JP2013157039A - Finance application server, portable bankbook entry system, payment processing method, and finance application program - Google Patents

Abstract

Provided is a portable passbook entry system in which a person in charge of external affairs reflects deposit processing of a depositor outside a financial institution in a ledger in real time to prevent fraudulent persons in charge of foreign affairs or a depositor.
The present invention is a financial application server connected to an account ledger server for managing a depositor's account and requesting a deposit process from a passbook entry device of a foreign affairs person as a deposit process to a depositor's account. Yes, having a communication control unit that performs communication with the passbook entry device, and the communication control unit, when communication with the passbook entry device is abnormally disconnected, abnormal disconnection information indicating the disconnection time and abnormal disconnection Is recorded in the log storage unit, and when communication is reconnected, the log storage unit checks whether there is abnormal disconnection information corresponding to the passbook entry device. If abnormal disconnection information is recorded, abnormal disconnection information is written. When the log storage unit refers to a process that has been normally completed before the predetermined time and detects that the deposit process is completed, information indicating the end of the deposit process is transmitted to the bookkeeping apparatus.
[Selection] Figure 1

Description

  The present invention relates to a financial application server, a mobile bank bookkeeping system, a deposit processing method, and a financial application program, in which a staff member of a financial institution goes to a user and performs a book entry for the user's deposit process using a portable terminal.

Currently, transactions from ATMs (automated cash deposit / withdrawal systems) using cash cards or Internet banking are being used as bank book transactions at financial institutions. And post diary) can only be implemented at ATMs installed at financial institution store counters or branch offices.
Transactions using such a passbook require the user to go to the store window or ATM. For this reason, depending on the financial institution, as a service to the customer, a representative of the financial institution (a person in charge of external affairs) goes to the customer's home to a good customer or a regular contract customer, deposits a bankbook, cash or bills, etc. There are also financial institutions that conduct transactions and bookkeeping, etc., and conduct external activities that return them to users after the processing is completed.

That is, before returning to the store, for example, at the depositor's house, deposit / withdrawal / custody information is converted into data using a portable terminal equipped with a MS (magnetic stripe) reading function of the bankbook, and after returning to the store , Online transmission and performance management.
However, in the processing mode described above, there is a risk of loss or theft when a foreign affairs representative takes the customer's bankbook, cash, bills, etc. back to the store. As a result, payment processing is delayed, and there is a possibility that the payment due date of the user will not be met.
Further, it is necessary to return the bankbook, cash, bills, etc. deposited by the user from the user to the user after the processing is completed.

For this reason, there is a configuration in which a mobile terminal has a communication function capable of connecting to a store host computer, a printer function is provided for printing transaction contents in the entry field of the bankbook, and transactions are made at the user's home (for example, , See Patent Document 1).
Thereby, the person in charge of external affairs can make a deposit corresponding to the transaction in the deposit passbook at the user's house, and it is possible to save the trouble of bringing the user's deposit passbook back to the store and returning it to the user.

Japanese Patent Laid-Open No. 06-103295

However, in the portable passbook entry terminal described in Patent Document 1, the transaction itself actually rewrites the transaction in the ledger, that is, the user account data for the account ledger database in the host computer. After returning to the store, the data change processing for the account ledger database was not performed at the time of entry at the terminal.
Therefore, in the portable passbook entry terminal, since the data change in the account ledger database is not performed in real time, it has not been solved about preventing the user from making a bankrupt due to a delay in the deposit process. .
In addition, since the data change process in the account ledger database is after the fact and there is a time difference before the cash is actually deposited, the fraudulent person in charge of foreign affairs or depositor due to the fact that accurate payment confirmation processing cannot be performed There are drawbacks that cannot be prevented.

  The present invention has been made in view of such circumstances, and prevents a foreign affairs representative from reflecting a deposit process from a depositor outside the financial institution in the ledger in real time to prevent a bankruptcy. Alternatively, the present invention provides a portable passbook entry system that prevents depositor's fraud and a financial application server used therefor.

The financial application server of the present invention stores at least the deposit balance, deposit amount, withdrawal amount, date of deposit or withdrawal processing, and type of terminal that performed the deposit processing, corresponding to the account number of the depositor. And when the withdrawal process is input from the depositor, the withdrawal amount requested in the withdrawal process and the account number of the depositor are read out from the account ledger database. Whether or not to perform the withdrawal process of the withdrawal amount based on the amount deposited by the depositor on the date when the withdrawal process is requested and the identification information of the terminal or window where the depositor has performed the withdrawal process In the case of a withdrawal process performed at a financial institution's terminal without being faced with a bank employee at the financial institution's window, the amount requested in the withdrawal process corresponds to the corresponding account. In If the amount of money deposited on the same day as the date on which the withdrawal processing is requested exceeds the amount obtained by subtracting the amount deposited on the same day from a preset type of terminal, the withdrawal processing is stopped. The account ledger server comprising the account ledger control unit, which manages the depositor's account, is connected to the account ledger server according to claim 1, and is connected to a passbook bookkeeping apparatus carried by a person in charge of external communication at a financial institution. A financial application server for requesting an input deposit process as a deposit process for the account of a corresponding depositor, a communication control unit for controlling communication with the passbook bookkeeping device, and a public relations from the passbook bookkeeping device An authentication processing unit that determines whether or not to permit login based on the identification information of the person in charge, and a deposit limit amount per day for each account are set in advance, and deposit from the terminal in each account for each day A transaction regulation check unit that detects whether or not the accumulated amount exceeds the deposit limit amount, and a transaction / security log storage unit that records a history of the process requested by the passbook entry device. The communication control unit, the authentication processing unit, and the transaction regulation check unit each record the result of each processing in the transaction / security log storage unit, and the communication control unit is connected to the passbook entry device. If the communication is abnormally disconnected, the abnormal disconnection time indicating the abnormal disconnection time and the abnormal disconnection information indicating the abnormal disconnection is recorded in the transaction / security log storage unit, and the communication with the passbook entry device is reconnected. In the transaction / security log storage unit, the transaction / security log storage unit confirms whether or not there is abnormal disconnection information corresponding to the passbook entry device. If abnormal disconnection information is recorded, abnormal disconnection information is written. When the transaction / security log storage unit refers to the process that ended normally before the time and detects that the deposit process is completed, information indicating that the deposit process is completed is stored in the passbook entry. It transmits to an apparatus, It is characterized by the above-mentioned.

