JP2004086840A - Financial transaction method, financial transaction system, independent institution server mediating financial transaction, integrated cash card, and atm using the card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a user to receive services to a plurality of accounts with one password by integrating cash cards for the plurality of accounts into one card. <P>SOLUTION: An independent institution server 100 managed by an independent institution for collectively managing information of a user, financial institution servers 105 and 106 each managed by a financial institution, such as a bank, which provides an account to the user, and an ATM 101 specified by the independent institution are connected via a network 104. The user uses an integrated cash card storing information on a plurality of accounts and a password common to all the plurality of accounts. The user uses the ATM 101 to receive the services to all the plurality of accounts owned by the user via the independent institution server 100. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a financial transaction method, a financial transaction system, a third-party server for mediating financial transactions, an integrated cash card, and an ATM (Automated Teller Machine) using the card. The present invention relates to a financial transaction method, a financial transaction system, a third-party server for mediating financial transactions, an integrated cash card, and an ATM using the card, which can be integrated and managed and used.
[0002]
[Prior art]
At present, a depositor who uses a financial institution holds a cash card for each account of the financial institution and uses the ATM for the respective financial institution using the cash card to deposit, withdraw, transfer, etc. Service is available.
[0003]
[Problems to be solved by the invention]
However, the depositor must hold a new cash card each time the account of the financial institution to be traded increases. For this reason, when saving money for the depositor, managing the cash card for the number of accounts, grasping the whole of the assets that are distributed and managed in multiple accounts, when dealing with multiple accounts, A lot of trouble such as the trouble of combining the processes.
[0004]
An object of the present invention is to provide a financial transaction method capable of integrating and managing deposit accounts of a plurality of financial institutions, which can eliminate various troubles of a user having a plurality of accounts as described above, It is an object of the present invention to provide a financial transaction system, a third-party server for mediating financial transactions, an integrated cash card, and an ATM using the card.
[0005]
[Means for Solving the Problems]
According to the present invention, an object of the present invention is to provide a financial transaction method using an Internet connection terminal with an ATM or a card reader, wherein an integrated cash card which records one or more account identification codes and one user identification code to be traded by a user is provided. This is achieved by providing a service for the account recorded on the integrated cash card by performing an authentication process on the user identification code when inserted into the ATM or card reader.
[0006]
Further, the object is to provide a financial transaction system in which an Internet connection terminal with an ATM or a card reader, a third party server, and a financial institution server are connected via a communication line. The card used in the Internet-connected terminal provided with the card is an integrated cash card that records one or more account identification codes and one user identification code to be traded by the user, and the third-party server includes the user identification code Means for providing a service to the account recorded on the integrated cash card having the above.
[0007]
In addition, the object is to provide a third-party server connected to an Internet connection terminal with an ATM or a card reader and a financial institution server for mediating financial transactions, wherein the third party server with the ATM or a card reader has Means for performing an authentication process for the user identification code when an integrated cash card recording one or more account identification codes and one user identification code to be traded is inserted, and an account recorded on the integrated cash card. And means for providing services to
[0008]
Further, an object of the present invention is to record one or more account identification codes and one user identification code for a user in an integrated cash card used for financial transactions using an Internet connection terminal with an ATM or a card reader. This is achieved by:
[0009]
In addition, the above object is to provide a service for an ATM recorded in an integrated cash card in which one or more account identification codes and one user identification code are recorded in an ATM used for financial transactions. This is achieved by providing means.
[0010]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of a financial transaction method, a financial transaction system, an integrated cash card, and an ATM using the card according to the present invention will be described in detail with reference to the drawings.
[0011]
The present invention integrates cash cards issued by financial institutions owned by each user into one card, establishes an organization for centrally managing information of each user, and manages individuals with unique IDs. With the use of an ATM that meets the specifications of the institution, a single integrated card can be used to withdraw, deposit, and transfer a specified amount of money from multiple accounts to multiple accounts. Can be performed.
[0012]
FIG. 1 is a diagram showing the concept of a financial transaction system according to an embodiment of the present invention, and FIG. 2 is a diagram for explaining the contents of management information in a management DB of a third party organization and an integrated cash card. In FIG. 1, reference numeral 100 denotes a server managed by a third-party organization (hereinafter, simply referred to as a third-party organization server); 101, a third-party organization standard ATM; 102, an integrated cash card; 103, a personal information management DB; The networks 105 and 106 are servers managed by the financial institution (hereinafter, simply referred to as financial institution servers).
[0013]
As shown in FIG. 1, a system according to an embodiment of the present invention includes a third party server 100 managed by a third party as an organization that centrally manages information of each user, and a user account. A financial institution server 105, 106 managed by a financial institution such as a bank, and an ATM 101 of a third-party organization are connected to a network 104. In such a system, the third party server 100 includes a personal information management DB 103, a communication function between the ATM 101 and the financial institution servers 105 and 106 as a bank, a transmission / reception message editing function, and a personal information management DB. It has a search function and a personal information comparison function. Each of the financial institution servers 105 and 106 has a customer information management DB, and has a network communication function and an update function of the customer information management DB. In addition, the third party standard ATM 101 can provide various services to the user using the integrated cash card 102, a card owner authentication function, a card reading function, and a communication function with a third party server. It has a possession account list display / selection function, a transfer destination account history display / selection function, a transfer destination account history update function, and a card information update function. The integrated cash card 102 used in the third party standard ATM 101 is issued from the third party server 100 at the request of the user.
[0014]
In the system according to the embodiment of the present invention shown in FIG. 1, a user holding the integrated cash card 102 issued from the third party server 100 inserts the integrated cash card 102 into the third party standard ATM 101 by The service provided by the financial institution servers 105 and 106 can be received via the third party institution server 100 connected to the network 104.
