JP2002342584A - Transaction detail management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To not only enable a user to confirm transaction details without visiting a financial institution, but also automatically notify the user of the generation of a transaction and the prediction of a scheduled transaction. SOLUTION: A system has a storage means which stores the transaction details of the financial institution user, a communication means which communicates the host device 17 of the financial institution and also communicates with a user terminal 12 through the Internet 13, a transaction detail managing means which accesses the host device 17 to update and manage the transaction details, and a notice means which extracts a transaction of an item complying with a request from the user terminal 12 from the transaction details and informs the user 11 of the transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a transaction statement management system and a program.

[0002]

2. Description of the Related Art Conventionally, in financial institutions such as banks and shinkin banks, when a user applies for a new transaction to a financial institution,
An account is opened and a passbook is issued. The user records the transaction history in the passbook as a transaction statement every time transactions such as account transfer, transfer, deposit, withdrawal, etc., and confirms the contents.

[0003] In recent years, non-passbook transactions, which are transactions using cards such as cash cards without registering in the passbook, have been increasing. In addition, complicated transactions such as account transfer, transfer, and automatic debit are increasing. For this reason, the user cannot confirm all the transaction details from the contents recorded in the passbook at hand, and periodically goes to a financial institution to request a passbook entry at a counter or to use an AT.
By performing the passbook entry processing at M, the latest transaction details are entered in the passbook in chronological order (in chronological order), and the contents of the transaction details are confirmed.

[0004] Further, after confirming the transaction details, the user himself prepares funds for the debit and executes the transfer.

[0005]

However, in the above-described conventional system, it is necessary to go to a financial institution and perform passbook entry processing in order to confirm the latest transaction details. For this reason, it takes time and effort to confirm the transaction details, and time and transportation expenses for going to a financial institution are required.

[0006] Further, since the transaction details are recorded in the passbook in chronological order in the order of occurrence of the transactions, when confirming a specific item of the transaction description, the user can input the transaction amount or the like for the specific item. It is necessary to extract and aggregate from each. Accordingly, the user must manually perform the totalization of the transaction amount and the reconciliation, which is the collation with the prospectively managed transaction, which is separately managed, which is troublesome.

[0007] Then, it is often the case that whether or not a transaction such as transfer has been executed is confirmed, and the schedule and amount of the next transaction are confirmed based on the transaction details. In this case, too, the user himself has to manually check the history of a specific transaction and confirm the schedule of the next transaction, which is troublesome.

The present invention solves the above-mentioned conventional problems,
Provides a transaction statement management system that not only allows users to check transaction statements without going to financial institutions, but also automatically notifies users of the occurrence of transactions and advance notice of planned transactions. The purpose is to do.

[0009]

For this purpose, in the transaction statement management system of the present invention, storage means for storing transaction statements of users of a financial institution, communication with a higher-level device of the financial institution, and connection to the Internet are provided. A communication means for communicating with the user terminal via the communication device; a transaction statement management means for accessing the higher-level device to update and manage the transaction statement; and a transaction for an item corresponding to a request from the user terminal. Notification means for extracting from the transaction statement and notifying the user.

In another transaction statement management system according to the present invention, the notifying means notifies the user at a preset timing.

In still another transaction statement management system according to the present invention, the notifying means notifies the user of the amount of money to be deducted from the account, the balance of the account or the date of withdrawal.

In still another transaction statement management system according to the present invention, the withdrawal date is set to be the next day or the day before the holiday when the holiday corresponds to a holiday of a financial institution.

[0013] In still another transaction statement management system of the present invention, the storage means stores the notification history in a form that can be browsed from the user terminal.

[0014] In still another transaction statement management system according to the present invention, the notifying means notifies the user of the occurrence of the transaction in advance.

In still another transaction statement management system according to the present invention, the notifying means notifies the user of the notification history together.

In still another transaction statement management system of the present invention, the transaction is set by an automatic search.

In still another transaction statement management system according to the present invention, the notifying means tentatively creates a withdrawal amount from the account, an account balance or a withdrawal date corresponding to the notice date.

[0018] In still another transaction statement management system of the present invention, the transaction statement is edited so as to be displayed on a display screen of the user terminal in such a manner that items to be withdrawn can be identified. Having means.

[0019] In still another transaction statement management system according to the present invention, the editing means edits the transaction statement in a form corresponding to a request from the user terminal.

[0020] In still another transaction statement management system of the present invention, the editing means further edits the graph.

[0021] In still another transaction statement management system of the present invention, the editing means may edit the transaction statement so that a button for inputting a request from the user terminal is displayed on a display screen. I do.

[0022] In still another transaction statement management system of the present invention, the transaction statement management means executes a transfer in response to a request from the user terminal.

[0023] In still another transaction statement management system of the present invention, the transaction statement management means executes a transfer based on a transfer history.

In still another transaction statement management system according to the present invention, the notifying means notifies the user by e-mail, fax or telephone.

In the transaction statement management program of the present invention, a computer for managing transaction statements communicates with a storage means for storing transaction statements of users of the financial institution, and with a higher-level device of the financial institution. Communication means for communicating with a user terminal via a communication terminal, a transaction statement management means for accessing the higher-level device to update and manage the transaction statement, and a transaction for an item corresponding to a request from the user terminal. It is made to function as the notification means which extracts from the transaction statement and notifies the user.

In another transaction management program according to the present invention, the notifying means notifies the user at a preset timing.

In still another transaction statement management program according to the present invention, the notifying means notifies the user of the amount of money to be deducted from the account, the balance of the account, or the date of withdrawal.

In still another transaction statement management program according to the present invention, the withdrawal date is set to be the next day or the day before the holiday when the holiday corresponds to a holiday of a financial institution.

[0029] In still another transaction statement management program of the present invention, the storage means stores the notification history in a form that can be browsed from the user terminal.

[0030] In still another transaction statement management program according to the present invention, the notifying means notifies the user of the occurrence of the transaction in advance.

In still another transaction statement management program according to the present invention, the notifying means notifies the user of the notification history together.

In still another transaction statement management program according to the present invention, the transaction is set by an automatic search.

[0033] In still another transaction statement management program of the present invention, the notifying means temporarily creates a debit amount from the account, an account balance or a deduction date corresponding to the notice date.

[0034] In yet another transaction statement management program according to the present invention, the computer further comprises the transaction statement so that items to be withdrawn can be identified and displayed on a display screen of the user terminal. It also functions as an editing means for editing.

In still another transaction statement management program of the present invention, the editing means edits the transaction statement in a form corresponding to a request from the user terminal.

In still another transaction statement management program according to the present invention, the editing means further edits the graph.

[0037] In still another transaction statement management program according to the present invention, the editing means edits the transaction statement so that a button for inputting a request from the user terminal is displayed on a display screen. I do.

[0038] In still another transaction statement management program of the present invention, the transaction statement management means executes a transfer in response to a request from the user terminal.

[0039] In still another transaction statement management program of the present invention, the transaction statement management means executes a transfer based on a transfer history.

In still another transaction statement management program according to the present invention, the notifying means notifies the user by e-mail, fax or telephone.

[0041]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a schematic diagram of a transaction statement management system according to the first embodiment of the present invention, and FIG. 2 is a diagram showing an example of a management file image of a passbook database according to the first embodiment of the present invention. FIG. 3 is a diagram showing an example of an output image of the passbook database according to the first embodiment of the present invention.

In the figure, reference numeral 11 denotes a user environment such as a user's home and office, and 12 denotes an operation means, a storage means, an input means such as a keyboard and a mouse, a CRT, and a liquid crystal provided in the user environment 11. It is an Internet connection terminal as a user terminal including display means such as a display, a communication interface, and the like. The Internet connection terminal 12
Is, for example, a personal computer, a portable terminal, a digital television, a game machine, etc., but may be any. Reference numeral 13 denotes the Internet, 14 denotes a firewall, and 15 denotes a web passbook server as a transaction statement management system. The web passbook server 15
Are a passbook database 15a, a notification target database 15b, and a notification information database 15c as storage means.
Having. Reference numeral 16 denotes a gateway, and reference numeral 17 denotes a higher-level device of a financial institution having a ledger file 17a.

In recent years, the spread of the Internet 13 to homes, offices, and the like has been remarkable, and an environment has been established in which various information inquiries can be easily made via the Internet 13. In the present embodiment, paying attention to this point, the passbook itself is stored on the Web (ie, the Internet 1).
3 to provide a transaction statement management system that handles transaction statements as digital data, checks transactions in transaction statements, and notifies users of the occurrence of the transaction.
Here, the transaction is a financial transaction such as transfer, deposit, withdrawal, and the like.