The portable passbook entry system of the present invention includes an account ledger server for managing depositor accounts, a portable passbook entry device carried by a foreign affairs officer of a financial institution, and the depositor input from the portable passbook entry device. A mobile passbook entry system comprising a financial application server that requests a deposit process for an account, wherein the account ledger server corresponds to the account number of the depositor, and at least a deposit balance, deposit amount, withdrawal amount, deposit or When the withdrawal process is input from the account ledger database storing the date of the withdrawal process, the type of terminal that performed the withdrawal process, and the depositor, the withdrawal amount requested in this withdrawal process And the amount deposited by the depositor on the date when the withdrawal process read out from the account ledger database corresponding to the account number of the depositor is requested, and The depositor determines whether or not to perform the withdrawal process of the withdrawal amount based on the identification information of the terminal or the window where the deposit processing is performed, and without performing the face-to-face with the bank employee at the window of the financial institution, In the case of a withdrawal process performed at the terminal of a financial institution, the amount requested in the withdrawal process is determined from the amount deposited on the same day as the date on which the withdrawal process is requested in the corresponding account. An account ledger control unit that stops the withdrawal process when the amount of money deposited on the same day from a terminal of a preset type is exceeded, and the financial application server communicates with the passbook entry device A communication control unit for controlling communication, an authentication processing unit for determining whether or not to permit login from the portable passbook entry device, and a deposit limit amount per day for each account are set in advance. The terminal in the account Transaction control check unit for detecting whether or not the accumulated amount of the deposit amount exceeds the deposit limit amount, and a transaction / security log storage unit in which the history of the process of performing the processing requested from the passbook entry device is recorded Each of the communication control unit, the authentication processing unit, and the transaction regulation check unit records the results of the respective processing in the transaction / security log storage unit, and the communication control unit stores the passbook. If the communication with the bookkeeping device is abnormally disconnected, the abnormal disconnection time and the abnormal disconnection information indicating the abnormal disconnection are recorded in the transaction / security log storage unit, and the communication with the bankbook recording device is resumed. When connected, the transaction / security log storage unit checks whether there is abnormal disconnection information corresponding to the passbook entry device. If abnormal disconnection information is recorded, the abnormal disconnection information is written. The transaction / security log storage unit refers to a process that has been completed successfully before the entered time, and if it is detected that the deposit process has been completed, information indicating that the deposit process has been completed is displayed. And transmitting to the passbook entry device.

The deposit processing method of the present invention includes an account ledger server for managing a depositor's account, a portable passbook entry device carried by a foreign affairs officer of a financial institution, and the depositor's account input from the portable passbook entry device. A deposit processing method in a financial system comprising a financial application server for requesting a deposit process for the deposit account, wherein the account ledger control unit performs the deposit account for the deposit process from the portable passbook entry device. Storing at least the deposit balance, deposit amount, withdrawal amount, date of deposit or withdrawal process, type of terminal that performed the deposit process in the account ledger database, and said account ledger control When the withdrawal process is input from the depositor, the withdrawal amount requested in the withdrawal process and the depositor's The withdrawal amount based on the amount deposited by the depositor on the date when the withdrawal process read corresponding to the seat number is requested and the identification information of the terminal or the window where the depositor performed the deposit process In the case of withdrawal processing performed at a financial institution's terminal without being faced with a bank employee at the financial institution's window, a request is made in the withdrawal processing. The amount of money exceeds the amount of money deposited on the same day as the day when the withdrawal process is requested in the corresponding account minus the amount of money deposited on the same day from a terminal of a preset type. In this case, in the financial application server, in the financial application server, the communication control unit controls the communication with the passbook bookkeeping device, and the authentication processing unit permits the login from the portable passbook bookkeeping device. Whether or not And whether the transaction regulation check unit has set a deposit limit amount per day for each account in advance, and whether the total deposit amount from the terminal in each account exceeds the deposit limit amount every day A process of detecting whether or not, a process in which the communication control unit, the authentication processing unit, and the transaction regulation check unit each record a result of each processing in a transaction / security log storage unit, and the communication control unit When the communication with the passbook entry device is abnormally disconnected, the abnormal disconnection time indicating abnormal disconnection time and abnormal disconnection information is recorded in the transaction / security log storage unit, and with the passbook entry device When communication is reconnected, the transaction / security log storage unit checks whether there is abnormal disconnection information corresponding to the passbook entry device, and if abnormal disconnection information is recorded, Information indicating that the deposit process has been completed when the transaction / security log storage unit refers to the process that ended normally before the time when the information was written and detects that the deposit process has been completed. Is transmitted to the bankbook entry device.

  The financial application program of the present invention is a computer-executable program that causes a computer to execute the operation of the financial application server described above.

As described above, according to the present invention, when the deposit process is performed in the portable passbook entry device carried by the foreign affairs person in charge, the amount of the deposit process is reflected in real time on the account ledger database. As described above, it is possible to obtain the effect of eliminating the adverse effects such as the user making a bankruptcy due to the delay of the deposit processing by requesting the person in charge of external affairs.
Further, according to the present invention, in the account ledger database, an item for performing the type of the terminal that has made the deposit process is added, so that the deposit process can be accurately reflected in the account ledger database. In addition, it is possible to identify the deposit confirmation process, and it is possible to determine the amount that is not actually deposited in the withdrawal amount of the withdrawal process, thereby preventing fraudulent persons in charge of public relations or depositors.

It is a block diagram which shows the structural example of the portable passbook bookkeeping system by one Embodiment of this invention. It is a conceptual diagram which shows the structure of the table memorize | stored in the account ledger database 102 in FIG. It is a flowchart which shows the operation | movement by the portable passbook bookkeeping system in the money_receiving | payment process in FIG.

Hereinafter, a portable passbook system according to an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a configuration example of a portable passbook entry system according to the embodiment.
In this figure, the mobile passbook entry system in this embodiment comprises an account ledger server 100, a financial application server 200, and a mobile passbook entry device 300.
Here, a plurality of financial application servers 200 are connected to the account ledger server 100. The financial application server 200 is arranged at a financial institution's head office, branch office, etc., and corresponds to the deposit / withdrawal from the counter terminal 151 of the window, the ATM 150 to be managed, and the mobile passbook entry device 300, respectively. Request processing.

The account ledger server 100 includes an account ledger control unit 101 and an account ledger database 102.
The account ledger control unit 101 receives a deposit process request message indicating a deposit process transmitted from the financial application server 200 (for example, transaction identification number that identifies each message from the financial application server 200, information indicating a deposit process, The account number of each depositor in the account ledger database 102 based on the amount, account number, date, type of terminal on which the deposit process was performed, and terminal identification information that identifies each mobile terminal 301 on which the deposit process was performed. When the deposit information including the balance is rewritten and the rewriting is completed, the completion of the rewritten processing is returned as a payment process completion message (transaction serial number, account number, date, deposit amount, information indicating termination, terminal identification information) The data is transmitted to the financial application server 200. As long as the transaction information identification information is information that can identify each transaction individually, the transaction information identification information may be alphabets, numbers, or a combination of these. Here, the deposit processing request message includes at least a transaction serial number, information indicating the deposit processing, an amount, an account number, a date, a type of terminal on which the deposit processing has been performed, and terminal identification information (for example, a portable terminal machine number). have. The deposit processing end message has at least a transaction serial number, an account number, a date, a deposit amount, information indicating termination, and terminal identification information.

