JPH11219397A - Financial transaction contract system and financial transaction contract method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique with excellent reliability capable of easily making a contract for enabling a financial transaction with a financial institution at a place other than the branch of the financial institution with a contract desiring person in a short time while hardly causing a trouble accompanying the contract. SOLUTION: This financial transaction contract system for making the contract for enabling the financial transaction with the financial institution at somewhere other than the branch of the financial institution is provided with a card information read means 1 for reading the information of a card issued by the financial institution and carried by the contract desiring person and an identification number input means 2 for inputting an identification number registered to the financial institution beforehand by the contract desiring person. Only in the case that the identification number inputted in the identification number input means 2 is correct, the contract for enabling the financial transaction with the financial institution at somewhere other than the branch of the financial institution is made.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for concluding a contract required between a customer (applicant for contract) and a bank, for example, prior to conducting a financial transaction with a bank at a convenience store or the like.

[0002]

Generally, financial transactions with a bank, such as cash withdrawal, transfer, transfer, account transfer contract, and address change, are performed by a bank store, particularly an automatic teller machine (ATM). It is being held at an unmanned store. However, in the evenings on holidays, and at night even on weekdays, ATMs are not available, so people often feel inconvenienced.

[0003] In order to improve customer convenience,
The inventor has come to consider enabling financial transactions with banks at convenience stores and the like. Now, in order to perform such services, it is indispensable for the customer to make a contract with the bank in advance, and this contract will be concluded in the following procedure.

[0004] That is, a contract applicant first goes to a convenience store, where he fills out necessary information on a contract form.
To seal. The contract form filled out and stamped in this way is sent from the convenience store to the bank. When the bank receives the contract form from the convenience store, the bank checks whether there are any errors in the items or the seals entered in the contract form. Only when there is no problem, a contract is made with the customer so that the financial transaction can be made at the convenience store. Thereafter, the customer is notified that the procedure related to the contract has been completed, and the financial transaction with the bank can be performed at the convenience store.

[0005] However, such a method requires a considerable number of days to complete the contract procedure. For this reason, even if a contract applicant wants to immediately make a financial transaction with a bank at a convenience store, it is impossible to do so. Also, it takes a lot of time to sign a contract,
The costs are higher. Therefore, the problem to be solved by the present invention is that a financial transaction with a financial institution can be easily and easily made at a location other than a store of the financial institution, and can be concluded with the contract applicant in a short time, Moreover, it is an object of the present invention to provide a highly reliable technology that is unlikely to cause trouble associated with a contract.

[0006]

An object of the present invention is to provide a system for making a contract in which a financial transaction with a financial institution can be made at a place other than the financial institution's store.
Card information reading means for reading information of a card possessed by a contract applicant, and password input means for inputting a password registered by the contract applicant in advance at the financial institution. Only when the password input by the password input means is correct, a financial transaction contract system wherein a financial transaction with the financial institution is concluded so that it can be performed at a place other than the store of the financial institution. Will be resolved.

[0007] In particular, the above-mentioned problem is a system for making a contract in which financial transactions with a financial institution can be made at a place other than the store of the financial institution, which is issued by the financial institution and owned by a contract applicant. Card information reading means for reading card information; password input means for the contract applicant to input a password registered in advance at the financial institution; and password input by the password input means. It is provided with a right / wrong determining means for determining whether the number is correct, and a contract intention confirming means for confirming the contract intention of the contract applicant, the password input by the password input means is correct, and
A financial transaction characterized in that a financial transaction with the financial institution is concluded so that a financial transaction with the financial institution can be made at a location other than the store of the financial institution only when the contract intent confirmation means confirms the contract intention of the applicant. Settled by the contract system.

