-mail address is registered for the account with which the transaction has been performed.
3, a mail message assembling unit 24 for assembling a mail message based on the executed transaction, and a mail transmitting unit 25 for transmitting the mail message to the mail host 30. The host computer 20 is also provided with functions for managing the balance of the customer's account and the like based on the transaction made from the accounting terminal 10, but since the configuration of these functions is the same as in the prior art, The description is omitted.

The mail host 30 receives the mail message sent from the host computer 20 and sends it to the mail receiving terminal 40. The above e-mail receiving terminal 4
Reference numeral 0 denotes, for example, a personal computer or a workstation installed at the user's home or office, which receives a mail message transmitted from the mail host 30 and displays it to the user.

FIG. 2 is a flowchart of the operation of the accounting terminal 10. In step S1, it waits for a transaction such as cash transfer or cash withdrawal. In step S2, it is determined whether a transaction has been made for a predetermined account. If the transaction has been performed, the process proceeds to step S3. If the transaction has not been performed, the process returns to step S1 and waits for the transaction to be performed.

In step S3, the account number for which the transaction has been performed is notified to the mail transmission determining section 23 of the host computer 20. FIG. 3 shows the host computer 2
7 is a flowchart of the operation at 0. Step V1
Then, the mail transmission determining unit 23 acquires the account number for which the transaction has been performed.

In step V2, the mail transmission determining section 23
Determines whether the account with which the transaction was performed is the account of the person who responded to the email notification. If the account with which the transaction was performed is the account of the mail notification responder, the process proceeds to step V3, and if the account with which the transaction is performed is not the account of the mail notification responder, the operation is completed. The e-mail transmission determining unit 23 stores the account in which the transaction has been performed in the address storage unit 22.
If your email address is registered in advance,
It is determined that the account is the account of the person corresponding to the email notification.

At step V3, the mail transmitting section 25
From the address storage unit 22, an e-mail address corresponding to the account with which the transaction has been performed is obtained. Step V
In 4, the e-mail message assembling section 24 assembles the e-mail message based on the executed transaction. 10 in the user's account
When the ten thousand yen is transferred, the e-mail message assembling unit 24 assembles the following e-mail message, for example.

"100,000 yen was transferred to your account at 3:33 pm on March 1, 1996." In step V5, the mail sending unit 25 sends the mail host 30
To send the above electronic mail message. At a convenient time, the user connects to the mail host 30 from the mail receiving terminal 40 and receives the mail message sent to his / her own e-mail address.

As described above, in the accounting system 100, the host computer 30 transmits the mail message based on the transaction made to the user's account by the mail host 40.
The user connects to the mail host 30 from the mail receiving terminal 40 and receives the mail message sent to his / her own e-mail address. For this reason, the user can confirm the transaction made on his / her account and the contents thereof from his home or office at a convenient time.

In the above description, one accounting terminal is connected to one host computer. However, usually, many accounting terminals are connected to one host computer. . In the above description, one mail host is connected to one host computer, but a plurality of mail hosts may be connected to one host computer. In the above description, one mail receiving terminal is connected to one mail host.
A plurality of mail receiving terminals may be connected to one mail host.

In the above description, the mail message is displayed, but the mail message may be read aloud. -Second Embodiment- FIG. 4 is a block diagram of an accounting system according to a second embodiment of the present invention. The accounting system 200 includes an accounting terminal 90 such as an automatic transaction device (ATM) installed in a financial institution such as a bank, a host computer 80 connected to the accounting terminal 10 via a communication line 15, Host 3 connected to the system terminal 90 via the communication line 35
0, and a mail receiving terminal 40 connected to the mail host 30 via a communication line 45.

The accounting terminal 90 has a control unit 91, an address storage unit 92 for storing a correspondence table between a user's account number and an e-mail address, and an e-mail address registered for an account with which a transaction has been made. And a mail message assembling unit 94 for assembling a mail message based on the transaction performed.
And a mail sending unit 95 for sending the mail message to the mail host 30. In addition,
The accounting terminal 90 is also provided with a function for performing transactions such as depositing and cash transfer to a predetermined account by operating the user. Is omitted.

The host computer 80 manages the balance of the customer's account and the like based on the transaction made from the accounting terminal 90. The mail host 30 receives the mail message sent from the accounting terminal 90 and sends it to the mail receiving terminal 40. The mail receiving terminal 40 is, for example, a personal computer or a workstation installed at the user's home or office, and receives a mail message sent from the mail host 30 and displays the message to the user.

FIG. 5 is a flowchart showing the operation of the accounting terminal 90. In Step P1, it waits for a cash transfer transaction to be performed. In Step P2, it is determined whether or not a transaction has been made for a predetermined account. If the transaction has been performed, the process proceeds to step P3. If the transaction has not been performed, the process returns to step P1 and waits for the transaction to be performed.

