JP2002334209A - Client terminal device, bank service providing program, storage medium, bank service providing method, and bank server device - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a bank server device or the like that can limit the bank services that can be provided according to the attributes of the user. For example, according to attributes such as the age of the user, for example, users between 6 and 11 years old only have ordinary saving service, and users between 12 and 14 years old have ordinary saving service and time deposit service. A bank service that can be provided to the user is determined in advance for each attribute, such as “only”. The user's attribute is acquired when the user opens a bank account. When the user logs in to the bank server 5, the user's attribute can be searched from the user's login account, and only data relating to bank services that can be provided to the user is transmitted to the client terminal device.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank server and the like, and more particularly to a bank server for limiting the contents of a bank service provided in accordance with a user attribute.

[0002]

2. Description of the Related Art With the rapid development of the Internet in recent years, various information can be transmitted and received on the Internet. Nowadays, the Internet plays an important role in running social life, such as conducting shopping and other business transactions over the Internet, and acquiring necessary information from websites established by various organizations and individuals. Has been carrying. Such movements have spread throughout the world of banking transactions, such as checking account balances, transferring funds, lending loans, opening new accounts, and closing accounts on the Internet using a bank server installed at a bank. Is becoming available.

On the other hand, recently, Internet terminals have been set up in elementary and junior high schools and the like, and instruction has been made on how to operate the Internet. Thus, regardless of age, the ability to use the Internet is becoming a common ability in social life. And conventionally,
ATMs that go directly to the bank or that the bank has set up in the city
(Automatic Teller Machine
Any bank service that could not be enjoyed without going to e) can be received from the bank server device as long as there is only a personal computer connected to the Internet or a skill to use the Internet.

[0004]

However, the bank services that can be provided by the bank server apparatus include a wide variety of services such as ordinary deposit business, time deposit business, transfer business, loan lending business, and investment trust business. On the other hand, an unspecified person can access the bank server device. For example, there are some services that are not preferable to be provided depending on the attribute of the accessing user, for example, a primary school student borrows a large loan. .

Accordingly, an object of the present invention is to provide a bank server device or the like that can limit the bank services that can be provided according to the attributes of the user.

[0006]

According to the present invention, in order to achieve the above object, according to the first aspect of the present invention, a communication means for communicating with a bank server device, and the bank server device using the communication means. A client terminal device comprising: a providing unit that provides a bank service to a user according to the above; and a limiting unit that limits the content of the bank service provided by the providing unit to the user according to the user. provide. According to a second aspect of the present invention, there is provided the client terminal device according to the first aspect, wherein the restricting unit restricts the contents of the bank service according to an attribute of the user. The invention according to claim 3 provides the client terminal device according to claim 2, wherein the attribute is the age of the user. According to a fourth aspect of the present invention, there is provided the client terminal device according to the second aspect, further comprising setting means for setting the content of restriction by the restriction means. In the invention according to claim 5, a communication function of communicating with a bank server device, a providing function of providing a user with a bank service by the bank server device using the communication function, and the bank service provided by the providing function And a restricting function for restricting the content of the client terminal according to the user, and a bank service providing program for implementing the restricting function on the client terminal device. According to a sixth aspect of the present invention, there is provided a storage medium readable by the client terminal device storing the bank service providing program according to the fifth aspect. This storage medium is a storage medium storing a bank service providing program. According to a seventh aspect of the present invention, there is provided the storage medium according to the sixth aspect, wherein the storage medium is a non-volatile semiconductor memory that is removable from the client terminal device. In the invention according to claim 8, a first step of communicating with a bank server device, and a second step of providing a bank service of the bank server device to a user via the communication of the first step. , And the content of the bank service to be provided to the user in the second step is limited according to the user.
In the invention according to claim 9, accepting means for accepting a login from a user, limiting means for limiting the contents of a bank service to be provided to the user according to the user who has accepted the login with the login accepting means, Providing means for providing, to the user, the bank service whose content has been restricted by the restricting means. In the invention according to claim 10, further comprising an attribute acquisition unit for acquiring an attribute of a user whose login has been accepted by the acceptance unit, wherein the restriction unit uses the attribute of the user acquired by the attribute acquisition unit. 10. The bank server device according to claim 9, wherein the content of the bank service is restricted. Claim 11
11. The bank server device according to claim 10, wherein the attribute of the user acquired by the attribute acquiring unit is the age of the user. According to the twelfth aspect of the present invention, the first step of receiving a login from a user and the content of bank services to be provided to the user are restricted according to the user who has received the login in the first step. A bank service providing method, comprising: a second step; and a third step of providing the user with the bank service whose content has been restricted in the second step. In the invention according to claim 13, a receiving function for receiving a login from a user, a limiting function for limiting the contents of a bank service to be provided to the user according to the user who has received the login with the login receiving function, A bank service providing program for realizing a bank server device with a providing function of providing the bank service limited in content by the limiting function to the user, or a computer readable storage of the bank service providing program Provide a storage medium. In the invention according to claim 14, a receiving function for receiving a login from a user, a limiting function for limiting the contents of a bank service to be provided to the user according to the user who has received the login with the login receiving function, Provided is a computer-readable storage medium storing a bank service providing program for realizing, with a bank server device, a providing function of providing the bank service limited in content by the limiting function to the user.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS (First Embodiment) A first embodiment of the present invention will be described below in detail with reference to FIGS. FIG. 1 is a diagram showing a configuration example of a network system to which a bank server 5 and client terminal devices 7, 7, 7,... According to the present embodiment are applied.
The bank server 5 is a server operated by a bank, and is connected to the Internet 8. The bank server 5 is a server which provides a logged-in user with bank services such as confirmation of deposit balance, transfer, establishment of a new account, termination of a fixed-term deposit account, exchange of foreign currency, and the like. Bank server 5
Stores various screen data such as a balance confirmation screen presented to the user on the client terminal device 5. These screens are displayed, for example, in HTML (Hyper Text M).
arkup Language). The authentication server 6 is a server that confirms a login account and a password acquired from the client terminal devices 7, 7, 7,... And authenticates a user. A user who has not been authenticated by the authentication server 6 cannot log in to the bank server 5.