The web passbook server 15 is a web server as a computer which is provided with computing means, storage means, a communication interface and the like and is connected to the host device 17 so as to be able to communicate with the Internet 13. Function as Here, the web passbook server 15 as the transaction statement management system includes a passbook database 15a as storage means for storing the transaction statements of the user of the financial institution, and a notification for storing information on the transaction to be notified to the user. Target database 15
b, and a notification information database 15c for storing information relating to the notification to the user.

Further, the web passbook server 15 communicates with the host device 17 of the financial institution, communicates with the Internet connection terminal 12 via the Internet 13, and accesses the host device 17, It has transaction statement management means for updating and managing the transaction statements, and notification means for extracting a transaction of an item corresponding to a request from the Internet connection terminal 12 from the transaction statement and notifying a user.

The transaction statement management means updates the user's transaction statement stored in the passbook database 15a in real time, periodically, or each time the user accesses the web passbook server 15. Manage. Here, the host device 17 is a computer generally called a host computer provided in a financial institution such as a bank, a credit union, a post office, etc., and controls the transaction in the financial institution in a comprehensive manner. The record is stored in an original file 17a as storage means.

The passbook database 15a of the web passbook server 15 stores account information, authentication information (personal authentication information such as a personal identification number, an iris, a fingerprint, or an electronic signature, etc.) "PIN"
Collectively. )), User information, other setting information, and the like are held and, as shown in FIG. 2, are managed in association with the transaction details. Then, as shown in FIG. 3, the output is collected in various forms and displayed on the display screen of the display means of the Internet connection terminal 12.

Here, the transaction details may not be managed by the web passbook server 15 but may be managed by the ledger file 17a of the host device 17 of the financial institution. In this case, based on the management information managed by the web passbook server 15, the master file 17a of the higher-level device 17 is accessed as needed, and the transaction statement information stored in the master file 17a is acquired. To do.

In the present embodiment, an example in which the web passbook server 15 stores and manages transaction details will be described.

The display means of the Internet connection terminal 12 basically displays all the items of transaction details, but certain specific items (for example, deposits, debit data, etc.) If you want to check only, you can execute a narrowing-down display that specifies the summary item.

Further, in the transaction statement management system of the present embodiment, apart from these functions, the usage of the transaction statement is registered in advance using the summary of the transaction statement as a key, and the user is notified by e-mail, telephone, or fax. By adding a function capable of notifying, a transaction notification service can be provided as a new service. In this case, a transaction notification function and a notification target information management / execution function are added to the web passbook server 15.

In the present embodiment, by providing the realized transaction notification service as a paid service, it is possible to use the fee income of the financial institution to be enhanced. Then, in the case of a paid service, it is desirable to display a usage fee and a payment method of the usage fee at the time of use or use contract, for example, account debit, payment timing, and the like.

Next, the operation of registering a notification target will be described.

FIG. 4 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention, and FIG. 5 is an Internet connection terminal according to the first embodiment of the present invention. FIG. 6 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention, and FIG. FIG. 4 is a fourth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention, and FIG. 8 is a diagram showing an operation of the transaction statement management system according to the first embodiment of the present invention. is there.

First, the user connects to the Internet connection terminal 1
2 to connect to the Internet 13 and connect to the web passbook server 15 via the firewall 14.
After connecting to the web passbook server 15, a screen as a web as shown in FIG. 4 is displayed as an initial display screen, so that an account number or ID number, a membership number (hereinafter collectively referred to as an account number) and Enter your PIN and send. In the case where the service is handled as a paid service, guidance such as a usage fee, a payment method of the usage fee, and a payment timing is displayed as necessary.

Subsequently, the web passbook server 15 checks the entered account number and password, and if approved, retrieves a transaction statement based on the account number and reads the transaction statement information. . If the user is not approved, an error notification is sent to the user, and the process is stopped.

Next, the web passbook server 15 checks the default display format of the transaction details, and checks whether to display all the transaction details or the specified summary item. And if you want to see all your statements,
Extract and display all transaction details in chronological order. When the specified summary item is displayed, the specified summary item is extracted (including the display conditions such as deposit only, withdrawal only, deposit and withdrawal, etc.), and a transaction statement as shown in FIG. 5 is displayed. .

Then, when the user selects the menu of the result notification setting on the transaction statement display screen or various setting screens, a notification setting screen as shown in FIG. 6 is displayed. The setting menus for which notification can be requested include “(transfer, salary, bonus, etc.) deposit notification (register the target abstract items etc.)”, “designated transfer deposit notification (register transferee, amount, etc.)”, "Notification below balance setting amount (register guide balance etc.)", "Debit impossible notification (register target summary item etc.)" and the like are possible. The notification method can be selected from notification by e-mail to a registered notification destination, voice synthesis notification by telephone, and notification by fax.

Subsequently, various conditions are input from the setting screen,
Notification timing (notification each time it occurs, summary notification (daily (daily closing), end of month, beginning of month, etc.)), notification various information (notification method (e-mail, telephone, fax) and notification destination information (e-mail address, Phone number, fax number))
Register

Here, when a button for changing notification various information is pressed, a setting screen for registering a notification destination as shown in FIG. 7 is displayed, so that a notification destination can be registered.

When the notification is provided as a paid service, a fee, a settlement method, a settlement date, and the like are displayed together to prompt confirmation. Then, the web passbook server 15 receives the setting information and registers the setting information in the notification target database 15b (or the management unit of the corresponding account information in the passbook database 15a). Further, the contents of the additionally set are transferred to the host device 17 and registered as necessary. In addition, the fact that registration has been made to the registered notification destination is notified by e-mail, voice synthesis by telephone or fax.

Next, the operation of notifying the user of various information will be described.

In this case, the higher-level device 17 notifies the web passbook server 15 of the transaction details and the information that cannot be withdrawn. The web passbook server 15 sequentially checks the received transaction details based on the set notification target information.

Then, when a notification object occurs, the web passbook server 15 transmits a transaction statement including the information that cannot be debited to the notification information database 15c (passbook database 1).
It may be possible to add an identifier indicating the need for notification to the transaction statement 5a. Then, the notification timing registered in the setting file of the notification target database 15b is confirmed. The notification timing can be set for each setting menu for which notification can be desired. For example, it is possible to treat an immediate notification only for a case where a debit cannot be made.

Subsequently, the web passbook server 15 notifies the user who wants to notify of the transaction details stored in the notification information database 15c by e-mail, voice synthesis by telephone or facsimile according to the notification timing.

Next, the web passbook server 15 stores the contents of the notification and manages the transaction history. (The user can refer to the transaction history at a later date.) The web passbook server 15 periodically tabulates the paid service fee as necessary, and notifies the user of the billing details. The “deposit notification”, “designated transfer deposit notification”, “notice of balance setting amount or less”, “debit impossible notification”, etc., are detected by the higher-level device 17 and passed through the web passbook server 15. To notify the user. In the present embodiment, the higher-level device 17 may have the notification target database 15b, and may sequentially check and notify the user directly when the notification target is generated. The corresponding notification information may be transmitted via the web passbook server 15.

As described above, in this embodiment, since the user can confirm the transaction by the notification information, the trouble of confirming the transaction details of the passbook by himself can be omitted, and the efficiency of the confirmation process can be improved. Can be improved.

Further, since the user is notified that the balance has been reduced, it is possible to avoid inability to withdraw.

Further, since notification is also made when a debit cannot be made, in the case of a transaction in which the debit is performed again on the day, the debit can be avoided. Further, even if the debit is not performed again on the day, the user can immediately contact the debit destination. Accordingly, it is possible to minimize arrearages and the like, and it is possible to minimize a decrease in credit of the user regarding settlement.

In addition, a financial institution can provide a service incorporating an intelligence function in the conventional transaction statement management, and can provide a secure settlement environment, thereby improving user services. It is possible to secure many users of financial institutions.

By providing the transaction notice as a paid service, fee income of the financial institution can be enhanced.

Next, a second embodiment of the present invention will be described. The description of the same components and operations as those of the first embodiment will be omitted.

