JP2007293598A - Financial transaction service method and system using potable terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make it possible to open a banking account by direct banking using a portable terminal and to sharply simplify the procedures therefor. <P>SOLUTION: A bank (3) and a portable telephone company (1) cooperate while managing information by using a terminal unique number, and complements a confirmation procedure at the bank (3) side according to the confirmation of the identity utilizing the storage information (2, 4) of the portable telephone company (1). The confirmation of the identity is implemented by using a password used for the making a contract for the portable terminal, and it is desired that the existence of an identical person (100) in an address (90) in making a contract for the portable terminal is confirmed based on the payment information of the monthly fee of the portable terminal, and that the propriety of the account opening is determined. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a financial transaction service method and a financial transaction service system using a mobile terminal, and more particularly to a mobile direct banking technique that enables a bank account to be opened by accessing a bank system from a mobile terminal.

  According to the “Act on Identification of Customers, etc. by Financial Institutions” (the so-called Identification Method: hereinafter referred to as the “Identification Method”), which is enforced on January 6, 2003, The establishment applicant is required to confirm the documents (public certificate) for confirming the identity of the person listed in the application and to store it for a certain period.

  Therefore, if you are applying for an account, please include your “address”, “name”, “birth date”, and “email address” if necessary, and confirm that you are the person you are applying for. It is necessary to submit an official certificate.

  The official certificate for confirming the identity of the person is, for example, an insured card such as a driver's license, health insurance card, passport Passport), national pension notebook, alien registration certificate, copy of resident's card created within 6 months, family register copy, seal registration certificate, etc., "name", "birth date" and "address" There is a document issued (issued) by a public office.

  In addition, if the address on the account opening application is different from the address on the official certificate, or if the address field of the passport as the official certificate is handwritten, etc. (Electricity, city gas, water, mobile phone companies, NHK issues, etc.), social insurance receipts, tax certificates, etc. may be required.

  In addition, as of April 1, 2006, the “Law Concerning Identification of Contractors, etc. by Mobile Voice Communication Operators and Prevention of Unauthorized Use of Mobile Voice Communication Services (the so-called Mobile Phone Unauthorized Use Prevention Law)” Fully enforced. As a result, mobile voice communication carriers (mobile phone operators and PHS operators) are required to verify the identity of the contractor at the time of signing and transferring a mobile phone, etc. (mobile phone and PHS). It was a punishment for mobile subscribers to declare false names when verifying their identity.

In addition, as a conventional technique related to identity verification in commercial transactions (including financial services) using a mobile terminal, for example, an IC card with special software is inserted into a mobile phone and authenticated with an authentication device on the bank side. (Patent Document 1), using a third-party certification organization (Patent Document 2), using biometrics (biological) authentication (Patent Document 3), using authentication using a random character table What to do (Patent Document 4), one that uses a one-time password (Patent Document 5), when opening an account, photograph a driver's license etc. with a camera, convert it to electronic data, and send it with a mobile email attachment for authentication (Patent Document 6).
JP 2005-122687 A JP 2003-263519 A JP 2005-182240 A JP 2001-005784 A JP 2006-004020 A JP 2005-242770 A

  Conventionally, the opening of a new account in a bank has been excluded from the service of direct banking from a mobile terminal. This is because in direct banking using a mobile terminal, since the person is in a remote place, the strict identity confirmation procedure stipulated in the identity confirmation method cannot be secured.

  Therefore, those who wish to open an account go to the bank and submit an account opening application form that includes address, name, date of birth, telephone number, e-mail address, etc. and an official certificate for identity verification. (In particular, a driver's license with an address and a photo is preferred) It was necessary to present the person in charge of opening a bank account and confirm the identity.

  Therefore, from the viewpoint of the user, it is undeniable that the procedure for opening a new account is complicated and time-consuming. As in Patent Document 6, when opening an account, a technology has been proposed in which a driver's license is photographed with a camera, converted into electronic data, and sent via a mobile attached email for authentication, but in the end, Conventionally, it is an electronic version of a procedure that has been performed using documents, and it can be said that the procedure itself performed by the user is not much different from before.

  Further, even if an account can be opened by direct banking using a mobile terminal, a new problem arises as to what kind of authentication procedure should be used for account use when the account is subsequently used.

  The present invention has been made on the basis of such considerations, and enables the opening of a bank account by direct banking using a mobile terminal, and simplifies the procedure to reduce the burden on the user. The purpose is to do.

  The financial transaction service method using the mobile terminal of the present invention is a financial transaction service method that can receive a financial transaction service including opening an account by using the mobile terminal. We will collaborate while managing information using unique numbers, and supplement the bank's confirmation procedure by verifying the identity using the information held by the mobile phone company.