The client terminal devices 7, 7, 7,...
It is connected to the Internet 8 and can communicate with the bank server 5. The client terminal devices 7, 7, 7, ... are, for example, PCs, mobile phones,
It consists of a word processor with a communication function and a digital TV with a built-in modem. The user can receive various bank services provided by the bank server 5 by logging in to the bank server 5 from these client terminal devices 7, 7, 7,....

A browser is installed in the client terminal devices 7, 7, 7,..., And the screen data in the HTML format transmitted by the bank server 5 can be displayed on the display using the browser. The user can communicate with the bank server 5 by inputting data such as a transfer destination account number on the displayed screen.

The Internet 8 is, for example, a telephone line,
It is constructed with a cable television network, satellite line, optical fiber network, and so on. Client terminal devices 7, 7, 7,...
And the bank server 5 are, for example, TCP / IP (Trans
mission control protocol /
Communication is performed using a protocol such as the Internet protocol.

In FIG. 1, the client terminal devices 7, 7, 7,... Are directly connected to the Internet 8, but they may be connected to the Internet 8 via an Internet connection intermediary called a provider. In the present embodiment, the client terminal device 7 and the bank server 5 are connected using the Internet 8, but the present invention is not limited to this.
(Local Area Network), WAN
(Wide Area Network), a satellite communication network, or other various communication networks.

FIG. 2 is a diagram showing a configuration example of the client terminal device 7. In the present embodiment, as an example, the client terminal device 7 is configured using a PC. Hereinafter, description will be made using one of the plurality of client terminal devices 7, 7, 7,.... CPU (Central Pr
processing unit) 11 is a ROM (Rea
d Only Memory 12 and a RAM (Random Access Me)
In accordance with a program loaded in the memory 13, various processes, calculations, condition judgments, control of various devices such as a display, and the like are performed. As various processing,
As described later, attributes such as the age of the logged-in user are specified, and bank services available to the user are limited.

The ROM 12 is a read-only memory in which basic programs and parameters for making the client terminal device 7 function are stored. RAM 13
Is a memory for storing programs and data necessary for the CPU 11 to perform various processes, and the CPU 11 can change the stored contents. Interface 15
Is a storage device 16, a magneto-optical disk 17, a communication unit 18,
Various devices such as the input unit 19 and the display 20 and C
These devices are connected to PU11, etc.
Provides an interface with the PU 11 and the like.

The bus line 14 has an interface 15
And the CPU 11, the ROM 12, the RAM 13, and the like are transmission media for transmitting and receiving data, control signals, and the like. The storage device 16 includes a storage medium that can be accessed at a high speed and has a large storage capacity, and stores various programs and data. As the storage device, for example, a hard disk, a nonvolatile semiconductor memory, a magneto-optical disk, or the like is used. In the present embodiment, a hard disk is used. In the storage device 16, for example, a browser 21,
A line connection program 22, other programs 23, various databases 24, and the like are stored.

The browser is a program for displaying an HTML format file on the display 20. HTML
The format file is a file in which the structure of a document, a place where an image is located, a link destination, and the like are described using a tag (a kind of reserved word) or the like. Each screen such as a transfer screen can be defined by the file in the HTML format. HTML by using a browser
The screen defined by the format file is displayed on a display or the like. The line connection program 22 is a program for connecting the client terminal device 7 to the Internet 8 (or a provider when connecting to the Internet 8 via a provider).

The magneto-optical disk 17 is generally used for the storage device 1.
Although the access speed is slower than that of the client terminal 6, it is detachable from the client terminal device 7, so that it is used for backup of programs and data. The communication unit 18 is a device that connects the client terminal device 7 to the Internet 8. When the client terminal device 7 is connected to a public line, it is constituted by a modem or the like.

The input unit 19 includes a keyboard, a mouse, and the like. The keyboard is used when, for example, entering characters on various screens displayed by the bank server 5.
The mouse is a pointing device, and data can be input by clicking an icon or button displayed on the display.

The display 20 is, for example, a CRT (Ca
side Ray Tube), liquid crystal display,
This is a display device including a plasma display or the like. The display 20 displays various screens downloaded from the bank server 5 and displays a result input by a user from a keyboard or the like.

FIG. 3 is a diagram showing a configuration example of the bank server 5. The bank server 5 is configured by a computer having a high-speed and advanced information processing function, such as a workstation. The configuration of the bank server 5 is basically the same as that of the client terminal device 7.
The functions of the display 37 are the same as the functions of the CPU 11 to the display 20 of the client terminal device 7.