FIG. 9 is a first view showing an example of a display screen of the display means of the Internet connection terminal according to the second embodiment of the present invention, and FIG. 10 is an Internet connection terminal according to the second embodiment of the present invention. FIG. 11 is a second diagram showing an example of a display screen of the display means of the present invention, FIG. 11 is a third view showing an example of a display screen of the display means of the Internet connection terminal according to the second embodiment of the present invention, and FIG. It is a flow chart which shows operation of a transaction statement management system in a 2nd embodiment of the invention.

In the first embodiment, the transaction statement management system provides a notification service relating to the occurrence of a transfer of a transaction statement or a ledger, for example, a transfer, ie, a post-notification service. However, with respect to the schedule of debit, etc., a defect (impossible to debit, etc.) may occur in the subsequent notification, and post-processing due to the occurrence may involve, for example, contacting the debit destination and responding to the transfer at a later date. ,
It takes time.

Therefore, in this embodiment, a notice can be given. Note that the structure of the present embodiment is the same as that of the first embodiment, and therefore will be described with reference to FIG.

In this case, a file for managing the advance notice information is provided, and a function for setting the advance notice information is provided. The set notice information can be displayed in a list on the screen, and confirmation, addition, change, deletion, and the like can be performed. In addition, a function to cooperate with a function of setting and managing notification destination information is also provided as in the first embodiment. Then, the function menu can be added to a transaction statement screen or the like, and processing can be performed by selecting a button.

In the operation, an example will be described in which a menu of “preliminary notice setting”, “notification destination”, and “preliminary notice list” is prepared in the transaction statement. The operation in the present embodiment has been described in the case where notification is required.However, a notification required section is provided on the advance notification setting screen, for example, providing options such as notification only when the balance is insufficient, all notification, notification suspension, and the like. For example, by selecting “notify only when the balance is insufficient”, it is possible not to notify when the balance is equal to or more than the threshold value.

Next, the operation of setting the advance notice directly from the transaction details will be described.

First, a transaction detail screen as shown in FIG. 9 is displayed, and the user selects a transaction detail line to be subjected to advance notice management, and presses an advance notice setting button. In addition, a preview notification setting button may be pressed without selecting an individual detailed line. Subsequently, a notice notification setting screen as shown in FIG. 11 is displayed, and information is set according to the screen.

The setting items are identification names (manual input,
Alternatively, select from the menu such as pull-down), the required balance as a threshold (the amount including the fee), the scheduled date (select a regular or specific day of each month, and enter the day information or month / day information), and the scheduled date is a holiday (The immediately preceding business day and the next business day are set), the notification execution date (specifying a specific number of days before the scheduled date), and the like. The notification method and notification destination information set on another screen are also automatically displayed on the setting screen. Here, when the notification various information change button is pressed, the notification method and the notification destination information can be changed.

In the above-described processing, when a detail line is selected on the transaction detail screen and the notice notification setting button is pressed, the contents of the identification name and the necessary balance (threshold) are changed to the corresponding detail line for the scheduled date. Is automatically transcribed. Note that what is transcribed as the identification name is a summary. Subsequently, the user checks the contents of the notification information and corrects the contents as necessary. Further, other unset items can be input. It is also possible to specify execution of automatic search for a specified number of days of recent history information in which the summary name and the identification name on the transaction statement match, or to add a comment to be attached at the time of notification.

If the user presses the advance notice setting button without selecting a specific detail line, it is necessary to input characters and symbols for all items. Then, when there is a defect in the notification method and the notification destination information, a notification various information change button is pressed to correct the corresponding information. When the correction is completed, the screen returns to the notice setting screen.

Next, when the registration button is pressed, the web passbook server 15 confirms the presence or absence of various notification information. If the notification destination information has been set in advance, the process returns to the transaction statement screen and the setting process is completed. If the notification destination information is not set, the notification destination setting screen is automatically displayed, so the notification destination information is set. The setting contents are e-mail, voice synthesis by telephone, or fax,
The notification destination information is an e-mail address in the case of electronic mail, and a telephone and fax number in the case of telephone and fax. Then, after setting the notification destination information, return to the transaction statement screen,
The setting process ends.

Next, the operation of setting the advance notice after confirming the advance notice list will be described.

First, a transaction statement screen as shown in FIG. 9 is displayed. Subsequently, when a preview notification list button is pressed, a list screen of notification target information as shown in FIG. 10 is displayed, and the display contents are confirmed. In addition,
The display items in the list of automatic notices are identification name, required balance,
Execution date, notification method, etc. To change the already set contents, select the corresponding notice notification information and press the change button. Further, at the time of new addition, the addition button is pressed. Then, by pressing the change button or the add button, a notice notification setting screen as shown in FIG. 11 is displayed. Note that the operation after the notice notification setting screen is displayed is the same as the operation described above, and thus the description is omitted.

Next, the operation of executing the notice notice will be described with reference to the flowchart of FIG. 12 showing the operation of the transaction details management system.

In this case, the web passbook server 15 periodically creates a notification execution schedule for the next time at the date and time (monthly, daily, and when setting is updated) set by the web passbook server 15. Thereafter, the creation date is updated and managed.

First, the web passbook server 15 collates the regular notice notification execution schedule creation date to confirm whether or not it has been created. If it has been created, the daily notice notification execution schedule is checked (step S1). If it has not been created, the set notice notice setting information is checked, and the scheduled notice notice date is confirmed. (Step S2).

Subsequently, it is confirmed whether or not the scheduled date of the confirmed notice notice corresponds to a holiday such as Saturday, Sunday and a public holiday (step S3). The scheduled date is changed according to the treatment of the fund transfer date when the scheduled date is a holiday (step S4). Subsequently, a notice notification execution schedule is created and updated (step S
5). As described above, the schedule can be set daily by selecting whether to create the next month at the end of the month or the like or to create the current month (including the next month if necessary) when updating the settings. Can be reduced.

Next, a notice notification execution schedule is confirmed according to a daily schedule check schedule (for example, every morning) (step S6). If there is a notice notice target on the day, all designated accounts to be notified are searched. Then, the balance information of the corresponding account is read (step S7). Then, the balance is compared with the set threshold value (step S
8) If it is equal to or greater than the threshold value, a notice of the withdrawal (identification name, amount, scheduled date, balance, etc.) is given based on the set notification method and the setting information of the notification destination. Perform (Step S9). If it is less than the threshold, the shortage is calculated (step S10).

Next, a notice (identification name, amount, expected date, balance) indicating that there is a withdrawal and that funds required for processing the corresponding notification object are insufficient is set. The notification is performed based on the setting method of the notification method and the notification destination (step S11). The search for the designated account and confirmation of the balance, comparison of the threshold with the balance, calculation of the shortage amount, schedule of withdrawal, etc., and notification of the lack of funds are performed for all target accounts scheduled to execute the notice notice on the day. . When there are a plurality of advance notices, the above-described operation may be performed in a form in which the notice notices are classified for each target account, the thresholds thereof are summed, and the plurality of advance notices are put together. Thus, the operation of executing the notice notice ends.

As described above, according to the present embodiment, it is possible to automate the memorandum correspondence with respect to a schedule such as withdrawal, so that inadequacy such as inability to withdraw can be avoided in advance.

Next, a third embodiment of the present invention will be described. The description of the same components and operations as those of the first and second embodiments will be omitted.

FIG. 13 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention, and FIG. 14 is an Internet connection terminal according to the third embodiment of the present invention. FIG. 15 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention, and FIG. FIG. 14 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

In the second embodiment, the user himself / herself sets a schedule such as withdrawal as a notice notice. However, since the setting is manually performed, it is troublesome, and there is a possibility that the setting may be omitted.

Further, a regular withdrawal can be systematically extracted by clarifying the collation items in the specification and judging their identity and similarity.

Therefore, in the present embodiment, the notice notification target can be automatically extracted and registered. Note that the structure in the present embodiment is
Since it is the same as the first embodiment, description will be made with reference to FIG.

In this case, in the function of the second embodiment, the transaction details of a specific period are extracted, and the summary items and dates of the details (recognizing a date possibly before and after a holiday as a candidate date). Is possible), amount (variable factor large)
And an automatic search function for automatically extracting a notice notification subject by determining whether the transaction is a regular transaction by comparing items such as
A function of classifying the extraction result as the set information, managing the list, and displaying the list is added. Further, a function of searching and displaying a history of the preview notification candidates in order to determine whether or not to register the automatically searched preview notification target as a preview notification is added. Further, it is possible to add a function of checking the information of a new periodic transaction that can be a target of a notice notice generated on the transaction statement as needed and notifying the occurrence thereof.

