WO2003044707A1

WO2003044707A1 - Account transaction notifying system

Info

Publication number: WO2003044707A1
Application number: PCT/JP2001/010177
Authority: WO
Inventors: James Jay Skinner
Original assignee: James Jay Skinner
Priority date: 2001-11-21
Filing date: 2001-11-21
Publication date: 2003-05-30
Also published as: AU2002224065A1

Abstract

An account transaction notifying system (700) comprises account information storage means (114) for storing therein information on the balance of a financial account, transaction information detecting means (710) for detecting a transaction, if made using a financial card, and/or extracting the contents of the transaction, transaction information transmitting means (122) for transmitting information on the transaction to a client, approval information accepting means (720) for accepting the approvability information, transaction execution control means (712) for controlling rewrite of the contents stored in the account information storage means (114), and approval information output means (724) for outputting the approvability information. The transaction execution control means (712) operates according to a signal outputted by the approval information accepting means (720).

Description

Description Account transaction notification system

〔Technical field〕

The present invention relates to a system for notifying financial institutions of information related to transactions in a financial account. In particular, the present invention relates to a system for notifying a customer of information on a transaction when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card. In addition, the present invention provides information on a transaction when a transaction such as payment, transfer, or withdrawal from a financial account such as a credit account, a debit account, a deposit account, or a securities account that reduces the balance of the financial account occurs. Related to the notification system.

(Background technology)

The automatic cash bowing I device disclosed in Japanese Patent Application Laid-Open No. H8-363665 requests the host computer for re-transaction information of the account after the mark setting position of the user information file by the history request means. The notified information is written in the information area, edited, and displayed by the output means.

With this automatic cash retrieval system I, users can check the details of the increase or decrease in accounts without checking the balance or entering a passbook.

Further, the automatic teller machine disclosed in Japanese Patent Application Laid-Open No. H10-107578 discloses a method of designating a transfer destination with an ID such as the Internet, transmitting the transfer destination to a financial institution to which the transfer is made, and The institution is configured to confirm the account name of the transferee using the ID and perform the transfer process. In the automatic bow picking I device, the operation of inputting the information of the transfer destination can be simplified. Furthermore, recently, telephone banking systems and in-house internet banking systems have been developed that allow users to know the latest account balance and the like when they need them, using telephone and Internet connection networks.

However, in the conventional automatic cash transaction apparatus, even if there is a transaction such as deposit, withdrawal, transfer, remittance, etc., at a financial institution, the user (user) changes the account information of the user (user). Alternatively, the latest account balance at that time could not be known unless the user went to the location of the terminal of the financial institution and performed the balance inquiry procedure to check the account balance.

Also, in the conventional automatic cash collecting device I, when the user checks the account balance by performing the balance inquiry procedure, a paper medium such as a passbook or a statement is required.

Also, in the conventional automated teller machine, even if the user checks the account balance by performing the balance inquiry procedure, the transaction date, transaction type (deposit, withdrawal), transaction Only predetermined information such as the counterparty and transaction amount could be known.

Also, in the conventional automatic cash collecting device I, even if the user checks the account balance by performing the balance inquiry procedure, the transaction for changing the account information can only be performed in accordance with the order in which the transaction occurred. I could not get the information.

In the case of telephone banking systems, etc., the user had to use a telephone or the like to check the account balance whenever necessary, inquiring about the account. Also, in the Internet banking system, etc., the user had to check the account balance by accessing the account whenever necessary using the in-home network.

It is an object of the present invention to provide a method for generating a transaction when a transaction occurs by using a financial card such as a credit card, a debit card, or a cash card, and / or It is an object of the present invention to provide a system that can automatically and electronically transmit information on the details of transactions to customers (users, users).

Another object of the present invention is to provide a system capable of transmitting information on the occurrence of a transaction and / or the details of the transaction to a customer without using a paper medium such as a passbook or a statement. It is in.

Further, another object of the present invention is to provide a system in which when a transaction occurs by using a financial card such as a credit card, a debit card, or a cash card, the user generates a tori I and / or performs a transaction. Even if you do not make inquiries about the contents of the transaction, or if the user does not access the account using Internet etc., the user will automatically generate a transaction, and Z or information on the contents of the transaction The purpose is to provide a system that can know

[Disclosure of the Invention]

The present invention relates to a system for notifying a financial institution of information relating to a transaction in a financial account, comprising: an account information storage means for storing information relating to the balance of a financial account; and a credit card, a debit card, a cash card, and the like. When a transaction occurs by using the financial force, when the transaction occurs, and / or the Torigi I information detecting means for detecting the content of the transaction; and A transaction information transmitting means for transmitting information on the occurrence of a transaction and / or the content of the transaction to a customer who is a user of the financial card; and when the transaction is a valid transaction based on a customer's instruction A customer who approves the transaction and / or does not approve the bow I if the transaction is an invalid bow I not based on the customer's instructions An approval information receiving means for accepting approval approval / disapproval information from the bank, and a control means for controlling a rewriting operation of the storage content of the account information storage means using the information on the contents of the transaction detected by the tori 1 information detecting means. Bow I execution control means Then, in the system of the present invention, the transaction execution control means is configured to operate based on a signal output from the approval information receiving means.

With this configuration, when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card, the transaction is generated and / or Information about the content can be communicated to customers.

Further, the present invention is a system for notifying information on transactions in a financial account at a financial institution, comprising: account information storage means for storing information on the balance of the financial account; a credit account, a debit account, a deposit account, and securities. A transaction to reduce the balance of the financial account, such as a payment, a transfer, a bow, etc. from a financial account such as an account; a transaction for detecting the occurrence of the transaction and / or the content of the transaction; Information detection means, Tori 1Transaction information transmission for transmitting information on the occurrence of the transaction detected by the information detection means and / or the contents of the transaction to a customer who is a user of the financial force Means; and if said bow I is a valid bow based on the customer's instructions, approve the transaction and / or said transaction is not based on the customer's instructions. If the transaction is valid I, the approval information receiving means for accepting the approval approval / disapproval information from the customer indicating that the transaction is not approved, and an account using the information on the contents of the transaction detected by the tori 1 information detecting means It is configured to include a bow I execution control means for controlling a rewriting operation of the storage content of the information storage means. Then, in the system of the present invention, the transaction execution control means is configured to operate based on a signal output from the approval information receiving means.