In addition, the account ledger control unit 101 sends an accounting data request message indicating accounting data request processing transmitted from the financial application server 200 (transaction serial number, information indicating accounting processing, account number, date, terminal of the terminal on which the deposit processing has been performed. Type, terminal identification information), the balance is read from the account of the corresponding depositor from the account ledger database 102, and as an answer to the book data request, the book data answer message (transaction serial number, information indicating book processing, account number, date, balance) Data, terminal identification information) to the financial application server 200. Here, the entry data request message has at least transaction serial number, information indicating the entry process, account number, date, type of terminal on which the deposit process has been performed, and terminal identification information. The book data reply message has at least a transaction serial number, information indicating book processing, an account number, date, balance data, and terminal identification information.
The account ledger database 102 stores a table having the configuration shown in FIG. 2. For each depositor's account number, the date on which some processing was performed on the account, transaction details (for example, discrimination of deposits and withdrawals) , At least data such as the transaction amount, the type of transaction terminal, the information financial institution identification number identifying the financial institution to which the transaction terminal belongs and its branch, and the balance of the account are stored. Further, in the account ledger database 102, in addition to the items described above, caution information for accidents such as theft or loss of the passbook may be recorded corresponding to each account number.
This caution information can be used as restriction information for transactions from the mobile terminal 301 or other terminals (such as ATM 150).

The financial application server 200 includes a communication control unit 201, an authentication processing unit 202, a transaction regulation check unit 203, an online message assembly unit 204, a message control unit 205, an online message replacement unit 206, a transaction result management unit 207, and a book data assembly unit. 208, an online transaction information storage unit 209, a user management information storage unit 210, a transaction / security log storage unit 211, and an account authentication unit 212. In addition, the financial application server 200 is directly connected to the ATM 150 arranged at a predetermined place and the terminal 151 used as a terminal of a financial institution as a terminal for processing deposits and withdrawals and bookkeeping. Has been.
The communication control unit 201 detects a communication state (connection state of wireless communication for transmitting / receiving data) with the mobile passbook entry device 300, and the transaction time and the connection time with the mobile passbook entry device 300 together with the terminal identification information. Write to the log storage unit 211, and write the time at which the connection with the mobile passbook entry device 300 was disconnected to the transaction / security log storage unit 211 together with the terminal identification information, and record the communication with the mobile passbook entry device 300 . In addition, the communication control unit 201 transmits a response signal indicating whether or not the transmission from the portable passbook entry device 300 has been received to the corresponding portable passbook entry device 300. Here, the terminal identification information is information for identifying each portable terminal 301.

  When the login request signal is input from the mobile passbook entry device 300, the authentication processing unit 202 identifies the user (traffic officer) user identification information input from the mobile passbook entry device 300 and the mobile terminal 301. In the user table (user identification information and terminal identification information for identifying the mobile terminal 301 are stored correspondingly) in the user management information storage unit 210, the identification information is stored in the user management information storage unit 210. Whether or not information is stored in correspondence with each other, and when information that matches the combination of the user identification information and the terminal identification information is stored, the legitimacy of the user is authenticated and the financial application server 200, a success signal indicating that the login to 200 is successful is transmitted to the portable passbook entry device 300, while the user identification information and the terminal identification information are stored correspondingly. No case, not established authentication validity of users, login to the financial application server 200 transmits a failure signal indicating the failure to the mobile passbook bookkeeping device 300.

In addition, when the login request signal for requesting the above-described login is input from the mobile passbook entry device 300, the authentication processing unit 202, the time when the login request signal is input, the terminal identification information, and the login success and failure. Is recorded in the transaction / security log storage unit 211 as a log, and information indicating whether or not a success signal or failure signal has been transmitted to the corresponding portable terminal 301 is recorded.
Whether the account authorization processing unit 212 has the account number data read from the MS (magnetic stripe) of the passbook via the magnetic stripe reading unit provided in the passbook printer 32 to the ledger server 100 in a predetermined format. When it is confirmed that the data format is normal, the validity of the following account number is checked. If it is detected that the data is not normal, an error result is transmitted to the portable terminal 301. .
Further, the account authorization processing unit 212 inquires the account ledger server 100 for the account number, inquires whether or not the account number to be traded is registered in the ledger database 102, and the account number is registered in the ledger database 102. The transaction is permitted when the account number is registered in the ledger database 102, and when the account number is not registered, an error result is transmitted to the portable terminal 301. The transaction cancellation is displayed on the display section. At this time, when the log-in request signal for requesting the log-in described above is input, the account authorization processing unit 212 is either the time when the log-in request signal is input, the terminal identification information, or the log-in success or failure. Information indicating whether or not the information, success signal or failure signal has been transmitted to the corresponding portable terminal 301 is written and recorded in the transaction / security log storage unit 211 as a log.

The user management information storage unit 210 performs a deposit limit, which is the maximum amount that can be deposited per day, an accumulated deposit amount indicating the total amount deposited so far on that day, and a preset deposit process. The possible transaction time range is stored for each account. Here, the accumulated payment amount is reset to “0” every day when the transaction is started.
The transaction restriction check unit 203 receives a deposit request message from the portable passbook entry device 300 (a message identification number identifying each message transmitted from the portable terminal 301, for example, a message serial number, information indicating the deposit process, an amount of money , The account number, the date, the terminal identification information of the mobile terminal 301 on which the deposit process has been performed, and the financial institution identification number identifying the financial institution to which the terminal belongs) are input from the user management information storage unit 210. Read the accumulated deposit amount in the account, add the amount described in the deposit request message to this accumulated deposit amount, detect whether the addition result exceeds the above deposit limit, and below the deposit limit In this case, the deposit request message is transmitted to the online message assembly unit 204, and when the deposit limit is exceeded, the deposit information is discarded, and the deposit request information is carried out via the communication control unit 201. Against passbook bookkeeping device 300, it sends a failure signal indicating the payment fails to indicate that the deposit amount exceeds the limit per day. The message information identification information may be alphabets, numbers, or a combination of these as long as each message can be individually identified. Here, the payment request message includes at least message identification information, information indicating payment processing, an amount, an account number, a date, terminal identification information of the mobile terminal 301 on which the payment processing has been performed, and a financial institution to which the terminal belongs. Have a financial institution identification number.

