WO2004072881A1

WO2004072881A1 - Transaction approval system

Info

Publication number: WO2004072881A1
Application number: PCT/JP2003/001653
Authority: WO
Inventors: James Jay Skinner
Original assignee: James Jay Skinner
Priority date: 2003-02-17
Filing date: 2003-02-17
Publication date: 2004-08-26
Also published as: AU2003211536A1

Abstract

A transaction approval system (100) includes customer data storage means (112) for storing customer data, approval request control means (114) for receiving transaction-related information upon reception of a transaction request using a financial card, judging whether to approve the transaction according to the customer data, and outputting a transaction confirmation request for confirming the transaction, and approval yes/no judgment means (116) for judging whether the customer has confirmed the transaction and outputting a response to the transaction approval request from the customer. The approval yes/no judgment means (116) outputs a response to approve the transaction approval request from the customer when the information related to confirmation of the transaction sent from the customer contains a pin number of the customer. The approval yes/no judgment means (116) accepts the date for approving the transaction sent from the customer and outputs the date.

Description

Transaction approval system

〔Technical field〕

The present invention relates to a transaction approval system that can be applied when a customer makes a transaction using a financial card. In particular, the present invention relates to a method in which a customer writes a credit card,

The present invention relates to a transaction approval system that enables a customer to confirm a transaction when purchasing a product using such a financial force and to approve the transaction confirmed by the customer.

(Background art)

(1) Japanese Patent Publication No. 8-366065 (Patent Document 1)

The automatic cash transaction apparatus disclosed in Patent Document 1 requests history information requesting the host computer for re-transaction information of the account after the mark setting position of the user information file, and stores the notified information in the information area. It is configured to write, edit, and display on the output means. This automated teller machine allows the user to check the details of the increase or decrease in the account without checking the balance or entering a passbook.

(2) Japanese Patent Application Laid-Open No. H10-1070583 (Patent Document 2)

The automatic teller machine disclosed in Patent Document 2 specifies a transfer destination with an ID such as Inuichi Net, transmits the transfer to the transfer destination financial institution, and uses the ID at the transfer destination financial institution to transfer money. It is configured to check the account name of the destination and perform the transfer process. In this automatic teller machine, the operation of inputting the information of the transfer destination can be simplified.

(3) European Patent Application Publication No. EP 0 7 4 5 9 6 1 A2 (Patent Document 3)

The Toumi I authentication and alarm system disclosed in Patent Document 3 accepts a transaction approval request from a customer when the customer uses a financial force. Next, the transaction authentication and alert system reads the customer's information from a customer database that stores information about the customer. Next, the transaction authentication and alarm system is configured to determine whether the customer's bow 1 can be approved.

If the transaction authentication and alert system determines that the customer's transaction may be approved, the transaction authentication and alert system calls the customer's two-way pager. Next, the transaction authentication and alert system waits for a reply from the customer's two-way pager. If the customer's reply approves the transaction, the bowing and reporting system is configured to format the authorization code. If the customer's reply does not approve the bow, the transaction authentication and alert system is configured to format a negative code.

In contrast, if the transaction authentication and alerting system determines that the customer's transaction must not be approved, the transaction authentication and alerting system is configured to format a negative code.

After formatting the authorization code or negation code, the transaction authentication and alert system is configured to output a reply to the customer's request for authorization of the transaction.

(4) Issues of conventional automatic cash transaction machines

With conventional automatic cash transaction machines, there were transactions at financial institutions, such as deposits, withdrawals, transfers, and remittances, that changed user (user) account information. Even if the user did not go to the financial institution or the location of the terminal of the financial institution and perform the balance inquiry procedure to confirm the account balance, the user could not know the latest account balance at that time. .

Further, in the conventional automatic cash transaction apparatus, when a user checks the account balance by performing a balance inquiry procedure, a paper medium such as a passbook or a statement is required.

In the conventional automatic cash transaction equipment, even if the user checks the account balance by performing a balance inquiry procedure, the transaction date, transaction type (deposit, withdrawal), transaction Only predetermined information such as the partner and the transaction amount could be known.

Further, in the conventional automatic cash transaction apparatus, even if the user performs a balance inquiry procedure to check the account balance, information on the transaction for changing the account information can be obtained only according to the order in which the transaction occurred. I couldn't know.

(5) Issues with conventional transaction authentication and alarm systems

Conventional transaction authentication and alert systems use a two-way pager to transmit information only wirelessly. Therefore, this transaction authentication and alarm system cannot be used in places where radio waves cannot be transmitted, such as a store located underground or a store distant from transmitting equipment. Further, the transaction authentication and alarm system described above is configured so that a reply to a request for approval of Torigi I from a customer is transmitted to only one medium owned by the customer. Therefore, in this transaction authentication and alarm system, it is not possible for the customer to confirm the response to the transaction approval request from the terminal installed in the store or the like.

Also, the transaction authentication and alarm system described above is configured so that once a request for approval of a transaction is accepted from a customer, the request for approval cannot be canceled. In addition, the transaction authentication and alarm system If your reply approves the transaction, you know the transaction, but you do not know the balance after the transaction. Furthermore, the above transaction authentication and alarm system cannot output a date for approving the transaction, cannot identify the method of contacting the customer, and determines whether the customer needs to confirm the transaction. No, and it is not possible to output a request for approval of a transaction by multiple electronic means. Further, the transaction authentication and alarm system cannot issue a plurality of approval requests, and cannot cancel a part of the plurality of approval requests.

(6) List of patent documents

(Patent Document 1)

Japanese Unexamined Patent Publication No. Hei 8-366665 (Pages 3-4, Fig. 1)

(Patent Document 2)

Japanese Patent Application Laid-Open No. H10-107578 (Pages 2 to 4, Figure 2, Figure 3)

(Patent Document 3)

European Patent Application Publication No. EP 0 7 4 5 9 6 1 A2 (Page 9, FIG. 10) [Object of the Invention]

An object of the present invention is to provide a customer with information about the transaction, such as the details of the transaction and the balance after the transaction, when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card. To provide a structured transaction approval system

It is another object of the present invention to provide a toyori recognition system configured to be able to output a date sent by a customer to approve a transaction.

Another object of the present invention is to provide a transaction authorization system configured to identify a method of contacting a customer in response to an authorization request transmission point to which an authorization request from a customer has been transmitted. It is to provide a system.

Another object of the present invention is to provide a bowing I which is configured so that a customer can determine the necessity of confirming bowing I based on information on an approval request transmission point output by the approval request control means. It is to provide an approval system.

It is another object of the present invention to provide a transaction approval system configured to be able to output a transaction approval request by a plurality of electronic means.

