JP2009211181A - Transaction inquiry system, transaction inquiry program and transaction inquiry method - Google Patents

Abstract

A user can make a transaction inquiry by a simple operation, and a bank can efficiently provide information while using an existing system.
A control unit 21 of a banking support server 20 that has received an e-mail from a mobile phone terminal 10 executes a sender collation process. When the sender address is registered in the customer data storage unit 22, the control unit 21 specifies the request content using the transmission destination address. Further, the customer account is specified using the transmission address. Then, the proxy processing unit 211 of the control unit 21 logs into the net banking server 30 and acquires a transaction inquiry result. The inquiry result management means 212 that has acquired the transaction inquiry result adds the URL and registers the inquiry result. Then, the user logs out from the net banking server 30. Then, the inquiry result management unit 212 transmits this URL to the mail address registered in the customer data storage unit 22.
[Selection] Figure 1

Description

  The present invention relates to a transaction inquiry system, a transaction inquiry program, and a transaction inquiry method that can provide transaction information simply and efficiently.

  Conventionally, an automatic teller machine installed in a bank has been used to confirm account information of a deposit account. Furthermore, various types of information are being provided via the Internet. Deposit account information can be acquired by accessing the bank's web server via the Internet. By using this service, various services such as Internet banking, mobile banking, and telephone banking can be used.

  A financial service system that can satisfy various customer needs related to financial services through such a network such as the Internet has been studied (see, for example, Patent Document 1).

Furthermore, a deposit balance inquiry system capable of making a deposit balance inquiry using a bank site at a low cost has been studied (for example, see Patent Document 2). The deposit balance inquiry system described in this document uses a mobile phone capable of receiving electronic mail, and distributes the customer's deposit balance in a bank to the mobile phone via a network. When a customer accesses a bank site from a mobile phone and makes a request for delivery of the customer's deposit balance through a predetermined authentication procedure, an email document representing the customer's deposit balance is created and the customer's email address Send to.
JP 2001-338125 A (first page) JP 2003-108783 A (first page, FIG. 1)

  Transaction inquiries can be made by using a banking service using a network as described above. However, when using a service such as Patent Document 1 or Patent Document 2, it is necessary to log in to a server that provides a banking service, and the procedure for this login may become complicated. In particular, when logging in using a mobile phone terminal or the like, the user interface of the terminal is limited, and the login operation may be troublesome.

  The present invention has been made in order to solve the above-described problems, and the object of the present invention is to enable a user to make a transaction inquiry by a simple operation, and to use an existing system even in a bank while performing efficiency. It is to provide a transaction inquiry system, a transaction inquiry program and a transaction inquiry method for providing information.

In order to solve the above-mentioned problems, the invention described in claim 1 is the authentication information for logging in to the bank service server for each user, the contact information of the user, and the customer's user terminal. Customer information storage means for storing information relating to terminal identifiers, inquiry classification storage means for storing transaction inquiry types corresponding to bank access destination information, and terminal identifiers and transaction inquiry results for URLs are stored. A transaction inquiry system comprising provided information storage means and control means for accessing a bank service server, wherein when the control means receives an inquiry request from a user terminal, the source information of the user terminal is When the user information is identified and compared with the contact information recorded in the customer information storage means, and the source information and the contact information match, the inquiry section storage A query request accepting means for specifying a transaction query type corresponding to the access destination information that has received the query request using a stage, and obtaining customer authentication information verified by the user in the query request accepting means from the customer information storage means Then, by logging in to the bank service server using the authentication information, a session is started, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, and a transaction is performed from the bank service server. Proxy processing means for acquiring a query result and terminating a session by logging out, recording the transaction query result and terminal identifier in association with a URL, recording them in the provided information storage means, and using the customer information storage means, the use The contact information that is collated is acquired, a notification including the URL is sent to this contact, and the user terminal When the access request is received via the URL, the terminal identifier of the user terminal is acquired, and when the URL and the terminal identifier are registered in the provided information storage unit, the transaction inquiry result is displayed as the user. The gist of the present invention is to provide a query result management means for transmitting to a terminal.

  According to a second aspect of the present invention, in the transaction inquiry system according to the first aspect, the customer information storage means stores data relating to a user's mail address as contact information, and an inquiry request from the user terminal. Is obtained by electronic mail, and the transmission source address of the electronic mail is used as transmission source information.

  The invention according to claim 3 is the transaction inquiry system according to claim 1 or 2, wherein the provided information storage means further stores an information acquisition time in association with a transaction inquiry result, and the inquiry result management means comprises: The gist of the invention is to identify and delete a transaction inquiry result whose deletion reference time has elapsed from the information acquisition time recorded in the provided information storage means.

  According to the fourth aspect of the present invention, for each user, a customer storing authentication information for logging in to a bank service server, user contact information, and information about a terminal identifier of a customer user terminal is stored. Information storage means, inquiry classification storage means for storing transaction inquiry type corresponding to bank access destination information, provision information storage means for storing terminal identifier and transaction inquiry result for URL, bank service server A transaction inquiry system having a control means for accessing the transaction means, and a program for making a transaction inquiry when the inquiry request is received from the user terminal. When the information is specified and the user is compared with the contact information recorded in the customer information storage means, and the source information and the contact information match, Inquiry request accepting means for specifying a transaction inquiry type corresponding to the access destination information that has received the inquiry request using the inquiry classification storage means, and the customer information storage for the customer verification information verified by the user in the inquiry request accepting means Means for logging in to the bank service server using the authentication information to start a session and transmitting an instruction corresponding to the transaction inquiry type to the bank service server, A proxy processing means for obtaining a transaction inquiry result from a server and logging out to terminate the session, recording the transaction inquiry result and the terminal identifier in association with a URL in the provided information storage means, and using the customer information storage means The contact information verified by the user is acquired, and a notification including the URL is transmitted to the contact information. When an access request is received from the user terminal through the URL, the terminal identifier of the user terminal is acquired, and when the URL and the terminal identifier are registered in the provided information storage unit, the transaction inquiry result It is made to function as an inquiry result management means to transmit to the user terminal.

