JPWO2016194053A1 - Procedure management system and procedure management method - Google Patents

Abstract

In consideration of the situation where it is difficult for customers themselves to use financial institutions, ensure customer convenience and security for various procedures. In the procedure management system (100), a storage device (101) storing authentication information relating to a customer of a financial institution and its agent and authority information for a predetermined process relating to a predetermined procedure in the financial institution, and a predetermined terminal received , Authentication processing based on the requester's authentication information and authentication information for each request of pre-registration of a predetermined procedure related to a customer, designation of an agent as an executor of the predetermined procedure, and execution of the predetermined procedure by the executor of the procedure And a process for determining whether or not there is an authority related to the request based on the authority information of the customer or the agent specified in the authentication process, and a business process corresponding to the request in which the authority holding in the customer or the agent is specified in the determination process The arithmetic unit (104) is included.

Description

  The present invention relates to a procedure management system and a procedure management method.

  Customers of financial institutions are composed of people with various attributes and behavior patterns, such as busy businessmen and elderly people requiring care. Among such customers, it may be difficult to visit a sales office or ATM during business hours depending on the circumstances of their business hours, physical handicap, or home location. In response to this situation, various technologies have been proposed that allow each customer to easily use various operations provided at a sales office window.

  For example, search the reference database for each type of business to be supported and specify the skill type and level required for dealing with customers, and specify the employee with the specified skill type and level from the skill database. Search the available person management database for employees with the specified skill type and level, and identify employees who can respond to customers at a predetermined support time and generate a list of available persons for each type of support target business A list generating unit that receives support request information from the window terminal via a network, and obtains support type information and support time information included in the support request information, and the support request information Includes a list transmission unit that transmits a list of available persons corresponding to the type of support target business included in Such as system (see Patent Document 1) has been proposed.

  Pursuing customer convenience as described above and maintaining good security of procedure processing tend to conflict with each other, and countermeasures against fraud such as fraud are necessary. Therefore, even if the holder of the deposit account himself / herself attempts to withdraw money illegally, it is a system for reliably restraining such acts, and wishes to withdraw and transfer to the deposit account. A financial institution system server having a customer database for managing a deposit account and connected to the ATM so as to be able to communicate, A deposit / withdrawal system (see Patent Document 2) including a withdrawal reservation server provided so as to be communicable with the financial institution system server has also been proposed.

JP 2006-344019 A JP 2010-186329 A

  As described above, technologies for processing on the network by customers themselves and technologies for suppressing acts such as unauthorized withdrawal have been proposed. However, there has been no technology that ensures both customer convenience and security for various procedures, taking into account the fact that it is difficult for customers to use financial institutions.

  Accordingly, an object of the present invention is to provide a technique for ensuring both customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers themselves to use financial institutions.

  The procedure management system of the present invention that solves the above problems includes a storage device that stores authentication information relating to a customer of a financial institution and an agent thereof, and authority information for a predetermined process relating to a predetermined procedure in the financial institution, and a predetermined terminal. Requester authentication information and the authentication for each request received in advance, such as pre-registration of a predetermined procedure relating to a customer, designation of an agent as an executor of the predetermined procedure, and execution of the predetermined procedure by the executor of the procedure Authentication processing based on information, determination processing of presence / absence of authority regarding the request based on the authority information of the customer or agent specified in the authentication processing, and authority holding in the customer or the agent specified in the determination processing And a processing unit that executes a business process corresponding to the request.

  Further, according to the procedure management method of the present invention, an information processing system including a storage device storing authentication information related to a customer of a financial institution and an agent thereof and authority information for a predetermined process related to a predetermined procedure in the financial institution is predetermined. Requester authentication information for each request received from the terminal, such as pre-registration of a predetermined procedure relating to a customer, designation of an agent as an executor of the predetermined procedure, and execution of the predetermined procedure by the executor of the procedure, and Authentication processing based on the authentication information, determination processing of presence / absence of authority regarding the request based on the authority information of the customer or agent specified in the authentication processing, and authority holding in the customer or the agent specified in the determination processing And a business process corresponding to the requested request.

  According to the present invention, it is possible to ensure both customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

It is a figure which shows the example of a network structure containing the procedure management system of this embodiment. It is a figure which shows the structural example of the procedure management system in this embodiment. It is a figure which shows the structural example of the shop counter terminal in this embodiment. It is a figure which shows the structural example of ATM in this embodiment. It is a figure which shows the structural example of the user terminal in this embodiment. It is a figure which shows the example of a data structure of the administrator information table in this embodiment. It is a figure which shows the data structural example of the agent information table in this embodiment. It is a figure which shows the example of a data structure of the case management table in this embodiment. It is a figure which shows the data structural example of the rule table in this embodiment. It is a figure which shows the data structural example of the upper limit table in this embodiment. It is a figure which shows the registration flow example 1 of the biometric information in this embodiment. It is a figure which shows the registration flow example 2 of the biometric information in this embodiment. It is a flowchart which shows process sequence example 1 of the procedure management method in this embodiment. It is a figure which shows the example 1 of a screen in this embodiment. It is a figure which shows the example 2 of a screen in this embodiment. It is a flowchart which shows process sequence example 2 of the procedure management method in this embodiment. It is a flowchart which shows process sequence example 3 of the procedure management method in this embodiment. It is a figure which shows the other data structural example of the manager information table in this embodiment. It is a figure which shows the other example of a data structure of the agent information table in this embodiment. It is a figure which shows the other example of a data structure of the case management table of this embodiment.

--- System configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram showing a network configuration example including a procedure management system of the present embodiment. A procedure management system 100 shown in FIG. 1 is a computer system for ensuring both customer convenience and security regarding various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

  This procedure management system 100 is configured by a server device operated by a financial institution such as a bank or an ATM service provider, and a customer or his / her agent can handle a desired procedure (eg deposit / withdrawal) of a teller. It is connected to the branch office terminal 200 as an operation terminal and the ATM 230 to be operated when the customer or his / her agent performs the above-described procedure by himself / herself through the secure network 20.

  Further, the procedure management system 100 is connected to a user terminal 300 that is an operation terminal of a customer or an agent who visits a sales office or uses an ATM 230 via an appropriate network 30 such as the Internet. In the present embodiment, among the user terminals 300, a person who owns his / her account at a financial institution, that is, a terminal operated by a customer is referred to as a customer terminal 320. Also, among the user terminals 300, the terminal operated by the agent designated by the customer is referred to as the agent terminal 330.

  Next, the hardware configuration of the procedure management system 100 according to the present embodiment and the above-described sales office window terminal 200, ATM 230, and user terminal 300 will be described. FIG. 2 is a diagram illustrating a hardware configuration example of the procedure management system 100 according to the present embodiment. The procedure management system 100 illustrated in FIG. 2 includes a storage device 101 configured with an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive, a memory 103 configured with a volatile storage element such as a RAM, The program 102 held in the device 101 is executed by reading the program 102 into the memory 103 to perform overall control of the device itself, and it is connected to the arithmetic device 104 such as a CPU for performing various determinations, computations and control processing, and the networks 20 and 30. At least a communication device 105 responsible for communication processing with the device is provided.

