JP2001319059A - 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 make a user find illegal access for network banking in its early stage. SOLUTION: An operation processing system 40 when receiving a request for a financial transaction through a public network 20 sends electronic mail showing that the request is received to an electronic mail address that a user considered to make the request previously reports. The operation processing system 40 when actually processing the received request sends electronic mail showing that the request is received to the electronic mail address that the user considered to make the request previously reports. Consequently, the user is made to find an illegal request for financial transaction in its early stage.

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 Various financial transactions can be performed between a user and a financial institution using a network such as the Internet. That is, even if the customer does not go to a store of a financial institution such as a bank, these procedures can be performed only by giving an instruction such as a transfer procedure or purchase of an investment trust from the information processing terminal.
Such a mechanism is generally called network banking.

[0003]

In this network banking, when these financial transactions are performed, there is a case where the financial institution wants to notify the user for confirmation. In such a case, using e-mail,
Since e-mail has no confidentiality, there is a risk that the contents may be read or altered by anyone.

[0004] In addition, a method of transmitting an encrypted electronic mail to a user from a financial institution is also conceivable. However, since the encrypted electronic mail and the network banking are separated from each other, the electronic mail received by the user can be obtained. There was a problem that it was difficult to grasp the relationship between email and network banking.

[0005] In such network banking, it is necessary that the user, who is the user, can detect the presence of unauthorized access from anyone other than the user at an early stage. For this reason, by displaying the last time of logging in with the network banking ID on the initial screen displayed first after logging in to network banking, the individual can confirm that an unauthorized third party has not accessed. Like that. Furthermore, the user can use the confirmation screen of the transaction status regarding the past finance,
It is possible to check whether there is any unauthorized third-party processing. However, in such a method, the user must log in to the network banking regularly and have to be conscious of regularly checking the processing contents using the confirmation screen by himself / herself. There was a problem that can not be prompted.

[0006] For example, a list of financial transaction acceptance results and processing results is sent from the financial institution to the user on a monthly basis, and the contents of the list are confirmed, so that there is no unauthorized third-party processing. There is a way to check whether it is. However, since processing by mail takes time, there is a problem in that it is delayed to detect the presence of an unauthorized third-party processing.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and has a financial system capable of promptly notifying a user when a financial transaction request is received or a financial transaction is processed. It is an object to provide a processing system.

[0008] Further, by combining an encrypted communication method and an unencrypted communication method, information on a financial transaction can be promptly notified to a user who has requested the transaction, and the specific information can be obtained. An object of the present invention is to provide a financial processing system that secures the confidentiality of a target content.

[0009]

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. Receiving means for receiving a financial transaction request via a network,
A request processing unit that actually processes a financial transaction request received by the receiving unit, and when the receiving unit receives a financial transaction request via a network,
And e-mail transmitting means for transmitting an e-mail to a user who has requested the financial transaction in at least one of cases where the request processing means has processed a financial transaction. And

[0010] The financial processing system according to the present invention includes:
A financial processing system for performing a transaction related to finance between a plurality of users and a financial institution via a network, and accepting a transaction request related to finance via a network by an encrypted communication method, a receiving unit, A request processing unit that actually processes a financial transaction request received by the receiving unit, and a request processing unit that receives a financial transaction request via a network; and
An e-mail transmission in which, in at least one of cases where the request processing means processes a financial transaction, an e-mail is transmitted to a user who has requested the financial transaction by an unencrypted communication method. Means,
A browsing unit, which allows the user who has requested the financial transaction to browse the contents of the financial transaction via a network by an encrypted communication method,
It is characterized by having.

[0011] A system processing method for a financial processing system according to the present invention is a system processing method for a financial processing system in which financial transactions are performed between a plurality of users and a financial institution via a network. Accepting a financial transaction request, a receiving step, actually processing the financial transaction request received in the receiving step, a request processing step, and receiving a financial transaction request via a network in the receiving step; and ,
An e-mail transmitting step of transmitting an e-mail to a user who has requested the financial transaction in at least one of cases in which the financial transaction is processed in the request processing step. .

[0012] A system processing method for a financial processing system according to the present invention is a system processing method for a financial processing system for performing financial transactions between a plurality of users and a financial institution via a network. ,
In accordance with the encrypted communication method, a financial transaction request is received, a receiving step, a financial transaction request received in the receiving step is actually processed, a request processing step, and the financial processing is performed via a network in the receiving step. When a transaction request is received, and in at least one of cases where a transaction related to finance is processed in the request processing step, a user who has requested the transaction related to finance, by an unencrypted communication method, An e-mail transmitting step of transmitting an e-mail, and a browsing step of allowing a user who has requested the financial transaction to browse the contents of the financial transaction via a network by an encrypted communication method. And the following.