The banking program 3 is stored in the storage device 33.
8. Other programs 39 and various databases 70
Is stored. The banking business program 38 is a program for realizing a function of providing various services related to banking business in the bank server 5. More specifically, a screen corresponding to the transaction content is displayed on the client terminal device 7,
It is a program that processes various banking operations such as balance confirmation processing, transfer processing, and account opening processing in response to user input.

The other programs 39 include, for example, O
Other programs such as an S (Operating System), a program for preventing unauthorized access from the outside, and a program used by an administrator for maintenance are stored. The database 40 stores various data such as records of transactions performed by the bank server 5, user registration data, and deposit balance data.

FIG. 4 is a schematic diagram for explaining the outline of the module configuration of the bank program 38. Business unit 46
Has different types of modules for performing banking services. The login unit 47 is a module that operates when a user logs in to the bank server device 5, and operates together with the authentication server device 6 to authenticate a user who logs in.

When a user logs in to a bank system (consisting of the bank server 5, the authentication server 6, etc.), the user makes a connection request to the bank server 5. Then, the login unit 47
Displays a log-in screen on the client terminal device 7, and obtains the log-in account and password of the user according to the input by the user. The bank server 5 transmits these login accounts and passwords to the authentication server 6 (FIG. 1). Login account and password are authentication server 6
Is authenticated, the user can log in to the bank server 5. Further, the authentication server 6 has a table for associating a password with a user ID, so that the user ID of the logged-in user can be specified.
The login unit 47 has a function of receiving the user ID of the user from the authentication server and transmitting the user ID to the age specifying unit 43 when the user logs in to the bank system. In addition, the age specifying unit 43 has a function of specifying the age of the user from the user ID.

The ordinary depositing section 48 is a module that provides a bank service for providing these data to the user in order for the user to check the account balance, the deposit and withdrawal details, and the like. The ordinary depositing section 48 displays an account balance screen, a deposit / withdrawal statement screen, and the like on the display 20 of the client terminal device 7. These presented data are acquired using data of a customer ledger (database which records transactions such as transfer and debit executed for a user's account and changes in account balance) which are not shown.

The time deposit unit 49 is a module for providing a user with a bank service for opening a time deposit account, canceling the time deposit account, or presenting details of the time deposit, for example. The term deposit unit 49 displays a term deposit account opening screen, term account termination screen, term deposit details screen, and the like on the display 20 of the client terminal device 7 in order to provide these services. The user can open or cancel an account by inputting necessary items in predetermined fields on these screens and transmitting them to the bank server 5.

The transfer unit 50 is a module for providing a transfer service from a user's account to another account. The transfer unit 50 displays a transfer screen on the display 20 of the client terminal device 7. The user inputs the bank name and account number of the transfer destination, the transfer amount, and the like from the transfer screen, and transmits the transfer to the bank server 5. The transfer unit 50 executes a transfer transaction according to data received from the user. In addition, the transfer module 50 can present the transfer history to the user, and can perform the reservation of the transfer and the cancellation of the reservation by the operation of the user.

The investment trust section 51 is a module for selling an investment trust to a user. The user can use the investment trust unit 51 to purchase an investment trust, sell an investment trust, check a trading history, check details of a held investment trust, and the like. The investment trust unit 51 displays screens corresponding to these on the display 20 of the client terminal device 7.
More specifically, each screen displayed on the client terminal device 7 by the bank server 5 is the same as that of the client terminal device 7 in which a file in the HTML format in which the bank server 5 defines the screen is transmitted to the client terminal device 7. C
This is displayed by the PU 11 using the browser 21.

The age specifying unit 43 obtains the user ID of the logged-in user from the log-in unit 47, and specifies the age of the user. Then, the specified age is filtered by the filter generation unit 4.
4 is output. FIG. 5 is a diagram showing an age table 55 included in the age specifying unit 43. Age table 55
Has a user ID column 56, a date of birth column 57, and an age column 58. The user ID column 56 has user IDs of all users registered in the authentication server 6. In the date of birth column 57, the date of birth of the user corresponding to the user ID in the user ID column is recorded. The date of birth was submitted by the user to the bank at the time of user registration. Further, in the present embodiment, the age of the user is used as the attribute of the user, but other attributes may be used. In this case, when the user registers with the bank,
These attributes shall be presented to the bank.

The age column records the current age calculated by the age specifying unit 43 from the date of birth of the user.
When acquiring the user ID from the login unit 47, the age specifying unit 43 searches the user ID column 56 using the user ID. Then, when the user ID is searched, the age of the user is acquired from the corresponding age column 58. And
The age specifying unit 43 transmits the acquired age of the user to the filter generation unit 44.

The function restriction table 42 (FIG. 4) stores the types of bank services that can be provided to the user for each age of the user. FIG. 6 is a diagram showing the contents of the function restriction table 42. The age column 61 is a column that stores the age classification of the user. In the present embodiment, as an example, the user's age is classified into four: 6 to 11 years, 12 to 14 years, 15 to 17 years, and 18 years or older. In the ordinary deposit column 62, the time deposit column 63, the transfer column 64, and the investment trust column 65, it is stored whether each age group can be used or not. In the figure, the mark “利用” indicates that the use is possible, and the mark “X” indicates that the use is not possible.

As shown in FIG. 6, users between the ages of 6 and 11 can receive only the ordinary saving service from the bank server 5. Users between the ages of 12 and 14
The ordinary deposit service and the fixed-term deposit service can be received from the bank server 5. Users between the ages of 15 and 17 can further receive the transfer service from the bank server 5. There is no service restriction for users over the age of 18, and the investment trust service can be further received from the bank server 5.

