JP2004318364A - Account transfer contract method, system, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system and a method for completing account transfer contract procedures through the Internet. <P>SOLUTION: An IB server which constructs and manages an IB Web site, and transmits information to a bank host, takes over account transfer contract application information or the like from a receiving enterprise Web site, performs receiving enterprise authentication processing and user authentication processing, receives resultant data on the propriety of formal registration processing from the bank host which has transmitted data for the formal registration, produces a contract result file, and transmits it to a receiving enterprise host. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a fund transfer contract method and system capable of applying for, accepting, and performing a fund transfer contract via the Internet.
[0002]
[Prior art]
Conventionally, application, acceptance, and procedures (hereinafter referred to as "fund transfer contract procedure" or "fund transfer contract method") of fund transfer contracts such as telephone charges and utility charges have been conducted by customers (hereinafter "users"). ), A financial institution (hereinafter, referred to as a "bank"), and a storage destination company (hereinafter, referred to as a "storage company").
[0003]
An example of a conventional fund transfer contract method will be described with reference to FIG. Steps S101 to S120 in FIG. 6 are flowcharts schematically showing the flow of a conventional contract procedure. The procedures enclosed in wavy lines are procedures that have been made online. Here, online systemization refers to a system in which only an initial input operation is performed on a computer system, and thereafter, processing is automatically executed without manual or written intervention. The procedures surrounded by solid lines are procedures that are not implemented as an online system, and perform manual entry, inspection, input work, and the like.
[0004]
First, the user enters various information such as an account number, an account name, a bank name, and the like into an application form, stamps a notification stamp, and mails the application form to the storage company (S101). The receiving company checks the contents of the application form (S102), and if there is no problem, temporarily registers the application form (S103), and then mails the request form to the fund transfer center which is an affiliated organization of the bank (S104).
[0005]
Upon receiving the request form (S105), the fund transfer center reads the request form with a scanner (S106) and converts the form into electronic data. Then, after checking the appropriateness of the account information and the user's personal information described in the request form and the existence of the account as to whether the account exists, the operator performs a predetermined input operation (S107), and further seals the seal. Is compared with the notification stamp registered in the customer master (S108). If there is no mistake, temporary registration is performed (S109), and data for official registration for a bank host computer (hereinafter referred to as "bank host") is created. (S110). The registration data is transmitted to the bank host (S111).
[0006]
Upon uploading the official registration data (S112), the bank host performs a registration process (S113), and returns the result data (S114). Further, the result data is transmitted to the fund transfer center (S115).
[0007]
The fund transfer center downloads the result data (S116). If the result is normal, the main registration is performed (S117). If the result is error, post-processing is performed by the operator (S118). In both the case of the real registration and the case of the error, a notification form is created by the operator (S119) and mailed to the storage company (S120).
[0008]
As described above, since the steps of S101 to S109 and S118 to S120 are not implemented as an online system, the processing steps are many and complicated. In addition, manual procedures are required for manual procedures. Therefore, there is a problem that the cost is high, an error is likely to occur, and it takes a long time.
[0009]
On the other hand, there is a system in which some procedures are converted to an online system to reduce a part of the written procedure. Patent Literature 1 discloses a system for a fund transfer contract procedure in a so-called Internet banking system. The outline will be described with reference to steps S201 and S202 in FIG. 6. In step S201, an account transfer contract is made from a user terminal connected to a bank's Internet banking website (hereinafter referred to as “IB website”). Enter the application data for the procedure. The IB website performs a receiving process based on the application data. Alternatively, application data may be input from a user terminal to another website having a function of receiving an application for a fund transfer contract procedure, and information from the other website to the IB website may be taken over. The application data received from these websites is transmitted to the account transfer center, and the inspection in step S107 (checking the appropriateness of the application information and the existence of the account) and subsequent processes are performed in the same manner as described above.
[0010]
Further, Patent Document 1 discloses an electronic bulletin board system. In step S202, the inspection progress data is reflected on the electronic bulletin board, and in step 203, the registration result data on the host is reflected on the electronic bulletin board. Can be confirmed.
[0011]
[Patent Document 1]
JP-A-2002-157426
[0012]
[Problems to be solved by the invention]
However, even in the web reception system of Patent Document 1, only the application procedure is implemented as an online system, and subsequent examinations such as inspections at the debit center are performed manually. Takes time. For example, it took several days (usually two to three weeks) until all the fund transfer contract procedures were completed. In addition, a manual such as a notification form is prepared at the fund transfer center and mailed to the storage company.