[0013] A recording medium according to the present invention is a recording medium in which a program relating to system processing of a financial processing system for performing financial transactions between a plurality of users and a financial institution via a network is recorded. Receiving a transaction request related to finance via a receiving step; actually processing the transaction request related to finance received at the receiving step; a request processing step; and receiving a transaction request related to finance via the network at the receiving step. And transmitting an e-mail to a user who has requested the transaction related to finance in at least one of cases where the transaction related to finance is processed in the request processing step. It is recorded.

[0014] A recording medium according to the present invention is a recording medium in which a program relating to system processing of a financial processing system for performing financial transactions between a plurality of users and a financial institution via a network is recorded. Through the encrypted communication method, accept a transaction request related to finance, a receiving step, actually process the transaction request related to finance received in the receiving step, a request processing step, and a network in the receiving step If we receive a financial transaction request
And transmitting, by an unencrypted communication method, an e-mail to a user who has requested the financial transaction in at least one of cases where the financial transaction is processed in the request processing step. A program comprising: an e-mail transmission step; and a browsing step of causing a user who has requested the financial transaction to browse the contents of the financial transaction via a network by an encrypted communication method. It is characterized by having done.

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In this embodiment, when a request for various financial transactions is received, and when the financial transaction is processed, a user who is supposed to request the financial transaction is notified in advance. By sending an e-mail to the registered e-mail address indicating that a financial transaction has been accepted or an e-mail resulting from processing the financial transaction, the user can quickly detect unauthorized third-party processing. It is something that can be done.

Further, since ordinary e-mail has no confidentiality, confidential information out of financial transaction information is not notified to the user by e-mail, but simply informs the user that there has been a financial transaction. The notification is made by e-mail, and the specific contents are notified by an information board, which is a process in network banking with confidentiality. 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, it is assumed that 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 when accessing 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 in a financial institution, and this business processing system 40 is also connected to an e-mail server 35, a financial officer reception system 36 and a transaction processing system also in a financial institution. 50.

As will be described in detail later, the business processing system 4
0, a customer information database 42, an information board database 44, and a reception database 46 are provided. The transaction processing system 50 includes an accounting database 52. 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.

A terminal 37 for a financial institution of a financial institution to access the financial processing system 70 is connected to the financial institution receiving system 36. By operating this terminal 37, the financial staff of the financial institution can give various operations and instructions to the financial processing system 70.

The above-described reception server 30, electronic mail server 35, financial person reception system 36, business processing system 40, and transaction processing system 50 constitute a financial processing system 70 in this embodiment.

In the present embodiment, the financial processing system 7 is composed of five computers including the receiving server 30, the e-mail server 35, the financial person receiving system 36, the business processing system 40, and the transaction processing system 50.
0 is realized, but the present invention is not limited to this mode. For example, these five computers may be integrated to implement the financial processing system 70 with one computer,
It may be realized by being distributed to more computers.

The division of 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 financial transaction processing 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 series of processes of the financial processing system 70 when a user makes a financial transaction using the information processing terminal 10. FIG.
At the time of this financial transaction, the user's information processing terminal 1
It is a figure showing the screen displayed on No. 0. FIG. 4A is a diagram showing the structure of the e-mail address table TB1 in the present embodiment, and FIG. 4B is a diagram showing the structure of the representative account table TB2 in the present embodiment.
Is a diagram showing a structure of an information board table TB3 in the present embodiment.

As shown in FIG. 2, a user who intends to make a financial transaction by using network banking operates the information processing terminal 10 and requests a log-in to the network banking provided by the financial processing system 70 (step S10). . In this case, the reception server 30 displays the login input screen W1 shown in FIG. 3 on the information processing terminal 10 of the user who logs in to network banking. On this login screen W1, the user inputs the network banking ID in the field T10,
A login password is entered in a field T11. Then, the "login" button B10 is clicked. Thus, the network banking ID input by the user
And the login password via the reception server 30,
It is transmitted to the business processing system 40.