With such a configuration, when a transaction occurs such as a payment, transfer, or withdrawal from a financial account, such as a credit account, a debit account, a deposit account, or a securities account, a transaction that reduces the balance of the financial account, the customer approves the transaction. Based on the propriety information, information on the occurrence and / or occurrence of the transaction or the details of the transaction can be transmitted to the customer. Further, the system of the present invention further comprises: transaction information receiving means for electronically accepting information on the occurrence of the transaction and / or the content of the transaction transmitted from the transaction information transmitting means; and transaction information receiving means. Transaction information output means for outputting information on the occurrence of the transaction and / or the content of the transaction accepted by the customer, and, when the transaction I is a valid transaction based on a customer's instruction, the transaction Approval information transmission for approving and / or transmitting customer approval approval / disapproval information to the approval information receiving means not to approve the transaction when the transaction is an invalid transaction not based on the customer's instruction. Means.

Further, in the system of the present invention, it is preferable that the transaction information output means is configured to be able to output information on the occurrence of the transaction and Z or the content of the transaction by voice.

Further, in the system of the present invention, it is preferable that information on the occurrence of the transaction and Z or the content of the transaction be transmitted by e-mail.

Further, in the system of the present invention, it is preferable that the information on the occurrence of the transaction and / or the content of the transaction is configured to be posted on an in-net site. With this configuration, information on the occurrence of a transaction and / or the content of the transaction can be electronically and automatically transmitted to the customer without using a paper medium such as a passbook or a statement. it can.

Further, in the system of the present invention, when the approval information accepting unit receives the approval approval / disapproval information from the customer to approve the transaction, the tori 1 execution control unit relates to the contents of the transaction detected by the transaction information detecting unit. The rewriting operation of the contents of the account information storage means is executed using the information, and when the approval information receiving means receives the approval approval / disapproval information from the customer indicating that the transaction is not approved, the transaction execution control means includes the account information storage means. It is preferable not to execute the operation of rewriting the stored contents.

With this configuration, the balance of the financial account can be It is possible to control the execution of the rewriting operation of the storage content of the information to be performed.

Further, in the system of the present invention, after the transaction information transmitting means transmits the transaction information relating to the occurrence of the transaction and / or the contents of the transaction to the customer, the approval information receiving means receives the approval / disapproval information from the customer. Further comprising an approval time control means for measuring the approval time of the transaction, wherein the approval time control means outputs to the transaction execution control means a signal regarding the acceptance of the approval / disapproval information from the customer within a predetermined approval time. Preferably, the line control means is configured to execute an operation of rewriting the storage content of the account information storage means using the information on the content of the transaction detected by the transaction information detection means.

Further, in the system of the present invention, after the transaction information transmitting means transmits the transaction information relating to the occurrence of the transaction and / or the contents of the transaction to the customer, the approval information receiving means receives the approval / disapproval information from the customer. If the approval time control means does not output to the transaction execution control means a signal that the approval time information has been received from the customer within the predetermined approval time, the transaction is performed when the approval time control means for measuring the approval time until The execution control means may be configured not to execute the operation of rewriting the contents stored in the account information storage means.

With this configuration, the approval time until the approval / non-approval information is received from the customer is measured, and information on the occurrence of the transaction and / or the content of the transaction is obtained based on the result of the acceptance of the approval / non-approval information from the customer within the approval time. In addition, it can be transmitted electronically and automatically to the customer, and can control the execution of the operation of rewriting the storage contents of the information regarding the balance of the financial account.

Further, the system according to the present invention may further comprise: a transaction threshold value setting means for setting a threshold value for the transaction information relating to the content of the transaction; generating the transaction based on the threshold value; and / or The system further includes transaction information control means for controlling transmission of the bow I information on the contents of the transaction, and Preferably, it is configured to operate on a signal.

With this configuration, information on the occurrence of a transaction and / or the content of a transaction can be transmitted to customers electronically and automatically based on a set threshold value, and It is possible to control the execution of the rewriting operation of the storage content of the information on the balance.

Further, in the system of the present invention, the contents of the transaction detected by the bow I information detecting means include customer specifying information for specifying a customer, and based on the customer specifying information output by the transaction information detecting means. The system further comprises customer authentication means for authenticating the customer, and when the customer authentication means has authenticated the customer, the tori I execution control means uses the information on the contents of the transaction detected by the transaction information detection means. When the rewriting operation of the storage contents of the account information storage means is performed and the customer authentication means does not authenticate the customer, the bowing I execution control means is configured not to execute the rewriting operation of the storage contents of the account information storage means. Is preferred.

Further, in the system of the present invention, it is preferable that the customer identification information includes a password of the customer and / or information on the ecological characteristics of the customer.

With this configuration, it is possible to control the execution of the rewriting operation of the storage content of the information on the balance of the financial account based on the authentication result of the customer.

Further, it is preferable that the system of the present invention further includes an approval information output unit for outputting the approval / disapproval information from the customer accepted by the approval information receiving unit.

With this configuration, the approval / disapproval information from the customer can be output to an external organization. According to the system of the present invention, when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card, information regarding the occurrence of the transaction and / or the contents of the transaction is electronically and automatically transmitted. Can be communicated to customers (users, users).

In addition, by using the system of the present invention, a paper medium such as a passbook or a calculation Without the need to communicate to the customer information about the occurrence of the transaction and / or the nature of the transaction.

