JP6783335B2 - Account management devices, methods, programs, and systems - Google Patents

Description

The present invention relates to a technique for managing an account.

Conventionally, when an account is opened at a financial institution such as a bank, a paper passbook is issued. The date of deposit to the account, deposit amount, transaction details, date of withdrawal from the account, withdrawal amount, transaction details, balance, etc. (hereinafter, also referred to as deposit / withdrawal details / balance) are entered in the passbook.

Instead of such a paper passbook, a service that allows the user to browse the deposit / withdrawal details / balance of the account on the Internet is provided (Non-Patent Document 1).

Bank of Tokyo-Mitsubishi UFJ, "Eco Passbook / Eco Notification", [online], [Search January 17, 2019], Internet (URL: https://www.bk.mufg.jp/tsukau/eco_tsuchou/index.html )

However, in Non-Patent Document 1, only the account holder of the account can view the deposit / withdrawal details / balance of the account on the Internet. Therefore, if a person other than the account holder (for example, a family member) wants to check the deposit / withdrawal details / balance, he / she has no choice but to browse the paper passbook.

Therefore, an object of the present invention is to allow a person designated by the account holder to view the deposit / withdrawal details / balance of the account holder's account on the Internet.

One aspect of the present invention is an inquiry request acquisition unit that receives request data for a person designated by the account holder to inquire about the deposit / withdrawal details / balance of the account from the inquirer terminal, and the account holder designates the data. The inquiry availability determination unit that determines whether or not the person who makes the inquiry can inquire about the deposit / withdrawal details / balance of the account, and the deposit / withdrawal details / balance of the account if it is determined that the inquiry is possible. It includes a presenting unit that transmits data indicating a balance to the inquirer terminal.

According to the present invention, a person designated by the account holder can view the deposit / withdrawal details / balance of the account holder's account on the Internet.

It is a figure for demonstrating the outline of this invention. It is a block diagram of the whole of the account management system which concerns on one Embodiment of this invention. It is a functional block diagram of the account management apparatus which concerns on one Embodiment of this invention. This is an example of data stored in the referrer information storage unit according to the embodiment of the present invention. This is an example of data stored in the family information storage unit according to the embodiment of the present invention. This is an example of a screen displayed on the inquirer terminal and the account holder terminal according to the embodiment of the present invention. It is a sequence diagram which shows the registration process which concerns on one Embodiment of this invention. It is a sequence diagram which shows the cancellation process by the account holder which concerns on one Embodiment of this invention. It is a sequence diagram which shows the release process by the inquirer which concerns on one Embodiment of this invention. It is a flowchart which shows the deposit / withdrawal statement / balance inquiry processing which concerns on one Embodiment of this invention. It is a block diagram which shows the hardware structure of the account management apparatus which concerns on one Embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram for explaining an outline of the present invention. In the present invention, as shown in FIG. 1, the inquirer 2 (for example, the family of the account holder 3 of the account 1) browses the deposit / withdrawal details / balance of the account 1 on the Internet (hereinafter, also referred to as an inquiry). can do. On the other hand, the account holder 3 can perform arbitrary transactions with financial institutions such as transfers and transfers from account 1 on the Internet, not limited to inquiries about deposit / withdrawal details / balances of account 1. That is, the inquirer 2 can only inquire about the deposit / withdrawal details / balance of the Internet banking transactions of the account 1.

FIG. 2 is an overall configuration diagram of the account management system 100 according to the embodiment of the present invention. The account management system 100 includes an account management device 101, an inquirer terminal 102, and an account holder terminal 103. Each will be described below.

The account management device 101 is a device for presenting the deposit / withdrawal details / balance of an account opened at a financial institution such as a bank to a person designated by the account holder (for example, a family member, hereinafter also referred to as an inquirer). is there. The account management device 101 comprises one or more computers. The account management device 101 can send and receive data to and from the inquirer terminal 102 via an arbitrary network 104. In addition, the account management device 101 can send and receive data to and from the account holder terminal 103 via an arbitrary network 104. The account management device 101 will be described in detail later with reference to FIG.

