JP2003187075A - Financial information aggregation and fund transfer programs - Google Patents

Abstract

(57) [Summary] [Problem] A format in which a user can directly collect account information of a plurality of financial institutions without depositing a transaction ID or password to a third party and easily grasp the status of the entire asset. To display a list of account information. A computer has a first area for displaying an icon corresponding to an account on a one-to-one basis on a display screen of a computer, and a second area for displaying detailed financial information. Receiving the designated icon from the user, collecting the account information corresponding to the designated icon from the financial institution via the network, merging the collected account information and displaying the merged information in the second area And causing the computer to execute.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial information management system, and more specifically, to aggregating account information of a plurality of financial institutions of a user and transferring funds between financial institutions via a network. The present invention relates to a financial information aggregation program and a money transfer program to be directly executed with a site of a financial institution.

[0002]

2. Description of the Related Art Various services have been provided for collecting financial information held by financial institutions through a network such as the Internet and for helping users to manage assets. One of them is an aggregation service that aggregates information on transaction accounts of a plurality of financial institutions held by a user and displays the information on a screen of a terminal on the user side.

In order to receive this aggregation service, a user pre-registers a plurality of financial transaction account identifiers (IDs) and passwords in an application service provider (ASP) called an aggregation center, for example, via the Internet, and then performs the aggregation. The center receives the login ID for the aggregation service.

The user logs in to the site of the aggregation center in order to actually receive the provision of the aggregation service, and the aggregation center acquires account information and the like on behalf of the user from the sites of a plurality of financial institutions via the Internet. Then, the financial account information is displayed on the display screen of the user terminal. The aggregation center stores IDs and passwords of multiple financial transaction accounts in preparation for user login.

The following documents are known as conventional techniques for performing asset management including such aggregation. Reference 1) Japanese Patent Laid-Open No. 10-222581 “Financial information intermediary processing device and storage medium storing program thereof” Document 2) Japanese Patent Laid-Open No. 2001-195507 “Asset management ledger system, asset management device, asset management method, and asset management program” "Recording medium in which is recorded" Reference 3) JP 2001-290941 "Fund transfer control device having a simulation function" Reference 4) JP 2001-306804 "Multi-bank payment information management system and its method" A financial information intermediary processing device is disclosed that enables selection of various financial information provided by an institution according to a user's preference.

[0006] Document 2 discloses an outsourcing service function for easily and quickly centrally managing asset information of a financial institution for each individual customer. Document 3 discloses a technique of simulating the account balance after the transfer of funds in advance before executing the transfer of funds between the banks.

In Reference 4, the database marketing system uses the account settlement information for each financial institution, which is acquired by the user via the Internet, so that the user can manage the household budget collectively. Are organized and integrated and sent back to the user terminal.

[0008]

As described above,
For example, in the conventional aggregation service, the user needs to deposit the transaction ID and the password with the financial institution in the aggregation center which is the third party, and there is a problem that the user is concerned about security and privacy.

Also, when displaying the account information by such an aggregation service, the display method is fixed, and the user can freely change the display method according to the reference purpose of the information. In addition, even though the account information is displayed, it is a display that simply arranges the information of each account, and it is not easy to grasp what the situation of the total funds held by the user is. There was a point.

Further, when transferring funds between accounts,
The user has to access the site of each bank to instruct the transfer of funds, and the user cannot operate the transfer of funds while checking the balance of the account, for example. there were.

In view of the above problems, an object of the present invention is to allow a user to directly access the site of a financial institution through the Internet without depositing a transaction ID or password with a financial institution with a third party, We provide a financial information aggregation program that aggregates account information of multiple financial institutions and enables you to easily display the account information list display that allows you to easily understand the status of the total funds held by users. Is to provide a fund transfer program that can instruct the financial institution site to transfer funds while checking the status of the account.

[0012]

FIG. 1 is a functional block diagram showing the principle of the financial information aggregation program according to the present invention. This figure shows a program used to aggregate financial information of a plurality of financial institutions, and a first area in which icons corresponding to user accounts are displayed on the display screen in a one-to-one relationship.
It is a principle functional block diagram of the program used by the computer provided with the 2nd area | region where detailed financial information is displayed.