The filter generation unit 44 obtains the age of the user from the age specifying unit 43. Then, the function restriction table 42 is searched using the acquired age, and the type of bank service that can be provided to the user is specified. Filter generation unit 44
Generates a filter 45 using information that specifies a bank service that can be provided to the user, obtained from the search result of the function restriction table 42. The filter 45 is a module that filters data transmitted from the bank server 5 to the client terminal device 7 and passes only data relating to bank services that can be provided to the user.

For example, if the user is between the ages of 12 and 14, the filter 45 passes data relating to the savings and time deposit services and blocks data relating to the deposit and mutual fund services.
That is, from the client terminal device 7, the ordinary depositing unit 48
And the time deposit unit 49, but the transfer unit 50 and the investment trust unit 51 cannot be used. For this reason, the user sets the ordinary deposit unit 48 and the time deposit unit 4
9 can be used, but the services provided by the transfer unit 50 and the investment trust unit 51 cannot be used.

FIG. 7 is a diagram showing a bank service selection screen displayed on the display 20 of the client terminal device 7 when the user is from 6 to 11 years old. The bank service selection screen is displayed by a bank service selection screen display unit (not shown) provided in the banking business program 38. The user can connect to the module that provides each bank service by left-clicking on the bank service desired to be used among various bank services displayed on the bank service selection screen by a mouse operation. Then, after the connection, the user can use a predetermined bank service based on the information presented by each module to the client terminal device 7.

When the user is between the ages of 6 and 11, data other than the ordinary deposit service is blocked by the filter 45, so that only information relating to the ordinary deposit service is displayed on the bank service selection screen. This allows
Although the user can access the ordinary depositing section 48, the time depositing section 49, the transfer section 50, the investment trust section 51
, And cannot use the banking services provided by these modules.

FIG. 8 is a diagram showing a bank service selection screen displayed on the display 20 of the client terminal device 7 when the user is between the ages of 12 and 14. If the user is between the ages of 12 and 14, the data on the transfer and mutual fund services will be
In the bank service selection screen, only the information related to the ordinary deposit service and the time deposit service is displayed. Thus, the user can access the ordinary deposit unit 48 and the time deposit unit 49, but cannot access the deposit unit 50 and the investment trust unit 51.

FIG. 9 is a diagram showing a bank service selection screen displayed on the display 20 of the client terminal device 7 when the user is 15 to 17 years old. If the user is between the ages of 15 and 17, the data on the investment trust service is blocked by the filter 45, and the data on the investment trust service is not displayed. For this reason, the user can access the ordinary deposit unit 48, the time deposit unit 49, and the transfer unit 50, but cannot access the investment trust unit 51.

FIG. 10 shows a case where the user is over 18 years old.
FIG. 9 is a diagram showing a bank service selection screen displayed on a display 20 of the client terminal device 7. User is 1
If the user is eight years of age or older, there is no data to be blocked by the filter 45, so the user can access the ordinary deposit part 48, the time deposit part 49, the deposit part 50, and the investment trust part 51. In the present embodiment, the bank service provided by the bank server 5 includes the ordinary deposit service, the time deposit service, the transfer service, and the investment trust service. However, the present invention is not limited to this. Doing loan services and other services can be provided.

FIG. 11 is a flowchart for explaining the operation of each module of the banking business program 38. (A) shows the operation of the bank server 5, (b)
2 shows the operation of the client terminal device 7. First, the user makes a connection request from the client terminal device 7 to the bank server 5 (step 70). The bank server 5
When a connection request is received from the client terminal device 7, a login screen is displayed on the client terminal device 7, and the user is prompted to input a login account and a password.

Next, the login account and the password input by the user are received, and the authentication server 6 (FIG. 1) authenticates the user. The authentication server 6 specifies the user ID from the password and transmits the user ID to the bank server 5. The user
It is assumed that the user has been authenticated by the authentication server 6. First, the login unit 47 acquires a user ID from the authentication server 6 (Step 10). Next, the age identification unit 43 acquires the user ID from the login unit 47, searches the age table 55,
The age of the user is obtained (step 20).

Next, the filter generation unit 44
Then, the age of the user is acquired from the number 3. And the age specifying unit 4
3 searches the function restriction table 42 using this age,
The type of bank service to be restricted for the user is specified, and the filter 45 is set (step 30). The bank server 5 sends data relating to a predetermined bank service to the client terminal device 7 (step 40).
The filter 45 selects bank service data to be passed according to the function restriction table 43 (step 5).
0).

From the bank server 5 to the client terminal device 7
If the data to be transmitted to is not restricted according to the function restriction table 43 (step 50; Y),
The data is transmitted to the client terminal device 7 and provided to the user (step 60). If the data transmitted from the bank server 5 to the client terminal device 7 is restricted according to the function restriction table 43 (step 50;
N), the data is blocked by the filter 45,
It is not transmitted to the client terminal device 7. In the client terminal device 7, the bank service filtered by the bank server 5 can be used (step 8).
0).

As described above, according to the first embodiment, the following effects can be obtained. Depending on the age of the user, the functions of the bank server 5 that can be used by the user can be limited.
This allows, for example, children between the ages of 6 and 11
If you make a transfer or buy or sell investment trusts,
It is possible to avoid a case where a problem occurs when a user performs a transaction that is not appropriate for his or her attributes.

