JP2003316951A - System and method for electronic banking, program for running the method by computer, and recording medium having the program recorded therein - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To finely set an authority for each person in charge of a company in an electronic banking service for company. <P>SOLUTION: When a transfer request operation is performed by a customer terminal 14 (S108), a banking server 10 determines by referring to an authority database having the authorities on the transfer requests of the persons in charge recorded therein for each account of customer companies whether or not the contents of the transfer request are within the authority on the transfer request of a transfer requester (S112). When the contents are within the authority, the presence or absence of an approver for the transfer requester is determined (S118). When the approver is set, an approval request mail is transmitted to the approver (S124). When the approver performs an approval operation (S144), the status of transfer request data is set to 'run permit' (S150) and, based on the transfer request data of 'transfer permit', a transfer is performed at a designated run date. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system, method and method for providing an electronic banking service to a company.
The present invention relates to a program that causes a computer to execute this method, and a recording medium that records this program.

[0002]

[Prior Art] Electronic banking services for companies are
It is possible to access various servers related to financial transactions such as transfer of funds and inquiry of transaction details electronically by accessing a server on the bank side from a terminal installed on the company side. In a company that has signed a contract for such an electronic banking service with a financial institution, various persons in charge perform operations for the above-described various processes at the terminal. By the way, it is usual that each person in charge in a company has the authority of processing that can be executed regarding the financial transaction of the company according to the department to which he / she belongs, the position, etc. For example, one employee is not authorized to make a transfer request and can only inquire about transaction details, another employee needs the approval of his boss to make a transfer request, and another employee is a boss etc. It is possible to make a transfer request without approval. Therefore, even when using the electronic banking service, it is desirable to be able to set the authority of processing that can be executed by each person in charge.

[0003]

In view of this, there is a service in the conventional electronic banking service in which it is possible to roughly set the presence or absence of authority for each process such as whether or not to inquire about the balance and whether or not to transfer funds. However, there has not been provided a service capable of setting the authority for each person in charge for each type of service, such as the authority for inquiry of account balance and the authority for inquiry of details. Further, there has not been provided a service that can set a detailed authority for a transfer request, such as setting an upper limit on the amount of money that can be requested by the person in charge or setting an approver for the transfer request. For this reason,
For example, if you set the authority so that a person who does not have the authority to make a transfer request but has the authority to make a balance inquiry cannot make a money transfer request, this person will not be able to make a balance inquiry that he or she should have. , Was inconvenient for the customer.

[0004] Further, a company generally uses a plurality of accounts for transactions, but conventionally, as described above, it is possible to set the presence or absence of authority for each processing such as balance inquiry and fund transfer. However, the setting was common to multiple accounts. However, in a company, it is often necessary to set the authority separately for each account, for example, when a different account is used for each department. In the past, in such a case, it was inconvenient to make a contract with a financial institution for each account.

As described above, the conventional electronic banking service does not have a sufficient function of setting the authority for each person in charge, and it cannot be said that it is sufficiently easy for the client company to use.

The present invention has been made in view of the above points, and it is an object of the present invention to provide an electronic banking service which enables a customer to more finely set the authority of each person in charge. More specifically, the first purpose of the electronic banking service is to enable detailed setting of authority for each service such as transfer request, account balance / details inquiry, etc. for each person in charge of the customer. The second purpose is to be able to separately set the authority of each person in charge for each account.

[0007]

In order to achieve the above object, the present invention is a system for providing an electronic banking service to a customer, and is a request receiving means for receiving a processing request from a terminal of the customer. And referring to the database in which the authority information indicating the authority of processing by the electronic banking service for each person in charge of the customer is recorded for each type of processing request, the person in charge who issued the processing request Authority information acquisition means for acquiring the authority information about the type; determination means for determining whether or not the content of the received processing request is within the authority range represented by the acquired authority information; When the determination means determines that the processing is within the range of authority, the execution permission means for permitting the execution of the processing according to the processing request is provided.

According to the present invention, for each person in charge, the contents of the received transfer request are referred to by the sender by referring to the database in which the authority information for each type of transfer request is recorded. For example, when it is determined that the user is within the processing authority for a transfer request, a balance inquiry, a statement inquiry, and the like), the execution of the processing according to the processing request is permitted. Therefore, according to the present invention, based on the transfer authorization information recorded in the database, for each person in charge of the customer,
The authority setting for each service such as transfer request, balance inquiry and statement inquiry can be performed in detail.