In FIG. 1, procedure 1 of receiving designations of a plurality of icons displayed in the first area from the user
And the procedure for collecting the account information corresponding to the specified icon from each financial institution's site via the network.
It is a feature of the financial information aggregating program of the present invention that the computer executes the procedure 3 of merging the collected account information and displaying in the second area in time series.

In the embodiment of the invention, the above-mentioned first
Areas and second areas are provided on the display screen, for example, the plurality of first areas are used for a plurality of users, and the plurality of second areas are, for example, account types. It is used to distinguish the regions according to, for example.

Further, in the embodiment, a third area in which an icon corresponding to the program is displayed is further provided on the display screen, and the account information collecting program displayed in the third area is provided in the financial information collecting program. It is possible to further include a procedure for receiving the designation of the icon corresponding to the program from the user.

Further, the fund transfer program of the present invention is a program used for transferring funds between the accounts of two financial institutions, and has a one-to-one correspondence with the user's account on the display screen. A procedure for receiving a designation of a first icon and a second icon in the area and a designation of a fund transfer amount from a user, which is used by a computer having an area where an icon is displayed, Transfer of funds from the financial institution's account corresponding to the second icon to the financial institution's account corresponding to the second icon via the network
The computer is caused to execute the procedure for instructing the financial institution corresponding to the icon.

In the present invention, as a program used to collect financial information of a plurality of financial institutions, a procedure for accessing a distribution service site of an aggregation object for accessing a financial institution site, and an aggregation from the sites. A procedure for receiving the object, a procedure for registering the transaction account ID and password in the received aggregation object, and I
A financial information collecting program is used that causes a computer to directly access a financial institution's site via a network to collect financial information by using an aggregation object in which a D password is registered.

As a storage medium in the embodiment, the computer is made to execute each step corresponding to each procedure of the above-mentioned financial information aggregation program, and the computer is made to execute each step corresponding to each procedure of the money transfer program. In addition, a computer-readable portable storage medium for causing a computer to execute each step corresponding to each procedure of the financial information collecting program is used.

As a financial information gathering method in the embodiment, the above-mentioned first area and second area are prepared on a display screen of a computer, and each operation corresponding to each procedure of the financial information gathering program is sequentially executed. Method is used. Further, as a fund transfer method, a method of preparing the aforementioned icon display area and sequentially executing respective operations corresponding to respective procedures of the fund transfer program is used.

Further, the financial information aggregating apparatus according to the embodiment is provided with the above-mentioned first area and second area on the display screen, and includes means for executing operations corresponding to respective procedures of the financial information aggregating program. Prepare The money transfer control device
The above-mentioned icon display area is provided, and each means for executing an operation corresponding to each procedure of the fund transfer program is provided.

As described above, according to the present invention, the account I
It is possible to perform the operations of collecting financial information and transferring funds without depositing the D and password with a third party.

[0022]

FIG. 2 shows an overall configuration of a service system for realizing a direct aggregation service in the present invention, and FIG. 3 is an overall flowchart of processing executed by a user terminal to receive an aggregation service. is there.

In FIG. 2, the user terminal 10 accesses the site 12 of the delivery service provider via the Internet 11 as shown in step S1 of FIG. 3, and delivers the aggregation object via the Internet 11 in step S2. The aggregation object 13 to be processed is received.

This aggregation object is I
It uses the basic technology of information distribution using objects called DBA (Information Distribution by Agent), and the user (user) side includes the information to be distributed and a tool that conveniently uses that information. And can be received as an aggregation object.

The user can use this object to perform higher-level processing than using a general web browser. That is, in this embodiment,
It becomes possible to directly access the site of the financial institution via the Internet. The ID and password for accessing the site on the financial institution side are required only for that access, but it is not necessary to inform the service provider in FIG. 2 of the ID and password on the financial institution side. After being delivered,
The ID and password of the financial institution side may be registered in the object, and the object may be managed inside the user terminal 10, so that the user can maintain the confidentiality of the ID and password.

The IDBA technology is realized using JAVA (registered trademark). A program written in the JAVA (registered trademark) language is written by a compiler, for example, in JAVA.
It is converted into a binary code called a (registered trademark) applet, but the content of this code does not depend on the architecture of a specific operating system or CPU.
For this reason, the JAVA (registered trademark) program operates in a platform-independent manner.
Not only (registered trademark) but also Linux (registered trademark) and the like can be operated.