  The online message assembly unit 204 identifies the deposit request message (message serial number, deposit processing information, amount, account number, date, terminal identification information of the portable terminal 301 on which the deposit process has been performed, and the financial institution to which the terminal belongs. Financial institution identification number), deposit processing request message (message serial number, information indicating deposit processing, amount, account number, date, type of terminal on which deposit processing was performed, financial institution that identifies the financial institution to which the terminal belongs The identification number is rewritten to the account ledger server 100 via the message control unit 205. The online message assembling unit 204 has a table of terminal identification information and terminal type in the internal storage unit, reads out the terminal type corresponding to the input terminal identification information, and identifies the terminal identification in the deposit request message. The information is rewritten to the type of terminal in the deposit processing request message. Here, the deposit processing request message includes at least a message serial number, information indicating deposit processing, an amount, an account number, a date, the type of terminal on which the deposit processing has been performed, and a financial institution identification number that identifies the financial institution to which the terminal belongs. have.

In addition, the online message assembly unit 204 includes an accounting request message (message serial number, information indicating an accounting data request, account number, date, terminal identification information of the mobile terminal 301 on which the accounting request processing is performed, and a financial institution to which the terminal belongs. Identify the financial institution identification number), the data entry request message (message serial number, information indicating the book processing, account number, date, type of terminal on which the book request processing was performed, and financial institution to which the terminal belongs The identification number is rewritten to the account ledger server 100 via the message control unit 205. Also, the online message assembly unit 204 stores a table of terminal identification information and terminal type in the internal storage unit, reads out the terminal type corresponding to the input terminal identification information, and receives a deposit request message and a registration request. The terminal identification information in the message is rewritten to the terminal type in the deposit processing request message and the book data request message. Here, the accounting request message includes at least an electronic message serial number, information indicating an accounting data request, an account number, a date, terminal identification information of the mobile terminal 301 on which the accounting request processing has been performed, and a financial institution that identifies the financial institution to which the terminal belongs. Has an institution identification number.
The terminal type is any terminal such as the portable terminal 301 in the portable passbook device 300, a terminal such as an ATM 150 provided in a financial institution, or a window terminal 151 used by a bank employee provided in the financial institution. It is data indicating whether or not.

The message control unit 205 replaces the message sequence number in the receipt processing request message input from the online message assembly unit 204 with the transaction sequence number, and receives the receipt processing request message (transaction sequence number, information indicating receipt processing, amount, account number, date, receipt The type of terminal that has been processed, the financial institution identification number that identifies the financial institution to which the terminal belongs, and terminal identification information) to the account ledger server 100, and the receipt request message and receipt processing request message. Correspondingly, the online transaction information storage unit 209 is written and recorded.
Similarly, the message control unit 205 replaces the message sequence number in the entry data request message input from the online message assembly unit 204 with the transaction sequence number, and enters the entry data request message (transaction sequence number, information indicating the entry process, account number, date, (The type of the terminal for which the book entry request processing has been performed, the financial institution identification number for identifying the financial institution to which the terminal belongs, and the terminal identification information) are transmitted to the account ledger server 100, and the book entry request message and book data supply message Are written in the online transaction information storage unit 209 and recorded.

When the deposit processing end message is input from the account ledger server 100 via the telegram control unit 205, the online message replacement unit 206 receives the deposit processing request message having the same transaction serial number stored in the online transaction information storage unit 209. , The message serial number and the terminal identification information are extracted from the payment request message, and the payment processing end message (transaction serial number, account number, date, deposit amount, Information indicating termination, terminal identification information) is changed to a deposit termination message (message serial number, terminal identification information, account number, date, deposit amount, information indicating termination), and this deposit termination message is sent to the transaction result management unit 207. Output.
In addition, the online message replacement unit 206 writes and records it in the online transaction information storage unit 209 in association with the payment processing request message and the payment request message together with the received payment processing end message.

Further, when the online data replacement unit 206 receives a data entry response message via the electronic message control unit 205, the online message replacement unit 206 corresponds to the book data request message having the same transaction serial number stored in the online transaction information storage unit 209. A request message is read, a message serial number and terminal identification information are extracted from the book supply message, and a book data response message (transaction number, information indicating book processing, account number, date, balance) input via the message control unit 3 Data, terminal identification information) is changed to a book entry reply message (message serial number, terminal identification information, book processing information, account number, date, balance data), and this book reply message is sent to the transaction result management unit 207. Output. Here, the bookkeeping answer message includes at least a message serial number, terminal identification information, information indicating bookkeeping processing, account number, date, and balance data.
Further, the online message replacement unit 206 writes the recorded entry response message together with the entered entry data response message to the entry request message and entry data request message, and writes and records it in the online transaction information storage unit 209.

The transaction result management unit 207 reads the accumulated payment amount corresponding to the account number described in the deposit end message from the user management information storage unit 210, and the deposit amount as a transaction result is described above for the accumulated deposit amount. It is read out from the payment end message and added, and the addition result is overwritten as a new accumulated payment amount corresponding to this account number in the user management information storage unit 210, the accumulated payment amount is updated, and the book data assembling unit 208 is updated. To the communication control unit 201.
In addition, the communication control unit 201 writes and records the payment end message in the transaction / security log storage unit 211 corresponding to the time when the payment end message input from the transaction result management unit 207 is transmitted to the mobile passbook entry device 300. .

The bookkeeping data assembling unit 208 changes the payment completion message to a completion message (message serial number, terminal identification information, payment amount, information indicating successful payment) in a format for transmitting the payment completion message to the portable passbook entry device 300. Here, the end message has at least information indicating a message serial number, terminal identification information, a deposit amount, and a deposit success.
In addition, the entry response message input from the online message replacement unit 206 via the transaction result management unit 207 is set as entry data (message serial number, terminal identification information, account number, date, balance data) via the communication control unit 201. It transmits to the portable passbook entry device 300. Here, the communication control unit 201 writes the book data to the transaction / security log storage unit 211 in correspondence with the time when the book data input from the book data assembling unit 208 is transmitted to the portable passbook bookkeeping apparatus 300. Record. Here, the bookkeeping data includes at least data of a message serial number, terminal identification information, account number, date, and balance.

The mobile terminal 301 is carried when a foreign inspector in a financial institution visits a depositor's house for requesting mobile payment, and performs depositing or bookkeeping processing outside the building of the financial institution. PHS (Personal Handy -phone System) or the like, and is connected to the financial application server 200 via this mobile communication system.
In addition, after the mobile terminal 301 is connected to the financial application server 200, a process selection screen is displayed on the display screen, and a deposit process or a bookkeeping process is selected by an outsider, and an account number is input (in the case of a deposit process). If the money amount is included), the deposit request message or the entry request message is transmitted to the financial application server 200 corresponding to the selected process.