In order to achieve the above-mentioned object, the present invention is a system for providing an electronic banking service to a customer, and a request receiving means for receiving a transfer request from a customer's terminal and each person in charge of the customer. An authority information acquisition unit for acquiring the transfer authority information of the person who issued the transfer request by referring to a database in which transfer authority information representing the authority related to the transfer request by the electronic banking service is recorded. Judgment means for judging whether or not the content of the transfer request is within the range of the authority represented by the acquired transfer authority information, and the transfer request when the judgment means judges within the range of the authority. And an execution permitting unit that permits the execution of the transfer according to the above.

According to the present invention, referring to the database in which the transfer authority information is recorded for each person in charge, when it is determined that the content of the received transfer request is within the processing authority of the sender, the transfer is made. Allow execution. Therefore, according to the present invention, based on the transfer authorization information recorded in the above-mentioned database, it is possible to make detailed authorization settings relating to the transfer request for each person in charge of the customer.

Further, the present invention is a system for providing an electronic banking service to a customer, the request receiving means for receiving a processing request from the customer's terminal, and the electronic banking service for each person in charge of the customer. The authority to acquire the authority information regarding the account that is the target of the processing request of the person who issued the processing request by referring to the database in which the authority information indicating the processing authority is recorded for each account of the customer. Information acquisition means, determination means for determining whether or not the content of the received processing request is within the range of authority represented by the acquired authority information, and the determination means determines within the range of authority. In this case, the processing request is provided with an execution permission unit for permitting the transfer execution.

According to the present invention, the contents of the received processing request are processed by the sender for the target account of the request by referring to the database in which the transfer authorization information for each person in charge is recorded for each customer's account. When it is determined to be within the authority, execution of the process according to the process request is permitted. Therefore, according to the present invention, based on the transfer authorization information recorded in the above-mentioned database, it is possible to separately set the authorization relating to the processing request of each person in charge for each account held by the client company.

In this case, the processing request is, for example, a balance inquiry for inquiring the deposit balance of the account at the customer's terminal,
It may be selected from a plurality of types of processing requests including at least one of a detail inquiry for inquiring a deposit / withdrawal history of an account, a transfer history inquiry for inquiring a transfer history, and a transfer request.

Further, the processing request may be selected from one or a plurality of types of processing including at least a transfer request at the customer's terminal, and in this case, the authority information is a transfer request. It is also possible to include transfer authorization information indicating the authorization concerned.

Further, the transfer authorization information may include upper limit amount information representing an upper limit amount of the transfer request amount. In this case, the upper limit amount information is the upper limit amount per one transfer request, and At least one of the upper limits of the total amount of daily transfer requests may be represented.

Further, the transfer authorization information may include approval necessity information indicating whether approval is required when making a transfer request, and approver information indicating an approver when approval is required. .

Further, in the system of the present invention, when the receiving means receives the transfer request, it is determined that the person in charge of issuing the transfer request needs approval for the transfer request based on the approval necessity information. In the case of, the means to identify the approver for the person in charge based on the approver information,
An approval accepting unit that accepts the approval of the transfer request from the identified approver, wherein the execution permission unit is a transfer requester based on the approval necessity information for the person who has transmitted the received transfer request. If it is determined that the approval is required, the execution of the transfer according to the transfer request may be permitted on the condition that the approval is accepted by the approval receiving unit for the transfer request.

In this way, when approval of the transfer request is necessary, the transfer execution is permitted on condition that the approver set for the sender of the transfer request has approved the transfer request. It is possible to prevent the transfer from being executed without obtaining the approval of the person.

In this case, the transfer authority information includes approval authority information indicating approval authority when each person in charge approves the transfer request as an approver, and the approval receiving means approves based on the approval authority information. If it is determined that the content of the target transfer request is within the approval authority of the approver, the approval may be accepted. This makes it possible to set the approval authority of each person in charge as an approver.

Further, it is possible to provide a means for transmitting an electronic mail requesting approval to the specified approver. In this way, the approver can prompt the approver for approval by sending an approval request email.
It is possible to smoothly advance the flow of business from the transfer request to the approval and then the transfer.