Furthermore, in Patent Literature 1, the progress data of the examination is reflected on the electronic bulletin board and can be viewed by the storage company or the like. It was necessary to input it, and the progress was not automatically reflected on the electronic bulletin board.
[0013]
The present invention has been made in view of the above-described problems, and is a system for accepting a fund transfer contract procedure on a website, which includes a manual review, a document creation and mailing operation, and a manual progress status data input operation. And complete automation of the entire series of processes, such as the transfer of the debit contract and the provision of progress data via the electronic bulletin board, in parallel with this, thereby achieving accurate, rapid, paperless and low-cost processing. It is intended to realize a system and a method.
[0014]
[Means for Solving the Problems]
In order to achieve the above object, the present invention provides the following configurations.
(1) In the fund transfer contract method according to claim 1, a fund transfer contract procedure is performed by an IB server that builds and manages an IB website for transmitting information to and from a user terminal and transmits information to and from a bank host. In the fund transfer contract method for performing the following, the IB server executes the following steps.
(A) When transferring the connection from the storage company website to which the user terminal has input and transmitted the fund transfer contract application information to the IB website, the fund transfer contract application information and the storage company information relating to the fund transfer contract. Steps to take over
(B) performing storage company authentication processing by comparing storage company information stored in advance with storage company information relating to the transferred account transfer contract.
(C) performing a user authentication process by comparing the previously stored account information and authentication information of the user with the account information and authentication information included in the transferred account transfer application information.
(D) creating data for official registration based on the fund transfer contract application information and information extracted from the storage company information pertaining to the fund transfer contract
(E) transmitting the created official registration data to the bank host for the official registration process, and receiving from the bank host the result data indicating whether or not the official registration process is possible;
(F) creating a contract result file in response to receiving the result data indicating whether or not the main registration is permitted
(G) transmitting the contents of the contract result file to a storage company host that builds and manages the storage company website.
[0015]
(2) In the fund transfer contract method according to claim 2, in the method according to claim 1, the IB server further executes the following steps.
(H) Step of setting up an electronic bulletin board displaying data related to the fund transfer contract procedure
(I) updating the electronic bulletin board after performing the user authentication process;
(J) a step of updating the electronic bulletin board after the step of receiving the result data indicating whether or not the main registration processing is possible;
[0016]
(3) In the fund transfer contract method according to a third aspect, in the method of the second aspect, the IB server further executes the next step.
(K) downloading the data of the contract result file from the electronic bulletin board
[0017]
(4) The fund transfer contract system according to claim 4 constructs and manages an IB website for transmitting information to and from a user terminal, and performs a fund transfer contract procedure by an IB server that transmits information to and from a bank host. In the fund transfer contract system, the IB server has the following units.
(A) When transferring the connection from the storage company website to which the user terminal has input and transmitted the fund transfer contract application information to the IB website, the fund transfer contract application information and the storage company information relating to the fund transfer contract. Means to take over
(B) means for performing a storage company authentication process by comparing storage company information stored in advance with storage company information relating to the transferred account transfer contract.
(C) means for performing a user authentication process by comparing the previously stored account information and authentication information of the user with the account information and authentication information included in the transferred account transfer application information.
(D) means for creating data for official registration on the basis of the fund transfer contract application information and information extracted from the storage company information pertaining to the fund transfer contract
(E) means for transmitting the created main registration data to the bank host for the main registration processing, and receiving from the bank host the result data indicating whether or not the main registration processing is possible;
(F) Means for creating a contract result file in response to receiving the result data of whether or not the main registration is possible
(G) means for transmitting the contents of the contract result file to a storage company host that builds and manages the storage company website
[0018]
(5) In the fund transfer contract system according to claim 5, in claim 4, the IB server further has the following means.
(H) Means for setting up an electronic bulletin board that displays data related to the fund transfer contract procedure
(I) means for updating the electronic bulletin board based on the result of the user authentication process
(J) means for updating the electronic bulletin board based on the result data of whether or not the main registration is possible
[0019]
(6) In the fund transfer contract system according to claim 6, in claim 5, the IB server further has the following means.