In the present embodiment, an encrypted link is formed between the information processing terminal 10 of the user and the financial processing system 70 from the time when the login input screen W1 is displayed. In the present embodiment, the encryption between the information processing terminal 10 of the user and the financial processing system 70 is performed by SSL.
(Secure socket layer). Therefore, the subsequent exchange of information between the information processing terminal 10 and the financial processing system 70 has substantially no risk of being read or falsified by a third party. For this reason, for example, the network banking ID and the login password transmitted from the information processing terminal 10 of the user to the financial processing system 70 are encrypted, so that an unauthorized third party can obtain the information on the public network 20. There is virtually no risk of being done. The encryption method is not limited to SSL, and may be another method.

Next, as shown in FIG. 2, the financial processing system 70 performs a process of accepting this login (step S11). Specifically, the business processing system 40 in the financial processing system 70 is
And determines whether the network banking ID entered by the user exists in the financial processing system 70. Also,
The business processing system 40 searches the login password table of the customer information database 42, and checks the login password registered corresponding to the network banking ID. Then, it is determined whether or not the registered login password matches the login password entered by the user. When the login password entered by the user matches the login password registered corresponding to the network banking ID entered by the user, the business processing system 40
Allow the user to log in. On the other hand, if they do not match, the login of the user is not permitted.

The user permitted to log in operates the information processing terminal 10 to request various financial transactions by network banking (step S12).
The transaction request related to finance is transmitted to the business processing system 40 via the reception server 30. The business processing system 40 performs a process of receiving a request for a transaction relating to finance (step S13). Specifically, the business processing system 40 registers the transaction request related to finance in the reception database 46 as a transaction request.

Here, various transactions regarding finance can be considered. For example, from a bank account with a user,
There may be a case where a transfer is made to another person's deposit account, or a case where a user pays out funds from a certain deposit account to create a time deposit.

Next, the business processing system 40 sends an e-mail to the user to the effect that a transaction relating to finance has been accepted (step S14). Specifically, the business processing system 40 searches the e-mail address table of the customer information database 42, and checks the e-mail address that the user has previously notified.

In the present embodiment, one of the accounts opened by the user at the financial institution is used as a representative account, and this representative account is used as a unique key for specifying the user. That is, in order to specify the user's e-mail address, the financial processing system 70 performs user management by replacing the logged-in network banking ID with the representative account of the user. For this reason, the business processing system 40 uses the customer information database 42 shown in FIG.
The representative account table TB2 is searched to identify the representative account corresponding to the user's network banking ID. This representative account includes a branch number, a subject, and an account number. A business processing system 40 that specifies this representative account
Searches the email address table TB1 of the customer information database 42 shown in FIG. 4A based on the representative account. The e-mail address table TB1 in the present embodiment holds e-mail addresses in association with the user's representative account. For this reason, the business processing system 40 searches the e-mail address table TB1 and specifies an e-mail address corresponding to the user who has made a request for this financial transaction. Then, an e-mail is transmitted to the e-mail address to the effect that a transaction related to finance has been accepted. The transmission of the e-mail is performed via the e-mail server 35.

In the present embodiment, this e-mail is intended to transmit only the contents indicating that a financial transaction has been accepted, and does not include detailed contents thereof. This is because this email is not encrypted,
This is because the contents may be read by a third party or the contents may be falsified.

The e-mail address notified by the user in advance is configured to forcibly prompt registration when the user first logs in to this network banking. Also, the email address registered once,
The system allows the user to make changes freely. However, when the change of the e-mail address is received, the business processing system 40 transmits an e-mail indicating that the e-mail address has been changed to both the e-mail address before the change and the e-mail address after the change. It has become. This is because, when an unauthorized third party changes the e-mail address without permission, the authentic user is notified that the e-mail address has been changed.

Next, the business processing system 40 registers information indicating that a financial transaction has been accepted in the information board (step S15). Specifically, the business processing system 40 registers information at the time of receiving a transaction relating to finance in the information board database 44.

In this embodiment, detailed information of the accepted financial transaction is described in the information board. That is, specific transaction contents such as a specific transfer amount, a transfer partner, and a deposit amount are included.

On the other hand, the e-mail transmitted from the e-mail server 35 is transmitted via the public network 20 via an e-mail server (not shown) to which the user has subscribed at an arbitrary timing. (Step S16). This allows the user to know that a financial transaction has been accepted by the financial processing system 70. That is, even if the user does not access this network banking himself,
You can know that financial transactions have been accepted by Network Banking. For this reason, when the user receives an e-mail of a transaction related to finance that he / she has not remembered, the user can early detect an unauthorized third-party access.