[0008] Further, the above-mentioned problem is a system for making a contract in which financial transactions with a financial institution can be made at a place other than the store of the financial institution, which is issued by the financial institution and owned by the applicant for the contract. Card information reading means for reading card information, password input means for inputting a password registered in advance by the financial institution with the financial institution, card information read by the card information reading means And a validity determining means for determining whether the personal identification number input by the personal identification number input means is correct, and a contract intention confirming means for confirming the contract intention of the contract applicant. Card information and the password input by the password input means are correct, and
Only when the contract intention confirmation means confirms the contract intention of the contract applicant, transmits contractable information to the financial institution, and enters into a contract in which financial transactions with the financial institution can be performed at a place other than the financial institution's store. It is solved by a financial transaction contract system characterized in that it is configured to be connected.

[0009] In the above-mentioned financial transaction contract system, it is possible to provide a right or wrong judgment means in a financial institution.
In this case, the authenticity determining means is connected to the card information reading means and / or the password inputting means via the transmitting means for transmitting the card information and / or the password information to the validity determining means, and It is connected to a contract intention confirmation means via a receiving means for receiving information on the validity of the card information and / or the password information transmitted by the transmitting means. Then, the contract intention confirming means is operated only when the receiving means receives that the information transmitted to the validity determining means is correct.

[0010] Preferably, the financial transaction contract system includes a transaction account confirming means for confirming an account used for a financial transaction with a financial institution. By providing the transaction account confirmation means, the applicant for a contract can surely confirm that the person actually contracted with the financial institution is himself, so that troubles associated with the contract are more unlikely to occur.

[0011] The financial transaction with the financial institution, which is targeted by the financial transaction contract system of the present invention, includes cash withdrawal, transfer, transfer, balance inquiry, address change, new account opening, time deposit, savings deposit, Examples include automatic funded time deposits, unsecured loan contracts, life insurance contracts, non-life insurance contracts, investment trust purchases, and stock trading. In addition, locations other than the financial institution stores that conduct financial transactions with financial institutions include convenience stores, gas stations, family restaurants, supermarkets, co-ops, department stores, hospitals, government offices, stations, fast food stores, drugs and electric products. Alternatively, there are various chain stores that handle clothes and the like. Above all, stores are ubiquitous, with no (or very few) holidays and very long business hours, so convenience stores, gas stations, family restaurants, supermarkets, co-ops, department stores, stations, fast food Stores and various chain stores are preferred.

Further, the financial institutions to which the financial transaction contract system of the present invention is applicable include banks, shinkin banks, credit unions, post offices, credit companies, securities companies, consumer finance companies, life insurance companies, non-life insurance companies. , Agricultural cooperatives, fishing cooperatives, and the like. Further, the above-mentioned problem is a method for making a contract in which a financial transaction with a financial institution can be performed at a place other than the store of the financial institution, and information of a card issued by the financial institution and held by a contract applicant. A card information reading step of reading a password, and a password input step of inputting a password registered in advance by the financial institution by the financial institution, wherein the password input in the password input step is correct. The financial transaction contract method is characterized in that a financial transaction with the financial institution is executed only at a store other than the financial institution.

In particular, the above-mentioned problem is a method for making a contract in which a financial transaction with a financial institution can be performed at a place other than the store of the financial institution, which is issued by the financial institution and possessed by the applicant for the contract. A card information reading step of reading card information, a password input step in which the contract applicant inputs a password registered in the financial institution in advance, and whether the password input in the password input step is correct or not. A password discriminating step of discriminating the contract applicant, and a contract intention confirming step of confirming the contract intention of the contract applicant.The password input in the password input step is correct, and the contract This is solved by a financial transaction contract method characterized in that a financial transaction with the financial institution is concluded with a contract that can be performed at a place other than the store of the financial institution only when the applicant's intention to contract is confirmed.

Further, the above-mentioned problem is a method for making a contract in which a financial transaction with a financial institution can be made at a place other than the store of the financial institution, which is issued by the financial institution and possessed by the applicant for the contract. A card information reading step of reading card information; a password input step of inputting a password registered in advance by the financial institution with the financial institution; card information and the password read in the card information reading step The card information read in the card information reading step; and a contract determination step for confirming the contract intention of the applicant. Contract with the financial institution only when the password entered in the number input step is correct and the contract intention of the applicant is confirmed in the contract intention confirmation step Transmit information, financial transaction with the financial institution is solved by the financial contracts method characterized by contract that allows outside stores the financial institution.