  Banks and mobile phone companies work together to establish a system for transmitting and receiving necessary information by connecting each system via a communication line. While managing various information using the terminal unique number as a management index, By utilizing the information we have (information at the time of mobile phone contracts, payment information for monthly usage fees of mobile devices, etc.), it is possible to open a bank account quickly and easily by direct banking from mobile devices. It is also possible to use an appropriate account. In other words, mobile phone companies conduct strict identity verification similar to that at the time of opening a bank account using contract application documents and public certificates from the viewpoint of crime prevention, etc. when selling and contracting mobile terminals. In addition, the mobile phone company assigns a terminal unique number to each mobile terminal, and can recognize the mobile terminal individually. The present invention focuses on these points. At the time of opening a bank account by mobile direct banking, the bank does not have any information to the principal, while the mobile phone company has sufficient information about the mobile terminal contractor. Therefore, banks and mobile phone companies that effectively use the information held by mobile phone companies under efficient management with the device-specific number as one of the management indicators to supplement the bank's lack of information and procedures. Build a new financial services business model in close collaboration. The identity verification method does not require that all identity verification procedures have been completed before opening an account, and allows the procedure to be completed after opening an account. Therefore, if the identity can be confirmed by the highly reliable information held by the mobile phone company, there is no particular problem even if an account is opened, and then it is sufficient to complete the identity confirmation procedure by the bank. By paying attention to these points and introducing a novel method, it is possible to open a bank account simply by inputting simple identity verification information from a mobile terminal and sending it to the bank. And it becomes possible to carry out quickly. In this specification, the term “terminal unique number” is used as a broad term indicating unique (one and only) identification information assigned to each mobile terminal. For example, the subscriber ID given based on the contractor number (a total of 14 digits consisting of 4 digits of the operator code and 10 digits of the unique number, which is always transmitted from the mobile terminal in principle) is described in this specification. This corresponds to the “terminal unique number”. In addition, what is called a “mobile serial number” or “terminal manufacturing number” (in principle, transmitted from the mobile terminal only when the user of the mobile terminal selects) is also referred to as “terminal unique number” in this specification. include. In order for a bank and a mobile phone company to build a cooperative relationship, it is necessary to specify a common index for specifying information common to both parties and searching a database. The most reasonable information management is possible by using.

  Further, in one aspect of the financial transaction service method of the present invention, the procedure for opening a bank account using a mobile terminal is as follows: a mobile terminal, a terminal unique number, a password obtained at the time of the mobile terminal contract, Is transmitted to the mobile phone company server via the bank server or directly to the mobile phone company server, and is managed in association with the terminal specific number by the mobile phone company server. A second step of searching for a password and determining whether the received password matches or does not match, thereby verifying the identity, and if the password is confirmed to match, the bank server Further, based on the payment status of the usage fee of the mobile terminal, the existence of the mobile subscriber itself at the address acquired by the mobile phone company at the time of contracting the mobile terminal is confirmed. If the passwords match in the third step and the second step, and the third step is executed, the presence of the mobile subscriber in the address in the third step And a fourth step of opening a bank account on the condition that the confirmation has been made.

  The mobile phone company obtains a password for identity verification when contracting the mobile terminal. A person who wants to open a bank account transmits a terminal unique number and a password for the mobile terminal contract from the mobile terminal. The terminal unique number and the password at the time of the cellular phone contract are sent to the cellular phone company server via the bank server or directly, and it is determined whether or not the password is accurate. In this case, the password managed together with the terminal unique number corresponds to the personal identification information. However, even when the identity is confirmed by collating the password, it is not necessarily clear whether the user of the mobile terminal is the person who resides at the address described in the contract of the mobile terminal. Therefore, it is preferable to check the payment status of monthly mobile charges in order to confirm the existence of the person at the address. That is, the fact that payment is made without delay for a predetermined period is a proof that the mobile subscriber is present at the address. . Even if the address of the official certificate is different from the address of the application for opening an account, or if a passport with a handwritten address is presented as an official document, a receipt for public charges etc. As described above, it is permissible to confirm the existence at the specific address of the person by presenting the information, and there is no problem in checking the payment information of the mobile use fee held by the mobile phone company. By checking the address according to the payment status of the mobile usage fee, the quality (accuracy) of identity verification is improved. In this way, “Identify the mobile device” by “Terminal unique number”, “Verify the identity” by “Password at the time of contract of the mobile device”, and preferably by “Payment information of mobile device usage fee” By confirming the existence of the person's address, the person can be temporarily confirmed. Here, the identity verification method does not require that all the identity verification procedures are completed before the account is opened, and allows the procedure to be completed (completed) after the account is opened. Therefore, if the identity can be confirmed by the highly reliable information held by the mobile phone company, there is no particular problem even if an account is opened, and then it is sufficient to complete the identity confirmation procedure by the bank. Therefore, it is permitted to open a new bank account (however, it is desirable to set restrictions on its usage) on the condition that the identity of the mobile phone company has been confirmed by the reliable information held by the mobile phone company. It is. Also, when opening an account, the bank needs to obtain depositor information such as the person's name, address, date of birth, telephone number, and e-mail address. Can be satisfied. That is, “mobile subscriber information” corresponds to “personal information that has been described in an application for opening an account to be presented to a bank”. In this way, the mobile terminal user can efficiently obtain information necessary for opening an account from the mobile phone company simply by accessing the bank and transmitting the password at the time of the mobile phone contract. Quick and reliable mobile direct banking allows you to open an account.

  In another aspect of the financial transaction service method using the mobile terminal of the present invention, the bank account opened in the fourth step is a temporary account whose usage is limited compared to a regular account. is there.

  In the case of permitting opening an account through the above procedure, first, a “provisional account” whose usage mode is limited compared to a regular account is opened. Although mobile phone companies verify their identity through strict procedures at the time of contracting mobile terminals, the grounds are different, so it is not possible for a bank to open an account by directly using the mobile phone company's identity verification information. Can not. In addition, although the information held by mobile phone companies is highly reliable information as identity verification information, it is too much to permit the opening of a regular account suddenly at the stage where the identity verification procedure by the bank has not been completed. Can be considered. Therefore, at the stage where the identity of the mobile phone company has been confirmed, the mode of use has been limited (for example, cash withdrawals and withdrawals cannot be made, and only deposits and withdrawals can be made). ”Is first implemented, and financial transactions are cautious. Even for mobile terminal users, it is possible to enjoy the effect that an account that can be deposited and withdrawn can be opened in real time by access from the mobile terminal, which is much more convenient than before. It is clear.

