JP2002133139A - Management center and personal information providing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a management center and a personal information providing method enabling a user to easily acquire his own personal information. SOLUTION: The management center 5 logs in each Web server 3 using a user ID of each site registered by users in a user data base and a password to acquire personal information of each user. The management center 5 displays a list of user's personal information on a user terminal 1 in response to a request from the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a management center and a personal information providing method for collecting and providing personal information and the like regarding a user's economic activity.

[0002]

2. Description of the Related Art Conventionally, various personal information (e.g., account information such as transaction details at financial institutions, billing information such as utility bills, telephone charges, credit cards, etc.), and exchanges with business partners have been reported. Electronic mails, etc.) are provided to each user via a network such as the Internet.

[0003]

In the above-described system, each piece of personal information is provided separately on a site holding each piece of information. It is necessary to perform an operation of accessing a site that provides information that the user wants to input his / her user ID and password at the site and logging in for each site.

[0004] In the above system, account information and various billing statement information are stored on separate sites, and these information are not linked. Therefore, the amount deducted from the account is the balance of the account. There is a problem that the account balance runs short when the size is larger.

[0005] The present invention has been made in view of the above-mentioned circumstances, and has as its object to provide a management center and a personal information providing method by which a user can easily acquire his / her own personal information. Another object of the present invention is to provide a management center and a personal information providing method for avoiding a shortage of an account balance with respect to a charged amount.

[0006]

In order to achieve the above object, a management center according to a first aspect of the present invention is a management center for providing a user with personal information managed by each server. A database that stores a user identification code and authentication information for each user for logging in to the server, and logs in to each server using the identification code and authentication information stored in the database and obtains personal information of each user And a supply unit that supplies the personal information of the user obtained by the obtaining unit to a terminal of the user.

[0007] According to such a configuration, the management center logs in to each server using the user identification code and authentication information of the user registered in advance, acquires personal information of each user, and supplies the personal information to the user terminal. . Thus, the user does not have to access each server in order to acquire his / her personal information, and can easily acquire personal information from the management center.

[0008] The acquiring means may compare the acquired personal information with the personal information acquired last time to determine whether there is a change in the information, and notify the user if there is a change. Thereby, the user can easily know the change of the personal information.

[0009] The supply means may display, on a user terminal, a list of personal information obtained from each server for one user. Thereby, the user can easily grasp his / her personal information.

[0010] Further, a request for access to a predetermined server is received from the user, and a user identification code for logging in to the specified server among the user identification code and authentication information of the user registered in the database. The server may further include a login unit that logs in to the server using authentication information. Thus, for example, the user does not need to input a user identification code (user ID or the like) or authentication information (password or the like), and can seamlessly log in to each server.

[0011] The personal information may include account information indicating a balance of a user's account, and payment information indicating an account payment amount transferred from the user's account to a payee's account,
Based on the personal information acquired by the acquiring means, it is determined whether or not each user's account has insufficient balance, and when an account with insufficient balance is detected, funds are transferred from the other account of the same user to the corresponding account. May be further provided. Further, the personal information acquired by the acquiring means may be further provided with means for judging whether or not each user's account has insufficient balance, and notifying the user when an account with insufficient balance is detected. .

Thus, when an account with insufficient balance is detected, the problem of insufficient balance is solved by, for example, notifying the user of that fact or applying funds from another account of the same user. it can.

In the determination of the account balance shortage, it is determined whether or not the account balance is equal to or more than the account payment amount, and if the account balance is smaller than the account payment amount, the account may be determined to be underbalanced.

[0014] The personal information may further include information indicating a billing amount to the user other than the account payment amount. In the determination of the account balance shortage, the account balance is the sum of the account payment amount and the billing amount. If the balance is smaller than the total amount, the balance may be determined to be insufficient for the account. Accordingly, in addition to a request in which funds are automatically transferred from an account such as a direct debit, it is possible to perform a balance check in consideration of a request for payment by the user himself, for example, by cash or transfer. Insufficient balance can be avoided more reliably.