  Note that the storage device 101 stores data 110 necessary for various types of processing, in addition to a program 102 for implementing functions necessary for the information processing device constituting the procedure management system 100 of the present embodiment. ing. The data 110 includes at least an administrator information table 125, an agent information table 126, a case management table 127, a rule table 128, and an upper limit value table 129, which will be described later.

  Further, as shown in FIG. 3, the above-mentioned sales office window terminal 200 includes a storage device 201 composed of a suitable non-volatile storage element such as a hard disk drive, a memory 203 composed of a volatile storage element such as RAM, A program 202 held in the device 201 is read out and executed in the memory 203 to perform overall control of each device described above and perform various determinations, calculations, and control processes. An input device 205 such as a touch panel, a keyboard, and a PIN pad that receives input, an output device 206 such as a display and a speaker that outputs processing results, and a communication device that is connected to the network 20 and performs communication processing with an external device such as the procedure management system 100 207. In addition, the sales office window terminal 200 in the present embodiment is an appropriate device such as a biometric information reader 220 for reading the biometric information of a customer who visits the window or his / her agent, and an IC card of the customer (or his / her agent in some cases). It further includes a card reader 221 that reads authentication information for the card, and a passbook reader 222 that reads authentication information for the passbook of a customer (or an agent in some cases).

  In addition, as shown in FIG. 4, the above-described ATM 230 includes a general device configuration as an ATM such as a cash hangar 240, a cash transport mechanism 241, and a cash slot 242, and a computer 250 that executes control of such a device. I have. Among these, the computer 250 reads out to the memory 253 the storage device 251 configured with an appropriate non-volatile storage element such as a hard disk drive, the memory 253 configured with a volatile storage element such as RAM, and the program 252 held in the storage device 251. And the like, and performs overall control of each of the above-described devices and performs various determinations, computations, and control processes, an arithmetic device 254 such as a CPU, an input device 255 such as a touch panel and a keyboard that accepts input from the user, and outputs processing results. An output device 256 such as a display and a speaker, and a communication device 257 that is connected to the network 20 and performs communication processing with an external device such as the procedure management system 100 are provided. In addition, the ATM 230 in this embodiment further includes a biometric information reader 245 for reading biometric information of a customer who operates the ATM 230 or an agent thereof.

Further, the user terminal 300 of the present embodiment has the same hardware configuration as a general computer terminal, and as shown in FIG. 5, a storage device 301 including a suitable non-volatile storage element, a RAM A memory 303 composed of volatile storage elements, a CPU that performs overall control of the device itself by executing a program 302 held in the storage device 301 by reading it into the memory 303, etc., and performing various determinations, computations and control processing, etc. Connected to an appropriate network 30 such as the Internet, an input device 305 such as a touch panel or a keyboard for receiving input from a user, an output device 306 such as a display or a speaker for outputting processing results, and the Internet. The communication device 307 responsible for the communication processing is provided. In addition, the user terminal 300 in the present embodiment further includes a biometric information reader 315 for reading the biometric information of the customer who operates the user terminal 300 or its agent.
--- Function ---
Next, functions provided in the procedure management system 100 of this embodiment will be described. As described above, it can be said that the functions described below are implemented by executing the program 102 included in the procedure management system 100, for example. Here, the functions and processing contents of the sales office window terminal 200, the ATM 230, and the user terminal 300 necessary for explaining the functions of the procedure management system 100 are also shown as appropriate.

  The procedure management system 100 according to the present embodiment performs pre-registration of a procedure such as withdrawal of a predetermined amount from a customer account received from the user terminal 300 (either the customer terminal 320 or the agent terminal 330), and the execution of the above-described procedure. Obtained from the requester for each request for the designation of the acting agent (by the customer) and the execution of the procedure by the executor of the procedure (assuming the agent, but the customer may be the case) A function for performing an authentication process based on verification between appropriate authentication information such as biometric information and authentication information such as a biometric information template held in the administrator information table 125 or the agent information table 126.

  In addition, the procedure management system 100 acquires authority information from the administrator information table 125 or the agent information table 126 regarding the customer or agent identified in the above-described authentication process, and this authority information holds the authority relating to the above-described request. It has a function of performing processing to determine whether or not to indicate. Note that the authority information in the present embodiment is information that defines whether or not to grant permission for each of the above-described requests (procedure pre-registration, agent designation, and procedure execution request).

  In addition, the procedure management system 100 has a function of executing a business process corresponding to a request for which authorization of a customer or an agent is specified in the above determination process. Since this business process is in response to the above-described request, for example, a process of pre-registering information on a procedure received from the user terminal 300 in the case management table 127 of the storage device 101, a customer terminal 320 of the user terminal 300 From the agent information table 126 and the case management table 127, and processing from the agent information table 126 and the case management table 127, respectively, and the sales office window terminal 200, ATM 230, customer terminal, and agent terminal 330. Assume processing such as withdrawal (procedure) processing in response to an execution instruction.

  Note that the procedure management system 100 according to the present embodiment uses the manager information table 125 or the agent information table 126 of the storage device 101 to limit the amount of money that can be processed in the procedure at the financial institution for the customer or the agent. Are further stored. In this case, the procedure management system 100 determines whether or not there is authority for the request and the limit of the handling amount based on the authority information and limit information of the customer or agent specified in the authentication process for each request in the determination process described above. It further has a function of executing a determination as to whether or not the forehead is successful.

  In addition, the procedure management system 100 in this case has a function of executing the business process corresponding to the request in which the authorization holding in the customer or the agent and the limit conformance of the handling amount are specified in the above-described determination process in the above-described business process. It has.

  In addition, the procedure management system 100 according to the present embodiment further stores information on the execution period of the procedure at the financial institution regarding the customer or the agent in the administrator information table 125 or the agent information table 126 of the storage device 101. Suppose you are. In this case, the procedure management system 100, in the above determination process, for each request, based on the authority information of the customer or the agent specified in the above authentication process and the information on the executable period, whether or not the authority related to the request is present and executable It further has a function of executing a determination as to whether or not the time is appropriate.

  Further, in this case, the procedure management system 100 has a function for executing the business process corresponding to the request for which the authorization or the feasible time suitability in the customer or the agent is specified in the above-described determination process. I have.

  Further, the procedure management system 100 according to the present embodiment collates the rule table 128 with at least one of the processing amount and the execution frequency in the predetermined procedure indicated by each request described above, and specifies the necessity confirmation ( Example: consent of family as agent for procedures desired by the elderly), alert notification (eg alert to family as agent for procedures desired by the elderly), and results report (eg, procedures desired by the elderly) (Notifying the family as a representative of the processing result of the above) is further provided with a function of further executing a predetermined processing corresponding to at least one of them.