As for the operation, a case will be described in which an automatic search item is added to the information list screen and the notice setting screen for notice notice. In addition, a sorting function is added to the information list screen to be notified of an advance notice in consideration of addition and insertion of an automatic search item.

Next, the operation of this embodiment will be described. The operation is the same as that of the second embodiment, and the additional function will be described.

First, the screen shifts from the transaction detail screen to a notice notice list screen as shown in FIG. 13 or a notice notice setting screen as shown in FIG. Thereafter, when the user wants to automatically search for the transaction for which the advance notice is to be issued, when the automatic search button displayed on the screen is pressed, the automatic advance notice search screen out of the setting as shown in FIG. 14 is displayed. ,
Set various conditions according to the instructions displayed on the screen.
The setting items include a search target period, a provisional notification execution date, and the like, and these are set.

Further, when a withdrawal or the like occurs on a regular basis in the future, the occurrence of the withdrawal is detected, and an automatic search and notification for determining whether or not to make a notification in accordance with a notification condition set by a user such as an electronic mail are provided. Can be set. Then, after the setting is completed, the web passbook server 15 performs an automatic extraction process, and a list of the automatic search results is displayed on the automatic preview notification search result screen outside the settings as shown in FIG.

The results of the automatic notice notification search are obtained by extracting the history of the transaction details for the period set on the screen shown in FIG. 14, and describing the summary name, date (analyze also taking into account the date shift due to holidays), It is determined from the information such as the amount of money (variable element size) and the like whether or not it is a detail of the regular withdrawal. As a result, the information of the temporary notice notification setting is obtained from the transaction determined to be the regular withdrawal detail. It was created. In the creation of the threshold, the maximum value is set when the amounts in the plurality of histories are not the same.

Subsequently, the user confirms the contents of the automatic notice notice search result displayed on the screen, and selects one to be registered as the notice notice as it is. In the screen in FIG. 16, an example is described in which a registration check button is provided and the button is checked.

Then, after selecting what is to be registered as the advance notice, pressing the collective registration button automatically adds the corresponding data and returns to the transaction details screen. When the notification destination is not set, the notification destination registration screen is displayed as described above. After setting various information related to the notification, the registration processing is performed and the display returns to the transaction detail screen.

Further, if the user wants to change the contents of the automatic notice notification search result, he or she presses the change button. As a change method, a method of directly changing the content displayed on the automatic notice notification search result screen (FIG. 16) and a method of shifting to the notice notice setting screen (FIG. 15) in which the corresponding data is automatically transcribed. The latter performs the same operation as in the second embodiment. When the register button is pressed after the change operation is completed, the screen returns to the automatic notice notification search result screen (FIG. 16). The changed data is automatically set as a registration target.

If the user wants to check the contents of the automatic notice notification search result against the transaction details, the user can press the history check button to display the transaction history of the designated notice related to the notice notice candidate. Subsequently, after checking a history screen (not shown), it is determined whether to register or change the corresponding notice notification candidate. Then, a delete button, a registration button, and a preview notification content change button are provided on the history screen, and can be set on the history screen.
In this way, the setting is completed, and the selected data corresponding to the advance notice list is added.

In the list of notices (for the main registration), notice notices automatically searched are automatically added (inserted), so that the visibility of the display order may be reduced. . Therefore, in the present embodiment, since a rearrangement button is provided, by pressing the rearrangement button, the user's preference (for example, name order, scheduled date order, registration date order, amount order, etc.) ), The information of the notice notice can be rearranged (ascending order and descending order are possible). The operation of the notice notice is the same as that of the second embodiment, and the description is omitted.

As described above, in the present embodiment, by performing the automatic search in the setting of the advance notice, the extraction and setting of the registration target can be automated, so that the trouble of inputting can be reduced. .

In addition, regular withdrawals and the like can be easily grasped, and registration omissions in advance notices can be minimized.

Next, a fourth embodiment of the present invention will be described. The description of the same components and operations as those in the first to third embodiments will be omitted.

FIG. 17 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the fourth embodiment of the present invention, and FIG. 18 is an Internet connection terminal according to the fourth embodiment of the present invention. FIG. 19 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the fourth embodiment of the present invention, and FIG. It is a 4th figure showing the example of the display screen of the display means of the Internet connection terminal in a 4th embodiment of the invention.

In the second and third embodiments, a paid service is provided for the purpose of notifying of a schedule such as withdrawal that occurs regularly. However, when receiving e-mail, etc., the receiving side may be charged,
In such a case, a burden is imposed on the user to receive the notification. In addition, some users find receiving e-mail annoying.

Therefore, in the present embodiment, a notice of a schedule such as withdrawal is displayed on the screen, and the progress (response) can be confirmed. Note that the structure of the present embodiment is the same as that of the first embodiment, and therefore will be described with reference to FIG.

In this case, a file for managing a schedule such as withdrawal is provided, and a function for setting withdrawal schedule information is provided. Then, the set (registered) schedule information such as withdrawal can be displayed in a list on the screen, and confirmation, addition, change, deletion, and the like can be performed. In a management file such as withdrawal, settlement management can also be performed. Further, similarly to the third embodiment, a function to cooperate with a function of setting and managing notification destination information as necessary is also provided.

[0117] A function is provided for displaying the number of scheduled debits and the like registered by the user, and a function for providing information to the user in an easy-to-understand manner is provided. The displayed number information indicates only the number of unsettled cases. You can also make settings to display the number of both settled and unsettled cases, or to display the total number of cases.

A function menu is added to a transaction statement screen or the like, and processing can be performed by selecting a button. And about the operation, on the transaction statement screen,
A case will be described in which a withdrawal schedule list menu and a withdrawal schedule setting menu are provided, and a common setting menu for setting common items of withdrawal schedule management is provided on each screen. Further, an automatic search function (not shown) can be added similarly to the third embodiment.

Next, an operation for directly setting schedule information such as withdrawal from a transaction statement will be described.

First, a transaction statement screen as shown in FIG. 17 is displayed. Select a transaction statement line to which notification of a schedule such as debit is desired (to be set), and set a withdrawal schedule setting button. Press. Note that the withdrawal schedule setting button may be pressed without selecting an individual detailed line. continue,
A withdrawal schedule setting screen as shown in FIG. 19 is displayed, and information is set according to the screen.

In this case, the setting items are an identification name (selected manually or from a menu such as a pull-down menu), a summary name (the original name displayed in the summary column of the transaction details:
This is a collation reference when judging whether automatic withdrawal or the like has been completed or not. ), Required balance (threshold), scheduled date (select a regular day or specific day of each month, enter day information, month and day information), scheduled day holiday fund transfer date (previous business day, next business day set )
And the like, and the necessity of a debit completion notification can be set.

Next, when it is selected that a debit completion notification is required, the notification method and the notification destination information set on the notification destination setting screen (FIG. 7) are also debited as in the first embodiment. Automatically displayed on the schedule setting screen. In the above-described processing, when a specific detail line is selected on the transaction detail screen and the withdrawal schedule setting button is pressed, the identification name of the detail line, a necessary balance (threshold), and the content of the scheduled date are automatically transferred. Is done. What is transcribed as the identification name and the abstract name is an abstract in the specification.

Subsequently, the user checks the contents and corrects the contents as necessary. Also, enter other unset items. If the user has pressed the withdrawal schedule setting button without setting a specific statement line, all items are entered.
If the notification method and the notification destination information are inadequate, the user presses a notification various information change button and corrects the corresponding information. Subsequently, after the correction is completed, the screen returns to the withdrawal schedule setting screen. Then, when a registration button is pressed, a registration process is performed.

Next, after the registration button is pressed, it is necessary (“Yes”) in the setting of the necessity of the debit completion notification.
If is selected, the web server 15 confirms the presence or absence of various notification information. Then, if the notification destination information has been set in advance, the process returns to the transaction statement screen, and the common setting setting process is completed. If notification destination information is not set,
The notification destination setting screen is automatically displayed. Set the notification destination information. The setting content is e-mail, voice synthesis by telephone, or facsimile, and the notification destination information is an e-mail address for e-mail, and a telephone and fax number for telephone and fax. And
After the notification destination information is set, the display returns to the transaction details screen and ends the notification information setting process.