Further, the transfer request includes information indicating a transfer execution designated date, and if approval from the specified approver is not accepted even at a predetermined time before the transfer execution designated date of the transfer request. A means for sending an approval request e-mail to the approver may be provided. By doing this, if the approver does not approve even at the predetermined time (for example, 2 days before) the transfer execution designated date, the e-mail is sent again, so that the approver approves. If you have forgotten, you can call the attention of the approver.

[0022]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an overall configuration diagram of a system which is an embodiment of the present invention. The system of the present embodiment provides an electronic banking service to a company (hereinafter referred to as a customer company) that has a contract with a financial institution in advance.

As shown in FIG. 1, the system of this embodiment includes a banking server 10 managed by a financial institution. The banking server 10 has a terminal computer (hereinafter referred to as a customer terminal) that can be operated by an employee of a customer company (only the customer company A is shown in FIG. 1) via a network 12 such as the Internet.
14 is connected. The banking server 10 and the terminal computer 14 can communicate with each other using a known encrypted communication technique such as SSL. However,
The banking server 10 and the terminal computer 14 may be connected via a dedicated telephone line. Further, the banking server 10 is connected to a host computer 18 that manages an account of a financial institution, and the banking server 10 can send a transfer execution instruction to the host computer 18. In this embodiment, the server 1
0 and the host computer 18 are provided separately, but the present invention is not limited to this, and the function of the server 10 may be realized as a part of the function of the host computer 18.

The banking server 10 is provided with databases such as a customer database 20, a person in charge database 22, an authority database 24, and a transfer request database 26.

FIG. 2 shows an example of the data structure of the customer database 20. As shown in the figure, the customer database 2
0 indicates a company ID, a company name, a location, transaction account information (a branch office code, a deposit type, and an account number for each account owned by the customer company), a transfer destination account information (as a transfer destination account) for each customer company. The bank code, branch code, deposit type, and account number) of the preset account are recorded.

FIG. 3 shows the data structure of the person-in-charge database 22. As shown in FIG.
In 2, the person in charge, password, name, department, mail address, etc. of each person in charge is recorded for each customer company.

FIG. 4 shows an example of the data structure of the authority database 24. As shown in the figure, the authority database 2
In 4, information about the processing authority given to each person in charge (hereinafter referred to as authority information) is recorded for each account of each customer company. As the authority information, for example, balance inquiries, statement inquiries, permission / inhibition of each transfer transfer collation table, authority contents regarding a transfer request, and authority contents regarding transfer approval are registered.

[0028] The balance inquiry and the detail inquiry refer to the account balance and the deposit / withdrawal history of the account, respectively, and the transfer transfer verification table is the transfer / transfer history (execution date, transfer source) from the account. It means to inquire a transfer / transfer check table showing the account, transfer amount, transfer account, recipient name, etc.). It should be noted that although transfer means transfer of funds between accounts of different financial institutions and transfer means transfer of funds between accounts of the same financial institution, it is common in that it transfers funds between accounts. Since there is no change in the processing content of the banking server 10, the transfer of funds between accounts is referred to as “transfer” in this specification without making a distinction between transfer and transfer.

Further, the authority regarding the transfer request is divided into the maximum amount of transfer request per day, the maximum amount of transfer request per day, approval necessity, and approver for each of the pre-registered destination and the designated destination each time. Has been done. Here, the pre-registration destination is the customer database 20 described above for each customer company.
Means a transfer request to an account registered as a transfer destination in
Also, the “designation destination each time” means a transfer request that designates a transfer destination account each time. In addition, in the item of the maximum amount, in addition to the specific amount, there is no authority to request the transfer (that is, the upper limit is “0”) and there is no limit on the upper limit (the amount of the transfer request is unlimited). Can also be set. The approval necessity indicates whether or not the transfer request requires approval, and the approver indicates one or two or more approvers when the approval is required. That is, when the person in charge requires approval from the boss or the like when making a transfer request, the person in charge ID of the person who has made the approval is registered as an approver.

The authority regarding transfer approval is the authority to approve a transfer request as described above, and as in the case of the authority regarding a transfer request, the pre-registration destination and the designated destination each time are assigned per day. It is divided into the maximum amount of transfer requests that can be approved and the maximum amount of transfer requests that can be approved at one time.