[0015] A personal information providing method according to a second aspect of the present invention is a personal information providing method for providing personal information to a user, wherein the user logs in to each server that manages personal information. A registration step of pre-registering an identification code and authentication information for each user; and a providing step of logging in to each of the servers using the registered identification code and authentication information, acquiring personal information of each user, and providing the user with the personal information. And the following.

According to such a configuration, the user logs in to each server using the user identification code and authentication information of the user registered in advance, acquires personal information of each user, and supplies the personal information to the user. Thus, the user can easily acquire his / her personal information without accessing each server.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an information providing system according to an embodiment of the present invention will be described with reference to the drawings. As shown in FIG. 1, an information providing system according to an embodiment of the present invention includes a user terminal 1 and a company or institution holding personal information on a user's economic activity (financial institution, credit company, telephone company, Internet Service provider, etc.)
And a management center 5.

The user terminal 1 is a terminal for a user to browse personal information, and is composed of, for example, a normal personal computer having a browser function and an e-mail function.

The Web server 3 is a server such as a company or an institution that holds personal information on a user's economic activities. In response to an external access request, the Web server 3 accepts input of a user ID and a password, and performs user authentication using the accepted data. If the authentication result is correct, the personal information corresponding to the received user ID is provided to the access source, and if the authentication result indicates an error, the access is rejected.

For example, the Web server 3 of the financial institution holds account information such as transaction details and balance of each user's account as personal information. Further, the web server 3 of the credit company holds, for example, the purchase history (purchase store, merchandise, purchase date, purchase amount, etc.) of the user as personal information. Also,
The web server 3 of the telephone company holds, for example, telephone charges to be charged to the user as personal information. In addition, the Internet service provider (hereinafter, provider) W
The eb server 3 holds, for example, mail addressed to the user as personal information.

As shown in FIG. 2, for example, the management center 5 includes a control unit 51, a storage unit 53 having a user database 53A, and a communication unit 55. As shown in FIG. 3, for example, the user database 53A stores site access information indicating a user ID, a password, and the like used when logging in to each site for each user.

The control unit 51 logs in to the site by each Web server 3 using the site access information of each user in the user database 53A at a timing of, for example, a predetermined time, and acquires personal information of each user.
Then, the personal information acquired last time is read from the storage unit 53, and is compared with the information acquired this time to determine whether there is information whose content has been updated for each user. Then, the user who has the updated information is notified by e-mail or the like. Then, the acquired data in various formats (for example, XML data, HTML data, FTP data,
The format is formatted for MTP data, etc., and one screen information (personal information list) for displaying the personal information obtained from each site for the user is created and stored in the storage unit 53. FIG. 4 shows an example of this personal information list screen.
Shown in As a result of the comparison, a user who has no updated information does not create a notification by e-mail or a personal information list.

When the control unit 51 receives an access request from the user terminal 1, the control center 51 accepts a user ID and a password given to each user in advance by the management center 5 and performs user authentication and the like. In response to a request from, processing such as supplying a personal information list, accepting registration of a site, and logging in to a registered site is performed.

In the process of supplying the personal information list, the control unit 51 reads out the screen information of the personal information list corresponding to the access source user from the storage unit 53 and supplies it to the requesting user terminal 1.

In the process of accepting registration of a site, the control unit 51 supplies a registration acceptance screen as shown in FIG.
URL, user ID and password for logging in to the site to be registered, etc.). At this time, as shown in the figure, the password may be input again for confirmation. Then, the control unit 51 creates site access information (see FIG. 3) for the user based on the input data, and registers the site access information in the user database 53A of the storage unit 53. Further, for the user, screen data of a login registration site list screen described later is read from the storage unit 53. The login registration site list screen is created and registered for each user, and includes a link button to each site. The control unit 51 stores the currently registered site (U) in the screen data of the read login registration site list screen.
Editing processing such as adding a link button to (RL) is performed. The details of the login registration site list screen will be described later.