  In another aspect of the financial transaction service method using the mobile terminal of the present invention, when the mobile phone company contracts the mobile terminal, the mobile phone company password for the subscriber of the mobile terminal (mobile contractor) And mobile subscriber information including the name and address information of the mobile subscriber, and after the subscriber starts using the mobile terminal, the usage fee of the mobile terminal In the case where the mobile phone company manages mobile payment information indicating the payment status, and the user of the mobile terminal opens a new account in the bank using the mobile terminal under such a situation. The procedure is as follows: the mobile phone company password is transmitted from the mobile terminal together with the terminal unique number to the mobile phone company server via the bank server or directly. And the mobile phone company server determines whether the received password and the password managed in association with the terminal unique number match or do not match, and performs identity verification. After the password match is confirmed in the second step and the second step, the mobile phone company server transmits the mobile subscriber information and the mobile fee payment information to the bank server. A third step and a fourth step of confirming the existence of the contractor himself / herself at the address of the contractor acquired at the contract time of the mobile terminal by examining the mobile charge payment information in the bank server; In this fourth step, when the presence of the subscriber at the address can be confirmed, the bank server refers to the mobile subscriber information and makes a deposit. Who created the file, and, in the fifth step to open a temporary account to use aspect has been limited compared to the normal bank account, the, including.

  “Identify the mobile device” with the “Device unique number”, “Verify the identity” with the “Password when signing the mobile device”, and “Payment information for mobile device usage fee” "Confirmation" and "Depositor information (person's name, address, date of birth, telephone number, e-mail address, etc.)" to be registered in the depositor file uses the "mobile subscriber information" of the mobile phone company. In the case of permitting opening an account, first, a “temporary account” whose use mode is restricted (compared to a regular account) is opened. Although mobile phone companies verify their identity through strict procedures at the time of contracting mobile terminals, the grounds are different, so it is not possible for a bank to open an account by directly using the mobile phone company's identity verification information. Can not. In addition, although the information held by mobile phone companies is highly reliable information as identity verification information, it is too much to permit the opening of a regular account suddenly at the stage where the identity verification procedure by the bank has not been completed. Can be considered. Therefore, at the stage of identity verification by information held by the mobile phone company, the usage mode is limited (for example, cash withdrawal and transfer are not possible, transfer and deposit are only possible) Opening will be implemented first, and financial transactions will be cautious. Even for mobile terminal users, it is possible to enjoy the effect that an account that can be deposited and withdrawn can be opened in real time by access from the mobile terminal, which is much more convenient than before. It is clear.

  Further, in another aspect of the financial transaction service method using the mobile terminal of the present invention, after the provisional account is opened, the bank obtains the bank password and the access information necessary for the account use start registration by the personal limited receipt mail. A sixth step of sending the account use start information including the address to the mobile subscriber; and the user of the mobile terminal receives the personal limited mail, accesses the bank site indicated by the access information, and the terminal unique number And a seventh step of transmitting the account use start information including the bank password to the bank server, and at least the bank password and other information included in the use start information received by the bank server. One and at least one of a bank password and other information managed in association with the mobile device unique number, and Match / mismatch is determined, if it is confirmed a match, the temporary account, and the eighth step of shifting to a normal account, and further comprising.

  This example clarifies an example of a procedure for transferring a “temporary account” to a “regular account” when a “temporary account” is opened. In other words, after opening a temporary account, the bank will receive the bank password (which is different from the password for the mobile phone contract (password for the mobile phone company)) and the access necessary for registering to start using the account via limited mail. The account use start information including the information, and other information such as a cash card is sent to the address of the contractor of the mobile terminal. If the person is not resident at the address, the document sent by the person's limited receipt mail should be returned on the grounds of the absence of the recipient, otherwise the mail document will certainly be This is a proof of delivery to the mobile subscriber's address. As a result, the bank has been able to confirm the existence of the principal at the address by an original procedure. After that, when the bank account access start registration site is accessed from the mobile terminal and there is an input such as the bank password sent by the person's limited mail, the bank password is correct, It can be confirmed that the access is from the person who resides at the address. At this point, since the identity verification procedure based on the identity verification method is completed, the “temporary account” is upgraded to a “regular account (ordinary account)” and all transactions are permitted. The mobile terminal user can receive a mail limited to the person at home and access a predetermined site of the bank server from the mobile terminal to open a “regular account”. Therefore, even after such a two-stage account opening procedure, the user of the mobile terminal can substantially open a normal account only by accessing from the mobile terminal, and it is necessary to go to a bank without fail. Compared to this, it is clear that convenience has improved significantly.

  In another aspect of the financial transaction service method using the portable terminal of the present invention, the temporary account can only be transferred and withdrawn.

  This clarifies the transaction modes that can be used for temporary accounts.

  Further, in another aspect of the financial transaction service method using the mobile terminal of the present invention, when it is confirmed by the mobile charge payment information that the payment result of the monthly mobile use charge conforms to a predetermined condition. In addition, it is considered that the mobile subscriber has been confirmed at the address.