FIG. 5 is a diagram showing the configuration of the information board table TB3 stored in the information board database 44. As shown in FIG. 5, the information board table TB3
Representative account number I1, message number I2, management number I
3, registration date and time I4, entry method I5, registration destination type I
6, a section I7, a display period I8, a publication date I9, a deletion date I10, a title I11, an error number I12, a fixed phrase number I13, a mail number I14, a status I15, an access date and time I16, and a message I17.

For example, the title of the information registered in the information board is stored in the title I11. For example, "guidance of service suspension", "confirmation of transaction contents for July" and the like. Here, since the user is notified of the content of the acceptance of the transaction relating to the finance, titles such as "notice of acceptance of transfer instruction" and "notice of acceptance of time deposit deposit" are stored.

The e-mail number I14 stores the standard sentence number of the e-mail transmitted in step S14. Therefore, the contents of the text of the e-mail sent to the user can be specified by the mail number I14.
In this embodiment, since only simple information without confidentiality is transmitted by e-mail, in principle, the contents of the sentence need only be fixed sentences.

The status I15 stores whether the content registered in the information board is in an unread state in which the user has not yet read, is in a browsed state that has already been read, or has already been deleted. .

The message I17 stores information to be notified to the user. Here, the contents of the transaction related to finance are stored, and a message such as, for example, "On April 20, an instruction to transfer 100,000 yen to the XX branch, savings account, and account number XXX" was received. Is stored.

Next, as shown in FIG. 2, the financial processing system 70 performs actual processing of the accepted transaction request (step S17). In the present embodiment, the transaction processing system 50 in the financial processing system 70
The reception database 46 is searched at a rate of the number of times, and the transaction requests registered in the reception database 46 are collectively processed. Specifically, the transaction processing system 50 performs the following based on the transaction request registered in the reception database 46.
The account database 52 is operated to perform a transfer process, a term deposit deposit process, and the like.

Next, the business processing system 40 in the financial processing system 70 transmits the processing result to the user by e-mail (step S18). Specifically, the business processing system 40 searches the e-mail address table TB1 (see FIG. 4A) of the customer information database 42, and checks the e-mail address notified by the user in advance. Then, an e-mail to the effect that the transaction request has been processed is transmitted to the e-mail address. The transmission of the e-mail is performed via the e-mail server 35.

In the present embodiment, this e-mail is to be transmitted only to the effect that a financial transaction has been carried out, and not to include the detailed contents. This is because this email is not encrypted,
This is because the contents may be read by a third party or the contents may be falsified.

Next, the business processing system 40 registers information on the execution of the financial transaction in the information board (step S19). Specifically, the business processing system 40 registers information on the execution of a financial transaction in the information board database 44.

In the present embodiment, detailed information on the result of executing a transaction related to the finance is described in the information board. That is, specific transaction contents such as a specific transfer amount, a transfer partner, and a deposit amount are included.

On the other hand, the e-mail transmitted from the e-mail server 35 is transmitted via the public network 20 via an e-mail server (not shown) to which the user has subscribed at an arbitrary timing. (Step S20). Thus, the user can know that some financial transaction has been executed in the financial processing system 70. That is, even if the user does not access this network banking by himself, it is possible to know that the transaction related to finance has been processed by the network banking. For this reason, when the user receives an e-mail of a transaction related to finance that he / she has not remembered, the user can early detect an unauthorized third-party access.

In this series of financial transaction processing, the user can log out of the network banking at an arbitrary timing. Generally, at the time when a transaction request related to finance is received in step S13 described above, the user operates the information processing terminal 10 to log off from network banking (step S30).

Next, referring to FIGS. 6 to 11, a description will be given of browsing processing when a user browses an information board of network banking using the information processing terminal 10. FIG. FIG. 6 is a flowchart for explaining the browsing process. 7 to 11 are diagrams showing screens displayed on the information processing terminal 10 of the user in the browsing process.

As shown in FIG. 6, first, the user operates the information processing terminal 10 to log in to network banking (step S40). Financial processing system 70
Performs the login acceptance process (step S4).
1). The processing in steps S40 and S41 is the same as the processing in steps S10 and S11 described above. Therefore, the confidentiality of the communication contents between the information processing terminal 10 of the user and the financial processing system 70 has been ensured since the login input screen W1 shown in FIG.

An initial screen W10 shown in FIG. 7 is displayed on the information processing terminal 10 of the user permitted to log in.
As shown in FIG. 7, on the initial screen W10, an information board list T100 is displayed. The information board list T100 displays information on information boards that the user has not viewed yet. The example of FIG. 7 indicates that three unread information exists.