Further, according to the system of the present invention, when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card, the user makes an inquiry regarding the occurrence of the transaction and / or the content of the transaction. Even without it, or even if the user does not access the account using the Internet or the like, the user can automatically know the information on the occurrence of the transaction and / or the content of the transaction.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of the first embodiment of the account transaction notification system of the present invention.

FIG. 2 is an external view showing a specific configuration of the first embodiment of the account transaction notification system of the present invention.

FIG. 3 is an external view showing a specific configuration of the second embodiment of the account transaction notification system of the present invention.

FIG. 4 is an external view showing a specific configuration of the third embodiment of the account transaction notification system of the present invention.

FIG. 5 is an external view showing a specific configuration of the fourth embodiment of the account transaction notification system of the present invention.

FIG. 6 is a block diagram showing the configuration of the fifth embodiment of the account transaction notification system of the present invention. [Best mode for carrying out the invention]

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

(1) First embodiment of an account bow I notification system of the present invention

(1-υ Configuration

Referring to FIG. 1, in the first embodiment of the account transaction notification system of the present invention, a financial institution includes a financial institution system 700 for managing account transactions. The financial institution system 700 is composed of a deposit information control means 110, a disbursement information control means 112, an account information storage means 114, a transaction information transfer means 122, and a tori I information Detection means 7 10, transaction execution control means 7 1 2, approval time control means 7 18, approval information receiving means 7 20, customer authentication means 7 2 2, approval information output means 7 2 4 And The financial institution system 700 encompasses banks, credit companies, cooperatives, pension companies, post offices, securities companies, and others.

External organizations are composed of the first external organization, the second external organization, the third external organization, ..., the third external organization, and so on. Each external institution has an external institution system 150 for managing transactions with financial institutions. External institutions include individuals, organizations, corporations, and the like, including, for example, banks, credit companies, cooperatives, pension companies, post offices, securities companies, tax offices, sales companies, leasing companies, and the like. For simplicity, Figure 1 shows only the first external institution system and the third external institution system.

The financial institution system 700 can perform transactions such as deposit, withdrawal, transfer, and remittance to a plurality of external institution systems 150.

Each of the external institution systems 150 includes an account transaction control means 154, an account transaction storage means 156, an approval information receiving unit 158, and an approval information output unit 159. The account transaction control means 154 controls transactions such as depositing, receiving, transferring, and remittance performed to the financial institution system 700 via the external institution system 150. Account transaction storage means 1 5 6 operates account transaction control means 1 5 4 In this way, the contents of the transaction made are stored.

Financial institutions have multiple customers. Customers are composed of first customer, second customer, third customer, ..., Nth customer, etc. Customers include individuals, organizations, legal entities, and so on. Each customer has a financial account in the financial institution system 700. Each customer has a customer system 760 for managing transactions with financial institutions. The customer system 760 includes a terminal device 762. To simplify the explanation, FIG. 1 shows only the first customer system and the Nth customer system.

The deposit information control means 110 receives information on transactions from the external institution system 150 when the deposit taking bow I occurs by using a financial card such as a credit card, a debit card, a cash card, and the like. It is configured to output the transaction content as payment information to the Tori I information detection means 7 10.

The withdrawal information control means 1 1 2, when a withdrawal bow I caused by using a financial card such as a credit card, debit card, cash card, etc., receives information on transactions from the external institution system 150. It is configured to accept and output the transaction contents as transaction information to the transaction information detecting means 7100 and the external organization system 150.

As a variant, the withdrawal information control means 1 1 2 may be configured to execute a transaction such as a credit account, a debit account, a deposit account, or a securities account, which reduces the balance of the financial account, such as payment, transfer, or withdrawal. When this occurs, it is also possible to adopt a configuration in which information on the transaction is accepted from the external institution system 150 and the transaction content for reducing the balance of the financial account is output to the transaction information detecting means 7100.

The account information storage means 114 can store information on the balance of the financial account provided in the financial institution system 700 and information on the transaction.

Tori I information detecting means 7100 is provided when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card. And / or configured to detect the content of the transaction. In other words, when the customer needs to change the account information on the financial account set up in the financial institution system 700 using the financial card, the It is configured to detect the occurrence and / or content of the transaction.

The transaction execution control means 7 1 2 is configured to control the rewriting operation of the storage contents of the account information storage means 1 14 using information on the contents of the transaction detected by the transaction information detection means 7 10. .

As a modified example, the transaction information detecting means 71 1◦ is used when a transaction such as a credit account, a debit account, a savings account, or a securities account that reduces the balance of the financial account, such as payment, transfer, or withdrawal, occurs. , The occurrence of the transaction, and / or the content of the transaction may be detected.

The approval information receiving means 720 approves the transaction when the transaction is a valid transaction based on the customer's instruction, and / or when the transaction is an invalid transaction not based on the customer's instruction. It is configured to accept the approval / disapproval information from the customer not approving the transaction.

Then, the transaction execution control means 7 12 is configured to operate based on the signal output by the approval information receiving means 7 20. In this case, when the approval information receiving means 720 receives the approval approval / disapproval information from the customer to approve the transaction, the transaction execution control means 71 2 detects the transaction information detecting means 7 10 The rewriting operation of the storage contents of the account information storage means 114 is executed by using the information on the contents of the transaction, and the approval information receiving means 720 accepts the approval approval / disapproval information from the customer indicating that the transaction is not approved. In this case, the transaction execution control means 7 12 is configured not to execute the operation of rewriting the storage contents of the account information storage means 114.

The transaction information transmission means 1 2 2 transmits the information on the occurrence of the transaction detected by the Tori I information detection means 7 10 and / or the contents of the transaction electronically and automatically to the customer system 7. It is configured to be transmitted to the terminal device 762 of 60.

The approval information output means 724 is provided to output the approval approval / disapproval information from the customer accepted by the approval information receiving means 720 to the external organization system 150.