A person in charge of access to the authority database 24 is defined for each customer company, and the person in charge logs in to the banking server 10 with a dedicated password. The contents of can be set and changed. However, depending on the application from the client company,
The contents of the authority database 24 may be set / changed on the financial institution side.

FIG. 5 shows an example of the data structure of the transfer request database 26. As shown in the figure, in the transfer request database 26, for each client company, for each transfer request,
Receipt number, transfer requester ID, transfer source account information,
The transfer request amount, transfer destination account information, transfer designated date, status (“waiting for approval”, “execution permission”, etc.) and the person-in-charge ID of each approver are recorded.

The contents of the processing in this embodiment will be described below. FIG. 6 is a diagram showing a flow of processing when a transfer request is made in the present embodiment. As shown in the figure, when a company ID, a person-in-charge ID, a login password, etc. are entered on the login screen of the customer terminal 14 to perform a login operation (S100), the entered company ID,
The person-in-charge ID and password are transmitted to the banking server 10 (S102). The banking server 10 authenticates the user based on the login information (S104).
Then, the transaction screen is transmitted to the customer terminal 14 (S106).

FIG. 7 shows an example of the transaction screen. As shown in FIG. 7, in the transaction screen, “transfer / transfer”, “balance inquiry”, “details inquiry”, “transfer / transfer collation table”, “approval / transfer”
A menu item 50 such as "Application change" is included. In addition, in the example of FIG. 7, it is assumed that the logged-in person has all the authority of transfer application, balance inquiry, statement inquiry, transfer / transfer collation table, and transfer approval, and menu items 50 corresponding to these are shown. There is. That is, the banking server 10 acquires the authority information of the person in charge who has logged in by referring to the authority database 24, and includes the menu item 50 corresponding to the authority in the transaction screen and transmits it to the customer terminal 14. For example, if a person in charge who does not have the authority to request a transfer for any account logs in, menu item 5
0 does not include "transfer / transfer". However,
It is also possible to display the menu of the process not having the authority on the screen and, when this menu is selected, display a message indicating that the user does not have the authority to prohibit the operation from continuing.

FIG. 7 shows a transaction screen (hereinafter referred to as a transfer request input screen) in a state where the "transfer / transfer" menu is selected in the menu item 50. As shown in the figure, the withdrawal account input field 6 is displayed on the transfer request input screen.
0, a transfer designated date input field 62, and a transfer destination input field 64 are provided.

In the withdrawal account input field 60, the person in charge can select and input from an account that has the authority to apply for transfer.
That is, when creating the transfer request input screen, the banking server 10 refers to the authority database 24, extracts the accounts for which the person in charge has the authority to make the transfer request, and attaches them as input candidates for the withdrawal account input field 60. Let

Further, in the designated transfer date input field 62, a date within a predetermined period from the current date can be selectively input. That is, in the service of this system, the transfer can be reserved within a fixed period in the future (for example, 10 days).

The transfer destination input field 64 includes a pre-registration destination input field 64a for designating a transfer destination account from the pre-registered accounts.
Each time the transfer destination account is specified, the specified destination input field 64b
It is divided into and, and you can enter the amount of money to be transferred.

The contents of the transfer request are entered in the respective input fields 60 to 64, and the "OK" button 66 is clicked (S10).
8), the input content is transmitted to the banking server 10 as transfer request data (S110).

The banking server 10 includes the customer terminal 14
It is determined whether or not the transfer request data transmitted from is within the transfer authority of the person in charge (S112). Specifically, the banking server 10 collects the transfer request amount in the pre-registration destination input field 54a and the transfer request amount in the designated destination input field 54b for each person for each day. If the total amount of these exceeds the upper limit amounts of the pre-registered destination and the designated destination registered in the authority database 24, it is determined that the person is not authorized. Further, the banking server 10 calculates the total requested amount of money in the pre-registration destination input field 54a and the designated destination input field 54b each time, and when the amount exceeds the maximum amount per case registered in the authority database 24. Is also judged to be out of authority. When it is determined that the user is out of authority, an error message screen to that effect is transmitted to the customer terminal 14 (S114).

