Client terminal device, storage medium product, bank server apparatus, information transmitting method, information transmitting program, and information transmitting/receiving program
First Claim
1. A client terminal device connected to a bank server apparatus, said client terminal device comprising:
- means for creating information transmitted to said bank server apparatus when said client terminal device is not connected to said bank server apparatus;
means for holding information created by said creating means; and
means for transmitting a part of the information held by said holding means, which is not yet transmitted to said bank server apparatus, to said bank server apparatus when said client terminal device is connected to said bank server apparatus.
1 Assignment
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Accused Products
Abstract
The invention provides an Internet banking system which can present services more familiar to daily life of individual users, and a bank server apparatus, etc. which can limit available banking services depending on user attributes. From the viewpoint of security, the invention reduces risks of information leak from a client terminal device to third persons and unauthorized accesses from third persons. Banking software for connection to the bank server apparatus is installed in the client terminal device. The banking software can display a screen transfer, etc. in the off-line condition. The banking software prepares transaction instruction data from information entered by the user on the displayed screen and temporarily holds it in the client terminal device. When the client terminal device is connected to the bank server apparatus, the held data is uploaded to the bank server apparatus. In the client terminal device, application software can be utilized in linkage with the banking software so as to display the contents of an electronic bankbook. As examples of the application software, household account-book software, petty cashbook software, etc. can be provided to users.
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Citations
67 Claims
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1. A client terminal device connected to a bank server apparatus, said client terminal device comprising:
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means for creating information transmitted to said bank server apparatus when said client terminal device is not connected to said bank server apparatus;
means for holding information created by said creating means; and
means for transmitting a part of the information held by said holding means, which is not yet transmitted to said bank server apparatus, to said bank server apparatus when said client terminal device is connected to said bank server apparatus. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method for transmitting information to a bank server apparatus, the method comprising the steps of:
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a first step of creating information transmitted to said bank server apparatus when connection to said bank server apparatus is not established;
a second step of holding the information created in said first step; and
a third step of transmitting a part of the information held in said second step, which is not yet transmitted to said bank server apparatus, to said bank server apparatus when the connection to said bank server apparatus is established.
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18. A method comprising the steps of:
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a first step of creating information transmitted to a client terminal device;
a second step of holding the information created in said first step;
a third step of establishing connection to said client terminal device; and
a fourth step of transmitting the information held in said second step to said client terminal device and receiving information transmitted from said client terminal device when the connection to said client terminal device is established in said third step.
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19. A program for operating a computer to execute a function of transmitting information to a bank server apparatus, the program rendering said computer to execute the functions of:
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a function of creating information transmitted to said bank server apparatus when connection to said client terminal device is not established;
a function of holding the information created by said creating function; and
a function of transmitting a part of the information held by said holding function, which is not yet transmitted to said bank server apparatus, to said bank server apparatus when the connection to said bank server apparatus is established.
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20. A program for operating a computer to execute the functions of:
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a function of creating information transmitted to a client terminal device;
a function of holding the information created by said creating function;
a function of establishing connection to said client terminal device; and
a function of transmitting the information held by said holding function to said client terminal device and receiving information transmitted from said client terminal device when the connection to said client terminal device is established by said connecting function.
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21. A computer-readable storage medium product storing an information transmitting program for operating a computer to execute a function of transmitting information to a bank server apparatus, the program rendering said computer to execute the functions of:
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a function of creating information transmitted to said bank server apparatus when connection to said client terminal device is not established;
a function of holding the information created by said creating function; and
a function of transmitting a part of the information held by said holding function, which is not yet transmitted to said bank server apparatus, to said bank server apparatus when the connection to said bank server apparatus is established.
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22. A computer-readable storage medium product storing an information transmitting/receiving program for operating a computer to execute the functions of:
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a function of creating information transmitted to a client terminal device;
a function of holding the information created by said creating function;
a function of establishing connection to said client terminal device; and
a function of transmitting the information held by said holding function to said client terminal device and receiving information transmitted from said client terminal device when the connection to said client terminal device is established by said connecting function. - View Dependent Claims (24, 25, 26, 28, 29)
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23. A client terminal device comprising:
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means for communicating with a bank server apparatus;
means for providing banking services from said bank server apparatus to a user with said communicating means; and
means for limiting contents of the banking services, which are provided to the user by said providing means, depending on the user.