  It is possible to determine (confirm) whether or not the address at the time of the mobile phone contract is the real life base of the mobile phone subscriber by checking whether or not the payment result of the mobile phone usage fee satisfies the predetermined condition. it can. For example, the mobile subscriber's address should be confirmed that at least the payment of mobile usage fees for multiple months has been confirmed (for example, the mobile usage fees have been paid without delay in 3 months retroactive from the present time). This can be a condition for confirming the existence of the person. This is because it is considered necessary to check the payment status over a certain period in order to confirm that a specific address is the home of the person's life and daily activities. If the payment has been delayed or the payment has suddenly deteriorated recently, a statement that prompts you to come to the bank counter rather than refuse to open the account itself. It is desirable to display on the display of the portable terminal. However, the conditions for identity verification based on the payment results of mobile usage fees are not limited to the above conditions, and flexible conditions can be set for various cases by combining various requirements such as weighting the conditions. It can be performed.

  In another aspect of the financial transaction service method using the mobile terminal of the present invention, when the mobile terminal user has a question about the payment capability as a result of the determination based on the mobile usage fee payment information, Opening is permitted, but lending to the account contractor is restricted.

  The result of checking the payment status reveals that it can be used for purposes other than opening an account. For example, if the charges for recent months have been paid properly, but there have been many payment delays before, the mobile subscriber's ability to pay may be considered a problem. In such a case, an account is allowed to open, but lending with a cash card is restricted (prohibited).

  Further, in another aspect of the financial transaction service method using the mobile terminal of the present invention, an account is opened in consideration of not only the payment information of the mobile usage fee but also other information related to the mobile subscriber owned by the mobile phone company. Whether or not is possible is determined comprehensively.

  It is clarified that not only the payment information of the monthly mobile terminal usage fee but also other information held by the mobile phone company may be used for determining whether to open an account. For example, biometric information held by a mobile phone company can be used. This makes it possible to perform identity verification with higher accuracy.

  In another aspect of the financial transaction service method using the mobile terminal of the present invention, a desired financial transaction service for the regular account opened through the procedure according to the present invention by accessing a bank server from the mobile terminal. In order to receive the information, in addition to the identity verification using the bank password, the depositor information held by the bank and the mobile subscriber information held by the mobile phone company must be matched.

  After an account is opened by mobile direct banking, an example of the procedure for permitting the use of financial services by mobile direct banking for the account is clarified. As described above, account opening by mobile direct banking is sufficiently cautious, but it has the uniqueness of an account opened after identity verification based on information held by the mobile phone company. In addition, since the bank manager is not an account opened by directly confirming the depositor who went to the counter and the voice, it is possible to authenticate the person more carefully than the account opened through the conventional procedure. It can be said that it is desirable. Therefore, in addition to verification by bank password (others may require a bank contractor number, etc.), bank depositor information (address, name, date of birth, telephone number) No.) and mobile subscriber information are also determined, and the transaction desired by the user of the mobile terminal with respect to the mobile terminal of the terminal specific number is provided on the condition that the match is confirmed here. Is allowed. By going through the identity verification procedure by the mobile phone company, the authentication procedure becomes stricter than in the case of ordinary financial transactions, and thus the safety of financial transactions by mobile direct banking is ensured.

  Further, in another aspect of the financial transaction service method using the mobile terminal of the present invention, a desired financial transaction is performed for the regular account opened through the procedure according to the present invention by accessing the bank server from the mobile terminal. In the case of receiving the service, the mobile terminal transmits at least one of the bank password and other information included in the account use start information together with the terminal unique number to the bank server. The depositor file created in the fourth step of claim 3 is managed by being linked to the terminal unique number in the bank server and managed by the bank server, and the received bank password and At least one of other information, at least one of the bank password and other information registered in the depositor file, A second step for determining match / mismatch, and when a match is determined in the second step, the bank server registers the mobile phone company server with the terminal unique number in the depositor file. A third step of transmitting the depositor information, and the mobile phone company server collating the received depositor information with the terminal contractor information managed in association with the terminal unique number. A fourth step of determining a match / mismatch and notifying the bank server of the result, and the bank server, when notified of the match from the mobile phone company server, And a fifth step characterized by permitting the terminal to perform a desired financial transaction.

  When the mobile terminal user transmits a bank password (otherwise, a bank contractor number or the like may be required) together with the terminal unique number to the bank server, it is determined whether the input information matches or does not match. Of course, after that, the depositor information (address, name, date of birth, phone number, etc.) is sent to the mobile phone company server to match the mobile subscriber information held by the mobile phone company. A mismatch is determined, and the transaction desired by the user of the mobile terminal is permitted to the mobile terminal having the terminal unique number on condition that the match is confirmed. By going through the identity verification procedure by the mobile phone company, the authentication procedure becomes stricter than in the case of ordinary financial transactions, and thus the safety of financial transactions by mobile direct banking is ensured.

  The financial transaction service system of the present invention realizes the financial transaction service method using the mobile terminal of the present invention by the bank and the mobile phone company cooperating while managing information using the terminal unique number. A financial transaction service system, an account information database in which depositor information is registered, an account management means for managing the account information database, an authentication means having a function for determining whether information matches or not, and account entry / exit A bank server provided on a communication network, having a billing means for managing money and a communication interface means for transmitting and receiving information via the communication network, and a mobile subscriber who registers mobile subscriber information A database, a mobile subscriber management means for managing the mobile subscriber database, and a function for determining whether information matches or does not match One has an authentication unit, a management unit of the payment status of the mobile rates, having a communication interface means for transmitting and receiving information through the communication network, and the bank server provided on a communication network.

  Bank server and mobile phone company server equipped with communication interface, database, database management means, authentication means for performing verification judgment of passwords and other identity verification information, etc., send and receive information according to a predetermined communication protocol, mobile direct It is a system that enables financial transaction services including bank opening by banking. By building this new financial service system, it becomes possible to complement bank procedures with information held by mobile phone companies, and there are innovative financial transaction services that each mobile terminal user, mobile phone company and bank can enjoy. Realized.