  Further, the procedure management system 100 of the present embodiment stores information on the upper limit frame that can be processed in the procedure among the account balances held by the customer in the financial institution in the upper limit value table 129 of the storage device 101. And In that case, the procedure management system 100 performs the above determination process based on the authority information of the customer or the agent specified in the authentication process and the information on the upper limit frame (specified in the upper limit table 129) for each request. Further, a function for executing the determination as to whether or not there is an authority related to the request and whether or not the upper limit frame is appropriately synthesized is further provided.

  In this case, the procedure management system 100 has a function of executing the business process corresponding to the request in which the authority retention and the upper limit frame conformity are specified in the customer or the agent in the determination process described above.

  Further, when the procedure management system 100 receives each request for the above-described pre-registration or agent designation from the customer terminal 320 or the agent terminal 330, the procedure management system 100 acts as a proxy from a customer (eg, an elderly person) who executes the request. A function of further receiving personal video data for a person (eg, an elderly family member) and storing the personal video data in the item management table 127 of the storage device 101 is further provided.

In this case, the procedure management system 100 transmits the principal image data read from the case management table 127 of the storage device 101 to the agent terminal 330 of the agent designated by the customer in response to the designation request of the agent described above. When the consent notification from the agent regarding the corresponding procedure is received, information on a predetermined procedure (for example, the procedure information itself or a valid flag) related to the customer who is the object of pre-registration is managed in the storage device 101. A function of storing in the table 127 is further provided.
--- Data structure example ---
Next, an example of a data structure in a table used by the procedure management system 100 of this embodiment will be described. FIG. 6 is a diagram showing a data configuration example of the administrator information table 125 in the present embodiment. The administrator information table 125 is a table that holds information on a person who is a customer of a financial institution and intends to entrust a proxy with a procedure managed by the procedure management system 100 in the present embodiment.

  The administrator information table 125 illustrated in FIG. 6 has an ID of a corresponding administrator, a registrant name (name of the administrator), and a PIN as a personal identification number, with the corporate number that is identification information of the corporation to which each administrator belongs as a key. , Approval limit that is the maximum amount that can be approved for procedures entrusted to the agent, receipt limit that is the maximum amount that can be withdrawn in the procedures performed by itself, biometric information, registration authority as authority information, approval authority, and reception authority, etc. It is a collection of records in which each value is associated.

  Of the above-mentioned authority information, the registration authority is information defining whether or not there is an authority to perform pre-registration among the above-mentioned requests, and “◯” means that there is authority. The approval authority of the above-mentioned authority information is information that specifies whether or not there is an authority to make an approval judgment regarding pre-registration or agent designation in the above-mentioned request, and “◯” means that there is an authority. In the above authority information, the receiving authority is information defining whether or not there is an authority to execute a withdrawal procedure in the above request, and “◯” means having authority.

  Each record in the manager information table 125 corresponds to information registered in advance by a financial institution's manager or the like.

  FIG. 7 is a diagram showing a data configuration example of the agent information table 126 in the present embodiment. The agent information table 126 is a table in which a customer who is an administrator registered in the above-described administrator information table 125 registers information regarding an agent entrusting a procedure at a financial institution.

  The agent information table 126 illustrated in FIG. 7 uses a company ID (identical to the administrator information table 125), which is identification information of a corporation to which each agent belongs, as a key. Agent registrant (the name of the administrator who registered the agent), approval limit amount that the administrator has allowed for the approval action by the agent (only for those with approval authority), agent The maximum amount of money that can be withdrawn in the procedure performed by the person, each of the receipt limit, biometric information, registration authority as authority information, approval authority, and reception authority, the time effective classification that the procedure can be performed as an agent, the effective period, etc. It is a collection of records associated with values.

  FIG. 8 is a diagram showing a data configuration example of the item management table 127 in the present embodiment. The case management table 127 is a table that stores the content information of each procedure entrusted to the agent by the administrator, which is registered in response to the above-described pre-registration request. The case management table 127 illustrated in FIG. 8 includes a case number uniquely indicating a consignment procedure as a key, a corporate number of a corporation to which an administrator who entrusts the procedure to an agent belongs, and an approver ID of the consignment procedure (management Agent ID), agent ID of the consignee, status (status regarding the processing of the consignment procedure), account information subject to the procedure, transaction amount, effective date, and request information (customer video data), etc. It is a collection of records associated with values.

  FIG. 9 is a diagram showing a data configuration example of the rule table 128 in the present embodiment. The rule table 128 according to the present embodiment includes an agreement confirmation with the customer or the agent regarding the procedure, an alert notification, according to at least one of the amount of processing amount in the consignment procedure and the execution frequency of the regular procedure. And a table that defines whether at least one of the result reports is necessary. The rule table 128 shown in FIG. 9 uses the rule ID as a key for each of the amount of processing amount, the frequency of execution of the regular procedure, confirmation of consent to the customer or agent regarding the procedure, alert notification, and result report. It is a collection of records in which information such as “no” is associated.

FIG. 10 is a diagram showing a data configuration example of the upper limit value table 129 in the present embodiment. This upper limit value table 129 is a table that stores information on the upper limit frame of the amount that can be processed in the consignment procedure among the account balances held by the customer at the financial institution. The upper limit table 129 shown in FIG. 10 is a set of records in which information such as an account number and an upper limit frame of a corresponding corporation is associated with a corporation number that uniquely identifies each corporation as a key. The value of the upper limit frame stipulated in the upper limit table 129 is determined at regular intervals such as pensions and stock dividends based on the payment history of the procedure management system 100 acquired from the core system of the financial institution to the corresponding account. It is a value that specifies a fixed amount to be paid regularly.
--- Regarding biometric information registration process ---
First, a flow for registering a customer's biometric information at any point before execution of the procedure management method in the present embodiment will be described. FIG. 11 is a diagram illustrating a biometric information registration flow example 1 in the present embodiment. When the “customer” is a corporation, the target of biometric information registration is assumed to be a predetermined manager of a corporate staff. On the other hand, when the “customer” is an individual, the subject of biometric information registration is the individual customer. In the following example, a situation where biometric information registration is performed for an administrator who belongs to a corporation is shown as an example.

  In this case, the above-mentioned manager carries his / her identification card such as an employee ID card or a driver's license, and an IC card issued by a financial institution, and visits the counter of the financial institution.

  On the other hand, a financial institution staff such as Teller corresponding to the manager operates the sales office window terminal 200 to start a manager registration procedure. The financial institution staff receives the IC card from the above-mentioned manager and sets it in the card reader 221 provided in the sales office counter terminal 200. Furthermore, the manager inputs the PIN number using a PIN pad which is a kind of the input device 205. Prompt.

