JP2019175042A - Transaction processing system, transaction processing device and program - Google Patents

Abstract

To provide a transaction processing system, a transaction processing device and a program for enabling a transferring person to know that a recipient recognizes transferred money.SOLUTION: A transaction processing system executes transfer processing on conditions that a recipient of a transfer transaction is made to recognize a transfer request from a transferring person and that a notification showing that the recipient recognizes the transfer request is transmitted to a communication terminal owned by the transferring person.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction processing system, a transaction processing apparatus, and a program for executing processing related to transfer in a financial institution.

2. Description of the Related Art Conventionally, financial institutions provide online transaction services such as Internet banking that allow transactions from customers' terminals via the Internet. Customers who are account holders who have an account at a financial institution can use this internet banking to perform transfer procedures without going to a designated place such as a financial institution. As for transaction services of financial institutions, it is well known to use various transaction services such as bank transfer procedures via ATM and window terminals in addition to Internet banking. As one of the transfer procedure services, there is a technique for notifying a recipient who receives a transfer that there has been a transfer from a transfer person (Patent Document 1).

JP 2007-219746 A

  From the description in Patent Document 1, a technique for notifying the payee that there has been a transfer from the transfer person is known. On the other hand, it is assumed that it is desired to notify the transfer person that the recipient has recognized the transfer. For example, if a parent transfers money to a child when transferring money to a family living in a remote location, the recipient (child) knows that the transfer has been made. You may want to check if you are. For example, if a child remembers the balance of his / her account, it is more likely that he / she will notice if there is a new transfer, but if the child does not remember the balance of his / her account, the new balance will increase. It seems that you will not notice that there was a transfer. If the child does not realize that a new transfer has been made by the parent, the child will not be able to grasp that the newly paid money is included in the balance of his / her account and will need it later without being aware of it. There is a possibility of using up the cost of living. In order for a parent to confirm whether or not the child has recognized a new transfer, the parent must contact the child by phone or email, or unless the child has contacted the parent himself / herself, I couldn't know. And when you contact your child by phone or email, it is likely that you will not be able to get in touch with the child immediately, and you will use the living expenses that the child has transferred while you are unable to contact you. I am worried that I may be contacted many times until I can contact my child, which is very inefficient. Accordingly, a mechanism is desired that enables the transfer person to efficiently know that the recipient has recognized the fact of the transfer.

Accordingly, the present invention has been made in view of the above problems, and an object of the present invention is to provide a transaction processing apparatus that performs a transfer process according to transfer request information, a first communication terminal, and a second communication. A transaction processing system comprising a terminal, wherein the transfer request information includes transfer amount information, transfer source account information, and transfer destination account information, and the transaction processing device receives the transfer request information A first receiving unit that receives the transfer request information received by the first receiving unit, generates a transfer occurrence notification indicating that a transfer request has occurred, and the first generating unit. A first transmission unit that transmits the transfer occurrence notification generated by the first communication terminal, wherein the first communication terminal receives the transfer occurrence notification from the first transmission unit. And the transfer occurrence received by the second receiver. A display unit for displaying the notification, a second generation unit for generating a recognition notification indicating that the transfer generation notification displayed on the display unit has been recognized, and the recognition notification generated by the second generation unit. A second transmission unit that transmits to the first reception unit, and the transaction processing device further receives the recognition notification at the first reception unit, and receives the first notification from the first transmission unit. A transaction processing system is provided that includes a transfer processing unit that executes a transfer process with reference to the transfer request information on condition that the recognition notification is transmitted to the second communication terminal.

According to another aspect of the present invention, there is provided a transaction processing system including a transaction processing device that performs a transfer process according to transfer request information, a first communication terminal, and a second communication terminal, wherein the transfer The request information includes transfer amount information, transfer source account information, and transfer destination account information. The transaction processing device includes a first receiving unit that receives the transfer request information, and the first receiving unit. A first generation unit that receives the received transfer request information and generates a transfer occurrence notification indicating that a transfer request has occurred, and transmits the transfer occurrence notification generated by the first generation unit to the first communication terminal The first communication unit, wherein the first communication terminal receives the transfer notification from the first transmission unit, and the transfer received by the second reception unit. A display unit for displaying an occurrence notification and the transfer displayed on the display unit A second generation unit that generates a recognition notification indicating that the raw notification is recognized; and the recognition notification generated by the second generation unit is transmitted to the second communication terminal, and the recognition notification is transmitted to the second communication terminal. A second transmission unit that transmits to the transaction processing device transmission completion information indicating that the transmission completion information has been transmitted to the second communication terminal, and the transaction processing device receives the transmission completion information at the first reception unit. When received, a transaction processing system including a transfer processing unit that executes a transfer process is provided.

According to another aspect of the present invention, the transaction processing device performs a transfer process according to the transfer request information, and the transfer request information includes transfer amount information, transfer source account information, and transfer destination account information. A receiving unit that receives the transfer request information, a generating unit that receives the transfer request information received by the receiving unit and generates a transfer occurrence notification indicating that a transfer request has occurred, and a transfer generated by the generating unit A transmission unit that transmits an occurrence notification to another communication terminal; and a reception notification that indicates that the generation of the transfer request has been recognized from the other communication terminal at the reception unit; and There is provided a transaction processing device including a transfer processing unit that executes a transfer process with reference to the transfer request information on condition that the recognition notification is transmitted to a communication terminal different from the communication terminal.

Further, according to another aspect of the present invention, a computer as a transaction processing apparatus that performs a transfer process according to transfer request information, the transfer request information includes transfer amount information, transfer source account information, and transfer destination account information. A reception unit that receives the transfer request information, a generation unit that receives the transfer request information received by the reception unit and generates a transfer occurrence notification indicating that a transfer request has occurred, and the generation unit A transmission unit that transmits a transfer occurrence notification to another communication terminal, a reception of a recognition notification indicating that the generation of the transfer request has been recognized from the other communication terminal in the reception unit, and the transmission unit Transaction processing for functioning as a transaction processing device comprising: a transfer processing unit that executes transfer processing with reference to the transfer request information on condition that the recognition notification is transmitted to a communication terminal different from other communication terminals Program is provided.

As described above, according to the present invention, when a transfer is generated with respect to a transfer transaction, the transaction processing apparatus notifies the communication terminal possessed by the transfer transaction receiver that the transfer request has been made, thereby receiving the recipient. Can easily recognize the fact of the transfer, and the transaction processing device or the communication terminal possessed by the recipient notifies the communication terminal possessed by the transfer recipient that the recipient has recognized the transfer request. By adopting a mechanism that allows the payee to receive the transfer money from the transfer person as a condition, the transfer person can efficiently know that the payee has recognized the fact of the transfer.