The passbook printer 302 holds a passbook to be inserted, and performs a bookkeeping process by printing bookkeeping data input from the financial application server 200 via the portable terminal 301 on the inserted passbook.
Further, the passbook printer 302 is equipped with a reading unit that reads the account number of the depositor recorded in the MS (magnetic stripe) of the passbook attached to the passbook, and when the passbook is placed at a predetermined position, The bankbook is taken in by the bankbook MS and the insertion is recognized, the account number is read from the bankbook MS, and the read account number is output to the portable terminal 301.

Next, an example of the operation of the mobile passbook system according to one embodiment will be described with reference to FIG. FIG. 3 is a flowchart showing a processing example of the portable passbook entry system according to the embodiment.
A case will be described in which a foreign affairs representative goes to the depositor's house and performs the deposit process to the account ledger server 100 by the portable passbook entry device 300 in response to the deposit process from the depositor.
When the person in charge of public relations inputs the personal identification number set for each portable terminal 301 to the portable terminal 301 from a key or the like (step S1), the portable terminal 301 determines whether the personal identification number is valid, for example, for authorization. Is compared with the password entered by the foreign affairs representative (step S2). If they match, the validity of the password is determined and the process proceeds to step S3. finish.

The portable terminal 301 displays a login screen for logging in to the financial application server 200 when the personal identification number stored therein matches the personal identification number entered by the person in charge of external affairs.
When this login screen is displayed, the person in charge of public relations enters his or her identification information in the input field for identification information on the login screen. When the confirmation key is pressed, the mobile terminal 301 transmits a login request message in which its own terminal identification information is added to the identification information to the financial application server 200 (step S3).

When the authentication processing unit 202 receives the login request message via the communication control unit 201, the authentication processing unit 202 refers to the user management information storage unit 210, and determines the validity of the combination of the input identification information and the terminal identification information. (Step S4) If the same combination as the combination of the input identification information and the terminal identification information is detected in the user management information storage unit 210, the process proceeds to step S5 as successful authentication, and if not detected, the authentication is performed. The process proceeds to step S3 as failure, and a screen for prompting input of identification information again is displayed on the display screen of the portable terminal 301.
At this time, the authentication processing unit 202 records, in the transaction / security log storage unit 211, the reception of the log-in request message and the history of success or failure of authentication.

Next, the authentication processing unit 202 displays on the display unit of the mobile terminal 301 a screen for prompting the passbook printer 302 to insert a passbook and a screen for selecting the type of processing requested to the account ledger server 100. (Step S5).
Then, the account authorization processing unit 212 performs confirmation processing of the account number recorded in the MS, for example, reads account number data from the MS of the passbook inserted in the printer 302, and the number of bytes of this data is the authorization byte. The number of bytes matches (number of bytes is correct), and the parity check of the byte data is performed to check whether the byte data is recorded correctly (step S6). The process proceeds to step S7.
In step S <b> 7, the account authorization processing unit 212 transmits an error result to the mobile terminal 301 and displays transaction cancellation on the display unit of the mobile terminal 301.
Further, when the account authorization processing unit 212 detects that the number of bytes matches the number of authorized bytes and byte data is correctly recorded, the account authorization processing unit 212 sends the account number read from the MS of the passbook to the ledger server 100, An inquiry is made to the account ledger server 100 to inquire whether or not the account number to be traded is registered in the ledger database 102.
When the account ledger control unit 101 receives an account number inquiry from the account authorization processing unit 212, the account ledger control unit 101 detects whether or not the account number is recorded in the account ledger database 102, and displays a result indicating the presence or absence of recording. To the account authorization processing unit 212.
Upon receipt of this result, the account authorization processing unit 212 performs a legitimacy check by answering whether or not the account number is registered in the ledger database 102, and performs a transaction when the account number is registered in the ledger database 102. The process proceeds to step S8 with permission, and if not registered, the process proceeds to step S7 and the error result is transmitted to the portable terminal 301.
At this time, when the log-in request signal for requesting the log-in described above is input, the account authorization processing unit 212 is either the time when the log-in request signal is input, the terminal identification information, or the log-in success or failure. Information indicating whether or not the information, success signal or failure signal has been transmitted to the corresponding portable terminal 301 is written and recorded in the transaction / security log storage unit 211 as a log.

<Deposit processing>
Then, when the person in charge of public relations selects, for example, a deposit process from the above screen, the portable terminal 301 displays an entry field for entering the amount to be deposited in accordance with the deposit process.
By this display, the person in charge of external affairs inserts the passbook into the passbook printer 302, inputs the amount requested to be deposited by the depositor in the entry field, and enters the confirmation key, so that the mobile terminal 301 can And the account number output by the passbook printer 302 is read (step S8).

  Then, when the deposit amount and the account number are input, the mobile terminal 301 adds at least a message message serial number, information indicating the deposit process, the date of the day, and its own terminal identification information to the amount and account number. The received payment request message is created (step S9), the received payment request message is transmitted to the financial application server 200, and the deposit amount and the account number are displayed on the display screen.

Next, when the deposit request message is input via the communication control unit 201, the transaction restriction check unit 203 extracts the deposit request amount and account number from the deposit request message, and corresponds to the account number. The deposit limit amount and the accumulated deposit amount are read from the user management information storage unit 210. Here, when receiving the deposit request message, the communication control unit 201 writes and records this deposit request message in the transaction / security log storage unit 211 corresponding to the received time.
And the transaction regulation check part 203 reads the transaction time slot | zone which shows the time slot | zone which performs a money_receiving | payment process from the user management information storage part 210, determines whether the present time is included in this transaction time slot | zone, If it is not included, the process proceeds to step S10. If it is included, the limit of the deposit amount shown below is determined.

If it is within the transaction time, the transaction regulation check unit 203 adds the amount of the deposit request read from the deposit request message to the accumulated deposit amount read from the user management information storage unit 210, and the addition result is the user management information. It is determined whether or not the deposit amount is less than or equal to the deposit limit read from the storage unit 210 (step S10). If the addition result exceeds the deposit limit, the process proceeds to step S11.
On the other hand, when the addition result is equal to or less than the deposit limit, the transaction regulation checking unit 203 transmits a deposit request message from the portable bankbook entry device 300 to the online message assembling unit 204, and the process proceeds to step S12.