The approval information receiving unit 158 of the external organization system 150 is configured to receive the approval / disapproval information from the customer from the approval information output means 724. The approval information output unit 159 of the external institution system 150 is configured to output approval / disapproval information from the customer. The approval information output unit 159 includes, for example, a printer and a display device.

With this configuration, the approval / disapproval information from the customer can be output to the external institution system 150 and the content can be confirmed.

After the financial information system 700 transmits the transaction information relating to the occurrence of the transaction and / or the transaction information relating to the contents of the transaction to the customer, the approval information receiving means 720 It is preferable that an approval time control means 718 for measuring an approval time until acceptance of approval approval / disapproval information is further provided. In this configuration, when the approval time control means 7 18 outputs to the bow I execution control means 7 12 a signal relating to the acceptance of the approval / disapproval information from the customer within a predetermined approval time, the transaction execution control means 7 1 2 is configured to execute an operation of rewriting the storage contents of the account information storage means 114 using information on the contents of the transaction detected by the bow I information detection means 7 10. The predetermined approval time is, for example, 1 hour, 12 hours, 24 hours, or the like.

As a modified example, if the approval time control means 7 18 does not output a signal indicating that the approval approval / disapproval information has been received from the customer within the predetermined approval time to the transaction execution control means 7 12, the transaction execution control means 7 1 2 can be configured not to execute the rewriting operation of the storage contents of the account information storage means 114. The predetermined approval time is, for example, 1 hour, 12 hours, 24 hours, or the like.

The financial institution system 700 preferably further comprises a customer authentication means 7 222 c The contents of the transaction detected by the transaction information detecting means 710 are configured to include customer identification information for identifying a customer. Then, the customer authentication means 7 22 is configured to authenticate the customer based on the customer identification information output by the transaction information detection means 7 10. In this configuration, when the customer authentication means 7 2 2 authenticates the customer, the transaction execution control means 7 12 uses the information on the contents of the transaction detected by the tori 1 information detection means 7 10 When the rewriting operation of the storage contents of the information storage means 114 is executed, and the customer authentication means 722 does not authenticate the customer, the transaction execution control means 712 executes the storage contents of the account information storage means 114. Is not executed.

The customer-specific information may include the customer's personal identification number and / or information about the customer's ecological characteristics. Information about the customer's ecological characteristics includes face shape (facial appearance), iris (iris), voiceprint, fingerprint, and so on.

Generally, a communication system 170 is provided for transmitting various kinds of information including audio information, image information, text information, and the like. Here, the communication system 170 is a wired telephone system, a wireless telephone system, a mobile telephone system, a network system such as an in-home network, a wireless television system, a cable television system, a two-way television system, an ISD Ns LANS This is a concept that includes optical fiber network systems.

The terminal device 762 of each customer system 760 stores information on the occurrence of the bow bow I from the transaction information transmitting means 122 via the communication system 170 and information on Z or the transaction content. A transaction information receiving means 166 for accepting electronically and a bow I information output means 168 for outputting information on the transaction accepted by the transaction information receiving means 166 are provided. Therefore, information on the transaction is configured to be transmitted electronically and automatically from the transaction information transmission means 122 to the terminal device 762 of the customer system 760 via the communication system 170. You.

Further, each customer system 760 terminal device 762 is provided with To approve the transaction if it is a valid transaction under, and / or to enter customer approval / disapproval information not to approve the transaction if the transaction is an invalid transaction not based on the customer's instructions. And an approval information transmitting means 768 for transmitting the approval information to the approval information receiving means 720. In this configuration, the approval / disapproval information is transferred from the approval information transmitting means 768 of the terminal device 762 of the customer system 760 to the transaction information receiving means of the financial institution system 700 via the communication system 170. It is configured to be transmitted to 720.

Referring to FIG. 2, in the first embodiment of the account transaction notification system according to the present invention, each external institution system 150 includes a computer, a storage device, an input device, and an output device (printing device, display device). ), Terminal equipment (personal computer, keyboard, power reader, etc.) (none of which are shown).

The financial institution system 700 includes a computer 130, a storage device 132, a terminal device 134, an output device 136, and a telephone 138. For example, the storage device 132 is formed of a magnetic disk, a magnetic tape, an optical disk, or the like, or an appropriate combination thereof. The terminal device 134 includes, for example, a personal computer, a keyboard, a card reader, and the like. The output device 136 is composed of, for example, a printer and a display device. The telephone set 138 is configured by, for example, any of a normal wired telephone, a mobile phone, a digital mobile phone, and the like.

In this configuration, the deposit information control means 110, the withdrawal information control means 112, the transaction information transmission means 122, the Tori I information detection means 710, and the transaction execution control means 712 The approval time control means 7 18, the approval information receiving means 7 220, the customer authentication means 7 22, and the approval information output means 7 24 are preferably provided in the computer 130 as computer software. . That is, payment information control means 110, withdrawal information control means 112, transaction information transmission means 122, transaction information detection means 710, transaction execution control means 712, approval Time control means 7 18, approval information receiving means 7 20, The customer authentication means 7 22 and the approval information output means 7 2 4 are used as computer software, and the computer 130 creates the respective operation contents and operation procedures in a program. It is better to install it. The account information storage means 114 may be provided in the storage device 132.

The financial institution system 700 and the respective external institution systems 150 are configured to be able to exchange information regarding transactions via a wired communication system or a wireless communication system. For example, the financial institution system 700 and its external institution system 150 are preferably connected by any one of LAN, ISDN, fiber optic network system, etc., or an appropriate combination thereof.

Referring to FIG. 2, when the transaction information transmitting means 1 2 2 is constituted by a wired telephone or a wireless telephone, the communication system 170 includes a central office system 17 2 such as a telephone exchange and a mobile communication exchange 1 7 4. , Including base station systems 1-6 such as telephone exchanges.