It is a figure showing the schematic structure of transaction processing system 1 concerning the present invention. It is a functional block diagram which shows the structure of the communication terminal which concerns on the 1st Embodiment of this invention. It is a functional block diagram which shows the structure of the host computer which concerns on the 1st Embodiment of this invention. It is a figure which shows the example of information stored in customer information DB which concerns on this invention. It is a conceptual diagram which shows the example of information stored in the transfer money storage account which concerns on this invention. It is a figure which shows the example of the processing flow 1 of the transaction processing system 1 which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the transition screen of the operation display part when the transfer person who concerns on the 1st Embodiment of this invention performs transfer operation. It is a figure which shows an example of the transition screen of the operation display part when the recipient based on the 1st Embodiment of this invention receives transfer generation notification. It is a figure which shows the example of the processing flow 2 of the transaction processing system 1 which concerns on the 1st Embodiment of this invention. It is a functional block diagram which shows the structure of the communication terminal which concerns on the 2nd Embodiment of this invention. It is a functional block diagram which shows the structure of the host computer which concerns on the 2nd Embodiment of this invention.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

[1. First Embodiment]
FIG. 1 is a schematic diagram showing a configuration of a transaction processing system 1 according to the first embodiment. The transaction processing system 1 shown in FIG. 1 is a bank system, and provides services related to various transactions related to money, such as balance inquiry, deposit, withdrawal, transfer and transfer, to customers who open an account in the bank. is there. In the following description, it is assumed that the bank is a bank, but the same transaction processing system can be applied even to a financial institution other than a bank.

[1.1. Configuration example of transaction processing system 1]
<Configuration of each device>
As shown in FIG. 1, the transaction processing system 1 includes an Internet banking server 10, a communication terminal 20, an ATM 30, a window terminal 40, a host computer 50, and a network 60. The internet banking server 10, ATM 30, and window terminal 40 are connected to the host computer 50 via a communication line such as a LAN. The above “ATM” is an abbreviation of “Automatic Teller Machine”.

  Internet banking server 10 and ATM 30 are unmanned channels used by customers. The internet banking server 10 operates a terminal such as a communication terminal 20 described later and is connected (accessed) via the network 60 to perform transactions such as identity authentication, balance inquiry, and transfer and various services. It is a server device provided to the communication terminal 20.

The communication terminal 20 is a terminal device used by a customer who has opened an account with a bank. Examples of the communication terminal 20 include a mobile communication terminal such as a smartphone, a cellular phone, a PHS (Personal Handyphone System), and a PDA (Personal Digital Assistant). In addition to such mobile communication terminals, fixed terminals such as personal computers, tablet terminals, slate terminals, and the like can also be employed. As described above, a customer who uses the communication terminal 20 is provided with a service related to Internet banking through a browser or the like operating on the terminal. The detailed configuration of the communication terminal 20 will be described later.

The ATM 30 is installed at a financial institution or the like, and is operated by a customer to perform transactions. Specifically, the ATM 30 is a device that executes transactions such as deposit, withdrawal, transfer, and balance inquiry using a bankbook or cash card. This ATM 30 is also called an automatic teller machine. The ATM 30 is equipped with a cash processing machine (not shown), and the money inserted from the money insertion slot is counted and stored in a predetermined storage unit at the time of transfer, or stored in the storage unit at the time of withdrawal. It has the function of paying out money to the money outlet after counting.

  The window terminal 40 is a manned channel (apparatus) in which a bank employee at a sales office of a financial institution corresponds to a customer. This window terminal 40 is a terminal device used by a so-called teller who is in charge of a customer who has received a customer's transaction request at a window provided in a sales office. The teller terminal 40 is connected to a teller cash processing machine (not shown), and stores and manages the amount of money or the number of denominations stored in the storage unit of the cash handling machine, It has a function to deposit and withdraw money according to the amount of money received or withdrawn.

  The host computer 50 is a processing device that performs transaction processing based on information on transaction requests received from each channel. The detailed configuration of the host computer 50 will be described later.

  The network 60 may be any type of communication network such as the Internet, whether wired or wireless. The communication terminal 20, the internet banking server 10, and the host computer 50 are communicably connected via any kind of communication network such as the Internet.

  The above is the outline of the configuration of the transaction processing system 1 according to the first embodiment. As an example according to the first embodiment, a transaction of transfer using a channel such as the above-described service related to Internet banking, ATM, or a window terminal is assumed. Therefore, the customer has a transfer person (transfer source) who performs transfer using the channel and a recipient (transfer destination) who receives the transfer.

[1.2. Configuration example of communication terminal 20]
<Configuration of communication terminal 20>
It is assumed that the transfer person and the recipient each have a communication terminal 20. The communication terminal possessed by the transfer person is referred to as the communication terminal 20a, and the communication terminal possessed by the recipient is referred to as the communication terminal 20b. A detailed configuration of the communication terminal 20 will be described with reference to FIG. FIG. 2 is a functional block diagram showing the configuration of the communication terminal 20. As illustrated in FIG. 2, the communication terminal 20 includes a control unit 210, a communication unit 220, an operation display unit 230, a storage unit 240, and a passbook application 250.

The control unit 210 generally controls the operation of the communication terminal 20 using hardware such as a CPU (Central Processing Unit) and a RAM (Random Access Memory) built in the communication terminal 20.

  The communication unit 220 transmits and receives information to and from other devices via the network 60, for example. For example, in the case of the present embodiment, the communication unit 220 transmits the transfer request information generated according to the control information of the control unit 210 to the Internet banking server 10. The transmitted transfer request information is transferred from the Internet banking server 10 to the host computer 50.

  The operation display unit 230 is configured by, for example, a touch panel type display. The operation display unit 230 displays various display images such as a transfer transaction input screen according to the control information of the control unit 210. In addition, the operation display unit 230 receives various inputs from the customer, such as selection of a selection button displayed on the display screen.

  The storage unit 240 has a function of temporarily or permanently storing various data such as data related to processing of the control unit 210 and operation program files of the control unit 210. Further, for example, various software such as the passbook application 250, display image data, and other various data are stored. The storage unit 240 stores authentication information such as a login ID and a password necessary for starting the passbook application 250. Further, the storage unit 240 may store a mail format of a recognition notification described later.

  As illustrated in FIG. 2, the passbook application 250 includes an application authentication unit 251, an operation recognition unit 252, a recognition notification generation unit 253, and a recognition notification instruction unit 254. The bankbook application 250 is a bankbook application for managing account information including account balances of customers in financial institutions, transaction history, and various transactions of Internet banking, and is installed in each communication terminal 20.

<Details of Configuration of Communication Terminal 20>
Next, among the configurations of the communication terminal 20 described above, details of each configuration of the communication unit 220, the passbook application 250, the application authentication unit 251, the operation recognition unit 252, the recognition notification generation unit 253, and the recognition notification instruction unit 254 will be described. To do.

  The communication unit 220 performs transmission / reception of information such as mail and a call with another device via the network 60 or the like. In addition, the communication unit 220 transmits transfer request information to the host computer 50. In addition, the communication unit 220 receives a transfer occurrence notification indicating that a transfer request has occurred from the transfer person sent from the host computer 50 to the recipient, and generates the transfer account application 250 based on the received transfer occurrence notification information. For example, sending the recognition notification. For example, the communication unit 220 receives a transfer occurrence notification from the host computer 50 by the communication terminal 20b, and a recognition notification generated when the recipient performs a predetermined operation on the transfer occurrence notification displayed on the operation display unit 230. Is transmitted to the communication terminal 20 a via the host computer 50 based on the notification instruction of the recognition notification instruction unit 254. Alternatively, the communication unit 220 transmits a part of the direct recognition notification from the communication terminal 20 b to the communication terminal 20 a without using the host computer 50 based on the notification instruction of the recognition notification instruction unit 254.