When the addition result exceeds the deposit limit, the transaction regulation check unit 203 cannot perform the deposit process on the mobile terminal 301 outside the transaction time period, or the deposit limit is exceeded because the deposit limit is exceeded. A failure signal indicating that it cannot be performed is transmitted (step S11). At this time, the transaction regulation check unit 203 corresponds to the time when the deposit request message is input, and the deposit request message is input, because it is not a transaction time zone or the input request amount exceeds the deposit limit amount. A log indicating that the deposit process is stopped is written and recorded in the transaction / security log storage unit 211.
As a result, the mobile terminal 301 displays an error output indicating that the deposit limit is exceeded and the deposit process cannot be performed on the display screen.

  On the other hand, when the addition result is equal to or less than the deposit limit, the transaction regulation checking unit 203 outputs the deposit request message to the online message assembling unit 204, and makes the deposit request message correspond to the time when the deposit request message is input. Is entered, and a log indicating that the input request amount is equal to or less than the deposit limit amount and the deposit process is executed is written and recorded in the transaction / security log storage unit 211.

Next, when a deposit request message is input, the online message assembling unit 204 creates a deposit processing request message in accordance with a format for making a deposit request to the account ledger server 100 (step S12), and deposit processing. The electronic message and the created deposit processing request message are output to the electronic message control unit 205.
When the deposit processing message and the deposit processing request message are input, the message control unit 205 adds a transaction sequence number to the deposit processing request message, and after rewriting the message sequence number in the deposit processing request message to this transaction sequence number, The deposit request message and the deposit processing request message are associated with each other and written in the online transaction information storage unit 209, and the deposit processing request message is transmitted to the account ledger server 100 (step S13).

When the deposit request processing message is input, the account ledger control unit 101 reads the account number, the amount to be deposited, the financial institution identification number for identifying the financial institution to which the terminal belongs, and the type of terminal from the deposit processing request message. Corresponding to the above account number, the transaction contents, transaction amount, date, transaction terminal type (terminal type), financial institution identification number, and the balance reflecting the payment amount are written in the account ledger database 102. (Step S14).
Then, the ledger control unit 101 adds the same transaction serial number as the deposit request message corresponding to the deposit processing end message to the financial application server 200 to the deposit processing end message indicating that the deposit processing is completed. Send.

  When the deposit process end message is input, the online message replacement unit 206 converts the deposit process end message into a deposit end message that is in the form of a message to be transmitted to the mobile passbook entry device 300, and the transaction result management unit It outputs to 207 (step S15).

  Next, the transaction result management unit 207 extracts the deposit amount and the account number from this deposit end message, reads the accumulated deposit amount corresponding to this account number from the online transaction information storage unit 209, and uses this accumulated transaction amount as the accumulated deposit amount. On the other hand, the amount of the deposit process extracted above is added, the addition result is written corresponding to the account number, the accumulated deposit amount is updated, and the process proceeds to step S18 (step S16). Further, the transaction result management unit 207 writes and records the updated deposit amount and the changed date in the transaction / security log storage unit 211 in association with the account number.

Then, the bookkeeping data assembling unit 208 changes the payment completion message to a termination message (message serial number, terminal identification information, payment amount, information indicating successful payment) in a format for transmitting the payment completion message to the portable bankbook bookkeeping apparatus 300. (Step S17).
When the end message is input, the communication control unit 201 transmits the input end message to the mobile passbook entry device 300 (step S18) and corresponds to the time when the end message is transmitted to the mobile passbook entry device 300. Then, the end message is written and recorded in the transaction / security log storage unit 211.

Next, when the end message is input, the portable terminal 301 displays information indicating the deposit amount and the deposit success as a processing result on the display screen (step S19).
Then, the mobile terminal 301 displays a selection screen for selecting whether to log out from the processing of the financial application server 200 or continue other processing, and determines whether or not the selection result is logout (step) S20) In the case of logout, the process proceeds to step S21. On the other hand, in the case of continuing the process, the process proceeds to step S5.
In the case of logout, the mobile terminal 301 logs out from the processing of the financial application server 200 (step S21).
Transactions sent from the financial application server 200 to the account ledger server 100 and messages sent from the account ledger server 100 to the financial application server 200 stored in the online transaction information storage unit 209 are traded for the same processing. Although it has been described that the correspondence is based on the serial number and the electronic message serial number, the transaction serial number and the terminal identification information may be associated with the electronic message serial number and the terminal identification information.
Therefore, the online message assembly unit 204 and the online message replacement unit 206 use the transaction sequence number and terminal identification information, and the message sequence number and terminal identification information to rewrite the message in the same process when rewriting the message. The serial number and terminal identification information, and the message serial number and terminal identification information may be extracted from each message and used for association.

<Booking process>
When the processing is continued, the authentication processing unit 202 displays a screen for selecting the type of processing requested to the account ledger server 100 on the display unit of the mobile terminal 301.
Then, when the person in charge of foreign exchange records the result of the previous deposit process from the above screen, when the bookkeeping process is selected (step S5), the bankbook is already inserted into the bankbook printer 302, and the account number The mobile terminal 301 reads the account number output by the passbook printer 302 as data necessary for processing when the confirmation key for executing the processing is pressed because it recognizes that the validity has been determined. Step S8).
Further, when only the bookkeeping process is performed, that is, when the deposit process is not performed immediately before, the same process is performed from step S1 to step S8 except that the deposit process described above is different from the selected process. .

  Then, when the account number is input, the portable terminal 301 is a message serial number that is a message identification information for identifying a message, information indicating a bookkeeping process, date of the day, and information for identifying the portable terminal itself. An accounting request message to which at least certain terminal identification information (for example, a mobile terminal device number) is added is created (step S9), and the accounting request message is transmitted to the financial application server 200.

When receiving the entry request message, the communication control unit 201 writes and records the entry request message in the transaction / security log storage unit 211 corresponding to the received time.
Next, when the above-mentioned book request message is input, the transaction restriction check unit 203 outputs this book request message to the online assembly unit 204 without performing the transaction restriction process, that is, the process of step 8 because it is not a deposit process. Then, the process proceeds to step S12.

Next, when an entry request message is input, the online message assembly unit 204 creates an entry data request message in accordance with a format for making an entry request to the account ledger server 100 (step S12), and an entry request is issued. The electronic message and the created entry data request message are output to the electronic message control unit 205.
When the above entry request message and entry data request message are input, the message control unit 205 adds a transaction number to the entry data request message, and rewrites the message number in this entry data request message to this transaction number. The accounting request message and the accounting data request message are associated with each other and written to the online transaction information storage unit 209, and the accounting data request message is transmitted to the account ledger server 100 (step S13).