[Disclosure of the Invention]

The present invention is a transaction approval system capable of electronically transmitting information on whether or not to approve a transaction when a transaction using a financial card occurs to a customer,

Customer data storage means for storing customer data including the name of the customer, the balance of the financial account of the customer, and the pin number of the customer;

When a transaction request is made by using a financial card such as a credit card, a debit card, or a cash card, the information on the tori I is accepted, and the customer data stored in the customer data storage means is stored in the customer data storage unit. A request for approval to output the bowing I confirmation request for confirming the bowing I when it is determined whether or not to approve the transaction. Control means; and accepting information on confirmation of the bow I sent from the customer, and based on the information on the transaction confirmation request output by the approval request control means, whether the customer has confirmed the transaction. Approve / non-approve judgment means for outputting a reply to the transaction approval request from the customer,

The approval approval / disapproval determination means is configured to output a reply for approving the transaction approval request from the customer when the information on the confirmation of the transaction sent from the customer includes the pin number of the customer. Has been When receiving a transaction request using a financial card such as a credit card, a debit card, or a cash card, accept the information on the transaction and refer to the customer data stored in the customer data storage means. And a related information control means for calculating a post-transaction balance of the financial account of the customer and outputting a calculation result of the post-transaction balance.

With this configuration, it is possible to calculate the post-transaction balance of the customer's financial account and output the calculation result of the post-transaction balance.

Further, in the system of the present invention, the approval / disapproval determination unit may be configured to accept a date sent by the customer and approving the transaction, and output the date. With this configuration, it is possible to output the date sent from the customer to approve the transaction.

In the system of the present invention, the approval request control means accepts the information on the transaction, confirms the approval request transmission point where the approval request from the customer has been transmitted, and associates the approval request transmission point with the customer. Can be specified.

With this configuration, it is possible to specify a method of contacting the customer in correspondence with the approval request transmission point where the approval request from the customer has been transmitted.

The system of the present invention may be configured to include an approval 'necessity determination means for determining whether the customer needs to confirm the transaction, based on the information on the approval request transmission point output by the approval request control means. it can.

With this configuration, it is possible to determine the necessity of the customer to confirm the transaction based on the information on the approval request transmission point output by the approval request control means.

In the system of the present invention, the approval request control means can be configured to be able to output a request for approval of a transaction by a plurality of electronic means.

With this configuration, the approval request for the transaction is output by multiple electronic means. Can be

The system of the present invention can be configured so that a customer can enter a customer identification code to approve the transaction and cancel the rest of the request for approval.

With this configuration, the customer can approve the transaction by entering a pin number etc. and cancel the rest of the approval request.

(Brief description of the drawings).

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

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

FIG. 3 is a flowchart showing the operation of the first embodiment of the transaction approval system of the present invention.

FIG. 4 is a block diagram showing the configuration of the second embodiment of the transaction approval system of the present invention.

FIG. 5 is an external view showing an example of a specific configuration of the second embodiment of the transaction approval system of the present invention.

FIG. 6 is a flowchart showing the operation of the second embodiment of the transaction approval system of the present invention.

FIG. 5 is a flowchart showing the operation of the third embodiment of the transaction approval system of the present invention.

FIG. 8 is a block diagram showing the configuration of the fourth embodiment of the bowing I approval system of the present invention.

FIG. 9 is a flowchart showing the operation of the fourth embodiment of the transaction approval system of the present invention. I'm Jato.

[Best mode for carrying out the invention]

An embodiment of a transaction approval system according to the present invention will be described below with reference to the drawings.

(1) First embodiment of the transaction approval system of the present invention

(1, 1) configuration

The configuration of the transaction approval system according to the first embodiment of the present invention will be described below.

Referring to FIG. 1, in a first embodiment of the transaction approval system of the present invention, a financial institution comprises a financial institution system 100 for managing customer account transactions. The financial institution system 100 constitutes a transaction approval system that can transmit information on whether or not to approve the tori I to a customer when a transaction occurs using a financial force.

Financial institution system. 100 is a system receiving unit 110, customer data storage unit 112, approval request control unit 114, approval approval / disapproval judging unit 116, and system transmission unit 120. And The financial institution system 100 is a concept that encompasses a system for managing account transactions in banks, credit companies, cooperatives, pension companies, post offices, securities companies, and the like.

Companies that are outside the financial institution and have business with the financial institution are composed of the 1st, 2nd, 3rd,. Each trader has a trader system 130 to manage transactions with financial institutions. A trader is a concept that encompasses individuals, organizations, and corporations. For example, merchants consist of retail stores, department stores, and supermarkets. For simplicity, FIG. 1 illustrates only the first merchant system 130. The trader system 1330 includes a trader input device 132, a trader reading device 134, a trader communication unit 1336, a trader accepting unit 1338, and a trader output device 1339. The vendor input device 13 2 is installed at a retail store or the like to input transaction information when a transaction request is made using a financial card such as a credit card, debit card, or cash card. The contractor input device 132 is composed of, for example, a keyboard or the like.

Trader readers 1 3 4 are installed at retail stores, etc., to read customer's financial strength when receiving a transaction request using a financial card such as a credit card, debit card, cash card, etc. . The trader reader 134 is composed of, for example, a force reader.

The merchant communication unit 1336 transmits to the financial institution system 100 the information on the transaction inputted to the merchant input device 132 and the information on the customer's financial card read by the merchant reader 1334. It is provided for. The trader accepting unit 138 is provided to accept information on a transaction transmitted from the financial institution system 100. The trader output device 13 9 is provided to output information on the transaction accepted by the trader accepting unit 1 38. The trader output device 139 is composed of, for example, a printer and a display device. With this configuration, information on the transaction can be output to the trader system 130 and the contents can be confirmed.

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 with financial institution 100. Each customer has a customer system 150 for managing transactions with financial institutions. For simplicity, FIG. 1 shows only the first customer system 150.

The customer system 150 includes a customer input device 152, a customer communication unit 156, a customer reception unit 158, and a customer output device 159. Customer input device 1 5 2 When using a financial card such as a credit card, debit card, or cash card to make a transaction, this is provided to enter information about the transaction. Customer input device

15 2 can be configured to allow the user to enter a date to approve the transaction. The customer input device 152 is composed of, for example, a keyboard or the like. The customer communication unit 156, when conducting a transaction using a financial card such as a credit card, a debit card, or a cash card, transmits information relating to the transaction input to the customer input device 152 to a financial institution system. Provided for transmission to 100. The customer communicator 156 may be configured to, when the customer inputs a date for approving the transaction, transmit the date for approving the transaction to the financial institution system 100. The customer acceptance unit 158 is provided for accepting information on transactions transmitted from the financial institution system 100. The customer acceptance section 158 can be configured to accept the date on which the transaction is approved when the customer enters the date on which the transaction is approved.