In addition, various types of bank services can be provided to appropriate users by increasing the types of bank services that can be provided by the bank server 5 and restricting functions by age and other user attributes other than age. be able to. Further, since the bank server 5 has a restriction function for restricting services available to the user, the restriction function can be exhibited regardless of which client terminal device the user uses.

In the first embodiment, when selecting a service to be provided to a user, the age of the user is used as a user attribute for classifying the user. However, the present invention is not limited to this. Alternatively, the type of bank service to be provided may be selected based on attributes such as user preferences, hobbies, occupations, and the family structure of the user's home. Further, it is also possible to configure so that the setting conditions of the filter 45 can be set by the user, for example, the father preliminarily selects a bank service that the child can use. Alternatively, the filter 45 may be set individually for each user. Embodiments of the present invention are not limited to the first embodiment, and various modifications can be made within the scope of the invention described in the claims.

(Second Embodiment) In the first embodiment, a case has been described in which the bank server 5 is provided with a function of restricting services that can be used by the user. However, in the second embodiment, the function of restricting services is provided. The case of providing in a client terminal device will be described. The configuration example of the network to which the client terminal device 7 and the bank server 5 are applied is the same as that of FIG. The hardware configurations of the client terminal device 7 and the bank server 5 are the same as those in FIGS.

FIG. 12 shows the bank server connection program 7 stored in the storage device 16 of the client terminal device 7.
1 is a schematic diagram for explaining a configuration of FIG. In the first embodiment, the browser 21 (FIG. 2) displays each screen data (HTML format file) transmitted from the bank server 5 on the display 20. However, in the second embodiment, The bank server connection program 71 provided in the client terminal device 7 displays each screen such as a transfer screen. Then, the bank server 5 and the client terminal device 7
Are designed to encrypt data such as account balance data and transfer destination account number data and transmit them to each other.

The bank server connection program 71 can be started when a user inputs a password. After the user inputs the password and starts the bank server connection program 71, the user inputs the login account and the password for the authentication server 6 to the authentication server 6 of the bank. Has become.

The bank server connection program 71 includes, as an example, an ordinary deposit section 74, a time deposit section 75, a deposit section 76, and an investment trust section 77 for providing bank services. These units use the client terminal device 7 while logged in to the bank server 5. Savings Department 7
4 displays on the display 20 an account balance confirmation screen, a deposit / withdrawal statement screen, and the like. Then, using the account balance data and the deposit / withdrawal statement data transmitted by the bank server 5, the account balance or the deposit / withdrawal statement is displayed on the account balance confirmation screen or the deposit / withdrawal statement screen. The bank service provided by the ordinary deposit unit 74 to the user is the same as the ordinary deposit unit 48 (FIG. 4) of the bank server 5 of the first embodiment.

Similarly, the time deposit unit 75 and the transfer unit 7
6. The investment trust unit 77 also displays a predetermined screen on the display 20, and displays data transmitted from the bank server 5 to the client terminal device 7 on these screens, or data input by the user from these screens. Bank server 5
Send to The contents of the services provided by these units are the same as those of the time deposit unit 49, the transfer unit 50, and the investment trust unit 51 (FIG. 4) of the bank server 5 according to the first embodiment. The function restriction setting unit 73 is a module that can selectively stop the functions of these units. For example, the ordinary deposit section 74 and the time deposit section 75 are set to be operable, and the transfer section 76 and the investment trust section 77 are set.
Function can be stopped. In FIG. 12, a circle attached to the left of the ordinary deposit unit 74 and the time deposit unit 75 means that these modules are set to be operable by the function restriction setting unit 73, and a cross indicates the function restriction unit 7
3 means that these modules are set to a state where they cannot operate.

The function restriction setting unit 73 can set a plurality of types of modules of each unit by using the setting unit 72. For example, in the setting 1, the ordinary deposit unit 4 is made operable and the operation of the other modules is disabled, and in the setting 2, the ordinary deposit unit 74 and the time deposit unit 75 are set.
The setting unit 72 can perform a plurality of settings such that the operation of the transfer unit 76 and the investment trust unit 77 is disabled.

Each setting in the setting section 72 can be associated with a password when the user activates the bank server connection program 71. With this configuration, for example, when the client terminal device 7 is installed at home, the father's password and the mother's password are associated with the setting 1, the eldest son's password is associated with the setting 2, and the second son's password is set. Can be associated with setting 3 to restrict the bank services available to the user.

As described above, by providing the individual setting means by which the user can individually set the setting unit 72 for the user, for example, the father and mother can save ordinary deposit, time deposit, transfer, investment The eldest son can receive banking services for savings and time deposits, and the second son can only receive banking services for savings accounts. The setting for each user can be freely set in the client terminal device 7 by an administrator of the client terminal device 7, for example, a father.

As described above, according to the second embodiment, the following effects can be obtained. The effect of limiting the types of bank services available to the user is as follows.
This is the same as the embodiment. In addition, in the present embodiment, the types of bank services that can be used on the client terminal device 7 can be restricted and set, so that flexible setting can be performed according to the circumstances of the user. Also,
Embodiments of the present invention are not limited to the second embodiment, and various modifications can be made within the scope of the invention described in the claims.