When the entry data request message is input, the account ledger control unit 101 determines the account number, the information indicating the entry processing, the financial institution identification number for identifying the financial institution to which the terminal belongs, and the terminal type from the entry data request message. The balance corresponding to the account number is read from the account ledger database 102 (step S14).
Then, the ledger control unit 101 adds the same transaction serial number as the entry data request message corresponding to the entry data response message to the entry data response message indicating that the entry process (balance data acquisition process) has ended. To the financial application server 200.

When the entry data answer message is input, the online message replacement unit 206 converts the entry data answer message into an entry answer message which is a message format to be transmitted to the mobile passbook entry device 300, and the transaction result management unit It outputs to 207 (step S15).
Next, when the transaction result management unit 207 detects that the electronic message is an accounting response message when the accounting response message is input, the transaction result management unit 207 does not manage the transaction result and sends the accounting response message to the accounting data assembly unit 208. Output (step S16), and the process proceeds to step S16.

Then, the bookkeeping data assembling unit 208 changes the deposit completion message into bookkeeping data in a format to be sent to the portable passbook bookkeeping apparatus 300, and sends it to the communication control unit 201 (step S17).
When the entry data is input, the communication control unit 201 transmits the input entry data to the mobile passbook entry device 300 (step S18) and corresponds to the time when the end signal is transmitted to the mobile passbook entry device 300. Then, the book data is written and recorded in the transaction / security log storage unit 211.

Next, when the book data is input, the mobile terminal 301 displays the book data as a processing result on the display screen and outputs the book data to the book printer 302 (step S19).
When the book data is input, the passbook printer 302 prints the date of deposit, balance, etc. in the bookkeeping area of the inserted passbook page, and makes a book entry on the passbook.
Then, the mobile terminal 301 displays a selection screen for selecting whether to log out from the processing of the financial application server 200 or to continue other processing, and determines whether or not the input selection result is logout. If it is logout, the process proceeds to step S21. If the process is continued, the process proceeds to step S5.
In the case of logout, the mobile terminal 301 logs out from the processing of the financial application server 200 (step S21).

In the processing of the above-described flowchart, when the communication between the financial application server 200 and the portable bankbook entry device 300 is in a poor reception state and is disconnected regardless of the normal sequence, the communication control unit 201 corresponds to the disconnected time. The transaction / security log storage unit 211 records the abnormal disconnection information indicating the abnormal disconnection and the terminal identification information of the mobile terminal 301 that is the communication destination.
Then, after the communication between the financial application server 200 and the mobile passbook entry device 300 is reconnected and the login to the processing of the financial application server 200 is completed, the communication control unit 201 corresponds to the terminal identification information of the connection destination. The transaction / security log storage unit 211 is searched for whether or not abnormal disconnection information is recorded corresponding to the terminal identification information immediately before logging in.

At this time, when the abnormal disconnection information is recorded corresponding to the terminal identification information of the logged-in mobile terminal 201, the communication control unit 201 performs the process that ended normally before the time when the abnormal disconnection information was written. Extraction is performed, and a confirmation message for confirming whether reprocessing is started from this processing or new processing is started is transmitted to the portable terminal 301.
When the confirmation message is input, the portable terminal 301 displays a selection display screen for reprocessing or new processing on the display unit.
Here, when the person in charge of external affairs selects a new process, the process of step S5 already described is started.

However, depending on the timing of abnormal disconnection, if the transaction / security log storage unit 211 detects that the account ledger control unit 101 has completed the deposit process to the account ledger database 102, the deposit process has been completed. The confirmation message is transmitted to the mobile terminal 301 with the information indicating that.
When the mobile terminal 301 inputs a confirmation message to which information indicating that the deposit process has been completed is input, the deposit process is terminated on the selection display screen for reprocessing or a new process on the display unit. Information indicating that Thereby, double payment by abnormal disconnection of communication can be prevented.

<Operation of account ledger server in withdrawal process>
A withdrawal request from a terminal such as an ATM 150, rather than a withdrawal process in which the account ledger server 100 is in a non-face-to-face state, that is, a bank account and a depositor face-to-face at a financial institution's window In response, the account ledger control unit 101 reads from the account ledger database 102 the amount deposited on the current day and the type of terminal deposited, corresponding to the account number of the depositor.
The ledger control unit 101 determines whether or not the withdrawal amount exceeds the difference obtained by subtracting the amount deposited from the mobile terminal (mobile deposit) from the total amount deposited on the same day, and the withdrawal amount indicates the difference. If it exceeds, the withdrawal is stopped, and the depositor is notified of the suspension. On the other hand, if the withdrawal amount is less than the difference, normal withdrawal processing is performed.

However, if the withdrawal amount is not a depositor's individual withdrawal, but a bona fide third party, such as withdrawing from public utility charges or any kind of purchase and sale, determine whether the withdrawal amount exceeds the difference. The normal withdrawal process is performed without doing this.
With the above-described processing, according to the present embodiment, with respect to the withdrawal processing, the person who performs withdrawal and the type of terminal that performed the withdrawal processing are distinguished, and the depositor's own withdrawal is limited. Therefore, it is possible to prevent unauthorized deposits and withdrawals by depositors and foreign affairs personnel.
In addition, according to the present embodiment, since the deposit process can be performed in real time, it is possible to prevent an unauthorized deposit process by a person in charge of external affairs and to cope with the withdrawal on the day even if it is a mobile deposit at each depositor's house. In addition, by requesting a person in charge of public relations who carries the portable passbook entry device, it is possible to perform a deposit process for the account ledger database 102 without leaving a bankruptcy while at home.

  In addition, the program for realizing the functions of the account ledger server, the financial application server, and the portable terminal in FIG. You may perform each process in each server and a portable terminal by performing. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, what is called a difference file (difference program) may be sufficient.

  The embodiment of the present invention has been described in detail with reference to the drawings. However, the specific configuration is not limited to this embodiment, and includes design and the like within a scope not departing from the gist of the present invention.