In FIG. 2, the ID and password on the financial institution side are registered in the aggregation object 13 distributed to the user terminal 10 as shown in step S3 of FIG. 3, and the aggregation object is used in step S4. Access to financial institution sites and collection of financial information.

This access is executed directly to the site of each financial institution via the Internet 11 as shown in FIG. For example, account information is directly collected by the user's personal computer from each of the sites 14a, 14b, 14c, 14d, ... Of a plurality of financial institutions, and is displayed as a list on the display of the user terminal 10, for example.

FIG. 4 is a configuration block diagram of the aggregation service system centering on the internal configuration of the user terminal 10. In the figure, the user terminal 10 is connected to a distribution server 17 and servers 18 of a plurality of financial institutions via the Internet 11. The distribution server 17
It corresponds to the server on the site 12 side of the service provider in FIG. 2, and delivers the aggregation object in response to a request from the user terminal 10.

The distribution server 17 is generally different from the financial institution server 18, but the financial institution server 1
8 may also serve as the distribution server 17. That is, it is also possible to distribute data for each financial institution to access its own account, data for purchasing a product of its own institution, and an object including necessary tools.

In FIG. 4, the user terminal 10 includes an asset folder management unit 21, a class folder management unit 22, an object management unit 23, a communication control unit 24, and an input / output control unit 25.

The asset folder corresponds to the above-mentioned first area on the display of the user terminal 10, and the personal asset data is stored in the object received from the distribution server 17 of FIG. 4 in order to manage the personal asset information. This is a folder that holds the input object, and the asset folder management unit 21 manages this asset folder.

The class folder corresponds to the aggregation object distributed from the distribution server 17, that is, basically the above-mentioned third area for managing the program, which is distributed from the distribution server 17 and before the personal data is input. Objects are kept in the class folder. For example, the user's personal data is input to the personal information object held in the class folder, and the result is stored in the asset folder. Class folder management unit 22
Manages this class folder.

The object management unit 23 stores, for example, asset objects for managing asset folders and account information collected from each financial institution server 18.
It manages asset operation objects for displaying a list in a list display window corresponding to the above-mentioned second area and transferring funds between financial institutions, that is, for transferring funds.

The communication control unit 24 controls communication as the user terminal 10 via the Internet 11, and the input / output control unit 25 performs data input / output with a user, for example.

As described above, in this embodiment, it corresponds to the above-mentioned first area, an asset folder for managing personal asset information, and a second area. The operability is improved by dividing the display screen into three areas, which correspond to the used area and the third area and are class folders for managing programs.

If a plurality of first areas are provided and the areas are distinguished for each user, management of personal information is facilitated, and if a plurality of second areas are provided and the kind of transaction to be referred to is distinguished, the information can be obtained. Easy to see.

FIG. 5 shows the structure of an object managed by the object management unit 23 of FIG. The asset object 27 is an object for managing the asset folder as described above, and as an asset folder, an icon display data management unit 31 that manages the display data of the icon to be displayed in the first area on the display. A communication unit 32 that controls the communication of the user, a personal data management unit 33 that manages the personal data of the user, an account data management unit 34 that manages the account data that the user holds in each financial institution, and the like.

The asset operation object includes the asset operation object 28 for displaying a list of account data as described above, the asset operation object 29 for transferring funds between financial institutions, and the like. .
The asset operation object 28 for displaying the list is
An icon display data management unit 36 that manages icons displayed in the first area and the like, a communication unit 37 that controls communication that collects data for list display, and a list display control unit 38 that controls list display of account information. And so on.

The asset operation object 29 for fund transfer is provided with an icon display data management section 40, a communication section 41 for controlling communication for fund transfer, a fund transfer control section 42 for displaying fund transfer, and the like. There is.

FIG. 6 is a flow chart of the account list display process in this embodiment, that is, the process for displaying a list of the account information collected from the sites of each financial institution. When the process is started in the figure, first, step S
At 10, the asset folder is displayed, that is, displayed in the first display area on the display of the user terminal, and the user's designation of the first icon corresponding to the first account held by the user is accepted.