The customer output device 159 is provided to output information on the transaction accepted by the customer receiving unit 158. The customer output device 159 includes, for example, a printer and a display device. With this configuration, information on a transaction can be output to the customer system 150 and its contents can be confirmed.

Further, in the system of the present invention, if necessary, the customer inputs the customer identification code for identifying the customer from the customer input device 152 so that the customer can approve the transaction and complete the remaining request for approval. A function that can be canceled can be added. O The input of the customer identification code for such a purpose can be configured to be performed from the vendor input device 132. Preferably, the customer identification code is a pin number. Alternatively, the customer identification code may be a predetermined customer ecological feature. The customer's ecological features are concepts that include the customer's face shape (face), customer's iris, customer's voiceprint, and customer's fingerprint. In the financial institution system 100, the system receiving unit 110 accepts the information on the transaction transmitted from the merchant communication unit 1336 of the merchant system 130 and the information on the financial strength of the customer, and The customer system 150 is configured to accept information about the transaction transmitted from the customer communication unit 156. The system accepting unit 110 can be configured to accept a date for approving a transaction when a customer enters a date for approving the transaction.

The customer data storage means 112 is configured to store customer data including the name of the customer, the balance of the financial account of the customer, and the pin number of the customer.

The approval request control means 114 receives the transaction information when receiving a transaction request using a financial card such as a credit card, a debit card, or a cash card, and the customer data storage means 112 stores the information. Is configured to determine whether or not to approve the transaction based on the customer data, and to output a transaction confirmation request to confirm the transaction when the transaction is approved. .

The approval / disapproval determination means 1 16 receives the information on the transaction confirmation sent from the customer, and determines whether the customer has confirmed the transaction based on the information on the transaction confirmation request output from the approval request control means 1 14 And outputs a reply to the transaction approval request from the customer. In addition, when the information on the transaction confirmation sent from the customer includes the customer's pin number, the approval / non-approval determination means 1 16 sends a response to approve the bowing I approval request from the customer to the system communication unit 1. It is configured to output to 20. In addition, the approval applicability determination means 1 16 can be configured to accept the date of approving the transaction from the system receiving unit 110 when the customer inputs the date of approving the transaction.

The approval approval / disapproval determination means 1 16 can be configured to determine whether a date for approving the transaction has been input from the customer 150 system. If the date to approve the transaction has been entered from the customer 150 system, the approval acceptability determination means 1 16 The date of approval of the call is output to the system communication unit 120. The system communication unit 120 can be configured to transmit a date of approval of the transaction to the merchant system 130 via the merchant communication system 170. If the date to approve the transaction is not entered from the customer 150 system, the approval request control means 1 14 creates the approval code without sending the date to approve the transaction to the merchant system 130. It can be configured as follows.

The system communication unit 120 transmits the information on the transaction to the vendor receiving unit 1358 of the vendor system 130 and transmits the information on the transaction to the customer receiving unit 158 of the customer system 150. Is composed of

As a modified example, when the financial institution system 100 further receives a transaction request by using a financial card such as a credit card, a debit card, or a cash card, the financial institution system 100 accepts information about the transaction and stores the customer data storage means 1 A related information control means for calculating a post-transaction balance of the customer's financial account with reference to the customer data stored in 1 2 and outputting the calculation result of the post-transaction balance 1 2 2 May be provided. As a modified example, in the financial institution system 100, the approval request control means 114 accepts the information regarding the transaction, confirms the approval request sending point where the approval request from the customer has been sent, and sets the approval request sending point. A configuration may be made so that the method of contacting the customer can be specified in response.

A communication system for traders 170 is provided for transmitting various information including audio information, image information, text information, and the like. The communication system for business operators 170 is a wired telephone system, a wireless telephone system, a mobile phone system, a network system such as an Internet network, a wireless television system, a wired television system, an interactive television system, ISDN, L ANs This is a concept that includes an optical fiber network system.

Information on transactions is sent to the merchant system from the merchant communication section 1 36 of the merchant system 130. It is configured to be electronically transmitted to the system receiving unit 110 of the financial institution system 100 via the system 170. In addition, information related to the transaction is transmitted from the system communication unit 120 of the financial institution system 100 to the business reception unit 138 of the business system 130 via the business communication system 170. Is configured.

Further, a customer communication system 171 is provided for transmitting various information including audio information, image information, and text information. Communication systems for customers 17 1 are wired telephone systems, wireless telephone systems, mobile telephone systems, network systems such as the Internet, wireless television systems, cable television systems, two-way television systems, and ISDNL AN optical fiber networks. This is a concept that includes a network system. The customer communication system 171 may use the same evening system as the trader communication system 170, or may use a different type of system from the trader communication system 170.

Information on the transaction is transmitted electronically from the customer communication unit 156 of the customer system 150 to the system reception unit 110 of the financial institution system 100 via the customer communication system 171. Be composed. Information on the transaction is transmitted from the system communication unit 120 of the financial institution system 100 to the customer reception unit 158 of the customer system 150 via the customer communication system 171. Is composed of

Referring to FIG. 2, in the first embodiment of the transaction approval system of the present invention, each of the merchant systems 130 includes an input device 144 such as a keyboard and a reading device such as a card reader. Equipped with output devices such as device 144, pudding and display device.

The financial institution system 100 includes a computer 122, a storage device 124, a terminal device 126, an output device 127, and a telephone 128. For example, the storage device 124 is formed of any one of a magnetic disk, a magnetic tape, an optical disk, and the like, or an appropriate combination thereof. The terminal device 1 26 is, for example, a personal computer. It consists of a pew, a keyboard, a card reader, etc. The output device 127 is composed of, for example, a printer and a display device. The telephone set 128 is composed of, for example, an ordinary wired telephone, a mobile telephone, a digital mobile telephone, or the like.

In the above-described configuration of the financial institution system 100, the approval request control means 114, the approval availability determination means 116, and the related information control means 122 are provided in the computer 122 as a convenience software. It is better to be. That is, the approval request control means 114, the approval permission / non-permission judgment means 116, and the related information control means 122 create their operation contents and operation procedures in a program, and execute this program It is good to install on 1 2 2. The customer data storage means 112 is preferably provided in the storage device 124.

When the customer system 150 is composed of a wired telephone or a wireless telephone, the communication system 171 is a central office system such as a telephone exchange, a mobile station exchange, and a base station system such as a telephone exchange. Including 1 76.