When the common setting button on the screen is pressed, a common item setting screen in schedule information management is displayed. Information is set according to the screen. The setting items include automatic search and notification (a function that analyzes a transaction statement that is considered to be newly occurring regularly except for the one set by this function as needed, extracts the target, and notifies it: Selection of the necessity of the same function as in the third embodiment) and the method of displaying the number of items on the transaction details screen (settings such as displaying only unfinished, displaying classified and unfinished, displaying all, and not displaying) are possible. And whether or not notification is required when an unsettled portion (execution day excess) occurs. Subsequently, the user checks the displayed contents and inputs an unset item.

Next, after the registration button is pressed, if a necessary (“Yes”) is selected in the setting of a notification when an unpaid portion is generated (exceeding the execution date), the web notification server 15 transmits the notification various information. Check for presence. Then, if the notification destination information has been set in advance, the display returns to the transaction statement screen and completes the common setting process. If the notification destination information is not set, the notification destination setting screen is automatically displayed, so that the notification destination information is set. The setting contents are e-mail, voice synthesis by telephone, or fax, and the notification destination information is an e-mail address in the case of e-mail,
For telephone and fax, it is the telephone and fax number. Then, after the setting, the screen returns to the transaction details screen, and the setting process is completed.

Next, the operation of setting the withdrawal schedule after checking the withdrawal schedule list will be described.

First, the transaction details screen as shown in FIG. 17 is displayed. When the user presses the withdrawal schedule list button, a withdrawal schedule target information list screen as shown in FIG. 18 is displayed. You. Subsequently, the contents of the withdrawal schedule target information list screen are confirmed.

The display items in the withdrawal schedule notification list include an identification name, a necessary balance, an execution date, a check box for completed / unfinished, and the like. The completed and unfinished check columns can be set by the user's input or detect the withdrawal execution of the corresponding transaction statement, and automatically set the completed flag.

When changing the set contents,
Select the relevant withdrawal schedule information and press the change button. At the time of addition, a new button is pressed. As described above, when the change button or the add button is pressed, the screen shifts to the withdrawal schedule setting screen. Note that the operation after the withdrawal schedule setting screen is displayed is the same as the operation described above, and a description thereof will be omitted.

Next, the operation of inquiry and notification will be described.

First, a transaction statement screen as shown in FIG. 17 is displayed. At this time, on the transaction details screen,
The method of displaying the number of debit schedules set on the common item setting screen (display only unpaid, display completed and unpaid classification, display all,
, Etc.), the number of scheduled debits is displayed. To inquire about the withdrawal schedule, the user presses a withdrawal schedule list button. Subsequently, the withdrawal schedule is displayed. Note that the display content is the same as the operation for setting a withdrawal schedule, and a description thereof will be omitted.

Further, the web passbook server 15 checks the presence or absence of withdrawal execution at any time, and updates and manages withdrawal statuses and unfinished statuses for each withdrawal schedule displayed in the list. When the notification setting of the notification of the completion of the debit or the notification of the occurrence of the unpaid portion (exceeding the execution date) is set to “Yes”, the notification various information in which the notification guide of the completion of the debit (or the completion on the scheduled date) is set. Notify the user according to. In the list display of the withdrawal schedule, a reordering function can be added and used as in the third embodiment.

As described above, in the present embodiment, it is possible to automate the reminder handling for a schedule such as withdrawal, and it is possible to avoid defects such as inability to withdraw in advance.

[0135] In addition, with respect to the information set in advance as the withdrawal schedule information, it is possible to notify that the debit has been performed for the minimum object that the user wants to be notified. The execution status can be immediately grasped, and the user can be relieved.

Next, a fifth embodiment of the present invention will be described. The description of the same components and operations as those in the first to fourth embodiments will be omitted.

FIG. 21 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention, and FIG. 22 is an Internet connection terminal according to the fifth embodiment of the present invention. FIG. 23 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention.

In the above embodiment, it is possible to confirm the transaction details, or to notify and confirm a certain transaction. However, an action, for example, transfer, account transfer, or the like, cannot be performed on the confirmed transaction statement.

Therefore, in the present embodiment, the web passbook server 15 can provide services such as transfer and account transfer.

[0140] Regarding the transfer and the account transfer, there are already corresponding services on the Internet 13;
It corresponds by inputting the transfer destination information individually. Therefore, in the present embodiment, a transfer and account transfer service using the transaction details managed by the web server 15 is provided, and, unlike the conventional method, the convenience can be improved. Note that the structure of the present embodiment is the same as that of the first embodiment, and therefore will be described with reference to FIG.

Next, the operation of the present embodiment will be described.

First, a transaction statement screen as shown in FIG. 21 is displayed. From the displayed transaction statement screen, the history of the past payment details is confirmed, and the transaction matching the transfer destination to be transferred this time is checked. Select the detail line and press the transfer button. Alternatively, the transfer button may be pressed without selecting an individual transaction statement line. In this case, the same processing as the Internet banking transfer operation (conventional method) that has already been performed (the transfer processing is performed by manually inputting the transfer destination information).
I do.

Subsequently, a transfer request screen is displayed.
Set the transfer information according to the screen.

The setting items are transferee information (financial institution / branch information, subject / account number information, payee name), transfer amount, transferee name, transferee contact information, and the like. Then, in the above-described processing, when a statement line is selected on the transaction statement screen as shown in FIG. 22 and the transfer button is pressed, the transfer destination information (financial institution / branch information, item / account number information, receipt The name of the person) and the contents of the transfer amount are automatically posted.
The transferee name, transferee contact information, and payout account information are automatically transferred from the management information managed by the web passbook server 15.

Next, the user checks the displayed contents as shown in FIG. 23, and corrects the contents as necessary.
If there are other unset items, enter the unset items. Further, when the transfer button is pressed without selecting a specific statement line, all items other than the transferee name, transferee contact information, and payout account information are input. In addition, a password is input as necessary. Then, when the transfer execution button is pressed after the setting of the transfer destination information is completed, a transfer execution request process is performed.

The transfer execution processing is performed by the web passbook server 15
This is a process of connecting online to the financial institution where the account registered in the above is registered, transferring the input information or transmitting it as account transfer data, and reading a response of the execution. In this case, the response after the transfer or the account transfer is performed, the processing result is notified to the user, and the processing is completed by the user confirming the processing result and pressing the confirmation button. The processing result may be handled based on the set notification method and the setting information of the notification destination.
If there is a defect in the processing result, it is necessary to perform the transfer again or cancel the transfer.

As described above, in the present embodiment, the transfer can be made after confirming the transaction details, so that the convenience for the user can be improved.

In addition, since the input of the transfer destination information in the transfer operation can be automated, the input can be simplified and the input error can be reduced.

Next, a sixth embodiment of the present invention will be described. The description of the same components and operations as those of the first to fifth embodiments will be omitted.

FIG. 24 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention, and FIG. 25 is an Internet connection terminal according to the sixth embodiment of the present invention. FIG. 26 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention, and FIG. FIG. 4 is a fourth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention. FIG. 28 is a view showing a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention. Fifth diagram showing an example, FIG. 29 is a sixth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention, and FIG. 30 is a sixth embodiment of the present invention. A in form FIG. 7 is a seventh diagram showing an example of a display screen of the display means of the Internet connection terminal. FIG. 31 is an eighth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention. FIG. 32 is a ninth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention. It is.

In the above-described embodiment, it is possible to select a transaction statement when performing a transfer, and to simplify data input relating to the transfer. So, first you need to search your transaction history, and if you have a lot of transaction statements,
The search operation may be troublesome. Further, in the transfer using the transaction history, the probability of repeatedly using the transfer destination information is high.

Therefore, in the present embodiment, when the transfer is completed normally, the transfer information is managed as transfer destination information for repeated use, and the transfer is performed using the management information at the time of the transfer operation again. You can do it.
The structure according to the present embodiment is the same as that of the first embodiment.
Since this embodiment is the same as that of the first embodiment, description will be made with reference to FIG.

In this case, in addition to the functions in the fifth embodiment, a transfer information file for managing the transfer destination information that is repeatedly used is added, and the transfer destination information is registered in the transfer information file. And a function of reusing (quoting) the registered transfer destination information. Regarding the operation, a case will be described in which a registration destination list menu is provided on the transaction details screen, and the transfer using the registration destination is performed by selecting the registration destination list menu.

Next, the automatic registration operation after the transfer transaction is performed will be described.

