Internet Banking System

Abstract

To provide an internet banking system which allows even a user who is not accustomed to operating a bank application to receive provision of internet banking service with security.SOLUTION: An internet banking system 1 comprises: execution means which executes processing related to a bank account in a normal mode when receiving a request from an owner of the bank account through a user terminal 2, while executes the processing about the bank account in an instruction mode in which the function is restricted more than the normal mode, when receiving the request from an instructor who performs guidance about operation of the bank application 21 for the owner; and provision means which provides processing result information indicating a processing result to the user terminal 2.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an Internet banking system that provides services related to deposit accounts via the Internet. [Background technology]

[0002] With the advancement of Internet banking services, so-called banking apps used on information processing devices such as smartphones have become widespread, and various technologies have been proposed to improve the convenience of such banking apps (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2019-219749 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, banking apps are highly convenient because they allow users to perform various operations related to their deposit accounts, such as checking their deposit balance and transferring funds to other accounts. However, they also require careful operation. For this reason, many users who are unfamiliar with banking apps, such as elderly people, tend to refrain from using banking apps.

[0005] The present invention has been made in view of the above circumstances, and its main object is to provide an Internet banking system that allows even such users as described above to receive services with peace of mind. [Means for solving the problem]

[0006] In order to solve the above problems, one aspect of the Internet banking system of the present invention is an Internet banking system that executes processing related to each deposit account of a financial institution in response to a request received from an external device that executes a program for receiving Internet banking services, and is characterized in having an execution means that executes processing related to the deposit account in a normal mode when the request is received from the owner of the deposit account, and that executes processing related to the deposit account in an instruction mode having more limited functionality than the normal mode when the request is received from an instructor who instructs the owner on how to operate the program, and a provision means that provides processing result information indicating the result of the processing to the external device.

[0007] In the above aspect, the device may further include an authentication means for authenticating each of the owner and the instructor based on authentication information previously set for each of the owners, and the execution means may execute processing in the normal mode when the owner is authenticated, and execute processing in the instruction mode when the instructor is authenticated.

[0008] In the above aspect, the execution means may execute a process of editing the deposit balance of the account in the instruction mode.

[0009] In addition, in the above aspect, the instructor may be the owner of another account at the financial institution, and the execution means may execute processing in the normal mode when the instructor makes the request as the owner of the other account.

[0010] In addition, in the above aspect, the device may further include a confirmation means for confirming with the owner whether or not the instruction from the instructor is required, and the execution means may execute processing in the instruction mode when it is confirmed by the owner that the instruction is required.

[0011] In addition, in the above aspect, when the providing means provides processing result information indicating a result of processing in the instruction mode, the providing means may include information indicating that the processing was performed in the instruction mode in the processing result information.

[0012] In the above aspect, the image forming apparatus may further include a recording unit that records a log that enables identification of whether the processing is in the normal mode or the instruction mode.

[0013] In addition, in the above aspect, the device may further include a receiving means for receiving a notification from the owner that the instruction is no longer necessary, and when the execution means receives the notification, it may not execute processing in the instruction mode.

[0014] In addition, in the above aspect, the execution means may execute setting of a transfer destination for a transfer from the account in the instruction mode, and execute a transfer to the transfer destination in the normal mode.

[0015] In the above aspect, the execution means may execute a virtual transfer and calculate a deposit balance after the virtual transfer in the instruction mode.

[0016] In addition, in the above aspect, the execution means may execute registration of transfer data for a transfer from the account in the instruction mode, and execute a transfer using the transfer data in the normal mode.