  Based on the customer input to the bankbook application 250, the bankbook application 250 can request the Internet banking server 10 to execute a transaction using a customer account such as a transfer transaction without using a browser. Further, the passbook application 250 can acquire the transaction history of the customer's account from the Internet banking server 10 based on the customer input, and can store the acquired transaction history in the application.

When the passbook application 250 is activated by the control unit 210, the application authentication unit 251 authenticates the login ID and password authentication information input by the customer using a predetermined authentication method.

  When a tap operation is performed on the display screen of the operation display unit 230, the operation recognition unit 252 recognizes and accepts the tap operation, and information based on the tap operation is passed to the control unit 210. The control unit 210 activates various functions of the bankbook application 250, for example, according to information based on the tap operation.

  The recognition notification generation unit 253 generates a recognition notification to notify the recipient that the transfer has been recognized by the recipient. The recognition notification includes transfer recognition information indicating that transfer has been recognized by operation of the communication terminal 20b, and transfer completion request information for requesting the host computer 50 to complete the transfer. The transfer completion request information includes transmission completion information indicating that the transfer recognition information has been transmitted to the communication terminal 20a.

  The recognition notification instruction unit 254 instructs the communication unit 220 to transmit the recognition notification generated by the recognition notification generation unit 253. Note that the notification execution instruction has two patterns. The transfer recognition information included in the recognition notification is transmitted to the communication terminal 20a, the transfer completion request information is transmitted to the host computer 50, and the recognition notification is transmitted only to the host computer 50. There is a pattern to send to. In this embodiment, the former pattern will be described as being performed.

[1.3. Configuration example of host computer 50]
<Configuration of host computer 50>
Next, a configuration example of the host computer 50 will be described. A detailed configuration of the host computer 50 will be described with reference to FIG. FIG. 3 is a functional block diagram showing the configuration of the host computer 50. As illustrated in FIG. 3, the host computer 50 includes a control unit 510, a communication unit 520, a customer information inquiry unit 530, a transaction processing unit 540, a transfer occurrence notification generation unit 550, and a storage unit 560. It is assumed that the information on the customer information DB 70 and the deposit account 80 shown in FIG. 1 is stored in the storage unit 560.

The control unit 510 generally controls the operation of the host computer 50 using hardware such as a CPU and RAM built in the host computer 50.

The communication unit 520 transmits and receives information to and from other devices via the network 60, for example.

The customer information inquiry unit 530 refers to a customer information DB 70 to be described later, and compares it with the received transaction request information. In the case of the present embodiment, the received transfer request information is compared with information stored in the customer information DB 70, and it is confirmed whether or not the transfer with the specified amount can be executed.

Transaction processing unit 540 performs transaction processing based on the received transaction request information. In the case of the present embodiment, the transfer process is performed based on the received transfer request information and the information of the recognition notification received from the recipient.

When the received transaction request information is a transfer request, the transfer occurrence notification generation unit 550 generates a transfer occurrence notification indicating that a transfer request has occurred based on the received transfer request information. The transfer occurrence notification includes information that can specify the details of the transfer, such as the transfer person's information, amount, and transaction number.

The storage unit 560 has a function of temporarily or permanently storing various data such as data related to processing of the control unit 510 and operation program files of the control unit 510. Further, the storage unit 560 stores information on the customer information DB 70 and the deposit account 80. Further, the storage unit 560 may store a mail format of a transfer recognition notification that notifies the transfer person that the transfer has been recognized.

The customer information DB 70 includes customer information such as account number, financial institution code, branch number, customer name, personal identification number, account balance, telephone number, e-mail address, login ID and password of the Internet banking service and passbook application 250 for each customer. Stored. In the customer information DB 70, information such as the balance of the customer is updated by the control unit 510 based on transactions requested from the Internet banking server 10, the ATM 30, and the window terminal 40. FIG. 4 is a diagram showing an example of information stored in the customer information DB 70 according to the present invention. FIGS. 4 (1), 4 (2), and 4 (3) are diagrams showing the customer information DB 70, and show transition states of the customer information DB 70 that are updated in a transfer process described later. For example, FIG. 4 (1) is an example of information stored in the customer information DB 70 before transfer, and FIGS. 4 (2) and 4 (3) are examples of the customer information DB 70 updated when a transfer request is made. . 4 (2) shows the update information in the customer information DB 70 before the transfer process is completed, and FIG. 4 (3) shows the update information in the customer information DB 70 after the transfer process is completed. In addition, some information of customer information DB70 may be stored in the storage medium mounted in the above-mentioned internet banking server 10, ATM30, and the customer terminal 40. FIG. For example, the internet banking server 10 may store information necessary for customer authentication such as a login ID and a password in a storage medium in advance.

The transfer money storage account 80 temporarily stores the transfer money transferred from the account of the transfer person by the transaction processing unit 540. The transfer money storage account 80 is managed based on the control information by the host computer 50 using the transfer transaction information related to the account for each customer as the fund transfer information. FIG. 5 is a conceptual diagram showing an example of information stored in the deposit account 80 according to the present invention. FIG. 5 shows information relating to a transaction number, recipient information, money transfer information, and money transferer information that uniquely identifies a money transfer transaction that is stored when a money transfer request is made.

<Details of configuration of host computer 50>
Next, details of operations of the communication unit 520, the customer information inquiry unit 530, the transaction processing unit 540, and the transfer occurrence notification generation unit 550 in the configuration of the host computer 50 described above will be described.

The communication unit 520 receives transfer request information for performing a transfer transaction from the transfer person to the payee. For example, the communication unit 520 transfers the account number information of the transfer person, the transfer name information, the transfer account number information, the transfer name information, and the transfer information via the Internet banking server 10 from the communication terminal 20a possessed by the transfer person. Transfer request information including etc. is received. In addition, for the transfer transaction via the ATM 30 and the window terminal 40, the communication unit 520 similarly receives the transfer request information from each channel.

  Further, the communication unit 520 transmits the transfer occurrence notification generated by the transfer occurrence notification generation unit 550 described later to the recipient's communication terminal 20b. Furthermore, the communication unit 520 receives a recognition notification from the communication terminal 20b possessed by the recipient. Further, the communication unit 520 performs transmission / reception of information such as mail and a call with another apparatus via the network 60, for example.

  The customer information inquiry unit 530, for example, when the transfer destination account number information and the transfer destination name information included in the received transfer request information are different from the information stored in the customer information DB 70, or the transfer amount is the account balance of the transfer person When it is insufficient when compared with the information, the information indicating the transfer error is transmitted to the channel where the transfer person performs the transfer operation via the communication unit 520. As a result of the inquiry, when the transfer account number information and the transfer name information are stored in the customer information DB 70 and match the information, and the transfer amount is within the account balance of the transfer person, the customer information inquiry unit 530 sends the transaction processing unit 540 to the transaction processing unit 540. Transfer the transfer request information.

  The transaction processing unit 540 performs the transfer process based on the transfer request information received from the transfer person and the information of the recognition notification received from the payee. The transaction processing unit 540 performs a transfer money transfer process in which the transfer money is transferred from the transfer person's account to the transfer money storage account 80 based on the transfer request information transmitted from the transfer person. The transferred money is deferred to the payee's account until a notification to be described later is made, and the payee cannot immediately withdraw it.