In step S11, the first icon is
Corresponding to the above-mentioned second area, it is determined whether or not it has been dragged and dropped into an account list window, which will be described later, on the display of the user terminal. If such an operation is not performed by the user, the account list is displayed. The display process is terminated and another necessary process is performed.

If the decision result in the step S11 is YES, a site for managing an account of the financial institution corresponding to the first icon is accessed through the internet 11 in a step S12 to obtain deposit / withdrawal information of the account. The processing is performed, and the deposit / withdrawal information of the first account acquired in the account list window in step S13 is displayed in time series.

In step S14, the value of N corresponding to the number of financial institution accounts is set to 2, and it is determined in step S15 whether the Nth icon in the asset folder has been dragged and dropped into the account list window. If such an operation is not performed, the process ends at that point. In that case, the first corresponding to the first icon
Only the deposit / withdrawal information of the account will be displayed in the account list window.

When the determination in step S15 is YES,
In step S16, access to the account of the financial institution associated with the N icon, here the second icon, and acquisition of deposit / withdrawal information of the account are performed.
The account information acquired in step 17 and already displayed, the first account information is merged in time series here, total information is created, lines are aligned so that the dates and times match, and step S1
8 pieces, N pieces, here two pieces of account information and total information are displayed.

Then, in step S19, the value of N is incremented, and the processing from step S15 is repeated. This enables the user to obtain money information of all accounts held in each financial institution, display a list of them, and display total information.

As a result, the information of a plurality of accounts can be collectively provided to the user as one piece of information, and the user can easily grasp the asset status such as how much is used and how much remains. become.

FIG. 7 is a flowchart of the asset transfer process. When the process is started in the figure, step S21
In step S22, the user's designation of the first icon in the asset folder is accepted, and in step S22, the first icon in the asset folder, that is, the first icon in the first area, is overlaid on the second icon in the same first area. It is determined whether the drag-and-drop has been performed, and if such an operation has not been performed by the user, the processing for moving the funds is ended and the processing shifts to another processing.

If the result of the determination in step S22 is YES, the account corresponding to the first icon is used as the fund transfer source and the account of the second icon is used as the transfer destination in step S23. Prompts the user to make an input.

Subsequently, in step S24, an instruction for moving the input amount to the financial institution corresponding to the second account is transmitted to the site of the financial institution corresponding to the first account, and the process is executed. finish. Here, it is not necessary to notify the site of the financial institution to which the funds are transferred.

In FIG. 7, the process of confirming the account balance before the transfer of funds is not performed, but the balance of the first account may be confirmed before the transfer of funds, or the first account and the second account may be checked. It is also possible to display the deposit / withdrawal information with respect to the account or the balance information in the account list window in advance by the process of FIG. 6 and update the display according to the actual fund transfer status of the account.
Further, after instructing the transfer of funds, the processing may be terminated after receiving the processing completion notification from the site of the financial institution corresponding to the first account.

Next, a screen display example when receiving such an aggregation service will be described. First, FIG.
Is a display example of a class folder and an asset folder. As described above, the class folder, that is, the left window holds the aggregation objects distributed from the service provider's site in FIG. 2, and the asset folder, that is, the right window stores, for example, personal asset data in the class folder. After being entered into an object in, that object is saved and displayed.

FIG. 8 shows a state in which personal data such as a name and date of birth is input to the personal object held in the class folder, and the personal object is stored in the asset folder.

FIG. 9 shows an ID for a transaction object of a financial institution.
FIG. 9 is an explanatory diagram showing a state in which personal information such as a password and a password is input and stored in the asset folder. In the figure,
A bank's deposit settings window opens, showing that the user is entering account numbers, passwords, holders, etc., and financial institution transaction objects with such personal data entered are stored in the asset folder. Be stored. Similarly, IDs and passwords are input to transaction objects of other banks and stored in the asset folder.

FIG. 10 shows a screen display example in a state where the account list object in the class folder is opened. As described in FIG. 9, each icon corresponding to the transaction object of the financial institution in which the ID, password, etc. are input is displayed in the asset folder, and the account list window corresponding to the second area described above is displayed. The open state is shown.