According to the fifth aspect of the present invention, for each user, a customer storing authentication information for logging in to the bank service server, user contact information, and information about a terminal identifier of a customer user terminal is stored. Information storage means, inquiry classification storage means for storing transaction inquiry type corresponding to bank access destination information, provision information storage means for storing terminal identifier and transaction inquiry result for URL, bank service server And a transaction inquiry system comprising a control means for accessing the transaction terminal, and a transaction inquiry system, wherein when the control means receives an inquiry request from a user terminal, the source of the user terminal If the information is specified and the user is compared with the contact information recorded in the customer information storage means and the source information and the contact information match, the inquiry An inquiry request receiving stage for identifying a transaction inquiry type corresponding to the access destination information that has received the inquiry request using a minute storage means, and customer authentication information for a customer collated in the inquiry request receiving stage Means for logging in to the bank service server using the authentication information to start a session and transmitting an instruction corresponding to the transaction inquiry type to the bank service server, A proxy processing step of acquiring a transaction inquiry result from a server and terminating a session by logging out, and recording the transaction inquiry result and the terminal identifier in association with a URL in the provided information storage means, and using the customer information storage means To obtain contact information collated with the user, and send a notification including the URL to the contact; When an access request is received from the user terminal via the URL, the terminal identifier of the user terminal is acquired, and when the URL and the terminal identifier are registered in the provided information storage unit, the transaction inquiry result And executing the inquiry result management step of transmitting the message to the user terminal.

(Function)
According to the invention of claim 1, 4 or 5, when the control means receives the inquiry request from the user terminal, the source information of the user terminal is specified and recorded in the customer information storage means User verification is performed in comparison with contact information. When the sender information and the contact information match, the transaction inquiry type corresponding to the access destination information that has received the inquiry request is specified using the inquiry classification storage means. Then, the authentication information of the customer collated by the inquiry request receiving means is acquired from the customer information storage means. Next, by logging in to the bank service server using the authentication information, a session is started and an instruction corresponding to the transaction inquiry type is transmitted to the bank service server. The transaction inquiry result is obtained from the bank service server, and the session is terminated by logging out. Here, the transaction inquiry result and the terminal identifier are recorded in the provided information storage means in association with the URL, the contact information verified by the user is obtained using the customer information storage means, and the URL is included in the contact information. Send a notification. Thereafter, when an access request is received from the user terminal via the URL, the terminal identifier of the user terminal is acquired, and when the URL and the terminal identifier are registered in the provided information storage means, the transaction inquiry result is displayed to the user. Send to the terminal. As a result, the control means acts as a proxy for the user, so that the user can simply make a transaction inquiry while collating with the terminal identifier simply by sending an inquiry request to the user. In particular, since the transaction inquiry result is transmitted to the user terminal by accessing via the URL, it is possible to use an encryption technique or a hyperlink technique used on the Internet. As a result, it is possible to improve security and easily realize development to the next transaction.

  Further, it is not necessary to maintain a session between the user terminal and the bank service server, and the inquiry result can be acquired even when the session cannot be maintained. On the other hand, by using an existing bank service server, transaction inquiry results can be provided efficiently.

  According to the second aspect of the present invention, the customer information storage means stores data relating to the user's mail address as contact information, obtains an inquiry request from the user terminal by electronic mail, The sender address is used as sender information. Thereby, the inquiry request can be transmitted by electronic mail.

According to the third aspect of the present invention, the provided information storage means further stores the information acquisition time in association with the transaction inquiry result. Then, the inquiry result management means specifies and deletes the transaction inquiry result when a predetermined time has elapsed from the information acquisition time recorded in the provided information storage means. As a result, the neglected transaction inquiry result can be deleted. Therefore, security can be improved and efficient use of memory resources can be achieved.

  According to the present invention, a user can make a highly convenient transaction inquiry by a simple operation, and a bank can efficiently provide information while using an existing system.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. This embodiment demonstrates as a transaction inquiry system, a transaction inquiry program, and a transaction inquiry method used when providing the simple banking service which provides various information using an email.

In this embodiment, as shown in FIG. 1, a bank banking support server 20, a net banking server 30 as a bank service server, and a bank host system 40 are used.
Here, the banking support server 20 receives an e-mail from the mobile phone terminal 10 as a user terminal via the mobile phone network and the Internet.

  The banking support server 20 is a computer system for providing a simple banking service to be described later. The banking support server 20 includes a control unit 21 as shown in FIG. The control unit 21 receives an electronic mail from the user, accesses an existing net banking server 30, and performs a data management process for providing information to the user. The control unit 21 includes a CPU, a RAM, a ROM, and the like as control means, and performs processing described later (processing including an inquiry request reception stage, a proxy processing stage, an inquiry result management stage, and the like). By executing the transaction inquiry program for this purpose, the control unit 21 functions as an inquiry request receiving means 210, a proxy processing means 211, an inquiry result management means 212, etc., as shown in FIG.

The inquiry request accepting unit 210 performs user authentication of a user who has transmitted an electronic mail from the mobile phone terminal 10. And the reception process of the inquiry request from this user is performed.
The proxy processing unit 211 accesses the net banking server 30 on behalf of the user and executes various processes. The proxy processing unit 211 functions as a user agent, is generated for each inquiry request, and executes processing to be described later.

  The inquiry result management unit 212 executes an inquiry result providing process or an inquiry result deleting process in response to a request from the mobile phone terminal 10. In order to execute the query result deletion process, the query result management unit 212 holds data relating to a reference time (deletion reference time) for determining the timing for deleting the query result.

  The banking support server 20 includes a customer data storage unit 22, an address classification data storage unit 23, a transaction inquiry request data storage unit 24, and a transaction inquiry result data storage unit 25.

  The customer data storage unit 22 functions as a customer information storage unit, and a customer record 220 relating to a customer who is a user of the simple banking service is recorded as shown in FIG. This customer record 220 is recorded when a user of an existing Internet banking service makes an application for use of the simple banking service and this application is registered. The customer record 220 includes data related to a customer identification identifier, a customer account identifier, a password, a mail address as contact information, and a terminal identifier.

Data relating to an identifier for identifying a user of the internet banking service is recorded in the customer identification identifier data area.
In the customer account identifier data area, data relating to an identifier for specifying a deposit account held by the user in a bank providing a simple banking service is recorded. This customer account identifier is composed of a main branch code, a deposit type code, and an account number. If the user has a plurality of deposit accounts, a plurality of customer account identifiers are recorded.

In the password data area, authentication information necessary for user authentication when various processes are performed using the Internet banking service is recorded.
In the mail address data area, data related to the mail address of each user of the simple banking service is recorded.

  In the terminal identifier data area, data relating to an identifier for specifying the mobile phone terminal 10 used by the customer is recorded. Here, a solid identifier (subscriber ID) assigned to each mobile phone terminal 10 is used.