  In addition, another aspect of the financial transaction service system using the mobile terminal of the present invention is that the bank and the mobile phone company cooperate while managing information using the terminal unique number, so that the financial transaction service for opening an account is established. A financial transaction service system using a mobile terminal that realizes the method, and opens a new account on the condition of verifying the identity by verifying the password for the mobile phone and confirming the address of the identity based on payment information of the mobile usage fee. A bank server provided with an account open / close determination unit for permitting, a verification check unit for performing verification processing of the mobile phone password, a database search unit for searching the payment status database and extracting payment information of mobile usage charges, And a mobile phone company server.

  Basically, this system can be constructed by providing an account open / close determination unit, a collation confirmation unit, and a database search unit, and sending and receiving information between each unit, and the information handled is not special. The processing performed by each unit is also relatively simple processing such as collation and search, and thus is easy to implement.

  Also, in another aspect of the financial transaction service system using the band terminal of the present invention, a bank and a mobile phone company use an account that has already been established by cooperating while managing information using a terminal unique number. A financial transaction service system using a mobile terminal that implements the financial transaction service method of the above, including identity verification by verifying the bank password, depositor information held by the bank, and mobile subscriber information held by the mobile phone company The bank server with an account usage authentication unit that allows account usage on condition that the bank server matches, and the depositor information held by the bank matches the mobile subscriber information held by the mobile phone company, and the match / mismatch A mobile phone company server including a verification check unit for determining

  This system can basically be constructed by providing an account usage authentication unit and a verification / confirmation unit, and sending and receiving information between each unit, and the information handled is not special. However, since it is a relatively simple process such as collation and search, it is easy to implement.

(1) According to the present invention, in particular, the procedure for opening a bank account is greatly simplified. For example, a portable terminal user can use a desired financial transaction service including opening an account by simply inputting a single password and transmitting it to a bank site. Therefore, the burden (particularly the burden associated with opening an account) of the mobile terminal user using the bank is reduced, and the convenience of direct banking using the mobile terminal is greatly improved.
(2) In addition, since the mobile terminal user only needs to access the bank server and exchange of information between the bank server and the mobile phone server is performed in the background and using the terminal unique number, for example, While the procedure for the desired financial transaction service is continuing, the display screen of the display attached to the mobile terminal will not change, causing the mobile user to feel uncomfortable, and there will be a long waiting time before the start of use. It is not necessary.
(3) In addition, the bank, in cooperation with the mobile phone company, will carry out the identity verification obligations in good faith and pay due attention to the safety of financial transactions, and will make an account with mobile direct banking. Opening services etc. can be provided. As a result, mobile terminal subscribers have more opportunities to open new accounts at banks, and this can be expected to increase the number of accounts. be able to.
(4) In addition, the mobile phone company will try to differentiate itself from other companies in terms of service by appealing to customers that it is possible to open an account by mobile direct banking using the password at the time of contracting the mobile terminal. As a result, an increase in the number of customers can be expected.
(5) Further, in the present invention, the mobile terminal is first authenticated by the mobile unique number, and thereafter, the mobile unique number is used as an information management index, thereby linking the bank and the mobile phone company, managing and transferring information. Can be performed efficiently.
(6) According to the present invention, it is possible to construct a new business model in which a bank and a mobile phone company cooperate, and it becomes possible to open a bank account by direct banking using a mobile terminal, and the procedure at that time is remarkably simplified. The burden on the mobile terminal user when using the bank is greatly reduced.

  Before describing specific embodiments of the present invention, the advantages of information management using “terminal unique numbers” and “terminal unique numbers” will be described.

  In the following description, the “terminal unique number” is, for example, a subscriber ID (a 14-digit number consisting of a 4-digit business code and a 10-digit unique number) assigned based on a contractor number. In principle, the unique number is always transmitted. In addition, it may be called a portable serial number and a terminal manufacture number, and these may be transmitted only when a portable user selects.

  In order for a bank and a mobile phone company to build a cooperative relationship, it is necessary to specify a common index for specifying information common to both parties and searching a database. By using, information can be managed most rationally.

  That is, the bank is accessed by the mobile terminal, and finally grants transaction permission to the mobile terminal. It is most efficient to first identify the mobile terminal and manage the information centrally with the terminal unique number unique to the mobile terminal consistently until the end. Since the “terminal unique number” is a unique (one and only) ID number assigned to each portable terminal, authentication of the portable terminal can be easily performed and managed. If information is managed using personal information such as name as an index, there is a risk that the information itself may change in the middle, and searching the database may be troublesome.

  Further, the only person who can receive the account opening service by the portable direct banking of the present invention is the contractor of the cellular phone company. Mobile subscribers include, in principle, “persons with telephone contracts only” and “persons with both telephone and e-mail contracts”. However, in reality, since it is considered that there are many occasions where e-mail is used, the beneficiaries of this service may be limited to only those who have contracted including e-mail. In this case (the latter case), there is an advantage that the effect of increasing the number of contracts with not only telephones but also electronic mails can be expected with the account opening service of the present invention.

  Next, embodiments of the present invention will be described with reference to the drawings.

(First embodiment)
FIG. 1 is a diagram showing an outline of a procedure for opening a bank account in a financial transaction service method using a mobile terminal of the present invention.

