JP2001319058A - Financial processing system, system processing method of financial processing system, and recording medium with recorded program for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enables a financial processing system to obtain both the convenience for users and the security. SOLUTION: When a user changes a transfer limit amount by using an information processing terminal 10, the change of the transfer limit amount is reflected on a transfer limit amount table in a customer information database 41 not immediately, but three days later. Consequently, even if a 3rd person changes the transfer limit amount for an illegal purpose, transfer processing can not be performed immediately with the changed transfer limit amount, so the damage to the user can be minimized.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial processing system, a system processing method of the financial processing system, and a recording medium recording a program therefor.

[0002]

2. Description of the Related Art It has become possible for a user to make a transfer request to a financial institution using a network such as the Internet. In other words, the designated amount can be transferred from one user's account to another user's account by requesting a transfer from the information processing terminal without having to go to a store of a financial institution such as a bank. Such a mechanism is called network banking.

[0003] Due to this network banking, there are many cases in which a transfer amount to which a user can make a transfer is limited. Such a restriction can be set, for example, by setting a transfer limit that can be transferred within one day from one account, or can be transferred during one day using one network banking ID. This is done by setting a transfer limit. By setting a limit on the transfer limit in this way, it is possible to minimize the amount of damage if there is a person who attempts to perform illegal acts by illegally obtaining the network banking ID and password.

In order to set the transfer limit, it is necessary to fill in the transfer limit desired by the user in an application form and submit it to a financial institution such as a bank in advance. Further, in order to change the transfer limit, it is necessary to again fill in the transfer limit desired by the user in the change application form and submit it to a financial institution such as a bank.

[0005]

However, in order to improve the convenience of the user, it is desirable that the transfer limit can be changed by the user using the information processing terminal. However, if it is assumed that the information processing terminal can be used to freely change the network banking transfer limit, those who try to obtain illegal network banking IDs and passwords and try to act fraudulently will also be required. You will be able to change the amount. For this reason, if this is done, there is a problem that the meaning of providing the transfer limit in network banking is lost.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and in a financial processing system for realizing network banking, a user can change a transfer limit using an information processing terminal. It is another object of the present invention to provide a financial processing system in which the security of a user is secured for a person who intends to commit fraud. That is, an object of the present invention is to provide a financial processing system that achieves both user convenience and security.

[0007]

In order to solve the above problems, a financial processing system according to the present invention is a financial processing system for performing financial transactions between a plurality of users and a financial institution via a network. A limit holding unit that holds a limit of a transaction related to finance when the user performs a transaction related to finance; and a limit that accepts that the user changes the limit of the transaction related to finance via a network. The present invention is characterized by comprising: an amount change receiving unit; and a reflecting unit that reflects the change of the limit amount received by the limit amount change receiving unit to the limit amount holding unit after a lapse of a predetermined period.

[0008] A system processing method of a financial processing system according to the present invention is a system processing method of a financial processing system in which a plurality of users and a financial institution make financial transactions through a network, wherein the user is related to financial services. A limit holding step for holding a limit of a transaction related to finance as limit information when conducting a transaction, and a limit for accepting that a user changes the limit of a transaction related to finance via a network; It is characterized by comprising a change receiving step and a reflecting step of reflecting the change of the limit received in the limit change receiving step on the limit information after a lapse of a predetermined period.

A recording medium according to the present invention is a recording medium for recording a program relating to a system processing of a financial processing system for performing financial transactions between a plurality of users and a financial institution via a network. A limit holding step of holding a limit of a transaction relating to finance as limit information when performing a transaction relating to the transaction, and accepting a user to change the limit of the transaction relating to finance via a network. A program comprising: a change amount receiving step; and a reflecting step of reflecting the change in the limit amount received in the limit amount change receiving step in the limit amount information after a predetermined period has elapsed. .

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the present embodiment, when a user changes a transfer limit in network banking using an information processing terminal, the change in the transfer limit is reflected after a predetermined number of days have elapsed. It is intended to improve the convenience of the user and to ensure the safety of the user against a person who tries to commit fraud. This will be described in more detail below.