On the other hand, if it is within the authority of the transfer request, the banking server 10 determines whether or not the approver is registered in the authority database 24 for the person in charge (S116). As a result, if the approver is registered,
For each approver, refer to the authority database 24 1
The approval upper limit amount per case is acquired, and it is determined whether or not the approval upper limit amount per case of at least one approver is equal to or more than the transfer request amount (S118). Then, when the approval upper limit amount of at least one approver is equal to or more than the transfer request amount, a unique receipt number is assigned to the transfer request data, the status is set to “waiting for approval”, and the transfer request database 26
(S120). At that time, the person-in-charge ID of the approver whose approval upper limit is equal to or more than the transfer request amount is set as the approver of the transfer request data. On the other hand, for all approvers, when the transfer request amount exceeds the approval upper limit amount per case, an error message indicating that the transfer request amount exceeds the approval authority of the approver is transmitted to the customer terminal 14. (S1
22).

Next, the banking server 10 refers to the person-in-charge database 22 to obtain the e-mail address of the person who is set as the approver in the transfer request data, and sends the e-mail ( Hereinafter, the approval request mail will be transmitted (S124). The approver who received the approval request mail accesses the banking server 10 from the customer terminal 14 and logs in (S12).
6) In response, the banking server 10 authenticates the user with the ID and password (S128), and then transmits the transaction screen to the customer terminal 14 (S130).

FIG. 8 is a screen displayed when the "approve / change application" menu is selected on the transaction screen (hereinafter,
An example of the approval menu screen). As shown in FIG. 8, the approval menu screen displays the number of transfer requests waiting for approval. That is, the banking server 10
When the "approve / change application" menu is selected, the transfer request database 26 is referenced, and the transfer request data in which the status is "waiting for approval" and the logged-in person is set as the approver is extracted. Then, the approval screen including the number is generated and transmitted to the customer terminal 14.

When the "transfer / transfer" display is clicked on this approval menu screen (S132), a screen for displaying a list of transfer requests waiting for approval based on the transfer request data extracted as described above (hereinafter, Create an approval waiting list screen (S134) and send it to the customer terminal 14 (S1).
36).

FIG. 9 shows an example of the approval waiting list screen.
As shown in the figure, on the approval waiting list screen, a list of transfer request data whose status is “waiting for approval” is displayed.
A "select" button is displayed corresponding to each transfer request data. When the “select” button is clicked on any of the transfer requests (S138), the banking server 10
Creates a screen (approval execution screen) for displaying the detailed contents of the relevant transfer request data (S140), and the customer terminal 1
4 (S142).

FIG. 10 shows an example of the approval execution screen. As shown in the figure, the details of the transfer request data are displayed on the approval execution screen. After confirming the transfer request details on this screen, the approver clicks the "Yes" button of "Are you sure to approve this transfer?" When approving the transfer request (S144). Banking server 10 accordingly
Determines whether the approved transfer request is within the transfer approval authority of the approver (S146).
Specifically, as in the case of the authority determination (S112) regarding the approval application, the banking server 10 determines the amount of the transfer request for which the person in charge has approved the transfer, for each day of the pre-registration destination and the designated destination each day. When the total amount of these approver approvals exceeds the maximum amount of transfer approval registered in the authority database 24, it is determined that the person is not authorized. When it is determined that the user is out of authority, an error message screen to that effect is transmitted to the customer terminal 14 (S148). On the other hand, if it is within the authorization of the transfer approval, the status of the transfer request data for which the approval operation has been performed is set to “execution permission” (S150). Then, an e-mail (approval notification mail) stating that the transfer request line has been approved
It is sent to the person who made the transfer request and the person set as the approver in the transfer request data (S
152). However, the determination as to whether or not the user is within the authorization for transfer approval may be made at the time when the transfer request data is selected on the approval waiting list screen.

At the bottom of the approval waiting list screen shown in FIG. 9, approved transfer request data is displayed in a list. By clicking the “select” button, the contents can be confirmed and the approval contents can be changed. You can do

Further, when the approver is not registered in S116 (in the case of the transfer request by the approval authority himself)
Records the transfer request data in the transfer request database 26 with the status "execution permitted" (S154),
An approval notification mail is sent to the person in charge who sent the transfer request (S152).

When the person in charge of the customer company who has received this mail logs in to the banking server 10 and selects the "transfer / transfer" menu on the transaction screen (S156), the banking server 10 is as shown in FIG. A transfer request completion screen is created (S158) and transmitted to the customer terminal 14 (S160). From the transfer request completion screen, the person in charge of the customer company can confirm that the transfer request has been accepted after the necessary approval.