In the process of logging in to the registration site,
The control unit 51 reads the login registration site list screen corresponding to the user from the storage unit 53 and supplies the screen to the user terminal 1 that has issued the access request. FIG. 6 shows an example of the login registration site list screen. The login registration site list screen is created for each user at the time of registration of the site access information, for example, and edited to include a link button to the registered site. And each time a new site is registered in the site access information of each user,
A button linking to the registered site is added to the screen data of the user.

In response to the selection of the link button from the login registration site list screen supplied to the user terminal 1, the control unit 51 accesses the site to which the selected link button is linked, and In response to a user ID and password input request from the site, the user refers to the user's site access information in the user database 53A and automatically logs in using the corresponding user ID and password.

The control unit 51 refers to the personal information of each user stored in the storage unit 53 at, for example, a predetermined time interval, and compares the debit amount and the balance for each account held by each user. Then, the balance is checked to see if the balance is insufficient. If the balance is insufficient, a process of replenishing the account from another account of the same user (balance check process) is performed. The check of each account is performed based on, for example, a predetermined priority of each account. Further, the control unit 51 may notify the shortage of the account balance by e-mail or the like.

For example, for a certain user P1, if the balance of the account held at Bank A is 100,000 yen and the debit amount of the account is 140,000 yen, a financial institution having another account of the user P1 To transfer the shortage (40,000 yen) of funds from the account of the user P1 at the financial institution to the account of the user P1 at the bank A, and transfer the balance at the bank A refill.

The storage unit 53 has a user database 53A for storing site access information. Further, the storage unit 53 stores screen data such as a personal information list screen and a login registration site list screen for each user. Also,
A user ID and a password for authenticating a user who has accessed the management center 5 are stored. Communication unit 55
Controls communication between the user terminal 1, the Web server 3, and the like.

Next, the operation of the information providing system according to the present embodiment will be described. First, a personal information acquisition process in which the management center 5 acquires personal information of each user based on site access information registered in the user database 53A will be described with reference to the flowchart of FIG. Note that the execution timing of this process is arbitrary, and may be, for example, every predetermined time.

First, the control unit 51 of the management center 5 selects a user to be processed from all users, and reads out the user access information of the user from the user database 53A of the storage unit 53 (step S1). The order of selecting the users to be processed is arbitrary, and may be, for example, the order of the user IDs.

Next, the control unit 51 logs in using the user ID and the password for the registered site indicated by the obtained user access information, obtains personal information of the user from the logged-in site, and stores it in the storage unit 53. The processing (steps S2 and S3) is performed for all registered sites (step S4).

Next, the control unit 51 compares the personal information obtained from each site for the user to be processed with the personal information obtained in the previous personal information obtaining process (step S).
5), it is determined whether there is updated information (step S)
6).

If it is determined in step S6 that there is updated information, the user is notified of the update by e-mail or the like (step S7), and the process proceeds to step S6.
For example, based on the individual information acquired in step 3, a personal information list screen as shown in FIG. 4 is created and stored in the storage unit 53 (step S8), and it is determined whether the processing has been completed for all users. If not, the process returns to step S1 to perform the above processing (steps S1 to S1) for the next user.
Perform 8).

If it is determined in step S6 that there is no updated information, it is determined whether or not the processing has been completed for all users without sending an e-mail or creating a personal information list screen. If the processing has not been completed, the process returns to step S1 to perform the above processing for the next user.

In step S9, when it is determined that the above process has been completed for all the users, the personal information acquisition process ends.

Next, a site registration process in which the management center 5 registers a site in response to a request from a user will be described with reference to a flowchart of FIG. In this processing, for example, after the management center 5 receives an access request from the user terminal 1 and performs user authentication using a user ID, a password, or the like, “site registration” is selected from the processing menu. It is executed according to.