FIG. 11 shows a state in which a list of account information is displayed. On the display screen of FIG. 10, by dragging and dropping icons corresponding to two financial institutions from the asset folder window to the account list window, the latest input / output money information at each financial institution can be displayed. It is displayed along with the total information in a format in which the date and time are arranged in the series. On the right side, "total" is displayed, which summarizes the transaction status of multiple accounts. In the example of FIG. 11, the payment (= withdrawal), deposit (= receipt), and balance that are merged for each transaction day are displayed.
For example, the line may be divided for each transaction, or the merged result for each fixed period may be displayed. By checking this “total” column, the user can easily understand what kind of situation the individual account as a whole, which is a combination of multiple accounts, is in.

FIG. 12 is an example of a screen display in the fund transfer process. This user has normal accounts at two branches of XX bank respectively, and from the branch account of XX bank corresponding to the icon on the right side in the asset folder to the branch account corresponding to the icon on the left side. To transfer funds, drag and drop the icon on the right side onto the icon on the left side on the asset folder to display the transfer window, and the user can enter the amount to enter the branch corresponding to the icon on the left side. Will be transferred to your account.

FIG. 13 shows an example of image display after the transfer is completed. It corresponds to the icon on the left side, indicating that the transfer has been made to a bank branch. In this embodiment, since the account information collected from the sites of each financial institution, that is, the financial asset information is collected in real time, a simulation combining personal asset information and financial product information on a personal computer, Processing can be executed freely. FIG. 14 is an explanatory diagram of such a simulation environment.

In FIG. 14, personal property information, that is, age, annual income, financial institution ID, password, etc., can be held in a personal computer without being given to a third party,
In addition, financial information is directly collected via the Internet in a format without any intermediary of an account aggregation provider.

That is, according to the embodiment of the present invention, it is possible to collect a plurality of account information without depositing IDs and passwords required by a third party on a financial institution site, and information on recent financial products can be obtained in real time. Since it can be collected in, the simulation can be freely executed on the personal computer by using this information.

Although the financial information gathering program, the fund transfer program, and the like of the present invention have been described in detail above, the user terminal that executes such a program can of course be configured as a general computer system. is there. FIG. 15 is a configuration block diagram of such a computer system, that is, a hardware environment.

In FIG. 15, the computer system includes a central processing unit (CPU) 50 and a read only memory (RO).
M) 51, random access memory (RAM) 52, communication interface 53, storage device 54, input / output device 5
5, a portable storage medium reading device 56, and a bus 57 to which all of them are connected.

As the storage device 54, a hard disk,
Various types of storage devices such as a magnetic disk can be used, and the storage device 54 or the ROM 51 has the programs shown in the flowcharts of FIGS. 3, 6, and 7 and the claims of the present invention. By storing a range of programs and the like and executing such a program by the CPU 50, it is possible to aggregate financial information, display a list of account information, transfer funds between accounts, and the like in the present embodiment.

Such a program may be stored in the storage device 54 from the program provider 58 side via the network 59 and the communication interface 53, or may be a commercially available and distributed portable storage medium 60.
Stored in, and set in the reader 56, the CPU 5
It is also possible that it is executed by 0. As the portable storage medium 60, a CD-ROM, a flexible disk,
Various types of storage media such as optical disks and magneto-optical disks can be used, and the program stored in such storage media is read by the reading device 56, so that the aggregation service according to the present embodiment can be enjoyed. Becomes

(Supplementary Note 1) A program for aggregating financial information of a plurality of financial institutions, including a first area in which an icon corresponding to a user's account is displayed on the display screen, and a detailed area. In a program used by a computer having a second area in which financial information is displayed, a procedure of receiving a designation of an icon displayed in the first area from a user and a procedure corresponding to the designated icon A financial information aggregation program for causing a computer to execute a procedure of collecting account information from each financial institution side via a network and a procedure of merging the collected account information and displaying the merged account information in the second area. .

(Supplementary note 2) The financial information aggregation program according to supplementary note 1, wherein a plurality of the first areas and the plurality of second areas are provided on the display screen. (Supplementary Note 3) A third area for displaying an icon corresponding to a program is further provided on the display screen, and corresponds to the account information collecting program displayed in the third area in the financial information collecting program. The financial information aggregation program according to appendix 1, further comprising a procedure of receiving designation of an icon from a user.