[0015] In the above financial transaction contract method,
It is preferable to include a transaction account confirmation step of confirming an account used for financial transactions with a financial institution. By providing the transaction account confirmation step, the applicant for the contract can surely confirm that the person who is actually contracted with the financial institution is himself, so that troubles associated with the contract are more unlikely to occur. Furthermore, it is desirable to install a telephone directly connected to the financial institution so that the financial institution can be immediately contacted in case of emergency.

[0016] The financial transaction contract method of the present invention includes, as financial transactions with a financial institution, cash withdrawal, transfer, transfer, balance inquiry, address change, new account opening,
Time deposits, savings deposits, automatic funded time deposits, unsecured loan contracts, life insurance contracts, non-life insurance contracts, investment trust purchases, stock trading, etc. Further, in the financial transaction contract method of the present invention, as a place other than the store of the financial institution that performs the financial transaction with the financial institution, a convenience store,
Examples include gas stations, family restaurants, supermarkets, co-ops, department stores, hospitals, government offices, stations, fast food stores, and various chain stores dealing with medicines, electronics, and clothes. Above all, stores are ubiquitous, with no (or very few) holidays and very long business hours, so convenience stores, gas stations, family restaurants, supermarkets, co-ops, department stores, stations, fast food Stores and various chain stores are preferred.

Further, the financial institutions to which the financial transaction contract method of the present invention is applicable include banks, shinkin banks, credit unions, post offices, credit companies, securities companies, consumer finance companies, life insurance companies, non-life insurance companies. , Agricultural cooperatives, fishing cooperatives, and the like. As described above, in the present invention, when concluding a contract in which a financial transaction with a financial institution can be made at a place other than the bank of the financial institution, first, a card issued by the financial institution serving as the contract partner and held by the applicant for contract The information is read, and then the applicant for a contract inputs a password registered in advance at the financial institution. Only when the read card information and the inputted password are correct (and only when the final intention of the contract applicant is confirmed), a financial transaction with the financial institution can be performed at a place other than the financial institution store. I try to sign a contract with the applicant. Therefore, contract applicants can carry out the procedures related to the contract directly with the financial institution in real time, and the currently proposed contract method,
In other words, compared to a method in which a contract form in which necessary items are filled in and stamped is sent to a financial institution and a screening is performed there, the time and labor required for completing the contract procedure are greatly reduced. In other words, a contract with which a financial transaction with a financial institution can be made at a place other than the store of the financial institution can be made easily and in a short time with a contract applicant. In addition, according to the present invention, since the card possessed by the contract applicant is used in combination with the personal identification number that can only be known by the contract applicant, troubles associated with the contract are less likely to occur and the reliability is excellent.

[0018]

BEST MODE FOR CARRYING OUT THE INVENTION A financial transaction contract system described below as an embodiment of the present invention is a system for making a contract in which financial transactions with a financial institution can be performed at a place other than the store of the financial institution. Card information reading means for reading information on a card issued by a financial institution and held by a contract applicant, and a password for inputting a password registered in advance by the financial institution by the contract applicant Input means, card information read by the card information reading means and correct / incorrect determination means for determining whether the password input by the password input means is correct, and a contract intention for confirming the contract intention of the contract applicant. Confirmation means, and the card information read by the card information reading means and the password input by the password input means are correct, and,
Only when the contract intention confirmation means confirms the contract intention of the contract applicant, transmits contractable information to the financial institution, and enters into a contract in which financial transactions with the financial institution can be performed at a place other than the financial institution's store. It is configured to tie. Especially,
The authenticity determining means is present in the financial institution and is connected to the card information reading means and / or the password inputting means via the transmitting means for transmitting the card information and / or the password information to the validity determining means. And, via the receiving means for receiving the information on the validity of the card information and / or the password information transmitted by the transmitting means, it is connected to the contract intention confirmation means, and the information transmitted to the validity / incorrectness determining means is The contract intention confirmation means is configured to operate only when the receiving means receives the correctness. Further, the financial transaction contract system of the present embodiment includes a transaction account confirming means for confirming an account used for financial transaction with a financial institution. Here, cash withdrawal is taken as an example of a financial transaction with a financial institution. Then, a place other than the store of the financial institution performing the financial transaction with the financial institution was set as a convenience store, and the financial institution was set as a bank.