Moreover, the transaction processing unit 540 performs a transfer process based on the transfer completion request information included in the recognition notification received from the recipient. When the transaction processing unit 540 receives the recognition notification via the communication unit 520, the transaction processing unit 540 performs a transfer completion process for transferring the transfer money from the transfer money storage account 80 to the payee's account. The transaction processing unit 540 updates the information stored in the customer information DB 70 and the deposit storage account 80 at the same time as performing the transfer process.

The transfer occurrence notification generation unit 550 generates a transfer occurrence notification including communication destination information of the communication terminal 20a necessary for transmitting a recognition notification from the communication terminal 20b to the communication terminal 20a. For this purpose, the transfer generation notification generation unit 550 refers to the customer information DB 70 based on the transfer person information (transfer account information, transfer name information) included in the transfer request information, and the transfer person's communication destination (phone number). Or email address) information. Further, the transfer occurrence notification generation unit 550 specifies the recipient's communication destination (for example, an e-mail address), and transmits the generated transfer occurrence notification to the communication terminal 20b via the communication unit 520. The transfer occurrence notification includes a transfer occurrence notification message. The transfer occurrence notification message is a message notifying that there has been a transfer from the transfer person to the recipient and that it is necessary to notify the transfer person in order to complete the transfer. Information on the transfer occurrence notification transmitted to the recipient's communication terminal 20b is stored in the customer information DB.

  The above is the detailed configuration of the communication terminal 20 and the host computer 50 of the transaction processing system 1 according to the first embodiment.

[1.4.1. Example of transaction processing system 1 operation]
Next, as an operation example of the transaction processing system 1 according to the first embodiment, a transfer transaction using the above-described Internet banking channel will be described in detail with reference to FIG. FIG. 6 is a diagram illustrating an example of a processing flow of main operations of the transaction processing system 1. As an example of the operation of the transaction processing system 1, a case will be described in which the transfer person makes a transfer to the payee using the passbook application 250 of the communication terminal 20a owned by the transfer person. Further, regarding the transfer person and the payee, “Taro Oki” shown in FIG. 4A will be described as the transfer person, and “Hanako OKI” will be described as the payee.

  First, transfer request information is generated by an operation on the transfer person's communication terminal 20a (STEP 100). Specifically, the transfer person selects the transfer menu from the menu image 233 displayed on the operation display unit 230 of the communication terminal 20a after logging in to the application, and the transfer destination in the displayed transfer transaction input image 234 is displayed. Information necessary for the transfer is input to the account number input item, transfer destination name input item, transfer money input item, and notification receipt selection item 235.

  Details of STEP 100 will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of a transition screen of the operation display unit 230 when the transfer person performs a transfer operation. First, the transfer person touches the icon 231 of the bankbook application 250 displayed on the operation display unit 230 (a-1). When the icon 231 is touched, the operation recognition unit 252 accepts the touch operation, and the passbook application 250 is activated by the control information of the control unit 210 according to the accepted icon touch operation, as shown in (a-2). A personal authentication image 232 is displayed.

When the transfer person inputs the login ID and password via the operation display unit 230, the application authentication unit 251 refers to the authentication information in the storage unit 240, and determines the validity of the login. When the validity of the customer login is confirmed by the application authentication unit 251, a menu image 233 of various transactions as shown in (a-3) is displayed on the operation display unit 230. In the menu image 233, the account number and account balance of the transfer person, a passbook menu and a transfer menu are displayed. Specifically, the application authentication unit 251 refers to authentication information stored in the storage unit 240 to determine the validity of the customer login.

Here, it is assumed that the displayed account balance information and the like are acquired when the bankbook application 250 is activated. Specifically, the passbook application 250 accesses the Internet banking URL stored in advance, and automatically logs in using the Internet banking ID and password information of the recipient stored in advance, and stores account balance information and the like. get.

When the transfer person selects the transfer menu from the menu, the transfer transaction input image 234 is displayed on the operation display unit 230 (a-4). In the transfer transaction input image 234, in addition to the input item of the transfer destination account number, the input item of the name of the transfer destination, and the input item of the transfer money, a notification receipt selection for selecting a notification means for receiving the recognition notification is selected. There is an item 235. The transfer person selects transfer information (transfer account number, transfer name, transfer money) by tap operation, and notification receipt information which is a method of receiving a notification from the recipient by selecting a notification reception selection item 235 ( a-5). Here, it is assumed that the transfer account number “8910111”, the transfer name “Hanako Okino”, the transfer amount “50000 yen”, and the notification receipt selection item “mail” are input. Although not shown in the figure, in addition to the bank account number for transfer, information necessary for normal transfer such as a financial institution or branch office of the transfer destination is also input. Further, the name of the payee is not input by the transfer person, but the name of the payee acquired based on the account information may be automatically displayed. In this embodiment, it is assumed that the account of the transfer person and the payee are the same financial institution.

When the transfer person finishes input for all items, a transfer content confirmation image 236 as shown in (a-6) is displayed. When the transfer person touches the execution button 237 of the transfer content confirmation image 236, the process returns to FIG. 6 and the transfer request information is transmitted to the host computer 50 via the Internet banking server 10 (STEP 110).

As for STEP 110, when the transfer request information is transmitted to the host computer 50 via the Internet banking server 10, a transfer completion image as shown in FIG. 7 (a-7) after or simultaneously with the transfer request information transmission. 238 is displayed. Here, the transfer request information includes the transfer account number information, transfer name information, transfer account number information, transfer name information, transfer information, and notification receipt information.

  Returning to FIG. 6, the host computer 50 receives the transfer request information via the Internet banking server 10 (STEP 120). The customer information inquiry unit 530 refers to the customer information DB 70 for the received transfer request information and inquires for information included in the transfer request information (STEP 130). Here, when the account number of the transfer destination included in the transfer request information does not match, or when the account balance of the transfer person is insufficient with respect to the transfer money, the customer information inquiry unit 530 displays the transfer terminal of the transfer person. Error information is transmitted to 20a. On the other hand, when the transfer request information matches the information stored in the customer information DB 70 and the transfer money is within the account balance of the transfer person, the customer information inquiry unit 530 transfers the transfer request information to the transaction processing unit 540.

In this embodiment, the customer information inquiry unit 530 matches the information stored in the customer information DB 70 with respect to the bank account number “8910111” and the bank account name “Oka Hanako” included in the bank transfer request information. It is determined whether the amount of money “50000 yen” is within the account balance of the transfer person “Taro Oki”. As shown in FIG. 4 (1) showing the customer information DB 70, the transfer account number and the transfer account name match, and the transfer amount is within the account balance of the transfer person “Okitaro”. Therefore, the customer information inquiry unit 530 transfers the transfer request information to the transaction processing unit 540.

  Next, the transaction processing unit 540 performs a transfer process based on the transferred transfer request information (STEP 140). Specifically, the transaction processing unit 540 moves the transfer amount from the transfer person's account to the transfer money storage account 80. And the transaction processing part 540 updates customer information DB70 simultaneously with performing a transfer process. In the present embodiment, the transaction processing unit 540 moves the transfer amount “50000 yen” from the account of the transfer person “Okitaro” to the transfer money storage account 80. Therefore, as shown in FIG. The account balance of “Okitaro” is updated from 100000 yen to 50000 yen, and the transaction number, recipient information, transfer amount information “50000 yen”, and transferee information are stored in the deposit account 80. At this time, the transaction processing unit 540 links transferee information such as transfer amount information “50000 yen” stored in the transfer deposit storage account 80 as an amount to be transferred to the payee's account. As a result, when the payee activates the passbook application 250 of the communication terminal 20b owned by the recipient and opens the passbook menu, a passbook image indicating that there is an unpaid transfer can be displayed.