[0017] In addition, in the above aspect, the execution means may execute a transfer using the transfer data in the instruction mode. Effect of the Invention

[0018] According to the present invention, even a user who is unfamiliar with operating a banking application can receive Internet banking services with peace of mind. [Brief description of the drawings]

[0019] [Figure 1] FIG. 1 is a block diagram showing the configuration of an Internet banking system and its communication destinations. [Diagram 2] 11 is a flowchart showing the procedure of an instruction mode execution process. [Diagram 3] FIG. 13 is a diagram showing an example of a balance inquiry result screen. [Figure 4] FIG. 13 shows an example of a deposit / withdrawal details inquiry result screen. [Diagram 5] FIG. 13 is a diagram showing an example of an activation request screen. [Figure 6] FIG. 13 shows an example of a transfer destination registration screen. [Figure 7] FIG. 13 shows an example of a transfer destination selection screen. [Figure 8] FIG. 13 shows an example of a transfer execution screen. [Figure 9] FIG. 13 shows an example of a transfer result screen. [Figure 10] FIG. 13 shows an example of a transfer data creation screen. [Figure 11] 10 is a flowchart showing the procedure of a normal mode execution process. [Figure 12] FIG. 13 is a diagram showing an example of an instructor function deactivation screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0020] Preferred embodiments of the present invention will be described below with reference to the drawings. Note that the following embodiments are merely examples of methods and devices for embodying the technical idea of ​​the present invention, and the technical idea of ​​the present invention is not limited to the following. The technical idea of ​​the present invention can be modified in various ways within the technical scope described in the claims.

[0021] The Internet banking system of this embodiment enables various processes to be executed by an instructor who instructs each user on how to operate a bank application. By receiving instruction from the instructor, the user can receive Internet banking services with peace of mind. The configuration and operation of the Internet banking system will be described below.

[0022] (Internet banking system configuration) 1 is a block diagram showing the configuration of an Internet banking system and its communication destinations according to this embodiment. Internet banking system (hereinafter simply referred to as "banking system") 1 communicates with a user terminal 2 via the Internet 101. In addition, banking system 1 communicates with a bank system 3 via a dedicated line 102.

[0023] The banking system 1 includes a computer equipped with a control unit including a CPU, RAM, and ROM, and the control unit executes each process described below. The banking system 1 also includes an owner database (DB) 11, an instructor DB 12, and a process log DB 13.

[0024] The owner DB 11 is a database for storing various information related to each owner of a deposit account. Specifically, information such as each owner's account number, name, contact information (telephone number, e-mail address, etc.), and login ID and password for using the banking system 1 is stored in the owner DB 11. In addition, transfer destinations and transfer data registered as described below are also associated with each owner and stored in the owner DB 11.

[0025] The instructor DB 12 is a database for storing various information related to instructors who instruct the owners of deposit accounts on how to operate the bank app. Specifically, the instructor DB 12 stores information such as the instructor's name, contact information (telephone number, email address, etc.), authentication information (password, etc.) for using the banking system 1 as an instructor, and the account numbers of the owners who will receive instruction from the instructor.

[0026] In this embodiment, only those who hold a deposit account at the same financial institution as the owner who receives instruction can become instructors. In other words, the owner who receives instruction and the instructor who provides instruction each hold different deposit accounts at the same financial institution. The account numbers of the deposit accounts held by instructors are also stored in the instructor DB 12.

[0027] The processing log DB 13 is a database for storing logs of each processing executed by the banking system 1. As described later, in this embodiment, the banking system 1 executes each processing in two processing modes, a normal mode and an instruction mode. The processing log DB 13 stores logs that can identify in which mode the processing was performed.

[0028] The user terminal 2 is a device used by each user, such as a deposit account holder and an instructor, and is configured as an information processing device such as a smartphone or a tablet terminal. As shown in Fig. 1, the user terminal 2 is communicatively connected to the banking system 1 via the Internet 101, and transmits and receives various data between the user terminal 2 and the banking system 1.

[0029] A program (bank application) 21 for receiving the Internet banking service provided by the banking system 1 is stored in the storage device of the user terminal 2. The bank application 21 is a program pre-installed in the user terminal 2 by each user. However, this is not limited to this, and the bank application 21 may be configured by a script executed by a web browser, etc.

[0030] The user terminal 2 also includes a display unit 22 and an input unit 23. The display unit 22 is configured with a liquid crystal display or an organic EL display or the like, and the input unit 23 is configured with a capacitive touch panel or the like.