  In addition, this financial institution staff receives the prescribed registration application form and identification card from the administrator, reads the personal information such as name, approval limit, receipt limit, and each authority information from the contents, Is input from the input device 205 as (a part of) registered information. The financial institution staff may cause the passbook reader 222 to read the passbook carried by the administrator.

  On the other hand, the sales office counter terminal 200 acquires the name information of the administrator with the input device 205 and also holds information on the IC card via the card reader 221 (for example, the customer corporation recorded by the IC chip). The process of obtaining the authentication information) and obtaining the personal identification number via the PIN pad is executed (s10).

  In the above aspect, an IC card is used for processing, but other methods may be adopted as follows. That is, appropriate authentication information such as a password or biometric information is used. One example is the following method. When a financial institution starts the service, the company or individual is properly verified by face-to-face contact at the window, and the company number and manager ID (example: both are eligible) Is registered with the administrator information table 125 or the agent information table 126 of the procedure management system 100 in association with these information. On the other hand, at the time of authentication related to a customer or an agent at a financial institution thereafter, the sales office window terminal 200 displays the corporate number, the administrator ID, and the biometric information presented by the customer or the agent described above in the administrator information table 125 or Authentication is performed by collating with the agent information table 126. Note that the above-described authentication may be performed using biometric information or a personal identification number alone. When the above-described method is employed, so-called cardless authentication is possible.

  Next, the sales office counter terminal 200 determines whether or not the password indicated by the information held in the IC card described above matches the password obtained via the PIN pad (s11). Note that the personal identification number or the personal identification number obtained via the PIN pad is registered in the system or the like when performing cardless authentication. The same applies hereinafter. As a result of this determination, if the passwords do not match (s12: NG), the sales office window terminal 200 displays that fact on the output device 206 and ends the processing. On the other hand, as a result of the determination, if the coincidence of the passwords can be specified (s12: OK), the branch office window terminal 200 displays a success of authentication on the output device 206 (s13).

  The financial institution staff who has confirmed this display tells the administrator that biometric information registration is to be performed, and requests the biometric information reader 220 to set a predetermined part of the body such as a finger or palm. Then, it is assumed that the administrator who has received the request sets a predetermined part of his / her body in the biological information reader 220.

  In this case, the sales office counter terminal 200 acquires the above-described administrator's biometric information via the biometric information reader 220, and associates this with the administrator's name information (obtained in s10). And stored in the administrator information table 125 (s14).

  Next, biometric information registration processing related to a customer agent will be described. FIG. 12 is a diagram showing a biometric information registration flow example 2 in the present embodiment. This process is performed at least before execution of the pre-registration process. The target of biometric information registration is assumed to be a corporate employee who is a customer. When the customer is an individual, for example, an elderly person, the case where the child or the care staff is the subject of biometric information registration, that is, the agent, can be mainly assumed here.

  In this flow, the agent terminal 330 installed in the above-mentioned corporation accepts a registration request from a staff member who intends to perform agent registration by the input device 305 and displays a predetermined input screen held in advance on the output device 306. (S20). The staff who has viewed this screen uses the input device 305 to input various information such as his / her user ID (personnel number, etc.), name, approval limit, receipt limit, various authorities, validity category, and validity period according to the screen message. input. Of the information entered here, is at least the approval limit, receipt limit, various authorities, validity category, validity period, etc., given by the above-mentioned administrator (or the customer's own elderly person, etc.)? Alternatively, it can be assumed that the administrator himself / herself inputs with the input device 305.

  On the other hand, the agent terminal 330 acquires the information input by the above-described input device 305 (s21), and uses this information together with the above-described message for requesting the registration determination by the administrator, the customer terminal 320 operated by the administrator. (S22). If the administrator confirms the information at the customer terminal 320 and there is no problem with the contents, the administrator inputs an instruction to allow registration through the input device 305 of the customer terminal 320. At this time, the customer terminal 320 notifies the agent terminal 330 of a registration permission instruction.

  The agent terminal 330 that has received the notification that registration is possible displays a message for requesting the biological information reader 315 to set a predetermined part of the body such as a finger or a palm on the output device 305 (s23). It is assumed that a staff member who has viewed the message using the output device 305 sets a predetermined part of his / her body in the biological information reader 315.

In this case, the agent terminal 330 acquires the above-described staff biometric information via the biometric information reader 315, associates this with the staff name information (obtained in s21), and so on. The information is stored in the information table 126 (s24). In the above-described agent registration process, if the “effective classification” is set to “every time”, only the current day registered in the agent information table 126 or one day specified by the effective period, It is possible to carry out procedures such as withdrawal as an agent. In this case, the biometric information regarding the agent in the agent information table 126 is also operated to be registered “every time”.
--- Processing procedure example ---
Hereinafter, the actual procedure of the procedure management method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the procedure management method described below are realized by a program that the procedure management system 100 reads into a memory or the like and executes. These programs are composed of codes for performing various operations described below.

  FIG. 13 is a flowchart showing a processing procedure example 1 of the procedure management method in the present embodiment. In the present embodiment, the explanation will be made on the assumption that the corporate staff is requested by the supervisor of the manager to withdraw money at the sales office.

  The above-mentioned staff in this case operates a predetermined in-house terminal, that is, the agent terminal 330 to access the procedure management system 100, and, for example, an interface corresponding to the procedure management method of the present embodiment (see the interface 1200 in FIG. 14). browse. The above-mentioned staff will input information on the withdrawal procedure requested by the above-mentioned superior at this interface 1200. In the example of FIG. 14, an employee whose user ID is “1234567” has an effective date of “withdrawal” procedure of “24,000 yen” in accordance with the above-mentioned senior “1111111” as an approver. “YYYYMMDD” is designated in advance for registration. In addition, when performing an input operation related to pre-registration at the interface 1200, this staff member reads biological information by holding a part of his / her body over the biological information reader 315 provided in the agent terminal 330.

  On the other hand, the agent terminal 330 obtains, through the input device 305, pre-registration information related to the withdrawal procedure input by the above-mentioned staff at the interface 1200, and the biometric information of the staff obtained from the above-described biometric information reader 315. Together with the information, it is transmitted as pre-registration request information to the procedure management system 100 via the network 30.

  On the other hand, the procedure management system 100 receives the pre-registration request information transmitted from the above-described agent terminal 330 (s100), and converts the biometric information included in the request information into the corresponding user of the agent information table 126. The biometric information of the ID record is collated (s101).

  As a result of this collation, when the authenticity of the above-mentioned staff can be confirmed, the procedure management system 100 uses the record of the corresponding user ID in the agent information table 126 as the registration authority of “○” as the registration authority. A value is set, and it is determined whether or not there is an authority for pre-registration (s102). As a result of this determination, if the pre-registration authority is set for the staff member (s102: y), the procedure management system 100 once holds the above-mentioned pre-registration request information in the memory 103, and the user ID “1234567”. "Is sent as an approval request to the terminal of the predetermined manager of the corporation to which the staff member belongs, that is, the customer terminal 320 (s103). It is assumed that the procedure management system 100 holds contact information such as an email address in the storage device 101 in advance for the customer terminal 320 that performs pre-registration approval for each corporation.