[0015]
As shown in FIG. 2A, the personal information management DB 103 as a management DB of the third party server 100 has, for each user, a personal management ID 201, a number of owned banks 202, a bank code 203, The number of accounts 204, the account number 205, the personal identification number 206, the communication means 231, the contact information 232, the specific date 233, and the fixed balance amount 234 are stored. The account number 205, the password number 206, the specific date 233, and the fixed balance 234 are registered for the plurality of accounts of the user, and similarly, the bank code 203 is also registered for the plurality of accounts of the user. Only the number of banks is registered. Note that the password 206, the specific date 233, and the fixed remaining amount 234 may be different for each account, but may be the same for all accounts. Also, in the integrated cash card 102, as management information, as shown in FIG. 2B, an ID 211 for personal management, the number of bank accounts 212 owned, the bank code 213, the number of past transaction history 214, and the transaction account information 215 are stored. Have been. The bank code 213 is registered for a plurality of banks for which the user has an account, and transaction account information as transaction history information is stored for the number of histories.
[0016]
FIG. 3 is a diagram showing an example of a screen displayed on a display of the third-party organization standard ATM during processing using the third-party organization standard ATM in the system shown in FIG. 1, and FIG. FIG. 5 illustrates the flow of data and cash when a small amount is withdrawn from a plurality of accounts owned by a user using a three-party organization standard ATM. FIG. 5 is a diagram illustrating a third party in the system shown in FIG. It is a flowchart explaining the processing operation when the user withdraws a small sum from his / her own account using the institutional standard ATM, and these will be described next. The screen example shown in FIG. 3 will be described each time in the description of the processing operation.
[0017]
First, an outline of the flow of data and cash when withdrawing from a plurality of accounts will be described with reference to FIG.
[0018]
The user inserts his / her integrated cash card 102 into the third party standard ATM 101 and performs a process for withdrawal. Through the operation, the third-party organization standard ATM 101 generates a request message format having information of the personal authentication code, the withdrawal amount, the number of the withdrawal source account, and the withdrawal source account information, and transmits the request message 400 to the third party server. Send to 100. The third party server 100 transmits a request message 401 having a format including a withdrawal amount, withdrawal account information, and a password to a bank having a withdrawal source account based on the information received from the third party standard ATM 101. I do. The withdrawal amount included in this message is the amount for each withdrawal amount specified by the user, and the total amount is the amount specified as the user's withdrawal amount. The third party server 100 integrates the amount withdrawn from the bank where the withdrawal source account is located and pays out the third party standard ATM 101. In FIG. 4, the data flow in the above-described processing is indicated by a solid line with an arrow, and the cash flow is indicated by a dotted line with an arrow.
[0019]
Next, with reference to the flow shown in FIG. 5, the processing operation when the user withdraws a small sum from his / her own account using the third party standard ATM in the system shown in FIG. Will be described.
[0020]
(1) When the user inserts the integrated cash card 102 issued by a third party into the third party standard ATM 101 (hereinafter simply referred to as ATM), a list of transaction operations as shown in FIG. The screen 301 is displayed on the display of the ATM 101. On this screen, “draw out” 301-1, “deposit” 301-2, “transfer” 301-3, and “individual setting” 301-4 are displayed so as to be selectable (step 501).
[0021]
(2) The user selects “Drawer” on the displayed list display screen 301 and inputs a password. As a result, the ATM performs personal authentication by the cardholder authentication function of comparing the inputted personal identification number with the number registered in the card (steps 502 to 504).
[0022]
(3) After the personal authentication, the ATM transmits the personal management ID to the third party by using the information reading function in the card, and acquires all the account information owned by the card holder (steps 505 and 506). .
[0023]
(4) Create information to be displayed on the ATM from all account information owned by the acquired cardholder. From the specific date for each account set in advance by the cardholder, check whether it is 10 days before withdrawal processing, if it is 10 days before, the balance amount of the account and the amount to be left in the account on the specific day set in advance And whether or not an amount equal to or greater than the set amount remains in the account (steps 507 to 509).
[0024]
(5) If it is determined in step 509 that the amount of money remaining in the account is small, a setting is made to display a message indicating that the balance is insufficient on the ATM screen in the display area, and the balance remains. In this case, the amount obtained by subtracting the fixed balance set from the account balance is added to the withdrawable amount (steps 510 and 512).
[0025]
(6) If it is determined in step 508 that the day of the withdrawal processing is up to 10 days or more, the balance of the account is added to the withdrawable amount. If the date on which the withdrawal process is to be performed is more than 10 days ago or the balance has left more than the set amount, no message is displayed (step 511).
[0026]
(7) After completion of the above-described processes, the balances of all the accounts of the card holder are rearranged in descending order of the balance, and the rearranged account lists 302-1 to 302-3 as shown in FIG. Is displayed (steps 514, 515).
[0027]
(8) Also, on the ATM screen, the withdrawal amount is specified as the account of the withdrawal source, and the total amount of the amounts specified for each account is displayed as 302-4 (steps 516, 517).
[0028]
(9) After the OK button is pressed, a message is created from the amount, account information, and personal management ID set on the screen of the ATM, and a message is sent to a third party to perform a withdrawal process (steps 518 to 518). 520).
[0029]
(10) The message of the normal processing from the third party is received, the cash, the statement, and the integrated card are discharged, and the withdrawal processing is completed (steps 521 to 523).
[0030]
In the above description, it is also possible to withdraw money from each account evenly without designating the withdrawal amount for each of the plurality of accounts.
[0031]
FIG. 6 is a flow chart for explaining the processing operation of confirming the confirmation of the balance amount of the account owned by the card holder from the ATM via the third party server in the above-mentioned step 505. Next, this will be described. I do.