  Next, a transfer occurrence notification is generated from the transfer request information received by the transfer occurrence notification generation unit 550 (STEP 150). Specifically, referring to the customer information DB 70, based on the information of the transfer person in the transfer request information (account number information of the transfer person, information on the name of the transfer person) and the notification receiving information, the telephone number of the transfer person or the mail address Get communication destination information. In the case of the present embodiment, based on the name and account number information of the transfer person “Taro Oki” and the notification receipt information “mail” input by the transfer person, the mail address “oki123@aaa.jp” of the transfer person “Oki Taro”. Is obtained. When the notice receiving information input by the transfer person is “telephone”, the telephone number “090-5555-XXXX” of the transfer person “Taro Oki” is acquired. Then, the transfer occurrence notification generation unit 550 specifies the notification destination “hanako456@aaa.jp” of the recipient “Oka Hanako” from the transfer request information, and sends the generated transfer occurrence notification via the communication unit 520 to the recipient “Oka Hanako”. To the communication terminal 20b (STEP 160). The transfer occurrence notification includes information on the transfer occurrence notification message and communication destination information corresponding to the receiving method designated by the transfer person (here, the mail address “oki123@aaa.jp” of the transfer person “Okitaro”).

  Next, the recipient's communication terminal 20b receives the transfer occurrence notification generated by the host computer 50 (STEP 170). When the control unit 210 receives the transfer occurrence notification and detects that it is a transfer occurrence notification from the e-mail title or the like, a message to that effect is displayed on the operation display unit 230. to start. After the activation, a transfer occurrence notification message included in the transfer occurrence notification is displayed on the communication terminal 20b (STEP 180). When the recipient selects an execution button for executing a notification to the transfer person displayed in the transfer occurrence notification message, a recognition notification is generated based on the information on the transfer occurrence notification (STEP 190).

  Details of STEP 170, STEP 180, and STEP 190 will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a transition screen of the operation display unit 230 when the recipient receives a transfer occurrence notification from the host computer 50. When the communication terminal 20b receives a transfer occurrence notification from the host computer 50 via the communication unit 220, information 239 indicating that the transfer occurrence notification has been received from the title of the mail or the like is displayed on the icon 231 (b-1). Thereafter, when the recipient touches the icon 231, the operation recognition unit 252 accepts the touch operation, the passbook application 250 is activated by the control information of the control unit 210, and the personal authentication image 232 is displayed on the operation display unit 230 ( b-2).

When the recipient inputs the login ID and password via the operation display unit 230, the authentication information in the storage unit 240 is referred to by the application authentication unit 251 to determine the validity of the login. When it is determined to be valid, a transfer occurrence notification message 241 included in the received transfer occurrence notification is displayed on the operation display unit 230 (b-3). Further, the transfer occurrence notification message includes a button 242 for executing a notification to the transfer person and a button 243 for performing a notification to the transfer person later and opening a menu image 233 of a transaction of the ordinary passbook application 250. .

When the recipient selects the notification execution button 242 to the transfer person in the message 241 in the transfer occurrence notification, the recipient performs the notification input operation after referring to the transfer occurrence notice. The notification generation unit 253 generates a recognition notification that the recipient has recognized the transfer. In the case of the present embodiment, the mail address “oki123@aaa.jp” of the transfer person “Taro Oki” is set as the destination of the mail format stored in the storage unit 240, “Transfer Recognition Notice” as the title, and “ The recipient will receive a notification email with a message such as Hanako Okiko, who has recognized the transfer, and the transfer will be completed.

Returning to FIG. 6, the generated notification notification mail is transmitted to the communication terminal 20 a possessed by the transfer person “Taro Oki” (STEP 200). Here, the transfer recognition notification sent to the transfer person is transfer recognition information indicating that the transfer has been recognized. When a transfer recognition notification mail to the transfer person is transmitted, a transfer recognition notification including transfer completion request information for requesting transfer completion is transmitted to the host computer 50.

In this way, the transfer recognition information is transmitted directly to the transfer person's terminal 20a by the recognition notification instruction unit 254 in a method designated by the transfer person, and the transfer completion request information is transmitted to the host computer 50 by the recognition notification instruction unit 254. The transfer recognition notification transmitted to the host computer 50 includes a transaction number for specifying a transfer transaction.

When the mail transmission is executed, a transmission completion image 246 as shown in FIG. 8B-4 is displayed on the operation display unit 230. In addition, when the transfer person designates the receipt notification by telephone, the recognition notification generation unit 253 transfers the communication destination information (telephone number) of the transfer person to the recognition notification instruction unit 254, and the recognition notification instruction unit 254 includes the communication unit. Instruct 220 to make a call to the transfer person's communication terminal 20a. When the transmission is made, a transmission image 247 as shown in (b-5) is displayed on the operation display unit 230. In the case of an email, it is considered that a recognition notification has been sent by sending an email. In the case of a telephone call, it is assumed that a connection with a call destination has been detected and a recognition notification has been transmitted because the connection has been continued for a certain period of time.

  The host computer 50 receives the notification of recognition from the recipient's communication terminal 20b (STEP 210). When the recognition notification is received, the transfer transaction stored in the transfer money storage account 80 is specified based on the transfer completion request information, the transfer money is transferred to the recipient's account, and the transfer process is completed (STEP 220). That is, as shown in FIG. 4 (3), the transfer amount “50000 yen” stored in the deposit storage account 80 is transferred to the account of the recipient “Oka Hanako” and the account balance of the recipient “Oka Hanako” is updated. Is done. Note that the recognition notification transmitted from the recipient's communication terminal 20b to the host computer 50 may include transfer recognition information indicating that the recipient has recognized the transfer, instead of the transfer completion request information. In that case, the host computer 50 deposits the payee's account based on the receipt of the transfer recognition information, and completes the transfer transaction. Alternatively, based on the transmission completion information, depositing into the recipient's account and completing the transfer transaction.

  If the notification receipt information input by the transfer person is “telephone”, the transfer occurrence notification message includes the transfer occurrence notification message and the telephone number “090-5555-XXXX” as communication destination information of the transfer person “Okitaro”. When the recipient's communication terminal 20b that received the transfer occurrence notification selects the notification execution to the transfer person, a call is made (called) to the transfer terminal “Taro Oki” communication terminal 20a based on the telephone number. . A notification of recognition is transmitted to the host computer 50 at the same time as the outgoing call or after a predetermined time has elapsed since the transfer person and the recipient started a call, and the subsequent steps are the same as those in STEP 210 and STEP 220 described above.