  The address category data storage unit 23 functions as a query category storage unit, and as shown in FIG. 2B, an address category record 230 for specifying the transaction type desired by the user is recorded. This address classification record 230 is registered when the transaction type is determined in correspondence with the e-mail address (mail address) held by this bank. The address classification record 230 includes data related to a transaction type identifier associated with an email address.

  In the mail address data area, data (access destination information) relating to addresses held by the bank is recorded. In the present embodiment, in the simple banking service, an email address is held according to the number of services provided by the bank.

  In the transaction type identifier data area, data relating to an identifier for specifying the transaction type desired by the user is recorded. Specifically, transaction types include balance inquiry, deposit / withdrawal statement inquiry for a predetermined period, point inquiry, and the like.

  In the transaction inquiry request data storage unit 24, a transaction inquiry request record 240 relating to an inquiry request from a user is recorded as shown in FIG. This transaction inquiry request record 240 is recorded when an electronic mail is received from the user's mobile phone terminal 10. The transaction inquiry request record 240 includes an inquiry request identifier, a customer identification identifier, a transaction type identifier, and data related to the inquiry date.

In the inquiry request identifier data area, data relating to an identifier for specifying an inquiry request is recorded.
In the customer identification identifier data area, data relating to an identifier for identifying a user who has made a transaction inquiry request is recorded. This customer specific identifier is determined based on the email address to which the transaction inquiry request was sent.

In the transaction type identifier data area, data relating to an identifier for specifying a transaction type that is a target of a transaction inquiry request from a user is recorded. This transaction type identifier is determined based on the email address that received the transaction inquiry request.
In the inquiry date / time data area, data related to the date and time when the transaction inquiry request from the user is received is recorded.

The transaction inquiry result data storage unit 25 functions as provision information storage means, and a transaction inquiry result record 250 relating to the inquiry result provided to the user is recorded as shown in FIG. This transaction inquiry result record 250 is recorded when an inquiry result is acquired from the net banking server 30. This transaction inquiry result record 250 includes URL, inquiry request identifier, terminal identifier, information acquisition date and time, and data relating to the transaction inquiry result.

In the URL data area, data relating to a URL (Uniform Resource Locator) for specifying the location where the transaction inquiry result is stored is recorded.
In the inquiry request identifier data area, data relating to an identifier for specifying an inquiry request is recorded.

In the terminal identifier data area, data relating to an identifier for specifying the mobile phone terminal 10 of the user who has made the inquiry request is recorded.
In the information acquisition date / time data area, data related to the date and time when the inquiry result is acquired from the net banking server 30 is recorded.

  In the transaction inquiry result data area, data relating to the inquiry result corresponding to the inquiry request is recorded. For example, the transaction inquiry result includes an account balance of a deposit account, deposit / withdrawal details for a predetermined period, and the like.

  The banking support server 20 is a computer server system that can be accessed using the user's computer terminal 15 via the Internet and provides a so-called Internet banking service.

  The net banking server 30 includes a user authentication data storage unit 32 that records data relating to customer identification identifiers and passwords. When a login request including data relating to a customer identification identifier and password (personal authentication data) is received from the computer terminal 15 that has made access, user authentication is performed using the customer identification identifier and password. When user authentication is completed, various Internet banking services are provided while maintaining a session with the computer terminal 15. In this case, the net banking server 30 accesses the bank host system 40 via a network in the bank and uses account information managed by the bank host system 40.

  The bank host system 40 is a bank computer system and manages data relating to the account holder and account balance of an account opened in the bank. The bank host system 40 includes a deposit account data storage unit. In this deposit account data storage unit, account data relating to a deposit account opened in a bank is recorded. This account data is registered when an account is opened in the bank. The account data includes data related to an account identifier, a personal identification number, an account holder, a deposit / withdrawal history, an account balance, and the like.

  In the account identifier data area, data relating to an identifier for specifying an opened account is recorded. In the personal identification number data area, data for personal authentication is recorded when this account is used. In the account holder data area, data for specifying an account holder for the account is recorded. In the deposit / withdrawal history and account balance data area, data relating to deposit / withdrawal details and balance of this account is recorded.

  When using the simple banking service of the present embodiment, the user's mobile phone terminal 10 is used. The mobile phone terminal 10 includes a control unit, a display unit 11, and an input unit 12 that are connected to a base station of a mobile phone network by a known method and perform communication processing for sending and receiving calls and e-mails. This cellular phone network is connected to the banking support server 20 via the Internet.

  The display unit 11 displays e-mail received by the mobile phone terminal 10, user instructions at the time of program execution, and the like. The input unit 12 includes a selector button and a mode change button in addition to the dial number button. The mobile phone terminal 10 has a program execution mode for executing various programs such as a mail mode for sending and receiving electronic mail and a browser mode for displaying a web page in addition to the normal telephone mode.

  A processing procedure for providing account information to a user using the system configured as described above will be described. Here, the inquiry request processing (FIG. 3) and the result provision processing (FIG. 4) in the mobile phone terminal will be described in this order. In the present embodiment, it is assumed that the user desires information regarding the account balance.

(Inquiry request acceptance processing)
First, the inquiry request reception process by the mobile phone terminal 10 will be described with reference to FIG. When using the simple banking service, the user transmits an email to the banking support server 20 using the mobile phone terminal 10.

  For this reason, an e-mail transmission process is executed using the cellular phone terminal 10 (step S1-1). First, the mail program of the mobile phone terminal 10 is started by switching to the mail mode for transmitting an e-mail using the input unit 12 of the mobile phone terminal 10. Then, using this mail program, a new electronic mail is created. In this case, the display screen 500 shown in FIG. 5 is output to the display unit 11 of the mobile phone terminal 10. Then, an e-mail address for making a balance inquiry is set out of the addresses given by the bank as the transmission destination address in the e-mail.

  Such a mail address can be registered in the address book of the mobile phone terminal 10. Then, the destination address is set by designating the mail address registered in the address book. Then, by instructing transmission execution using the input unit 12, the mobile phone terminal 10 transmits an e-mail via the mobile phone network. In this case, there is no need to input the subject and message fields, and so-called “blank mail” is transmitted. This e-mail includes data relating to the sender's mail address as source information.

  And the control part 21 of the banking assistance server 20 performs an email reception process (step S1-2). Specifically, the e-mail transmitted from the mobile phone terminal 10 is stored for each mail address in a predetermined mail server via the mobile phone network. Then, the inquiry request accepting unit 210 of the control unit 21 acquires the received email for each transmission destination address.