The inquirer terminal 102 is a terminal used by the inquirer. The inquiry terminal 102 is a computer such as a personal computer, a tablet, or a smartphone. The inquiry terminal 102 can send and receive data to and from the account management device 101 via an arbitrary network 104. Specifically, the inquirer terminal 102 transmits the request data for requesting the inquiry of the deposit / withdrawal details / balance of the account holder's account to the account management device 101. Further, the inquirer terminal 102 receives data indicating the deposit / withdrawal details / balance of the account holder's account from the account management device 101 and displays it on a display means such as a display.

The account holder terminal 103 is a terminal used by the account holder. The account holder terminal 103 is a computer such as a personal computer, a tablet, or a smartphone. The account holder terminal 103 can send and receive data to and from the account management device 101 via an arbitrary network 104. Specifically, the account holder terminal 103 sends request data to the account management device 101 to execute a registration process for allowing the inquirer to inquire about the deposit / withdrawal details / balance of the account holder's account. Send. As described above, the account holder can perform any transaction (for example, transfer, transfer, etc.) with a financial institution on the Internet, not limited to the inquiry of the deposit / withdrawal details / balance of the account.

In this specification, the inquirer terminal 102 and the account holder terminal 103 are described as separate computers, but the inquirer terminal 102 and the account holder terminal 103 may be implemented on one computer. ..

FIG. 3 is a functional block diagram of the account management device 101 according to the embodiment of the present invention. The account management device 101 includes an account registration unit 201, an account cancellation unit 202, an inquiry request acquisition unit 203, an inquiry availability determination unit 204, a presentation unit 205, and an inquirer information storage unit 207. Further, the account management device 101 may be configured to include a family information management unit 206 and a family information storage unit 208. By executing the program, the account management device 101 functions as an account registration unit 201, an account cancellation unit 202, an inquiry request acquisition unit 203, an inquiry availability determination unit 204, and a presentation unit 205. In addition, the account management device 101 may be configured to function as the family information management unit 206 by executing the program. Each will be described below.

The account registration unit 201 executes a registration process for allowing the inquirer to inquire about the deposit / withdrawal details / balance of the account holder's account in response to the request from the account holder terminal 103. Specifically, the account registration unit 201 receives information data for identifying the account to be shown (that is, to be inquired) from the account holder terminal 103. The information for specifying the account to be shown is, for example, the name of the account holder of the account to be shown, the account information of the account to be shown (store number, type (ordinary / current), account number). Further, the account registration unit 201 receives information data for identifying the person to be shown (that is, the inquirer) from the account holder terminal 103. The information for identifying the person to be shown is, for example, the inquirer name and the account information (store number, type, account number) of the inquirer's account. The account registration unit 201 stores the information of the inquirer who can inquire the deposit / withdrawal details / balance of the account holder's account in the inquirer information storage unit 207.

The account registration unit 201 can register, for example, one inquirer as a person who can inquire about the deposit / withdrawal details / balance of the account holder's account. However, the account registration unit 201 may be configured to register a plurality of inquirers as a person who can inquire about the deposit / withdrawal details / balance of the account holder's account.

When the account registration unit 201 receives erroneous information (for example, the account number is incorrect) a predetermined number of times as information for identifying the person to be shown, the registration process is performed for a predetermined period (for example, on the day). Can also be configured so that

The inquirer information storage unit 207 stores information on a person (that is, an inquirer) who can inquire about the deposit / withdrawal details / balance of the account holder's account. The data stored in the inquirer information storage unit 207 will be described in detail with reference to FIG.

FIG. 4 is an example of the inquirer information 300 stored in the inquirer information storage unit 207 according to the embodiment of the present invention. As shown in FIG. 4, the inquirer information 300 includes, for example, the account holder name of the account, the account information (store number, type, account number) of the account, the inquiry availability of the account, and the deposit / withdrawal of the account. Includes data for items such as inquirer information that can inquire details and balances.

The "account holder name" is information (for example, name) for identifying the account holder of the account (that is, the account to be shown).

The "store number" is information for identifying the trading store of the account.

"Type" is the type of the account.

The "account number" is the account number of the account.

"Inquiry availability" stores information for determining whether or not it is permitted to have a person designated by the account holder inquire about the deposit / withdrawal details / balance of the account.