As a specific process, the business processing system 40 executes the information board table TB3 of the information board database 44 (see FIG. 5).
Search for registered information that has not yet been viewed for the logged-in user. Whether the user has viewed the information registered in the information board table TB3 can be determined by checking the status I15 of the registered information. If there is registration information that has not been browsed, the message number I2, registration date and time I4, publication deadline date I9, category I7, title I11
In the form of a list, and the information processing terminal 10 of the user.
Is displayed as an information board list T100. These contents are the message number I101, the guide date I102, the publication end date I103, and the publication end date I103 in the information board list T100 shown in FIG. 7, respectively.
This is displayed as title I104.

The user selects one piece of registration information he wants to read from the information board list T100 (step S42). Specifically, the user checks one column of the selection I100 and clicks a “display message content” button B100. Thereby, the registration information selected by the user is transmitted to the business processing system 40 via the reception server 30.

The business processing system 40 searches the information board table TB3 of the information board database 44, and checks the message I17 of the registration information selected by the user. Then, as shown in FIG. 8, a message content display screen W11 including the message content is displayed on the information processing terminal 10 of the user (step S43). In this case, the message I17 in the information board table TB3 shown in FIG.
Detailed information I on the message content display screen W11 shown in FIG.
Displayed at 110.

The user who browses the message content on the message content display screen W11 and finishes reading the message content clicks the "go to initial screen" button B110 (step S44). Thereby, the business processing system 40 displays the above-described initial screen W10 shown in FIG. 7 again on the information processing terminal 10 of the user (step S45).

In the initial screen W10, when the user clicks on "display all titles" B101 (step S46), the business processing system 40 displays the all title display screen shown in FIG. W
12 is displayed (step S47). In the all title display screen W12, the registration information of the user registered in the information board table TB3 before deletion is displayed in the all title list table T120, regardless of whether or not the user browsed. The contents of the status I15 of the information board table TB3 shown in FIG. 5 are displayed in the state I120 of the all title list T120 shown in FIG.

When the user wants to browse the registered information, as in step S42 described above, one registered information is selected from the selection I100, and the "message content display" button B120 is clicked. The displayed message content display screen W11 is displayed, and the message content can be read.

To delete the already viewed registration information, the user operates the all title display screen W12 shown in FIG.
, One of the registration information to be deleted is selected from the selection I100, and the "message deletion" button B121 is clicked (step S48). Thereby, the selected registration information is transmitted to the business processing system 40 via the reception server 30.

The business processing system 40 includes the reception server 30
The message deletion screen W13 shown in FIG. 10 is displayed on the information processing terminal 10 of the user via (step S4).
9). The user clicks the “execute deletion” button B130 on the message deletion screen W13 (step S50).

As a result, the business processing system 40 deletes the registration information from the information board (step S51). Specifically, the business processing system 4
0 searches the information board table TB3 of the information board database 44, and stores the date when the deletion was executed in the deletion date I10 in the registration information. Thus, for the user, the registration information has been deleted from the information board. However, the deleted registration information exists in the data in the information board table TB3 for a certain period. For this reason, even if the user deletes the necessary registration information by mistake, the financial officer of the financial institution performs a predetermined operation from the terminal 37,
It is also possible to restore the registered information.

Subsequently, the business processing system 40 transmits the information to the user's information processing terminal 10 via the reception server 30 as shown in FIG.
Is displayed (step S52). The user confirms this message deletion confirmation screen W
In 14, the user clicks the "confirm" button B140 (step S53), and the display of the information processing terminal 10 of the user returns to the initial screen W10 shown in FIG. 7 (step S54).

Next, referring to FIGS. 12 to 16, a description will be given of a manual registration process in which a financial officer of a financial institution operates the terminal 37 to register information in the information board. FIG. 12 is a flowchart illustrating the manual registration process. 13 to 16
FIG. 7 is a diagram showing a screen displayed on a terminal 37 when a financial person performs manual registration.

As shown in FIG. 12, the financial staff at the financial institution operates the terminal 37 to request a log-in to the network banking (step S60). Specifically, the financial officer inputs the financial officer ID and the financial officer password to the terminal 37. The input financial manager ID and financial manager password are transmitted to the business processing system 40 via the financial manager reception system 36.

The business processing system 40 accepts this login request (step S61). Specifically, the business processing system 40 collates the financial clerk ID with the financial clerk password, and permits login if they match.