First, an overall configuration of network banking according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a block diagram showing the overall configuration of network banking to which the present embodiment is applied.

As shown in FIG. 1, a user who is a customer of a financial institution such as a bank operates a personal computer 12, a mobile phone 14, a television set 16 and the like to access network banking. The personal computer 12 is connected to a telephone line or the like via a modem or the like, and is connected to an external public network 20 through the telephone line. The public network 20 is, for example, the Internet. The mobile phone 14 is also connected to the public network by performing appropriate operations. In the case of the mobile phone 14, i-mode (NTT CORPORATION), one of the services provided by NTT DOCOMO, INC.
It is connected to a public network 20 via a registered trademark of T. Docomo). The television set 16 has a function of connecting to a telephone line or the like, and is connected to the public network 20 through the telephone line or the like. In the present embodiment, user terminals capable of performing information processing such as the personal computer 12, the mobile phone 14, and the television set 16 are collectively referred to as an information processing terminal 10.

On the financial institution side, a reception server 30 connected to the public network 20 is provided. Instructions related to various financial transactions are input to the reception server 30 from the information processing terminals 10 of a plurality of users via the public network 20. In addition, the reception server transmits various responses to the information processing terminal 10 of each user via the public network 20.

The reception server 30 is connected to a business processing system 40 also located at a financial institution, and this business processing system 40 is also connected to an electronic mail server 35 and a transaction processing system 50 also located at a financial institution.

As will be described in detail later, the business processing system 4
At 0, a customer information database 42 and a reception database 44 are provided. The transaction processing system 50 includes:
An accounting database 52 is provided. The account database 52 records a deposit balance and a deposit / withdrawal history for each account.

The transaction processing system 50 is connected to the Zengin system 60 through a line to the outside of the financial institution. Then, it is connected to the system of another financial institution via the whole silver system 60. For example, when this financial institution is instructed to transfer to another financial institution, the processing is executed via this all-silver system 60.

The e-mail server 35 transmits an e-mail to an e-mail address reported by each user based on a request from the business processing system 40. The transmission of the e-mail is also performed via the public network 20.

The above-described reception server 30, e-mail server 35, business processing system 40, and transaction processing system 50
Thus, the financial processing system 70 according to the present embodiment is configured. In the present embodiment, the reception server 30, the e-mail server 35, and the business processing system 4
Although the financial processing system 70 is realized by four computers including the transaction processing system 50 and the transaction processing system 50, the present invention is not limited to this mode. For example, the financial processing system 70 may be realized by one computer by integrating these four computers, or may be realized by more computers.

The division of the various databases provided in the financial processing system 70 is not limited to the above example. For example, the above-described various databases may be integrated into one, or may be divided into more databases. Further, the financial processing system 70 may have a database other than this.

Next, the transfer limit changing process of the financial processing system 70 according to the present embodiment will be described with reference to FIGS. FIG. 2 is a flowchart illustrating a process of the financial processing system 70 in a case where the user requests a change of the transfer limit using the information processing terminal 10. 3 to 6 are diagrams showing screens displayed on the information processing terminal 10 of the user.

The processing shown in FIG. 2 is performed by a "query / change of transfer limit" button B1 on the initial screen W1 shown in FIG.
It is activated by clicking.

As shown in FIG. 2, the financial processing system 70
When a request to change the transfer limit is received from the information processing terminal 10, the business processing system 40 searches the transfer limit table of the customer information database 42,
The current transfer limit is checked for each account of the user, and the account database 52 is searched through the transaction processing system 50 to check the current deposit balance for each account of the user (step S10). Then, the list is transmitted to the information processing terminal 10 via the reception server 30, and the list shown in FIG.
Is displayed (step S11). However, the search and display of the current deposit balance are not always necessary, and can be omitted in this processing. In addition, as will be described in detail later, in the present embodiment, a transfer limit change request that is registered in the reception database 44 and not yet reflected by the user is also searched. However, the search and display of the reception database 44 are not always necessary and can be omitted.