(K) means for downloading the data of the contract result file from the electronic bulletin board
[0020]
(7) The fund transfer contract program according to claim 7 constructs and manages an IB website for transmitting information to / from a user terminal and transmits information to / from a bank host in order to perform a fund transfer contract procedure. The following functions are realized by the IB server that performs the following functions.
(A) When transferring the connection from the storage company website to which the user terminal has input and transmitted the fund transfer contract application information to the IB website, the fund transfer contract application information and the storage company information relating to the fund transfer contract. Function to take over
(B) A function of performing a storage company authentication process by comparing storage company information stored in advance with storage company information relating to the transferred account transfer contract.
(C) A function of performing a user authentication process by comparing the previously stored account information and authentication information of the user with the account information and authentication information included in the transferred account transfer application information.
(D) A function of creating data for official registration based on the information of the fund transfer contract application and information extracted from the storage company information relating to the fund transfer contract.
(E) a function of transmitting the created data for official registration to the bank host for the official registration processing, and receiving from the bank host the result data indicating whether or not the official registration processing is possible;
(F) Function of creating a contract result file in response to receiving the result data of whether or not the main registration is permitted
(G) A function of transmitting the contents of the contract result file to a storage company host that builds and manages the storage company website.
[0021]
(8) The fund transfer contract program according to claim 8 is the program according to claim 7, wherein the IB server further realizes the following function.
(H) A function to set up an electronic bulletin board that displays data related to the fund transfer contract procedure
(I) a function of updating the electronic bulletin board based on the result of the user authentication process
(J) means for updating the electronic bulletin board based on the result data of whether or not the main registration is possible
[0022]
(9) According to a ninth aspect of the present invention, in the fund transfer contract program according to the eighth aspect, the IB server further realizes the following function.
(K) Function of downloading data of the contract result file from the electronic bulletin board
[0023]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. It should be noted that the computer system shown is a schematic diagram showing only parts related to the present invention.
[0024]
First, the configuration of the fund transfer contract system of the present invention will be described with reference to FIGS. FIG. 1 is a schematic diagram schematically showing the outline of the fund transfer contract system of the present invention.
[0025]
The system includes a user terminal 10, a storage company host computer (hereinafter, referred to as a "storage company host") 20, an Internet banking server (hereinafter, referred to as an "IB server") 30, and a bank host 90. Information can be transmitted between the user terminal 10, the storage company host 20, and the IB server 30 via the communication networks 12, 14, and 16, mainly the Internet. Here, the IB server 30 and the bank host 90 are assumed to be installed by a common operating entity (bank), and are connected by an appropriate communication network such as a dedicated line.
[0026]
The user terminal 10 is, for example, an information processing terminal device such as a PC (personal computer), PDA, or mobile phone, and has a browser function and a communication function capable of connecting to the Internet. The storage company host 20, the IB server 30, and the bank host 90 can be composed of a single computer or a plurality of networked computers functioning as server computers.
[0027]
The IB server 30 functions as a server that provides a service such as a so-called Internet bank (IB) or an electronic bank (EB) to the user terminal 10.
[0028]
The storage company that installs the storage company host 20 is, for example, a fixed-line or mobile phone service company, an organization that provides public works services such as electricity, gas, and water, a credit card company, or a so-called online auction or online shopping on the Internet. It is a company that provides services, and uses this system to store fees for these services from users.
[0029]
In this embodiment, the main functions of the IB server 30 are performed by the web server 40 and the database server (hereinafter, referred to as “DB server”) 70. The web server 40 builds and manages an IB website that serves as a window for providing IB and EB services to the user terminal 10. Here, the web server 40 converts various data into the HTML format, transmits the data to a terminal equipped with a browser, and displays the data. The data input from the terminal via the IB website is also used. It is a server that receives and receives various processing functions for the received data, and is loaded with programs that realize these functions. The DB server 70 holds data necessary for data processing in the web server 40 and provides the data in response to a request from the web server 40. The master data related to the processing of this system is held by the bank host 90, and the DB server 70 holds the data by acquiring necessary data from the bank host 90 and temporarily storing the data.