When the business processing system 40 permits the login, the business processing system 40
The initial menu screen W20 shown in FIG. 13 is displayed on the terminal 37 (step S62). Here, it is assumed that the user has selected "Information board registration" on this initial menu screen W20 (step S63). The business processing system 40 receiving this selection displays the registration destination selection screen W21 shown in FIG. 14 on the terminal 37 (step S6).
4). Here, it is assumed that the user has selected “Register to individual customer” on this registration destination selection screen W21 (step S6).
5).

The business processing system 40 receiving this selection
Displays the individual customer message registration screen W22 shown in FIG. 15 on the terminal 37 (step S66). The financial officer displays the individual customer message registration screen W22
The necessary data is input (step S67).

As shown in FIG. 15, the individual customer message registration screen W22 includes a representative account input field I220, a mail number input field I221, a mail transmission necessity input field I222,
A section input field I223, a posting period input field I224, a title input field I225, and a message input field I226 are displayed.

In the representative account input column I220, the representative account of the user who is to register on the information board is input.

In the mail number input column I221, when sending an electronic mail to the user registered in the information board, a fixed sentence number of the electronic mail is input. The mail number input field I221 is an item corresponding to the mail number I14 of the information board table TB3 shown in FIG. In the present embodiment,
Since the e-mail message is limited to only the standard text, it is sufficient to input only the standard text number in the mail number input field I221. However, an arbitrary message may be input in the input field of the e-mail, and an arbitrary message may be transmitted to the user by e-mail.

In the mail transmission necessity input column I222, the user who registers information in the information board
Select whether you need to send an e-mail. That is, when information is registered in the information board, there are cases where an electronic mail needs to be transmitted and cases where it is not necessary to transmit an electronic mail. For this reason, the financial staff inputs the necessity of transmission of the e-mail in the mail transmission necessity input column I222.

In the section input box I223, the section of information registered in the information board is input. In the present embodiment, there are four types of this category: “notification”, “confirmation”, “information”, and “important”. The “notification” corresponds to, for example, a notification to a user regarding various services related to network banking and the like.
The “confirmation” corresponds to, for example, a notification of confirmation regarding an individual transaction of network banking. For example, confirmation of a transfer request acceptance, confirmation of a transfer result, and the like. "Guidance"
For example, a notification to the user such as a direct mail of a bonus campaign or the like corresponds. “Important” corresponds to important communication information to the user, such as, for example, information indicating that the transfer request cannot be processed. For example, the notification indicates that transfer processing cannot be performed due to a shortage of balance or a time deposit cannot be deposited due to insufficient balance. The section input column I223 is an item corresponding to the section I7 of the information board table TB3 shown in FIG.

In the publication period input column I224, the publication period of the information registered in this information board is entered. In this embodiment, this posting period is “40
Select from "day", "3 months" and "1 year". This posting period input field I224 is an item corresponding to the display period I8 of the information board table TB3 shown in FIG.

The title of information to be registered in the information board is input in the title input field I225.
The contents of the title are arbitrarily input by a financial officer. The title input field I225 is an item corresponding to the title I11 of the information board table TB3 shown in FIG. For this reason, the contents entered in the title input field I225 correspond to the title I1 in the information board list T100 on the initial screen W10 shown in FIG.
05 is displayed.

The message of information to be registered in the information board is input to the message input field I226. The contents of the message are arbitrarily input by a financial officer. This message input field I226 is a message I1 of the information board table TB3 shown in FIG.
This is an item corresponding to 7. Therefore, the content input in the message input field I226 is displayed on the detailed information I110 of the message content display screen W11 shown in FIG.

The financial staff member who has input these items clicks a "register" button B220. As a result, the contents input on the individual customer message registration screen W22 are transmitted to the business processing system 40 via the financial clerk reception system 36. In the business processing system 40,
The transmitted contents are stored in the information board table TB of the information board database 44.
3 (step S68).

The registration destination selection screen W21 shown in FIG.
In the case where the financial officer selects "register to all customers", the all customer message registration screen W2 shown in FIG.
3 is displayed. This all customer message registration screen W23
In, since all users are registered in the information board, the representative account input field I220 on the individual customer message input screen W22 shown in FIG. 15 is not displayed. On the other hand, when notifying all customers of the message, it is considered that there are many fixed phrases, so the fixed phrase number input field I230 is displayed. Further, by clicking the "e-mail address FD output" button B230, the e-mail addresses registered for all users are output to a portable recording medium such as a floppy (registered trademark) disk.

As described above, according to the financial processing system 70 according to the present embodiment, when a request for a transaction related to finance is received in network banking, the transaction related to finance is sent to the e-mail address previously notified by the user. We have decided to send an e-mail to the effect that we have accepted. For this reason, the user can quickly discover that a third party is going to make an illegal financial transaction without accessing network banking.

