WO2003048989A1

WO2003048989A1 - Proxy support system, proxy support method, and proxy supporting program

Info

Publication number: WO2003048989A1
Application number: PCT/JP2001/010679
Authority: WO
Inventors: Masaru Kamonji; Hiroshi Sakurai
Original assignee: Fujitsu Limited; Fujitsu Frontech Limited
Priority date: 2001-12-06
Filing date: 2001-12-06
Publication date: 2003-06-12
Also published as: JPWO2003048989A1

Abstract

When a predetermined processing to be executed on a predetermined system is executed by an agent for the principal to execute the predetermined processing, a request of the principal for a proxy to the proxy is accepted, the contents of the request accepted is registered, a management number for managing the proxy by the agent is given to the received request, and the management number given is notified to the agent. Upon execution of the proxy, the management number is entered so that the proxy by the agent is managed on the basis of the entered management number and the management number given in advance to the corresponding proxy request.

Description

Description Proxy support system, proxy support method, and proxy support program

The present invention relates to a proxy support system, a proxy support method, and a proxy support program that support a proxy to perform a predetermined process on behalf of a principal, and particularly to an automatic teller machine installed in a financial institution or the like. The present invention relates to a proxy support system, a proxy support method, and a proxy support program that support an agent to perform deposit / withdrawal processing on behalf of a principal. Background art

The processing of automatic cash deposits and withdrawals by ATMs installed at financial institutions, etc., is generally performed by the person who has an account at the financial institution, but the person himself does not perform the deposit and withdrawal processing, and You may be asked to perform a process.

In this case, the cash card has conventionally been deposited directly with an agent, and the agent performs the processing on behalf of the person. However, the use of the cash card by the agent in place of the principal in this way poses a security problem in that there is a risk of leaking the personal identification number. In addition, it takes a lot of time to transfer cash cards, which hinders prompt processing. '

Another problem is that while the agent holds the cash card, the person cannot use the cash card and cannot easily deposit and withdraw money. The present invention has been made to solve such a problem, and a proxy support system, a proxy support method, and a proxy support method capable of performing a highly reliable proxy process without depositing a cash card to another person. Provide a program. Further, the present invention provides a proxy support system, a proxy support method, and a proxy support program that can prevent illegal transactions by notifying and monitoring the processing result. Disclosure of the invention The present invention provides a proxy support system for performing a predetermined process performed on a predetermined system on behalf of a person who is to perform the predetermined process by an agent, and Receiving means for receiving a request related to a proxy request, request registering means for registering the content of the request received by the receiving means, and a management number for managing proxy by a proxy for the request received by the receiving means Management number assigning means for assigning the management number, notifying means for notifying the agent of the management number assigned by the management number assigning means, first input means for the agent to input the management number, and the management number Agent means for managing an agent by an agent based on the management number assigned by the assigning means and the management number input by the first input means. To provide assistance system.

According to such a configuration, for example, when an agent lowers cash at a financial institution on behalf of the principal, the agent can execute the agent without borrowing a cash card from the principal, so that the trouble of transferring the cash card is reduced. Omission and quick processing are possible, and there is no danger of leakage of personal identification numbers, etc., and the reliability is excellent.

In the embodiment of the present invention, the receiving means comprises a transmitting / receiving section of the bank host and a proxy request receiving section, the request registering means comprises a database, the management number assigning means comprises a management number assigning section, The notifying means is composed of a management number assigning part and a transmitting / receiving part, the first input means is composed of a management number input part of the ATM terminal and a proxy management part of the bank host, and the management means is performed by a proxy management part of the bank host. It is composed.

Further, in the proxy support system according to the present invention, the management unit compares the management number assigned by the management number assignment unit with the management number input by the first input unit, and compares the comparison result with the management result. The method is characterized in that the agent is authenticated based on the information. According to such a configuration, the proxy can be authenticated at the time of the proxy processing, and the reliability of the proxy processing is improved.