[0030]
Further, the web server 40 includes an electronic bulletin board processing unit 48 for installing and updating an electronic bulletin board. The electronic bulletin board system is incorporated as one function of the web server 40, and is a program activated using, for example, a CGI system. This electronic bulletin board constitutes a part of the IB website, that is, a web page included in the IB website, and can be browsed by each storage company using an appropriate terminal device. The electronic bulletin board installed in the present invention displays the progress of the fund transfer contract procedure and the like.
[0031]
The configurations of the IB server 30 and the bank host 90 will be described in more detail with reference to FIG. FIG. 2 is a block diagram schematically and schematically showing the configurations of the IB server 30 and the bank host 90. Note that only the components related to the present invention are shown. The web server 40 in the IB server 30 is connected to the external Internet 14 and 16 via an appropriate communication interface device 66. Usually, a firewall or the like is appropriately provided for security, but the description is omitted.
[0032]
The web server 40 includes a control unit 42 mainly composed of a CPU, a storage company authentication processing unit 44, a user authentication processing unit 45, an application information creation / transmission unit 46, an electronic bulletin board processing unit 48, and a data registration creation unit 50. , And a processing system component of the data creation unit 52 for the storage company. Further, storage components of a main storage unit 54, an application information file 56, an electronic bulletin board data file 58, a main registration data file 60, and a contract result file 62 are provided.
[0033]
The DB server 70 includes a control unit 72 mainly including a CPU as a processing system component, and includes a main storage unit 76, a customer data file 78, a storage company data file 80, and a transfer contract data file as storage system components. 82 are provided. The data stored in each of the data files 78, 80, and 82 is data acquired from the bank host 90 as needed, and is temporarily stored as, for example, a work file.
[0034]
The control units 42 and 72 have a function of controlling the processing of each component and the flow of data by sending control signals to other components, and are configured by a CPU. The control units 42 and 72 realize the functions of the other processing system components by executing the programs read into the main storage units 54 and 76 each configured by a RAM. The main storage units 54 and 76 are also used as a temporary storage of data when the program is executed and a work area.
[0035]
Further, a program for realizing the function of each processing system component is stored in an auxiliary storage device (not shown) such as a hard disk.
[0036]
The input / output devices 64 and 84 are a keyboard, a monitor, and the like. The communication interface device 66 uses, for example, a modem, a DSU, a TA, a router, or the like depending on the communication method. It is desirable to use SSL for data transmission and reception between the user terminal 10, the storage company host 20, and the IB server 30 from the viewpoint of security.
[0037]
FIG. 3 is a flowchart showing the processing flow executed by the system of FIG. 2, that is, the flow of the fund transfer contract method.
[0038]
First, the user makes an account transfer contract application request from the user terminal 10 to the storage company host 20 (S1). Specifically, the user terminal 10 connects to a web page for applying for a fund transfer contract on the storage company website. Enter and submit the required information in the debit contract application field on the web page. Thereby, the fund transfer contract application information is transmitted to the storage company host 20 via the Internet 12. The fund transfer contract application information includes authentication information for user identification (authentication) and account information for fund transfer. The authentication information is the name and address of the user, a customer number previously assigned to the user by the storage company, and the like. The account information is the name of the bank designated for fund transfer, the name of the store, the account number, and the like.
[0039]
Receiving and receiving the fund transfer contract application information, the receiving company host 20 authenticates the user using this information (S2). In the authentication method, the information stored in the billing master 22 in the storage company host 20 is compared with the received debit contract application information for a predetermined item, and when it is determined that they match, the user is authenticated as the principal. How to The billing master 22 stores the user information acquired at the time of applying for a service contract between the user and the storage company.
[0040]
After being authenticated by the housing company host 20, the connection program for connecting to the IB website of the designated bank account recognized from the fund transfer contract application information is transmitted from the housing company host 20 to the user terminal 10 ( S3).
[0041]
The operation of this connection program will be described with reference to FIG. After the authentication by the storage company host 20 described above, the storage company website causes the user terminal 10 to display a connection shift confirmation screen to the IB website in FIG. The connection transfer confirmation screen displays, for example, account transfer contract application information such as the user's (account holder's) address 102a, name 102b, bank name 102d, store name 102e, account number 102f, and the like. Check.