Each customer 150 system consists of a mobile phone 151 or other digital wireless communication device (eg, a digital mobile phone, a digital mobile radio, etc.). The customer output device 159 includes a display unit provided in the mobile phone 151, a speaker provided in the mobile phone 151, a buzzer provided in the mobile phone 151, a sound type, a vibration type, and the like. Alternatively, it is composed of a printer connected to the cellular phone 151 as an external device. The customer input device 152 is a switch (such as a button switch) provided on the cellular phone 151, a key (such as a numeric keypad), or a keyboard connected to the cellular phone 151 as an external device. Etc.

(1.2) Action

Next, the operation of the system according to the first embodiment of the toyori recognition system of the present invention will be described. Referring to FIG. 1 to FIG. 3, in a first embodiment of the toyori recognition system of the present invention, a customer makes a transaction by using a financial card such as a credit card, a debit card, a cash card, for example, When purchasing merchandise at a retail store, the company that runs the retail store uses the vendor input device 13 2 of the vendor system 130 to deal with transactions such as transaction amount, transaction date, vendor name, and vendor account number. Enter information. In addition, the merchant reads the customer's financial strength by using the merchant system 130's reader 134. A customer identification code and the like are stored in the customer's financial card.

Next, the merchant communication unit 1 36 of the merchant system 130 transmits the information on the transaction input to the merchant input device 1 32 and the information on the customer's financial card read by the merchant reader 1 34, The data is transmitted to the financial institution system 100 through the communication system for business use 170.

Next, in the financial institution system 100, the system receiving unit 110 receives the information on the transaction transmitted from the merchant communication unit 1336 of the merchant system 130 and the information on the customer's financial card. . That is, the system accepting unit 110 accepts the approval request from the customer including the customer identification code (step S181).

Next, the system receiving unit 110 outputs the approval request from the customer transmitted from the supplier communication unit 1336 to the approval request control unit 114.

The customer data storage means 112 stores customer data including the name of the customer, the balance of the financial account of the customer, and the pin number of the customer.

Next, the approval request control means 114 reads the customer data stored in the customer data storage means 112 constituting the data base (step S188) o

Next, the approval request control means 114 determines whether or not to approve the transaction based on the customer data stored in the customer data storage means 112 (step S 18). 3) o

If the approval request control means 1 1 4 determines that the transaction can be approved, The related information control means 122 receives the information on the transaction from the system receiving unit 110, refers to the customer data stored in the customer data storage means 112, and checks the financial account of the customer. The balance after the transaction is calculated, and the calculation result of the balance after the transaction is output to the system transmission section 120. The system transmission unit 120 transmits the calculation result of the balance after the transaction to the customer system 150 via the customer communication system 180 (step S 18).

Four ) .

Next, if the approval request control means 114 determines that the transaction can be approved, the approval request control means 114 sends a transaction δ honey approval request for confirming the transaction to the system transmission section 120. Output to The system transmission unit 120 transmits a transaction confirmation request for confirming the transaction to the customer 150 system via the customer communication system 180 (step S 18).

Five ) .

Next, the approval acceptability determining means 1 16 accepts the information on the transaction confirmation sent from the customer and determines whether or not the customer has confirmed the transaction based on the information on the transaction confirmation request output by the approval request control means. Judgment is made (Step S186). If the customer confirms the transaction, the approval request control means 1 14 creates an approval code (step S 18 9) ο

If necessary, the approval / disapproval determination means 1 16 determines whether or not the date for approving the transaction has been input from the customer 150 system (step S187). If the date to approve the transaction has been input from the customer 150 system, the approval acceptability determination means 1 16 outputs the date to approve the transaction to the system communication section 120. The system communication unit 120 sends the date of approval of the transaction to the merchant system 130 via the merchant communication system 170 (step S188). If the date to approve the transaction has not been entered from the customer 150 system, the approval request control means 1 14 creates the approval code without sending the date to approve the transaction to the merchant system 130. (Step S189). If the customer did not confirm the transaction in step S186, or If it is not determined that the customer has confirmed the transaction after the elapse of the time, the approval determination means 1 16 determines whether the information sent by the customer regarding the confirmation of the transaction includes the customer's pin number. Judge. If it is determined that the information regarding the confirmation of the transaction sent by the customer includes the bin number of the customer, the process proceeds to step S187. If it is determined that the information on the confirmation of the transaction sent from the customer does not include the customer's pin number, the authorization request control means 114 creates a negative code (step S 1991). In step S183, if the approval request control means 114 does not judge that the transaction may be approved, the approval request control means 114 creates a negative code (step S191) o

Next, the approval request control means 114 outputs a reply to the transaction approval request from the customer to the system transmission section 120. The system transmission unit 120 sends a reply to the transaction approval request from the customer to the customer reception unit 158 of the customer system 150 via the customer communication system 180 (step S 192). . The customer output device 159 outputs information on the transaction accepted by the customer receiving unit 158.

(2) Second embodiment of the transaction approval system of the present invention

Next, a second embodiment of the transaction approval 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 transaction approval system of the present invention are different from the configuration and operation of the first embodiment of the transaction approval system of the present invention. Therefore, where there is no description below, the description of the first embodiment of the transaction approval system of the present invention described above applies mutatis mutandis.

(2 1) Configuration

The configuration of the transaction approval system according to the second embodiment of the present invention will be described below.

Referring to FIG. 4, in a second embodiment of the transaction approval system of the present invention, The financial institution has a financial institution system 200 for managing customer account transactions. The financial institution system 200 constitutes a toumi recognition system that can transmit information on whether or not to approve the transaction to the customer when the transaction occurs using the financial card.

The financial institution system 2000 includes a system receiving unit 110, a customer data storage unit 112, an approval request control unit 114, an approval availability determination unit 111, and a confirmation necessity determination unit 212. 10 and a system transmission unit 120.

Companies that are outside the financial institution and have business with the financial institution are composed of the 1st, 2nd, 3rd,. Each trader has a trader system 230 for managing transactions with financial institutions. For simplicity, FIG. 4 shows only the first merchant system 230.

The trader system 230 includes a trader input device 132, a trader reader 134, a trader communication section 136, a trader accepting section 138, and a trader output device 139.

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 with financial institution 200. Each customer has a customer system 240, 250, etc. for managing transactions with financial institutions. For simplicity, FIG. 4 shows only one of the first customer system 240 and the second customer system 25 °.

The first customer system 240 includes a first customer input device 242, a first customer communication unit 244, a first customer reception unit 246, and a first customer output device 248. . The second customer system 250 includes a second customer input device 2 52, a second customer communication unit 2 54, a second customer reception unit 2 56, and a second customer output device 2 58. .