A financial transaction contract method described below as one embodiment of the present invention is a method for making a contract in which a financial transaction with a financial institution can be performed at a place other than the store of the financial institution. A card information reading process for reading information on a card issued by the institution and held by a contract applicant;
A password inputting step in which the contract applicant inputs a password registered in advance at the financial institution; and a card information read in the card information reading step and a pass / fail of the password input in the password inputting step. It comprises a correctness / incorrectness determination step for determining, and a contract intention confirmation step for confirming the contract intention of the contract applicant, and the card information read in the card information reading step and the password input in the password input step are correct. And, only when the contract intention of the contract applicant is confirmed in the contract intention confirmation step, transmits contractable information to the financial institution, and a financial transaction with the financial institution is performed at a place other than the store of the financial institution. A contract that can be made. Note that the financial transaction contract method of the present embodiment includes a transaction account confirmation step of confirming an account used for a financial transaction with a financial institution. Here, cash withdrawal is taken as an example of a financial transaction with a financial institution. Then, a place other than the store of the financial institution performing the financial transaction with the financial institution was set as a convenience store, and the financial institution was set as a bank.

Next, an embodiment of the present invention will be described in more detail with reference to FIGS. FIG. 1 is a block diagram showing a schematic configuration of a financial transaction contract system according to an embodiment of the present invention, FIG. 2 is an external view of a financial transaction contract device which is a part of the financial transaction contract system, and FIGS. Reference diagrams each showing a display state of a monitor of the financial transaction contract device, and FIGS. 6 and 7 are each a part of a flowchart for explaining the function (financial transaction contract procedure) of the financial transaction contract system.

The financial transaction contract system according to the present embodiment provides a contract between a customer (a contract applicant) and a bank who can perform a financial transaction (withdrawal of cash) with a bank, which is a financial institution, at a place other than the bank store, particularly at a convenience store. Is used for fastening between As shown in FIG. 1, this system includes a card information reading unit 1, a password input unit 2, a contract intention confirmation unit 3, a transaction account confirmation unit 4, and a right / wrong judgment unit 5.

The card information reading means 1 includes information on a cash card (name, address, transaction branch, deposit type, account, Numbers, etc.). On the other hand, the password input means 2 is used for inputting a four-digit password (password of a cash card) registered in advance by the applicant of the contract with the bank of the contract partner.
As will be described later in detail, in the present embodiment, the numbers 0 to 9 are displayed on the monitor of the financial transaction contracting apparatus, and the password can be input by touching the numbers one by one with a finger in order. .

The contract intention confirming means 3 confirms the final contract intention of the applicant, and the transaction account confirming means 4 confirms the account used by the contract applicant for financial transactions with the bank. Used for The card information reading means 1, the password input means 2, the contract intention confirmation means 3, and the transaction account confirmation means 4 are installed in the financial transaction contract apparatus A shown in FIG.

That is, the card information reading means 1 is provided with a card insertion slot 6 provided on the front panel of the financial transaction contracting apparatus A.
Then, it is provided inside the financial transaction contract apparatus A. A similar panel (indicated by 7 in FIG. 2) is provided on the front panel of the financial transaction contracting apparatus A alongside the card insertion slot 6, and this is the same as the receipt of the receipt in which predetermined items are described. Issuance outlet. The receipt issuing port 7 is not directly related to the technology of the present invention and will not be described. However, after the contract is concluded, the receipt issuing from the receipt issuing port 7 is presented, so that the convenience store can be displayed. You will be able to receive cash at such counters.