The banking server 10 transmits a transfer execution instruction to the host computer 18 so that the transfer request data whose status is "execution permitted" as described above is executed on the designated transfer day. .

Further, the banking server 10 approves the transfer request data whose status remains "waiting for approval" despite the transfer transfer date approaching (for example, two days before the transfer transfer date). Send the approval request email again to. As a result, even if the approver forgets that the approval operation should be performed, the approval operation is surely performed by the notification from the system.

When the "balance inquiry" menu is selected in the menu item 50 (FIG. 7) of the transaction screen, the banking server 10 determines that the authority database 26
Referring to, the person in charge extracts the account for which the person in charge has the authority to inquire about the balance, and inquires the host computer 18 about the deposit balance of the account. Then, a balance display screen for displaying the deposit balance notified from the host computer is created and transmitted to the customer terminal 14. This allows the person in charge to inquire about the balance of the account for which he / she has the authority to inquire about the balance.

Also, when the “details inquiry” menu is selected in the menu item 50, the banking server 10 refers to the authority database 26 and extracts the account for which the person in charge has the authority to inquire details, Inquire the deposit / withdrawal history of the account to the host computer.
Then, a transaction statement screen for displaying the deposit / withdrawal history notified from the host computer 18 is generated, and the customer terminal 14
Send to. Thereby, the person in charge can inquire about the transaction details for the account for which he / she has the authority to inquire about the details.

Further, when the "transfer / transfer check table" menu is selected in the menu item 50, similarly,
The banking server 10 refers to the authority database 26, extracts the account for which the person in charge has the inquiry authority of the transfer / verification table, and inquires the host computer 18 of the transaction details of the account. Then, a transfer transfer collation table screen displaying the transfer / transfer collation table notified from the host computer 18 is generated and transmitted to the customer terminal 14.
Thereby, the person in charge can inquire the transfer / transfer collation table for an account for which he / she has the authority to inquire the transfer / transfer collation table.

As described above, according to the system of this embodiment, for each account of the customer company, for each person in charge,
You can set the processing authority for each of balance inquiry, statement inquiry, transfer / transfer matching table inquiry, and transfer request.For transfer requests, the transfer request upper limit amount, approver, approval person approval upper limit amount, etc. can be set. Items can be set. Therefore, according to the present embodiment, it becomes possible to perform finer authority setting for the transfer request than before, and the ease of use of the electronic banking service for the client company is improved.

Since the authority of each person in charge can be set separately for each account held by the customer company, the authority of each person in charge can be set depending on the account when the customer company uses different accounts for each department. When you want to change your bank account, you no longer have to enter into a contract with a financial institution for each account as before, and in this sense, the convenience of electronic banking services will increase.

If an approver is set for the person in charge of making the transfer request, an approval request mail can be sent to the approver to prompt the approval operation. Therefore, it is possible to prevent a situation in which the approver does not notice that there is a transfer request to be approved, and it is possible to smoothly proceed the processing flow from the transfer request to the approval and then the transfer. Become. In addition, even if the designated transfer date is imminent and the approver forgets and the transfer approval is not performed, the approval request email is sent to the approver again to call the approver's attention. It is possible to make sure the approval operation is performed.

In the above-described embodiment, when a plurality of approvers are set for the person in charge of the transfer request, if the approval of any one of the approvers is obtained, the transfer The execution is allowed. However, the present invention is not limited to this, and for example, a plurality of approvers may be ordered, and the transfer may be permitted when approval is obtained from all the approvers according to the order. For example, when the first, second, and third approvers A, B, and C are set, first, an approval request mail is transmitted to the first approver A, and approval by the approver A is accepted. Then second
When the approval request mail is sent to the approver B of Approval B, and the approval by the approver B is accepted, the approval request mail is then sent to the third approver C, and when the approval by the approver C is accepted, the transfer is made. The status of the request data is set to "execute permission".

Further, in the above embodiment, an electronic mail such as an approval request mail is transmitted from the banking server 10 to the customer terminal 14, but in order to prevent a spoofing mail by another person or a business mess due to a falsification mail, for example, It is preferable to use encrypted mail such as secure mail.