[0042]
When the user clicks the fund transfer contract application button 104 on the screen of FIG. 4A, the connection program starts on the user terminal 10, and the user terminal 10 is connected to the IB website via the communication network 14. (S4). That is, the user terminal 10 is connected to the IB server 30 (web server 40). In this way, the connection between the user terminal 10 and the storage company website shifts to the connection between the user terminal 10 and the IB website. At the time of this connection transfer, the fund transfer contract application information and the like are transferred from the storage company website to the IB website via the user terminal 10. The information to be inherited includes, in addition to the fund transfer contract application information input by the user terminal 10 to the website of the storage company, information for specifying the storage company and the service to be covered by the fund transfer contract (hereinafter referred to as the service). , "Storage company information pertaining to a fund transfer contract"). The storage company information related to the fund transfer contract is, for example, a company name, a service name, or a coded version thereof.
[0043]
Next, the user terminal 10 automatically requests the web server 40 to log in by the connection program. This login request is also to make a fund transfer contract application request at the same time. On the other hand, the IB website causes the user terminal 10 to display the screen of FIG. In the screen of FIG. 4B, information taken over from the storage company website to the IB server 30 is displayed.
[0044]
The user further inputs authentication information such as an account password 102g, a login ID 102h, a login password 102i, and the like on the screen of FIG. 4B, and transmits the authentication information to the web server 40 by clicking a confirmation button 108 or the like. The web server 40 temporarily stores such information data.
[0045]
Although omitted in FIG. 3, the web server 40 stores the information data acquired in step S4 in the electronic bulletin board data file 58 as a new application, and displays the display of the new application in the electronic bulletin board. (See FIG. 5A described later).
[0046]
Next, the storage company authentication processing unit 44 of the web server 40 acquires the information of the storage company from the storage company data file 80 stored in the DB server 70, and thereafter, the information content of the storage company data file 80 Then, the contents of the storage company information relating to the account transfer contract transmitted from the user terminal 10 in the above step S4 are collated on the main storage unit 54, and the storage company is authenticated (S5). The master file of the storage company data file 80 is stored in the bank host 90 (storage company master 96 in FIG. 2), and includes information on the storage company (company) when the bank and the storage company signed a fund transfer contract. Name, service name, or a coded version of these).
[0047]
Next, the user authentication processing unit 45 performs a user authentication process (S6). The user authentication process is a process of confirming the existence of the account held by the user in the bank and authenticating that the user who has requested the login is the holder of the account. That is, the user authentication processing unit 45 acquires the account information and the authentication information of the user from the customer data file 78 stored in the DB server 70, and thereafter, acquires the account information and the authentication information of the customer data file 78. Is compared with the contents of the account information and the authentication information transmitted from the user terminal 10 in step S4, on the main storage unit 54, and the existence of the account is confirmed and the user is authenticated. The master file of the customer data file 78 is stored in the bank host 90 (customer master 95 in FIG. 2), and stores account information of the user (name holder) acquired at the time of account creation.
[0048]
The above-mentioned storage company authentication process S5 and user authentication process S6 are collectively referred to as “authentication process”. When the authentication processing is completed, the application information creating unit 46 sets the account transfer contract among the account information, the authentication information, the information of the storage company, the customer number, etc. included in the fund transfer contract application information and the storage company information related to the fund transfer contract. The information necessary for the application is extracted, and an application information file 56 is newly created (S7). Then, a screen almost similar to that shown in FIG. 4B, that is, a screen displaying the data 106a to 106d of the application information file 56 is displayed on the user terminal 10.
[0049]
The user checks the data content of the application information file 56, and if there is no difference, clicks a confirmation button 108 similar to the screen of FIG. 4B, and the like, whereby the fund transfer contract approval information is transmitted from the user terminal 10. The data is transmitted to the web server 40 (S8). Upon receipt of the fund transfer contract approval information, the application information file 56 is determined.
[0050]
When the authentication processing step and the application information creation / transmission step are completed, and the fund transfer contract approval information is received, the electronic bulletin board processing unit 48 updates the electronic bulletin board data file 58 by writing it in the electronic bulletin board data file 58 in accordance with the contents of the application information file 56 (S9). ). As a result, the result of the authentication processing is reflected on the electronic bulletin board.