  Upon receiving the approval request, the customer terminal 320 sends a notification prompting the administrator to read the biometric information through a predetermined screen display or the like, and executes the biometric information reading by the biometric information reader 315. In this case, the administrator who performs the above-described approval determination reads biometric information by holding a part of his / her body over the biometric information reader 315 of the customer terminal 320. The customer terminal 320 transmits authentication information including the above-described administrator's biometric information to the procedure management system 100. In this case, the procedure management system 100 receives the authentication request transmitted from the customer terminal 320 described above, and collates the biometric information included in this request with the biometric information in the record of the corresponding manager ID in the manager information table 125. The authentication process is executed (s104). As a result of this authentication, when the authenticity of the above-mentioned administrator can be confirmed (s104: y), the procedure management system 100 uses the approval authority of the authority information in the record of the administrator in the administrator information table 125. Is set to “◯”, and it is determined whether or not there is an authority to make an approval judgment for pre-registration (s105). As a result of this determination, if the authority to perform approval judgment for pre-registration is set for the administrator (s105: y), the procedure management system 100 sends the above information to the customer terminal 320 on the interface 1300 shown in FIG. The contents of the approval request are displayed (s106).

  The administrator who performs the pre-registration approval business browses the pre-registration information with the output device 326 of the customer terminal 320, determines whether or not to approve, and inputs the result to the interface 1300. In the example of FIG. 15, for the case number “123456789”, the biometric authentication result and authority determination is “OK”, and the staff member with the user ID “1234567” tries to pre-register “24,000 yen”. For the “withdrawal” procedure, an agent with a user ID “1234567” is designated, and the effective date of the case “YYYYMMDD” is designated for approval. Here, for example, the customer terminal 320 displays an interface (button or the like) for registering agent biometric information only when the “valid classification” is “every time”, and the biometrics related to the “every time” agent. It is more preferable to perform information registration processing.

  On the other hand, the customer terminal 320 obtains information related to the pre-registration approval result input by the above-described administrator through the interface 1300 via the input device 325, and performs the procedure via the network 30 as the pre-registration approval result. It transmits to the management system 100.

  On the other hand, the procedure management system 100 receives the pre-registration approval result information transmitted from the customer terminal 320 and stores it in the case management table 127 of the storage device 101 (s107).

  After the pre-registration is completed as described above, the above-mentioned agent “1234567” visited the financial institution and tried to withdraw money from the account of the corporation as a procedure entrusted by the superior. To do. In this case, it is assumed that the agent performs the biometric information reading operation on the biological information reader 220 of the sales office window terminal 200. The sales office window terminal 200 acquires the biometric information of the agent from the biometric information reader 220 and transmits an inquiry notification of a pre-registered item including the biometric information to the procedure management system 100.

  The procedure management system 100 receives a notification from the sales office window terminal 200, collates the biometric information included in the notification with the biometric information included in the agent record in the agent information table 126, and executes an authentication process. (S108). As a result of this authentication, if the authenticity of the above-mentioned agent can be confirmed (s108: y), the procedure management system 100 uses the receipt authority of the authority information in the record of the agent in the agent information table 126. Is set to “◯”, and it is determined whether or not the user has the authority to execute the withdrawal procedure (s109).

  As a result of the above determination, if the authority to execute the withdrawal procedure is set for the agent (s109: y), the procedure management system 100 sets the case management table 127 for the procedure pre-registered for the agent. The search is performed (S110).

  As a result of the above-described search, when the procedure registered in advance for the above-mentioned agent cannot be specified (s111: n), that effect is returned to the sales office window terminal 200, and the process is terminated. On the other hand, as a result of the above search, if a case (procedure) pre-registered with respect to the above-mentioned agent can be identified (s111: y), a notification of successful authentication and information on the pre-registered case are displayed. It returns to 200 (s112).

  The sales office window terminal 200 receives the above-mentioned notification of successful authentication and pre-registered case information, and performs business processing related to the procedure corresponding to the pre-registered case (eg, the withdrawal procedure is defined in the financial institution). A series of business processes) are executed, and the result is displayed on the output device 206, and the result of the procedure, that is, cash, is withdrawn from a cashier or the like, and the process ends. The person in charge at the sales office window terminal 200 hands the cash withdrawn here to the above-mentioned agent.

  It is preferable that the procedure management system 100 further executes the following processing based on the rule table 128 and the upper limit value table 129 when the pre-registration request information is received in step s100 described above. In this case, it is assumed that the pre-registration information specifies the processing frequency in addition to the transaction amount. FIG. 16 is a flowchart showing a processing procedure example 2 of the procedure management method in the present embodiment.

  That is, the procedure management system 100 calculates the total amount of procedures in a certain period such as one month based on the value of transaction amount and processing frequency indicated by the pre-registration information, and calculates the calculated amount of the staff in the upper limit table 129. It collates with the value of the upper limit frame of the corporation to which it belongs (s200).

  As a result of the above collation, if the calculated amount exceeds the upper limit value (s201: n), the procedure management system 100 determines that the pre-registration cannot be approved, and informs the agent terminal 330 of that fact. Return and finish the process.

  On the other hand, as a result of the above verification, if the calculated amount is below the upper limit value (s201: y), the procedure management system 100 determines the transaction amount and the processing frequency value indicated by the pre-registration information. The rule table 128 is collated (s202), and whether or not consent confirmation, alert notification, and result report are necessary according to the amount range and processing frequency defined by the rule table 128 is specified (s203). For example, when the transaction amount indicated by the pre-registration information is “24,000 yen” and the processing frequency is “twice / week”, according to the rule table 128, a predetermined specific administrator or other All of the process of notifying the user terminal 300 of the agent for consent confirmation, the process of notifying an alert as pre-registration requiring attention, and the process of notifying the execution result of the pre-registered procedure are performed. Can be identified as necessary.

  The procedure management system 100 executes the process specified in step s204 described above (s204), and advances the process to step s102 in the flow of FIG.

  Next, a mode for effectively utilizing the customer image entrusting the procedure, that is, the manager's own video in the above case will be described. FIG. 17 is a flowchart showing a processing procedure example 3 of the procedure management method according to the present embodiment. FIGS. 18 to 20 illustrate the administrator information table 125, the agent information table 126, and the case management table 127 according to the present embodiment. It is a figure which shows the other example of a data structure. Here, it is assumed that the customer is an elderly person and the agent is an elderly family member (or care staff). Therefore, in each table illustrated in FIGS. 18 to 20, the key of each record is a family number instead of a corporate number.