[0031] The bank system 3 is a computer system operated by a financial institution that manages each deposit account. As shown in Fig. 1, the bank system 3 is communicatively connected to the banking system 1 via a dedicated line 102. When the bank system 3 receives a request from the banking system 1 via the dedicated line 102, it executes a predetermined process in response to the request and outputs the process result to the banking system 1.

[0032] (Internet banking system operation) An account holder who is unfamiliar with operating the user terminal 2 and the bank application 21 receives instruction from an instructor so that he or she can use the bank application 21 with confidence. A typical example is a situation in which the account holder, who is an elderly person, receives instruction from his or her child (the instructor). The following explanation will be continued using as examples an elderly user A who is the account holder, and a user B who is the child of the user A and acts as an instructor.

[0033] In this embodiment, the banking system 1 executes various processes related to each deposit account in two processing modes: normal mode and instruction mode. The normal mode is a processing mode when each owner makes a request to execute various processes using the bank application 21. In contrast, the instruction mode is a processing mode when each instructor makes a request to execute various processes using the bank application 21 (including a case where each owner makes an execution request while receiving guidance from each instructor). Here, the instruction mode has more limited functions than the normal mode. In this case, the limited functions mean that (a) some of the processes that can be executed in the normal mode cannot be executed in the instruction mode, and (b) although processes can be executed in the instruction mode as in the normal mode, only a part of the processing results are provided or the processing results are provided in an edited form.

[0034] An example of the above function restriction (a) is that a process involving the transfer of funds, such as a transfer transaction, can be performed in normal mode but cannot be performed in instruction mode. In addition, setting a password, etc., cannot be performed in instruction mode. This makes it possible to prevent a situation in which the owner's interests are undermined by an instructor's operations.

[0035] As an example of the above-mentioned functional restriction (b), when a request to inquire about a deposit balance is received, the correct deposit balance is displayed as a processing result in normal mode, whereas in instruction mode some of the digits of the deposit balance are hidden or a fictitious deposit balance is displayed. In this example, the function of checking the actual deposit balance is restricted in instruction mode. Additionally, the actual amounts of deposits and withdrawals may also be made uncheckable in instruction mode. This makes it possible to prevent the instructor from finding out amounts such as the deposit balance against the owner's wishes.

[0036] In this embodiment, (1) an instructor setting process for setting a specific person as an instructor, (2) an instruction mode execution process for executing various processes in the instruction mode, (3) a normal mode execution process for executing various processes in the normal mode, and (4) an instructor cancellation process for canceling the instructor function are performed. Each of these processes will be described in detail below.

[0037] (1) Instructor setting process When user B becomes an instructor for user A, the following instructor setting process is executed. Note that in this embodiment, both users A and B must have deposit accounts at the same financial institution.

[0038] User B starts the bank application 21 on the user terminal 2 and logs into the banking system 1 as the owner of the deposit account that he or she owns. User B then applies to the banking system 1 for instructor authentication information (such as a password) that is required to perform various operations as an instructor for User A.

[0039] The banking system 1 that has received this application uses the telephone number of user A stored in the owner DB 11 to automatically notify user A by phone to confirm whether or not user B needs instruction. In this case, for example, a message such as "Mr. B has applied for instructor authentication information. If you wish to proceed with the procedure, press 1. If not, press 2." is notified to user A. Note that the automatic telephone notification is merely one example, and confirmation of whether or not user A needs instruction may be made by other means such as email or written document.

[0040] If User A, who has received the above-mentioned automated telephone notification, determines that he or she needs guidance from an instructor, he or she notifies banking system 1 that he or she needs guidance by, for example, pressing a specific number. Upon receiving this notification, banking system 1 issues authentication information for an instructor and notifies User B of the authentication information. Banking system 1 also links the authentication information with User A's account number and registers it in instructor DB 12. As a result, User B is set as User A's instructor.