First, a transaction statement screen as shown in FIG. 24 is displayed, and then, a transaction statement screen as shown in FIG. 25 is displayed. The operation up to the transfer is the same as that in the fifth embodiment, and a description thereof will be omitted. And after requesting the transfer,
When the transfer is received and the transfer is normally performed, as shown in FIG. 26, the fact that the transfer has been normally performed is displayed, and whether there is an opportunity to transfer to the same transfer destination in the future. A question is asked to the user as to whether or not reuse is expected, and a setting item for prompting registration of the transfer information is displayed.
The setting items include necessity of registration, necessity of transfer of transfer amount when registration is necessary, and necessity of registration of corresponding transferee information when transferee information is different from account management information.

Subsequently, the user makes a setting for registering the transfer information, and the transferor information set to be required for registration is stored in the transfer information file according to the set contents (transfer of transfer amount, transfer of transferor information, etc.). Is done. By such an operation, the transfer information is registered as shown in FIG.

Next, the operation of the additional registration without performing the transfer will be described.

First, a transaction details screen as shown in FIG. 28 is displayed. The history of the past transaction details is confirmed from the displayed transaction details, and the contents that match the contents desired to be registered as the repetition destination information are repeatedly used. Select the detail line of the transfer transaction to be made (both transfer and deposit can be selected) and press the registration destination list button. Alternatively, the registration destination list button may be pressed without selecting individual detail lines or selecting detail lines other than transfer.

Subsequently, a transfer destination list screen as shown in FIG. 29 is displayed. The transfer destination list screen includes display items for information such as a previous execution date (the latest transfer execution date), transfer destination account information, a payee, a scheduled transfer amount, and a client. Also, when the line of the transfer is selected on the transaction details screen and the registration destination list button is pressed, the setting information is created from the corresponding transfer information and is temporarily registered on the transfer destination list screen. in this case,
There is a setting status display (registration, temporary registration classification display) column in the transfer destination list (not shown), change the part set in the temporary registration to registration, and press the confirmation button, the corresponding transfer destination The information is registered and the screen returns to the transaction details screen. In the confirmation of the contents of the temporary registration information, if there is a change, if a change button is pressed, a transfer destination information setting screen is displayed, and the contents are corrected as necessary. Then, after the contents are corrected, the screen returns to the transfer destination list screen, and the setting status display column on the transfer destination list screen is set to a state of automatically registering.

Further, other unset items are input as necessary. Then, in the transaction statement screen, if a specific statement line is not selected, or if a statement line other than transfer is selected and the registration destination list button is pressed, setting items cannot be automatically created. , No temporary registration information is created. Further, when an add button is pressed in the transfer destination list, a transfer destination information setting screen as shown in FIG. 30 is displayed, so that the transfer destination information is set. The setting items are
Transferee information (financial institution, branch information, subject, account number information, payee name), transfer amount, transferee name, transferee contact information, and the like.

The name of the transfer person, the contact information of the transfer person, and the payout account information are stored in the web passbook server 15 or the host device 1.
The corresponding information is automatically transcribed from the management information managed in step 7. When the registration button is pressed after the setting of all the items is completed, the screen returns to the transfer destination list screen, and the setting status display column on the transfer destination list screen is set to a state of automatic registration. Thereby, the transfer destination can be registered in advance. There is also a method of selecting a transaction statement line, pressing a transfer button, confirming and correcting transfer destination information as shown in FIG. 31, and registering the transfer destination by pressing a transfer destination registration button.

Next, the operation of making a transfer using the transfer destination list will be described.

First, the transaction details screen is displayed. When the registration destination list button on the displayed transaction details screen is pressed, a transfer destination list screen is displayed. Subsequently, FIG.
When a line of the transferee information to be used this time is selected from the transferee list screen as shown in FIG. 2 and the transfer button is pressed, a transfer request screen is displayed. The display items are transferee information (financial institution, branch information, subject, account number information,
Recipient name), transfer amount, transferor name, transferor contact information, and the like. Items set in the transfer destination list are automatically posted.

Next, the user checks the displayed setting contents and corrects the contents as necessary. If there are other unset items, the user inputs them. Further, when the name of the transfer person and the contact person of the transfer person are not set in the transfer destination list, the corresponding information is automatically transcribed from the management information managed by the web passbook server 15 or the host device 17. When the transfer execution button is pressed after the setting of all the items is completed or the content is confirmed, the transfer execution processing is performed. If there is a defect in the processing result, it is necessary to perform the transfer again or cancel the transfer.

As described above, in the present embodiment, by registering and managing the transfer destinations that are expected to be used repeatedly, it is not necessary to search the past history at the time of the transfer operation, so that it does not take much time. , A transfer operation can be performed.

Further, as one method of registering the transfer destination, the transfer destination can be registered by using a transfer history on a transaction statement (both transfer and transfer can be selected), so that the trouble of registering the transfer destination can be saved. be able to.

Furthermore, after executing the transfer, the transfer destination can be registered by using the transfer destination information which has been normally completed, so that the transfer destination can be registered more easily and data having a transfer record can be obtained. Because it is quoted, it is possible to register an accurate transfer destination.

Further, unlike the conventional transferee registration, the transfer amount can also be registered, so that the input can be further simplified.

Next, a seventh embodiment of the present invention will be described. The description of the same components and operations as those of the first to sixth embodiments will be omitted.

FIG. 33 is a first diagram showing the operation of the transaction statement management system according to the seventh embodiment of the present invention, and FIG.
Is a second diagram showing the operation of the transaction statement management system in the seventh embodiment of the present invention, and FIG. 35 is a third diagram showing the operation of the transaction statement management system in the seventh embodiment of the present invention. is there.

In the second to fourth embodiments,
The schedule information is managed for regular transactions such as automatic debit from a transaction account. However, in the case of payment of a utility bill or the like, in some cases, a payment notice must be received and payment must be made using the payment notice. It is presumed that payment services by e-mail and the like will be provided in the future as IT becomes more advanced.

Further, by providing the payment notification information management function of the web passbook server 15 on the premise that the payment notification information can be electronically transmitted and received, more convenient payment schedule management can be realized. .

Therefore, in the present embodiment, centralized management of payment and automatic debit management is also possible. Note that the structure of the present embodiment is the same as that of the first embodiment, and therefore will be described with reference to FIG.

In this case, a file for managing the schedule of the payment notice and the like (hereinafter referred to as “payment notice management file”) can be provided, and a function for setting management information and format information relating to the payment notice can be provided. . The set and registered payment notification information can be displayed in a list on the screen, and can be confirmed and deleted. In the payment notification information management file,
It is possible to perform paid and unpaid management. Furthermore, according to the setting of the management information, a function capable of notifying a reception report of the payment notification, a prior warning when the processing is not performed, and the like is provided.

A function is provided for displaying the number information of the received information of the payment notice on the transaction statement screen. As the information on the number of cases to be displayed, it is possible to set the display of only the number of unfinished cases, the display of classified and unfinished cases, the total number of cases, the non-display, and the like. As a result, the user can confirm the presence or absence of the notification information when confirming the transaction details, and can easily grasp the unsupported funds transfer. Also,
The function item can be added to a transaction statement screen, a payment notification list screen, or the like, and can be processed by selecting a button. The operation will be described in which a payment notification list menu is provided on the transaction statement screen, and a menu for information setting, a menu for maintenance of notification data, and a payment execution menu are provided on the payment notification list screen. Further, in the description of the operation, functions such as detailed inquiry of notification information (not shown), history search, and display of payment transition using history may be added.

The analysis of the contents of the payment notice varies depending on the relationship between the billing agent and the web passbook service provider.

For example, as shown in FIG. 33, the notification format is previously adjusted between the billing agent and the Web passbook service 15 provider, and the user simply forwards the received payment notification e-mail. There is a method of analyzing in a web passbook.

As shown in FIG. 34, the user transfers the mail data of the payment notice to the web passbook server, registers necessary items in the format (registers the read portion and its meaning), and thereafter, There is a method in which the web passbook server 15 performs analysis based on the registered analysis information by transferring an electronic mail.

Further, as shown in FIG. 35, the notification format is previously adjusted between the billing service provider and the web passbook service provider, and the payment request is notified to the web passbook server 15 by the billing service provider. There is a method of analyzing the received content, managing it on a web passbook, and notifying the user of a message indicating that the notification has arrived.

Next, a description will be given of a setting operation regarding use and management of the payment notice.