In the financial institution system 200, the system receiving unit 110 includes information on the transaction transmitted from the merchant communication unit 1 36 of the merchant system 230 and the customer's financial card And information on the transaction transmitted from the first customer communication unit 244 of the first customer system 240, and transmitted from the second customer communication unit 254 of the second customer system 250 Configured to accept information about the transaction to be made.

The approval request control means 1 1 4 receives the transaction information when receiving a transaction request using a financial card such as a credit card, a debit card, or a cash card, and stores the customer data overnight. (2) Based on the customer data stored in (2), decide whether to approve the transaction, and if it is acceptable to approve the transaction, output a response to the customer's request for approval of the bow It is configured to Further, the approval request control means 1 14 accepts the information regarding the transaction, confirms the approval request sending point where the approval request from the customer has been sent, and responds to the approval request sending point to communicate with the customer. It is preferable that the method be configured so that the method can be specified.

The confirmation necessity determining means 210 is configured to accept information on the transaction sent from the customer and output a transaction confirmation request for confirming the transaction to the customer. When the customer confirms the transaction, the approval request control means 1 14 outputs the reply to the transaction approval request from the customer based on the transaction confirmation signal output by the confirmation necessity determining means 2 10. Be composed.

The system communication unit 120 transmits the information on the transaction to the vendor receiving unit 1380 of the vendor system 230, and transmits the information on the transaction to the first customer receiving unit 24 of the first customer system 240. 6. It is configured to be transmitted to the second customer receiving section 256 of the second customer system 250.

A trader communication system 270 is provided for transmitting various information including audio information, image information, text information, and the like. The communication system 270 for the carrier is a network such as a wired telephone system, a wireless communication system, a mobile telephone system, and an Internet connection network. Network system, wireless television system, cable television system, interactive television system, ISDN, LAN, optical fiber network system, etc.

Information on the transaction is transmitted electronically from the merchant communication unit 1336 of the merchant system 230 to the system receiving unit 110 of the financial institution system 200 via the merchant communication system 270. Be composed. In addition, information on transactions may be transmitted from the system transmission section 120 of the financial institution system 200 to the trader acceptance section 138 of the trader system 230 via the trader communication system 270. Is composed of

Further, a first customer communication system 272 and a second customer communication system 274 are provided for transmitting various information including audio information, image information, text information, and the like. The first customer communication system 272 is a wired telephone system, a wireless telephone system, a mobile phone system, a network system such as the Internet, a wireless television system, a wired television system, an interactive television system, an ISD Ns LAN optical fiber network system. , Or an appropriate combination thereof. The second customer communication system 274 is a wired telephone system, a wireless telephone system, a mobile phone system, a network system such as Inuichi Net, a wireless television system, a wired television system, an interactive television system, an ISD It can be composed of any one of Ns LAN ヽ fiber optic network system, etc., or an appropriate combination thereof. With this configuration, information about the transaction can be efficiently transmitted.

The first customer communication system 272 may use the same type of system as the trader communication system 270 or may use a different type of system from the trader communication system 270 . The second customer communication system 274 may use the same type of system as the business communication system 270 or a different type of system from the business communication system 270. The first customer communication system 2 7 2 The same type of system as the second customer communication system 274 may be used, or a system different from the second customer communication system 274 may be used.

Information on the transaction of the first customer is electronically transmitted from the first customer communication unit 244 of the first customer system 240 to the system of the financial institution system 200 via the first customer communication system 272. It is configured to be transmitted to the receiving unit 110. Information on transactions of the first customer is received from the system transmission section 120 of the financial institution system 20 via the first customer communication system 272 via the first customer communication system 272. It is configured to be transmitted to the unit 246.

Information on the transaction of the second customer is electronically transmitted from the second customer communication unit 254 of the second customer system 250 to the financial institution system 200 via the first customer communication system 274. It is configured to be transmitted to the receiving unit 110. In addition, information on the transaction of the second customer is transmitted from the system transmission unit 120 of the financial institution system 200 to the second customer system 250 via the second customer communication system 274. It is configured to be communicated to part 256.

Referring to FIG. 5, in the second embodiment of the Tori I approval system of the present invention, a financial institution system 200 includes a computer 220, a storage device 222, and a terminal device 222. And an output device 246 and a terminal adapter 228 (for ISDN) (or a modem for a telephone line) connected to the convenience store 220. Information about the transaction is communicated by email. That is, information about the transaction is transmitted to the first customer system 240 by electronic mail via the customer subscription network 272 such as Internet.

In the above-described configuration of the financial institution system 200, the approval request control means 114, the approval permission / non-permission judgment means 116, and the S hobby approval necessity judgment means 210 are composed of computer software 22 It is good to be set to 0. In other words, the approval request control means 114, the approval permission / non-permission judgment means 116, and the confirmation necessity judgment means 210 are It is better to create the contents of the operation and the operation procedure of the program into a program, and install this program on the user interface. It is preferable that the customer data storage means 1 1 and 2 be provided in the storage device 22.

Each company's system 230 is a personal computer 232, a reader 2324 such as a card reader, an output device 2336 such as a printer, and a terminal adapter connected to the personal computer 2332. 2 3 8 (for ISDN) (or modem for telephone line). In this configuration, information about the transaction is transmitted to the trader system 230 by e-mail via a trader participation network 270 such as an in-net network.

The first customer system 240 has a personal computer 264, a printer 266 connected to the personal computer 264, and a terminal adapter 268 connected to the personal computer 264 ( (In case of ISDN) (or modem in case of telephone line). In this configuration, the first customer input device 242 and the first customer output device 248 are constituted by a personal computer 264. With this configuration, the information on the transaction of the first customer can be transmitted electronically and automatically from the system communication section 120 via e-mail via the customer subscribing network 272. It can be transmitted to a personal computer 264 of 240.

The personal computer 264 electronically accepts information regarding the transaction of the first customer, displays the information regarding the transaction on the display device of the personal computer 264, and, if necessary, displays the information regarding the transaction. Print with pudding 2 6 6 ο

In addition, the first customer inputs information for confirming the transaction into the personal computer 264. This transaction confirmation information is transmitted electronically from the first customer communication section 244 of the first personal system 240 of the first customer system 240 through the customer subscribing network 272. It is transmitted electronically and automatically to the system receiving unit 110 of the convenience store 220 of the financial institution system 200 electronically and automatically.

(2 ・ 2) action

Next, the operation of the transaction approval system according to the second embodiment of the present invention will be described.