The control unit 51 of the management center 5 supplies a registration acceptance screen for accepting site registration to the user terminal 1, and displays a site name, a URL, a user ID and a password for logging in to the site to be registered, and the like. An input is received (step S11). For example, it is assumed that the user P2 has input the site name and URL of the “K telephone company”, a user ID and a password for logging in to the “K telephone company” site, and the like.

Next, the control unit 51 creates site access information for the "K telephone company" of the user P2 based on the input data, and creates the user database 53A.
(Step S12). Next, the control unit 51
The screen data of the login registration site list screen of the user P2 is read from the storage unit 53, and edited so as to add a link button to the site “K telephone company” registered this time.
The process is stored (step S13), and the process ends. As a result, a link button to “K telephone company” is added to the login registration site list screen, and a site of “K telephone company” is added as a source from which the personal information of the user P2 is obtained.

Next, an automatic login process in which the management center 5 automatically logs in to a site registered for a user in response to a request from the user will be described with reference to the flowchart of FIG. This process is executed, for example, in response to selection of “login to a registered site” from the process menu after user authentication as in the above-described site registration process.

The control unit 51 of the management center 5 reads out the login registration site list screen of the access source user (for example, the user P3) from the storage unit 53 and supplies it to the access request source user terminal 1 (step S21). . In response to this, it is assumed that the user P3 has selected, for example, a link button of “financial institution A” from the login registration site list screen, for example.

Next, the control unit 51 determines from the login registration site list screen supplied to the user terminal 1 that “financial institution A”
In response to the selection of the link button, the user accesses the linked “financial institution A” site based on the URL or the like associated with the button (step S).
22). And the user ID from the access destination site
In response to the input request for the password and the password, the user P3 refers to the site access information of the user P3 in the user database 53A, and logs in automatically using the user ID and password of the site of "financial institution A" (step S23). Thus, the user P3 can access the site of “financial institution A” simply by selecting the button of “financial institution A”.

Next, a balance check process in which the management center 5 checks for a shortage of the balance of each user's account will be described with reference to the flowchart of FIG. The execution timing of this processing is arbitrary, and may be performed, for example, every day.

The control unit 51 of the management center 5 selects a user to be processed from all users, and reads out the personal information of the user from the storage unit 53 (step S30). The order of selecting the users to be processed is arbitrary, and may be, for example, the order of the user IDs. The control unit 51 selects the account information among the acquired personal information as accounts to be processed in order from the account with the highest priority (step S3).
1) The following processing is performed.

First, the control unit 51 refers to each personal information, and if there is a request for designating an account to be processed as a withdrawal account, the control unit 51 checks whether or not the withdrawal date is the next day (step S32). If the day is the next day, it is determined whether or not the withdrawal amount (or the total amount if there are a plurality of next day withdrawals) is larger than the account balance (step S33). If the withdrawal date is not the next day in step S32,
Alternatively, if the debit amount is equal to or less than the account balance in step S33, the flow proceeds to step S39, and processing is performed on the next account to be processed.

If the debit amount is larger than the account balance in step S33, one of the accounts having lower priorities than the account to be processed is selected as the appropriating account (step S34), and the appropriation is made. Determine whether the balance of the account is greater than the debit amount for the appropriation account (designate the appropriation account as a debit account, and the debit date is the next day's debit amount, etc.), that is, whether the appropriation account has extra funds (Step S35). At this time, if there is no excess funds in the appropriation account (step S35: NO), another appropriation account is selected, and it is determined in step S35 whether the account has extra funds. Note that the appropriate account may be selected based on the priority order.