[0041] As described above, an instructor is set only when the account owner gives his / her consent, which prevents the occurrence of a situation where an instructor is set without the owner's intention. Also, since only the account owner can become an instructor, the financial institution can easily ascertain the identity of the person.

[0042] (2) Instruction mode execution process After being set as an instructor for user A, user B instructs user A on how to operate the banking application 21. At this time, user B provides instruction while looking at the display screen of the user terminal 2 together with user A. Specifically, users A and B operate the banking application 21 while looking at the display screen of a user terminal 2 owned by either user A or user B, or operate the banking application 21 while showing each other the display screens of the user terminal 2 owned by each user. In this case, the instruction may be done either face-to-face or online.

[0043] 2 is a flowchart showing the procedure of the instruction mode execution process executed by the banking system 1 and the user terminal 2. When providing instruction to user A, user B first instructs the user terminal 2 to start up the bank application 21. Upon receiving this instruction, the user terminal 2 starts up the bank application 21 (S101). Subsequent processes of the user terminal 2 are realized by the bank application 21.

[0044] Next, User B inputs the instructor authentication information notified by the previous instructor setting process, and instructs the user terminal 2 to log in to the banking system 1. Based on the instruction from User B, the user terminal 2 transmits an instructor authentication request to the banking system 1 to log in to the banking system 1 as an instructor (S102).

[0045] When the banking system 1 receives an instructor authentication request sent from the user terminal 2 (S201), it authenticates user B as an instructor by comparing the instructor authentication information included in the instructor authentication request with the authentication information stored in the instructor DB12 (S202), and sends authentication success information indicating that the authentication was successful to the user terminal 2 (S203).

[0046] If authentication as an instructor fails, authentication failure information indicating this is sent from the banking system 1 to the user terminal 2, and the process ends. By carrying out such authentication process, it is possible to prevent a third party not recognized as an instructor from executing a process in the instruction mode.

[0047] When the user terminal 2 receives the authentication success information sent from the banking system 1 (S103), it displays an operation screen for the banking system 1 on the display unit 22 (S104). This operation screen is for user B to use the banking system 1 as an instructor for user A. As will be described later, information indicating that processing is being performed in instruction mode is displayed in a predetermined location on the operation screen. By making a predetermined input on this operation screen, various processes related to user A's deposit account are executed in the banking system 1. Examples of these processes will be described later.

[0048] The input operation itself on the operation screen may be performed by user B while showing the operation screen to user A, or may be performed by user A while receiving guidance from user B. In either case, the operation is performed under the guidance of user B (instructor). A request to the banking system 1 generated by an operation performed under the guidance of an instructor in this way corresponds to a request from an instructor.

[0049] Under the guidance of User B, a process execution request to execute a process related to User A's deposit account is input to the operation screen. Upon receiving this input (S105), the user terminal 2 transmits the process execution request to the banking system 1 (S106).

[0050] When the banking system 1 receives the process execution request transmitted from the user terminal 2 (S204), it executes the requested process in the instruction mode (S205). An example of the process in this instruction mode will be described later.

[0051] Next, the banking system 1 transmits processing result information indicating the processing result to the user terminal 2 (S206), and stores a log of the processing in the processing log DB 13 (S207). This log includes information indicating that the processing was performed in the instruction mode.

[0052] When the user terminal 2 receives the processing result information transmitted from the banking system 1 (S107), it displays the processing result indicated by the processing result information on the display unit 22 (S108). By checking this display together with user B, user A can understand what operation will result in what processing result.

[0053] When user B has finished providing instruction to user A, he instructs the user terminal 2 to end the process. When user terminal 2 accepts this instruction (YES in S109), it ends the process. On the other hand, when user B wants to continue providing instruction to user A, he instructs the user terminal 2 to display the operation screen. When user terminal 2 accepts this instruction (NO in S109), it returns to step S104, and the subsequent processes are executed in the same manner as above. This is repeated until user B instructs user terminal 2 to end the process.

[0054] Next, a specific example of the process related to a deposit account performed in the instruction mode execution process will be described with reference to an example of the display screen of the user terminal 2. Note that each process described below can also be performed in the normal mode, but in the instruction mode, the functions are more limited than in the normal mode.