(Supplementary Note 4) This program is used to transfer funds between two financial institutions, and has a region on the display screen in which an icon corresponding to a user's account is displayed. In a program used by a computer, a procedure of receiving designation of a first icon and a second icon in the area and designation of a fund transfer amount from a user, and a financial institution corresponding to the first icon. And a computer instructing the financial institution corresponding to the first icon to transfer the fund from the account of the second icon to the account of the financial institution corresponding to the second icon through the network. program.

(Supplementary Note 5) In a program for collecting financial information of a plurality of financial institutions, a procedure for accessing a service site that delivers an aggregation object for accessing the sites of financial institutions, and receiving the aggregation objects from the service sites. The procedure, the procedure of registering the identifier and password of the transaction account after each financial institution in the received aggregation object, and the procedure of accessing the financial institution site by using the aggregation object in which the identifier and password are registered are calculated. Financial information aggregation program to be executed by.

(Supplementary Note 6) In a storage medium used by a computer for collecting financial information of a plurality of financial institutions, a step of accessing a service site for delivering an aggregation object for accessing a site of a financial institution, A step of receiving an aggregation object from the service site, a step of registering an identifier and a password of a transaction account for each financial institution in the received aggregation object, and a financial institution site using the identifier simulation and the aggregation object in which the password is registered. And a computer-readable portable storage medium storing a program for causing a computer to execute the step of accessing the computer.

(Supplementary Note 7) A storage medium for storing a program for aggregating the financial information of a plurality of financial institutions, in which the icon corresponding to the user's account is displayed on the display screen. Area and second financial information is displayed second
In the storage medium used by the computer, the step of receiving the designation of the icon displayed in the first region from the user, and the account information corresponding to the designated icon on the side of each financial institution. A computer-readable portable storage medium that stores a program for causing a computer to execute the steps of collecting the account information via a network and displaying the merged account information in the second area.

(Supplementary Note 8) A storage medium for storing a program used for transferring funds between two financial institutions, in which an icon corresponding to a user's account and a one-to-one correspondence is displayed on the display screen. In a storage medium used by a computer having an area to be displayed, a step of receiving a designation of a first icon and a second icon in the area and a designation of a money transfer amount from the user, Instructing the financial institution corresponding to the first icon to transfer the funds from the account of the financial institution corresponding to the icon of to the account of the financial institution corresponding to the second icon via the network. A computer-readable portable storage medium that stores a program for.

(Supplementary Note 9) In a method of aggregating financial information of a plurality of financial institutions, a first area in which an icon corresponding to a user's account is displayed on a display screen of a computer, and a detailed area A second area in which financial information is displayed is prepared, the designation of the icon displayed in the first area is received from the user, and the account information corresponding to the designated icon is received from each financial institution side. A method for consolidating financial information, which comprises collecting via a network, merging the collected account information, and displaying the merged account information in the second area.

(Supplementary Note 10) In the method used for transferring funds between two financial institutions, an area where an icon corresponding to a user's account and a one-to-one correspondence is displayed on a display screen of a computer. Prepare and receive the designation of the first icon and the second icon in the area and the designation of the amount of money to transfer the funds from the user, and the second icon from the account of the financial institution corresponding to the first icon. A method of transferring funds to a financial institution corresponding to the first icon is instructed via a network to transfer the funds to an account of a financial institution corresponding to.

(Supplementary Note 11) A device for consolidating financial information of a plurality of financial institutions, in which a user's account and 1
In a device having a first area in which an icon corresponding to pair 1 is displayed and a second area in which detailed financial information is displayed, means for receiving from designation of an icon displayed in the first area A means for collecting account information corresponding to the designated icon from each financial institution side via a network, and the collected account information are merged to obtain the second information.
And a means for displaying in the area of the financial information aggregating apparatus.

(Supplementary Note 12) A control device used for transferring funds between two financial institutions, which is an area in which an icon corresponding to a user's account is displayed on the display screen. In a device comprising: a means for receiving a designation of a first icon and a second icon in the area and a designation of a fund transfer amount from a user; and an account of a financial institution corresponding to the first icon. A means for instructing the transfer of funds to an account of a financial institution corresponding to the second icon to the financial institution corresponding to the first icon via a network, the funds transfer control device.