  Next, the control unit 21 of the banking support server 20 executes a sender verification process (step S1-3). Specifically, the inquiry request accepting unit 210 of the control unit 21 acquires the sender address of the received electronic mail, and confirms whether or not the sender address is registered in the customer data storage unit 22.

  Since the sender address is not registered in the customer data storage unit 22, when the user cannot be verified (in the case of “NO” in step S1-4), the control unit 21 of the banking support server 20 rejects the use. The process is terminated (step S1-5).

On the other hand, when the sender address is registered in the customer data storage unit 22 and the user can be verified (“YES” in step S1-4), the control unit 21 of the banking support server 20 Specific process for request contents is executed (step S1-6)
. Specifically, first, the inquiry request accepting unit 210 of the control unit 21 assigns an inquiry request identifier. Then, the inquiry request accepting unit 210 generates a transaction inquiry request record 240 in which data related to the customer identification identifier for which the user verification has been performed and the date and time when the transaction inquiry request is received is recorded corresponding to the received e-mail. And recorded in the transaction inquiry request data storage unit 24.

  Next, the inquiry request receiving unit 210 acquires the transmission destination address of the received electronic mail, and acquires the transaction type identifier corresponding to the transmission destination address from the address classification data storage unit 23. Then, the inquiry request receiving means 210 records this transaction type identifier in the transaction inquiry request record 240. Next, the inquiry request accepting unit 210 specifies the transaction inquiry request record 240 and instructs the proxy processing unit 211 to perform an access process.

  Next, the control unit 21 of the banking support server 20 executes access processing to the net banking server 30 (step S1-7). Specifically, the proxy processing unit 211 of the control unit 21 acquires the access destination address (URL) of the net banking server 30 held in a predetermined memory in the banking support server 20. Then, this address is accessed. Thereby, a session is started between the banking support server 20 and the net banking server 30. Then, the proxy processing unit 211 acquires user authentication screen data from the net banking server 30. This user authentication screen is provided with input fields for a customer identification identifier and a password.

  Next, the control unit 21 of the banking support server 20 executes a login process to the net banking server 30 (step S1-8). Specifically, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 from the customer data storage unit 22 using the customer identification identifier of the transaction inquiry request record 240 instructed from the inquiry request receiving unit 210. Then, the proxy processing unit 211 acquires the password recorded in the customer record 220.

  Next, the proxy processing unit 211 generates a login request using a data format in the case of performing transmission processing by setting a customer identification identifier and a password on the user authentication screen acquired from the net banking server 30. Then, the proxy processing unit 211 transmits the generated login request to the net banking server 30. This login request includes data relating to the customer identification identifier and password.

  The net banking server 30 that has received the login request executes user authentication processing (step S1-9). Specifically, the net banking server 30 confirms whether the customer identification identifier and password included in the login request are registered in the user authentication data storage unit 32. Thereby, the net banking server 30 determines whether or not the access is by a user who can use the internet banking service.

  When the user authentication is completed, the net banking server 30 transmits menu screen data of the internet banking service to the banking support server 20 to the sender of the login request (here, the banking support server 20). This menu screen includes item data for specifying request contents.

  Next, the control unit 21 of the banking support server 20 executes an inquiry request process (step S1-10), and the net banking server 30 executes an inquiry request acquisition process (step S1-11). Specifically, the proxy processing unit 211 of the control unit 21 uses the data format that is transmitted when an item is selected on the menu screen based on the transaction type identifier recorded in the transaction inquiry request record 240. Generate a specific notification. Then, the proxy processing unit 211 transmits the generated transaction type specification notification to the net banking server 30.

  The net banking server 30 that has received the transaction type specification notification acquires the user-authenticated user's deposit account from the bank host system 40, and generates deposit account confirmation screen data in which this deposit account is displayed as a list. In this deposit account confirmation screen, a selection field for selecting an account for which acquisition of an account balance is desired is provided. Then, the net banking server 30 transmits the deposit account confirmation screen data to the banking support server 20.

  The control unit 21 of the banking support server 20 that has acquired the deposit account confirmation screen data executes a customer account specifying process. Specifically, the proxy processing unit 211 of the control unit 21 sends a customer record 220 (transmission of an e-mail for which user verification has been performed) including the customer identification identifier of the transaction inquiry request record 240 instructed from the inquiry request accepting unit 210. A customer record 220) that includes the customer address.

  Next, the proxy processing unit 211 uses the customer account identifier recorded in the customer record 220 to specify the customer account for which transaction inquiry is performed in the deposit account confirmation screen data. Then, the proxy processing unit 211 generates a deposit account specification notification using a data format when a customer account identifier is selected on the deposit account confirmation screen and transmission processing is performed. Then, the proxy processing unit 211 transmits the generated deposit account specification notification to the net banking server 30.

  The net banking server 30 that has received the deposit account specification notification executes information acquisition processing from the bank host system 40 (step S1-12). Specifically, the net banking server 30 transmits processing related to the inquiry content item acquired from the banking support server 20 to the bank host system 40 for the selected user's deposit account. Then, the net banking server 30 acquires a transaction inquiry result from the bank host system 40. In the present embodiment, the transaction inquiry result includes data related to the account balance of the user's deposit account. Then, the net banking server 30 returns the transaction inquiry result to the banking support server 20. Specifically, the net banking server 30 generates display screen data for outputting a transaction inquiry result from the bank host system 40 and transmits the display screen data to the banking support server 20. In the present embodiment, the display screen data is described in a compact HTML (HyperText Markup Language) that is a content description language for portable information terminals.

  The control unit 21 of the banking support server 20 that has received the display screen data assigns a URL and executes a query result registration process (step S1-13). Specifically, the proxy processing unit 211 of the control unit 21 supplies the display screen data acquired from the net banking server 30 to the inquiry result management unit 212. In this case, the inquiry result management unit 212 generates a transaction inquiry result record 250 in which a URL is assigned to the display screen data, records the display screen data described in the compact HTML, and stores the transaction inquiry result data storage unit 25. To store. Further, the inquiry result management unit 212 acquires a terminal identifier from the customer record 220 of the user and records it in the transaction inquiry result record 250. In addition, the inquiry result management unit 212 acquires the current date and time from the system timer and records it in the transaction inquiry result record 250 as the information acquisition date and time.

  And the control part 21 of the banking assistance server 20 which received display screen data performs a logout process (step S1-14). Specifically, the proxy processing unit 211 of the control unit 21 transmits a logout request to the net banking server 30. As a result, the session between the banking support server 20 and the net banking server 30 is terminated.