[0051]
The electronic bulletin board update processing S9 will be described with reference to FIG. FIG. 5 is a diagram schematically showing an electronic bulletin board screen in which the contents of the electronic bulletin board data file 58 are converted into the HTML format and displayed in a predetermined layout. The electronic bulletin board data file 58 is a file for writing and storing progress status data relating to the fund transfer contract procedure and data indicating whether the contract has been approved or not at any time. The contents created by the electronic bulletin board processing unit 48 based on the data stored in the electronic bulletin board data file 58 are displayed on the electronic bulletin board (screen display thereof). The progress status is information such as which step is currently being performed in the fund transfer contract procedure or the processing result of the completed step. In a preferred example, the electronic bulletin board screen of FIG. 5 is a part of a web page included in the IB website, and can be browsed at any time by each storage company using an appropriate terminal device.
[0052]
When the user and the storage company are displayed on the electronic bulletin board screen, for example, a unique case number assigned to each application for the user is displayed, and a storage company code is displayed for the storage company. Thereby, security is ensured.
[0053]
The screen contents shown in FIG. 5A are displayed in the electronic bulletin board data file from the time when the fund transfer contract application information is received from the user terminal 10 for which the login is requested in step S4 to the time before the update processing in step S9 is performed. 58. That is, a content indicating that the authentication process has not been completed or that the fund transfer contract approval information has not been received is written. Specifically, for example, a flag indicating the change in the situation is set in the electronic bulletin board data file 58, thereby identifying the change in the situation.
[0054]
Thereafter, the screen content shown in FIG. 5B is stored in the electronic bulletin board data file 58 by the update by the electronic bulletin board processing unit 48 in step S9. That is, it writes and updates that the authentication process has been completed and that the fund transfer contract approval information has been received and that it is currently preparing for the main registration. In addition, information such as account information, a customer number, and an application date of an account transfer contract application, that is, information similar to the contents of the application information file 56 is stored.
[0055]
Next, the official registration data creating unit 50 creates the official registration data 60 for the official registration (S10). Since the application information file 56 has already been determined, the official registration data 60 is created based on the application information file 56. Since the main registration is performed with respect to the fund transfer contract master 97 in the bank host 90, it is preferable that the main registration data 60 has a format and a data structure according to the fund transfer contract master 97. The official registration data 60 is transmitted from the IB server 30 to the bank host 90.
[0056]
Next, the formal registration processing unit 92 of the bank host 90 that has received the formal registration data 60 writes the formal registration data 60 to the account transfer contract master 97 and performs formal registration (S11). The account transfer contract master 97 is a master file that is referred to in an actual account transfer process after the end of the account transfer contract.
[0057]
When the main registration process is completed, the bank host 90 transmits the result data indicating whether the main registration is permitted to the IB server 30. The data creation unit 52 for the storage company in the web server 40 that has received the result data indicating whether the main registration is permitted creates the contract result file 62 (S12). The contract result file 62 is a file for storing contents for reporting the result of the fund transfer contract procedure to the storage company host 20 and / or the user terminal 10. Therefore, whether or not the main registration is made, and when the main registration is made, the contract establishment date and its contents are stored with reference to the transfer contract data file 82. In the case where it is preferable to divide the content of the result report between the storage company host 20 and the user terminal 10 or when the data format is different, the storage company host 20 and the user terminal 10 are respectively used. A type of contract result file 62 is created.
[0058]
Further, as shown in FIG. 5 (C), the electronic bulletin board processing unit 48 completes the formal registration based on the result data of whether or not formal registration received from the bank host 90 when the formal registration is completed, and completes the contract. The establishment and the contents of the contract result file 62 are written and updated in the electronic bulletin board data file 58 (S13). As a result, the result data indicating whether the main registration is permitted is reflected on the electronic bulletin board.
[0059]
Here, the viewer of the electronic bulletin board can also download the data of the contract result file 62 corresponding to the specified case by designating the case desired to be downloaded on the electronic bulletin board screen. Accordingly, the receiving company reads the electronic bulletin board from an appropriate terminal, downloads the data of the contract result file 62 by designating the case, and passes the data to the receiving company host 20, so that the receiving company host 20 updates the billing master 22. To prepare for the account transfer process early.
[0060]
Also, in the case where the main registration cannot be performed due to some data error or processing error in the main registration, the contents of the contract result file 62 are written and updated in the electronic bulletin board data file 58. When an error occurs, the operator of the IB server 30 and / or the bank host 90 is notified of the error, and the cause is investigated and post-processing is performed. It should be noted that in this system, processing is entrusted to humans only in this case.