As shown in FIG. 4, a transfer limit list T20 is displayed on the transfer limit change input screen W2. In the example of FIG. 4, this user has five accounts as network banking accounts. The transfer limit list T20 includes, for each account, a branch name I20, a subject I21, an account number I22, a current deposit balance I23, a current transfer limit I24, a changed transfer limit I25, and registration. It has situation I26.

The user inputs the transfer limit to be changed in the item of the transfer limit I25 after the change in the transfer limit list T20. Here, for example, it is assumed that the transfer limit from the ordinary account 0998510 of the Gotanda branch is changed to 1,000,000 yen. In other words, the current transfer limit of 0 yen,
Change to 1 million yen. Here, the user only needs to input the changed transfer limit for the account for which the transfer limit is to be changed. Therefore, if you do not enter anything in the item of the transfer limit I25 after the change,
The current transfer limit will be maintained.

In the present embodiment, the registration status I26 indicates the status of acceptance of a change in the transfer limit.
In the example of FIG. 4, the ordinary account 2345678 of the Shimbashi branch is
It is displayed that the transfer limit is accepted for change. In the present embodiment, even if the user changes the transfer limit from the information processing terminal 10,
The information is not immediately reflected, but is temporarily registered in the reception database 44 and is reflected in the transfer limit table of the customer database 42 three days later. For this reason, changes in the transfer limit have been accepted, but those that have not yet been reflected are carefully displayed in the item of the registration status I26.

The user who has finished inputting the changed transfer limit I25 clicks the "Next" button B20. Thus, the changed transfer limit newly input by the user is transmitted to the business processing system 40 via the public network 20 and the reception server 30. The business processing system 40 that has received the changed transfer limit checks the validity of the transfer limit (step S12). For example, it is checked whether the transfer limit after the change does not exceed 1,000,000 yen.

If the transfer limit after the change is appropriate, the business processing system 40
The transfer limit change execution screen W3 shown in FIG. 5 is displayed on the information processing terminal 10 of the user, and the user is prompted to input a confirmation password (step S13).

As shown in FIG. 5, a transfer limit list T20 is also displayed on the transfer limit change execution screen W3. Here, the portion of the item of the transfer limit I25 after the change is changed to the amount input earlier. That is, in the example of FIG. 5, the ordinary account 0998 of the Gotanda branch is
The transfer limit I25 after the change in 510 has been changed to 1,000,000 yen. Therefore, the user can confirm the details of the change of the transfer limit performed by the user on the transfer limit change execution screen W3.

Further, for the ordinary account 2345678 of the Shinbashi branch whose change of the transfer limit is being accepted, it can be confirmed that the change of the accepted transfer limit is 800,000 yen. After confirming these contents, if it is determined that the changed contents are acceptable, the confirmation password is entered in the field T.
Enter 30. This confirmation password is different from the login password given to the user from the financial institution to access the network banking, and is used to confirm the intention of the input person when inputting the processing relating to the financial transaction from the information processing terminal 10. This is the password provided for the password. Then, the user presses the “change execution” button B
Click 30.

Thus, the confirmation password is transmitted to the business processing system 40 via the reception server 30. The business processing system 40 determines whether the transmitted confirmation password matches the confirmation password reported by the user in advance. Specifically, the business processing system 40 searches the confirmation password table in the customer information database 44, and checks whether the confirmation password of the user registered in advance matches the confirmation password transmitted this time. ,to decide. If the two match, it means that the transfer limit change input has been completed.
6 (step S14).

Next, the business processing system 40 displays the transfer limit change acceptance confirmation screen W4 shown in FIG. 6 on the information processing terminal 10 of the user via the acceptance server 30 (step S15). As shown in FIG. 6, on the transfer limit change acceptance confirmation screen W4, the transfer limit list T20 is displayed again, and the date on which the transfer limit changed this time is reflected is displayed in a confirming manner. . Here, when the user clicks the “go to initial screen” button B40, the display of the information processing terminal 10 of the user returns to the initial screen shown in FIG.

Next, the business processing system 40 notifies the user via the electronic mail server 35 that the request for changing the transfer limit has been received by electronic mail (step S16). Specifically, the business processing system 40 searches the e-mail address table of the customer information database 42, and checks the e-mail address registered by the user in advance. Then, an e-mail to the effect that the request for changing the transfer limit has been received is transmitted to the e-mail address via the e-mail server 35.