[1.4.2. Operation Example 2 of Transaction Processing System 1 (Modification)]
In the above description, the recognition notification including the transfer recognition information is transmitted from the recipient's communication terminal 20b to the transferor's communication terminal 20a. However, the host computer 50 transmits a recognition notification to the transferor's communication terminal 20a. May be. In that case, a notification of recognition from the recipient's communication terminal 20b is transmitted only to the host computer 50. Thereby, based on the recognition notification received by the host computer 50, the recognition notification is transmitted to the transfer person's communication terminal 20a. For this reason, the notification etc. which are performed directly from the recipient communication terminal 20b to the transfer recipient communication terminal 20a do not occur. Hereinafter, this operation example 2 (modification example) will be described. FIG. 9 is a diagram showing an operation example 2 of the transaction processing system 1. The usage scene of transaction processing system 1 as operation example 2 is the same as that of operation example 1 described above.

  First, transfer request information is generated by an operation of the transfer person's communication terminal 20 (STEP 700). Subsequent STEP 710 to STEP 740 are the same as STEP 110 to STEP 140 in Operation Example 1. In STEP 750, a transfer occurrence notification is generated from the transfer request information received by the transfer occurrence notification generation unit 550. In the first operation example, the customer information DB 70 is referred to, and the transferee's communication destination information is acquired based on the transferee information of the transfer request information and the notification receipt information. The unit 550 specifies the notification destination “hanako456@aaa.jp” of the recipient “Hanako Okino” from the transfer request information, and a transfer occurrence notification including a transfer occurrence notification message is generated. The generated transfer occurrence notification is transmitted to the communication terminal 20b of the recipient “Oka Hanako” via the communication unit 520 (STEP 760).

  Next, the recipient's communication terminal 20b receives the transfer notification generated by the host computer 50 (STEP 770). When receiving the transfer notification, the recipient activates the passbook application 250 via login. After the activation, a transfer occurrence notification message included in the transfer occurrence notification is displayed on the communication terminal 20b (STEP 780). When the recipient selects an execution button for executing the notification to the transfer person displayed in the transfer occurrence notification message, a recognition notification is generated based on the information on the transfer occurrence notification (STEP 790). The recognition notification includes transfer recognition information indicating that the recipient has recognized the occurrence of the transfer by operating the communication terminal 20b owned by the recipient, and transfer completion request information for requesting the host computer 50 to complete the transfer. The generated recognition notification is transmitted to the host computer 50 (STEP 800).

  The host computer 50 receives the notification of recognition from the recipient's communication terminal 20b (STEP 810). When the recognition notification is received, the transaction information inquiry unit 530 refers to the customer information DB 70 and acquires the transfer recipient's communication destination information based on the transfer request information of the transfer request information and the notification receipt information. Here, since the notification receiving information is “mail”, the mail address of the transfer person is acquired. Then, a recognition notification mail is generated according to the mail format stored in the storage unit 560, and the generated recognition notification mail is transmitted to the transfer person's communication terminal 20a (STEP 820). In addition, when the notification receipt information input by the transfer person is “telephone”, automatic transmission is executed by an IVR (automatic voice response device) or the like to the telephone number acquired by the transaction information inquiry unit 530, and the storage unit 560 The voice data stored in advance is acquired, and a message indicating that the recipient has recognized the transfer is output by voice. When the recognition notification is transmitted, the transfer transaction stored in the transfer money storage account 80 is identified based on the transfer completion request information, the transfer money is transferred to the recipient's account, and the transfer process is completed (STEP 830). Although the recognition notification includes the transfer recognition information and the transfer completion request information, the information to be transmitted to the host computer 50 may be such that the transfer recognition information also serves as the transfer completion request information. In that case, the host computer 50 transmits a notification mail to the transfer person based on the received transfer recognition information, and completes the corresponding transfer transaction.

[1.5. Summary of First Embodiment]
As described above, according to the present embodiment, a transfer can be received on the condition that the recipient is notified that the recipient has recognized the fact of the transfer. One can efficiently know that the recipient has recognized the fact of the transfer. The transfer person can obtain a sense of security by grasping that the payee has recognized the transfer made by himself / herself. Further, since the payee cannot receive the transfer money until the transfer person is notified that the fact of the transfer has been recognized, the unintentional use can be prevented.

  In the first embodiment, the transfer transaction using the Internet banking channel has been described. However, the same processing as described above is performed in the case of the transfer transaction using the channel of the ATM 30 or the counter terminal 40. . For example, when making a transfer using the ATM 30, the ATM 30 reads account information recorded on a cash card inserted by a transfer person from an insertion port (not shown), such as a financial institution code, a branch number, and an account number. In addition, the ATM 30 transmits the account information read from the cash card to the host computer 50 together with the password entered via the touch panel. The host computer 50 that has received this information checks the personal identification number of the transfer person registered as a master using the account information as a search key, and checks whether the personal identification numbers match. At this time, if the passwords match, it can be authenticated that the user of the ATM 30 is the account user. In this case, the ATM 30 notifies the host computer 50 of the transfer transaction request input via the menu screen displayed on the touch panel after successful authentication. For example, as with the transfer terminal 20a, the transfer transaction menu screen is provided with a notification receipt selection item in addition to the transfer destination account number input item, the transfer destination name input item, and the transfer money input item. When the ATM 30 transmits the transfer request information to the host computer 50, the processing of the host computer 50 and the recipient communication terminal 20b described in the first embodiment is executed.

  In addition, when making a transfer using the counter terminal 40, the counter terminal 40 accepts input of the transfer account number, transfer name, transfer amount, and notification receipt information of the transfer transaction according to the slip filled in by the customer. By requesting online processing related to the transaction to the host computer 50, the processing of the host computer 50 and the recipient's communication terminal 20b described in the first embodiment is executed.

Further, whether or not the notification receipt information is used for each account and the initial setting value are stored in the host computer 50 in advance, and when the transfer is performed by means having no function of specifying the notification receipt information, the setting value is set. May be used to perform the processing described above.

  Further, the transfer person does not necessarily have the communication terminal 20, and when performing the transfer using the ATM 30 or the counter terminal 40, the transfer person may have only a normal mobile phone or the like that can receive mail and telephone. .

[2. Second Embodiment]
In the second embodiment, unlike the first embodiment, the host computer 50 can obtain the transfer person's location information, transfer time information, transfer money information, etc. without selecting the notification receipt information to be notified by the transfer person himself / herself. Automatically determines how to notify the transfer person. For example, the communication terminal 20a possessed by the transfer person is provided with position information acquisition means for acquiring position information. By including the position information in the transfer request information, the host computer 50 transfers the transfer information from the recipient to the transfer person. Select whether to notify by phone or email.

[2.1. Configuration example of transaction processing system 1]
<Additional device configuration>
In the second embodiment, in addition to the configuration of the first embodiment, the transfer person's communication terminal 20a includes a position information acquisition unit 500 that acquires position information of the communication terminal 20a, or a time information acquisition unit that acquires time information. 600 and a clock unit 700, or a position information acquisition unit 500, a time information acquisition unit 600, and a clock unit 700. On the other hand, the host computer 50 includes a determination unit 800 that determines a notification receiving method based on the transfer request information.