  Next, the control unit 21 of the banking support server 20 executes an e-mail generation process (step S1-15). Specifically, first, the inquiry result management unit 212 of the control unit 21 generates an e-mail to be transmitted to the user. This e-mail includes only data related to the URL storing the inquiry result.

  The control unit 21 of the banking support server 20 executes URL notification processing (step S1-16). Specifically, the inquiry result management unit 212 of the control unit 21 extracts the customer record 220 including the customer identification identifier of the transaction inquiry request record 240 from the customer data storage unit 22. Then, the inquiry result management unit 212 acquires the mail address recorded in the customer record 220, and transmits an e-mail in which this mail address is set as the transmission destination address.

  Then, the mobile phone terminal 10 executes an e-mail reception process (step S1-17). Specifically, the mobile phone terminal 10 is switched to the mail mode to execute the e-mail receiving process. In this case, the display screen 510 shown in FIG. 5 is output to the display unit 11 of the mobile phone terminal 10. The display screen 510 displays information related to the URL for acquiring the inquiry result.

(Inquiry result acquisition process)
Next, the inquiry result acquisition process will be described with reference to FIG.
Here, using the mobile phone terminal 10, an access process is executed using a URL (step S2-1). Specifically, the URL included in the e-mail is selected using the input unit 12 of the mobile phone terminal 10. In this case, the browser program of the mobile phone terminal 10 is activated. Then, the mobile phone terminal 10 transmits an access request to the selected URL using a browser. Note that an encryption protocol is used for this access request. In this embodiment, SSL (Secure Socket Layer) is used.

  The control unit 21 of the banking support server 20 that has received the access request executes a terminal identifier acquisition process for the mobile phone terminal 10 (step S2-2). Specifically, the inquiry result management unit 212 of the control unit 21 acquires the terminal identifier of the mobile phone terminal 10 that transmitted the access request from the communication carrier server of the mobile phone network.

  And the control part 21 of the banking assistance server 20 performs the collation process of a terminal identifier (step S2-3). Specifically, the inquiry result management unit 212 of the control unit 21 collates the terminal identifier recorded in the transaction inquiry result record 250 of the URL that received the access request with the terminal identifier received from the mobile phone terminal 10.

  Here, when the received terminal identifier is not registered in the transaction inquiry result record 250 (in the case of “NO” in step S2-4), the control unit 21 of the banking support server 20 notifies the use refusal and performs processing. The process ends (step S2-5).

  On the other hand, when transaction inquiry result record 250 in which the received terminal identifier is recorded is registered in transaction inquiry result data storage unit 25 (in the case of “YES” in step S2-4), control unit 21 of banking support server 20 Executes transmission processing of the inquiry result screen (step S2-6). Specifically, the inquiry result management unit 212 of the control unit 21 transmits inquiry result screen data including display screen data recorded in the transaction inquiry result data area of the transaction inquiry result record 250 to the mobile phone terminal 10. To do. In this case, the inquiry result management unit 212 includes data related to the information acquisition date and time.

On the other hand, the mobile phone terminal 10 that has received the inquiry result screen data executes display processing (step S2-7). Specifically, a display screen 520 shown in FIG. 5 is output to the display unit 11 of the mobile phone terminal 10. On this display screen 520, the date and time when the information was acquired and the display screen acquired from the net banking server 30 at this date and time are output. On this display screen, hyperlinks for the next transaction are embedded, such as “to main menu” and “to transfer / transfer”. When this hyperlink is selected, the mobile phone terminal 10 accesses the net banking server 30. In the present embodiment, since the logout is once performed, a new transaction is started by performing the user authentication process again.

(Query result deletion process)
Next, the inquiry result deletion process will be described with reference to FIG. The control unit 21 of the banking support server 20 periodically executes this process at a predetermined cycle.

  First, the control unit 21 of the banking support server 20 executes an inquiry result extraction process (step S3-1). Specifically, the inquiry result management unit 212 of the control unit 21 periodically searches the transaction inquiry result data storage unit 25 and extracts the remaining transaction inquiry result records 250.

  Next, the control part 21 of the banking assistance server 20 performs the confirmation process of elapsed time for every extracted transaction inquiry result record 250 (step S3-2). Specifically, the inquiry result management unit 212 of the control unit 21 acquires the current time from the system timer, and calculates the elapsed time from the information acquisition date and time recorded in the transaction inquiry result record 250. The inquiry result management unit 212 compares the elapsed time with the deletion reference time held by the inquiry result management unit 212.

  When the elapsed time does not exceed the deletion reference time (in the case of “NO” in step S3-2), the control unit 21 of the banking support server 20 continues to wait (step S3-3).

  On the other hand, when the elapsed time exceeds the deletion reference time (in the case of “YES” in step S3-2), the control unit 21 of the banking support server 20 executes a transaction inquiry result deletion process (step S3). -4). Specifically, the inquiry result management unit 212 of the control unit 21 deletes the transaction inquiry result record 250 from the transaction inquiry result data storage unit 25.

According to this embodiment, the following effects can be obtained.
In the present embodiment, the cellular phone terminal 10 designates a bank mail address and executes an e-mail transmission process (step S1-1). In this case, the control unit 21 of the banking support server 20 executes a sender address matching process (step S1-3). When the sender address is registered, the control unit 21 of the banking support server 20 executes a login process (step S1-8) to the net banking server 30 and executes an inquiry request process (step S1- 10). Then, the control unit 21 of the banking support server 20 that has received the display screen data adds a URL, registers the inquiry result (step S1-13), and notifies the mobile phone terminal 10 of this URL (step S1-16). ). Accordingly, since the control unit 21 of the banking support server 20 makes a transaction inquiry on behalf of the user, the user can make a transaction inquiry by sending an e-mail without performing a login procedure. Can do. Further, the user does not need to maintain a session between the mobile phone terminal 10 and the net banking server 30, and can obtain the inquiry result even when the session cannot be maintained. On the other hand, a bank can provide services efficiently by providing the banking support server 20 with respect to the existing net banking server 30 for providing Internet banking services.

In the present embodiment, the mobile phone terminal 10 is used to execute access processing using a URL (step S2-1). In this case, an encryption protocol is used for this access request. In this embodiment, SSL is used. Thereby, the inquiry result can be acquired in a state where security is ensured. Therefore, eavesdropping can be prevented and security can be ensured. In addition, hyperlinks using HTML can be linked to transactions after confirmation of query results.

  Furthermore, the control part 21 acquires the terminal identifier of the mobile phone terminal 10 (step S2-2), and collates the terminal identifier (step S2-3). Thereby, an accessor can be authenticated using the hardware of the mobile phone terminal 10 to ensure security.