<Judgment method 1>
For example, in "Inquiry availability", information indicating whether or not the account has been registered in the service that allows the person designated by the account holder to inquire the deposit / withdrawal details / balance is stored, and if registered, the information of the account is stored. It may be determined that it is permissible to have a person designated by the account holder inquire about the deposit / withdrawal details / balance. In addition, information indicating whether or not the account has applied for the Internet banking service is stored in "Inquiry availability", and if it has been applied, the account holder specifies the deposit / withdrawal details / balance of the account. It may be determined that it is permissible to make an inquiry. Furthermore, in "Inquiry availability", information indicating whether or not the account has applied for a service that allows the account to view the deposit / withdrawal details / balance of the account on the Internet is stored, and if the application has been made, the information of the account is stored. It may be determined that it is permissible to have a person designated by the account holder inquire about the deposit / withdrawal details / balance.

<Judgment method 2>
For example, in "Inquiry availability", information indicating whether or not it is permissible to have a person designated by the account holder inquire about the deposit / withdrawal details / balance of the account is stored, and the deposit / withdrawal details / balance of the account are stored. May be determined whether or not it is permissible to have a person designated by the account holder inquire.

The "inquirer name" is information (for example, name) for identifying an inquirer who can inquire about the deposit / withdrawal details / balance of the account.

The "store number" is information for identifying the trading store of the inquirer's account.

The "type" is the type of the inquirer's account.

The "account number" is the account number of the inquirer's account.

Return to FIG. The account cancellation unit 202 executes a cancellation process for preventing the inquirer from inquiring the deposit / withdrawal details / balance of the account holder's account in response to a request from the account holder terminal 103 or the inquirer terminal 102. .. Hereinafter, <processing by the account holder> and <processing by the inquirer> will be described separately.

<Processing by account holder>
The account cancellation unit 202 receives data of information for identifying the account to be canceled (that is, preventing the inquirer from inquiring) from the account holder terminal 103. The information for specifying the account to be canceled is, for example, the name of the account holder of the account to be canceled and the account information (store number, type, account number) of the account to be canceled. In addition, the account cancellation unit 202 receives information data for identifying the inquirer to be canceled from the account holder terminal 103. The information for identifying the inquirer to be canceled is, for example, the inquirer name and the account information (store number, type, account number) of the inquirer's account. In the inquirer information 300 of the inquirer information storage unit 207, the account cancellation unit 202 indicates that the inquirer who requested the cancellation of the account requested to be canceled "inquiry availability (the account holds the deposit / withdrawal details / balance in the account name). Change "information indicating whether or not the service is registered to the service specified by a person)" from registered to deleted (or change "inquiry possible" from "possible" to "impossible").

<Processing by the inquirer>
The account cancellation unit 202 receives data of information for identifying the account to be canceled (that is, prevent the inquirer from making an inquiry) from the inquirer terminal 102. The information for specifying the account to be canceled is, for example, the name of the account holder of the account to be canceled and the account information (store number, type, account number) of the account to be canceled. In addition, the account cancellation unit 202 receives information data for identifying the inquirer to be canceled (that is, the person requesting the cancellation) from the inquiry terminal 102. The information for identifying the inquirer to be canceled is, for example, the inquirer name and the account information (store number, type, account number) of the inquirer's account. In the inquirer information 300 of the inquirer information storage unit 207, the account cancellation unit 202 indicates that the inquirer who requested the cancellation of the account requested to be canceled "inquiry availability (the account holds the deposit / withdrawal details / balance in the account name). Change "information indicating whether or not the service is registered to the service specified by a person)" from registered to deleted (or change "inquiry possible" from "possible" to "impossible").

In this way, the account holder can register to show his / her own account or cancel it so that his / her own account cannot be shown. Inquirers can also cancel the account shown by the account holder so that they do not see it.

The inquiry request acquisition unit 203, the inquiry availability determination unit 204, and the presentation unit 205 are inquiry processes for the inquirer to inquire about the deposit / withdrawal details / balance of the account holder's account in response to the request from the inquirer terminal 102. To execute. Each will be described below.