  In the lower left side of FIG. 1, information given by the mobile phone company 1 to the mobile subscriber 100 and received from the mobile subscriber when the mobile terminal 200 is sold or contracted is exemplified. As shown in the figure, when a mobile phone company sells a mobile terminal, it carries out a strict registration procedure and exchanges necessary information.

  That is, the mobile phone company 1 receives the “name (kanji / kana)”, “address (kanji / kana)”, “birth date”, “password for the mobile phone company (password A) ) ”Information.

  At the same time, the mobile phone company 1 adds a “contractor number (added per contractor)”, “mobile phone number”, and “terminal unique number (added per terminal)” to the mobile subscriber 100. These pieces of information are registered as the mobile subscriber information 2 in the mobile subscriber database (DB) 430, and are managed in association with the terminal unique number.

  In addition, the mobile phone company 1 acquires the monthly mobile usage fee payment information 4 of the mobile subscriber after the mobile terminal contract, and registers and manages it in the payment status database (DB) 440. The mobile usage fee payment information 4 is also managed in association with the terminal specific number.

  On the assumption of such a situation, as shown in the upper center of FIG. 1, a mobile subscriber (sometimes referred to as a mobile terminal user) 100 accesses the bank 3 from the mobile terminal 200 under his own name and automatically Along with the terminal unique number set in the portable terminal 200, the password (A) (mobile phone company password) at the time of the cellular phone contract is transmitted to the bank 3 (procedure Q1).

  The bank 3 is linked to the mobile phone company 1 via a communication line. When a mobile phone company password is sent from the mobile subscriber 100 together with the terminal specific number, the connection destination of the gateway device (not shown) is set. Then, the mobile phone company is switched to the linked mobile phone company (procedure Q2), and the transmitted information is transmitted as it is to the mobile phone company 1 (procedure Q3). In this respect, although it apparently passes through the bank 3, the mobile phone company password is substantially equivalent to being sent directly to the mobile phone company 1. This is because it is considered that it is not preferable for the bank to know the contents of the mobile phone company password for information security. Therefore, the bank transfers the mobile phone company password to the mobile phone company 1 as it is. It is a thing. As described above, as a general rule, the mobile phone company password does not involve the bank as described above, so that the mobile phone subscriber 100 directly uses the mobile phone company password together with the terminal specific number as the mobile phone carrier. There is no particular problem even if it is transmitted to the telephone company 1.

  The mobile phone company 1 receives the information sent from the bank 3, searches the contractor database 430 using the terminal unique number as an index, retrieves the contractor information 2, and is registered with the sent password (A). A match / mismatch with the current password (A) is determined. If the passwords do not match, the bank 3 is notified of the password (A) mismatch, and the bank 3 notifies the mobile terminal user 100 that “the password (A) does not match. Please send a notice stating that you are unable to do so, please re-proceed at the bank counter (Procedure Q4). Note that there is no particular problem even if this notification is sent from the mobile phone company 1 to the mobile subscriber 100.

  On the other hand, when the match of the password (A) is confirmed, the mobile phone company 1 uses the mobile subscriber information 2 (name, address, date of birth, mobile phone number, e-mail address, etc.) in the mobile subscriber database 430. Then, the mobile usage fee payment information 4 in the payment status database 440 is transmitted to the bank 3 together with the terminal specific number (procedure Q5).

  The bank 3 receives the information sent from the mobile phone company 1, and first confirms that the fee has been paid without delay in the past three months based on the payment information 4 of the mobile usage fee. If the confirmation cannot be obtained, it is not possible to confirm the existence of the person at the mobile subscriber's address. A notification to that effect is issued to the mobile terminal user 100 (procedure Q7).

  It is preferable to check the person's address based on the payment status of the mobile usage fee in order to improve the accuracy of identity verification. In addition, it is unavoidable to omit the address check. In order to confirm that a specific address is the home of the person's life and daily activities, it is necessary to check the payment status over a period of time (preferably at least the last three months). It is believed that there is. If the payment has been delayed or the payment has suddenly deteriorated recently, a statement that prompts you to come to the bank counter rather than refuse to open the account itself. It is desirable to display on the display of the portable terminal. However, the conditions for identity verification based on the payment results of mobile usage fees are not limited to the above conditions, and flexible conditions can be set for various cases by combining various requirements such as weighting the conditions. It is also possible to perform.

  When the payment has been confirmed, the process proceeds to step Q8, and a temporary account (an account whose usage mode is restricted compared to a regular account) is opened. At this time, the bank 3 gives the deposit contractor number, account type, and account number information to the depositor's temporary account. In order to open a temporary account, the depositor's name, address, date of birth, mobile phone number, e-mail address, etc. are required (usually the matters described in the application for opening an account) Here, in step Q5, the mobile subscriber information 2 (name, address, date of birth, mobile phone number, e-mail address, etc.) transmitted from the mobile phone company 1 is used as it is to open a temporary account.

  Here, it is assumed that the temporary account can only be transferred and withdrawn, for example, and cannot be cashed (cash withdrawal) or transferred to another account. Considering the peculiarities of mobile direct banking, we will carefully open an account.

  In other words, although the address of the person can be confirmed for the time being, the confirmation is based on information held by the mobile phone company and is not independently confirmed by the bank, and the procedure based on the identification method is not completed. Under such circumstances, it can be considered too much to allow the opening of a “regular account” at once. Therefore, a “temporary account” is first established with limited usage (as described above, cash cannot be withdrawn or transferred, and only transfer deposits and withdrawals are possible). Even if it does in this way, from the viewpoint of the mobile terminal user, an account that can be transferred and transferred can be opened in real time by access from the mobile terminal, which is much more convenient than before. It is clear.

