WO2003048989A1 - Systeme, procede et programme de support de serveur mandataire - Google Patents

Systeme, procede et programme de support de serveur mandataire Download PDF

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Publication number
WO2003048989A1
WO2003048989A1 PCT/JP2001/010679 JP0110679W WO03048989A1 WO 2003048989 A1 WO2003048989 A1 WO 2003048989A1 JP 0110679 W JP0110679 W JP 0110679W WO 03048989 A1 WO03048989 A1 WO 03048989A1
Authority
WO
WIPO (PCT)
Prior art keywords
proxy
agent
management number
management
request
Prior art date
Application number
PCT/JP2001/010679
Other languages
English (en)
Japanese (ja)
Inventor
Masaru Kamonji
Hiroshi Sakurai
Original Assignee
Fujitsu Limited
Fujitsu Frontech Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Fujitsu Limited, Fujitsu Frontech Limited filed Critical Fujitsu Limited
Priority to PCT/JP2001/010679 priority Critical patent/WO2003048989A1/fr
Priority to JP2003550111A priority patent/JPWO2003048989A1/ja
Publication of WO2003048989A1 publication Critical patent/WO2003048989A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

Definitions

  • 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.
  • the cash card has conventionally been deposited directly with an agent, and the agent performs the processing on behalf of the person.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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 agent 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.
  • 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
  • the management means is performed by a proxy management part of the bank host. It is composed.
  • 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.
  • the agent support system 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.
  • the predetermined information corresponds to a proxy password
  • the information registration means is constituted by a database
  • the second input means is a password input section of the ATM terminal and a proxy management section of the bank host.
  • the management means notifies the person of the execution result when the proxy using the management number is executed.
  • 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.
  • 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.
  • 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.
  • fine-grained management such as permission or restriction of delegation according to the content of delegation processing.
  • the content of the request is stored in the management file B in the personal management file of the database.
  • the agency by the agent includes a cash deposit / withdrawal process with respect to a financial institution.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • a management number 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the requester 1 inputs an account number to be substituted (S101) and a password corresponding to the account number (S102).
  • 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).
  • 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.
  • the registration process ends (S104).
  • 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) ).
  • the client 1 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.
  • the client 1 inputs an account number to be substituted (S201) and a password corresponding to the account number (S202).
  • 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.
  • 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).
  • 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).
  • 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.
  • 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).
  • 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.
  • 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)).
  • 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.
  • 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.
  • 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).
  • 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.
  • 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)).
  • FIG. 1 (13) 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).
  • 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).
  • 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)).
  • 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).
  • the management number or the path entered at the ATM terminal is used.
  • 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.
  • the method of entering the password should allow the bank host to determine whether an abnormal situation has occurred.
  • 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.
  • 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.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Selon la présente invention, lorsqu'un traitement prédéterminé à exécuter au niveau d'un système prédéterminé est exécuté par un agent auxiliaire pour le mandant en charge de l'exécution du traitement prédéterminé, une demande d'un serveur mandataire adressée par le mandant au serveur mandataire est acceptée, les contenus de la demande acceptée sont enregistrés, un numéro de gestion du serveur mandataire par l'agent auxiliaire est attribué à la demande reçue, et le numéro de gestion attribué est notifié à l'agent. Suite à l'exécution du serveur mandataire, le numéro de gestion est entré de manière que le serveur mandataire au niveau de l'agent est géré sur la base du numéro de gestion entré et du numéro de gestion donné, avant la demande de serveur mandataire correspondante.
PCT/JP2001/010679 2001-12-06 2001-12-06 Systeme, procede et programme de support de serveur mandataire WO2003048989A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/JP2001/010679 WO2003048989A1 (fr) 2001-12-06 2001-12-06 Systeme, procede et programme de support de serveur mandataire
JP2003550111A JPWO2003048989A1 (ja) 2001-12-06 2001-12-06 代行支援システム及び代行支援方法並びに代行支援用プログラム

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/JP2001/010679 WO2003048989A1 (fr) 2001-12-06 2001-12-06 Systeme, procede et programme de support de serveur mandataire

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Publication Number Publication Date
WO2003048989A1 true WO2003048989A1 (fr) 2003-06-12

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PCT/JP2001/010679 WO2003048989A1 (fr) 2001-12-06 2001-12-06 Systeme, procede et programme de support de serveur mandataire

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003303282A (ja) * 2002-04-10 2003-10-24 Oki Electric Ind Co Ltd 現金自動取引装置およびそのプログラム
JP2005065035A (ja) * 2003-08-18 2005-03-10 Fujitsu Ltd Ｉｃカードを利用した代理者認証システム
JP2006031454A (ja) * 2004-07-16 2006-02-02 Nec Corp 認証システム、認証用通信装置及び認証方法
JP2014509428A (ja) * 2010-05-14 2014-04-17 スッグ パク，グィ 携帯電話モバイルを利用した安心決済システム及びその決済システムを利用した決済方法

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS60235272A (ja) * 1984-05-07 1985-11-21 Omron Tateisi Electronics Co カ−ド取引管理システム
JP2001155107A (ja) * 1999-11-30 2001-06-08 Oki Electric Ind Co Ltd 電子決済システム
JP2001273397A (ja) * 2000-03-24 2001-10-05 Sanwa Bank Ltd 現金引き出しシステム

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS60235272A (ja) * 1984-05-07 1985-11-21 Omron Tateisi Electronics Co カ−ド取引管理システム
JP2001155107A (ja) * 1999-11-30 2001-06-08 Oki Electric Ind Co Ltd 電子決済システム
JP2001273397A (ja) * 2000-03-24 2001-10-05 Sanwa Bank Ltd 現金引き出しシステム

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003303282A (ja) * 2002-04-10 2003-10-24 Oki Electric Ind Co Ltd 現金自動取引装置およびそのプログラム
JP2005065035A (ja) * 2003-08-18 2005-03-10 Fujitsu Ltd Ｉｃカードを利用した代理者認証システム
JP2006031454A (ja) * 2004-07-16 2006-02-02 Nec Corp 認証システム、認証用通信装置及び認証方法
JP2014509428A (ja) * 2010-05-14 2014-04-17 スッグ パク，グィ 携帯電話モバイルを利用した安心決済システム及びその決済システムを利用した決済方法

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