The inquiry request acquisition unit 203 receives request data for inquiring the deposit / withdrawal details / balance of the account holder's account from the inquirer terminal 102. Specifically, the inquiry request acquisition unit 203 receives information data for identifying the account to be inquired from the inquirer terminal 102. The information for specifying the account to be inquired is, for example, the account holder name of the account to be inquired and the account information (store number, type, account number) of the account to be inquired. In addition, the inquiry request acquisition unit 203 receives information data for identifying the inquirer (that is, the person who is trying to make an inquiry) from the inquirer terminal 102. The information for identifying the inquirer is, for example, the inquirer name and the account information (store number, type, account number) of the inquirer's account. The inquiry request acquisition unit 203 stores the acquired data in an arbitrary memory so that the inquiry availability determination unit 204 can refer to it.

The inquiry availability determination unit 204 determines whether or not the inquirer can inquire the deposit / withdrawal details / balance of the account holder's account based on the request acquired by the inquiry request acquisition unit 203. Specifically, the inquiry availability determination unit 204 refers to the inquirer information storage unit 207, and the inquirer specified by the request data acquired by the inquiry request acquisition unit 203 requests the inquiry request acquisition unit 203. Determine whether the deposit / withdrawal details / balance of the account specified in the data can be inquired. The inquiry possibility determination unit 204 stores the determination result in an arbitrary memory so that the presentation unit 205 can refer to it.

When the determination result by the inquiry availability determination unit 204 can be inquired, the presentation unit 205 transmits data indicating the deposit / withdrawal details / balance of the account holder's account to the inquirer terminal 102. Therefore, an inquirer who is not the account holder can view the deposit / withdrawal details / balance of the account holder's account.

<Management of family information>
The family information management unit 206 manages family information. Specifically, the family information management unit 206 responds to a request from the account holder terminal 103 or the inquirer terminal 102, and receives an account owned by each member of the family (that is, the account holder 3 in FIG. 1). An identifier for identifying the family is given to the information about the account and the account of one or more inquirers 2 in FIG. 1, and the information is stored in the family information storage unit 208.

The family information storage unit 208 stores family information. The data stored in the family information storage unit 208 will be described in detail with reference to FIG.

FIG. 5 is an example of the family information 400 stored in the family information storage unit 208 according to the embodiment of the present invention. As shown in FIG. 5, the family information 400 provides data on items such as the account holder and account information (store number, type, account number) of the account owned by each family member, for example. Including. In the example of FIG. 5, the family abc is a family consisting of A, B, C, and D.

The "family identifier" is information (identifier) for identifying a family.

The "account holder name" is information (for example, name) for identifying the account holder of the account of a person constituting the family.

"Account information" is the account information (store number, type, account number) of the accounts of the persons constituting the family.

FIG. 6 is an example of a screen displayed on the inquirer terminal 102 and the account holder terminal 103 according to the embodiment of the present invention. The presentation unit 205 of the account management device 101 can display a screen as shown in FIG. 6 on the inquirer terminal 102 or the account holder terminal 103.

As shown in FIG. 6, on the screen, information on the account to be shown (for example, one's own account to be shown to the family) and information on the person to show the account (for example, who in the family to show one's account) Is included (upper part of FIG. 6). In addition, the screen includes information on the account that one is looking at (for example, which account in the family is looking at) (middle of FIG. 6). As shown in the lower part of FIG. 6, the screen shall be configured to include information on family accounts (that is, both family accounts that one sees and family accounts that one does not see). You can also. The person who shows his / her account may be one person or a plurality of people. Also, the account you are looking at may be one account or a plurality of accounts.

As described above, in one embodiment of the present invention, the deposit / withdrawal details / balances of the accounts owned by each family member can be inquired from each other, and the status of whether or not the inquiry can be made can be easily confirmed.

FIG. 7 is a sequence diagram showing a registration process according to an embodiment of the present invention.

In step 101 (S101), the account holder terminal 103 requests the account management device 101 to execute a registration process for allowing the inquirer to inquire about the deposit / withdrawal details / balance of the account holder's account. Send data.

In step 102 (S102), the account management device 101 executes the registration process requested in S101.

In step 103 (S103), the inquirer registered in S102 can inquire about the deposit / withdrawal details / balance of the account holder's account.