  Next, after opening the temporary account, the bank 3 will receive a bank password (B) (which is different from the password (A) at the time of the mobile phone contract) and access information necessary for registering to start using the account by limited receipt mail. The account use start information including (dedicated URL) and other information such as a cash card are sent to the address 90 of the contractor 100 of the portable terminal 200 (procedure Q9).

  If the person 100 is not resident at the address 90, the document sent by the person's limited receipt mail should be returned on the grounds of the absence of the recipient, otherwise the mail document will be Certainly, it is a proof that it has arrived at the address of the mobile subscriber. As a result, the bank can confirm the existence of the person at the address 90 by an original procedure.

  The person 100 who received the personal limited receipt mail from the bank 3 then accessed the bank account start registration site from the mobile terminal 200 in his own name, and was sent by personal limited mail together with the terminal unique number. A bank password (password (B)) or the like is transmitted (procedure Q10).

  Next, the bank 3 performs the verification check of the password (B) (procedure Q11), and when it is confirmed that the password is proper (B), the procedure by the personal identification method is completed. At that time, an official (normal) account is opened (procedure Q12). As a result, all financial transactions are permitted for the portable terminal having the terminal unique number.

  As described above, the mobile terminal user 100 can receive the limited mail at the home 90, access the predetermined site of the bank 3 from the mobile terminal 200, and open a “normal account”. Even after the two-step account opening procedure, the user of the mobile terminal can actually open a normal account only by accessing from the mobile terminal, compared to the conventional case where it was necessary to go to the bank, It is clear that convenience has improved dramatically.

  FIG. 2 is a diagram showing an outline of a procedure (account use registration) for permitting use of a financial service by mobile direct banking for an account after the account is opened by mobile direct banking.

  The mobile terminal user 100 transmits the deposit contractor number and the password (B) to the skill 3 together with the automatically set terminal unique number from the mobile terminal 200 in the self-name (procedure Q20).

  The bank 3 collates with the depositor information linked to the terminal unique number (procedure Q21), and if it does not match, returns a transaction impossible notice to the mobile terminal user 100 (procedure Q22), and the match is confirmed. If so, the bank 3 transmits the depositor information together with the terminal specific number to the mobile phone company 1 (procedure Q23).

  The mobile phone company 1 compares the received depositor information with the terminal contractor information managed in association with the terminal unique number to determine a match / mismatch (step Q24). When the bank 3 receives a notification of coincidence, the bank 3 permits a desired financial transaction to the mobile terminal with the terminal specific number (step Q25). Thus, a desired transaction can be made (procedure Q22). On the other hand, when there is a discrepancy notification from the mobile phone company 1, the depositor (mobile terminal user) 100 is informed that “the transaction cannot be permitted because the transaction conditions do not match, so please come to the bank window”. (Procedure Q27).

  As explained with reference to Fig. 1, account opening by mobile direct banking is sufficiently careful, but it has the uniqueness of an account opened after identity verification based on information held by mobile phone company 1 In addition, since the bank manager is not an account opened by directly confirming the figure and voice of the depositor who went to the counter, it is more careful than an account opened through the conventional procedure It can be said that personal authentication is desirable. Therefore, after the mobile terminal user transmits the bank password (here, the bank contractor number is also requested at the same time) to the bank 3 together with the terminal unique number, the match / mismatch of the input information is determined. Of course, after that, the depositor information (address, name, date of birth, telephone number, etc.) is further transmitted to the mobile phone company 1 to match the mobile subscriber information held by the mobile phone company 1. A mismatch is determined, and the transaction desired by the user of the mobile terminal is permitted to the mobile terminal having the terminal unique number on condition that the match is confirmed.

  Through the identity verification procedure by the mobile phone company 1, the authentication procedure is stricter than in the case of ordinary financial transactions, and thus it can be said that the safety of financial transactions by mobile direct banking is ensured. .

(Second Embodiment)
FIG. 3 is a diagram showing main functional blocks necessary for opening a bank account by the financial transaction service method using the portable terminal of the present invention and specific operation procedures of each part.

  As shown in the figure, the bank server 300 includes an account opening availability determination unit 310, an account opening unit 320, and an account information database 336.

  In addition, the mobile phone company server 400 includes a verification check unit 410, a database search unit 420, a contractor database 430, and a payment status database 440.

  The user (mobile terminal contractor) 100 of the mobile terminal 200 transmits the password (A) (other personal information such as name if necessary) to the bank together with the terminal unique number from the mobile terminal 200 (step S10). . Since the bank is not involved in the contents of the password (A) in principle, the connection destination of the gateway device (not shown) is switched to the linked mobile phone company server 400, the terminal unique number and the password (A ) Is transferred as it is to the mobile phone company server 400 (step S30). The verification checking unit 410 in the mobile phone company server 400 searches the contractor database 430 using the terminal unique number as an index, and checks the password (A) (step S40). The inconsistency notification (A) is returned to the bank server 300 (step S50). In this case, the account opening possibility determination unit 310 in the bank server 300 notifies the portable terminal user 100 of the mismatch of the password (A) (step S20).

  On the other hand, when the collation result of the password (A) in the collation confirmation unit 410 in the mobile phone company server 400 is “match”, the database search unit S420 is activated (step S51). The database search unit 420 searches the contractor database 430 and the payment status database 440 using the terminal unique number as an index (step S52), and determines whether the account can be opened or not as a result of the contractor information and the payment information of the mobile charge. It transmits to the determination part 310 (step S60).