In step P3, the mail transmission determining section 92
Determines whether the account with which the transaction was performed is the account of the person who responded to the email notification. If the account with which the transaction has been made is the account of the mail notification responder, the process proceeds to step P4, and if the account with which the transaction has been made is not the account of the mail notification responder, the operation is completed. Note that the e-mail transmission determination unit 92 stores the address in the address storage
If your email address is registered in advance,
It is determined that the account is the account of the person corresponding to the email notification.

In step P4, the mail transmitting section 94
From the address storage unit 92, an e-mail address corresponding to the account with which the transaction has been performed is obtained. Step P
In 5, the e-mail message assembling section 95 assembles the e-mail message based on the executed transaction. 10 in the user's account
When the ten thousand yen is transferred, the e-mail message assembling unit 95 assembles the following e-mail message, for example.

"100,000 yen was transferred to your account at 3:33 pm on March 1, 1996." In step P6, the mail sending unit 94 sends the mail host 30
To send the above electronic mail message. At a convenient time, the user connects to the mail host 30 from the mail receiving terminal 40 and receives the mail message sent to his / her own e-mail address.

As described above, in the accounting system 200, the accounting terminal 90 transmits a mail message based on the transaction made to the user's account to the mail host 40. It connects to the mail host 30 and receives the mail message sent to its own e-mail address. For this reason, the user can confirm the transaction made on his / her account and the contents thereof from his home or office at a convenient time.

The accounting system 1 according to the first embodiment.
In 00, since a function for transmitting a mail message is provided on the host computer side, it is necessary to modify the software of the host computer to add such a function. On the other hand, in the accounting system 200 according to the second embodiment, since a function for transmitting an e-mail message is provided in the accounting terminal, applicable transactions are limited (for example, automatic debit). Is not applicable)
However, the function can be implemented only by modifying the software of the accounting terminal.

In the above description, one accounting terminal is connected to one host computer. However, usually, many accounting terminals are connected to one host computer. . In the above description, one mail host is connected to one host computer, but a plurality of mail hosts may be connected to one host computer. In the above description, one mail receiving terminal is connected to one mail host.
A plurality of mail receiving terminals may be connected to one mail host.

In the above description, the mail message is displayed, but the mail message may be read aloud.

[0033]

As described above, according to the present invention, the correspondence between an account number and an e-mail address is stored, and when a transaction is made for an account, a message based on the transaction is sent to the corresponding e-mail. Send to address. This allows the user to receive the electronic mail sent to his / her e-mail address at a convenient time and check the details of the transactions made on his / her account. This eliminates the need to go to the accounting terminal for bookkeeping, so that the details of the transaction can be known without taking much time and effort.

[Brief description of the drawings]

FIG. 1 is a block diagram of an accounting system according to a first embodiment of the present invention.

FIG. 2 is a flowchart of an operation in an accounting terminal of the accounting system of FIG. 1;

FIG. 3 is a flowchart of an operation in a host computer of the accounting system in FIG. 1;

FIG. 4 is a block diagram of a billing system according to a second embodiment of this invention.

FIG. 5 is a flowchart of the operation of the accounting system terminal in the accounting system of FIG. 4;

FIG. 6 is a block diagram of a conventional accounting system.

[Explanation of symbols]

 100, 200 accounting system 10 accounting terminal 20 host computer 30 mail host 40 mail receiving terminal 15, 35, 45 communication line

Claims (5)

[Claims] 1. A transaction, wherein correspondence between an account number and an e-mail address is stored, and when a transaction is made to the account, a message based on the transaction is transmitted to the corresponding e-mail address. Notification method. 2. A billing terminal for conducting a transaction, a storage means for storing a correspondence table between an account number and an e-mail address, a message assembling means for assembling a message based on the transaction when the transaction is performed, A billing system comprising: a message transmitting means for acquiring an e-mail address corresponding to the account number with which the transaction has been performed and transmitting the message to the e-mail address. 3. A billing system comprising: a billing terminal for conducting a transaction; and a host computer for managing a transaction conducted from said billing terminal, wherein said host computer comprises an account number and an e-mail address. Storage means for storing a correspondence table; message assembling means for assembling a message based on the transaction when the transaction is performed; acquiring an email address corresponding to the account number at which the transaction was performed; A billing system comprising: a message transmitting unit that transmits the message. 4. A billing system according to claim 2, further comprising a message receiving and displaying means for receiving and displaying the transmitted message. 5. A storage means for storing a correspondence table between an account number and an e-mail address, a message assembling means for assembling a message based on the transaction when the transaction is performed, and a message corresponding to the account number at which the transaction was performed. An electronic mail transmitting means for acquiring an electronic mail address and transmitting the electronic mail to the electronic mail address;