FIG. 8 is a sequence diagram showing a cancellation process by the account holder according to the embodiment of the present invention.

In step 211 (S211), the account holder terminal 103 requests the account management device 101 to execute a cancellation process for preventing the inquirer from inquiring the deposit / withdrawal details / balance of the account holder's account. Send data.

In step 212 (S212), the account management device 101 executes the cancellation process requested in S211.

In step 213 (S213), the inquirer canceled in S212 cannot inquire about the deposit / withdrawal details / balance of the account holder's account.

FIG. 9 is a sequence diagram showing a release process by the inquirer according to the embodiment of the present invention.

In step 221 (S221), the inquirer terminal 102 requests the account management device 101 to execute a cancellation process for preventing the inquirer from inquiring the deposit / withdrawal details / balance of the account holder's account. To send.

In step 222 (S222), the account management device 101 executes the cancellation process requested in S221.

In step 223 (S223), the inquirer canceled in S222 cannot inquire about the deposit / withdrawal details / balance of the account holder's account.

FIG. 10 is a flowchart showing a deposit / withdrawal detail / balance inquiry process according to an embodiment of the present invention.

In step 301 (S301), the inquiry request acquisition unit 203 receives the request data requesting the inquiry of the deposit / withdrawal details / balance of the account holder's account from the inquirer terminal 102.

In step 302 (S302), the inquiry availability determination unit 204 determines whether or not the inquiry requested in S301 is possible. If possible, proceed to step 303, and if not, proceed to step 304.

In step 303 (S303), the presentation unit 205 transmits data indicating the deposit / withdrawal details / balance of the account holder's account requested in S301 to the inquirer terminal 102.

In step 304 (S304), the presenting unit 205 notifies the inquirer terminal 102 of an error that the inquiry is impossible.

FIG. 11 is a block diagram showing a hardware configuration of the account management device 101 according to the embodiment of the present invention. The account management device 101 has a CPU (Central Processing Unit) 1, a ROM (Read Only Memory) 2, and a RAM (Random Access Memory) 3. The CPU 1, ROM 2, and RAM 3 form a so-called computer.

Further, the account management device 101 includes an auxiliary storage device 4, a display device 5, an operation device 6, an I / F (Interface) device 7, and a drive device 8. The hardware of the account management device 101 is connected to each other via the bus 9.

The CPU 1 is an arithmetic device that executes various programs installed in the auxiliary storage device 4.

ROM 2 is a non-volatile memory. The ROM 2 functions as a main storage device for storing various programs, data, and the like necessary for the CPU 1 to execute various programs installed in the auxiliary storage device 4. Specifically, the ROM 2 functions as a main memory device for storing boot programs such as BIOS (Basic Input / Output System) and EFI (Extensible Firmware Interface).

The RAM 3 is a volatile memory such as a DRAM (Dynamic Random Access Memory) or a SRAM (Static Random Access Memory). The RAM 3 functions as a main storage device that provides a work area that is expanded when various programs installed in the auxiliary storage device 4 are executed by the CPU 1.

The auxiliary storage device 4 is an auxiliary storage device that stores various programs and information used when various programs are executed.

The display device 5 is a display device that displays the internal state and the like of the account management device 101.

The operation device 6 is an input device in which the administrator of the account management device 101 inputs various instructions to the account management device 101.

The I / F device 7 is a communication device for connecting to the network 104 and communicating with the inquirer terminal 102 and the account holder terminal 103.

The drive device 8 is a device for setting the storage medium 10. The storage medium 10 referred to here includes a medium such as a CD-ROM, a flexible disk, a magneto-optical disk, or the like that optically, electrically, or magnetically records information. Further, the storage medium 10 may include a semiconductor memory for electrically recording information such as an EPROM (Erasable Programmable Read Only Memory) and a flash memory.

The various programs installed in the auxiliary storage device 4 are installed, for example, by setting the distributed storage medium 10 in the drive device 8 and reading the various programs recorded in the storage medium 10 by the drive device 8. Will be done. Alternatively, the various programs installed in the auxiliary storage device 4 may be installed by being downloaded from another network different from the network 104 via the I / F device 7.