Referring to FIG. 4 to FIG. 6, in a second embodiment of the bow recognition system according to the present invention, the customer uses a credit card such as a credit card, a debit card, or a cash card to take a bow. I. For example, when purchasing merchandise at a retail store, the retailer who runs the retail store uses the vendor input device 13 2 of the vendor system 230 to settle the transaction amount, transaction date, vendor name, and vendor account number. Enter information about the transaction, such as In addition, the merchant reads the customer's financial card using the merchant system 230 and the merchant reader 134. A customer identification code and the like are stored in the customer's financial card.

Next, the merchant communication unit 136 of the merchant system 230 transmits the information on the transaction inputted to the merchant input device 132 and the information on the customer's financial card read by the merchant reader 134. The data is transmitted to the financial institution system 200 via the communication system for the company (a company subscription network) 270.

Next, in the financial institution system 2000, the system receiving unit 110 receives the information on the transaction transmitted from the merchant communication unit 1 36 of the merchant system 230 and the information on the customer's financial card. . That is, the system accepting unit 110 accepts an approval request from the customer including the customer identification code (step S2281).

The customer data storage means 112 stores customer data including the name of the customer, the balance of the customer's financial account, and the pin number of the customer. Next, the approval request control means 114 reads the customer data stored in the customer data storage means 112 constituting the database (step S2882).

Next, the approval request control means 1 14 determines whether or not to approve the transaction based on the customer data stored in the customer data storage means 1 12 (step S 2 8 3) o

If the approval request control means 114 determines that the transaction can be approved, the approval request control means 114 confirms the approval request transmission point (source) where the approval request from the customer was sent (step S284).

As a result of the approval request control means 114 confirming the approval request sending location (source) where the customer's approval request was sent, the approval request controlling means 114 responds to the approval request sending location, Identify the method of contacting the customer (step S 285). For example, when the approval request transmission point is a store located in the basement, the approval request control means 114 uses a wired transmission method (for example, an ISDN or a communication method using a telephone line) to contact the customer. Is determined. For example, when the approval request transmission point is a store that does not use ISDN, the approval request control means 114 determines the contact method with the customer as a wireless transmission method (for example, a communication method using a mobile phone). I do.

Next, the confirmation necessity judging means 210 judges whether or not the customer needs to confirm the transaction based on the approval request transmission point (source) (step S288).

If the confirmation necessity determination means 210 determines that the customer needs to confirm the transaction, the S 萑 recognition necessity determination means 210 outputs a transaction confirmation request to the customer to confirm the transaction. Then, the necessity of confirming the bow bow I is confirmed (Step S287).

The confirmation necessity determining means 210 confirms the necessity of confirming the transaction with the customer.As a result, when the customer confirms the transaction, the approval acceptability determining means 1 16 receives the information on the confirmation of the transaction sent from the customer. Accept, and determine whether the customer has confirmed the transaction based on the information on the transaction confirmation request output by the confirmation necessity determination means 210. Floor S2 8 8). If the customer confirms the transaction, the approval request control means 114 creates an approval code (step S2889).

In the step S286, when the confirmation necessity determination means 210 determines that the customer does not need to confirm the transaction, the confirmation necessity determination means 210 determines the approval request control means 111 Creates data that does not require approval based on the information output by the confirmation necessity determination means 210 that does not require confirmation (step S290).

If the customer has not confirmed the transaction in the above step S288, or if it has not been determined that the customer has confirmed the transaction after a certain period of time, the approval request control means 114 is A negative code is created (step S291).

If the approval request control means 114 does not judge that the bow request I can be approved in the step S283, the approval request control means 114 creates a negative code (step S2911). ) o

Next, the approval request control means 114 outputs a reply to the transaction approval request from the customer to the system transmission section 120. The system communication unit 120 transmits a reply to the transaction approval request from the customer to the first customer receiving unit 2 46 of the first customer system 240 via the first customer communication system 272 ( Stage S292). The first customer output device 248 outputs information on the transaction accepted by the first customer receiving unit 246. In the second embodiment of the transaction approval system of the present invention, the operation when the second customer makes a transaction using the financial force is the same as the above-described operation for the first customer.

(3) Third Embodiment of Transaction Approval System of the Present Invention

Next, a third embodiment of the transaction approval system of the present invention will be described. The following description is based on the point that the configuration and operation of the third embodiment of the transaction approval system of the present invention are different from the configuration and operation of the second embodiment of the tori I approval system of the present invention. Is mainly described. Therefore, where there is no description below, the description of the above-described second embodiment of the transaction approval system of the present invention applies mutatis mutandis.

Referring to FIG. 4, FIG. 5, and FIG. 7, in a third embodiment of the transaction approval system of the present invention, when a customer makes a transaction using a financial card, for example, when purchasing a product at a retail store, The trader who manages the trader inputs information about the transaction by using the trader input device 132 of the trader system 230. Further, the merchant reads the customer's financial card using the merchant system 230 and the merchant reader 134. A customer identification code and the like are stored in the customer's financial strength code.

Next, the merchant communication unit 136 of the merchant system 230 transmits the information on the transaction inputted to the merchant input device 132 and the information on the customer's financial card read by the merchant reader 134. The data is transmitted to the financial institution system 200 via the communication system for the business (manufacturer subscription network) 270.

Next, in the financial institution system 2000, the system accepting unit 110 accepts an approval request from the customer including the customer identification code (step S381).

Next, the approval request control means 114 reads the customer data stored in the customer data storage means 112 constituting the database (step S3802).

Next, the approval request control means 1 14 determines whether or not to approve the transaction based on the customer data stored in the customer data storage means 1 12 (step S 3 83) o

If the approval request control means 114 determines that the transaction may be approved, the confirmation necessity determining means 210 outputs a request for approval of the bow to confirm the transaction to the customer. In this case, the system communication unit 120 sends the transaction confirmation request to the customer by a plurality of methods.

(Step S 3 8 4). For example, the system transmission unit 120 is a wired telephone system, wireless Telephone systems, mobile phone systems, network systems such as the Internet, wireless television systems, cable television systems, interactive television systems, ISDN, LANs, and optical fiber network systems, etc. Send a transaction confirmation request to the customer.

The method of transmitting a transaction confirmation request to a customer by the plurality of methods described above can be applied to any embodiment in the bowing I approval system of the present invention.

The confirmation necessity determining means 210 confirms the necessity of confirming the transaction with the customer.As a result, when the customer confirms the transaction, the approval acceptability determining means 1 16 receives the information on the transaction confirmation sent from the customer. Accepted, it is determined whether or not the customer has confirmed Tori I based on the information on the transaction confirmation request output by the confirmation necessity determination means 210 (step S385). If the customer confirms the transaction, the approval request control means 114 creates an approval code (step S3886).