[0060]

As described above, according to the present invention, it is possible to provide a highly convenient electronic banking service that enables a customer company to more finely set the authority of each person in charge.

[Brief description of drawings]

FIG. 1 is an overall configuration diagram of a system that is an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a data structure of a customer database.

FIG. 3 is a diagram showing a data configuration of a person-in-charge database.

FIG. 4 is a diagram showing an example of a data structure of an authority database.

FIG. 5 is a diagram showing an example of a data structure of a transfer request database.

FIG. 6 is a diagram showing a flow of processing when a transfer request is made in the present embodiment.

FIG. 7 is a diagram showing an example of a transaction screen.

FIG. 8 is a diagram showing an example of an approval menu screen.

FIG. 9 is a diagram showing an example of an approval waiting list screen.

FIG. 10 is a diagram showing an example of an approval execution screen.

FIG. 11 is a diagram showing an example of a transfer request completion screen.

[Explanation of symbols]

10 banking servers 14 Customer terminal 20 Customer database 22 Personnel database 24 authority database 26 Transfer Request Database

Claims (27)

[Claims] 1. A system for providing an electronic banking service to a customer, comprising a request receiving means for receiving a processing request from a terminal of the customer, and an authority of processing by the electronic banking service for each person in charge of the customer. Authority information indicating means for acquiring the authority information according to the type of the processing request of the person who has transmitted the processing request, by referring to a database in which the authority information indicating the type of processing request is recorded. Determination means for determining whether or not the content of the received processing request is within the range of authority represented by the acquired authority information, and the processing if the determination means determines within the range of authority A system comprising: an execution permitting unit that permits execution of a process according to a request. 2. A system for providing an electronic banking service to a customer, comprising a request receiving means for receiving a transfer request from a customer's terminal, and a transfer request by the electronic banking service for each person in charge of the customer. An authority information acquisition unit that acquires the transfer authority information of the person in charge who issued the transfer request by referring to a database in which the transfer authority information indicating the authority concerned is recorded, and the content of the transfer request is the acquired transfer Judgment means for judging whether or not it is within the range of authority represented by the authority information, and when the judgment means judges that it is within the range of authority, execution for permitting the execution of the transfer according to the transfer request A system comprising: a permitting unit. 3. A system for providing an electronic banking service to a customer, comprising a request receiving means for receiving a processing request from a terminal of the customer, and an authority of processing by the electronic banking service for each person in charge of the customer. Authority information indicating means for obtaining the authority information of the person in charge of the processing request, which refers to the database in which the authority information indicating If the content of the received processing request is within the range of authority represented by the acquired authority information, and if the determination means determines within the range of authority, A system comprising: an execution permission unit that permits the transfer execution to the processing request. 4. The system according to claim 3, wherein the processing request is a customer terminal, a balance inquiry for inquiring a deposit balance of an account, a detail inquiry for inquiring a deposit / withdrawal history of an account, and a transfer for inquiring a transfer history. A system characterized by being selected from a plurality of types of processing requests including at least one of history inquiry and transfer request. 5. The system according to claim 3, wherein the processing request is selected from one or a plurality of types of processing including at least a transfer request at a customer terminal. 6. The system according to claim 5, wherein the authority information includes transfer authority information indicating an authority related to a transfer request. 7. The system according to claim 2, wherein the transfer authorization information includes upper limit amount information indicating an upper limit amount of the transfer request amount. 8. The system according to claim 7, wherein the upper limit amount information represents at least one of an upper limit amount for one transfer request and an upper limit amount for the total amount of daily transfer requests. And the system. 9. The system according to claim 2, 6, 7, or 8, wherein the transfer authorization information is approval necessity information indicating whether approval is required when making a transfer request, and when approval is required. A system characterized by including approver information representing an approver. 10. The system according to claim 9, wherein when the receiving unit receives a transfer request, the transfer request is required to be approved based on the approval necessity information with respect to a person who has transmitted the transfer request. When the determination is made, it is provided with means for specifying an approver for the person in charge based on the approver information, and approval receiving means for accepting approval for the transfer request from the specified approver, and the execution permission The means, if it is determined that the person in charge of sending the received transfer request requires approval for the transfer request based on the approval necessity information, the approval request means approves the transfer request. A system characterized by permitting execution of a transfer in response to the transfer request, on condition that it has been accepted. 