(Third Embodiment) Hereinafter, a third embodiment will be described with reference to FIGS. FIG. 13 is a diagram illustrating a configuration example in which a network is configured using the bank server 5, the Internet 8, and the client terminal device 94. The hardware configuration of the bank server 5 is the same as that of the first embodiment. In the third embodiment, similarly to the second embodiment, a program provided on the client terminal device 94 displays each screen such as a transfer screen.

The client terminal device 94 includes a base unit 81 connected to the Internet 8 and a portable unit 80 capable of wirelessly communicating with the base unit 81. The base section 81 is installed at a predetermined place. On the other hand, the portable unit 80 is configured to be small and lightweight,
The user can carry it freely. Further, the user can perform input and output from the portable unit 80 to the bank server 5, and the portable unit 80 is a terminal device that can be freely carried by the user.

The portable unit 80 includes a removable memory 8 having a bank program for communicating with the bank server 5.
8 is provided. The memory 88 is owned by each user, and stores a program used by the user. The user stores his or her memory 88 in the portable unit 80.
By attaching it to the client terminal device 94, the client terminal device 94 can be used in its own environment. The portable unit 80 will be described later in detail.

The base unit 81 constitutes a wireless base station for relaying the Internet 8 and the portable unit 80 by radio. The base unit 81 includes a communication unit 82, a ROM
83, a RAM 84, a wireless unit 95, a CPU 96, and the like. The communication unit 82 includes, for example, a modem, and connects the base unit 81 to the Internet 8. R
The OM 83 stores a program for operating the base unit 81 as a wireless base station, such as driver software for controlling the communication unit 82 and the wireless unit 95, for example. RAM
84 provides a working memory to the CPU 96 and the like.

The wireless section 95 transmits the portable section 80 to the wireless L section.
The signal transmitted and received between the base unit 81 and the portable unit 80 is processed in a predetermined procedure in order to be connected by an AN or the like. In the case of transmission, this processing is performed, for example, by compressing transmission data, generating a transmission signal conforming to a predetermined communication protocol, and further modulating and amplifying the generated transmission signal. . And the radio unit 9
5 transmits the processed signal to the portable unit 80 wirelessly. In the case of reception, a signal transmitted from the portable unit 80 is received, and the received signal is demodulated.
Processing is performed according to a predetermined procedure such as expansion, and the communication unit 82 and the CPU 96 are processed.
Convert to data that can be used in

The CPU 96 operates in accordance with a program stored in the ROM 83 to control data exchange with the Internet 8 in the transmission unit 82 and control data exchange with the portable unit 80 in the wireless unit 95. I do.

The portable unit 80 includes a wireless unit 85, a ROM
87, a RAM 78, an input / output unit 86, a CPU 79, a memory 88, a display (not shown), a touch panel attached to the display, and the like. The configuration and function of the wireless unit 85 are the same as those of the wireless unit 95 of the base unit 81, and connect the portable unit 80 and the base unit 81 wirelessly. The ROM 87 stores, for example, basic programs for operating the portable 80, such as a display, a touch panel, a wireless unit 85, and driver software of the memory 88. The RAM 78 provides a working memory to the CPU 79, for example.

The input / output unit 86 outputs display data to a display and receives data input from a touch panel. The memory 88 is detachable and owned by each user. The memory 88 is, for example, an EEP
Mask ROM (Electrically Erase)
able And Programmable Mas
k ROM). In addition, other storage media such as a magnetic disk may be used without being limited to the semiconductor memory.

The memory 88 stores programs and data dedicated to the user who owns it. Then, the user attaches his / her memory 88 to the portable unit 80,
By activating the stored program, a portable environment can be realized by the portable unit 80.
The CPU 79 controls each unit such as the input / output unit 86 and the wireless unit 85 in accordance with programs stored in the ROM 87 and the memory 88.

FIG. 14 is a diagram showing an example of data stored in the memory 88. The memory 88 stores authentication data 102, bank software 97, and data 98. The authentication data 102 is data uniquely assigned to each memory 88, and is data corresponding to a user's account. When the user logs in, the bank server 5 collates the authentication data 102 with the login account and password input by the user. When a person who is not the owner of the memory 88 mounts the memory 88 on the portable unit 80 and tries to log in to the bank server 5 using his / her own login account and user ID, the bank server 5
Will not accept this login.

The bank software 97 is software for providing a bank service provided by the bank server 5 to a user. The banking software 97 consists of a basic unit 89 and an ordinary depositing unit 9
0, time deposit section 91, transfer section 92, investment trust section 93
And so on. These programs are executed by the CPU 79 when the memory 88 is mounted on the portable unit 80.

The basic unit 89 is a module that provides basic functions for operating the bank software 97. For example, the basic unit 89 has a function for the CPU 79 to communicate with the bank server 5 and a function for updating the electronic passbook 99 using data received from the bank server 5. Further, the basic unit 89 has a function of storing transaction data such as transfer data created by the user as temporary data 94 in the data unit 98 when the client terminal device 94 is used offline with the bank server 5. When the user logs in to the bank server 5, it has a function of transmitting the held data to the bank server 5.

The basic unit 89 also has a function of displaying a login screen on a display when a user logs in to the bank server 5. A list of characters and numbers is displayed on the login screen, and the user can input a login account and password by touching these characters and numbers with a touch pen or finger. The basic unit 89 also has a function of displaying a bank service selection screen on a display when a user logs in to the bank server 5. On the bank service selection screen, the savings department 9
0, time deposit section 91, transfer section 92, investment trust section 93
Is displayed, and the user can select a bank service by touching the display.