As for the password input means 2, the monitor 8 of the financial transaction contracting apparatus A plays a role as described above. More specifically, as shown in FIG. 3, the monitor 8 can display numbers from 0 to 9.
Further, since the surface of the monitor 8 has a touch panel structure, the input of the personal identification number corresponds to the 0 displayed on the monitor 8.
This is done by sequentially touching the numbers 9 to 9 one by one with a finger.

The monitor 8 is also a part of the contract intention confirming means 3 and the transaction account confirming means 4. In other words, a predetermined guidance message is displayed on the monitor 8 and “Yes” or “No” displayed on the monitor 8 together therewith.
By letting the contract applicant select one of them (by touching one of them with a finger), it is possible to confirm the contract intention of the contract applicant and the account used for the transaction.

The display state of the monitor 8 at the time of confirming the contract intention is as shown in FIG. In this state, if the contract applicant touches the "No" part, the contract intention confirmation means 3
Determines that the applicant has no intention of contract and invalidates the contract procedure up to that time. On the other hand, if the contract applicant touches "Yes", it is considered that there is a contract intention, and the process proceeds to the next procedure, that is, confirmation of the transaction account. The display state of the monitor 8 at the time of confirming the transaction account is as shown in FIG. Here, as in the case of the contract intention confirmation, the contract applicant is made to select either "Yes" or "No" to confirm the transaction account.

Now, the authenticity determining means 5 which constitutes the financial transaction contract system of the present embodiment together with the components installed in the financial transaction contracting apparatus A will be described. Is to determine the correctness of the card information read by and the password input by the password input means 2. However, the right / wrong judgment means 5 exists not in the convenience store (thus, not in the financial transaction contracting apparatus A) but in the bank making the transaction contract, and more specifically, one of the host computer B of the bank. Department.

The right / wrong judgment means 5 is connected to the financial transaction contracting apparatus A by an online line [CAFIS (credit information system) network]. In particular, a transmitting means 9 is interposed between the card information reading means 1 and the personal identification number input means 2 and the correctness determining means 5. That is,
The card information and the personal identification number information are transmitted to the validity determination means 5 on the bank side by the operation of the transmission means 9. On the other hand, a receiving means 10 is interposed between the agreement intention confirming means 3 and the transaction account confirming means 4 and the validity determining means 5. That is, it is obtained by the correctness determination means 5,
Receiving means 10 receives the validity information (information on the validity of the card information and personal identification number information transmitted by the transmitting means 9) transmitted from the bank toward the convenience store,
The information is transmitted to the contract intention confirmation means 3 and the transaction account confirmation means 4. The contract intention confirming means 3 and the transaction account confirming means 4 operate in response to the validity information from the validity determination means 5.

However, the contract intention confirmation means 3 and the transaction account confirmation means 4 actually operate when the reception means 10 receives information that the information transmitted to the bank by the transmission means 9 is correct. Limited. Only in this case, the display as shown in FIGS. 4 and 5 is sequentially displayed on the monitor 8 of the financial transaction contract apparatus A. The transmitting means 9
It is connected not only to the card information reading means 1 and the password input means 2, but also to the contract intention confirmation means 3 and the transaction account confirmation means 4. This is because the contract intention confirmation means 3 and the transaction account confirmation means 4 confirm the contract intention of the applicant and the transaction account, and then transmit contract acceptability information to the bank.
The host computer B of the bank receives the contract acceptability information and performs a process of concluding, with the contract applicant, a contract in which cash can be withdrawn at a location other than the bank store.

Next, a procedure until a financial transaction contract is actually concluded by using the above-mentioned financial transaction contract system will be described (refer to the flow charts of FIGS. 6 and 7; Steps to select a new bank). A contract applicant who wants to be able to withdraw cash from his bank account at a convenience store goes to a nearby convenience store and performs a predetermined procedure using the financial transaction contracting device A installed there. .