Further, the business processing system 40 searches the reception database 44 at a predetermined period, for example, at the first system startup of a day, and checks whether or not there is a transfer limit change request corresponding to the third day. Then, if there is a transfer limit change request corresponding to the third day, the transfer limit is changed (step S17). That is, based on the contents of the transfer limit change request, the transfer limit table of the customer information database 42 is updated, and the transfer limit change request registered in the reception database 44 is deleted.

As described above, according to the financial processing system 70 according to the present embodiment, even if a request to change the transfer limit is received from the information processing terminal 10 of the user, the change request is actually sent after a certain period of time. It will be reflected in the transfer process. For this reason, a person who illegally obtains the network banking ID, login password, and confirmation password and tries to make a fraudulent transfer, such as making a large transfer from another account to his / her account, changed the transfer limit. Even then, the transfer process cannot be immediately performed with the changed transfer limit. Therefore, even if the network banking ID, the login password, and the confirmation password are illegally obtained, the amount of damage to the user can be minimized.

When a change in the transfer limit is received, the financial processing system 70 confirms that the change in the transfer limit has been received from the electronic mail server 35 to the e-mail address registered by the user. If the user notices the fraud before the change in the transfer limit is actually reflected, the fraudulent transfer process will be performed by notifying the financial institution, etc. Can also be prevented.

In addition, when the change of the transfer limit is accepted in the change application form as in the past, it took about one week to 10 days in consideration of the number of days required for postal mail, etc. In the embodiment, since the transfer limit can be changed by operating the information processing terminal 10 of the user, the transfer process can be performed after three days with the changed transfer limit. Therefore, user convenience in network banking is improved.

Up to this point, the processing for changing the once set transfer limit has been described. Next, the processing for setting the transfer limit for the first time will be described.

The case where the transfer limit is set for the first time is the case where the user logs in to the network banking for the first time. That is, when the user operates the information processing terminal 10 and connects the information processing terminal 10 to the reception server 30,
A login screen W10 shown in FIG. 7 is displayed on the screen of the information processing terminal 10.

In the field T100 of the login screen W10 shown in FIG.
D is entered, and a login password is entered in a field T101. The network banking ID and the login password are obtained, for example, in the following procedure.

First, a user who wants to use network banking fills in a predetermined application form with an arbitrary login password and reports to a financial institution. The financial institution sends a confirmation password by mail to the user who applied for the application. The user accesses a screen dedicated to obtaining a network banking ID in network banking,
The network banking ID is acquired using the login password and the confirmation password. The user can obtain the network banking I obtained in this manner.
D and the login password in fields T100, T100
It is input to 101. In the present embodiment, the login password and the confirmation password can be arbitrarily changed by the user. Further, in the present embodiment, when logging in to the network banking for the first time, as shown in FIG. 8 described later, the change of the login password and the confirmation password is forced.

After inputting the network banking ID and the login password in these fields T100 and T101, the user clicks the "login" button B100. As a result, the network banking ID
And the login password via the reception server 30,
It is transmitted to the business processing system 40.

In the business processing system 40, the network banking ID table and the login password table of the customer information database 42 are searched, and the input network banking ID and the login password are obtained.
Judge whether it matches the pre-registered regular one. If both match, the business processing system 40 displays the password change input screen W11 shown in FIG. 8 on the information processing terminal 10 of the user via the reception server 30.

The password change input screen W11 shown in FIG.
In, the user enters the current login password in the field T110. Also, field T111
And a new login password for confirmation in field T112.

Further, the user inputs the current confirmation password in the field T113. Field T
Enter a new confirmation password in 114,
In the field T115, a new confirmation password is entered again for confirmation. Then, the “change execution” button B110 is clicked. Thereby, the data input to these fields T110 to T115 are transmitted to the business processing system 40 via the reception server 30.