Further, the agent support system according to the present invention includes: an information registering means for registering predetermined information determined between the principal and the agent; and a second input for the agent to input the predetermined information determined by the agent. Means, and the management means further comprises: based on the predetermined information registered in the information registration means and the predetermined information input by the second input means. And authenticate the agent.

According to such a configuration, since the agent can be authenticated with further information in addition to the management number, the reliability is drastically improved, and illegal transactions can be prevented.

In the embodiment of the present invention, the predetermined information corresponds to a proxy password, the information registration means is constituted by a database, and the second input means is a password input section of the ATM terminal and a proxy management section of the bank host. Consists of

Further, in the proxy support system according to the present invention, the management means notifies the person of the execution result when the proxy using the management number is executed.

In this way, by notifying the principal of the proxy processing result, the principal can confirm whether or not the proxy processing has been performed normally, thereby improving the reliability of the proxy processing and preventing unauthorized transactions. be able to.

Further, in the agent support system according to the present invention, the content of the request is at least any one of information on the agent, details of a process performed by the agent, an amount that can be handled by the agent, and an expiration date of the agent by the agent. Or one of them. According to such a configuration, the contents of the proxy processing can be grasped on the system side, so that the processing can be executed promptly only by inputting the management number at the time of the proxy processing, and the agent can reliably and easily perform the proxy processing. Can be accomplished. In addition, on the system side, it is possible to perform fine-grained management such as permission or restriction of delegation according to the content of delegation processing.

In the embodiment of the present invention, the content of the request is stored in the management file B in the personal management file of the database.

Further, in the agency support system according to the present invention, the agency by the agent includes a cash deposit / withdrawal process with respect to a financial institution.

In this way, if the agent includes the transfer of cash to and from financial institutions, it is possible to support the agent with high reliability, especially for handling cash that requires authentication.

Also, the present invention is a proxy support method for causing a proxy to perform a predetermined process performed on a predetermined system on behalf of the person who should perform the predetermined process, A receiving step of receiving a request relating to a proxy request from the principal to a proxy, a request registration step of registering the content of the request received in the receiving step, and a proxy by proxy for the request received in the receiving step A management number assignment step of assigning a management number for management, a notification step of notifying an agent of the management number assigned by the management number assignment step, and an input step of inputting the management number by the agent. And a management step of managing a proxy by a proxy based on the management number assigned in the management number assigning step and the management number input in the inputting step. Further, the present invention is a proxy support program for executing, on a computer, support for causing a proxy to perform predetermined processing performed on a predetermined system on behalf of the person who should perform the predetermined processing on behalf of the principal. A receiving step of receiving a request for a proxy request from the principal to an agent; a request registering step of registering the contents of the request received in the receiving step; and an agent for the request received in the receiving step. Number assigning step for assigning a management number for managing the agent's delegation, notification step for notifying the agent of the management number assigned in the management number assigning step, and inputting the agent to input the management number And a management number assigned in the management number assignment step and a management number input in the input step. And a management step of managing a proxy by a proxy based on the issue number. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a diagram showing a configuration of a proxy support system and a flow of proxy processing in an embodiment of the present invention.

FIG. 2 is a block diagram showing in detail the configuration of the bank host and the ATM terminal of the agency support system.

Figure 3 shows the structure and contents of the personal management file stored in the database of the bank host.

FIG. 4 is a flowchart showing a proxy service registration process.

FIG. 5 is a flowchart showing a proxy service request receiving process. FIG. 6 is a flowchart showing a management number assigning process.

FIG. 7 is a flowchart showing a management number receiving process.

FIG. 8 is a flowchart showing a management number confirmation process.

FIG. 9 is a flow chart showing a password confirmation process and a confirmation process for the substitute contents.