[0055] <Balance inquiry> Bank application 21 has a function for checking the balance of each deposit account. When a request for checking the balance of user A's deposit account is made from the operation screen of bank application 21 under the guidance of user B, banking system 1 extracts the balance of the deposit account, edits it (S205), and transmits processing result information indicating the edited balance to user terminal 2 (S206). In this case, banking system 1 edits the balance by hiding certain digits of the deposit account balance, changing the numerical value of certain digits, blacking out the entire balance, or replacing it with a virtual balance, so as not to provide the true balance to user terminal 2. In this way, the function of checking the true balance is limited in the balance inquiry in the instruction mode.

[0056] FIG. 3 is a diagram showing an example of a balance inquiry result screen that displays the processing result of a balance inquiry. As shown in FIG. 3, the balance inquiry result screen displayed on the display unit 22 of the user terminal 2 displays the deposit balance of the deposit account of user A. User A, who refers to this balance inquiry result screen together with user B, can understand what operation is required to know the balance of the deposit account. Note that the deposit balance displayed on the balance inquiry result screen at this time is a virtual balance, not a true balance, which has been edited as described above. Therefore, even if user B can confirm this balance, no particular problem will arise. Note that, as shown in FIG. 3, information indicating that the program is being executed in instruction mode (in the example of FIG. 3, a message "Logged in with instructor account" (similar to the following drawings)) is displayed, so that user A is prevented from mistakenly recognizing that the balance on the screen is the true balance.

[0057] <Inquiry of deposit and withdrawal details> The bank application 21 has a function for inquiring about deposit and withdrawal details of each deposit account. When a request for an inquiry about deposit and withdrawal details of user A's deposit account is made from the operation screen of the bank application 21 under the guidance of user B, the banking system 1 generates virtual deposit and withdrawal details (S205) and transmits processing result information indicating the deposit and withdrawal details to the user terminal 2 (S206). In this case, the banking system 1 may process actual deposit and withdrawal details to generate virtual deposit and withdrawal details, or may use predetermined deposit and withdrawal details as the virtual deposit and withdrawal details. In this way, the function of checking actual deposit and withdrawal details is limited in the deposit and withdrawal details inquiry in the instruction mode.

[0058] FIG. 4 is a diagram showing an example of a deposit / withdrawal statement inquiry result screen that displays the processing result of the deposit / withdrawal statement inquiry. As shown in FIG. 4, the deposit / withdrawal statement inquiry result screen displayed on the display unit 22 of the user terminal 2 displays the deposit / withdrawal statement of user A's deposit account, the deposit balance at the time of the deposit / withdrawal, and the current deposit balance. User A, who refers to this deposit / withdrawal statement inquiry result screen together with user B, can understand what operations need to be performed to know the deposit / withdrawal statement. Note that the deposit balance displayed on the deposit / withdrawal statement inquiry result screen at this time is a virtual balance that has been edited in the same way as in the case of a balance inquiry. In addition, the contents of the deposit / withdrawal statement are also virtual. Therefore, even if user B can confirm these balances and deposit / withdrawal statements, no particular problem will occur. Note that, as shown in FIG. 4, information indicating that the operation is being performed in the instruction mode is displayed, so that user A is prevented from mistakenly recognizing that the deposit / withdrawal statement and balance on the screen are actual.

[0059] <Enable password card> The bank application 21 has a function of activating a password card issued by a financial institution to each owner of a deposit account. Fig. 5 is a diagram showing an example of an activation request screen (corresponding to an operation screen) for requesting activation of the password card. As shown in Fig. 5, the activation request screen displayed on the display unit 22 of the user terminal 2 displays input fields for inputting the branch number of the financial institution, the account number, and the first PIN.