FIG. 36 is a flowchart showing the operation of the transaction statement management system according to the seventh embodiment of the present invention.
FIG. 37 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the seventh embodiment of the present invention, and FIG. 38 is a display means of the Internet connection terminal according to the seventh embodiment of the present invention. 2nd showing an example of the display screen of
FIG.

The operation of the transaction statement management system according to the seventh embodiment of the present invention will be described with reference to the flowchart shown in FIG.

First, the transaction details screen (FIG. 39) is displayed. When the payment notification list button is pressed, a payment notification list screen (FIG. 40) is displayed. Subsequently, when a management information setting button on the payment notification list screen is pressed, a setting screen relating to management of payment notification data as shown in FIG. 37 is displayed, and the content displayed on the screen is set (step S1). S21). The setting items include the necessity of use,
E-mail address of transfer source and notification source (may be set separately), settlement method for the relevant payment notification (select from automatic account transfer, individual instruction, etc.), unsettled payment notification information near due date Necessity of warning notification (if necessary, set how many days before the due date to be notified), type of number display on the transaction details screen (display only unpaid, display completed and unpaid classification, display all items, no display etc. Set). When the registration is completed, the screen returns to the payment notification list screen.

Next, when a payment notification setting button on the payment notification list screen is pressed, a screen for setting each payment notification as shown in FIG. 38 is displayed. Set (Step S2
2). The setting items are: payment name, trader information (trader name and trader code, etc.), notification method of payment notification information to the web passbook (direct notification from the trader, or the payment notification mail received by the user. It is possible to set whether to select from e-mail forwarding, etc., or to notify the user of the arrival of the payment notification by e-mail when receiving the payment notification when selecting the notification from the contractor.), Identification items in the payment notification received mail format Etc.

When the format of the received mail is previously matched between the web passbook server 15 and the billing agent, it is not necessary to set the identification item.
By checking the input contents of the trader information with the web passbook, the presence or absence of the display of the identification item setting portion on the screen is automatically controlled. Subsequently, the user sets each input item according to the screen.

When it is necessary to set an identification item, as a setting method, for example, a method of setting the number of characters from the first line of the first row and the number of characters of the payment amount, or the identification method There is a method of setting the item name immediately before the item. Further, the received payment notification mail is transferred to the web passbook server 15 as a format registration work required,
The e-mail can be displayed on the screen, and the setting can be performed while designating the recognition position with a mouse or the like. The setting of the identification item is not limited to these methods.
This completes the setting.

Next, the operation of receiving and registering the payment notification mail will be described.

First, a payment notice mail is received (step S23). The payment notification mail is a first method that the web passbook server 15 receives directly from the billing agent, and a second method in which the payment notification mail is transmitted to the user by the payment notification agent by e-mail to the web passbook server 15. There is a way.

[0189] In the case of the first method, payment notification data is transmitted and received by e-mail agreed between the payer and the web passbook service provider 15 in advance. Subsequently, the web passbook server 15 decodes the received payment notification mail in accordance with the agreement and manages it as payment notification data.

In the case of the second method, the format of the payment notice to be transferred by the user is registered in the web passbook server 15, and the web passbook service providing side sets the payment notice mail format set by the user. Decrypt received mail according to. Further, upon receiving the e-mail, the e-mail is collated with the e-mail address registered as the transmission source e-mail address, and the validity is confirmed based on whether or not the e-mail address matches. If it is determined to be illegal, an error notification can be sent to the registered e-mail address, or an error message can be added to the payment notification list and displayed as invalid. If the validity is confirmed, the decrypted e-mail is registered in the payment notification management file in the web passbook server 15 (step S24).

In the management information setting screen, when the unsettled warning notification is set, or in the payment notification setting screen, the notification method is set to the notification from the trader and the notification is required. In this case, when the corresponding event is detected by the web passbook server 15, the user is notified of the notification according to the set notification information (step S2).
5). In this embodiment, the address is addressed to the e-mail address set on the management information setting screen. Then, similarly to other examples, the information may be linked with various notification information set on another screen.

Further, the change (update) of the payment execution state is managed in the payment notification list by the payment execution operation described later or the user's payment setting operation (step S2).
6). In addition, when the state of payment execution is changed, the payment notification is cleared (step S27).

Next, the operation for inquiring the payment notice and executing the payment and other operations will be described.

FIG. 39 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the seventh embodiment of the present invention, and FIG. 40 is an Internet connection terminal according to the seventh embodiment of the present invention. FIG. 41 is a fourth diagram showing an example of the display screen of the display means, and FIG. 41 is a fifth view showing an example of the display screen of the display means of the Internet connection terminal according to the seventh embodiment of the present invention.

First, a transaction details screen as shown in FIG. 39 is displayed. Then, on the transaction statement screen,
The number of payment notices is displayed according to the number of payment notices displayed on the management information setting screen (display of settlement only, display of classified and unfinished, display of all cases, no display, etc.).

When confirming the contents of the payment notice,
When the payment notification list button is pressed, a payment notification information list screen as shown in FIG. 40 is displayed. The display items include an identification name, a billing company, a payment amount, a customer code, a payment date, a completed and unfinished check column, and the like. The setting of the completed and unfinished check columns can be set by the user's input, or the execution by selecting a payment button described later can be detected and the completed flag can be automatically set.

Next, the user checks the displayed content, and when changing or deleting the displayed payment notification information, selects the corresponding payment notification information and clicks the change button or the delete button. Press. When a new payment notice received by mail or the like is to be added, an add button is pressed. Then, by pressing a change button or an add button, the screen shifts to a payment notification setting screen. Further, on a payment notification setting screen (not shown), an identification name, a billing company, a payment amount, a customer code, a payment date, and the like can be input.

Further, the payment can be executed for each payment notice via the web passbook server 15. As the operation, when the corresponding payment notice is selected and the payment button is pressed, the contents of the payment notice as shown in FIG. 41 are displayed. The operation is completed by confirming the contents and pressing the execution button. . And you may make it input a password as needed. continue,
After the execution button is pressed, an instruction to execute payment is made to the host device 17 of the financial institution, the result is responded, and the result is displayed on the screen. Then, after the normal end, the completed and unfinished check columns of the list screen are automatically set to the completed state.

As another function, by selecting a payment notification information line and pressing a history button, the history of the payment notification can be extracted and displayed as a list or displayed as a graph. it can.

Although the present embodiment has been described specifically for the handling of the payment notification information, the functions of the first, third and fourth embodiments are combined, and the total withdrawal schedule is set. You can also manage. Further, such an information notification may be displayed as guidance information at the time of logon.

As described above, in the present embodiment, it is possible to eliminate the reminder of the payment notice. In addition, since the payment notice can be managed on the web passbook, information on the transfer of funds can be centralized, and the convenience of the user can be improved.

Further, since the payment notice can be handled electronically, the burden on the billing agent can be reduced.

[0203] Payment can be made for a payment notice only by operating the screen, so that the correspondence of the payment notice can be simplified. In addition, since the history of the payment notification information can be easily checked, it is possible to check the status of the household budget and to use it for planning future measures.

Next, an eighth embodiment of the present invention will be described. The description of the same components and operations as those in the first to seventh embodiments will be omitted.

In the present embodiment, a service that cooperates with a service that provides past information and a service that provides information by taking in the contents of usage amount notification in a format or the like are provided. Note that the structure of the present embodiment is the same as that of the first embodiment, and therefore will be described with reference to FIG.

FIG. 42 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the eighth embodiment of the present invention, and FIG. 43 is an Internet connection terminal according to the eighth embodiment of the present invention. FIG. 44 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the eighth embodiment of the present invention.

In the present embodiment, the contents of the payment notice as shown in FIG. 42 are displayed. When the user presses the “take in” button, the notice information as shown in FIG. 43 is displayed. Is done. The format of the notification information may be registered in advance or may be newly set and registered by the user.

In this case, the user inputs necessary items on a screen as shown in FIG. 44, sets a format, and registers.

As described above, in the present embodiment, the notification information can be displayed in a format according to the user, so that the convenience is improved.

Next, a ninth embodiment of the present invention will be described. The description of the same components and operations as those of the first to eighth embodiments will be omitted.

FIG. 45 is a first diagram showing an example of a display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention, and FIG. 46 is an Internet connection terminal according to the ninth embodiment of the present invention. FIG. 47 is a third diagram showing an example of the display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention.