FIG. 10 is a flowchart showing a proxy end notification process. BEST MODE FOR CARRYING OUT THE INVENTION

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

In this embodiment, when a principal who has an account at a bank requests a proxy for cash deposit / withdrawal from a principal's account, a bank host that manages the account at the bank receives a substitute request from the principal, and A proxy processing management number (hereinafter referred to as a management number) is assigned to the request, and the agent performs the proxy using the management number obtained from the bank host, and notifies the principal of the processing result. An example is shown. Hereinafter, the principal is referred to as the client.

FIG. 1 is a diagram showing in detail a proxy support system according to the present embodiment and the flow of the proxy processing described above. In FIG. 1, a client 1 has a client terminal 2 and enables communication connection with a bank host 5 via a network 7 such as the Internet. Also, an agent 3 that receives an agent's request from the client 1 and actually performs the agent has an agent terminal 4 and enables communication connection with the bank host 5 via the network 7. The bank host 5 is connected to an ATM terminal 6 installed in the bank via a network 7, and various data is transmitted and received.

FIG. 2 is a block diagram showing the configuration of the bank host 5 and the ATM terminal 6 in detail. The bank host 5 includes a transmitting / receiving unit 10 for transmitting / receiving data to / from external devices via the network 7, a database 15 storing client data, agent data, and agency contents together with a management number. A proxy service registration unit 11 that stores an input screen for registering to use the proxy service with the host 5 and information of the client at the time of registration in the database 15, and a proxy from the client terminal 2 Agency request accepting unit 1 2 that accepts the contents of the agency request to the person and registers it in the database 15 A management number assigning unit 13 for assigning a management number to the proxy request received by the request receiving unit 12 and registering it in the database 15 and notifying the assigned management number to the agent terminal 4 performing the proxy, and a database A proxy management unit 14 that manages proxy processing performed in the ATM terminal 6 with reference to 15 is provided.

In addition, the ATM terminal 6 provides a transmitting / receiving unit 20 for transmitting / receiving to / from an external device via the network 7 and an input screen for inputting a management number when an agent performs proxy processing. A management number input unit 21 for notifying the agent management unit 14 of the bank host 5 via the transmission / reception unit 20 and the network 7 with the management number, and an input screen for inputting an agent password. Notify the entered proxy password to the transfer management unit 14 of the bank host 5 via the transmission / reception unit 20 and the network 7 The password input unit 2 2 and the cash deposit / withdrawal processing unit 2 3 for depositing and withdrawing cash Are provided.

Furthermore, the database 15 creates a personal management file 30 as shown in FIG. 3 for each registered account, and stores data necessary for proxy in each file. In the figure, the personal management file 30 is composed of a client account file (hereinafter referred to as a management file A) storing client account information and a request content file (hereinafter referred to as a management file) storing the contents of the client's agency request. It consists of four files: B), a management number file that stores the management number (hereafter, management file C), and a processing status flag file (hereafter, management file D) that indicates the processing status of the proxy.

Based on such a configuration, the operation of the proxy support system in the present embodiment will be described in detail. First, in FIG. 1, the agent 1 registers with the bank host 5 in order to use the agency service of the bank (FIG. 1 (1)).

Fig. 4 shows the specific contents of the registration process. The client 1 connects to the network 7 such as the Internet via the client terminal 2 and accesses the agency service registration screen from the homepage of the bank host 5 (S100). The proxy service registration screen (not shown) is provided by the proxy service registration unit 11. On the registration screen, the requester 1 inputs an account number to be substituted (S101) and a password corresponding to the account number (S102). When the input of necessary items is completed and the data is transmitted, the transmission / reception unit 10 receives the data and sends it to the proxy service registration unit 11. Agent The service registration unit 11 stores the data in the database 15 (S103). In database 15, personal management file 30 is created as shown in Fig. 3, and the entered account number is written to management file A. Other information entered by the client is managed by another container that has a relationship with management file A. When the information is stored in the database 15 in this way, the registration process ends (S104).

After the agent service registration is completed, the agent 1 can request the agent 3 by sending an agent request request to the bank host 5. Before sending the request to the bank host 5, the client 1 agrees with the agent 3 and agrees on the agent password necessary for the authentication process when acting on behalf of the client (Fig. 1 (2) ).