  First, the additional configuration of the communication terminal 20 will be described. FIG. 10 is a functional block diagram showing the configuration of the communication terminal 20 according to the second embodiment of the present invention. As shown in FIG. 10, the communication terminal 20 includes a control unit 210, a communication unit 220, an operation display unit 230, a storage unit 240, a passbook application 250, a position information acquisition unit 500, a time information acquisition unit 600, and a clock unit. 700. The position information acquisition unit 500 receives a positioning signal from a positioning satellite such as GPS (Global Positioning System) and measures the current position of the communication terminal 20. Note that the position information acquisition unit 500 can receive a positioning signal from one type of satellite, or can receive positioning signals from a plurality of types of satellites and perform positioning by combining the received signals. Is also possible. For example, the transfer request information including the position information obtained by the position information acquisition unit 500 measuring the current position of the communication terminal 20 is transmitted to the Internet banking server 10 when the transfer person inputs the transfer information and executes the transfer.

  The time information acquisition unit 600 acquires predetermined time information with reference to the clock unit 700. For example, the time information acquisition unit 600 refers to the clock unit 700 to acquire the transfer time when the transfer person inputs the transfer request information and executes the transfer, and the transfer request includes the acquired transfer time information. Information is transmitted to the Internet banking server 10.

In the second embodiment, since the transfer person does not select a method for receiving the notification, the transfer request information here does not include the notification reception information. Therefore, the transfer request information in the second embodiment includes the account number information of the transfer person, the transfer name information, the transfer destination account number information, the transfer name information, the transfer information, and the position information. Alternatively, transfer time information may be included instead of the position information. Alternatively, both position information and transfer time information may be included.

  Next, an additional configuration of the host computer 50 will be described. FIG. 11 is a functional block diagram showing the configuration of the host computer 50 according to the second embodiment of the present invention. As shown in FIG. 11, the host computer 50 includes a determination unit 800 in addition to the control unit 510, the communication unit 520, the customer information inquiry unit 530, the transaction processing unit 540, the transfer occurrence notification generation unit 550, and the storage unit 560. The determination unit 800 determines a notification method to the transfer person from the transfer request information received via the communication unit 520, and transfers the determined notification method to the transfer occurrence notification generation unit 550 as notification reception information.

[2.2. Example of transaction processing system 1 operation]
Next, the processing of the determination unit 800 of the host computer 50 that determines the notification method to the transfer person from the position information, transfer time information, and transfer money information included in the transfer request information transmitted from the transfer person's communication terminal 20a is mainly described. To explain. Specifically, when location information is included in the transfer request information, the determination unit 800 refers to a map database (not shown) and identifies the location where the transfer person's communication terminal 20a is located. For example, when the specified place is indoors such as a hospital, a station, or a building, the determination unit 800 determines that the notification method to the transfer person is “mail”, and transfers it to the transfer occurrence notification generation unit 550 as notification reception information. . When the transfer request information includes the transfer time information, the determination unit 800 determines whether the receiving method is “mail” or “phone” based on the preset time zone information. For example, when the reference time zone information is set to “e-mail” as the receiving method between 10:00 and 6:00 in the afternoon, the received transfer time information is within the time zone. If there is, the notification method to the transfer person is determined to be “mail” and transferred to the transfer occurrence notification generation unit 550 as notification reception information. If it is outside the time zone, the notification method to the transfer person is determined as “telephone” and transferred to the transfer occurrence notification generation unit 550 as notification reception information. Further, the determination unit 800 may determine a notification method to the transfer person from the transfer information included in the transfer request information. For example, when the transfer amount is equal to or more than the preset reference amount information, the transfer person The notification receiving method is determined to be “telephone” and transferred to the transfer occurrence notification generation unit 550 as notification reception information.

  Further, the determination unit 800 may determine the receiving method by combining the transfer person's position information, transfer time information, and transfer money information. For example, when the location where the transfer person's communication terminal 20 is located is indoors from the position information included in the received transfer request information, the time information is 0:05 in the afternoon, and the transfer amount is equal to or greater than the reference amount information The determination unit 800 determines that the method of notifying the transfer person is “telephone”, and transfers it to the transfer occurrence notification generation unit 550 as notification reception information. This is because even if the transfer person is located indoors, there is a high probability of a lunch break from the transfer time information, and the transfer amount is larger than the reference amount information, so the transfer person is surely notified and the transfer person is in a call. The determination unit 800 determines that there is time available, and determines that the method of notifying the transfer person is “telephone”.

The transfer occurrence notification generation unit 550 generates a transfer occurrence based on the notification reception information transferred from the determination unit 800. The generated transfer occurrence notification is transmitted to the recipient's communication terminal 20b via the communication unit 520.

[2.3. Summary of Second Embodiment]
As described above, according to the present embodiment, in addition to the effects of the first embodiment, the transfer person does not select the method of receiving the notification or even if the transfer is forgotten. One can be sure that the recipient has recognized the transfer. Since the transfer is executed after knowing that the transfer has been recognized, the transfer person can obtain a sense of security.

[3. Conclusion]
The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in the above-described embodiment, information on the recognition notification is generated when the recipient performs a selection operation of the notification execution button for the transfer occurrence notification on the passbook application 250, and the generated recognition notification is transferred via the host computer 50. Although the transmission is made to the communication terminal 20a possessed by a person, the present invention is not limited to such an example. For example, instead of a button operation, an access operation to a URL link may be used. In that case, a predetermined unique URL is included in the transfer notification mail transmitted to the recipient's communication terminal 20b, and the unique URL is linked to the transfer notification mail on the mail application of the recipient's communication terminal 20b. Display as. When the recipient performs an access operation on the URL, the internet banking server 10 detects that the recipient has accessed the URL with reference to the transfer notification mail, and the host computer receives the transfer person and the recipient. Along with the ID and transaction number, information indicating that the recipient has recognized the bank transfer generated mail is notified. Thereby, the host computer 50 can identify the transfer person who should transmit the recognition notice, and can send the recognition notice to the communication terminal 20a possessed by the transfer person. In this case, the host computer 50 includes a URL generation unit that generates a unique URL based on the received transfer request information. The host computer 50 displays the URL on the communication terminal 20b by transmitting the generated URL information and the transfer notification to the recipient's communication terminal 20b by mail. The generated URL includes recipient information, money transfer information, and money transfer information. For example, in the case of the above-mentioned transfer person “Okitaro” and recipient “Oka Hanako”, the URL generation unit is “https: // (Internet banking server 10 URL) /? = Fid = 1234567 & uid = 8910111 & tno = 9999 & price = 50,000” (fid Is a transfer account number, uid is a payee account number, tno is a transaction number, and price is a transfer). The parameter part after “?” May be encrypted and included in the URL. The host computer 50 refers to the customer information DB 70 from the information of the transfer person and transaction number included in the detected URL, acquires the transfer destination information of the transfer person, and generates a recognition notification according to the mail format and voice data stored in advance. The generated recognition notification is transmitted to the transfer person's communication terminal 20a.

In this embodiment, it is assumed that the account of the transferor and the payee are the same financial institution. However, even if the transfer is between different financial institutions, the processing of the host computer 50 is performed on the payee side. This can be realized by using the host computer of the institution.

  In addition, the steps shown in the flowcharts of the above-described embodiments are executed in parallel or individually even if they are not necessarily processed in time series, as well as processes performed in time series in the order described. Including processing to be performed. Further, it goes without saying that the order can be appropriately changed even in the steps processed in time series.