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27. A program for operating a client terminal device to execute the functions of:
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a function of communicating with a bank server apparatus;
a function of providing banking services from said bank server apparatus to a user with said communicating function; and
a function of limiting contents of the banking services, which are provided to the user by said providing function, depending on the user.
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30. A method comprising the steps of:
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a first step of communicating with a bank server apparatus; and
a second step of providing banking services from said bank server apparatus to a user via communication in said first step;
wherein contents of the banking services, which are provided to the user in said second step, are limited depending on the user.
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31. A bank server apparatus comprising:
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means for accepting a log-in from a user;
means for limiting contents of banking services, which are provided to the user, depending on the user who has logged in and has been accepted by said log-in accepting means; and
means for providing banking services to the user, the banking services having contents limited by said limiting means. - View Dependent Claims (32, 33, 38, 39, 40, 41, 42, 43, 44)
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34. A method comprising the steps of:
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a first step of accepting a log-in from a user;
a second step of limiting contents of banking services, which are provided to the user, depending on the user who has logged in and has been accepted in said first step; and
a third step of providing the banking services to the user, the banking services having contents limited in said second step.
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35. A program for operating a bank server apparatus to execute the functions of:
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a function of accepting a log-in from a user;
a function of limiting contents of banking services, which are provided to the user, depending on the user who has logged in and has been accepted by said log-in accepting function; and
a function of providing the banking services to the user, the banking services having contents limited by said limiting function.
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36. A computer-readable storage medium product storing a banking service providing program for operating a bank server apparatus to execute the functions of:
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a function of accepting a log-in from a user;
a function of limiting contents of banking services, which are provided to the user, depending on the user who has logged in and has been accepted by said log-in accepting function; and
a function of providing the banking services to the user, the banking services having contents limited by said limiting function.
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37. A server apparatus comprising:
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means for accepting a log-in from one or more client terminal devices corresponding to one account;
means for acquiring ID information for identifying the client terminal device that previously logged in to said one account when said accepting means accepts a log-in from one of said client terminal devices;
means for acquiring display information regarding the client terminal device, which previously logged in to said one account, using the ID information acquired by said ID information acquiring means, said display information being displayed on the client terminal device that has logged in at this time and has been accepted by said accepting means; and
means for transmitting the display information acquired by said display information acquiring means to said client terminal device.
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45. A method comprising the steps of:
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a first step of accepting a log-in from one or more client terminal devices corresponding to one account;
a second step of acquiring ID information for identifying the client terminal device that previously logged in to said one account when a log-in from one of said client terminal devices is accepted in said first step;
a third step of acquiring display information regarding the client terminal device, which previously logged in to said one account, using the ID information acquired in said second step, said display information being displayed on the client terminal device that has logged in at this time and has been accepted in said first step; and
a fourth step of transmitting the display information acquired in said third step to said client terminal device.
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46. A program for operating a computer to execute the functions of:
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a function of accepting a log-in from one or more client terminal devices corresponding to one account;
a function of acquiring ID information for identifying the client terminal device that previously logged in to said one account, when a log-in from one of said client terminal devices is accepted by said accepting function;
a function of acquiring display information regarding the client terminal device, which previously logged in to said one account, using the ID information acquired by said ID information acquiring function, said display information being displayed on the client terminal device that has logged in at this time and has been accepted by said accepting function; and
a function of transmitting the display information acquired by said display information acquiring function to said client terminal device.
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47. A program for logging in to one account set in a server apparatus, the program operating a client terminal device to execute the functions of:
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a function of logging in to said one account set in said server apparatus;
a function of holding ID information for identifying and determining, among from other client terminal devices, a client terminal device that has logged in to said one account;
a function of transmitting the ID information held by said holding function to said server apparatus;
a function of receiving, from said server apparatus, display information for displaying information identifying the client terminal device that previously logged in to said one account; and
a function of displaying said display information received by said display information receiving function.