After determining the agent password, the client 1 sends the agent 3 the contents of the request for the agent to the bank host, and requests that the agent 3 manage the agent's processing (Fig. 1 (3)). This request is transmitted by filling in a form displayed on the proxy service request screen on the homepage of the bank host 5 (not shown).

Fig. 5 shows the specific processing contents. The client 1 connects the client terminal 2 to the network 7 and accesses the proxy service request screen from the homepage of the bank host 5 (S200). The proxy service request screen is provided by the proxy service request receiving unit 12. On the request screen, the client 1 inputs an account number to be substituted (S201) and a password corresponding to the account number (S202). In addition, according to the form on the screen, the amount handled by Agent 3 and the expiration date of the agent process, the agent password agreed with Agent 3, the process termination and processing so that necessary items are stored in management file B. Enter the presence / absence of content notification and agent information (email address, phone number, etc.). By entering each input item, the contents of the proxy processing are determined. When the input is completed and the data is transmitted, the transmitting / receiving unit 10 receives the data and sends it to the proxy request receiving unit 12. The contents are registered in the corresponding management file B of the database 15 by the agency request accepting section 12 (S203), and the acceptance of the request is completed (S204).

In addition, when the items of processing completion and the presence / absence of notification of the processing content are set to “Yes”, after the proxy is completed, the fact that the proxy is completed for the client 1 and the content of the proxy actually executed by the agent 3 ( (Including the processing date and time, the amount, etc.) will be notified to the client 1.

Next, the management number assigning section 13 of the bank host 5 assigns a management number to the request received from the client 1 (FIG. 1 (4)). Fig. 6 shows the specific processing contents. The management number assigning unit 13 of the bank host 5 encrypts the proxy password written in the management file B and the management file number (S300). The management file number is a number used by the bank host 5 for various processes, and is uniquely determined in correspondence with each individual management file 30. As shown in FIG. Files 1, 2, 3,,, and are numbered sequentially. The management number for proxy processing is determined from the data encrypted in this way (S301).

Instead of the processing in S300, the management file number relating to the processing content may be encrypted using the proxy password as a key, and the processing method is not limited. When the management number is determined, the management number is written into the management file C (S302), and a flag is set so that the unprocessed flag of the management file D is turned on (S300).

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In addition, the management number assigning unit 13 transmits the management number from the transmitting / receiving unit 10 to the agent terminal 4 in the form of an e-mail in order to notify the agent 3 of the determined management number (first example). Figure (5)). Further, the management number assigning unit 13 also notifies the client 1 that the agent 3 has been notified of the management number (FIG. 1 (6)). This notification is also sent via e-mail. Note that the notification of the management number and the notification to the client may be a notification by telephone or the like instead of e-mail, and the format is not limited.

The agent 3 who has obtained the management number and the agent password can perform proxy processing. Hereinafter, a flow in the case where the agent 3 executes a process of removing cash from the ATM terminal 6 of the bank (hereinafter, referred to as a withdrawal process) in place of the client 1 will be described with reference to the drawings. The agent 3 goes to the ATM terminal 6 of the bank and inputs a management number from a management number input screen (not shown) provided by the management number input section 21 of the ATM terminal 6 (FIG. 1 (7)). When the control number is input, the control number input section 21 notifies the input control number to the proxy management section 14 of the bank host 5 from the transmission / reception section 20 via the network 7 (No. Figure 1 (8)). The notified management number is retrieved by the agency management unit 14 (FIG. 1 (9)). FIG. 7 shows details of the search process in the proxy management unit 14. First, the proxy management unit 14 decrypts the received management number (S400). This is because the management number is obtained by encrypting the agent password and the management file number in S300 described above. Next, the decrypted data is separated into a proxy password part and a management file number part (S401). Then, the separated and extracted management file number is searched from the database 15 (S402).