[0060] When the activation button 201 is tapped after inputting information into each input field on the activation request screen under the guidance of user B, the user terminal 2 transmits a processing execution request including the input information to the banking system 1 (S106). In response to the processing execution request, the banking system 1 automatically notifies user A by telephone (S205). Upon receiving this automatic telephone notification, user A performs a predetermined operation (e.g., inputs a specific number notified separately) under the guidance of user B. This completes the activation of the password card.

[0061] <Transfer> The bank application 21 has a function of executing a transfer from a deposit account. Below, the processes related to this transfer function, such as registering a transfer destination, executing a transfer, and creating transfer data, will be described with reference to example display screens.

[0062] The bank application 21 allows a user to register a transfer destination in advance. Fig. 6 is a diagram showing an example of a transfer destination registration screen (corresponding to an operation screen) for registering the transfer destination. As shown in Fig. 6, the transfer destination registration screen displayed on the display unit 22 of the user terminal 2 displays input fields for inputting the recipient's name, financial institution, branch name, account number, and first PIN (pre-set authentication information).

[0063] When the user B, under his / her guidance, inputs information into each input field on the transfer destination registration screen and then taps the register button 202, the user terminal 2 transmits a process execution request including the input information to the banking system 1 (S106). In response to the process execution request, the banking system 1 executes the registration of the transfer destination (S205). As a result, the entered transfer destination is associated with user A and stored in the owner DB11.

[0064] When making a transfer using the bank app 21, a transfer destination registered as described above can be selected. Fig. 7 is a diagram showing an example of a transfer destination selection screen (corresponding to an operation screen) for selecting a specific transfer destination from among registered transfer destinations. As shown in Fig. 7, the transfer destination selection screen displayed on the display unit 22 of the user terminal 2 displays registered transfer destinations. The display area of ​​each transfer destination can be selected by tapping.

[0065] When a specific transfer destination is selected from the transfer destination selection screen under the guidance of user B and the selection button 203 is tapped, the user terminal 2 transmits a process execution request including information identifying the selected transfer destination to the banking system 1 (S106). In response to the process execution request, the banking system 1 sets the selected transfer destination as the transfer destination for the transfer to be executed (S205).

[0066] When the transfer destination has been set as described above, and further necessary items such as the transfer amount and transfer date have been set, it is possible to execute the transfer. Figure 8 is a diagram showing an example of a transfer execution screen for executing a transfer. As shown in Figure 8, the transfer execution screen displayed on the display unit 22 of the user terminal 2 displays the transfer amount, transfer date, and transfer destination.

[0067] When the transfer button 204 is tapped under the guidance of user B, the user terminal 2 transmits a process execution request to the banking system 1 to instruct the transfer process (S106). The banking system 1 executes the transfer process in response to the process execution request (S205). However, in the instruction mode, no actual transfer process is performed, and only a virtual transfer process is executed. Therefore, no remittance is made from user A's deposit account. In other words, in the instruction mode, the function of transferring money from a deposit account is restricted.

[0068] In this embodiment, the virtual transfer process corresponds to a process of deducting the transfer amount from the virtual deposit balance of the deposit account (the deposit balance that can be confirmed by the above balance inquiry). The banking system 1 transmits processing result information indicating the result of this virtual transfer process to the user terminal 2 (S206).

[0069] FIG. 9 is a diagram showing an example of a transfer result screen that displays the result of a transfer process. As shown in FIG. 9, the transfer result screen displayed on the display unit 22 of the user terminal 2 displays the balance of the deposit account of user A after the transfer process. This balance is the amount obtained by subtracting the current transfer amount from the virtual deposit balance. In this way, even in a virtual transfer process, user A can confirm that the transfer amount is subtracted from the deposit balance, so that user A can learn how to operate bank application 21 in an environment close to reality. Note that, as shown in FIG. 9, information indicating that the program is being executed in instruction mode is displayed, so that user A is prevented from mistakenly recognizing that the balance on the screen is actual.

[0070] Furthermore, the bank application 21 has a function of creating transfer data in an instruction mode that can be executed in a normal mode. Fig. 10 is a diagram showing an example of a transfer data creation screen (corresponding to an operation screen) for creating transfer data. As shown in Fig. 10, the transfer data creation screen displayed on the display unit 22 of the user terminal 2 displays input fields for inputting the transfer amount, transfer date, and transfer destination. Here, the transfer destination may be designated from among the transfer destinations registered as described above.