The ordinary deposit section 90 is a module for providing an ordinary deposit service to a user, and displays, for example, a balance confirmation screen and a deposit details screen on a display.
The data displayed on these screens is the content stored in the electronic passbook 99. The time deposit unit 91, like the ordinary deposit unit 90, displays a time deposit creation screen, a time deposit cancellation screen, a time deposit balance statement screen, and the like. The data displayed on the time deposit balance statement screen is data stored in the electronic passbook 99. Further, data input from the time deposit creation screen and the time deposit cancellation screen are transmitted to the bank server 5 when the base unit 81 is connected to the bank server 5, and the base unit 81 is not connected to the bank server 5. In this case, it is stored in the memory 88 as temporary data 94.

The transfer unit 92 is a module for providing a transfer service to the user. For example, when the user wants to make a transfer, he or she selects a transfer on the bank service selection screen, and displays the transfer screen on the display. On the transfer screen, a list of banks at the transfer destination is displayed. The user can input the transfer destination bank to the input / output unit 86 by touching the name of the transfer destination bank.

Further, a number for inputting the account number of the transfer destination is displayed on the transfer screen. The user
By touching these numbers, the account number of the transfer destination can be input to the input / output unit 86. Next, numbers for inputting the transfer amount are displayed on the transfer screen, and the user can input the transfer amount to the input / output unit 86 by touching these numbers. The data input by the user is immediately transmitted to the bank server 5 when the client terminal device 80 is connected to the bank server 5. When the user enters the client terminal device 9
4 is used offline, the temporary data 94
Is stored in the memory 88.

The investment trust section 93 is a module for providing services such as purchase and sale of the investment trust and presentation of the trading history and details of the held investment trust to the user. Data recorded in the electronic passbook 99 is displayed as the transaction history and the details of the held investment trust. When the user inputs data instructing the purchase or sale of the investment trust, the data is immediately transmitted to the bank server 5 when the bank server 5 is connected to the client terminal device 94, and when the client terminal device 94 is offline. Are stored in the memory 88 as temporary data 94.

The electronic passbook 99 records, in addition to the account details and account balances recorded in a normal passbook, data relating to bank services used by the user with the bank software 97, such as held investment trusts. Have been. When the user logs in to the bank server 5 from the client terminal device 74, the executed transaction data is transmitted from the bank server 5. The basic unit 89 updates the electronic passbook 99 using these data.

That is, when the user logs in to the bank server 5, the contents of the electronic passbook 99 are updated to the latest one.
The executed transaction data transmitted from the bank server 5 is, for example, transferred to the user's account, paid in interest, debited, etc., from the last time the user logs in to the current time. This is data regarding a transaction performed by the server 5 on the user's account.

As described above, the temporary data 94 is stored in the bank software 9 while the user is offline with the bank server 5.
7 is stored. The temporary data 94 indicates that the user
Is transmitted to the bank server 5 when the user logs in, and is deleted after the transmission. The bank server 5 executes a transaction such as transfer in accordance with the transaction instruction data received from the client terminal device 94.

The memory 88 is distributed from the bank when the user opens an account at the bank. The bank can restrict a predetermined bank service providing function in advance based on the attributes of the user. That is, depending on the attribute of the user, it is set at the time of distribution that each module for providing the bank service of the bank software 97 can be made to function or not to be functioned. The user cannot change this setting.

With this restriction function, for example, if the user is a primary school child, the transfer unit 92 and the investment trust unit 93 cannot be used, and if the user is a junior high school student, the investment trust unit 93 cannot be used. it can. Alternatively, some types of memory 88 in which a predetermined module is not stored may be created in advance, and distributed in accordance with the attributes of the user. For example, an elementary school student has an ordinary deposit section 90 and a time deposit section 91, but a transfer section 92 and an investment trust section 9.
No. 3 distributes a memory chip that is not included.

Although the client terminal device 94 has been described above only for the exchange with the bank server 5, the client terminal device 94 has a browser, and the user can use the Internet 8 in the same manner as a normal personal computer. Access various servers via
You can receive services provided by these servers. Furthermore, the base unit 81 has a built-in television tuner, and the user can watch television using the portable unit 80. Further, the base unit 80 has an external input terminal, so that the user can watch video software or the like on the portable unit 80.

In addition to the bank software 97, the memory 88 may include application software such as household account book software and calendar software. Then, by linking these application software and the bank software 5, the contents of the electronic passbook 99 can be reflected on the household account book software, and the date and amount of money to be debited from the account can be displayed on the calendar.

The following effects can be obtained from the above configuration. The effect of restricting the bank service according to the attribute of the user is the same as that of the first embodiment.
In addition, since the client terminal device 94 can be separated into the base unit 81 and the portable unit 80, when there are a plurality of users, the portable unit 80 can be easily placed in its own operation place.
Can be brought. Further, since the user owns the memory 88 storing the program and data dedicated to the user, the user can realize his / her personal environment at hand by attaching the memory 88 to the portable 80. In addition, the bank software 97 can be used without connecting the client terminal device 94 to the bank server 5, and the created data is stored in the memory 88 as temporary data 94.
Can be stored.