[0061]
After updating the electronic bulletin board data file 58, the IB server 30 preferably transmits the contents of the contract result file 62 to the storage company host 20 by e-mail or the like (S14). It may be transmitted to the user terminal 10 in the same manner.
[0062]
As described above, the system and the method relating to the application for a fund transfer contract have been described. However, the present invention is not limited to this. It is possible. For example, there are cancellation of the fund transfer contract, change of the contents of the fund transfer contract, and the like.
[0063]
【The invention's effect】
As described above, according to the system and method of the present invention, the online system covers all procedures for applying for a fund transfer contract, from the web reception of application data from the user terminal, to the examination, main registration, and notification of the completion of the procedure. Has been realized. In the prior art, only the stage up to the completion of the application by the web reception is automated. Therefore, in the present invention, manual examination and data re-entry work and document creation such as a notification form, which have conventionally been performed at a bank account transfer center, are completely eliminated in the present invention, and paperless processing is realized. As a result, it is possible to speed up the application procedure for the fund transfer contract, reduce errors, and reduce the cost of the system. As an example, it takes about one to two days from the input by the user terminal to the transmission of the result to the storage company. This is a remarkable advance as compared with the conventional system of Patent Document 1 described above, which required two to three weeks.
[0064]
Further, in the present system and method, the information data input when the user terminal has applied for a fund transfer contract to the storage company host via the storage company website is taken over to the IB server 30 as it is via the IB website, This information data is applied to an authentication process which is an automatic examination process. This authentication processing includes only data collation processing by a computer. Further, the process is executed as a series of computer processes, including the main registration process after the authentication process, the creation of the contract result file, and the transmission of the result, without any manual check or manual re-input step during this process. Therefore, no human error occurs during the processing.
[0065]
From the viewpoint of the IB server, a log-in request is made to the IB website in a state where the user authentication by the storage company host has been completed by the web reception processing on the storage company website, and then the user inquiry is made to the storage company. No additional steps are required, and the process is faster.
[0066]
Further, in the present system and method, the update of the electronic bulletin board data file in the IB server is integrated into the flow of the account transfer contract procedure, and is automatically performed by the electronic bulletin board processing unit. That is, the operator does not input examination progress data to the electronic bulletin board system as in the conventional system of Patent Document 1 described above. Therefore, according to the present system and method, it is possible to accurately and in real time view the progress of the fund transfer contract procedure. Further, by designating a case desired to be downloaded on the electronic bulletin board screen being viewed, the data of the corresponding contract result file can be downloaded. Thus, the receiving company host can update the billing master based on the contents of the contract result file downloaded from the electronic bulletin board even before the result is received, and can prepare for the subsequent account transfer processing at an early stage.
[Brief description of the drawings]
FIG. 1 is a schematic diagram schematically showing an outline of a fund transfer contract system according to an embodiment of the present invention.
FIG. 2 is a block diagram schematically showing a configuration of an IB server and a bank host.
FIG. 3 is a flowchart showing the flow of the fund transfer contract method of the present invention.
FIGS. 4A and 4B are schematic diagrams showing screens when shifting from the storage company website to the IB website, respectively.
5A to 5C are diagrams schematically showing screens displayed when accessing an electronic bulletin board, respectively.
FIG. 6 is a flowchart schematically showing a flow of a conventional contract procedure.