11. The system according to claim 10, wherein the transfer authority information includes approval authority information indicating approval authority when each person in charge approves a transfer request as an approver, and the approval receiving unit includes: A system characterized by accepting approval when it is determined based on the approval authority information that the content of the transfer request to be approved is within the approval authority of the approver. 12. The system according to claim 10, further comprising means for transmitting an approval request e-mail to the specified approver. 13. The system according to claim 10, 11 or 12, wherein the transfer request includes information indicating a transfer execution designated date, and at a predetermined time according to the transfer execution designated date of the transfer request, A system comprising means for transmitting an approval request e-mail to the approver when approval from the specified approver is not accepted. 14. A method for providing an electronic banking service to a customer, the method comprising: receiving a processing request from a terminal of the customer; and representing the authority of processing by the electronic banking service for each person in charge of the customer. Referring to a database in which authority information is recorded for each type of processing request, and acquiring the authority information according to the type of the processing request of the person in charge who issued the processing request; A step of determining whether the content is within the range of authority represented by the acquired authority information, and, if the determining means determines that the content is within the range of authority, Permitting execution. 15. A method for providing an electronic banking service to a customer, comprising a request receiving step of receiving a transfer request from a terminal of the customer, and a transfer request by the electronic banking service for each person in charge of the customer. An authority information acquisition step of acquiring the transfer authority information of the person in charge who issued the transfer request by referring to a database in which transfer authority information indicating the authority concerned is recorded, and the content of the transfer request is the acquired transfer A judgment step for judging whether or not it is within the range of the authority represented by the authority information, and an execution for permitting the execution of the transfer according to the transfer request when it is judged within the range of the authority in the judgment step. A permission step. 16. A method for providing an electronic banking service to a customer, comprising a request receiving step of receiving a processing request from a customer's terminal, and authority of processing by the electronic banking service for each person in charge of the customer. Authority information acquisition step of acquiring the authority information of the person in charge of issuing the processing request regarding the account that is the target of the processing request, by referring to a database in which the authority information indicating the , A determination step of determining whether or not the content of the received processing request is within the range of authority represented by the acquired authority information, and when it is determined within the range of authority in the determination step, An execution permission step of permitting the transfer execution to the processing request. 17. The method according to claim 16, wherein the processing request is selected from one or a plurality of types of processing including at least a transfer request at a customer terminal. 18. The method according to claim 17, wherein the authority information includes transfer authority information indicating authority related to a transfer request. 19. The method according to claim 15, wherein the transfer authorization information includes upper limit amount information indicating an upper limit amount of the transfer request amount. 20. The method according to claim 19, wherein the upper limit amount information represents at least one of an upper limit amount per one transfer request and an upper limit amount of the total amount of daily transfer requests. And how to. 21. The method according to claim 15, 18 or 19, wherein the transfer authorization information is approval necessity information indicating necessity of approval for making a transfer request, and an approver when approval is required. And the authorizer information representing the method. 22. The method according to claim 21, wherein when the receiving step receives a transfer request, the transfer request needs to be approved based on the approval necessity information regarding the person who has transmitted the transfer request. If determined,
The method includes: a step of specifying an approver for the person in charge based on the approver information; and an approval receiving step of receiving approval of the transfer request from the specified approver, wherein the execution permitting step is performed by the reception. If it is determined that the transfer request requires approval based on the approval necessity information, the person in charge of sending the transfer request must be approved by the approval receiving step for the transfer request. As a method, a method of permitting execution of a transfer according to the transfer request. 23. The method according to claim 22, wherein the transfer authority information includes approval authority information indicating approval authority when each person in charge approves a transfer request as an approver, and the approval receiving step comprises: A method for accepting approval when the content of the transfer request to be approved is determined to be within the range of the approval authority of the approver based on the approval authority information. 24. The method according to claim 22 or 23, comprising the step of transmitting an approval request email to the specified approver. 25. The method according to claim 22, 23, or 24, wherein the transfer request includes information indicating a transfer execution designated date, and at a predetermined time according to the transfer execution designated date of the transfer request, When the approval from the identified approver is not accepted, the method further comprises the step of sending an approval request e-mail to the approver. 26. A program for causing a computer to execute the method according to any one of claims 14 to 25. 27. A recording medium on which the program according to claim 26 is recorded.