This search result is notified to the ATM terminal 6 (Fig. 1 (10)). Figure 8 shows the details of the search result notification process. When the management file number exists in the database 15 (S500, YES), the proxy management unit 14 notifies the ATM terminal 6 of the request for the agent password (S501). If the management file number does not exist in the database 15 (S500, NO), check whether the number of management number input is less than 3 times. If the number of inputs is less than three (S502, YES), it is regarded as an input error and the agent 3 is requested to input the management number again (S503). When the number of times of input exceeds three (S502, NO), the processing is stopped as an illegal processing is performed, and the requester 1 is notified by e-mail or telephone (S504). The corresponding personal management file 30 can be specified by the searched management file number.

The notification of the agent passcode request is received by the passcode input unit 22 of the ATM terminal 6. The password input unit 22 displays a password input screen (not shown) to the agent 3 to urge the agent 3 to input a password. When the password is input by the agent 3 (FIG. 1 (11)), the password input unit 22 is input from the transmission / reception unit 20 to the agent management unit 14 of the bank host 5 via the network. Notify the passcode (Fig. 1 (12)).

The notified password is confirmed by the proxy management unit 14 (FIG. 1 (13)). Figure 9 shows the details of the confirmation process. The password decrypted in S400 described above is compared with the password input by the agent 3 (S600). As a result of the comparison, if they do not match (S600, NO), it is checked whether or not the number of times of password input is three or less (S605). If the number of times of input is less than three times (S605, YES), it is regarded as an input error and the agent 3 is requested to input the password again. (S606). When the number of times of input exceeds three times (S605, NO), the processing is stopped because the illegal processing has been performed, and the requester 1 is notified by e-mail or telephone (S607).

If the result of the comparison in S600 shows a match (S600, YES), the expiration date is checked by referring to the expiration date item of the personal management file 30. (S601). If it is not within the time limit (S601, NO), an error message display instruction is issued to the ATM terminal 6, and the processing is stopped (S608). If it is within the time limit (S601, YES), it refers to the flag of the management file D of the personal management file 30, and confirms whether the proxy process has not been processed (S602). If the processing has been completed (S602, NO), an error message display instruction is issued to the ATM terminal 6, and the processing is stopped (S609). If the processing has not been completed (S602, YES), a cash dispensing processing instruction is issued to the ATM terminal 6 based on the proxy processing contents described in the personal management file 30 (S603). The cash deposit / withdrawal processing unit 23 of the ATM terminal 6 that has received the instruction performs the withdrawal processing according to the processing content (FIG. 1 (14)). Also, the proxy management unit 14 of the bank host 5 sets a processed flag in the management file D of the corresponding personal management file 30 (S604).

After the agency process is completed, the agency management unit 14 of the bank host 5 sends a notification of the agency end to the client 1 (FIG. 1 (15)). FIG. 10 shows details of the proxy end notification processing. The agent management unit 14 checks the item of “processing completion and notification of processing contents” in the management file B, and if “yes” (S700, YES), the client 1 is notified of the processing completion and processing contents. The notification is made in the form of e-mail or the like (S701), and the proxy processing is terminated (S702). If "none" (S700, NO), the process is terminated without notification (S702).

As described above, in this embodiment, the agent can use the management number to dispense cash without borrowing a cash card from the client, and the agent itself also manages the cash. The bank host issues a command to the ATM terminal based on the request of the personal management file as soon as the number is entered, so that the withdrawal process is performed quickly and the agent can easily perform the agency. .

Note that, in the above-described embodiment, the management number or the path entered at the ATM terminal is used. Although the security was assured by notifying the client if the word was incorrect, the reliability of the system can be improved by using another method. For example, the method of entering the password should allow the bank host to determine whether an abnormal situation has occurred.