Subsequently, the business processing system 40 displays a customer information registration input screen W12 shown in FIG. 9 on the information processing terminal 10 of the user via the reception server 30. In the customer information registration input screen W12 of FIG. 9, the user inputs his / her own e-mail address in the field T120 and inputs his / her own e-mail address again in the field T121 for confirmation. Further, the user inputs the telephone number of his / her contact in field T122.

Next, on the customer information registration input screen W12, the user performs initial setting of the transfer limit for each account. That is, as shown in FIG. 9, an account list T123 is displayed on the customer information registration input screen W12. In this account list T123, all accounts that the user has in the financial institution and that are targets of network banking are displayed.

The account list T123 contains, for each account,
It has items of a branch name I120, a subject I121, an account number I122, a current deposit balance I123, and a transfer limit I124. The transfer limit I124 is an input item for the user to set the transfer limit.

When accessing the network banking for the first time, the user must set a transfer limit once for all of the accounts. For this reason, the user must input a certain amount of money in units of 10,000 yen including 0 yen for all of the transfer limit I124. The user who has completed these inputs is in the field T124.
Enter the password for confirmation. Then, the “execute registration” button B120 is clicked.

Thus, the data of all the input items is transmitted to the business processing system 40 via the reception server 30. After checking the validity of these data, the business processing system 40 registers these data as appropriate. That is, the new network banking ID is registered in the network banking ID table of the customer information database 42. The new login password is registered in the login password table of the customer information database 42. Enter a new verification password
It is registered in the confirmation password table of the customer information database 42. The e-mail address entered this time is registered in the e-mail address table of the customer information database 42. The transfer limit entered this time is registered in the transfer limit table of the customer information database 42.

After the series of registration processing is completed, the business processing system 40 displays the initial screen shown in FIG. 3 on the information processing terminal 10 of the user. This allows the user to normally accept network banking.

Next, the processing of the financial processing system 70 when the user makes a transfer request using the information processing terminal 10 will be briefly described.

When the user uses the information processing terminal 10 to input a request to make a transfer from his own account to a third party's account, the financial processing system 70 determines that the transfer amount exceeds the transfer limit. Check for any. That is, the business processing system 40 uses the customer information database 4
The transfer limit table of No. 2 is searched, and it is confirmed whether or not the current transfer request amount exceeds the transfer limit amount of the transfer source account. If the current transfer request amount does not exceed the transfer limit in the current transfer source account, the financial processing system 70 executes the transfer process as requested by the user.
If the current transfer request amount exceeds the transfer limit in the current transfer source account, the financial processing system 70
An error message is displayed on the screen of the information processing terminal 10 of the user without executing the transfer process.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the above-described embodiment, the user actually changes the transfer limit three days after changing the transfer limit. However, the period during which the transfer limit is changed is not limited to three days. Absent. That is, if this period is too short, the person attempting to commit the fraud will change the transfer limit and before the user who owns the account notices that the transfer limit has been changed, There is a possibility that the change in the transfer limit is reflected in the actual transfer processing. On the other hand, if this period is too long, when the true user attempts to change the transfer limit, the change application form is mailed rather than changing the transfer limit via the public network 20 at the information processing terminal 10. If you send to a financial institution, the change in the transfer limit will be reflected sooner. Therefore, the period from when the transfer limit is changed by the user to when the transfer limit is actually reflected is determined by a balance between these two points.

Further, in each of the above-described embodiments, the transfer limit has been described as an example of the limit of the transaction relating to finance. However, the present invention is not limited to this. For example, the present invention can be applied to a case where the limit of financial transactions such as the purchase of investment trusts and the deposit of foreign currency deposits is changed. That is, in the financial processing system 70, the present invention can be applied to a process of changing the limit of a transaction relating to finance. The financial institution to which the present invention can be applied should be interpreted in a broad sense, and includes any financial institution such as a bank, a securities company, a life insurance company, a non-life insurance company, and a post office.

For each process described in the above embodiment, a program for executing each process is stored in a floppy (registered trademark) disk, CD-ROM (Compact Dimm).
It can be recorded on a recording medium such as a sc-Read Only Memory (ROM), a ROM, or a memory card and distributed in the form of a recording medium. In this case, the above-described embodiment can be realized by causing a computer constituting the financial processing system 70 to read and execute the recording medium on which the program is recorded.