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48. A computer-readable storage medium product storing a program for operating a computer to execute the functions of:
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a function of accepting a log-in from one or more client terminal devices corresponding to one account;
a function of acquiring ID information for identifying the client terminal device that previously logged in to said one account, when a log-in from one of said client terminal devices is accepted by said accepting function;
a function of acquiring display information regarding the client terminal device, which previously logged in to said one account, using the ID information acquired by said ID information acquiring function, said display information being displayed on the client terminal device that has logged in at this time and has been accepted by said accepting function; and
a function of transmitting the display information acquired by said display information acquiring function to said client terminal device.
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49. A computer-readable storage medium product storing a program for logging in to one account set in a server apparatus, the program operating a client terminal device to execute the functions of:
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a function of logging in to said one account set in said server apparatus;
a function of holding ID information for identifying and determining, among from other client terminal devices, a client terminal device that has logged in to said one account set in said server apparatus;
a function of transmitting the ID information held by said holding function to said server apparatus;
a function of receiving, from said server apparatus, display information for displaying information identifying the client terminal device that previously logged in to said one account; and
a function of displaying said display information received by said display information receiving function.
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50. A server apparatus including means for transmitting, to a client terminal device, screen data for displaying a screen on a display of said client terminal device, said screen data having a program built therein to operate said client terminal device to execute the functions of:
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a function of determining whether a predetermined condition is satisfied; and
a function of changing at least a part of said screen into an indiscernible state when said predetermined condition is satisfied by said condition determining function. - View Dependent Claims (51, 52, 53, 54, 55, 56, 57, 58, 59, 60)
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61. A server apparatus comprising:
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means for transmitting, to a client terminal device, screen data for displaying a screen on a display of said client terminal device;
means for acquiring a connection time set for each set of said screen data;
means for counting time lapsed from transmission of said screen data to said client terminal device; and
means for cutting off line connection between said client terminal device and said server apparatus when the time counted by said time counting means reaches the connection time acquired by said connection time acquiring means.
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62. A method comprising the steps of:
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a first step of incorporating, in screen data transmitted to a client terminal device, a condition determining program for executing a condition determining function of determining whether a predetermined condition is satisfied in said client terminal device;
a second step of incorporating, in said screen data, a screen changing program for executing a screen changing function of changing at least a part of said screen displayed on said client terminal device into an indiscernible state when said condition determining function determines that said predetermined condition is satisfied in said client terminal device; and
a third step of transmitting, to said client terminal device, said screen data in which said condition determining program is incorporated in said first step and said screen changing program is incorporated in said second step.
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63. A method comprising the steps of:
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a first step of acquiring, from a server apparatus, screen data in which a program is incorporated;
a second step of displaying said screen data on a display;
a third step of executing, based on said program acquired in said first step, a condition determining function of determining whether a predetermined condition is satisfied; and
a fourth step of executing, based on said program acquired in said first step, a screen changing function of changing at least a part of a screen displayed using said screen data into an indiscernible state when said condition determining function determines that said predetermined condition is satisfied.
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64. A program including screen data displayed on a client terminal device and operating said client terminal device to execute the functions of:
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a function of determining whether a predetermined condition is satisfied; and
a function of changing at least a part of a screen displayed on said client terminal device into an indiscernible state when said condition determining function determines that said predetermined condition is satisfied.
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65. A program for operating a server apparatus to execute a function of distributing a screen displaying program to a client terminal device, the program including screen data displayed on said client terminal device and operating said client terminal device to execute the functions of:
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a function of determining whether a predetermined condition is satisfied; and
a function of changing at least a part of a screen displayed on said client terminal device into an indiscernible state when said condition determining function determines that said predetermined condition is satisfied.
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66. A computer-readable storage medium product storing a program for including screen data displayed on a client terminal device and operating said client terminal device to execute the functions of:
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a function of determining whether a predetermined condition is satisfied; and
a function of changing at least a part of a screen displayed on said client terminal device into an indiscernible state when said condition determining function determines that said predetermined condition is satisfied.
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67. A computer-readable storage medium product storing a program for operating a server apparatus to execute a function of distributing a screen displaying program to a client terminal device, the program including screen data displayed on said client terminal device and operating said client terminal device to execute the functions of:
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a function of determining whether a predetermined condition is satisfied; and
a function of changing at least a part of a screen displayed on said client terminal device into an indiscernible state when said condition determining function determines that said predetermined condition is satisfied.
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Specification