[0032]
(1) In the process of step 505 described above, after the ATM 101 authenticates the user, the personal management ID is transmitted to the third party server 100 in order to acquire the information of the owned account. The institution server 100 receives the inquiry message from the ATM 101, searches the personal information management DB 103 from the received personal management ID, and obtains account information owned by the individual (steps 601 to 603).
[0033]
(2) The personal information management DB 103 is searched to obtain the account numbers and passwords of all the accounts owned by the individual from the obtained information, and transmit an inquiry message for balance inquiry specifying the account number to the relevant financial institution. (Steps 604 to 607).
[0034]
(3) Receiving a response message to the inquiry from each financial institution, creating a message to be transmitted to ATM 101, and transmitting the balance amount from the financial institution to ATM 101 which has requested the balance inquiry (steps 608, 609). ).
[0035]
FIG. 7 is a flowchart for explaining a processing operation of performing the process of withdrawing the specified amount from the specified account by the user at the step 520 from the specified account at the screen 302 via the third party server. Next, this will be described.
[0036]
(1) In the process of step 520 described above, a message is created from the content specified by the user on the screen 302, a personal management ID is added, and the message is transmitted from the ATM 101 to the third party server 100. Receives the inquiry message from the ATM 101, searches the personal information management DB 103 from the received personal management ID, and obtains account information owned by the individual (steps 701 to 703).
[0037]
(2) The third-party institution server 100 creates and transmits the information obtained by searching the personal information management DB 103 and the withdrawal amount from each account received from the ATM 101 to the relevant financial institution (step). 704-707).
[0038]
(3) The third party server 100 creates a message for receiving the processing end message and the balance notification from each financial institution and transmitting the message to the ATM 101, and transmits a message including the balance amount to the ATM 101 which has requested the withdrawal. (Steps 708 and 709).
[0039]
FIG. 8 is a view for explaining the flow of data and cash when depositing a small amount in each of a plurality of accounts owned by a user using a third-party organization standard ATM in the system shown in FIG. 1, FIG. 9 is a flowchart illustrating a processing operation when a user deposits a small amount in an account owned by the user using the third party standard ATM in the system shown in FIG. These will be described.
[0040]
FIG. 8 is a diagram for explaining the flow of data and cash when depositing a small sum into each of a plurality of accounts owned by a user using a third-party organization standard ATM. The difference is that the cash flow is the reverse of the case of FIG. 4 and the request message from the ATM 101 to the third-party server 100 is a personal authentication code, the number of deposit accounts, the deposit account This is a point composed of account information and a deposit amount, and a point that a request message from the third party server 100 to the bank is composed of deposit account information and a deposit amount.
[0041]
Next, with reference to the flow shown in FIG. 9, a process in which a user deposits money into a plurality of accounts owned by the user using the third party standard ATM101 in the system shown in FIG. The operation will be described.
[0042]
(1) When the user inserts the integrated cash card 102 issued by a third party into the third party standard ATM 101 (hereinafter simply referred to as ATM), a list of transaction operations as shown in FIG. The screen 301 is displayed on the display of the ATM 101. On this screen, “draw out” 301-1, “deposit” 301-2, “transfer” 301-3, and “individual setting” 301-4 are displayed so as to be selectable (steps 901 and 902).
[0043]
(2) The user selects “deposit” on the displayed list display screen 301 and deposits cash into the ATM 101 (steps 903 and 904).
[0044]
(3) The ATM 101 calculates the inserted cash, displays the inserted amount on the screen of the ATM 101, asks the user to confirm the input amount, and if the input amount does not match, discharges the input amount. The fact that the user is to be inserted again is displayed (steps 905, 906, 920, 921).
[0045]
(4) If it is determined in step 906 that the input amount is correct, the ATM 101 transmits the personal management ID to the third party by the information reading function in the card, and receives a response message from the third party. Then, the balance of all account information owned by the card holder is acquired (steps 907 to 909).
[0046]
(5) The balance amount of the acquired account information is confirmed, sorted in ascending order of the balance amount, and a list is displayed in that order as shown on an account list (deposit) screen 303 in FIG. The amount is displayed on the screen (steps 910 and 911).
[0047]
(6) The user selects a deposit destination account on the screen of the ATM 101 and specifies a deposit amount. The ATM 101 displays an amount obtained by subtracting the designated amount from the input amount in the remaining portion 303-4 of the input amount (steps 912 to 914).
[0048]
(7) When the balance of the input amount becomes 0 yen, a display is made so that the OK button can be pressed, and the user selects OK (steps 915 and 916).
[0049]
(8) The ATM 101 creates a message based on the selected account information, the deposit amount for each account, the total amount, and the personal management ID, transmits the message to a third party, and performs a deposit process to each financial institution (step 917).
[0050]
(9) The ATM 101 receives the message of the normal termination processing from the third party, discharges the integrated card 102 and the statement from the ATM 101, and terminates the payment processing (steps 918, 919).
[0051]
FIG. 10 is a flowchart for explaining the operation of processing the process of depositing the designated amount into the account designated on the ATM 101 in the above-described steps 912 and 913 via the third party server. explain.
[0052]
(1) The user presses an "OK" button on the screen 303, and the ATM 101 assembles a message including the number of accounts, the amount, the input amount, and the personal management ID of the selected depository, and sends the message to the third party server 100 Then, the third party server 100 receives the message from the ATM 101, analyzes the message, searches the personal information management DB 103 from the personal management ID in the received message, and Acquired account information is acquired (steps 1001 and 1002).
[0053]
(2) The third party server 100 creates a message including the account number and deposit amount obtained from the ATM 101, and transmits the message to each of the receiving banks (steps 1003 to 1005).