  In this case, when the procedure management system 100 receives each request for pre-registration or agent designation from the customer terminal 320 or the agent terminal 330, the procedure management system 100 receives the request from the customer (eg, an elderly person). Further, the personal video data for the agent (eg, the elderly family) is further received (s300), and the personal video data is stored in the case management table 127 of the storage device 101 (s301).

  Next, the procedure management system 100 responds to the agent designation request from the customer terminal 320 (for example, received at the interface 1300 in FIG. 15) to the agent terminal 330 of the agent designated by the customer. On the other hand, the personal image data read from the case management table 127 of the storage device 101 is transmitted (s302).

  On the other hand, the agent terminal 330 that has received this reproduces the above-described personal video data by the output device 336. The agent browses this person's video with the output device 336, determines whether or not the request is a request for the commissioned procedure from the customer, and determines whether the procedure is appropriate. For example, a decision that a family representative refuses to act on an improperly-purchased product purchase procedure that is a request from one's own parent, but has decided to purchase with insufficient product knowledge. Will be performed. Alternatively, the agent determines that the above-described procedure is appropriate and that the agency is entrusted.

  The agent who determines that the contents of the corresponding procedure are appropriate and accepts the substitution, inputs an agreement notice at the agent terminal 330 and instructs the procedure management system 100 to reply. Receiving this, the procedure management system 100 receives this consent notification (s303), and stores information on a predetermined procedure (for example, the procedure information itself or a valid flag) related to the customer to be pre-registered in the storage device 101. It is stored in the case management table 127 (s304). Of course, when the notification of disagreement is received instead of the above-described consent notification, for example, the procedure management system 100 ends the process without performing the registration process for the corresponding pre-registration.

  Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the scope of the invention.

  According to the present embodiment, it is possible to ensure both customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

  At least the following will be clarified by the description of the present specification. That is, in the procedure management system of the present embodiment, the storage device further stores information on a handling limit amount associated with a predetermined procedure at the financial institution regarding the customer of the financial institution and its agent, and the arithmetic device In the determination process, for each request, a determination as to whether or not the request is authorized and whether the handling limit is appropriate or not based on the authority information and the limit information of the customer or agent specified in the authentication process. When the business process is performed, the business process corresponding to the request for which the authorization or the handling limit amount conformity is specified in the customer or the agent in the determination process may be executed.

  According to this, regarding the agent designated by the customer, for example, based on the closeness of the blood relative to the customer and the level of trust, the range of the amount subject to the procedure at the financial institution can be controlled easily and reliably. Is possible. As a result, it is possible to secure further customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

  Further, in the procedure management system of the present embodiment, the storage device further stores information on a feasible period of the predetermined procedure at the financial institution regarding the customer of the financial institution and its agent, In the determination process, for each request, a determination is made as to whether or not the request is authorized and whether or not the execution time is appropriate based on the authority information and the executable period information specified in the authentication process. The business process may be executed and the business process corresponding to the request for which the authorization or the execution time compliance in the customer or the agent is specified in the determination process may be executed.

  According to this, regarding the agent designated by the customer, the execution period of the procedure at the financial institution based on the closeness of the blood relative to the customer, the high degree of trust, or the routineness or urgency of the procedure, etc. Can be controlled easily and reliably. As a result, it is possible to secure further customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

  Further, in the procedure management system according to the present embodiment, the storage device is a customer or a proxy related to the predetermined procedure according to at least one of a processing amount in the predetermined procedure and a frequency of execution of the predetermined procedure. It further stores a rule table that defines the necessity of at least one of consent confirmation to human, alert notification, and result report, and the arithmetic unit performs processing amount and execution in a predetermined procedure indicated by each request It is also possible to further execute predetermined processing corresponding to at least one of the consent confirmation, the alert notification, and the result report in which at least one of the frequencies is collated with the rule table and the necessity is specified. Good.

  According to this, based on the importance of the procedure and the judgment ability of the customer, etc., the agent who has secured the ability to execute the procedure will be urged easily and surely in advance regarding the authenticity and appropriateness of the procedure. Is possible. As a result, it is possible to secure further customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

  Further, in the procedure management system of the present embodiment, the storage device further stores information on an upper limit frame that can be processed by the predetermined procedure among account balances held by the customer at the financial institution, In the determination process, the arithmetic device, for each request, based on the authority information of the customer or the agent specified in the authentication process and the information on the upper limit frame, about the presence of authority regarding the request and whether or not the upper limit frame is properly combined In the business process, the business process corresponding to the request for which the authorization or the upper limit limit conformance in the customer or the agent is specified in the determination process may be executed.

  According to this, for example, it is possible to manage such as keeping the contents of the procedure at the financial institution within a range of amounts such as pension, interest, stock dividend, etc. that can be regularly acquired by the customer. As a result, while avoiding the situation where most of the customer's financial assets are fraudulently in the name of the above procedure by a malicious third party, etc., it is difficult to use financial institutions by customers themselves. Further customer convenience and security related to the procedure can be secured together.

  Further, in the procedure management system of the present embodiment, when the computing device receives each request for the pre-registration or the designation of the agent from a predetermined terminal, the arithmetic device is directed from the customer who is the requester to the agent. Further receiving the principal video data, storing the principal video data in a storage device, and transmitting the principal video data to the agent terminal designated by the customer in response to the designation request of the agent In addition, when an agreement notification from the agent regarding the predetermined procedure is received, a process for storing information on the predetermined procedure regarding the customer who is the object of the pre-registration in a storage device may be further executed. .

  According to this, based on the importance of the procedure and the judgment ability of the customer, etc., prior judgment regarding the authenticity and appropriateness of the procedure by an appropriate agent such as the family of the customer whose procedure execution ability is secured is ensured. After confirming the identity of the customer, it is possible to easily and surely prompt the customer. As a result, it is possible to secure further customer convenience and security related to various procedures while taking into account the fact that it is difficult for customers to use financial institutions.

  Further, in the procedure management method of the present embodiment, the information processing system further stores, in the storage device, information on a handling limit amount associated with a predetermined procedure at the financial institution regarding the customer of the financial institution and its agent, In the determination process, for each request, based on the authority information and the limit information of the customer or agent specified in the authentication process, a determination is made as to whether or not the request is authorized and whether or not the handling limit is properly combined. Then, in the business process, the business process corresponding to the request in which the determination of the authority retention and the handling limit amount matching in the customer or the agent is specified may be executed.

  Further, in the procedure management method of the present embodiment, the information processing system further stores, in the storage device, information on an executable period of a predetermined procedure at the financial institution regarding the customer of the financial institution and its agent, In the determination process, for each request, based on the authority information of the customer or agent specified in the authentication process and the information on the executable period, a determination is made as to whether or not the request is authorized and whether or not the executable period is appropriate. In the business process, the business process corresponding to the request for which the determination of the retention of authority and the feasibility matching in the agent is specified in the determination process may be executed.