[0071] When the user B, under his / her guidance, inputs information into each input field on the transfer data creation screen and then taps the transfer data creation button 205, the user terminal 2 transmits a processing execution request including the input information to the banking system 1 (S106). In response to the processing execution request, the banking system 1 creates and registers the transfer data (S205). As a result, the created transfer data is associated with the user A and stored in the owner DB11.

[0072] As described above, in the instruction mode, functions are restricted and each process is executed by operating the bank application 21. This allows the owner (user A) receiving instruction from the instructor (user B) to learn how to operate the bank application 21 without suffering any particular disadvantage.

[0073] (3) Normal mode execution process The following normal mode process is performed when the deposit account owner operates bank application 21 in his / her capacity. The following describes an example in which user A, who has received guidance from user B as described above, operates bank application 21.

[0074] 11 is a flowchart showing the procedure of the normal mode execution process executed by the banking system 1 and the user terminal 2. User A first instructs the user terminal 2 to start up the bank application 21. Upon receiving this instruction, the user terminal 2 starts up the bank application 21 (S301). Subsequent processes of the user terminal 2 are realized by the bank application 21.

[0075] Next, User A inputs predetermined authentication information and instructs User Terminal 2 to log in to the banking system 1. Based on the instruction from User A, User Terminal 2 transmits an identity authentication request to the banking system 1 to log in to the banking system 1 as the account owner (S302).

[0076] When the banking system 1 receives an identity authentication request sent from the user terminal 2 (S401), it authenticates user A as the owner by comparing the authentication information included in the identity authentication request with the authentication information stored in the owner DB11 (S402), and sends authentication success information indicating that the authentication was successful to the user terminal 2 (S403).

[0077] From this point onwards, except for step S405, the process is the same as in the instruction mode execution process, so the corresponding step numbers are used and the explanation is omitted. In step S405, the banking system 1 executes the process requested by user A in normal mode. In this normal mode, unlike the instruction mode, each process is executed without functional restrictions. Therefore, it becomes possible to inquire about the actual deposit balance and deposit / withdrawal amounts of the deposit account, and also to carry out processes involving the transfer of funds such as transfer processes and password changes. By using the operations learned as a result of the instruction from user B, user A can check the actual deposit balance and deposit / withdrawal details, and execute each process related to transfers.

[0078] When making a transfer using the bank application 21, user A can select a transfer destination registered in the instruction mode. User A can also execute a transfer process using the transfer data registered in the instruction mode. This makes it possible to easily execute a transfer process using the bank application 21.

[0079] Naturally, in the normal mode execution process, the screen displayed on the display unit 22 of the user terminal 2 does not display any information indicating that the process is being executed in the instruction mode. This prevents user A from mistaking the displayed deposit balance, etc., for a virtual one.

[0080] Furthermore, the log stored in the process log DB 13 in step S407 includes information indicating that the process was executed in normal mode. Therefore, by referring to the process log DB 13, it is possible to know whether each process was executed in the instruction mode or the normal mode. This is expected to have the effect of quickly identifying the process related to the fraud, for example, if a fraud occurs.

[0081] (4) Instructor termination process User A, who has become accustomed to operating the bank application 21, launches the bank application 21 on the user terminal 2 and logs into the banking system 1. User A then operates the bank application 21 to input information indicating that instruction on operations by User B is no longer necessary. FIG. 12 is a diagram showing an example of an instructor function release screen for inputting the information. In the example shown in FIG. 12, the name of the set instructor is displayed, and a release button 206 is provided to notify that instruction by that instructor is no longer necessary. When User A taps the release button 306, the user terminal 2 transmits information indicating that instruction by the instructor is no longer necessary to the banking system 1.