[0054]
(3) It is confirmed that the process completion message and the balance information have been received from all the banks, and the received message including the balance amount from the financial institution is transmitted to the ATM 101 which has requested the deposit (steps 1006 and 1007). .
[0055]
FIG. 11 shows that a third party confirms whether a fixed balance remains on a specific day set by the account owner for each account. If the balance of the account is smaller than the fixed balance amount set, the account is designated by a method specified by the owner. It is a flowchart explaining the process which notifies that a balance is small, and this is demonstrated next.
[0056]
(1) The third party server 100 acquires the date when this program is started, specifies the specific date in the personal information management DB 103 of the third party ten days after the date of the day, and specifies the communication means. Search for an account and get account information. The search key of the search here is “contact means $ 0” AND “specific date” ≦ “date + 10” (steps 1101 to 1105).
[0057]
(2) The account number and the password are transmitted to all the financial institutions having accounts that match the conditions to check the balance (step 1106).
[0058]
(3) comparing the acquired balance amount of the account with the fixed balance amount set for each account, and if the balance is small, store the message in the work area in order to transmit the message by the designated communication means. Processing is performed for all accounts (steps 1106 to 1111, 1115, and 1116).
[0059]
(4) As a communication means, an e-mail address set as a contact address is obtained from the personal information to the account holder to whom Email is set, and a message indicating that the balance is insufficient is transmitted as a message (steps 1108 and 1112).
[0060]
(5) As a communication means, a fax number set as a contact is acquired from the personal information to the account holder to which the fax is set, and a message indicating that the balance is insufficient is transmitted as a message (steps 1109 and 1113).
[0061]
(6) As a communication means, the address set as the contact address is obtained from the personal information to the account holder who has set the mailing, and mailed to the effect that the balance is insufficient is sent as a message (steps 1110 and 1114).
[0062]
FIG. 12 is a flowchart for explaining a process in which the card holder sets a necessary amount of money on the day of debit, such as debit of a loan or a utility bill, to each account. Next, this will be described.
[0063]
(1) When the user inserts the integrated cash card 102 issued by a third party into the third party standard ATM 101 (hereinafter referred to as ATM), a transaction business list screen 301 as shown in FIG. Is displayed on the display of the ATM 101. As described above, “draw out” 301-1, “deposit” 301-2, “transfer” 301-3, and “individual setting” 301-4 are displayed on this screen in a selectable manner (step 1201). , 1202).
[0064]
(2) The user selects “individual setting” on the displayed list display screen 301 and inputs a recite number (steps 1203 and 1204).
[0065]
(3) The ATM 101 performs personal authentication by comparing the inputted personal identification number with the number registered in the card, and when the individual is confirmed, displays the individual setting screen 304 shown in FIG. 3D ( Steps 1205, 1206).
[0066]
(4) The user confirms “individual balance setting” 304-1 on the displayed individual setting screen 304 and presses the OK button (step 1207).
[0067]
(5) The ATM 101 obtains the personal management ID by the information reading function in the card, transmits the obtained personal management ID to the third party, receives the response message from the third party, and The fixed balance amount is acquired on the specific date set for each cardholder's account from the personal information management DB 103, and the fixed balance setting screen 305 shown in FIG. 3E is displayed as a list (steps 1208 to 1210).
[0068]
(6) The user sets the required amount on a specific day for each account on the displayed setting screen 305, and presses a “SET” button. If the user wants to cancel the set contents, the user can press the "cancel" button to clear the set contents. After setting and canceling the respective information, the OK button is pressed (steps 1211, 1212).
[0069]
(7) The ATM 101 creates a setting request message according to the contents set in the processing of step 1211, adds a personal management ID to the message, transmits the message to a third party, and updates the personal information management DB 103 of the third party. (Steps 1213 and 1214).
[0070]
(8) Upon receiving the message from the third party that the normal processing has ended, the ATM 101 ejects the card and ends the processing (steps 1215 and 1216).
[0071]
FIG. 13 is a diagram illustrating the flow of data and cash when a user transfers money from his / her account to a transfer destination bank using a third-party organization standard ATM in the system shown in FIG. Next, with reference to FIG. 13, an outline of the flow of data and cash when performing a transfer will be described.
[0072]
When the user inserts the integrated cash card 102 issued by the third party into the third party standard ATM 101 and performs an operation for the transfer, the third party standard ATM 101 is A request message format having information of a personal authentication code, a transfer amount, a transfer destination account, a communication column, a transfer source account number, a transfer source account number, and a transfer amount is generated and transmitted to the third party server 100. The third party server 100 transmits a request message having a format including a withdrawal amount and transfer destination account information to a bank having an account as a transfer source, based on information received from the third party standard ATM 101. The withdrawal amount included in this message is the withdrawal amount for each transfer source account specified by the user, and the total amount is the transfer amount for the transfer destination account. The third party server 100 integrates the withdrawal amount from the bank with the transfer source account, and transmits a request message having a format including the transfer destination account information, the name of the transferee, the transfer amount, and the communication column to the transfer destination bank. . In FIG. 13, the flow of data in the above-described processing is indicated by a solid line with an arrow, and the flow of cash is indicated by a dotted line with an arrow.
[0073]
FIG. 14 is a flowchart for explaining a processing operation when a user transfers money from his / her account to a transfer destination bank using the third-party organization standard ATM in the system shown in FIG. 1, and FIG. Is a diagram showing an example of a screen displayed on a display of a third-party organization standard ATM at the time of the processing in FIG.
[0074]
(1) When the user inserts the integrated cash card 102 issued by the third party into the third party standard ATM (hereinafter simply referred to as ATM) 101, the transaction business as shown in FIG. Is displayed on the display of the ATM 101. On this screen, “draw out” 301-1, “deposit” 301-2, “transfer” 301-3, and “individual setting” 301-4 are displayed so as to be selectable (steps 1401, 1402).
[0075]
(2) The user selects “transfer” on the displayed list screen 301 and inputs a password. As a result, the ATM performs personal authentication by the card holder authentication function of comparing the inputted personal identification number with the number registered in the card (steps 1403 to 1405).
[0076]
(3) After the personal authentication processing, the information reading function in the card is used to acquire the bank code 213 of the financial institution that manages the account owned by the individual from the integrated cash card by the number of owned account banks 212. The code 213 is converted into a bank name to obtain the bank name. The details of this processing will be described later with reference to the flow shown in FIG. 16 (step 1406).
[0077]
(4) Then, using the acquired bank name as the transfer source account, as shown in FIG. 15 (c), a list of owned accounts 1502 is displayed, and the option “cash” is selected so that cash transfer can be selected. 1502-1 is added and displayed in a list (step 1407).
[0078]
(5) The user selects a transfer source from the owned account list 1502 displayed in step 1407. Since the ATM displays a transfer amount designation screen for setting the amount to the selected transfer source and cash as shown in FIG. 15B, the user sets the transfer amount for each (steps 1408 to 1408). 1410).
[0079]
(6) When the user confirms the transfer amount for each transfer source entered by himself and presses the “OK” button in the screen example shown in FIG. 15B, the ATM is assigned to the specified account. Check the remaining amount via the third party server. The details of this process will be described later with reference to the flowcharts shown in FIGS. 17 and 18 (step 1411).
[0080]
(7) As a result of the confirmation via the third party server in step 1411, it is determined whether or not the designated amount remains in the account. If there is an account with insufficient balance, step 1407 Then, the process returns to the above step, the fact is displayed on the display, the owned account list 1502 is displayed again, and the financial institution is selected (step 1412).
[0081]
(8) If it is determined in step 1412 that the designated amount remains in the account, a screen 1504 for selecting a transfer destination account as shown in FIG. 15D is displayed. On this screen, "select from previously transferred accounts" 1504-1 for selecting from account histories (MAX 10 accounts) that have been transferred in the past, and "new "Specify transfer account" 1504-2 is displayed, and the user selects any of these (step 1413).
[0082]
(9) In step 1413, if “select from previously transferred account” 1504-1 is selected, the ATM reads the account information 214 and 215 of the past transaction recorded in the integrated cash card, The account information is displayed in a transfer destination list 1505 as shown in FIG. 15E, and the user is caused to select a transfer destination account from this list (steps 1414 and 1415).
[0083]
(10) In step 1413, when "designate a new transfer destination account" 1504-2 is selected, a screen for inputting the bank name and account number of the transfer destination is displayed, and the user is prompted to enter a normal transfer destination specification. In a manner similar to the above, the user is required to select a financial institution, enter a branch, an account number, and the like (steps 1416 and 1417).
[0084]
(11) The ATM executes a remittance process for making a transfer via the third party server to the account of the transfer destination specified in the process of step 1415 or step 1417. The details of this processing will be described later with reference to the flowcharts shown in FIGS. 19 and 20 (step 1418).
[0085]
(12) After the processing of step 1418 is completed, the ATM records the account information designated as the transfer destination on the card as history information by the transfer destination account history update function, ejects the card, and ends the processing (step 1419, 1420).
[0086]
FIG. 16 is a flowchart for explaining the processing operation of reading the bank code 213 from the integrated cash card in step 1406 described above, converting the bank code 213 into a bank name, and displaying the converted bank name.
[0087]
(1) First, obtain the number of banks registered in the integrated cash card, set to repeat the following processing for the number of acquired banks, and determine whether the processing for the number of banks has been completed. Is determined, and the process proceeds to step 1407 (steps 1601 and 1602).
[0088]
(2) If it is determined in step 1602 that the processing for the number of banks has not been completed, one bank code is obtained from the card and the bank code is converted into a bank name (steps 1603 and 1604). The bank name is registered in a table provided in the ATM, and addition, deletion, and change of the bank name are automatically performed via a third party server.
[0089]
(3) The bank name converted in the process of step 1604 is stored in the display area, and the process shifts to the process of step 1602. If there is, the reading of the next bank code is continued (step 1605).
[0090]
FIG. 17 is a flowchart for explaining the processing operation in which the ATM 101 confirms through the third party server whether or not the designated amount remains in the designated account in the step 1411 described above. I do.
[0091]
(1) When the user presses the "OK" button on the transfer amount designation screen, the total amount of money specified for each transfer source bank is calculated and displayed in the total amount column (steps 1701, 1702).
[0092]
(2) In addition, in order to confirm whether the designated amount is in each account, a message including the number of financial institutions at the transfer source, the amount for each financial institution, the bank code, and the personal authentication ID 211 selected on the screen 1502 is displayed. After assembling, the message is transmitted to the third party server 100 (steps 1703 and 1704).
[0093]
(3) The ATM 101 waits for a reply message from the third party server, receives the reply message, analyzes the received message, and proceeds to the processing of step 1412 (step 1705).
[0094]
FIG. 18 is a flowchart for explaining a processing operation in which the third party server which has received the message from the ATM 101 for confirming whether or not the designated amount is in each account in the above-mentioned step 1704 inquires each financial institution server. Next, this will be described.
[0095]
(1) The third party server 100 receives the inquiry message from the ATM 101, analyzes the received message, searches the personal information management DB based on the personal authentication ID in the received message, and acquires the personal information management DB. Acquired account information is obtained (steps 1801 and 1802).
[0096]
(2) It is set to repeat processing for the number of banks of the inquiry destination or less, and it is determined whether or not the following processing for the number of banks has been completed. If completed, the process proceeds to step 1806. (Step 1803).
[0097]
(3) An account number and a password are acquired from the personal account information acquired in step 1802, the acquired information and the amount specified in the ATM message are designated, and a balance confirmation message is sent to the financial institution having the account. And sends the message to the financial institution server, returning to step 1803 to continue creating a message for the next financial institution (steps 1804 and 1805).
[0098]
(4) After transmitting a balance confirmation message to all designated financial institutions, waiting for reception from those financial institution servers, receiving a response message from the financial institution server, and then requesting a balance inquiry A message to be transmitted to the ATM 101 having the error is created, and information from the financial institution server is transmitted to the ATM 101 (steps 1806 and 1807).
[0099]
FIG. 19 is a flow chart for explaining the processing operation for transferring money from the ATM 101 to the transfer destination account specified in the above-mentioned step 1418, which will be described next.
[0100]
(1) After the transfer destination is determined based on the transfer destination account number selected in step 1415 or input in step 1417, the selected transfer source financial institution, amount 1503-1, 1503-2 The remittance account information, the total transfer amount 1503-3, and the personal authentication ID 211 are assembled to create a remittance request message (step 1901).
[0101]
(2) The ATM transmits the remittance request message created in step 1901 to the third party server, waits for reception of a processing result message from the third party server, and after receiving the message, proceeds to step 1419. The process proceeds to Steps 1902 and 1903.
[0102]
FIG. 20 is a flowchart for explaining the processing operation of remittance to the designated transfer destination account in the third party server when the remittance request message is received from the ATM in step 1902 described above. explain.
[0103]
(1) Upon receiving the remittance request message from the ATM, the third party server analyzes the message and acquires personal information from the personal information management DB 103 using the personal management ID (steps 2001 and 2002).
[0104]
(2) The third-party institution server assembles a message including the transfer destination account information, the name of the transferee, and the transfer amount based on the personal information acquired in step 2002 and the information in the message from the ATM, and transfers the transfer to the financial institution server. 110 (steps 2003 and 2004).
[0105]
(3) In order to withdraw the specified amount from the account specified as the transfer source, set to repeat the following processing for the number of banks, and determine whether the processing for the number of banks has been completed If the processing has been completed, the process proceeds to step 2008 (step 2005).
[0106]
(4) Create a request message for debit from the transfer source financial institution to the third party institution, including the account information of the specified transfer source, password, and debit amount, and send this message to the transfer source financial institution server Returning to the processing of step 2005, the processing of creating a message for the next transfer source is continued (steps 2006 and 2007).
[0107]
(5) After transmitting the withdrawal request message to all the transfer-origin financial institution servers, receive a message of a processing result response from the transfer-destination financial institution server 110 and the transfer-origin financial institution server, and send the result to the ATM. It is transmitted (step 2008).
[0108]
As described above, the embodiment of the present invention can deal with all services provided by the financial institution, such as depositing, withdrawing, and transferring. Also, the above-described embodiment of the present invention has been described on the assumption that the service is received using the integrated cash card and the third party standard ATM. However, the present invention can be used instead of the third party standard ATM. It is also possible to connect a card reader that can handle the integrated cash card to an Internet connection terminal such as a PC possessed by a user and connect to a third party server from the Internet connection terminal to receive services.
[0109]
Further, each processing according to the above-described embodiment of the present invention can be configured as a processing program, and this processing program is provided on a recording medium such as an HD, DAT, FD, MO, DVD-ROM, or CD-ROM. Alternatively, it can be provided by a network.
[0110]
According to the embodiment of the present invention described above, a card owned by an individual for each account can be collected into one integrated cash card, and a user can integrate and manage deposit accounts of a plurality of financial institutions. , Can be used. In addition, since the user can use the services of a plurality of financial institutions using only one PIN, there is no need to remember the PIN for each account, and only the PIN of the integrated cash card can be stored. Just fine. Further, there is no need to visit the financial institution to own the bank in order to perform the transfer, and the service can be received at the nearest financial institution equipped with the third-party organization standard ATM.
[0111]
【The invention's effect】
As described above, according to the present invention, it is possible to combine cash cards for each account into one, simplify management, and eliminate the need to remember a password for each account. Convenience can be improved.
[Brief description of the drawings]
FIG. 1 is a diagram illustrating the concept of a financial transaction system according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining the contents of management DB in a third-party organization and management information in an integrated cash card.
3 is a diagram showing an example of a screen displayed on a display of a third-party organization standard ATM during processing using a third-party organization standard ATM in the system shown in FIG. 1;
FIG. 4 is a view for explaining the flow of data and cash when a small amount is withdrawn from a plurality of accounts owned by a user using a third-party organization standard ATM in the system shown in FIG. 1; .
FIG. 5 is a flowchart illustrating a processing operation when a user withdraws a small amount from his / her own account using a third party standard ATM in the system shown in FIG. 1;
FIG. 6 is a flowchart for explaining a processing operation of confirming the balance amount confirmation and the like of the account owned by the card holder from the ATM via the third party server in step 505 of FIG. 5;
FIG. 7 is a flowchart illustrating a processing operation of performing a process of withdrawing a designated amount from a designated account by a user at a step 520 in FIG. 5 from a designated account via a third party server.
FIG. 8 is a view for explaining the flow of data and cash when a small amount is deposited in each of a plurality of accounts owned by a user using a third-party organization standard ATM in the system shown in FIG. It is.