The computer constituting the financial processing system 70 may include another program such as an operating system or another application program. In this case, utilizing other programs provided in the computer constituting the financial processing system 70, the recording medium includes, from the programs provided in the computer, an instruction for calling a program for realizing processing equivalent to that of the present embodiment. It may be recorded.

Further, such a program can be distributed not as a recording medium but as a carrier through a network. The program transmitted in the form of a carrier wave on the network is taken into a computer constituting the financial processing system 70, and the above-described embodiment can be realized by executing the program.

Further, when a program is recorded on a recording medium or transmitted as a carrier wave over a network, the program may be encrypted or compressed.
In this case, the computer constituting the financial processing system 70 that reads the program from the recording medium or the carrier wave needs to execute the program after decrypting and expanding the program.

[0059]

As described above, according to the present invention,
When a user changes the limit of a financial transaction via a network, the change is not immediately reflected in the financial processing system but is reflected after a certain period of time. Improperly changes the limit on financial transactions, such as when a person changes the transfer limit and cannot immediately transfer a large amount of money from another person's account to his / her own account. Can be prevented.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of network banking to which the present invention is applied.

FIG. 2 is a flowchart illustrating a transfer limit changing process according to an embodiment of the present invention.

FIG. 3 is a diagram showing an initial screen displayed on a user's information processing terminal in a transfer limit changing process.

FIG. 4 is a view showing a transfer limit change input screen displayed on a user's information processing terminal in a transfer limit change process.

FIG. 5 is a diagram showing a transfer limit change execution screen displayed on a user's information processing terminal in a transfer limit change process.

FIG. 6 is a diagram showing a transfer limit change acceptance confirmation screen displayed on the information processing terminal of the user in the transfer limit change process.

FIG. 7 is a diagram showing a login screen displayed on the information processing terminal of the user in the first transfer limit setting process.

FIG. 8 is a view showing a password change input screen displayed on the information processing terminal of the user in the first transfer limit setting process.

FIG. 9 is a diagram showing a customer information registration input screen displayed on the information processing terminal of the user in the first transfer limit setting process.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Information processing terminal 12 Personal computer 14 Mobile telephone 16 Television set 20 Public network 30 Reception server 40 Business processing system 42 Customer information database 44 Reception database 50 Transaction processing system 52 Account database 60 Zengin system

Claims (7)

[Claims] 1. A financial processing system for performing a financial transaction between a plurality of users and a financial institution via a network, wherein the user holds a financial transaction limit when the user conducts a financial transaction. Limit holding means, a limit change receiving means for accepting that the user changes the limit of a transaction relating to finance via a network, and a limit change receiving means received by the limit change receiving means. And a reflecting means for reflecting the change to the limit holding means after a lapse of a certain period of time. 2. The financial processing system according to claim 1, wherein the predetermined period is in days. 3. The financial processing system according to claim 1, wherein the transaction related to finance is a transaction related to transfer. 4. The financial processing system according to claim 3, wherein the limit is a daily transfer limit for each account held by each user. 5. When the limit change accepting means accepts a change in the limit, the limit change accepting means sends an e-mail to the pre-registered e-mail address of the user to inform the user of the change in the limit. The financial processing system according to claim 1, wherein the financial processing system transmits the electronic mail by e-mail. 6. A system processing method for a financial processing system for performing a financial transaction between a plurality of users and a financial institution via a network, the method comprising: Keep the limit as limit information,
A limit holding step, a limit change receiving step for accepting that the user changes the limit of the transaction related to finance via a network, and a change of the limit received in the limit change receiving step. Reflecting the limit amount information after a lapse of a certain period of time. 7. A recording medium for recording a program related to a system processing of a financial processing system for performing a financial transaction between a plurality of users and a financial institution via a network, wherein the user executes a financial transaction. , Retain the financial transaction limit as limit information,
A limit holding step, a limit change receiving step for accepting that the user changes the limit of the transaction related to finance via a network, and a change of the limit received in the limit change receiving step. And a reflecting step of reflecting the limit amount information after a lapse of a certain period of time.