[0082] Upon receiving this information, the banking system 1 deletes the information related to user B from the instructor DB 12. As a result, processing related to user A's deposit account will no longer be executed in instruction mode. In other words, the instructor function is deactivated for user A's deposit account. By deactivating the instructor function in this way when it is no longer needed, it is possible to prevent a third party from impersonating an instructor and performing fraudulent processing.

[0083] (Other embodiments) In the above embodiment, the transfer data registered in the instruction mode can be used to execute the transfer in the normal mode, but the transfer data may also be used to execute the transfer in the instruction mode. This is because a transfer is an important process involving the movement of funds, and it is assumed that an elderly person who is not familiar with operating the bank application 21 may wish to execute the transfer under the guidance of an instructor. However, even in this case, it is preferable that the instructor is not able to check the deposit balance after the transfer. For this reason, for example, only information indicating that the transfer process has been executed is displayed as the processing result on the display unit 22 of the user terminal 2, and the deposit balance after the transfer may be notified to the user by another means such as SMS.

[0084] In the above embodiment, the process log DB 13 stores logs that can identify whether a process was performed in normal mode or instruction mode, but the logs that can identify that a process was performed in instruction mode may also include information about the instructor at that time (e.g., the instructor's name, etc.). In this case, when the banking system 1 outputs a log to an external device, the log may also include information about the instructor. [Explanation of symbols]

[0085] 1. Internet banking system 11 Owner Database 12 Instructor Database 13 Processing Log Database 2. User terminal 21 Banking app (program) 22 Display section 23 Input section 3. Banking System 101 Internet 102 Dedicated Line

Claims

1. 1. An Internet banking system that executes processing related to each deposit account of a financial institution in response to a request received from an external device that executes a program for receiving Internet banking services, an execution means for executing a process related to the deposit account in a normal mode when the request is received from the owner of the deposit account, and for executing a process related to the deposit account in an instruction mode having functions more limited than those in the normal mode when the request is received from an instructor who instructs the owner on the operation of the program; providing means for providing processing result information indicating a result of the processing to the external device; An internet banking system comprising:

2. An authentication means for authenticating each of the owner and the instructor based on authentication information that is set in advance for each of the owner and the instructor. Further equipped with the execution means executes the process in the normal mode when the owner is authenticated, and executes the process in the instruction mode when the instructor is authenticated. The internet banking system according to claim 1.

3. the execution means executes a process for editing the deposit balance of the account in the instruction mode; 3. The internet banking system according to claim 1 or 2.

4. The instructor is a holder of another account at the financial institution; the execution means executes the process in the normal mode when the instructor makes the request as the owner of the other account.

4. The internet banking system according to claim 1.

5. A confirmation means for confirming with the owner whether or not the instruction by the instructor is necessary. Further equipped with the execution means executes a process in the instruction mode when it is confirmed that the instruction is necessary from the owner.

5. The internet banking system according to claim 1.

6. when providing processing result information indicating a result of the processing in the instruction mode, the providing means includes information indicating that the processing was performed in the instruction mode in the processing result information.

6. The internet banking system according to claim 1.

7. a recording means for recording a log that can identify whether the processing is in the normal mode or the instruction mode; Further comprising:

7. The internet banking system according to claim 1.

8. A receiving means for receiving a notification from the owner that the instruction is no longer necessary. Further equipped with when the execution means receives the notification, the execution means does not execute the process in the instruction mode.

8. An internet banking system according to any one of claims 1 to 7.

9. the execution means executes setting of a transfer destination for a transfer from the account in the instruction mode, and executes a transfer to the transfer destination in the normal mode; 9. The internet banking system according to claim 1.

10. the execution means executes a virtual transfer and a calculation of a deposit balance after the virtual transfer in the instruction mode; 10. The internet banking system according to claim 1.

11. the execution means executes registration of transfer data for a transfer from the account in the instruction mode, and executes a transfer according to the transfer data in the normal mode; 11. The internet banking system according to any one of claims 1 to 10.

12. the execution means executes a transfer according to the transfer data in the instruction mode; The internet banking system according to claim 11.

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