  Further, in the procedure management method of the present embodiment, the information processing system according to at least one of a processing amount in the predetermined procedure and a frequency of execution of the predetermined procedure in the storage device, A rule table that prescribes whether or not consent confirmation to the customer or agent regarding the predetermined procedure, at least one of alert notification, and result report is further stored, and the processing amount and execution frequency of the predetermined procedure indicated by each request It is also possible to further execute a predetermined process corresponding to at least one of the consent confirmation, the alert notification, and the result report in which at least one of the information is collated with the rule table and the necessity is specified.

  Moreover, in the procedure management method of the present embodiment, the information processing system further includes information on an upper limit frame that can be processed by the predetermined procedure among account balances held by the customer at the financial institution in the storage device. In the determination process, for each request, a determination is made as to whether or not the request is authorized and whether or not the upper limit frame is appropriate based on the authority information and the upper limit frame information of the customer or agent specified in the authentication process. When the business process is performed, the business process corresponding to the request for which the authorization or the upper limit limit is specified in the customer or the agent in the determination process may be executed.

  Further, in the procedure management method of the present embodiment, when the information processing system receives each request of the pre-registration or the designation of the agent from a predetermined terminal, the customer who performs the request is directed from the customer to the agent. The personal image data is further received, the personal video data is stored in a storage device, and the personal video data is transmitted to the agent's terminal designated by the customer in response to the designation request of the agent. Then, when an agreement notice from the agent regarding the predetermined procedure is received, a process for storing information on the predetermined procedure regarding the customer that is the object of the pre-registration in a storage device may be further executed.

20, 30 Network 100 Procedure management system 101 Storage device 102 Program 103 Memory 104 Computing device 105 Communication device 125 Administrator information table 126 Agent information table 127 Case management table 128 Rule table 129 Upper limit table 200 Sales office window terminal 201 Storage device 202 Program 203 Memory 204 Arithmetic Device 205 Input Device 206 Output Device 207 Communication Device 220 Biometric Information Reader 221 Card Reader 222 Passbook Reader 230 ATM
231 Storage device 232 Program 233 Memory 234 Arithmetic device 235 Input device 236 Output device 237 Communication device 240 Cash storage 241 Cash transport mechanism 242 Cash slot 245 Biological information reader 300 User terminal (customer terminal, agent terminal)
301 Storage Device 302 Program 303 Memory 304 Arithmetic Device 305 Input Device 306 Output Device 307 Communication Device 315 Biometric Information Reader 320 Customer Terminal 330 Agent Terminal

Procedure management system of the present invention for solving the above-mentioned problems, the authentication information including the customer and related that biological information to the representative of the financial institution, the customer and the agent has a predetermined process relating to a predetermined procedure in financial institutions a storage device that stores the authority information is information about authority to make, received from a given terminal, the pre-registration of predetermined procedures for customer requests, request executor serving designated agent of the predetermined procedures, and the against representative requests execution of the predetermined procedure by the customers and the authentication information and the stored to have biometric information agent by performing the authentication-out based, authenticity and the proxy of the customer and the authentication process for confirming the authenticity of the people, representative of the authenticity of the confirmed customer and agents, to determine the authority whether or not related to the pre-registration, the authenticity has been confirmed , A determination process based on the authority whether to execute the requested predetermined procedure to the authority information, it is determined that the agent holds the authority of the execution has been pre-registered by the determination process wherein A processing unit for processing a business related to a predetermined procedure ;
Is provided.

Further, authorization procedure management method of the present invention, for performing the authentication information including the customer and related that biological information to the representative of the financial institution, said has the customer and the agent, the predetermined processing relating to a predetermined procedure in financial institutions An information processing system including a storage device that stores authority information that is information related to a request received from a predetermined terminal, a request for pre-registration of a predetermined procedure relating to a customer, a request for designation of an agent who is an executioner of the predetermined procedure, and , to the proxy execution request of the predetermined procedure by the by the customer and by performing authentication information and based-out authentication in the storage has been that the biological information of the representative, authenticity of the customer and an authentication process for confirming the authenticity of the agent, the authenticity of the customer and agents that have been identified, to determine the authorization whether regarding the pre-registration, the authenticity is confirmed An agent, a determination process based on the authority whether to execute the requested predetermined procedure to the authority information, it is determined to the proxy by the judgment process have privileges of the execution preregistration And a business process for processing a business related to the predetermined procedure .

The procedure management system of the present invention that solves the above problem performs authentication information including biometric information relating to a customer of a financial institution and its agent, and a predetermined process relating to a predetermined procedure in the financial institution possessed by the customer and the agent. A storage device storing authority information that is information relating to authority;
Received from agent terminal in which the agent is managed, the pre-registration of predetermined procedures for customer request, the request of the designated performers serving the representative of the predetermined procedures, and, by the agent of execution of the predetermined procedure An authentication process for confirming the authenticity of the customer and the authenticity of the agent by performing authentication based on the authentication information of the customer and the agent and the stored biometric information in response to the request; Pre-registration authority determination processing for determining whether or not to perform pre-registration by determining presence / absence of authority regarding the pre-registration of the customer and the agent whose authenticity has been confirmed, and the agent whose authenticity has been confirmed of said requested determination processing including the determining authority judging processing based on the authorization whether the pre-registration of the determination result and the authorization information for executing a predetermined procedure, said agent by the determination process And a calculation unit for executing a business process which is determined to hold the authority of serial execution to handle operations related to the predetermined procedure that has been pre-registered, and the pre-registration permission judgment process, the customer The approval request for the pre-registration is transmitted to the customer terminal which is a terminal managed by the client, and the request for the authentication process related to the approval request transmitted from the customer terminal and the result of the approval or rejection for the approval request are received. And a process of determining whether or not to perform the pre-registration based on the authentication result for the received request for the authentication process and the approval or rejection result for the approval request .

Further, the procedure management method of the present invention includes authentication information including biometric information relating to a customer of a financial institution and a representative thereof, and information relating to authority of the customer and the agent to perform a predetermined process relating to a predetermined procedure in the financial institution. the information processing system comprising a storage device that stores the authority information is has received from the agent terminal in which the agent is managed, requesting pre-registration of predetermined procedures for customers, the agent serving executor of the predetermined procedure The customer and the agent in response to the request for execution of the predetermined procedure by performing authentication based on the authentication information of the customer and the agent and the stored biometric information. Authentication processing for confirming the authenticity of the agent and the authenticity of the agent, and determining whether the customer and the agent confirmed the authenticity have authority regarding the pre-registration. Pre registration authority determination process, the representatives of authenticity is confirmed, the authorization whether to execute the requested predetermined procedure the pre-registration of the determination result and to determine whether or not to perform pre-registration and A determination process including an authority determination process that is determined based on the authority information; and a process related to the predetermined procedure that is pre-registered by the determination process determining that the agent has the authority to execute The pre-registration authority determination process transmits the pre-registration approval request to a customer terminal that is a terminal managed by the customer, and the approval request transmitted from the customer terminal The authentication process request and the approval / rejection result for the approval request are received, based on the received authentication result for the authentication process request and the approval / rejection result for the approval request. , Characterized in that it comprises a process of determining whether or not to perform the pre-registration.