Further, when the financial transaction system 70 actually processes the financial transaction, the financial processing system 70 transmits an e-mail indicating that the financial transaction has been performed to the e-mail address previously notified by the user. . For this reason, the user can quickly discover that a third party is going to make an illegal financial transaction without accessing network banking.

Further, in the present embodiment, confidential information is not sent by e-mail, but is registered in the information board, and when the user browses the information board, the user and the financial processing system 70 communicate with each other. It was decided to exchange information using a communication method that was encrypted between them. Therefore, it is possible to communicate necessary information to the user while ensuring the confidentiality of the information. For example, when a user or a third party with an unintended intention makes a transfer request using network banking, only a notification to the effect that the transfer request has been accepted is sent to the user by e-mail, and the user can remember the transfer request. If no transfer request is made, a genuine user can quickly know that an unauthorized intention of a third party exists in the e-mail. The specific contents such as the transfer amount and the transfer destination can be known by a genuine user by browsing the information board shown in FIGS.

Also, with regard to the processing result of the transaction request relating to finance performed by oneself, the fact that the processing has been executed can be known by e-mail, and the specific contents can be known by the information boards shown in FIGS. 7 and 8. be able to. For this reason, it is possible to notify the user of the presence or absence of a financial transaction while maintaining the confidentiality of information in network banking.

In addition, since the authentication of the user himself / herself is shared between the authentication of the network banking and the authentication of the information board, the user can browse the contents of the information board only by logging in to the network banking. It becomes possible. That is, a user who intends to make a financial transaction using network banking automatically sees the information board list T100 on the initial screen W10 shown in FIG. The existence of the notification from the financial institution can be automatically known.

In other words, a financial institution that accepts a transaction request for finance using network banking can alert the user to various transactions, so that unauthorized third parties can access network banking. It can be revealed early.

Further, the financial staff of the financial institution checks the status I15 of the information board table TB3 shown in FIG. 5 to determine whether the user has viewed the information registered in the information board.
You can check. Therefore, important information can be sent from the financial institution to the user using the information board.

[0108] Also, notices regarding sales promotion such as direct mail can be easily distributed by registering them in the information board as notices for all customers. For this reason, it is possible to reduce the cost of mailing and the cost of paperwork at the financial institution. In addition, by using the information board, it is possible to reply to a sales promotion including confidential personal information and a consultation on detailed information of an individual.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the above-described embodiment, the e-mail address of the user who made the transaction request at both the point in time when the transaction request for finance was received and the point in time when the transaction related to Although the summary e-mail is transmitted, the e-mail may be transmitted at any one of the points.

The financial institutions to which the present invention can be applied should be interpreted in a broad sense, and include all financial institutions such as banks, securities companies, life insurance companies, non-life insurance companies, post offices, and the like.

For each process described in the above embodiment, a program for executing each of the processes is stored in a floppy disk, CD-ROM (Compact Disc-Read Only).
Memory), a ROM, a memory card, and the like, and can be 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.

[0094] When a program is recorded on a recording medium or transmitted as a carrier 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.

[0095]

As described above, according to the financial processing system of the present invention, at least one of a case where a transaction request related to finance is received via a network and a case where the received transaction related to finance is processed. In the case of (1), the user is notified by e-mail to the user who has made a transaction related to the financial transaction, so that the user can quickly detect the existence of a third party with an improper intention.

[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 financial transaction process according to an embodiment of the present invention.

FIG. 3 is a view showing a login input screen displayed on the information processing terminal of the user in the financial transaction processing.

FIG. 4A is a diagram showing a structure of an e-mail address table held by the financial processing system according to the embodiment;
FIG. 2B is a diagram showing a structure of a representative account table held by the financial processing system according to the embodiment.

FIG. 5 is an exemplary view showing the structure of an information board table held by the financial processing system according to the embodiment;

FIG. 6 is a flowchart illustrating a browsing process according to an embodiment of the present invention.

FIG. 7 is a view showing an initial screen displayed on the information processing terminal of the user in the browsing process.

FIG. 8 is a view showing a message content display screen displayed on the information processing terminal of the user in the browsing process.

FIG. 9 is a diagram showing an all-title display screen displayed on the information processing terminal of the user in the browsing process.

FIG. 10 is a diagram showing a message deletion screen displayed on the information processing terminal of the user in the browsing process.