[0076]

As described in detail above, according to the present invention, the ID and password of the financial institution's transaction account can be directly accessed to the site of the financial institution, for example, via the Internet without depositing with a third party. , Aggregate account information,
It becomes possible to display the list of account information in a format that allows the user to easily grasp the status of the total funds held by the user.

Also, when transferring funds between financial institutions, it is possible to easily instruct the financial institutions to transfer funds while checking the status of accounts, which facilitates user operation. Become.

[Brief description of drawings]

FIG. 1 is a principle functional block diagram of a financial information aggregation program of the present invention.

FIG. 2 is a diagram showing an overall configuration of an aggregation service system.

FIG. 3 is an overall flowchart of processing executed by a user terminal.

FIG. 4 is a block diagram showing an internal configuration of a user terminal.

FIG. 5 is a diagram showing a structure of an object in the present embodiment.

FIG. 6 is a flowchart of an account list display process.

FIG. 7 is a flowchart of a fund transfer process.

FIG. 8 is an example of a screen display showing a state where personal objects are stored in an asset folder.

FIG. 9 is an example of a screen display showing a state where transaction objects are stored in an asset folder.

FIG. 10 is an example of a screen display showing a state where an account list object is opened.

FIG. 11 is an example of a screen display showing a state where the account information list is displayed.

FIG. 12 is an example of a screen display in the fund transfer process.

FIG. 13 is an example of a screen display after the transfer is completed.

FIG. 14 is an explanatory diagram of a simulation environment regarding financial assets.

FIG. 15 is a diagram illustrating loading of the program of the present invention into a computer.

[Explanation of symbols]

10 user terminals 11 Internet 12 Object service provider's site 13 Aggregation objects 14 financial institution sites 17 Delivery server 18 financial institution server 21 Asset Folder Management Department 22 Class Folder Management Department 23 Object Management Department 24 Communication control unit 25 I / O controller 27 Asset Objects 28,29 Asset operation object

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 3/00 657 G06F 3/00 657A (72) Inventor Manabu Kitagawa 1-6-1, Marunouchi, Chiyoda-ku, Tokyo No. Stock Company Fujitsu Research Institute (72) Inventor Tomohiro Yasuda 3-4-3 Shiba, Minato-ku, Tokyo Suntory Building 4F Sanio Co., Ltd. F-term (reference) 5E501 AC07 BA05 CA03 CB02 CB09 EA08 EA11 FA04 FA13 FA14 FA23 FA43 FA45

Claims (5)

[Claims] 1. A program for aggregating financial information of a plurality of financial institutions, which is a one-to-one correspondence with a user's account on a display screen.
In a program used by a computer having a first area in which an icon corresponding to is displayed and a second area in which detailed financial information is displayed, designation of an icon displayed in the first area Is received from the user, the account information corresponding to the designated icon is collected from each financial institution side via the network, and the collected account information is merged and displayed in the second area. A financial information aggregation program characterized by causing a computer to execute the procedure. 2. The financial information aggregating program according to claim 1, wherein a plurality of the first areas and a plurality of the second areas are provided on the display screen. 3. A third area in which an icon corresponding to a program is displayed on the display screen, and the financial information collecting program corresponds to the account information collecting program displayed in the third area. 2. The financial information aggregating program according to claim 1, further comprising the step of receiving the designation of the icon to be performed from the user. 4. A computer used for transferring funds between two financial institutions, the computer including an area on the display screen in which an icon corresponding to a user's account is displayed. In the program used by, the procedure for receiving the designation of the first icon and the second icon in the area and the designation of the amount of money transferred from the user, and the financial institution corresponding to the first icon. A fund transfer program characterized by causing a computer to execute a procedure for instructing a financial institution corresponding to the first icon via a network to transfer funds from an account to an account of a financial institution corresponding to the second icon. . 5. A program for collecting financial information of a plurality of financial institutions, a procedure for accessing a service site that distributes an aggregation object for accessing a financial institution site, and a procedure for receiving an aggregation object from the service site. , Causing the computer to execute the procedure of registering the identifier and password of the transaction account after each financial institution in the received aggregation object and the procedure of accessing the financial institution site by using the aggregation object in which the identifier and password are registered A financial information aggregation program for.