  In the present embodiment, the address classification data storage unit 23 stores an address classification record 230 for specifying the transaction type desired by the user. Then, the inquiry request receiving unit 210 acquires the transmission destination address of the received electronic mail, and acquires the transaction type identifier corresponding to the transmission destination address from the address classification data storage unit 23. Thereby, various transaction inquiries can be performed.

  -In this embodiment, the control part 21 of the banking assistance server 20 performs the notification process of URL (step S1-16). Specifically, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 including the customer identification identifier of the transaction inquiry request record 240 from the customer data storage unit 22. Then, the proxy processing unit 211 acquires the mail address recorded in the customer record 220, and transmits an e-mail in which this mail address is set as the transmission destination address. Thereby, even when an e-mail in which the sender e-mail address is disguised is received, the e-mail can be transmitted to the user registered in the customer data storage unit 22, and information leakage can be suppressed. .

  In the present embodiment, when the elapsed time exceeds the deletion reference time (in the case of “YES” in step S3-2), the control unit 21 of the banking support server 20 performs a transaction inquiry result deletion process. Execute (Step S3-4). If the transaction inquiry result is left unattended for a long period of time, a third party may access the banking support server 20 using an e-mail stored in the mobile phone terminal 10. Therefore, it is possible to secure security by deleting the neglected transaction inquiry result and to effectively use the memory resources of the banking support server 20.

In addition, you may change each said embodiment as follows.
In the above embodiment, it is assumed that the user desires information regarding the account balance. The contents of the transaction inquiry are not limited to the account balance, and can be applied to the deposit / withdrawal details.

  In the above embodiment, the inquiry result management unit 212 compares the elapsed time with the deletion reference time. Here, the deletion reference time may be changed for each customer. For example, the control unit 21 of the banking support server 20 can be configured to determine the deletion reference time according to the deposit / withdrawal frequency of the user's account. Specifically, the inquiry result management means 212 holds a deletion reference time table in which deletion reference times are recorded in correspondence with the deposit / withdrawal frequency. In step S1-12, the inquiry result management unit 212 acquires the deposit / withdrawal details for a predetermined period from the bank host system 40 via the net banking server 30, and calculates the frequency of the deposit / withdrawal history for this period. And the inquiry result management means 212 specifies the deletion reference time corresponding to the deposit / withdrawal frequency using the deletion reference time table. In step S3-2, it is determined whether or not it is necessary to delete the query result using the deletion reference time. As a result, the transaction inquiry result can be deleted according to the timing at which the account balance may be changed.

In the above embodiment, the control unit 21 of the banking support server 20 is the mobile phone terminal 10
The receiving process of the e-mail transmitted from is executed (step S1-2). The communication means is not limited to e-mail, and it is also possible to use a telephone call. In this case, the telephone number of the user of this simple banking service is recorded in the customer record 220 of the customer data storage unit 22. Then, authentication is performed by specifying the calling telephone number acquired by the caller ID notification service (step S1-3). Thereby, it is possible to make an inquiry request using various communication means.

  In the above embodiment, when an e-mail is received (step S1-2), the control unit 21 of the banking support server 20 accesses the net banking server 30 (step S1-7) and logs in to the net banking server 30. (Step S1-8). Next, an inquiry request process is executed (step S1-10). When display screen data is received, a URL is assigned and an inquiry result registration process is executed (step S1-13). In addition to this, an update process of the inquiry result may be performed. The inquiry result update process will be described with reference to FIG.

  First, the control unit 21 of the banking support server 20 executes a query result extraction process (step S4-1). Specifically, the inquiry result management unit 212 of the control unit 21 periodically searches the transaction inquiry result data storage unit 25 and extracts the remaining transaction inquiry result records 250.

  Next, the control unit 21 of the banking support server 20 executes elapsed time confirmation processing (step S4-2). Specifically, the inquiry result management unit 212 of the control unit 21 acquires the current time from the system timer, and calculates the elapsed time from the information acquisition date and time recorded in the transaction inquiry result record 250. Then, the inquiry result management unit 212 compares this elapsed time with the reference time held by the inquiry result management unit 212.

  If the elapsed time does not exceed the reference time (in the case of “NO” in step S4-2), the control unit 21 of the banking support server 20 continues to wait (step S4-3).

  On the other hand, when the elapsed time exceeds the reference time (in the case of “YES” in step S4-2), the control unit 21 of the banking support server 20 proceeds to the net banking server 30 as in step S1-7. The access process is executed (step S4-4). Specifically, the inquiry result management unit 212 of the control unit 21 specifies the inquiry request identifier of the transaction inquiry result record 250 and instructs the proxy processing unit 211 to perform access processing for the inquiry request identifier. . Thereby, a session is restarted between the banking support server 20 and the net banking server 30.

  And the control part 21 of the banking assistance server 20 performs the login process to the net banking server 30 (step S4-5). Here, the proxy processing unit 211 of the control unit 21 extracts the customer record 220 from the customer data storage unit 22 using the customer identification identifier of the transaction inquiry result record 250 instructed from the inquiry result management unit 212. Then, the proxy processing unit 211 acquires the password recorded in the customer record 220.

  Next, the proxy processing unit 211 generates a login request using a data format in the case of performing transmission processing by setting a customer identification identifier and a password on the user authentication screen acquired from the net banking server 30, and the net banking server 30. Send to. This login request includes data relating to the customer identification identifier and password.

The net banking server 30 that has received the login request executes user authentication processing (
Step S4-6). Also in this case, the net banking server 30 executes the process in the same manner as in step S1-9.

  Next, the control unit 21 of the banking support server 20 executes the inquiry request process similarly to step S1-10 (step S4-7), and the net banking server 30 also performs the inquiry request acquisition process similarly to step S1-11. Is executed (step S4-8).

  Next, the control unit 21 of the banking support server 20 executes information acquisition processing from the bank host system 40 (step S4-9). Also in this case, the net banking server 30 executes processing in the same manner as in step S1-12.

  The control unit 21 of the banking support server 20 that has received the display screen data executes a query result update process (step S4-10). Specifically, the proxy processing unit 211 of the control unit 21 supplies the display screen data acquired from the net banking server 30 to the inquiry result management unit 212. In this case, the inquiry result management unit 212 updates the display screen data acquired from the net banking server 30 for the transaction inquiry result record 250. Furthermore, the inquiry result management unit 212 acquires the current date and time from the system timer, and records it in the transaction inquiry result record 250 as the information acquisition date and time.