Each customer 760 system's terminal device 762 is a mobile phone 746 or other digital wireless communication device (for example, a digital mobile phone, a digital mobile wireless device, etc.). . The transaction information output means 168 is a display unit provided on the mobile phone 746, a speaker provided on the mobile phone 746, a buzzer provided on the mobile phone 746 (pronunciation type, vibration type, etc.). Or, it is composed of a printer connected to the portable telephone 746 as an external device. The authorization information input means 766 may be a switch (such as a button switch) provided on the mobile phone 746, a key (such as a numeric keypad), or a keyboard connected to the mobile phone 746 as an external device. Be composed.

(1-2) action

Referring to FIG. 1 and FIG. 2, in the first embodiment of the account transaction notification system of the present invention, when a deposit transaction occurs by using a financial card such as a credit card, a debit card, and a cash card, the deposit information The control means 1 1 0 It accepts information about the transaction from the external institution system 150 and outputs the transaction content to the Tori I information detection means 7100 as payment information. When a withdrawal transaction occurs using a financial card such as a credit card, a debit card, or a cash card, the withdrawal information control means 112 sends information on the transaction from the external organization system 150. Upon receipt, the transaction contents are output as withdrawal information to the Tori I information detection means 7100 and the external organization system 150.

The account information storage means 114 stores information relating to the balance of a financial account provided in the financial institution system 700 and information relating to transactions.

The transaction information detecting means 710 detects the occurrence of the tori I and the Z or the content of the transaction when a transaction occurs by using a financial card such as a credit card, a debit card, a cash card. I do. The transaction execution control means 7 12 controls the rewriting operation of the contents stored in the account information storage means 114 using the information on the contents of the transaction detected by the transaction information detecting means 7 10.

In a modified example, the Tori I information detecting means 7100 is a transaction that reduces the balance of a financial account such as a payment, transfer, or withdrawal from a financial account such as a credit account, a debit account, a deposit account, or a securities account. When the transaction occurs, the occurrence of the transaction and the content of the transaction are detected.

The customer approves the transaction if the transaction is a valid transaction based on the customer's instructions, and Z or the customer's disapproval of the transaction if the transaction is an invalid transaction not based on the customer's instructions. Input approval / disapproval information from the terminal device 762. This approval / disapproval information is transmitted from the approval information transmitting means 756 of the customer system 760 via the approval information transmitting means 756 of the financial institution system 700 via the communication system 170. Transmitted to 0.

The approval information receiving means 720 may approve the transaction if it is a valid transaction based on the customer's instructions, and / or may be an invalid transaction where the transaction is not based on the customer's instructions. In some cases, accept approval / disapproval information from a customer not accepting the transaction. If the approval information accepting means 720 accepts the approval approval / disapproval information from the customer to approve the transaction, the transaction execution control means 7122 returns to the tori I information detecting means 7110 for the transaction detected. The rewriting operation of the storage contents of the account information storage means 114 is executed using the information on the contents. On the other hand, if the approval information accepting means 720 accepts the approval / disapproval information from the customer indicating that the transaction is not approved, the transaction execution control means 7122 executes the rewriting operation of the contents stored in the account information storage means 114. Do not execute.

The approval information output means 724 outputs the approval approval / disapproval information from the customer accepted by the approval information receiving means 720 to the external organization system 150.

Further, the customer authentication means 7 222 of the financial institution system 700 authenticates the customer based on the customer identification information output from the transaction information detecting means 7 10. In this configuration, when the customer authentication unit 7 2 2 authenticates the customer, the transaction execution control unit 7 12 uses the information on the contents of the transaction detected by the transaction information detection unit 7 10 to store the account information. If the customer's authentication means 7 2 2 does not authenticate the customer by executing the rewriting operation of the storage contents of 1 14, the transaction execution control means 7 1 2 rewrites the storage contents of the account information storage means 1 1 4 Do not perform the action.

With this configuration, only when the customer is authenticated, the rewriting operation of the storage contents of the account information storage means 114 is performed, so that the customer can be mistaken and the malfunction of the system can be prevented.

The Tori I information transmission means 122 sends the information on the contents of the transaction detected by the transaction information detection means 110 electronically and automatically to the customer system 76 via the communication system 170. 0 is transmitted to the mobile phone 7 6 4. The mobile phone 764 electronically receives information on the transaction from the transaction information communication means 122 and displays the information on the transaction on the display unit of the mobile phone 764.

With this configuration, credit cards, debit cards, and cash cards When a transaction occurs using such a financial card, the user does not need to make an inquiry regarding the occurrence of the transaction and / or the details of the transaction, or the user accesses the account using the Internet or the like. Users can automatically get information about the occurrence of a transaction, and Z or transaction details, even without

As a modified example, the mobile phone 764 can be configured to notify the customer that the information regarding the transaction has been received by a speaker or a puzzer when the information regarding the transaction is received.

(2) Second embodiment of the account transaction notification system of the present invention

Next, a second embodiment of the account transaction notification system of the present invention will be described. The following description mainly describes points that the configuration and operation of the second embodiment of the account transaction notification system of the present invention are different from the configuration and operation of the first embodiment of the account transaction notification system of the present invention. Therefore, the description of the above-described first embodiment of the account transaction notification system of the present invention applies mutatis mutandis to places not described below. Referring to FIG. 3, in the second form of the account transaction notification system according to the present invention, the financial institution system 732 includes a computer 130, a storage device 132, and a terminal device 134. , An output device 136, and a terminal adapter 238 connected to the computer 130 (for 1 SDN) (or a modem for a telephone line). Information about the transaction is communicated by email. That is, information about the transaction is transmitted to the customer system 762 by e-mail via the network 272 such as the Internet.

As a variant, e-mail can be sent via any of the following: a wired telephone system, a wireless telephone system, a mobile phone system, a wireless television system, a wired television system, an interactive television system, an ISDs LANS fiber optic network system, etc. It can also be configured to be communicated to the customer system 762.

The terminal device 262 of the customer system 762 is a personal convenience store 264, Printer 266 connected to personal computer 264 and terminal adapter 268 connected to personal computer 264 (for ISDN) (or modem for telephone line) And In this configuration, the transaction information output means 168 and the approval information input means 766 are composed of a personal computer 264.