That is, first, the contract applicant selects “contract” from various items displayed on the monitor 8 of the financial transaction contract device A. Then, the monitor 8 is instructed to select a financial institution to be a contract partner. If the contract applicant operates the touch panel again and designates a financial institution (here, Bank A), then the monitor 8
Is instructed to insert a bank card of Bank A into the card slot 6 (step S1).

When a contract applicant inserts a cash card into the card slot 6 as instructed, the card information reading means 1 reads various information recorded on the cash card (step S2). After reading the card information, the cash card is returned to the contract applicant. Then, an instruction as shown in FIG. 3 is issued to the monitor 8 to input a four-digit password (step S3).

When the applicant for a contract enters a password registered in advance at Bank A by operating the touch panel (step S4), the inputted password information is read by the card information reading means 1 first. Along with the card information, the sending means 9 sends the authenticity judging means 5 at Bank A.
(Step S5). Then, in the correctness determination means 5, the correctness of the information, that is, the card information, for example, whether the corresponding person exists in the customer list or whether the account number is correct, Is determined whether or not the password is for a cash card possessed by the applicant for contract (step S6).

The information obtained by the validity determination means 5 is immediately sent to the financial transaction contracting device A in the convenience store via the online line. In the financial transaction contract device A,
If the information transmitted to the bank is correct, the contract intention confirming means 3 is operated, and the contract intention confirmation procedure of the contract applicant is performed (step S7). If this confirms the intention of the contract applicant (step S
8) Further, the transaction account confirming means 4 is operated, and a procedure for confirming an account used for actual transaction (an account held by the contract applicant in Bank A) is performed (step S9).

On the other hand, if the information transmitted to the bank is incorrect, for example, if the password is different, the monitor 8
Then, the user is again instructed to input a password. After the confirmation of the contract intention and the transaction account of the applicant for the contract is completed (step S10), the information (contractable information) is transmitted from the financial transaction contracting apparatus A to the First Party Bank (step S11). A contract is concluded between the applicant and Bank A to allow cash to be withdrawn at the convenience store (step S12). The conclusion of the contract is communicated to the applicant through the monitor 8 of the financial transaction contracting apparatus A, and the customer who has officially become the contractor immediately
It will be possible to receive cash withdrawal services at convenience stores.

The information from the financial transaction contract device A is
Instead of sending the data directly to the bank, a data processing company may be interposed between them. In this case, the data processing company collectively collects information from convenience stores existing in a certain area, distributes the information to banks, and transmits the information. In other words, the data processing company performs processing so that information input by a contract applicant is transmitted to the bank selected by the contract applicant. The same applies to the case where information is transmitted from a bank to a convenience store. The data processing company collects information from all banks requested to process at once and distributes the information to each convenience store.

As described above, in this embodiment, when concluding a contract in which a financial transaction with a bank can be made at a place other than the bank's store, first, the cash is issued by the counterparty bank and held by the applicant. After reading the card information, the contract applicant can enter the PIN registered in the bank in advance, and the read card information and the entered PIN are correct, and the final contract intention of the applicant can be confirmed. Only when the contract is made, a contract is made with the applicant for a contract in which financial transactions with the bank can be performed outside the bank's store. Therefore, the applicant for the contract can carry out the contract procedure directly with the bank in real time, and the time and labor required to complete the contract procedure are significantly greater than the method using the contract form. To be reduced. In other words, a contract with which a financial transaction with a bank can be made at a place other than a bank store can be made easily and in a short time with a contract applicant. In particular, in the present embodiment, since the cash card possessed by the contract applicant and the personal identification number known only to the contract applicant are used in combination, troubles associated with the contract hardly occur and the reliability is excellent.

In this embodiment, cash withdrawal has been described as an example of a financial transaction with a bank performed in a convenience store, but, of course, the technology of the present invention can be used for other financial transactions. Other financial transactions include transfers and transfers, balance inquiries, address changes, new account openings,
Time deposits, savings deposits, automatic funded time deposits, unsecured loan contracts, life insurance contracts, non-life insurance contracts, investment trust purchases, stock trading, etc.