DESCRIPTION OF SYMBOLS 100 ... Account ledger server 101 ... Account ledger control part 102 ... Account ledger database 200 ... Financial application server 201 ... Communication control part 202 ... Authentication processing part 203 ... Transaction regulation check part 204 ... Online message assembly part 205 ... Message control part 206 ... Online message rewriting unit 207 ... transaction result management unit 208 ... book data assembling unit 209 ... online transaction information storage unit 210 ... user management information storage unit 211 ... transaction / security log storage unit 212 ... account authorization processing unit 300 ... mobile passbook entry device 301: Mobile terminal 302 ... Passbook printer

Claims (4)

Corresponding to the account number of the depositor, at least the deposit balance, deposit amount, withdrawal amount, date of deposit or withdrawal process, account ledger database storing the type of terminal that performed the deposit process, and the deposit When the withdrawal process is input from the person, the withdrawal amount requested in the withdrawal process and the withdrawal process read out from the account ledger database corresponding to the account number of the depositor is requested. A determination is made as to whether or not to perform the withdrawal processing of the withdrawal amount based on the amount deposited by the depositor on the day and the identification information of the terminal or window where the depositor has performed the deposit, and the financial institution In the case of withdrawal processing performed at the terminal of a financial institution without being faced with a bank employee at the counter of the bank, the amount requested in the withdrawal processing is requested by the withdrawal processing in the corresponding account. On the same day Manage the depositor's account, which consists of an account ledger control unit that stops the withdrawal process when the amount of money deposited exceeds the amount of money deposited on the same day from a preset type of terminal. A financial application server that is connected to an account ledger server to perform, and requests a deposit process input from a passbook entry device carried by a foreign inspector of a financial institution as a deposit process for the account of the corresponding depositor;
A communication control unit for controlling communication with the bankbook entry device;
An authentication processing unit that determines whether or not to allow login based on the identification information of the person in charge of external communication from the bankbook entry device;
A deposit restriction amount per day for each account is set in advance, and a transaction regulation check unit that detects whether the accumulated amount of the deposit amount from the terminal in each account exceeds the deposit limit amount for each day,
A transaction / security log storage unit in which a history of a process of performing a process requested by the passbook entry device is recorded;
Each of the communication control unit, the authentication processing unit, and the transaction regulation check unit records the result of each processing in the transaction / security log storage unit,
When the communication control unit is abnormally disconnected from the passbook entry device, the abnormal control information is recorded in the transaction / security log storage unit, indicating abnormal disconnect time and abnormal disconnect information. When communication with the passbook entry device is reconnected, the transaction / security log storage unit checks the presence / absence of abnormal disconnection information corresponding to the passbook entry device, and abnormal disconnection information is recorded. The transaction / security log storage unit refers to the process that ended normally before the time when the payment was written, and if it is detected that the payment process has ended, information indicating that the payment process has ended is displayed. A financial application server for transmitting to the bankbook entry device. Account ledger server for managing depositor's account, portable passbook entry device carried by a foreign affairs officer of a financial institution, and a financial application for requesting deposit processing of the depositor input from the portable passbook entry device A mobile passbook system consisting of a server,
The account ledger server is
Corresponding to the account number of the depositor, at least the balance of deposit, deposit amount, withdrawal amount, date of deposit or withdrawal process, account ledger database storing the type of terminal that performed the deposit process,
When a withdrawal process is input from the depositor, the withdrawal amount requested in the withdrawal process,
The amount deposited by the depositor on the date when the withdrawal process read out from the account ledger database corresponding to the account number of the depositor is requested, and the terminal or the window where the depositor processed the deposit Based on the identification information, it is determined whether or not to perform the withdrawal process of the withdrawal amount, and the withdrawal process performed at the terminal of the financial institution is not performed at the financial institution's window without facing the bank employee. The amount requested in the withdrawal process is deposited on the same day from a terminal of a preset type from the amount deposited on the same day as the date on which the withdrawal process is requested in the corresponding account. And the ledger control unit that stops the withdrawal process when the amount exceeds the amount obtained by subtracting
A communication control unit that controls communication between the financial application server and the bankbook entry device;
An authentication processing unit for determining whether or not to allow login from the portable passbook entry device;
A deposit restriction amount per day for each account is set in advance, and a transaction regulation check unit that detects whether the accumulated amount of the deposit amount from the terminal in each account exceeds the deposit limit amount for each day,
A transaction / security log storage unit in which a history of a process of performing a process requested by the passbook entry device is recorded;
Each of the communication control unit, the authentication processing unit, and the transaction regulation check unit records the result of each processing in the transaction / security log storage unit,
When the communication control unit is abnormally disconnected from the passbook entry device, the abnormal control information is recorded in the transaction / security log storage unit, indicating abnormal disconnect time and abnormal disconnect information. When communication with the passbook entry device is reconnected, the transaction / security log storage unit checks the presence / absence of abnormal disconnection information corresponding to the passbook entry device, and abnormal disconnection information is recorded. The transaction / security log storage unit refers to the process that ended normally before the time when the payment was written, and if it is detected that the payment process has ended, information indicating that the payment process has ended is displayed. And transmitting to the passbook bookkeeping apparatus. Account ledger server for managing depositor's account, portable passbook entry device carried by a foreign affairs officer of a financial institution, and a financial application for requesting deposit processing of the depositor input from the portable passbook entry device It is a deposit processing method in a financial system composed of servers,
In the account ledger server,
The date when the account ledger control unit performed at least the deposit balance, deposit amount, withdrawal amount, deposit or withdrawal processing corresponding to the depositor's account number for the deposit processing from the mobile passbook entry device , Storing the type of terminal that has made the deposit process in the account ledger database,
When the withdrawal process is input from the depositor, the account ledger control unit reads the withdrawal amount requested in the withdrawal process and the account number of the depositor from the account ledger database. Whether the withdrawal amount is to be withdrawn based on the amount deposited by the depositor on the date when the withdrawal processing is requested and the identification information of the terminal or the window where the depositor has performed the withdrawal process. In the case of a withdrawal process performed at a financial institution terminal instead of meeting with a bank employee at the financial institution's window, the amount requested in the withdrawal process corresponds If the amount exceeds the amount deposited on the same day from the terminal of a preset type from the amount deposited on the same day as the date on which the withdrawal processing is requested in the account, the withdrawal processing is stopped. Process and financial application In the server
A process in which a communication control unit controls communication with the bankbook entry device;
A process of determining whether or not the authentication processing unit permits login from the portable bankbook entry device;
A process in which the transaction restriction check unit detects whether or not a deposit limit amount per day for each account is set in advance, and whether or not the accumulated amount of deposit amounts from the terminal in each account exceeds the deposit limit amount for each day. When,
Each of the communication control unit, the authentication processing unit, and the transaction regulation check unit records a result of each processing in a transaction / security log storage unit,
When the communication control unit is abnormally disconnected from the passbook entry device, the abnormal control information is recorded in the transaction / security log storage unit, indicating abnormal disconnect time and abnormal disconnect information. When communication with the passbook entry device is reconnected, the transaction / security log storage unit checks the presence / absence of abnormal disconnection information corresponding to the passbook entry device, and abnormal disconnection information is recorded. The transaction / security log storage unit refers to the process that ended normally before the time when the payment was written, and if it is detected that the payment process has ended, information indicating that the payment process has ended is displayed. And a process of transmitting to the bankbook entry device.   A computer-executable financial application program for causing a computer to execute the operation of the financial application server according to claim 3.

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