If it is determined that there is excess funds in the appropriation account (step S35: YES), the difference between the balance in the appropriation account and the debit amount is the shortage amount in the account to be processed (the difference between the balance and the deduction amount). It is determined whether this is the case (step S36). In step S36, when it is determined that the difference between the balance in the appropriation account and the debit amount is smaller than the shortage amount, the appropriation account is transferred to the account to be processed.
The funds transfer of the difference between the balance in the appropriation account and the debit amount is performed (step S37). Thereafter, the process returns to step S34 to select another appropriate account, and the processes of steps S34 to S37 are repeated until it is determined in step S36 that the shortage amount in the processing target account is smaller.

If it is determined in step S36 that the difference between the balance in the appropriation account and the deducted amount is equal to or larger than the shortage amount (the difference between the balance and the deducted amount) in the account to be processed, the account is transferred to the account to be processed. The funds transfer of the shortage amount in the account to be processed is performed (step S3).
8).

Then, the control unit 51 determines whether or not the processing has been completed for all the accounts of the selected user (step S39), and if not completed, returns to step 31 to select the next account to be processed. And select the above process (step S
32 to S38) are repeated. If it is determined in step S39 that the processing has been completed for all the accounts of the user, it is determined whether the processing has been completed for all the users (step S40). If it is determined in step S40 that the processing has not been completed for all users, the process returns to step S30 to perform the above processing for the next user, and it has been determined that the processing has been completed for all users. In this case, the balance check processing ends.

In addition to the above-described balance check processing, the balance of each user's account may be checked for insufficient balance, and a mail may be transmitted to the user of the account with the insufficient balance. For example, for each user, an account whose balance is insufficient within a predetermined period (for example, one week) may be detected and notified.

As described above, according to the present system, the management center 5 acquires the user's personal information from each site at predetermined intervals, for example, and displays the acquired information in a list in response to a request from the user terminal 1. . Thus, the user can easily acquire his / her personal information managed at each site simply by accessing the management center 5. In addition, the management center 5 automatically logs in to each site using a user ID and password registered in advance in response to a request from the user, so that the user can perform one-click without entering a password or user ID. Can be accessed at In addition, when an account with an insufficient balance is detected, the user is notified of the fact or the funds of another account of the same user are applied, so that the balance in the account can be avoided.

The "debit amount" in the balance check described above includes the amount of funds automatically transferred from the user's account to the payee's account in the processing of account debit, account transfer, account transfer, and the like. .

In the above-described balance check processing, it is checked whether or not each account has a balance shortage in relation to a debit amount directly deducted from the account. However, the present invention is not limited to this. The statement is sent to the user, and the balance check is performed in consideration of the billing amount other than the direct debit amount, such as the billing amount when the user pays the billing source according to the billing statement. Good.
In this case, the control unit 51 of the management center 5 checks whether the balance of each account of each user is equal to or more than the sum of the deducted amount and the charged amount, and determines that the account balance is equal to or smaller than the total amount of the debited amount and the charged amount. If the number is small, funds may be transferred from another appropriation account. For example, in FIG. 10, steps S33, S35, S36, S37, S38
By changing the "withdrawal amount" to "(withdrawal amount + invoice amount)", the flowchart of the balance check process in consideration of the withdrawal amount and the invoice amount can be realized.

It should be noted that the personal information is not limited to the above description, and may include various information on the individual.

Further, in the above description, in the balance check processing, funds are replenished when the balance is insufficient for the billing on the next day. However, the present invention is not limited to this. (2nd, 3rd, 1 week, etc.), the funds may be supplemented when the balance is insufficient.

It should be noted that the system of the present invention can be realized using an ordinary computer system without using a dedicated system. For example, by installing the program from a medium (floppy (registered trademark) disk, CD-ROM, or the like) in which a program for executing the above-described operation is stored in a computer, the user terminal 1 that executes the above-described processing, the Web The server 3, the management center 5, and the like can be configured. In the case where the above-described functions are realized by the OS sharing or the OS and the application being jointly used, only the part other than the OS may be stored in the medium.