Further, by installing application software linked to the bank software 97 in the memory 88, it is possible to provide a bank service more closely related to the life of the user. Even when a plurality of users such as family members have accounts in the bank server 5, the client terminal devices 94 can form personal terminal devices without installing a plurality of client terminal devices. In addition,
Embodiments of the present invention are not limited to the third embodiment, and various modifications can be made within the scope of the invention described in the claims.

[0081]

According to the present invention, it is possible to provide a bank server device or the like that can limit the bank services that can be provided according to the attributes of the user.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a configuration example of a network system to which a bank server and a client terminal device according to a first embodiment are applied.

FIG. 2 is a diagram illustrating a configuration example of a client terminal device.

FIG. 3 is a diagram showing a configuration example of a bank server.

FIG. 4 is a schematic diagram schematically showing an example of the configuration of a banking business program 38.

FIG. 5 is a diagram showing an age table.

FIG. 6 is a diagram showing a function restriction table.

FIG. 7 is a diagram showing a bank service selection screen for a user aged 6 to 11 years old.

FIG. 8 is a diagram showing a bank service selection screen for users who are 12 to 14 years old.

FIG. 9 is a diagram showing a bank service selection screen for a user aged 15 to 17 years old.

FIG. 10 is a diagram showing a bank service selection screen for a user 18 years or older.

FIG. 11 is a flowchart for explaining the operation of each module of the banking business program, where (a) shows the operation of the bank server and (b) shows the operation of the client terminal device.

FIG. 12 is a schematic diagram illustrating a configuration of a bank server connection program according to the second embodiment.

FIG. 13 is a diagram illustrating a configuration example in which a network is configured using a bank server, the Internet, and a client terminal device.

FIG. 14 is a diagram illustrating a configuration example of a memory;

[Explanation of symbols]

 Reference Signs List 5 bank server 6 authentication server 7 client terminal 11 CPU 12 ROM 13 RAM 14 bus line 15 interface 16 storage device 17 magneto-optical disk 18 communication unit 19 display 21 browser 22 line connection program 23 program 24 database 28 bus line 29 CPU 30 ROM 31 RAM 32 interface 33 storage device 34 magneto-optical disk 35 communication unit 36 input unit 37 display 38 banking program 39 program 42 function restriction table 43 age specifying unit 44 filter generation unit 45 filter 46 business unit 47 login unit 48 savings unit 49 periodical Deposit part 50 Transfer part 51 Investment trust part 55 Age table 58 Age column 71 Bank server connection program 72 Setting part 73 Function restriction Setting unit 74 Savings unit 75 Time deposit unit 76 Transfer unit 77 Investment trust unit 78 RAM 79 CPU 80 Portable unit 81 Base unit 82 Communication unit 83 ROM 84 RAM 85 Wireless unit 86 Input / output unit 87 ROM 88 Memory 89 Basic unit 90 Normal Deposit part 91 Time deposit part 92 Transfer part 93 Investment trust part 94 Temporary data 95 Wireless part 96 CPU 97 Bank software 99 Electronic passbook 100 Temporary data

Claims (14)

[Claims] Communication means for communicating with a bank server device; providing means for providing a user with a bank service provided by the bank server device using the communication means; and providing the bank service provided by the providing means to the user. A client terminal device comprising: a limiting unit that limits contents according to the user. 2. The client terminal device according to claim 1, wherein the restricting unit restricts the contents of the bank service according to an attribute of the user. 3. The client terminal device according to claim 2, wherein the attribute is an age of the user. 4. The client terminal device according to claim 2, further comprising setting means for setting the contents of restriction by said restriction means. 5. A communication function for communicating with a bank server device, a providing function for providing a user with a bank service by the bank server device using the communication function, and a content of the bank service provided by the providing function. A banking service providing program for realizing on a client terminal device a restriction function for restricting according to a user. 6. A storage medium readable by the client terminal device storing the bank service providing program according to claim 5. 7. The storage medium according to claim 6, wherein the storage medium is a non-volatile semiconductor memory that is detachable from the client terminal device. 8. A first step of communicating with a bank server device, and a second step of providing a bank service of the bank server device to a user via the communication of the first step. A method of providing a bank service, wherein the content of the bank service provided to the user in the second step is restricted according to the user. 9. A receiving unit for receiving a login from a user, a limiting unit for limiting the contents of a bank service provided to the user according to the user who has received the login by the login receiving unit, Providing means for providing the user with the bank service whose contents are restricted by the bank server device. 10. An attribute acquiring unit for acquiring an attribute of a user whose login has been accepted by said accepting unit, wherein said restricting unit comprises a bank service content based on said user attribute acquired by said attribute acquiring unit. 10. The bank server device according to claim 9, wherein 11. The bank server device according to claim 10, wherein the attribute of the user acquired by the attribute acquisition unit is the age of the user. 12. A first method for receiving a login from a user.
And a second step of restricting the contents of the bank service to be provided to the user according to the user who has accepted the login in the first step. The contents are restricted in the second step. And a third step of providing the bank service to the user. 13. A receiving function for receiving a login from a user, a limiting function for limiting the contents of a bank service to be provided to the user according to the user who has received the login with the login receiving function, And a providing function for providing the user with the bank service whose content is restricted by a bank server device. 14. A receiving function for receiving a login from a user, a limiting function for limiting the contents of a bank service to be provided to the user according to the user who has received the login with the login receiving function, And a computer-readable storage medium storing a providing function of providing the user with the limited bank service to the user, and a bank service providing program for realizing the bank service providing program by the bank server device.