  Next, the control unit 21 of the banking support server 20 executes a logout process from the net banking server 30 (step S4-11). Also in this case, the proxy processing unit 211 of the control unit 21 executes the process in the same manner as in step S1-13.

  That is, unlike the case where access is performed while continuing a session, when a query result is provided at a timing different from the query request, a time lag may occur. By performing the update process of the inquiry result, it is possible to additionally acquire information during this time lag.

  In the above embodiment, when the sender is verified (“YES” in step S1-4), the control unit 21 of the banking support server 20 sequentially performs access processing (step S1-7), login processing. (Step S1-8) is executed. In this case, the banking support server 20 may be configured to change the login processing timing in consideration of the congestion status of the net banking server 30. This process will be described with reference to FIG.

  Here, the proxy processing means 211 of the control unit 21 of the banking support server 20 first transmits an access request (step S5-1). In this case, the control unit 21 measures the time until the response is acquired from the net banking server 30 and acquires the response time (step S5-2). And the control part 21 compares this response time with the reference | standard response time hold | maintained at the memory in the banking assistance server 20 (step S5-3).

  If the response time is longer than the reference response time (in the case of “NO” in step S5-3), the control unit 21 waits to postpone the login process (step S5-4). Then, the access process is re-executed again at a cycle held in the memory in the banking support server 20 (step S5-1), and the response time is measured again (step S5-2).

When the response time is shorter than the reference response time (in the case of “YES” in step S5-3), a login process is executed. Thereby, when the load of the net banking server 30 is heavy, the inquiry request processing can be distributed. In particular, since the banking support server 20 provides a service without maintaining a session with the user terminal, a certain amount of time can be secured. The load on the net banking server 30 can be reduced while using this spare time.

  In the above embodiment, when the sender is verified (“YES” in step S1-4), the control unit 21 of the banking support server 20 sequentially performs access processing (step S1-7), login processing. (Step S1-8) is executed. In this case, it is also possible to limit the access allowable number from the banking support server 20 to the net banking server 30 and execute the access process within the access allowable number. This process will be described with reference to FIG.

  Here, when receiving the inquiry request from the user terminal, the control unit 21 of the banking support server 20 counts the number of accesses (current number of accesses) in which the session is continued with the net banking server 30 at that time. (Step S6-1). Then, the control unit 21 compares the current access number with the access allowable number held in the memory in the banking support server 20 (step S6-2).

  When the current access number exceeds the access allowable number (in the case of “NO” in step S6-2), a waiting order is assigned to the transaction inquiry request record 240 of this inquiry request, and transaction inquiry request data is obtained. Records in the storage unit 24. In this case, the process for the inquiry request is put on standby (step S6-3).

  When it is detected that one of the sessions with the net banking server 30 is ended and the current number of accesses is reduced (in the case of “YES” in step S6-4), the control unit 21 sets the inquiry date and time. Based on this, the transaction inquiry request record 240 with the earlier waiting order is identified (step S6-5). Then, it instructs the proxy processing means 211 to execute the access process. Thereby, the load on the net banking server 30 can be reduced by limiting the number of accesses to the net banking server 30. In this case as well, the inquiry information can be provided while using the spare time.

  In the above embodiment, when the sender is verified (“YES” in step S1-4), the control unit 21 of the banking support server 20 sequentially performs access processing (step S1-7), login processing. (Step S1-8) is executed. In this case, the access processing from the banking support server 20 to the net banking server 30 is performed within the access allowable number determined according to the congestion status of the net banking server 30 (for example, the number of accesses and the CPU operating rate). It is also possible to configure. This process will be described with reference to FIG.

  Here, the memory in the banking support server 20 stores a correspondence table (access allowable number determination table) for determining the allowable number of accesses in correspondence with the congestion status information. And the control part 21 of the banking support server 20 acquires the information regarding congestion condition information (for example, the number of accesses or CPU operation rate) from the net banking server 30 (step S7-1).

  And the control part 21 determines an access allowable number based on the congestion condition information acquired from the net banking server 30 using an access allowable number determination table (step S7-2). Specifically, when the control unit 21 of the banking support server 20 receives an inquiry request from the mobile phone terminal 10, the number of accesses (current number of accesses) in which a session is continued with the net banking server 30 at that time. ) Is counted (step S7-3).

Then, the control unit 21 compares the current access number with the allowable access number held in the memory in the banking support server 20 (step S7-4). When the current access number exceeds the access allowable number (in the case of “NO” in step S7-4), a waiting order is assigned to the transaction inquiry request record 240 of this inquiry request, and transaction inquiry request data is obtained. Records in the storage unit 24. In this case, the process for the inquiry request is put on standby (step S7-5).

  Then, the congestion status information is periodically acquired at a cycle held in the memory in the banking support server 20 (step S7-1), and the allowable access number is determined (step S7-2). Further, the current access number is acquired (step S7-3), and the access allowable number is compared (step S7-4).

  When the current access number equal to or smaller than the access allowable number is detected (in the case of “YES” in step S7-4), the control unit 21 specifies the transaction inquiry request record 240 based on the waiting order (step S7). -6) Instructing the proxy processing means 211 to execute access processing. Thereby, the banking support server 20 can provide a service in consideration of the load status of the net banking server 30. Also in this case, it is possible to provide the inquiry information while reducing the load on the net banking server 30 using the spare time.

  Further, in this access permission number determination table, the access permission number may be recorded in correspondence with the response time. In this case, the control unit 21 acquires the response time in the access process, and determines the access allowable number according to the response time. In this case, it is possible to determine waiting for an inquiry request without acquiring congestion status information such as the number of accesses and CPU operating rate from the net banking server 30.

  In the above embodiment, the proxy processing unit 211 of the control unit 21 acquires the access destination address (URL) of the net banking server 30 held in a predetermined memory in the banking support server 20. Then, this address is accessed. Instead of this, the network banking server 30 of another bank may be accessed. In this case, the financial institution code is included in the customer account identifier recorded in the customer record 220. Then, a predetermined memory in the banking support server 20 holds an access destination address (URL) of the net banking server of the financial institution corresponding to the financial institution code. Then, the proxy processing unit 211 of the control unit 21 specifies the “URL” of the net banking server 30 based on the financial institution code of the customer account identifier and executes the access process. Thereby, even various financial institutions can provide a simple banking service using the banking support server 20.