1 Transaction Processing System 10 Internet Banking Server 20 Communication Terminal 30 ATM
40 Counter terminal 50 Host computer 70 Customer information database 80 Deposit account

Claims (13)

A transaction processing system configured by a transaction processing device that performs a transfer process according to transfer request information, a first communication terminal, and a second communication terminal,
The transfer request information includes transfer amount information, transfer source account information, and transfer destination account information,
The transaction processing apparatus
A first receiving unit for receiving the transfer request information;
A first generation unit that receives the transfer request information received by the first receiving unit and generates a transfer occurrence notification indicating that a transfer request has occurred;
A first transmission unit that transmits the transfer notification generated by the first generation unit to the first communication terminal,
The first communication terminal is
A second receiver that receives the transfer notification from the first transmitter;
A display unit for displaying a transfer occurrence notification received by the second receiving unit;
A second generation unit that generates a recognition notification indicating that the transfer occurrence notification displayed on the display unit has been recognized;
A second transmitter that transmits the recognition notification generated by the second generator to the first receiver;
Furthermore, the transaction processing device comprises:
Transfer processing with reference to the transfer request information on condition that the first reception unit receives the recognition notification and the first transmission unit transmits the recognition notification to the second communication terminal. A transfer processing unit for executing
A transaction processing system comprising: A transaction processing system configured by a transaction processing device that performs a transfer process according to transfer request information, a first communication terminal, and a second communication terminal,
The transfer request information includes transfer amount information, transfer source account information, and transfer destination account information,
The transaction processing apparatus
A first receiving unit for receiving the transfer request information;
A first generation unit that receives the transfer request information received by the first receiving unit and generates a transfer occurrence notification indicating that a transfer request has occurred;
A first transmission unit that transmits the transfer notification generated by the first generation unit to the first communication terminal,
The first communication terminal is
A second receiver that receives the transfer notification from the first transmitter;
A display unit for displaying a transfer occurrence notification received by the second receiving unit;
A second generation unit that generates a recognition notification indicating that the transfer occurrence notification displayed on the display unit has been recognized;
The recognition notification generated by the second generation unit is transmitted to the second communication terminal, and transmission completion information indicating that the recognition notification has been transmitted to the second communication terminal is transmitted to the transaction processing device. A second transmission unit,
Furthermore, the transaction processing device comprises:
A transfer processing unit that executes a transfer process when the transmission completion information is received by the first receiving unit;
A transaction processing system comprising: The transfer processing unit includes a database in which storage account information for temporarily storing the transfer amount information transferred from the transfer source account information is stored, and when the transfer request information is received, from the transfer source account information When the transfer amount is transferred to the storage account information and the recognition notification is transmitted from the first transmission unit to the second communication terminal, or when the transmission completion information is received by the first reception unit. The transaction processing system according to claim 1, wherein the transfer amount is transferred from the storage account information to the transfer destination account information.   The database holds account information that can be used as a transfer source and a transfer destination, and communication destination information of a communication terminal associated with the account information as a transmission destination of the transfer occurrence notification or the recognition notification. The transaction processing system as described in any one of 1-3. The first transmission unit transmits information of a communication destination of a second communication terminal to the first communication terminal simultaneously with the transmission of the transfer occurrence notification,
The transaction processing system according to claim 4, wherein the second reception unit receives information on a communication destination of the second communication terminal from the first transmission unit simultaneously with reception of the transfer occurrence notification. The second communication terminal is
A request information generating unit for generating the transfer request information;
A position information acquisition unit for acquiring position information of the second communication terminal;
A third transmitter for transmitting the transfer request information and the location information to the transaction processing device,
The transaction processing apparatus
A specifying unit for specifying whether the second communication terminal is located indoors or outdoors from the position information received from the second communication terminal;
When the said specific | specification part pinpoints that the said 2nd communication terminal is located indoors, The determination part which determines transmission of the said notification of notification by mail is provided. The transaction processing system described in 1. The transaction processing system according to claim 6, wherein the determination unit determines transmission of the recognition notification by telephone when the specifying unit specifies that the second communication terminal is located outdoors. The second communication terminal is
A request information generating unit for generating the transfer request information;
A time information acquisition unit that acquires the time information that generated the transfer request information;
A third transmitter for transmitting the time information and the transfer request information to the transaction processing device,
The determination unit retains time zone information for determining transmission by mail when transmitting the recognition notification to the second communication terminal, and receives the time information and the time zone information received from the second communication terminal. The transaction processing system according to claim 6, wherein The transfer request information includes transfer amount information,
The determination unit holds reference amount information for determining transmission by telephone when transmitting the recognition notification to the second communication terminal. When the transfer amount information is larger than the reference amount information, the determination unit The transaction processing system according to any one of claims 6 to 8, wherein it is determined to transmit to the second communication terminal by telephone. A transaction processing apparatus for performing a transfer process according to the transfer request information,
The transfer request information includes transfer amount information, transfer source account information, and transfer destination account information,
A receiving unit for receiving the transfer request information;
Receiving a transfer request information received by the receiving unit and generating a transfer occurrence notification indicating that a transfer request has occurred;
A transmission unit that transmits the transfer notification generated by the generation unit to another communication terminal;
Further, the reception unit receives a recognition notification indicating that the generation of the transfer request has been recognized from the other communication terminal, and transmits the recognition notification from the transmission unit to a communication terminal different from the other communication terminal. And a transfer processing unit that executes the transfer process with reference to the transfer request information,
A transaction processing apparatus comprising: A transaction processing apparatus for performing a transfer process according to the transfer request information,
The transfer request information includes transfer amount information, transfer source account information, and transfer destination account information,
A receiving unit for receiving the transfer request information;
Receiving a transfer request information received by the receiving unit and generating a transfer occurrence notification indicating that a transfer request has occurred;
A transmission unit that transmits the transfer notification generated by the generation unit to another communication terminal;
Furthermore, a transfer processing unit that executes a transfer process when receiving the transmission completion information indicating that the recognition notification has been transmitted from the other communication terminal to a communication terminal different from the other communication terminal,
A transaction processing apparatus comprising: A computer as a transaction processing device that performs a transfer process according to the transfer request information,
The transfer request information includes transfer amount information, transfer source account information, and transfer destination account information,
A receiving unit for receiving the transfer request information;
Receiving a transfer request information received by the receiving unit and generating a transfer occurrence notification indicating that a transfer request has occurred;
A transmission unit that transmits the transfer notification generated by the generation unit to another communication terminal;
Further, the reception unit receives a recognition notification indicating that the generation of the transfer request has been recognized from the other communication terminal, and transmits the recognition notification from the transmission unit to a communication terminal different from the other communication terminal. And a transfer processing unit that executes the transfer process with reference to the transfer request information,
A transaction processing program for causing a transaction processing apparatus to function. A computer as a transaction processing device that performs a transfer process according to the transfer request information,
The transfer request information includes transfer amount information, transfer source account information, and transfer destination account information,
A receiving unit for receiving the transfer request information;
Receiving a transfer request information received by the receiving unit and generating a transfer occurrence notification indicating that a transfer request has occurred;
A transmission unit that transmits the transfer notification generated by the generation unit to another communication terminal;
Furthermore, a transfer processing unit that executes a transfer process when receiving the transmission completion information indicating that the recognition notification has been transmitted from the other communication terminal to a communication terminal different from the other communication terminal,
A transaction processing program for causing a transaction processing apparatus to function.

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