Although the examples of the present invention have been described in detail above, the present invention is not limited to the above-mentioned specific embodiments, and various modifications are made within the scope of the gist of the present invention described in the claims.・ Can be changed.

1 Account 2 Inquirer 3 Account holder 100 Account management system 101 Account management device 102 Inquirer terminal 103 Account holder terminal 104 Network 201 Account registration unit 202 Account cancellation unit 203 Inquiry request acquisition unit 204 Inquiry availability judgment unit 205 Presentation unit 206 Family information management unit 207 Inquirer information storage unit 208 Family information storage unit 300 Inquirer information 400 Family information

Claims (7)

Inquiry request acquisition unit that receives request data from the inquirer terminal requesting that the person designated by the account holder inquire about the deposit / withdrawal details / balance of the account.
An inquiry availability determination unit that determines whether or not a person designated by the account holder can inquire about the deposit / withdrawal details / balance of the account.
When it is determined that the inquiry is possible, a presentation unit for transmitting data indicating the deposit / withdrawal details / balance of the account to the inquirer terminal is provided.
The presentation unit can inquire about the deposit / withdrawal details / balance of the account holder's account in response to a request from the account holder, and the inquirer's information and the account holder's deposit / withdrawal details / balance. An account management device that displays a screen containing account information that allows you to inquire about your balance . The account management device according to claim 1, further comprising a family information management unit for managing the accounts owned by the persons constituting the family for each family. In response to a request from the account holder terminal, the account registration unit that executes the registration process to allow the person designated by the account holder to inquire the deposit / withdrawal details / balance of the account holder's account is further added. The account management device according to claim 1 or 2 , provided. In response to a request from the account holder terminal or the inquirer terminal, a cancellation process is executed to prevent a person designated by the account holder from inquiring the deposit / withdrawal details / balance of the account holder's account. The account management device according to claim 3 , further comprising an account cancellation unit. The method that the account management device performs,
A step of receiving request data from the inquirer terminal requesting that the person designated by the account holder inquire about the deposit / withdrawal details / balance of the account, and
A step of determining whether or not a person designated by the account holder can inquire about the deposit / withdrawal details / balance of the account, and
If it is determined that the it is possible to query the steps of the data indicating the withdrawal specification, the balance of the account, and transmits to the inquirer terminal,
Inquiry information of the inquirer who can inquire the deposit / withdrawal details / balance of the account holder's account and the account holder inquires the deposit / withdrawal details / balance in response to the request from the account holder. A method that includes account information and steps to display a screen that includes. Inquiry request acquisition unit, which receives request data from the inquirer terminal requesting that the person designated by the account holder inquire the computer for the deposit / withdrawal details / balance of the account.
Inquiry availability determination unit, which determines whether or not a person designated by the account holder can inquire about the deposit / withdrawal details / balance of the account.
When it is determined that the inquiry is possible, the data indicating the deposit / withdrawal details / balance of the account is made to function as a presenting unit for transmitting to the inquirer terminal .
The presentation unit can inquire about the deposit / withdrawal details / balance of the account holder's account in response to a request from the account holder, and the inquirer's information and the account holder's deposit / withdrawal details / balance. A program that displays a screen containing account information, which allows you to inquire about your balance . An account management system that includes an account management device and an inquirer terminal.
The account management device is
An inquiry request acquisition unit that receives request data from the inquirer terminal requesting that a person designated by the account holder inquire about the deposit / withdrawal details / balance of the account.
An inquiry availability determination unit that determines whether or not a person designated by the account holder can inquire about the deposit / withdrawal details / balance of the account.
When it is determined that the inquiry is possible, a presentation unit for transmitting data indicating the deposit / withdrawal details / balance of the account to the inquirer terminal is provided.
The presentation unit can inquire about the deposit / withdrawal details / balance of the account holder's account in response to a request from the account holder, and the inquirer's information and the account holder's deposit / withdrawal details / balance. Display a screen containing account information that allows you to inquire about your balance,
The inquirer terminal is
The request data is transmitted to the account management device, and the request data is transmitted.
An account management system that receives data indicating deposit / withdrawal details / balance of the account from the account management device.

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