The installation location (particularly, the location where the financial transaction contract device is installed) is not limited to the convenience store. Other installation locations include gas stations, family restaurants, supermarkets, co-ops, department stores, hospitals, government offices, stations, fast food stores, various chain stores, and the like. When installed at a gas station, it is conceivable to combine it with a device (a POS device for a station) that is currently used to read information on a membership card and calculate a charge or the like from a refueling amount.

In the present embodiment, the card information read by the card information reading means and the validity determining means for determining the validity of the personal identification number inputted by the personal identification number inputting means are replaced by other elements constituting the financial transaction contract system. We set up in another place. That is, the right / wrong judgment means is installed on the bank side, and the other components are installed on the convenience store side. However, the authenticity determination means may be incorporated in the financial transaction contract device so that the right / false determination processing can be performed in the financial transaction contract device. However, in this case, it is necessary to take strict measures to prevent personal information from being accidentally leaked.

[0042]

According to the present invention, a contract with which a financial transaction can be made at a place other than the financial institution's store can be made easily and in a short time with a contract applicant, and troubles associated with the contract occur. hard. Therefore, it has a great effect on disseminating financial transactions in places other than financial institution stores.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a schematic configuration of a financial transaction contract system according to an embodiment of the present invention;

FIG. 2 is an external view of a financial transaction contract device that is a part of the financial transaction contract system.

FIG. 3 is a reference diagram showing a display state of a monitor of the financial transaction contract device.

FIG. 4 is a reference diagram showing a display state of a monitor of the financial transaction contract device.

FIG. 5 is a reference diagram showing a display state of a monitor of the financial transaction contract device.

FIG. 6 is a part of a flowchart for explaining a function (financial transaction contract procedure) of the financial transaction contract system.

FIG. 7 is a part of a flowchart for explaining a function (financial transaction contract procedure) of the financial transaction contract system.

[Explanation of symbols]

 Reference Signs List A Financial transaction contracting device B Bank host computer 1 Card information reading means 2 PIN input means 3 Contract intention confirming means 4 Transaction account confirming means 5 Validity judging means 6 Card insertion slot 7 Receipt issuing port 8 Monitor 9 Transmitting means 10 Receiving means

Claims (15)