In step S385, if the customer has not confirmed the transaction, or if it has not been determined that the customer has confirmed Tori I after a certain period of time, the approval request control means 11 4 creates a negation code (step S387).

If the approval request control means 114 does not judge that the transaction may be approved in step S3803, the approval request control means 114 creates a negative code (step S380) ο

Further, the system of the present invention can be configured so that, if necessary, the customer can enter the pin number to approve the transaction and cancel the remaining request for approval.

Next, the approval request control means 114 outputs a reply to the transaction approval request from the customer to the system transmission section 120. The system communication unit 120 transmits a reply to the transaction approval request from the customer to the first customer receiving unit 2 46 of the first customer system 240 via the first customer communication system 272 ( Stage S 3 8 8). 1st customer output device Reference numeral 248 outputs information on the transaction accepted by the first customer receiving unit 246. + In the second embodiment of the transaction approval system of the present invention, the operation when the second customer makes a transaction by using the financial force is the same as the above-described operation for the first customer.

(4) Fourth embodiment of the bow recognition 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 retrieval system I of the present invention are different from the configuration and operation of the second embodiment of the account transaction notification system of the present invention. State. Therefore, the description of the above-described second embodiment of the account transaction notification system of the present invention applies mutatis mutandis to places not described below.

(4.1) Configuration

Referring to FIG. 8, in a second embodiment of the transaction approval system of the present invention, a financial institution includes a financial institution system 400 for managing customer account transactions. The financial institution system 400 constitutes a transaction approval system capable of transmitting information on whether or not to approve the transaction to the customer when the bowing I occurs due to the use of the financial force.

The financial institution system 2000 has a system receiving unit 110, customer data storage means 112, approval request control means 114, approval permission / non-permission judgment means 116, and approval waiting control means 411. 0 and a system transmission unit 120.

In the financial institution system 200, the approval waiting control means 410 is configured to enable the customer to access and to store information on whether or not to approve the transaction. Is done. When a transaction request is made using a financial card such as a credit card or a debit card, the authorization request control means 114 accepts the information on the transaction and the customer data storage means 112 stores it. Based on the customer data, it is determined whether or not to approve the transaction. Output to means 410. The approval waiting control means 410 includes an approval waiting data pace. The approval request for approving the transaction is stored in the approval pending database.

When the customer accesses the approval waiting control means 4 10 and confirms the transaction, the approval request control means 1 14 sends the transaction from the customer based on the transaction confirmation signal output from the approval waiting control means 4 10. It is configured to output a reply to the approval request. The system communication unit 120 transmits the information on the transaction to the vendor receiving unit 1380 of the vendor system 230, and transmits the information on the transaction to the first customer receiving unit 24 of the first customer system 240. 6. It is configured to be transmitted to the second customer receiving section 256 of the second customer system 250.

In the above-described configuration of the financial institution system 200, the approval request control means 114, the approval permission / non-permission determination means 116, and the approval waiting control means 410 are connected to the computer 220 as the software for the convenience of the computer. It is good to be provided. That is, the approval request control means 114, the approval permission / non-permission judgment means 116, and the approval waiting control means 110 create their operation contents and operation procedures in a program, and execute this program on a computer. It is better to install it on 220. Further, the approval waiting control means 410 includes a storage device.

(4.2) Action

Next, the operation of the transaction approval system according to the fourth embodiment of the present invention will be described. Referring to FIG. 8 and FIG. 9, in a fourth embodiment of the transaction approval system of the present invention, when a customer purchases goods at a retail store using a financial card, for example, The company that runs the store inputs information about the transaction using the company input device 132 of the company system 230. In addition, the merchant reads the customer's financial card using the merchant system reader 230. The customer's financial card stores a customer identification code and the like.

Next, the merchant communication unit 136 of the merchant system 230 transmits the information on the transaction inputted to the merchant input device 132 and the information on the customer's financial card read by the merchant reader 134. The data is transmitted to the financial institution system 400 via the communication system for the business (subscriber network) 270.

Next, in the financial institution system 400, the system receiving unit 110 receives an approval request from the customer including the customer identification code (step S481).

Next, the approval request control means 114 reads the customer data stored in the customer data storage means 112 constituting the data pace (step S4802).

Next, the approval request control means 114 determines whether or not to approve the transaction based on the customer data stored in the customer data storage means 112 (step S4803). .

If the approval request control means 114 determines that the transaction can be approved, it outputs information on the approval of the transaction to the approval waiting control means 410. The approval request for approving the transaction is stored in the approval pending database (step S4484). Next, the customer accesses the data base for approval (step S485).

When the customer accesses the approval wait control means 4 10 and waits for the approval waiting time, and confirms the transaction, the approval approval / disapproval determination means 1 16 relates to the confirmation of the transaction sent from the customer. Then, it is determined whether or not the customer has confirmed the transaction based on the information on the bowing I confirmation request output by the approval waiting control means 410 (step S4886). If the customer confirms the transaction, the approval request control means 114 creates an approval code (step S 487).

If the customer has not confirmed the transaction in the above step S 4 86, or if it is not determined that the customer has confirmed the transaction after a certain period of time, the approval request control means 114 is Create a negation code (step S 4 8 8).

If the approval request control means 114 does not judge in the step S 4 83 that the transaction can be approved, the approval request control means 114 creates a negative code (step S 48 88) o

Next, the approval request control means 114 outputs a reply to the transaction approval request from the customer to the system transmission section 120. The system communication unit 120 transmits a reply to the transaction approval request from the customer to the first customer receiving unit 2 46 of the first customer system 240 via the first customer communication system 272 ( Stage S 4 8 9). The first customer output device 248 outputs information on the transaction accepted by the first customer receiving unit 246. In the fourth embodiment of the transaction approval system of the present invention, the operation when the second customer makes a transaction using the financial force is the same as the operation for the first customer described above.

[Industrial applicability]

The transaction approval system of the present invention can also be used in locations where radio waves cannot be transmitted when a transaction occurs using a financial card such as a credit card, debit card, or cash card.

In addition, the transaction approval system of the present invention is used when a transaction occurs using a financial card such as a credit card, a debit card, or a cash card. Information about bow ί such as the balance after bow bow I can be transmitted to the customer. Further, the transaction approval system of the present invention can output the date of approval of the transaction sent from the customer, and can correspond to the approval request sending point where the approval request from the customer is sent, and communicate with the customer. The method can be specified.