Specifically, if two extra digits or characters are added at the end of the password when entering the password, the bank host will be automatically notified that an abnormal situation has occurred. I do. For example, if the client has to send an unsolicited proxy request due to intimidation, etc., the intimidating person may be required to add a two-digit random character to teach the password, or to give the password to himself or herself. By entering additional digits, the bank host can be notified of the occurrence of an abnormal situation. Also, if an abnormal situation occurs during the execution of the proxy processing, the occurrence of the abnormal situation can be reported by adding two-digit characters to the password in the same manner. Even if a password to which two-digit characters are added is used, request processing or proxy processing is executed without delay on the surface.

It is more preferable that the client designates whether or not he or she wants such a reporting service when registering the agency service. For example, a security mode setting item may be provided on the agency service registration screen, and if the client sets the item to ON, the report service may be received.

Although the present embodiment has been described in detail above, the flow of the proxy processing and the configuration and operation of the proxy support system described in the above-described embodiment are examples for realizing the present invention, and Is not particularly limited without departing from the spirit of the present invention, and it is needless to say that the present invention can be appropriately applied. Industrial applicability

ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to provide a quick and highly reliable agency service without depositing a cash card to others, and a client can request an agency more easily than before, At the same time, the agent can perform the agency more easily than before. Furthermore, since the processing status can be monitored and the processing result can be notified to the client, illegal transactions can be prevented.

Claims

The scope of the claims

1. A substitute support system for causing a predetermined process to be performed on a predetermined system to be performed by a proxy on behalf of the principal who should perform the predetermined process,

A receiving unit that receives a request related to a proxy request from the principal to a proxy, a request registering unit that registers the content of the request received by the receiving unit,

A management number assigning means for assigning a management number for managing a proxy by a proxy to the request received by the receiving means;

Notifying means for notifying the agent of the management number assigned by the management number assigning means,

First input means for an agent to enter the control number,

A proxy support system comprising: a proxy managing unit that manages proxy by a proxy based on the control number assigned by the control number assigning unit and the management number input by the first input unit.

2. In the agency support system described in claim 1,

The management unit compares the management number assigned by the management number assignment unit with the management number input by the first input unit, and authenticates an agent based on the comparison result. Support system.

3. In the agency support system described in claim 1,

Information registering means for registering predetermined information negotiated between the principal and the agent, and second input means for inputting the predetermined information by the agent, wherein the managing means further comprises: A substitute support system, wherein an agent is authenticated based on predetermined information registered in information registration means and predetermined information input by the second input means.

4. In the agent support system described in claim 1,

The above-mentioned management means is executed for the principal when the agent using the management number is executed. A substitute support system that notifies the result.

5. In the agent support system described in claim 1,

The content of the request includes at least one of information on the agent, details of a process performed by the agent, an amount that can be handled by the agent, and an expiration date of the agent. system.

6. In the agency support system described in claim 1,

The agency support system, wherein the agency by the agent includes a cash deposit / withdrawal process with a financial institution.

7. An agent support method for causing a predetermined process to be performed on a predetermined system to be performed by an agent on behalf of the principal who should perform the predetermined process,

A receiving step of receiving a request from the principal to a proxy for a proxy request, a request registration step of registering the content of the request received in the receiving step, and a proxy by a proxy for the request received in the receiving step. A management number assignment step for assigning a management number for managing

A notification step of notifying an agent of the management number assigned by the management number assignment step;

An input step in which an agent inputs the control number,

And a management step of managing a proxy by an agent based on the management number assigned in the management number assignment step and the management number input in the input step.

8. A proxy support program for causing a computer to execute a predetermined process to be performed on a predetermined system on behalf of a person who should perform the predetermined process on behalf of an agent,

A reception step for receiving a request relating to a proxy request from the principal to a proxy; and a request registration method for registering the contents of the request received in the reception step. A management number assigning step for assigning a management number for managing a proxy by a proxy to the request received in the receiving step;

An input step in which an agent inputs the control number,

A substitution support program characterized by causing a computer to execute a management step of managing a substitution by an agent based on the management number assigned in the management number assignment step and the management number input in the input step.