[Claims] Claims 1. A system for making a contract in which financial transactions with a financial institution can be made at a store other than the financial institution, wherein information on a card issued by the financial institution and held by a contract applicant is read. Card information reading means, and a password input means for inputting a password registered in advance by the financial institution by the financial institution, the password input by the password input means is provided A financial transaction contract system characterized in that a financial transaction with the financial institution is concluded at a location other than the financial institution's store only when correct. 2. A system for making a contract in which a financial transaction with a financial institution can be made at a store other than the financial institution, wherein information on a card issued by the financial institution and held by a contract applicant is read. Card information reading means, a password input means for allowing the contract applicant to input a password registered in the financial institution in advance, and determining whether the password input by the password input means is correct or not. Correctness judgment means, and contract intention confirmation means for confirming the contract intention of the applicant for contract, the password input by the password input means is correct,
Only when the contract intention of the contract applicant is confirmed by the contract intention confirmation means, a contract is made so that a financial transaction with the financial institution can be made at a place other than the store of the financial institution. Financial transaction contract system. 3. A system for making a contract in which a financial transaction with a financial institution can be performed at a place other than the store of the financial institution, wherein information of a card issued by the financial institution and held by a contract applicant is read. Card information reading means for inputting a personal identification number registered in the financial institution in advance by the contract applicant, card information read by the card information reading means and inputting the personal identification number Means for determining whether the password input by the means is correct or not, and contract intention confirmation means for confirming the contract intention of the contract applicant, the card information read by the card information reading means and the card information The password entered in the PIN input means is correct,
And, only when the contract intention confirmation means confirms the contract intention of the applicant for contract, contractable information is transmitted to the financial institution, and a financial transaction with the financial institution can be performed at a place other than the store of the financial institution. A financial transaction contract system comprising a contract. 4. The card information reading means and / or the personal identification number via the transmitting means which is present in the financial institution and transmits the card information and / or the password information to the said validity / decision means. Connected to the input means,
And the card information transmitted by the transmitting means and / or
Or, when it is connected to the contract intention confirmation means via the receiving means for receiving the information on the validity of the personal identification number information, and when the receiving means receives that the information transmitted to the validity / incorrectness determining means is correct. The financial transaction contract system according to claim 2 or 3, wherein the contract intention confirmation means is configured to be operated only by the user. 5. The financial transaction contract according to claim 1, further comprising a transaction account confirming means for confirming an account used for a financial transaction with a financial institution. system. 6. The financial transaction contract system according to claim 1, wherein the financial transaction with the financial institution is cash withdrawal. 7. A place other than a store of the financial institution that performs a financial transaction with the financial institution is a convenience store, a gas station, a family restaurant, a supermarket, a co-op, a department store, a hospital, a government office, a station, a fast food store, various chains. 7. The financial transaction contract system according to claim 1, wherein the financial transaction contract system is any one of a shop. 8. The financial institution is one of a bank, a shinkin bank, a credit union, a post office, a credit company, a securities company, a consumer finance company, a life insurance company, a non-life insurance company, an agricultural cooperative, and a fishery cooperative. The financial transaction contract system according to any one of claims 1 to 7. 9. A method for making a contract in which a financial transaction with a financial institution can be performed at a place other than the store of the financial institution, wherein information on a card issued by the financial institution and held by a contract applicant is read. A card information reading step, and a password inputting step in which the applicant for a contract inputs a password registered in the financial institution in advance, and only when the password input in the password inputting step is correct. A financial transaction contract method, wherein a contract is made so that financial transactions with the financial institution can be made at a place other than the store of the financial institution. 10. A method for making a contract in which a financial transaction with a financial institution can be made at a store other than the financial institution, wherein information on a card issued by the financial institution and held by a contract applicant is read. A card information reading step, a password inputting step in which the contract applicant inputs a password registered in the financial institution in advance, and a right / wrong determining step of determining whether the password input in the password inputting step is correct or not. And a contract intention confirmation step of confirming the contract intention of the applicant for contract, wherein the password input in the password input step is correct,
And a financial transaction contract characterized by making a contract in which a financial transaction with the financial institution can be performed at a place other than the financial institution's store only when the contract intention of the applicant is confirmed in the contract intent confirmation step. Method. 11. A method for making a contract in which a financial transaction with a financial institution can be made at a store other than the financial institution, wherein information on a card issued by the financial institution and held by a contract applicant is read. A card information reading step, a password input step in which the contract applicant inputs a password registered in the financial institution in advance, and card information read in the card information reading step and input in the password input step. A password determination step for determining whether the password is correct or not, and a contract intention confirmation step for confirming the contract intention of the applicant for contract, wherein the card information read in the card information reading step and the password input in the password input step. Password is correct,
Only when the contract intention of the contract applicant is confirmed in the contract intention confirmation step, contract permit information is transmitted to the financial institution, and a financial transaction with the financial institution can be performed at a place other than the store of the financial institution. A financial transaction contract method comprising making a contract. 12. The financial transaction contract method according to claim 9, further comprising a transaction account confirmation step of confirming an account used for a financial transaction with a financial institution. 13. The financial transaction contract method according to claim 9, wherein the financial transaction with the financial institution is a withdrawal of cash. 14. A place other than a store of the financial institution that performs a financial transaction with the financial institution is a convenience store, a gas station, a family restaurant, a supermarket, a co-op, a department store, a hospital, a government office, a station, a fast food store, various chains. The financial transaction contract method according to any one of claims 9 to 13, wherein the financial transaction contract method is any of a shop. 15. The financial institution is one of a bank, a shinkin bank, a credit union, a post office, a credit company, a securities company, a consumer finance company, a life insurance company, a non-life insurance company, an agricultural cooperative, and a fishing cooperative. The financial transaction contract method according to any one of claims 9 to 14.