Further, the transaction approval system of the present invention can determine the necessity of the customer to confirm the transaction based on the information on the approval request transmission point output by the approval request control means, and can use a plurality of electronic means. A request for approval of the transaction can be output.

Claims

The scope of the claims

1. A transaction approval system capable of electronically transmitting information on whether or not to approve a transaction to a customer when a transaction has occurred using a financial card, comprising: a name of the customer; Customer data storage means for storing customer data including the balance and the customer pin number;

When a transaction request is made by using a financial card such as a credit card, a debit card, or a cash card, information on the transaction is accepted, and the transaction is performed based on the customer data stored in the customer data storage means. Approval request control means for outputting a transaction confirmation request for confirming the transaction when it is determined whether or not to approve the transaction;

Whether or not the customer has received the information regarding the confirmation of the bow I sent from the customer, and based on the information regarding the request for the bow chewing that is output by the approval request control means, has the customer confirmed the bow described above. Approval approval / disapproval determination means for outputting a reply to the transaction approval request from the customer,

The approval approval / disapproval determination means is configured to output a reply for approving the transaction approval request from the customer when the information on the confirmation of the transaction sent from the customer includes the pin number of the customer. Has been

Further, when a request for a transaction using a financial card such as a credit card, a debit card, or a cash card is received, information on the transaction is accepted, and the customer data stored in the customer data storage means is stored. And a related information control means for calculating a balance after the bowing I of the financial account of the customer and outputting a calculation result of the balance after the bowing.

A system characterized in that:

2. A transaction approval system capable of electronically transmitting information on whether or not to approve the transaction to a customer when a transaction has occurred using a financial card, comprising: a name of the customer; Customer data storage means for storing customer data including the balance and the customer pin number;

When receiving a transaction request using a financial card such as a credit card, a debit card, or a cash card, accepting information on the transaction, based on the customer data stored in the customer data storage means, Approval request control means for determining whether to approve the transaction, and outputting a transaction confirmation request for confirming the transaction when judging that the transaction can be approved;

Upon receiving the information on the confirmation of the bow I sent from the customer, it is determined whether or not the customer has confirmed the bow I based on the information on the transaction confirmation request output by the approval request control means. Approval approval / disapproval determination means for outputting a reply to the transaction approval request from the customer,

The approval approval / disapproval determining means outputs a reply for approving the transaction approval request from the customer when the information on confirmation of the bow I sent from the customer includes the pin number of the customer. It is composed of

The approval approval / disapproval determination unit is configured to receive a date for approving the transaction sent from the customer, and output the date.

A system characterized in that:

3. A transaction approval system capable of electronically transmitting to a customer information on whether or not to approve the transaction when a transaction using a financial card has occurred, the customer's name, the customer's financial account Customer data storage means for storing customer data including the balance and the customer pin number;

When receiving a transaction request by using a financial card such as a credit card, a debit card, or a cash card, accepting the information on the transaction, Based on the customer data stored in the customer data storage means, it is determined whether or not the transaction can be approved, and when it is determined that the transaction can be approved, the transaction is confirmed. Approval request control means for outputting a transaction confirmation request for

Based on the information on the confirmation of the transaction sent from the customer, based on the information on the transaction confirmation request output by the approval request control means, determine whether the customer has confirmed the prefetch bow I, Approval for outputting a reply to the transaction approval request from the customer,

The approval approval / disapproval determination means is configured to output a reply for approving the transaction approval request from the customer when the information on the confirmation of the transaction sent from the customer includes the bin number of the customer. Has been

The approval request control means receives the information related to the transaction, confirms an approval request transmission place where the approval request from the customer has been transmitted, and responds to the approval request transmission place to communicate with the customer in the previous term. The system is configured to be able to identify the system.

4. A transaction approval system that can electronically transmit to a customer information on whether or not to approve the transaction when a transaction has occurred using a financial card, the customer's name, the customer's financial account Customer data storage means for storing a customer data including a balance and a pin number of the customer;

When receiving a request for bowing I by using a financial card such as credit card, debit card, or cash card, the information about bowing I is accepted and stored in the customer data storage means. It is determined whether or not to approve the transaction based on the customer data, and when it is determined that the transaction can be approved, a transaction confirmation request for confirming the transaction is output. Request control means for

Upon receiving the information on the confirmation of the transaction sent from the customer, and based on the information on the transaction confirmation request output by the approval request control means, the customer

3,5 Determination means for determining whether or not the storage bow I has been confirmed, and for outputting a reply to the transaction approval request from the customer;

Further, based on the information on the approval request transmission point output by the approval request control means, an approval necessity determination means for determining whether the customer needs to confirm the transaction is provided.

A system characterized in that:

5. A transaction approval system that can electronically transmit information on whether or not to approve the transaction to a customer when a transaction occurs using a financial card, the customer's name, the customer's financial account Customer data storage means for storing customer data including the balance and the customer pin number;

When a transaction request is made using a financial card such as a credit card, a debit card, or a cash card, information on the transaction is accepted, and the customer data stored in the customer data storage means is stored. Based on the evening, it is determined whether or not the transaction can be approved, and when it is determined that the transaction can be approved, an approval to output a request for confirmation of the transaction I for confirming the transaction I Request control means;

Accepting information on the confirmation of the transaction sent from the customer, and determining whether the customer has confirmed the transaction based on the information on the transaction confirmation request output by the approval request control means; Approval approval / disapproval determination means for outputting a reply to a transaction approval request from a customer,

The approval approval / disapproval determination means outputs a reply for approving the transaction approval request from the customer when the information on the confirmation of the bow I sent from the customer includes the bin number of the customer. It is composed of The approval request control means is configured to be able to output an approval request for the transaction by a plurality of electronic means.

A system characterized in that:

6. A transaction approval system that can electronically transmit to a customer information on whether or not to approve the transaction when a transaction has occurred using a financial card, the customer's name, the customer's financial account Customer data storage means for storing customer data including the balance and the customer pin number;

When a transaction request is made by using a financial card such as a credit card, a debit card, or a cash card, the information on the tori I is accepted, and based on the customer data stored in the customer data storage means. An authorization request control means for determining whether or not to approve the transaction, and, when judging to approve the transaction, outputting a bow I confirmation request for confirming the transaction; and ,

It receives information on the confirmation of the bow I sent from the customer, and determines whether or not the customer has confirmed the transaction based on the information on the transaction confirmation request output by the approval request control means. Approval approval / disapproval determination means for outputting a reply to the transaction approval request from the customer,

In addition, the customer is provided with a customer identification code that is configured to allow the customer to approve the transaction and cancel the remaining request for approval,

A system characterized in that: