JP4570201B2 - Account cancellation processing method and account cancellation processing system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an account cancellation processing method and account cancellation processing system for canceling an existing transaction account in a so-called Internet-only bank that provides bank services only through the Internet.
[0002]
[Prior art]
In recent years, so-called “Internet banking”, which can receive various bank services through a computer network such as the Internet, has attracted attention.
[0003]
In this Internet banking, users' terminals and financial institution servers can be connected via the Internet to receive services such as balance and deposit / withdrawal inquiry, transfer / transfer, and various information provision. Yes. According to such an internet banking service, users can receive banking services regardless of time and place, and the bank is expected to reduce expenses in various ways. He is working hard on system development.
[0004]
[Problems to be solved by the invention]
By the way, the conventional Internet banking is for existing customers who already have an account, and it is not possible to perform online account opening to account cancellation online. This is due to the fact that there is no safe exchange method such as passwords due to security problems on the Internet, and that the time when the account can be used and the time when the account cannot be used is unclear.
[0005]
In other words, when an Internet banking user cancels an existing account, he / she first requests an account cancellation application form from the bank, fills in the application form, seals it, and returns or submits it to the bank. After confirming the application details at the bank, the account will be canceled by entering the bank terminal.
[0006]
With this method, it is necessary for the user to fill in the application form with all the requirements such as address, name, age, telephone number, etc., and then seal the notification seal. Banks also need to check all information on address, name, age, and telephone number based on the returned application form, which can be a burden on the office. For this reason, an Internet bank that cannot take full advantage of Internet banking and can perform all transactions on the Internet, including opening and closing accounts, has not been realized.
[0007]
Furthermore, when canceling an account, it is necessary to return a cash card or the like. However, it is dangerous to request such an action when it is unknown whether the account has been cancelled. As a means for avoiding such a risk, measures such as having the cash card cut with a pinch or the like and then returned are taken, but it is still not perfect in terms of security.
Also, in internet banking, how to return the money instead of cancellation to the customer is an important issue.
[0008]
The present invention has been made in view of such circumstances, and in order to realize a so-called Internet-specialized bank, an account cancellation processing method and account cancellation processing capable of canceling an account online by eliminating the above-described disadvantages. The purpose is to provide a system.
[0009]
[Means for Solving the Problems]
In order to achieve the above object, according to a first main aspect of the present invention, an account cancellation reservation receiving step for receiving an account cancellation reservation input by a user online through a terminal, and whether account cancellation is possible are determined. An account cancellation availability determination step, a transaction stop processing step for stopping a transaction using the account when the account cancellation is possible, and at least a part of the account cancellation necessary information are displayed when the account cancellation is possible. The account cancellation confirmation information presenting step for creating the account cancellation confirmation information and presenting it to the user, and the user based on the approval information input to the account cancellation confirmation information and the account cancellation necessary information by the user. An account cancellation processing method is provided, including an account cancellation process for canceling an account. Moreover, it is preferable that this method further includes an account cancellation fee transfer step of transferring the account cancellation fee to an account designated by the user.
[0010]
According to such a configuration, when an account cancellation reservation is received, transactions using the account are stopped. Thus, there is an effect that security information can be exchanged safely, for example, a cash card or the like can be returned safely.
[0011]
Further, according to the above configuration, it is possible to determine whether or not the account can be canceled by using information input by the user, and it is possible to generate account cancellation confirmation information for account cancellation approval. As a result, this has the effect of significantly reducing the effort for account cancellation for both users and banks.
[0012]
According to a second main aspect of the present invention, an account cancellation reservation receiving means for receiving an account cancellation reservation input online by a user through a terminal, and an account cancellation availability determination means for determining whether the account cancellation is possible If the account can be canceled, the transaction stop processing means for stopping the transaction using the account, and if the account can be canceled, the account cancellation confirmation information on which at least a part of the account cancellation necessary information is displayed. Canceling the account of the user based on the account cancellation confirmation information presenting means for creating and presenting it to the user, the approval information entered by the user for the account cancellation confirmation information and the account cancellation necessary information An account cancellation processing system having an account cancellation means is provided.
[0013]
According to such a configuration, an account cancellation processing system capable of executing the account cancellation processing method is provided.
[0014]
Further features and remarkable effects of the present invention will be more clearly understood from the following embodiments of the present invention and the accompanying drawings.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0016]
An account cancellation processing system 1 according to an embodiment of the present invention is provided in a bank server device 2 as shown in FIG. The server device 2 is connected to the Internet network 3 and configured to exchange information online with a terminal device 5 (for example, a personal computer) of a user 4.
[0017]
FIG. 2 is a block diagram showing a system configuration of the account cancellation processing system 1, and FIG. 3 is a flowchart showing a processing procedure by the system 1. Hereinafter, the configuration of the account cancellation processing system 1 shown in FIG. 2 will be described with reference to the flowchart of FIG. 3 as appropriate. Note that “step S...” Used in the description is a symbol indicating the processing order, and corresponds to the reference symbol “S.
[0018]
As shown in FIG. 2, the account cancellation processing system 1 is roughly composed of an account cancellation reservation unit 7, an account cancellation availability determination unit 8, an approval form generation unit 9, and an account cancellation unit 10. The account cancellation reservation unit 7 receives and processes an account cancellation reservation online from the user 4 having an account. The cancelability determination unit 8 has a function of determining whether the user can cancel the account based on the account cancellation reservation. The approval form generation unit 9 has a function of generating an approval form on which account cancellation necessary information is printed and presenting it to the user when account cancellation is possible. Further, the account cancellation unit 10 receives an approval form approved by the user by pressing a seal, and executes an account cancellation process based on the approval form. Hereinafter, these components will be described in more detail.
[0019]
First, the account cancellation reservation unit 7 receives an account cancellation reservation from the user 4 together with information necessary for account cancellation, and a customer ledger based on the account cancellation reservation stored in the reception unit 12. 11 and an account cancellation reservation status setting unit 14 for setting an account cancellation reservation status in the ordinary account ledger 13.
[0020]
The account cancellation reservation receiving unit 12 authenticates the user based on login information input from the terminal device 5 by the user 4. Here, the login information consists of an ID and a password. Further, the account cancellation reservation receiving unit 12 transmits a reception form for inputting account cancellation necessary information to the terminal device 5 of the user 4 in the form of an HTML document or the like that can be displayed on a browser ( Step S1 shown in FIG. 3), the account cancellation reservation is received by receiving the account cancellation information (account number, cancellation fee transfer designated account, etc.) input in this reception form (step S2). Further, the account cancellation reservation status setting unit 14 accesses the customer ledger 11 and the ordinary account ledger 13 based on the account number included in the account cancellation reservation, and adds the account cancellation reservation status to the account referenced by the account number. To do. Thus, the account cancellation reservation is set (step S3).
[0021]
In addition, the account cancellation possibility determination unit 8 includes a restriction item presence / absence determination unit 16 that determines whether or not the account to be canceled can be canceled by checking whether any restriction item is added to the account to be canceled. A transaction stop processing unit 17 for stopping the transaction for the account based on the determination that it is possible, and an account cancellation approval request unit 18 for requesting account cancellation approval to a user who can cancel the account; Have
[0022]
For example, when there are other transaction restrictions, such as when there is another fixed deposit, the restriction presence / absence determination unit 16 denies account cancellation and cancels the cancellation reservation status (step). S4). Further, if it is determined that the account cancellation is possible, the transaction stop processing unit 17 sets a transaction stop flag in the customer ledger 11 so as to stop the transaction using the account (step S5). . Further, the account cancellation approval request unit 18 generates the account cancellation necessary information and the account number as approval data, and sends it to the approval form generation unit 9.
[0023]
The approval form generation unit 9 processes the approval data into approval form print data and transmits the approval form print data to the external printing system 20. Thus, an approval form in which the approval data is printed is created and transmitted to the user (steps S6 and S7).
[0024]
FIG. 4 shows an example of this approval form. This approval form includes an account number printing unit 23 in which an account number is printed, an account cancellation necessary information printing unit 24 in which the account cancellation necessary information is printed, and an approval in which a user inputs approval information such as a seal. The information input unit 25 and a check box 22 for checking whether or not a cash card is attached. After confirming the information printed on the approval form, the user 4 approves the account cancellation by imprinting a seal on the approval information input unit 25, and returns this approval form (step S8). At this time, the cash card is also attached and returned.
[0025]
Since the account is disabled at this point, even if there is a balance remaining in the account, the cash card can be returned safely. Therefore, the cash card may be returned by ordinary mail or the like without performing an act of cutting the cash card with a cutter or the like.
[0026]
On the other hand, as shown in FIG. 2, the account cancellation unit 10 receives an approval form in which the user has pressed the seal, and stores an account number related to cancellation in the cancellation approved account data storage unit 34. 28, a cancellation processing unit 29 that executes cancellation processing based on the account data that has been approved for cancellation, and an account cancellation substitution processing unit that performs account cancellation substitution processing and transfers the account termination substitution amount to the account designated by the user. 30.
[0027]
The approval information receiving unit 28 inputs the account number described in the returned approval form to the terminal, and stores this information in the cancellation approved account data storage unit 34.
The cancellation processing unit 29 matches the approved account data with the customer ledger, and cancels the account referenced by the approved account number in the customer ledger (step S9). Further, the customer's electronic seal book 33 is accessed, and the seal stamp information registered for the account is deleted.
[0028]
The account cancellation surrogate processing unit 30 calculates the surrender interest, and then outputs the sum of the interest as account surrogate surrogate data together with the transfer destination designated account data. Then, the account cancellation substitute money processing unit 30 performs a transfer process based on the account cancellation substitute money data (step S10).
This completes all processing.
[0029]
The components described above are actually constituted by a main program, a subroutine program, and other components stored in a fixed storage device (storage medium) provided in the computer system. The functions are called by being called into the RAM and executed by the CPU.
[0030]
According to the configuration described above, the following effects can be obtained.
[0031]
1stly, according to the said structure, it has the effect that return processing, such as a cash card, can be performed safely after having stopped the account transaction at the time of making account cancellation reservation.
[0032]
Second, the account can be canceled directly based on the account cancellation necessary information input online by the user through the terminal. This has the effect of reducing the various efforts of both users and banks.
[0033]
Third, the first and second effects described above provide the effect of enabling the establishment of an Internet-only bank that can operate only on the Internet, including up to account cancellation.
[0034]
The present invention is not limited to the above-described embodiment. Various modifications can be made without departing from the scope of the invention.
[0035]
For example, in the above embodiment, the account cancellation approval information is printed on the approval form and transmitted to the user. However, the account cancellation approval information may be transmitted online as digital data. In addition, although the approval is performed by a seal, any method that can confirm the approval can be appropriately selected from electronic signature, electronic authentication, and other methods.
[0036]
【The invention's effect】
As described above, according to the present invention, it is possible to provide an account cancellation processing method and an account cancellation processing system capable of canceling an account online in order to realize a so-called Internet specialized bank.
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.
FIG. 2 is also a functional block diagram.
FIG. 3 is a flowchart for explaining the processing procedure.
FIG. 4 is a view similarly showing an account cancellation approval form.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Account cancellation processing system 2 ... Server apparatus 3 ... Internet network 4 ... User 5 ... Terminal apparatus 7 ... Account cancellation reservation part 8 ... Account cancellation possibility determination part 9 ... Approval form generation part 10 ... Account cancellation part 11 ... Customer ledger 12 ... Account cancellation reservation accepting unit 13 ... Ordinary account ledger 14 ... Account cancellation reservation status setting unit 16 ... Restriction presence / absence determination unit 17 ... Transaction suspension processing unit 18 ... Account cancellation approval request unit 20 ... Printing system 22 ... Check cash card attachment Box 23 ... Account number printing unit 24 ... Account cancellation necessary information printing unit 25 ... Approval information input unit 28 ... Approval information receiving unit 29 ... Cancellation processing unit 33 ... Electronic seal book 34 ... Cancellation approved account data storage unit

Claims (5)

An account cancellation processing system for canceling a cash card loan account that is provided in an Internet banking server device and is required to have the cash card returned or discarded when the account is canceled Because
It accepts a user account canceled reservations online input through a personal computer terminal, and account cancel the reservation acceptance means for setting the account cancellation reservation status in the cache card lending outlet seat that is referenced in the account number of the reservation,
Based on the fact that cancellation restrictions are not set for the user's cash card loan account related to the transaction reservation, a transaction stop flag is set for the cash card loan account and the transaction using the account is stopped Processing means;
Account cancellation confirmation information presenting means for generating account termination confirmation information for displaying at least a part of information on the cash card loan account to be canceled and a check box for confirming whether or not the cash card is attached , and outputting the information for presentation to the user When,
Accepting the approval information entered by the user for the account cancellation confirmation information, based on the approval information and the account cancellation reservation status attached to the cash card loan account referenced in the account cancellation confirmation information, An account cancellation processing means for canceling a cash card loan account referred to by an approved account number. The system of claim 1, wherein
The account cancellation confirmation information presenting means is for outputting the account cancellation information in a paper medium for offline presentation to the user,
The account cancellation processing unit accepts approval information entered offline by the user with respect to the account cancellation confirmation information. The account cancellation processing system according to claim 1,
The account cancellation confirmation information includes information on an account cancellation substitute money transfer account, the account cancellation processing system,
It further comprises an account cancellation fee transfer means for transferring the account cancellation fee to the money transfer account instead of the account cancellation specified by the user based on the approval information input by the user for the account cancellation confirmation information. Account cancellation processing system. The account cancellation processing system according to claim 1,
The account cancellation processing system further comprising: a restriction item presence / absence determination unit that cancels the account cancellation reservation status when the restriction item exists. The account cancellation processing system according to claim 4,
The account cancellation processing system characterized in that the restriction includes a case where there is a time deposit in the user's account.

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