Next, technical ideas that can be grasped from the above-described embodiment and other examples will be described below together with their effects.
(A) In the provided information storage means, the information acquisition time is further stored in association with the transaction inquiry result,
The inquiry result management means specifies an inquiry request for which a predetermined time has elapsed from the information acquisition time recorded in the provided information storage means;
The proxy processing means obtains the authentication information of the customer collated by the inquiry request accepting means again from the customer information storage means for the identified inquiry request,
By logging in to the bank service server using the authentication information, a session is started, an instruction corresponding to the transaction inquiry type is transmitted to the bank service server, and a transaction inquiry result is transmitted from the bank service server. And end the session by logging out of the bank service server,
3. The transaction inquiry system according to claim 1, wherein the transaction inquiry result recorded in the provided information storage means is updated based on the transaction inquiry result acquired from the bank service server.

  Thereby, the transaction information during the time lag from the end of the session to the provision of the transaction inquiry result can be updated.

The system schematic of embodiment of this invention. It is explanatory drawing of the data recorded on each data storage part, (a) is a customer data storage part, (b) is an address division data storage part, (c) is a transaction inquiry request data storage part, (d) is Explanatory drawing of the data recorded on the transaction inquiry result data storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the display screen output to the display part of a mobile telephone terminal. Explanatory drawing of the process sequence of other embodiment Explanatory drawing of the process sequence of other embodiment Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Mobile phone terminal, 20 ... Banking support server, 21 ... Control part, 210 ... Inquiry request reception means, 211 ... Proxy processing means, 212 ... Inquiry result management means, 22 ... Customer data storage part, 23 ... Address classification data, 24 ... Transaction inquiry request data storage unit, 25 ... Transaction inquiry result data storage unit, 30 ... Net banking server, 40 ... Bank host system.

Claims (5)

For each user, customer information storage means for storing authentication information for logging in to the bank service server, user contact information, and information about the terminal identifier of the customer user terminal,
Inquiry classification storage means for storing transaction inquiry types corresponding to bank access destination information,
Provided information storage means for storing a terminal identifier and a transaction inquiry result for a URL;
A transaction inquiry system comprising a control means for accessing a bank service server,
The control means is
When the inquiry request is received from the user terminal, the sender information of this user terminal is specified, and the user verification is performed in comparison with the contact information recorded in the customer information storage means.
If the source information and the contact information match, a query request accepting unit that identifies a transaction query type corresponding to the access destination information that has received the query request using the query classification storage unit;
Obtaining customer authentication information verified by the user in the inquiry request receiving means from the customer information storage means,
By logging into the bank service server using the authentication information, a session is started, and an instruction corresponding to the transaction inquiry type is sent to the bank service server,
Proxy processing means for obtaining a transaction inquiry result from the bank service server and terminating the session by logging out,
Recording the transaction inquiry result and the terminal identifier in the provided information storage means in association with a URL;
Using the customer information storage means, obtain the contact information collated with the user, send a notification including the URL to the contact,
When an access request is received from the user terminal via the URL, the terminal identifier of the user terminal is acquired,
A transaction inquiry system comprising: inquiry result management means for transmitting the transaction inquiry result to the user terminal when the URL and terminal identifier are registered in the provided information storage means. The customer information storage means stores data relating to the user's email address as contact information,
The transaction inquiry system according to claim 1, wherein an inquiry request from a user terminal is acquired by electronic mail, and a transmission source address of the electronic mail is used as transmission source information. In the provided information storage means, the information acquisition time is further stored in association with the transaction inquiry result,
The transaction inquiry according to claim 1 or 2, wherein the inquiry result management means specifies and deletes a transaction inquiry result whose deletion reference time has elapsed from the information acquisition time recorded in the provided information storage means. system. For each user, customer information storage means for storing authentication information for logging in to the bank service server, user contact information, and information about the terminal identifier of the customer user terminal,
Inquiry classification storage means for storing transaction inquiry types corresponding to bank access destination information,
Provided information storage means for storing a terminal identifier and a transaction inquiry result for a URL;
A program for performing a transaction inquiry using a transaction inquiry system comprising a control means for accessing a bank service server,
The control means;
When the inquiry request is received from the user terminal, the sender information of this user terminal is specified, and the user verification is performed in comparison with the contact information recorded in the customer information storage means.
If the source information and the contact information match, a query request accepting unit that identifies a transaction query type corresponding to the access destination information that has received the query request using the query classification storage unit;
Obtaining customer authentication information verified by the user in the inquiry request receiving means from the customer information storage means,
By logging into the bank service server using the authentication information, a session is started, and an instruction corresponding to the transaction inquiry type is sent to the bank service server,
Proxy processing means for obtaining a transaction inquiry result from the bank service server and terminating the session by logging out,
Recording the transaction inquiry result and the terminal identifier in the provided information storage means in association with a URL;
Using the customer information storage means, obtain the contact information collated with the user, send a notification including the URL to the contact,
When an access request is received from the user terminal via the URL, the terminal identifier of the user terminal is acquired,
A transaction inquiry program which functions as inquiry result management means for transmitting the transaction inquiry result to the user terminal when the URL and terminal identifier are registered in the provided information storage means. For each user, customer information storage means for storing authentication information for logging in to the bank service server, user contact information, and information about the terminal identifier of the customer user terminal,
Inquiry classification storage means for storing transaction inquiry types corresponding to bank access destination information,
Provided information storage means for storing a terminal identifier and a transaction inquiry result for a URL;
A method for conducting a transaction inquiry using a transaction inquiry system comprising a control means for accessing a bank service server,
The control means is
When the inquiry request is received from the user terminal, the sender information of this user terminal is specified, and the user verification is performed in comparison with the contact information recorded in the customer information storage means.
If the source information and the contact information match, an inquiry request reception step for specifying a transaction inquiry type corresponding to the access destination information that has received the inquiry request using the inquiry classification storage unit;
Obtaining customer authentication information verified by the user in the inquiry request reception stage from the customer information storage means,
By logging into the bank service server using the authentication information, a session is started, and an instruction corresponding to the transaction inquiry type is sent to the bank service server,
A proxy processing step of obtaining a transaction inquiry result from the bank service server and terminating the session by logging out;
Recording the transaction inquiry result and the terminal identifier in the provided information storage means in association with a URL;
Using the customer information storage means, obtain the contact information collated with the user, send a notification including the URL to the contact,
When an access request is received from the user terminal via the URL, the terminal identifier of the user terminal is acquired,
A transaction inquiry method comprising: performing an inquiry result management step of transmitting the transaction inquiry result to the user terminal when the URL and terminal identifier are registered in the provided information storage means.

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