It is also possible to superimpose a program on a carrier wave and distribute the program via a communication network. For example, the program may be posted on a bulletin board (BBS) of a communication network, and distributed via the network. Then, by starting this program and executing it under the control of the OS in the same manner as other application programs, the above-described processing can be executed.

[0059]

As described above, according to the present invention,
The management center logs in to each server using the user identification code and authentication information of the user registered in advance, acquires the personal information of each user, and supplies it to the user's terminal. Can be obtained.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of an information providing system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a configuration of a management center used in the information providing system of FIG.

FIG. 3 is a diagram for explaining site access information.

FIG. 4 is a diagram showing an example of a personal information list screen.

FIG. 5 is a diagram illustrating an example of a registration reception screen.

FIG. 6 is a diagram showing an example of a login registration site list screen.

FIG. 7 is a flowchart illustrating a personal information acquisition process.

FIG. 8 is a flowchart illustrating a site registration process.

FIG. 9 is a flowchart illustrating an automatic login process.

FIG. 10 is a flowchart illustrating a balance check process.

[Explanation of symbols]

 1 User Terminal 3 Web Server 5 Management Center 51 Control Unit 53 Storage Unit 53A User Database 55 Communication Unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 514 G06F 17/60 514 (72) Inventor Jun Saito 3-3-3 Toyosu Toyosu, Koto-ku, Tokyo No. F-term in NTT Data Corporation (reference) 5B049 AA01 AA02 DD01 EE05 FF03 GG02 GG04 GG07

Claims (9)

[Claims] 1. A management center for providing a user with personal information managed by each server, wherein the database stores a user identification code and authentication information for logging in to each server for each user; Obtaining means for logging in to each server using the identification code and authentication information stored in the server and obtaining personal information of each user; and supplying the personal information of the user obtained by the obtaining means to the terminal of the user. A management center comprising: means. 2. The method according to claim 1, wherein the acquiring unit compares the acquired personal information with previously acquired personal information to determine whether there is a change in the information, and notifies the user if there is a change. The management center according to claim 1, wherein 3. The management center according to claim 1, wherein the supply unit causes a personal terminal of the user to display a list of personal information obtained from each of the servers for one user. 4. A method according to claim 1, wherein a request for access to a predetermined server is received from a user, and user identification information for logging in to a specified server among user identification information and authentication information of said user registered in said database. The management center according to claim 1, further comprising a login unit configured to log in to the server using authentication information. 5. The personal information includes account information indicating a balance of a user's account and payment information indicating an account payment amount to be transferred from the user's account to a payee's account. Based on the obtained personal information, it is determined whether or not each user's account has an insufficient balance. If an account with an insufficient balance is detected, a means for transferring funds from another account of the same user to the corresponding account is determined. The management center according to any one of claims 1 to 4, further comprising: 6. The personal information includes account information indicating a balance of a user's account, and payment information indicating an account payment amount transferred from a user's account to a payee's account. The system according to claim 1, further comprising: means for determining whether or not each user's account has an insufficient balance based on the personal information thus obtained, and notifying the user when an account with an insufficient balance is detected. 5. The management center according to any one of 5. 7. Determining whether the balance of the account is insufficient, determining whether the balance of the account is equal to or more than the payment amount of the account, and determining that the balance of the account is insufficient when the balance is less than the payment amount. The management center according to claim 5, wherein 8. The personal information further includes information indicating a billing amount to the user other than the account payment amount. In the determination of the account balance shortage, the account balance is the total of the account payment amount and the billing amount. 7. The management center according to claim 5, wherein it is determined whether the balance is less than or equal to the total amount, and if the balance is smaller than the total amount, the balance is insufficient for the account. 8. 9. A personal information providing method for providing personal information to a user, comprising: a registration step of registering in advance a user identification code and authentication information for logging in to each server for managing personal information for each user. Using the registered identification code and authentication information to log in to each server, obtaining personal information of each user, and providing the personal information to the user.