With this configuration, the information on the transaction can be transmitted electronically and automatically from the electronic product communication means 122 via the network 272 to the personal computer of the customer system 760. 2 6 4 can be transmitted. The personal computer 264 accepts the information on the transaction electronically, displays the information on the transaction on the display device of the personal computer 264, and prints the information on the transaction by the printer if necessary. I do.

As a modification, when the personal computer 264 receives the information on the transaction, the personal computer 264 accepts the information on the transaction through the speaker of the personal computer 264 or the buzzer of the personal computer 264. Can be configured to inform the customer.

The customer also approves the transaction if it is a valid transaction based on the customer's instructions and / or does not approve the transaction if the transaction is an invalid transaction not based on the customer's instructions. Is input to the personal computer 26 4. The approval / disapproval information is transmitted electronically and automatically from the personal information system of the customer system 760 via electronic mail via the network 272 from the approval information transmitting means 768 of the financial system. It is transmitted to the transaction information receiving means 720 of the computer 130 of 32.

(3) Third embodiment of the account transaction notification system of the present invention

Next, a third embodiment of the account transaction notification system of the present invention will be described. The following description is based on the configuration and the configuration of the third embodiment of the account transaction notification system of the present invention. The point that the operation is different from the configuration and operation of the first embodiment of the account transaction notification system of the present invention will be mainly described. Therefore, the description of the above-described first embodiment of the account transaction notification system of the present invention applies mutatis mutandis to places not described below. Referring to FIG. 4, in the third embodiment of the account transaction notification system according to the present invention, the financial institution system 734 includes a computer 130, a storage device 132, and a terminal device 134. And an output device 13 6 and a telephone 3 38. That is, in this configuration, the bow 1 information transmission means 1 2 2 can be configured by a wired telephone or a wireless telephone 3 38 o

The communication system 170 includes a telephone station system 372 such as a telephone exchange, and a relay station system 374, 376, 378, etc. such as a telephone exchange.

The terminal device 3 6 2 of the customer system 7 6 4 is a personal computer 3 6 4, a printer 3 6 6 connected to the personal computer 3 6 4, and a telephone 3 6 connected to the personal computer 3 6 4 8 is provided. In this configuration, the transaction information output means 168 is composed of a personal computer 364.

With this configuration, information on a transaction can be transmitted electronically and automatically to the customer system 764 using the telephone 368 via the communication system 170.

The personal computer 364 accepts the information regarding the transaction electronically, displays the information on the display of the personal computer 364, and prints the information regarding the transaction using the printer 366 if necessary.

As a modified example, the personal computer 364 can be configured to notify the customer that the information regarding the transaction has been received by a speaker or a buzzer when receiving the information regarding the transaction.

The customer may also approve the transaction if it is a valid transaction based on the customer's instructions and / or if the transaction is an invalid transaction not based on the customer's instructions. Is entered into the personal computer 364. This approval / disapproval information is transmitted from the approval information transmission means 764 of the personal computer 364 of the customer system 764 to the telephone office system 37.2 and the relay station system 37.4, 376, 3778. Financial institution system through 7 3 4 computers 1

30 Bow tori I Information receiving means is transmitted to 720.

(4) Fourth embodiment of the account transaction notification system of the present invention

Next, a fourth embodiment of the account transaction notification system of the present invention will be described. The following description mainly focuses on the point that the configuration and operation of the fourth embodiment of the account transaction notification system of the present invention are different from those of the first embodiment of the account transaction notification system of the present invention. State. Therefore, the description of the above-described first embodiment of the account transaction notification system of the present invention applies mutatis mutandis to places not described below. Referring to FIG. 5, in the fourth embodiment of the account transaction notification system according to the present invention, the financial institution system 736 includes a computer 130, a storage device 132, and a terminal device 134. And an output device 1336 and an interactive television device 438. That is, in this configuration, the transaction information transmitting means 122 is composed of an interactive television device 438.

The communication system 170 is a television station system 472 including a generator, a converter, a storage, a receiver, a transmitter, and the like for audio information, image information, text information, and the like provided in a television station of an interactive television. including.

The terminal device 462 of the customer system 766 operates the interactive television device 466, the printer 466 connected to the interactive television device 466, and the operation of the interactive television device 466. Remote control device for controlling and inputting data to interactive television device 4 6 4

4 7 8 is provided. The remote controller 4 7 8 should have a key for inputting data, a liquid crystal display for displaying data, and a speaker or buzzer for notifying the customer when information is received. It is good to constitute. this In the configuration, the transaction information output means 168 is composed of an interactive television device 646. Signals such as audio information, image information, and text information from the TV station system 472 are transmitted to the financial institution system 736 and the customer system 766 via LANs ISD N. Optical fiber cable. . Signals such as voice spear report and image information from the customer system 766 are transmitted to the TV station system 472 via LANs ISDN, optical fiber cable, etc. Signals such as voice information 'image information' and text information from the financial institution system 736 are transmitted to the television station system 472 via LAN, ISDN, optical fiber-cable or the like.

With this configuration, information on the transaction can be transmitted electronically and automatically from the transaction information transmitting means 122 via the television station system 472 to the customer system 7.

6 can be transmitted to 6.

The two-way television device 4 6 4 is used to transmit the transaction information

72 Electronically accepts information about the transaction transmitted through 2 and displays the information about the transaction on the display of the interactive television set 464, and, if necessary, prints the information about the transaction to the printer. 4 6 Print using 6. By operating the remote control device 478, the customer can control the operation of the interactive television device 464, and can input necessary data to the interactive television device 464. it can.

As a modification, it is preferable that the interactive television apparatus 464 be configured to notify the customer that the information regarding the transaction has been received by a speaker or a buzzer when the information regarding the transaction is received.