[Explanation of symbols]
10 User terminal
12,14 Communication network
16 Internet
20 Storage Company Host
30 IB server
40 web server
42, 72 control unit
44 Storage Company Authentication Processing Department
45 User authentication processing unit
46 Application information creation / transmission section
48 Electronic bulletin board update processing unit
50 Formal registration data creation unit
52 Data creation / transmission section for storage companies
54, 76 Main storage unit
56 application information file
58 Electronic bulletin board data file
60 Formal registration data file
62 Contract Result File
64, 84 input / output device
66 Communication interface device
70 DB server
78 Customer Data File
80 Storage company data file
82 Fund transfer contract data file
90 Bank Host
91 Control unit
92 Formal registration processing section
93 I / O device
94 Main memory
95 Customer Master
96 Storage Company Master
97 Fund transfer contract master

Claims (9)

In a fund transfer contract method for constructing and managing an IB website for transmitting information to a user terminal and performing a fund transfer contract procedure by an IB server for transmitting information to and from a bank host, the IB server comprises:
Taking over the debit contract application information and the debit contract information when transferring the connection from the storage company website to which the user terminal has input and transmitted the debit contract application information to the IB website; When,
Performing storage company authentication processing by comparing storage company information stored in advance with storage company information pertaining to the transferred account transfer contract,
Performing a user authentication process by comparing the account information and authentication information of the user stored in advance with the account information and authentication information included in the transferred account transfer application information,
A step of creating main registration data based on information extracted from the fund transfer contract application information and the storage company information pertaining to the fund transfer contract,
Transmitting the created official registration data to the bank host for the official registration process, and further receiving, from the bank host, result data indicating whether or not the official registration process is possible;
Creating a contract result file in response to receiving the result data of whether the main registration is possible,
Transmitting the contents of the contract result file to a storage company host that builds and manages the storage company website. The IB server is
Setting up an electronic bulletin board for displaying data relating to the fund transfer contract procedure;
Updating the electronic bulletin board based on the result of the user authentication process;
And updating the electronic bulletin board based on the result data indicating whether or not the main registration process is possible. The method of claim 1, further comprising: The IB server is
3. The method according to claim 2, further comprising the step of downloading the data of the contract result file from the electronic bulletin board. In a fund transfer contract system for constructing and managing an IB website for transmitting information to and from a user terminal and performing a fund transfer contract procedure by an IB server for transmitting information to and from a bank host, the IB server comprises:
Means for taking over the fund transfer contract application information and the fund transfer company information related to the fund transfer contract when the connection is transferred from the storage company website to which the user terminal has input and transmitted the fund transfer contract application information to the IB website. When,
Means for performing storage company authentication processing by comparing storage company information stored in advance with storage company information pertaining to the inherited fund transfer contract,
Means for performing a user authentication process by comparing the account information and authentication information of the user stored in advance with the account information and authentication information included in the transferred account transfer application information,
Means for creating the main registration data based on information extracted from the fund transfer contract application information and the storage company information pertaining to the fund transfer contract,
Means for transmitting the created data for official registration to the bank host for the official registration processing, and further receiving from the bank host the result data indicating whether or not the official registration processing is possible;
Means for creating a contract result file in response to receiving the result data of whether the main registration is possible,
Means for transmitting the contents of the contract result file to a storage company host that builds and manages the storage company website. The IB server is
Means for installing an electronic bulletin board for displaying data relating to the debit contract procedure,
Means for updating the electronic bulletin board based on the result of the user authentication process;
5. The fund transfer contract system according to claim 4, further comprising: means for updating the electronic bulletin board based on the result data indicating whether the main registration is permitted. The IB server is
6. The fund transfer contract system according to claim 5, further comprising means for downloading data of the contract result file from the electronic bulletin board. To perform an account transfer contract procedure, an IB server that builds and manages an IB website for transmitting information to and from the user terminal and transmits information to and from the bank host
A function to take over the fund transfer contract application information and the fund transfer company information relating to the fund transfer contract when the connection is transferred from the receiving company website to which the user terminal has input and transmitted the fund transfer contract application information to the IB website. When,
A function of performing storage company authentication processing by comparing storage company information stored in advance with storage company information pertaining to the inherited fund transfer contract,
A function of performing a user authentication process by comparing the account information and authentication information of the user stored in advance with the account information and authentication information included in the transferred account transfer application information,
A function of creating data for official registration based on information extracted from the fund transfer contract application information and the storage company information pertaining to the fund transfer contract,
A function of transmitting the created official registration data to the bank host for the official registration process, and further receiving, from the bank host, result data indicating whether or not the official registration process is possible;
A function of creating a contract result file in response to receiving the result data of whether the main registration is possible,
A function of transmitting the contents of the contract result file to a storage company host that builds and manages the storage company website. For the IB server,
A function to set up an electronic bulletin board that displays data related to the fund transfer contract procedure,
A function of updating the electronic bulletin board based on a result of the user authentication processing;
8. The fund transfer contract program according to claim 7, further comprising a function of updating the electronic bulletin board based on the result data of whether or not the main registration is possible. For the IB server,
9. The fund transfer contract program according to claim 8, further comprising a function of downloading data of the contract result file from the electronic bulletin board.

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