9 is a flowchart illustrating a processing operation when a user deposits a small amount in an account owned by the user using a third party standard ATM in the system shown in FIG. 1;
FIG. 10 is a flowchart illustrating an operation of processing a process of depositing a designated amount into an account designated on an ATM at steps 912 and 913 in FIG. 9 via a third party server.
[FIG. 11] A method in which a third party checks whether a fixed balance remains on a specific day set by the account owner for each account, and if the balance of the account is smaller than the fixed balance amount set, a method designated by the owner Is a flowchart for explaining a process of notifying that the balance is small.
FIG. 12 is a flowchart illustrating a process in which a card holder sets a necessary amount of money on the day of debit, such as debit of a loan or a utility bill, for each account.
13 is a diagram for explaining the flow of data and cash when a user transfers money from his / her account to a transfer destination bank using a third-party organization standard ATM in the system shown in FIG. 1; is there.
14 is a flowchart illustrating a processing operation in a case where a user transfers money from his / her own account to a transfer destination bank using a third-party organization standard ATM in the system shown in FIG. 1;
FIG. 15 is a diagram showing an example of a screen displayed on a display of a third-party organization standard ATM during the processing in FIG. 14;
16 is a flowchart illustrating a processing operation of reading a bank code from an integrated cash card, converting the bank code into a bank name, and displaying the bank code in step 1406 in FIG. 14;
FIG. 17 is a flowchart illustrating a processing operation in which an ATM checks through a third party organization whether or not a designated amount remains in a designated account in step 1411 of FIG. 14;
FIG. 18 illustrates a processing operation in which a third party server that receives a message from an ATM for confirming whether or not a designated amount is in each account in step 1704 in FIG. 17 inquires each financial institution server. FIG.
FIG. 19 is a flowchart illustrating a processing operation for remittance from an ATM to a designated transfer destination account in step 1418 of FIG.
20 is a flowchart illustrating a processing operation for remittance to a designated transfer destination account in a third party server when a remittance request message is received from an ATM in step 1902 in FIG.
[Explanation of symbols]
100 Third party organization
101 Third party ATM standard
102 Integrated card that can be used in ATM of third party organization
103 Personal Information Management DB Owned by Third Party Institution
104 Network to which third-party institutions, ATMs, and financial institutions are connected
105, 106 Financial institutions connected to the network 104
110 Transfer destination financial institution connected to network 104
111 Financial institution 1 designated as the transfer source connected to network 104
112 Financial institution 2 designated as the transfer source connected to the network 104
120 Telegram requesting transfer processing from third-party organization standard ATM to third party organization
121 Telegram that performs transfer processing from a third party institution to the transfer destination financial institution
122 Message for withdrawal processing from transfer source financial institution to third party institution
201 Personal management ID of third party organization management DB
202 Number of bank types of accounts owned by specific individuals in third party institution management DB
203 Bank code of bank of account owned by specific person in third party organization management DB
204 Number of accounts owned by a specific bank in a specific bank in the third party organization management DB
205 Account number of an account owned by a specific bank in a specific bank in the third party institution management DB
206 PIN of account owned by a specific individual in a specific bank in third party organization management DB
231 Communication method code to cardholder when balance amount is insufficient
232 Contact details for cardholders when balance is insufficient
233 Specific date after each account to perform balance amount inquiry processing
234 Fixed balance amount for each account after inquiry processing of balance amount
211 Personal management ID stored in integrated card
212 Number of bank types for personally owned accounts stored on integrated card
213 Bank code of the bank of the personally owned account stored on the integrated card
214 Number of account information stored in the integrated card that has been transferred in the past
215 Account information (date, bank name, etc.) stored in the integrated card that was previously transferred

Claims (33)

In a financial transaction method using an Internet connection terminal equipped with an ATM or a card reader, an integrated cash card recording one or more account identification codes and one user identification code to be traded by a user is inserted into the ATM or card reader. A financial transaction method comprising providing a service for an account recorded on the integrated cash card by performing an authentication process on the user identification code. After the end of the authentication processing, a list of a plurality of accounts identified by the account identification code recorded on the ATM or the integrated cash card inserted in the card reader is displayed on the display unit of the ATM or the Internet connection terminal. The financial transaction method according to claim 1, wherein 3. The financial transaction method according to claim 1, wherein an account service for an arbitrary combination of a plurality of accounts identified by the account identification code is provided in an integrated manner. In a financial transaction system in which an Internet connection terminal with an ATM or a card reader, a third party server, and a financial institution server are connected via a communication line, the Internet connection terminal with an ATM or a card reader is used. The card to be used is an integrated cash card that records one or more account identification codes and one user identification code that are traded by a user, and the third-party server performs an authentication process on the user identification code. And a means for providing a service for the account recorded on the integrated cash card. After the end of the authentication process, the third party server stores a list of a plurality of accounts identified by the account identification code recorded on the ATM or the integrated cash card inserted in the card reader into the ATM or the Internet connection. 5. The financial transaction system according to claim 4, further comprising means for displaying on a display unit of the terminal. 6. The financial transaction system according to claim 4, wherein the third party server includes means for integrating and providing an account service for an arbitrary combination of a plurality of accounts identified by the account identification code. . The third party server receives the message from the Internet connection terminal with the ATM or a card reader, and retrieves the account information DB. 7. The financial transaction system according to claim 4, further comprising means for editing and returning the result. The third party server receives the message from the Internet connection terminal with the ATM or a card reader, and retrieves the account information DB. Means for sending and receiving messages to and from the financial institution server managing the account owned by the depositor and performing service operations with the financial institution, and transmitting the result to the Internet connection with the ATM or card reader The financial transaction system according to any one of claims 4 to 7, further comprising means for returning the financial transaction to a terminal. The third party server specifies a small withdrawal from each of the plurality of accounts owned by the depositor when performing the transfer business as the service business, and collectively transfers the total amount to the transfer destination account. 