The customer also approves the transaction if it is a valid transaction based on the customer's instructions and / or does not approve the transaction if the transaction is an invalid transaction not based on the customer's instructions. Is input to the personal computer 464 by the remote controller 4778. The approval / disapproval information is transmitted from the personal information transmission system 764 of the customer system 764 to the television station system 664. The information is transmitted to the transaction information receiving means 720 of the computer 130 of the financial institution system 736 via the system 472.

(5) Fifth Embodiment of Account Transaction Notification System of the Present Invention

Next, a fifth embodiment of the account transaction notification system of the present invention will be described. '' The following description mainly describes that the configuration and operation of the fifth embodiment of the account transaction notification system of the present invention are different from those of the first embodiment of the account transaction notification system of the present invention. . Therefore, the description of the above-described first embodiment of the account transaction notification system of the present invention applies mutatis mutandis to places not described below. Referring to FIG. 6, in a fifth embodiment of the account transaction notification system according to the present invention, the financial institution system 770 includes payment information control means 110, payment information control means 112, Account information storage means 1 1 4, transaction information transmission means 1 2 2, Tori I information detection means 7 110, transaction execution control means 7 1 2, approval time control means 7 1 8, approval information It has a receiving means 720, a customer authentication means 722, and an approval information output means 724.

The financial institution system 770 further sets a threshold value for information relating to the occurrence of the transaction and / or the content of the transaction, and outputs the threshold value to the transaction execution control means 7 12 Threshold value setting means 774 for receiving the signal output by the bowing 1 information detecting means 7110 based on the threshold value, and setting the threshold value set by the transaction threshold value setting means 774. A transaction information control means 772 for controlling the occurrence of a transaction and / or the transmission of information on the content of the transaction based on the threshold value.

That is, the financial institution system 7700 is configured so that a threshold value can be set for information on the occurrence of a transaction and / or the content of the transaction. The tori I execution control means 7 1 2 is based on the threshold value set by the transaction threshold value setting means 7 7 4 for the information on the occurrence of the transaction and / or the content of the transaction. In response to the signal output by 7 10, the account information storage means 1 14 It is configured to control the content rewriting operation.

The transaction information control means 7 72, based on the threshold value set by the transaction threshold value setting means 7 7 4 for the information on the occurrence of the transaction and / or the content of the transaction, In response to the signal output by 10, information on the occurrence of a transaction and / or the content of the transaction is output to the bow I information transmission means 122. '

The transaction information transmission means 1 2 2 can automatically and electronically transmit information on the occurrence of transactions and / or the contents of the transactions output by the transaction information control means 7 7 2 6 to be transmitted to 2.

The threshold value may be, for example, the type of transaction (payment, deposit, etc.), the value of the money amount (10,000 yen, 100,000 yen, 100,000 yen, 1,000,000 yen, etc.) Type of institution (bank, credit company, cooperative, pension business, post office, securities company, tax office, sales company, leasing company, etc.), date of transaction (10th, 15th) , Last day). For example, if a threshold is set only for “payment” for the type of transaction, the transaction information control means 772 will only provide information on the occurrence of the transaction and / or the content of the transaction only when a payment occurs. The Tori I information transmission means 1 2 2 is output, and the transaction information transmission means 1 2 2 transmits the information electronically and automatically to the terminal device 7 62 of the customer system 760. Be composed.

Alternatively, if a threshold value is set at “100,000 yen” for the value of the transaction amount, the Tori I information control means 772 will generate a transaction only when a transaction exceeding 100,000 yen occurs. , And / or outputs information related to the contents of the transaction to the bow I information transmitting means 122, and the transaction information transmitting means 122 electronically and automatically transmits the information to the customer system 760. It is configured to transmit to the terminal device 762.

For example, if the threshold is set only for "bank" for the type of counterparty, Tori 1 information control means 7 7 2 generates Tori I only when Tori I with the bank occurs , And / or information about the content of the transaction is output to the transaction information transmission means 1 2 2 The information transmission means 122 is configured to electronically and automatically transmit the information to the terminal device 762 of the customer system 760.

With this configuration, when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card, the user can automatically generate a transaction and / or only for a predetermined specific transaction. You can get information about the details of the transaction.

As a modified example, when a threshold value is set to “100,000 yen” for the value of the transaction amount, when a transaction exceeding 100,000 yen occurs, the transaction execution control means 7 1 2 The account information storage means 114 stops the rewriting operation of the storage contents, and at the same time, the transaction information control means 77 72 retrieves information on the occurrence of the transaction and / or the contents of the transaction. 1 to 2 and the tori I information transmission means 1 2 2 may be configured to electronically and automatically transmit the information to the terminal device 762 of the customer system 760 .

With this configuration, when a transaction occurs by using a financial card such as a credit card, a debit card, or a cash card, the operation of rewriting the contents stored in the account information storage means 114 under a predetermined condition is performed. At the same time, the user can automatically get information about the occurrence of the transaction and / or the content of the transaction.

In the fifth embodiment of the account transaction notification system of the present invention, the communication system 170 and the Tori I information transmission means 122 are the same as those of the first embodiment of the account transaction notification system of the invention. The offset configuration of the fourth embodiment can also be applied. In other words, the communication system 170 is a wired telephone system, a wireless telephone system, a mobile telephone system, a network system such as an in-net network, a wireless television system, a wired television system, an interactive television system, an ISDN, a LAN, an optical system. A fiber network system or any suitable combination of these. Is done. The transaction information transmitting means 122 is composed of any of a mobile phone, a wired phone or a wireless phone, another digital wireless communication device, an interactive television device, and the like.

Alternatively, information on the occurrence of the transaction and / or the content of the transaction is configured to be electronically and automatically transmitted to the customer by electronic mail from the transaction information transmission means 122 via a network. .

With this configuration, information on the transaction can be efficiently transmitted.

[Industrial applicability]

According to the system of the present invention, when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card, information on the transaction can be notified to the customer.