Claims (12)

A storage device that stores authentication information relating to customers of financial institutions and their agents, and authority information for predetermined processing relating to predetermined procedures at financial institutions;
Requester authentication information for each request received from a predetermined terminal, such as pre-registration of a predetermined procedure related to a customer, designation of an agent as an executor of the predetermined procedure, and execution of the predetermined procedure by the executor of the procedure And an authentication process based on the authentication information, a determination process of the presence / absence of the authority related to the request based on the authority information of the customer or the agent specified in the authentication process, and an authority retention in the customer or the agent in the determination process. A computing device that executes business processing corresponding to the identified request;
A procedure management system characterized by comprising: The storage device
It further stores information on the handling limit amount associated with the prescribed procedure at the financial institution regarding the customer of the financial institution and its agent,
The arithmetic unit is:
In the determination process, for each request, based on the authority information and the limit information of the customer or agent specified in the authentication process, a determination is made as to whether or not the request is authorized and whether or not the handling limit is properly combined. And
At the time of the business process, the business process corresponding to the request in which the determination of the authority retention and the handling limit conformity in the customer or the agent is specified in the determination process,
The procedure management system according to claim 1. The storage device
It further stores information on the feasibility period of the prescribed procedure at the financial institution regarding the customer of the financial institution and its agent,
The arithmetic unit is:
In the determination process, for each request, a determination is made as to whether or not the request is authorized and whether or not it is feasible based on the authorization information of the customer or agent identified in the authentication process and information on the executable period. And
At the time of the business processing, the business processing corresponding to the request in which the determination of the retention of authority in the customer or the agent and the feasible timing conformance are specified.
The procedure management system according to claim 1. The storage device
At least one of confirmation of consent to the customer or agent regarding the predetermined procedure, alert notification, and result report according to at least one of the amount of processing money in the predetermined procedure and the frequency of execution of the predetermined procedure Further storing a rule table that defines whether or not
The arithmetic unit is:
Corresponding to at least one of the consent confirmation, alert notification, and result report specifying necessity by comparing at least one of the processing amount and execution frequency information in the predetermined procedure indicated by each request with the rule table To perform further predetermined processing.
The procedure management system according to claim 1. The storage device
Of the account balance held by the customer at the financial institution, further stores information on the upper limit frame that can be processed by the predetermined procedure,
The arithmetic unit is:
In the determination process, for each request, based on the authority information of the customer or agent specified in the authentication process and the information on the upper limit frame, a determination is made as to whether or not the request is authorized and whether or not the upper limit frame is properly combined. ,
At the time of the business process, the business process corresponding to the request in which the determination of the authority retention and the upper limit limit conformance in the customer or the agent is specified,
The procedure management system according to claim 1. The arithmetic unit is:
Upon receiving each request of the pre-registration or the designation of the agent from a predetermined terminal, the personal image data directed to the agent is further received from the customer who executes the request, and the personal image data is stored in the storage device In response to a request for designation by the agent, the principal image data is transmitted to the terminal of the agent designated by the customer, and an agreement notice from the agent regarding the predetermined procedure is received. , Further executing a process of storing in a storage device information on a predetermined procedure related to the customer who is the target of the pre-registration,
The procedure management system according to claim 1. An information processing system including a storage device that stores authentication information related to a customer of a financial institution and an agent thereof and authority information for predetermined processing regarding a predetermined procedure in the financial institution,
About each request of pre-registration of a predetermined procedure relating to a customer received from a predetermined terminal, designation of an agent as an executor of the predetermined procedure, and execution of the predetermined procedure by the executor of the procedure,
Requester authentication information and authentication processing based on the authentication information;
A process for determining the presence or absence of authority related to the request based on the authority information of the customer or agent identified in the authentication process;
A business process corresponding to a request for which the determination of authority in the customer or the agent is specified in the determination process;
The procedure management method characterized by performing. The information processing system is
The storage device further stores information on a handling limit associated with a predetermined procedure at the financial institution regarding the customer of the financial institution and its agent,
In the determination process, for each request, based on the authority information and the limit information of the customer or agent specified in the authentication process, a determination is made as to whether or not the request is authorized and whether or not the handling limit is properly combined. And
At the time of the business process, the business process corresponding to the request for which the determination of the authority retention and the handling limit conformance in the customer or the agent is specified in the determination process is performed.
The procedure management method according to claim 7, wherein: The information processing system is
The storage device further stores information on a period during which the predetermined procedure can be executed at the financial institution regarding the customer of the financial institution and its agent,
In the determination process, for each request, a determination is made as to whether or not the request is authorized and whether or not it is feasible based on the authorization information of the customer or agent identified in the authentication process and information on the executable period. And
At the time of the business process, the business process corresponding to the request in which the determination of the authority retention and the feasible time adaptation in the customer or the agent is specified,
The procedure management method according to claim 7, wherein: The information processing system is
In the storage device, confirmation of consent to the customer or agent regarding the predetermined procedure, alert notification, and result according to at least one of the amount of processing money in the predetermined procedure and the frequency of execution of the predetermined procedure Further storing a rule table that defines the necessity of at least one of the reports;
Corresponding to at least one of the consent confirmation, alert notification, and result report specifying necessity by comparing at least one of the processing amount and execution frequency information in the predetermined procedure indicated by each request with the rule table To further execute a predetermined process,
The procedure management method according to claim 7, wherein: The information processing system is
In the storage device, out of the account balance held by the customer at the financial institution, further storing information on an upper limit frame that can be processed by the predetermined procedure,
In the determination process, for each request, based on the authority information of the customer or agent specified in the authentication process and the information on the upper limit frame, a determination is made as to whether or not the request is authorized and whether or not the upper limit frame is properly combined. ,
In the business process, to execute the business process corresponding to the request identified in the determination process the authority retention and upper limit frame conformity in the customer or the agent,
The procedure management method according to claim 7, wherein: The information processing system is
Upon receiving each request of the pre-registration or the designation of the agent from a predetermined terminal, the personal image data directed to the agent is further received from the customer who executes the request, and the personal image data is stored in the storage device In response to a request for designation by the agent, the principal image data is transmitted to the terminal of the agent designated by the customer, and an agreement notice from the agent regarding the predetermined procedure is received. , Further executing a process of storing in a storage device information on a predetermined procedure relating to the customer who is the object of the pre-registration;
The procedure management method according to claim 7, wherein:

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