9. The financial transaction system according to claim 8, further comprising a transfer unit. When performing the withdrawal business as the service business, the third party server specifies a withdrawal amount for each of a plurality of accounts owned by the depositor and withdraws the total amount thereof. 9. The financial transaction system according to claim 8, wherein: When performing the depositing business as the service business, the third party server specifies a deposit amount for each of the plurality of accounts owned by the depositor and deposits the money into the plurality of accounts. The financial transaction system according to claim 8, wherein: The third-party server sets, for each account owned by the user, the amount to be kept on a specific day every month, and sets the amount of the account owned by the user 10 days before the specific day. 9. The financial transaction system according to claim 8, further comprising means for checking the balance and, when the balance is smaller than the set amount, notifying the balance shortage by a pre-registered communication means. The ATM or the Internet connection terminal equipped with a card reader, when performing the transfer business, reads the history of the transfer destination accounts that have performed the transfer business in the past from the integrated cash card and displays the list, and finally performs the transfer. 9. The financial transaction system according to claim 8, further comprising means for adding the transferred account information to the history of the integrated card and updating the history. In a third-party server that is connected to an Internet connection terminal with an ATM or card reader and a financial institution server and that mediates financial transactions, the third party server with the ATM or card reader has one or more of the following: Means for performing an authentication process on the user identification code when an integrated cash card recording an account identification code and one user identification code is inserted, and means for providing a service for the account recorded on the integrated cash card A third-party server for mediating financial transactions, comprising: Means for displaying a list of a plurality of accounts identified by the account identification code recorded on the ATM or an integrated cash card inserted in the card reader on the display unit of the ATM or the Internet connection terminal after the end of the authentication processing. 15. The third party server for mediating financial transactions according to claim 14, comprising: 16. The third party server for mediating financial transactions according to claim 14, further comprising means for integrating and providing an account service for an arbitrary combination of a plurality of accounts identified by the account identification code. Receiving messages from the account information DB for centrally managing the accounts owned by the depositor and the Internet connection terminal with the ATM or card reader, searching the account information DB, editing the result, and returning the result. 17. A third party server for mediating financial transactions according to claim 14, 15 or 16, comprising means. An account information DB for centrally managing accounts owned by the depositor and a message from the ATM or an Internet connection terminal equipped with a card reader are searched, and the account information DB is searched to find an account owned by the depositor. Means for sending and receiving messages to and from a financial institution server managing the service, and performing service operations with the financial institution, and means for returning the result to the Internet connection terminal with the ATM or card reader. 18. A third party server for mediating financial transactions according to claim 14, wherein the third party server mediates financial transactions. As the service business, when performing a transfer business, it is provided with means for designating a small withdrawal from each of a plurality of accounts owned by the depositor and collectively transferring the total amount to a transfer destination account. 19. A third party server for mediating financial transactions according to claim 18. An integrated cash card used for financial transactions using an Internet connection terminal with an ATM or a card reader, wherein one or more account identification codes and one user identification code which are traded by a user are recorded. Cash card. 21. The integrated cash card according to claim 20, wherein a history of a transfer destination account that has performed a transfer operation in the past is updated and recorded. An ATM used for financial transactions has a means for providing a service to an account recorded on an integrated cash card in which one or more account identification codes exchanged by a user and one user identification code are recorded. ATM which is the feature. 23. The ATM according to claim 22, further comprising means for displaying a list of a plurality of accounts identified by the account identification code of the integrated cash card on a display unit. 24. The ATM according to claim 22, further comprising means for integrating and providing an account service for an arbitrary combination of a plurality of accounts identified by the account identification code. When performing the transfer business, means to read the history of the transfer destination accounts that have performed transfer operations in the past from the integrated cash card and display it in a list, and add the last transfer destination account information to the integrated card history 25. The ATM according to claim 22, further comprising means for updating the history by performing the operation. When performing a withdrawal operation from an account owned by a user, the depositor specifies a withdrawal amount from each of a plurality of accounts owned by the depositor and has a means for collectively withdrawing the total amount of them. The ATM according to claim 22, 23 or 24, wherein 25. The system according to claim 22, further comprising means for withdrawing an amount equally from each of the plurality of accounts owned by the depositor when performing a withdrawal operation from an account owned by the user. ATM. 22, 23 or 23 characterized by comprising means for displaying a list of a plurality of accounts owned by the account owner in descending order of the amount of the balance when performing a withdrawal operation from the account owned by the user. 24. The ATM according to item 24. For each account owned by the user, every month, by setting the amount to be kept on the day when the utility charges, loans, etc. are automatically deducted, when withdrawing cash, the remaining amount is less than the set amount 25. The ATM according to 22, 23 or 24, further comprising means for controlling the amount of money to be withdrawn so as not to be lost. For each account owned by the user, set the amount you want to keep on a specific day every month, and when withdrawing cash from the account owned by the user, set the amount 10 days before the specified date 25. The ATM as set forth in 22, 23 or 24, further comprising means for notifying when the number is smaller. When depositing into an account owned by the user, the depositor designates the amount and account for multiple accounts owned by the depositor, and has a means for depositing money in each account collectively The ATM according to claim 22, 23 or 24. 22, 22, 23, or 24, wherein a means for displaying a list of a plurality of accounts owned by the depositor in ascending order of the balance amount when performing a deposit business to an account owned by the user is provided. ATM. For each account owned by the user, set the amount that you want to keep on a specific day every month, and when depositing into the account owned by the user, set the amount 10 days before the specified date 25. The ATM as set forth in 22, 23 or 24, further comprising means for notifying when the number is smaller.

Images