FIG. 11 is a diagram showing a message deletion confirmation screen displayed on the information processing terminal of the user in the browsing process.

FIG. 12 is a flowchart illustrating manual registration processing for an information board according to an embodiment of the present invention.

FIG. 13 is a diagram showing an initial menu screen displayed on a terminal of a financial person in a manual registration process.

FIG. 14 is a diagram showing a registration destination selection screen displayed on a terminal of a financial person in a manual registration process.

FIG. 15 is a diagram showing an individual customer message registration screen displayed on the terminal of a financial person in the manual registration process.

FIG. 16 is a diagram showing an all-customer message registration screen displayed on a terminal of a financial person in a manual registration 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 Information board database 46 Reception database 50 Transaction processing system 52 Account database 60 Zengin system

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI theme coat ゛ (reference) G07F 19/00 G07D 9/00 476 F term (reference) 3E040 BA18 CA11 CB01 DA03 FJ05 FK10 5B049 AA05 BB46 CC05 FF03 GG04 GG10 5B055 CC16 EE02 EE17

Claims (9)

[Claims] 1. A financial processing system for performing a financial transaction between a plurality of users and a financial institution via a network, comprising: a receiving unit for receiving a financial transaction request via a network; Request processing means for actually processing the accepted financial transaction request, at least when the accepting means receives the financial transaction request via a network, and when the request processing means processes the financial transaction. In one case, an e-mail transmitting means for transmitting an e-mail to a user who has made a request for the financial transaction, the financial processing system comprising: 2. The receiving means receives financial transactions using an encrypted communication method, and the e-mail transmitting means transmits the e-mail using an unencrypted communication method. The financial processing system according to claim 1, wherein 3. A financial processing system for performing a financial transaction between a plurality of users and a financial institution via a network, comprising:
Accepting a financial transaction request, receiving means, actually processing the financial transaction request received by the receiving means, request processing means, and when the accepting means receives a financial transaction request via a network, and Sending, by an unencrypted communication method, an e-mail to a user who has requested the financial transaction in at least one of cases where the request processing means has processed a financial transaction; Transmission means, and a browsing means for allowing a user who has requested the financial transaction to browse the contents of the financial transaction via a network by an encrypted communication method, Financial processing system. 4. The electronic mail transmitting means transmits an outline of the contents of the transaction related to finance by the electronic mail, and the browsing means allows the user to browse details of the contents of the transaction related to finance. The financial processing system according to claim 3. 5. The financial processing according to claim 3, wherein the personal authentication of the user who has accessed through the network is common to the personal authentication at the reception unit and the personal authentication at the browsing unit. system. 6. A system processing method of a financial processing system for performing a financial transaction between a plurality of users and a financial institution via a network, comprising: a receiving step of receiving a financial transaction request via a network; A request processing step for actually processing a financial transaction request received in the receiving step, and a processing of a financial transaction in the request processing step when a financial transaction request is received via a network in the receiving step. An e-mail transmitting step of transmitting an e-mail to a user who has made a request related to the financial transaction in at least one of the cases. 7. A system processing method for a financial processing system for performing financial transactions between a plurality of users and a financial institution via a network, the method comprising the steps of:
Accepting a financial transaction request, a receiving step, actually processing the financial transaction request received in the receiving step, a request processing step, and receiving a financial transaction request via a network in the receiving step; and Sending, by an unencrypted communication method, an e-mail to a user who has requested the transaction related to finance in at least one of cases in which the transaction related to finance is processed in the request processing step, A transmitting step, and causing a user assumed to have requested the financial transaction to browse the contents of the financial transaction via a network by an encrypted communication method, a browsing step. System processing method of a financial processing system. 8. A recording medium in which 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 is recorded. Accepting, accepting step, actually processing the financial transaction request accepted in the accepting step, request processing step, and accepting the financial transaction request via the network in the accepting step, and the request processing An electronic mail transmitting step of transmitting an electronic mail to a user who has requested the financial transaction in at least one of the cases where the financial transaction is processed in the step. 9. A recording medium in which 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 is recorded, the program being encrypted via the network. Communication method
Accepting a financial transaction request, a receiving step, actually processing the financial transaction request accepted in the accepting step, a request processing step, and accepting a financial transaction request via a network in the accepting step; and Sending, by an unencrypted communication method, an e-mail to a user who has requested the financial transaction in at least one of cases where the financial transaction is processed in the request processing step; A transmission step, and causing a user who has requested the financial transaction to browse the contents of the financial transaction via a network by an encrypted communication method, and a browsing step. recoding media.