In the present embodiment, a button is provided in the setting main menu, and various setting menus are displayed by pressing the button, and the displayed items can be selected. In addition, each function does not need to stick to selection by buttons, and the screen layout can be freely changed.

In this case, as shown in FIG. 45, a button is provided in the setting menu, and by pressing the button, various setting menus as shown in FIG. 46 are displayed. When the display item is selected, each setting screen as shown in FIG. 47 is displayed.

As described above, in this embodiment, a button is provided in the setting menu, and various setting items are displayed by pressing the button, and the displayed items can be selected, so that the setting can be easily performed. be able to.

The present invention is not limited to the above-described embodiment, but can be variously modified based on the gist of the present invention, and they are not excluded from the scope of the present invention.

[0216]

As described above in detail, according to the present invention, a user can not only check a transaction statement without going to a financial institution, but also check whether a transaction has occurred or a scheduled transaction has occurred. A notice can be automatically given to the user.

[Brief description of the drawings]

FIG. 1 is a schematic diagram of a transaction statement management system according to a first embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of a management file image of a passbook database according to the first embodiment of the present invention.

FIG. 3 is a diagram illustrating an example of an output image of a passbook database according to the first embodiment of the present invention.

FIG. 4 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 5 is a second diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 6 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 7 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the first embodiment of the present invention.

FIG. 8 is a diagram showing an operation of the transaction statement management system according to the first embodiment of the present invention.

FIG. 9 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 10 is a second diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 11 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the second embodiment of the present invention.

FIG. 12 is a flowchart showing the operation of the transaction statement management system according to the second embodiment of the present invention.

FIG. 13 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 14 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 15 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 16 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the third embodiment of the present invention.

FIG. 17 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 18 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 19 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 20 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fourth embodiment of the present invention.

FIG. 21 is a first diagram illustrating an example of a display screen of a display unit of an Internet connection terminal according to a fifth embodiment of the present invention.

FIG. 22 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 23 is a third diagram showing an example of the display screen of the display means of the Internet connection terminal according to the fifth embodiment of the present invention.

FIG. 24 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 25 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 26 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 27 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 28 is a fifth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 29 is a sixth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 30 is a seventh diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 31 is an eighth diagram showing an example of a display screen of the display means of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 32 is a ninth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the sixth embodiment of the present invention.

FIG. 33 is a first diagram illustrating the operation of the transaction statement management system according to the seventh embodiment of the present invention.

FIG. 34 is a second diagram illustrating the operation of the transaction statement management system according to the seventh embodiment of the present invention.

FIG. 35 is a third diagram illustrating the operation of the transaction statement management system according to the seventh embodiment of the present invention.

FIG. 36 is a flowchart showing the operation of the transaction statement management system according to the seventh embodiment of the present invention.

FIG. 37 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 38 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 39 is a third diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 40 is a fourth diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 41 is a fifth diagram showing an example of the display screen of the display means of the Internet connection terminal according to the seventh embodiment of the present invention.

FIG. 42 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the eighth embodiment of the present invention.

FIG. 43 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the eighth embodiment of the present invention.

FIG. 44 is a third diagram showing an example of the display screen of the display means of the Internet connection terminal according to the eighth embodiment of the present invention.

FIG. 45 is a first diagram illustrating an example of a display screen of a display unit of the Internet connection terminal according to the ninth embodiment of the present invention.

FIG. 46 is a second diagram illustrating an example of a display screen of the display unit of the Internet connection terminal according to the ninth embodiment of the present invention.

FIG. 47 is a third diagram showing an example of a display screen of the display means of the Internet connection terminal according to the ninth embodiment of the present invention.

[Explanation of symbols]

 Reference Signs List 11 User environment 12 Internet connection terminal 13 Internet 15 Web passbook server 15a Passbook database 15b Notification target database 15c Notification information database 17 Host device 17a Original file

Claims (32)

[Claims] 1. A storage means for storing transaction details of a user of a financial institution, and a communication means for communicating with a host device of the financial institution and communicating with a user terminal via the Internet. And (c) transaction statement management means for accessing and updating the transaction statement by accessing the higher-level device, and (d) extracting a transaction of an item corresponding to a request from the user terminal from the transaction statement. And a notifying means for notifying the user of the transaction. 2. The transaction statement management system according to claim 1, wherein the notification unit notifies the user at a preset timing. 3. The notification means includes: a debit amount from an account;
The transaction statement management system according to claim 1, wherein a user is notified of an account balance or a withdrawal date. 4. The transaction statement management system according to claim 3, wherein the withdrawal date is set to be the next day or the day before the holiday when corresponding to a holiday of a financial institution. 5. The storage unit according to claim 1, wherein the storage unit stores the notification history in a form that can be browsed from the user terminal.
A transaction statement management system according to any one of the preceding claims. 6. The transaction statement management system according to claim 1, wherein the notifying unit notifies the user of the occurrence of the transaction in advance. 7. The transaction statement management system according to claim 6, wherein the notifying unit notifies the user of the notification history together. 8. The transaction statement management system according to claim 6, wherein the transaction is set by an automatic search. 9. The notifying means includes: a debit amount from an account;
7. The transaction statement management system according to claim 6, wherein the account balance or the withdrawal date is temporarily created corresponding to the notice date. 10. An apparatus according to claim 1, further comprising editing means for editing said transaction statement so that items to be withdrawn can be identified and displayed on a display screen of said user terminal. The transaction statement management system according to 1. 11. The transaction statement management system according to claim 10, wherein the editing unit edits the transaction statement in a form corresponding to a request from the user terminal. 12. The transaction statement management system according to claim 11, wherein said editing means edits a graph. 13. The transaction method according to claim 10, wherein the editing unit edits the transaction details so that a button for inputting a request from the user terminal is displayed on a display screen. Transaction statement management system. 14. The transaction statement management means executes a transfer in response to a request from the user terminal.
A transaction statement management system according to any one of the preceding claims. 15. The transaction statement management system according to claim 14, wherein said transaction statement management means executes a transfer based on a transfer history. 16. The transaction statement management system according to claim 1, wherein the notification unit notifies the user by e-mail, fax, or telephone. 17. A computer for managing the transaction details, (b) storage means for storing the transaction details of the user of the financial institution, and (c) communicating with a higher-level device of the financial institution and the Internet. A communication means for communicating with the user terminal via
A transaction statement management means for updating and managing the transaction statement; and (e) a transaction functioning as a notification means for extracting a transaction of an item corresponding to a request from the user terminal from the transaction statement and notifying the user of the transaction. Detail management program. 18. The transaction statement management program according to claim 17, wherein said notifying means notifies the user at a preset timing. 19. The system according to claim 1, wherein the notifying unit notifies a user of a debit amount, an account balance, or a debit date from the account.
The transaction statement management program described in 1. 20. The transaction statement management program according to claim 19, wherein the withdrawal date is set to be the next day or the day before the holiday when the holiday corresponds to a holiday of a financial institution. 21. The storage means stores the notification history in a form that can be browsed from the user terminal.
21. The transaction statement management program according to any one of Items 20 to 20. 22. The method according to claim 17, wherein the notifying unit notifies the user of the occurrence of the transaction in advance.
Transaction management program described in section. 23. The transaction statement management program according to claim 22, wherein the notifying unit notifies the user of the notification history together. 24. The transaction statement management program according to claim 22, wherein the transaction is set by an automatic search. 25. The transaction statement management program according to claim 22, wherein the notifying means temporarily creates a debit amount from the account, an account balance, or a deduction date corresponding to a notice date. 26. The computer according to claim 17, wherein the computer also functions as editing means for editing the transaction statement so that the item to be withdrawn can be identified and displayed on the display screen of the user terminal. 26. The transaction statement management program according to any one of 25. 27. The transaction statement management program according to claim 26, wherein the editing means edits the transaction statement in a form corresponding to a request from the user terminal. 28. The transaction statement management program according to claim 27, wherein said editing means edits a graph. 29. The transaction method according to claim 26, wherein the editing unit edits the transaction details so that a button for inputting a request from the user terminal is displayed on a display screen. Transaction management program. 30. The transaction statement management means executes a transfer in response to a request from the user terminal.
9. The transaction statement management program according to any one of items 9 to 9. 31. The transaction statement management program according to claim 30, wherein the transaction statement management means executes a transfer based on a transfer history. 32. The notifying means for notifying a user by e-mail, fax or telephone.
The transaction statement management program according to any one of the above items.