Further, according to the system of the present invention, when a transaction occurs such as a payment, a transfer, or a decrease in the balance of the financial account, such as a transfer from a financial account, such as a credit account, a debit account, a deposit account, or a securities account, the bow I. Information about the transaction can be notified to the customer.

Claims

The scope of the claims

1. A system for notifying financial institutions of information related to transactions in financial accounts,

Account information storage means for storing information about the balance of the financial account;

Transaction information detecting means for detecting the occurrence of the transaction and / or the content of the transaction when a transaction occurs using a financial card such as a credit card, a debit card, a cash card,

Torig I information transmitting means for transmitting information on the occurrence of the transaction detected by the transaction information detecting means, and / or the contents of the transaction to a customer who is a user of the financial card,

Approve the transaction if the transaction is a valid transaction based on the customer's instructions; and / or approve the transaction if the transaction is an invalid transaction not based on the customer's instructions. Approval information accepting means for accepting approval approval / disapproval information from the customer not to

Transaction execution control means for controlling an operation of rewriting the storage content of the account information storage means using information on the content of the transaction detected by the transaction information detection means,

The system according to claim 1, wherein the transaction execution control means operates based on a signal output from the approval information receiving means.

2. A system for notifying financial institutions of information related to transactions in a financial account,

Support from financial accounts such as credit, debit, deposit, and securities accounts When a transaction, such as kim, transfer, bow, etc., that reduces the balance of the financial account occurs, a means for detecting the occurrence of the transaction and / or the content of the transaction is detected. When,

Torig I information transmitting means for transmitting information on the occurrence of the transaction detected by the Tori I information detecting means, and / or the details of the transaction to a customer who is a user of the financial card,

Approve the transaction if the transaction is a valid bow I based on the customer's instructions; and / or approve the transaction if the transaction is an invalid transaction not based on the customer's instructions. Approval information accepting means for accepting approval approval / disapproval information from the customer not to

Transaction execution control means for controlling an operation of rewriting the storage content of the account information storage means using information on the content of the transaction detected by the bow detection information detection means,

3. The system according to claim 1 or 2, further comprising:

A bow I information receiving means for electronically receiving information on the occurrence of the transaction transmitted from the transaction information transmitting means, and / or the content of the transaction,

Bowing I information output means for outputting information on the occurrence of the transaction and / or the contents of the transaction accepted by the bowing I information receiving means, and / or

Approving the transaction if it is a valid transaction based on the instructions of the customer; and / or not approving the transaction if the transaction is an invalid transaction not based on the instructions of the customer. Approval information transmitting means for transmitting the approval approval / disapproval information of the customer to the approval information receiving means;

A system comprising:

4. The system according to claim 3, wherein the transaction information output means is configured to be able to output information on occurrence of the transaction and Z or information on the content of the transaction by voice. A system characterized by the following.

5. The system according to any one of claims 1 to 4, wherein the information on the occurrence of the transaction and / or the content of the transaction is transmitted by e-mail. Features system.

6. The system according to any one of claims 1 to 5, wherein the information on the occurrence of the transaction and / or the content of the transaction is posted on the Internet. A system characterized by being constituted.

7. The system according to any one of claims 1 to 6, wherein the approval information receiving / accepting stage receives approval approval / disapproval information from the customer to approve the transaction. The transaction execution control unit executes a rewriting operation of the storage content of the account information storage unit using information on the content of the transaction detected by the transaction information detection unit,

When the approval information receiving unit accepts the approval / disapproval information from the customer indicating that the transaction is not approved, the transaction execution control unit is configured not to execute the rewriting operation of the storage content of the account information storage unit. ,

A system characterized in that:

8. The system according to any one of claims 1 to 7, wherein the information acquisition means (1) is configured to transmit the transaction and / or the transaction I relating to the content of the transaction. Further comprising an approval time control means for measuring an approval time until the approval information receiving means receives approval approval / disapproval information from the customer after transmitting the information to the customer; If a signal relating to the acceptance of the approval / disapproval information from the customer within the approval time is output to the bowing / execution control means, the transaction execution control means returns to the transaction detected by the transaction information detection means. Information about the content of And a rewriting operation of the contents stored in the account information storage means.

9. The system according to any one of claims 1 to 7, wherein the transaction information transmitting means includes the transaction occurrence and / or the transaction I information relating to the content of the transaction. After transmitting the approval to the customer, the approval information receiving means further includes an approval time control means for measuring an approval time until the approval information accepting information is received from the customer. In the case where a signal relating to the acceptance of approval / disapproval information from the customer within the approval time is not output to the transaction execution control means, the transaction execution control means does not execute the rewriting operation of the contents stored in the account information storage means. The system characterized by being comprised as follows.

10. The system according to any one of claims 1 to 9, wherein a transaction threshold value is set for setting a threshold value for the Tori I information on the content of the transaction. Means, and transaction information control means for controlling the occurrence of the transaction based on the threshold value and / or the transmission of transaction information relating to the content of the transaction, the transaction information transmitting means comprising: A system configured to operate based on a signal output by a bowing I information control means.

11. The system according to any one of claims 1 to 10, wherein the content of the transaction detected by the transaction information detecting means is a customer identification for identifying the customer. Information,

A customer authentication unit for authenticating the customer based on the customer identification information output by the bow detection information detection unit;

When the customer authentication unit authenticates the customer, the transaction execution control unit executes a rewriting operation of the storage content of the account information storage unit using information on the content of the transaction detected by the transaction information detection unit. ,

If the customer authentication means does not authenticate the customer, the transaction execution control means A system which is configured not to execute an operation of rewriting the storage content of the account information storage unit.

12. The system according to claim 11, wherein the customer identification information includes a password of the customer and / or information on an ecological characteristic of the customer. system.

13. The system according to any one of claims 1 to 12, wherein the approval information output means outputs approval approval / disapproval information from the customer accepted by the approval information receiving means. A system further comprising means.