  The account open / close determination unit 310 in the bank server 300 confirms the existence of the person at the address of the mobile subscriber based on the payment information of the mobile fee. If the confirmation is obtained, the “temporary account” is opened. If it is permitted and confirmation cannot be obtained, the provisional account is not permitted to be opened (step S71). Then, permission / non-permission of account opening is notified from the bank server 300 to the mobile terminal user 100 (step S70).

  When the opening of the temporary account is permitted, the account opening unit 320 uses the contractor information sent from the mobile phone company server 400 in step S60 and creates the depositor file 340 in the account information database 336. To do.

  The bank sends the cash card, the bank password (password (B)), and the access information (dedicated URL) to the account use start registration site to the address of the mobile terminal contractor 100 by the person limited mail (step S72). ). Then, the portable terminal contractor 100 who has received the personal limited mail accesses the account use start registration site and inputs the password B (step S73), and if the password (B) is proper, The account opening unit 320 registers the transaction enable flag 341 in the depositor file 340 (step S74). As a result, the “temporary account” is promoted to a “regular account” and all transactions are possible.

  The above procedure is summarized as shown in FIG. FIG. 4 is a flowchart showing the main procedure for opening an account by mobile direct banking shown in FIG.

  As shown in the figure, the mobile terminal user transmits the password (A) at the time of the mobile phone contract to the mobile phone company. As a transmission mode, it is desirable to transmit to a mobile phone company via a bank, but it may be transmitted directly to a mobile phone company. When going through the bank, when the bank server is accessed by the mobile terminal user, the bank server switches to the mobile phone company to which the connection destination is linked, so that the password (A) is directly passed to the mobile phone company. Sent (ST1).

  The mobile phone company server verifies the password (A), and then extracts the contractor information and payment information associated with the terminal unique number and transmits them to the bank server (ST2).

  The bank server determines whether the contractor information matches the depositor information. In the case of coincidence, based on the payment information, “existence of the mobile subscriber himself / herself at the address at the time of the mobile phone contract” is confirmed (ST3).

  If the confirmation is obtained, the bank opens a “temporary account (transfer deposit, account withdrawal only)” (ST4). Subsequently, the bank sends the information necessary for the account use start registration (password (B), dedicated URL, contractor number, account number, account type, cash card, etc.), etc., by the limited mail received by the person (ST5). .

  The mobile terminal user accesses the dedicated URL, logs in with the password (B), and performs account use start registration (ST6). After verification of the password (B), the bank server creates a “transaction possible flag” and stores it in the depositor file, thereby completing the establishment of the official account (main account) (ST7).

  FIG. 5 shows main functional blocks necessary for determining whether or not a mobile terminal user receives a desired financial service (use registration) and specific operation procedures of each part for an account opened by mobile direct banking. FIG.

  As illustrated, the bank server 300 includes an account use authentication unit 350, an account information database 330, and an account system 360.

  Further, the mobile phone company server 400 includes a collation confirmation unit 410 and a contractor database 430.

  The mobile terminal user (mobile contractor) 100 sends the bank contractor number and password (B) (bank password) to the bank server 300 together with the terminal unique number automatically set from the mobile terminal 200 in the self-name. Transmit (step S80).

  The account use authentication unit 350 in the bank server 300 searches the account information database 330 using the received terminal unique number as a search index (search index), and first, whether or not the transaction available flag (see FIG. 3) is on. After confirming, it is determined whether or not the received password (B) matches the registered password (B) (step S81). If they do not match, a mismatch notification is returned to the mobile terminal user 100. (Step S82).

  When the password (B) matches in step S81, the bank server 300 sends the deposit contractor information (contractor number, name, address, date of birth) together with the terminal unique number to the mobile phone company server 400. (Step S90).

  The verification checking unit 410 in the mobile phone company server 400 searches the mobile subscriber database 430 using the terminal unique number as a search index, and the contents (name, etc.) of the received deposit contractor information are registered. It is determined whether or not it matches the contractor information (name, etc.) (step S91).

  As a result of the collation in step S91, the cellular phone company server 400 turns on the identity confirmation flag and transmits it to the bank server 300 together with the terminal unique number (step S92).

  The account use authentication unit 350 in the bank server 300 confirms whether the identity verification flag is on / off, and notifies the mobile terminal user 200 of permission / non-permission of the transaction (step S100). When the identity confirmation flag is on and the transaction is permitted, the account use authentication unit 350 registers the use permission flag in the account system 360 in association with the terminal unique number (step S110).

  The portable terminal user 100 accesses the billing system 360 and transmits a terminal unique number and a transaction request, whereby a desired financial transaction is started (step S111).

  The above procedure is summarized as shown in FIG. FIG. 6 is a flowchart showing a main procedure for account use registration by portable direct banking shown in FIG.

  First, the mobile terminal user inputs the contractor number and the password (B) to the terminal, and transmits them to the bank server together with the automatically set terminal unique number (step ST10).

  The bank server searches the account information database for the deposit contractor information associated with the terminal unique number, and verifies the identity by comparing the contractor number with the password (B). After confirmation, deposit contractor information (name, address, date of birth) is transmitted to the mobile phone company together with the terminal unique number (ST11).

  Next, the mobile phone company server searches the mobile subscriber information in the subscriber database, searches the mobile subscriber information associated with the terminal unique number, and the deposit subscriber information transmitted from the bank server. And terminal contractor information are collated to determine a match. After confirming the match, the “identity confirmed flag” is turned on and returned to the bank server (ST11).

  The bank server notifies the mobile terminal user of permission / non-permission of the transaction in response to turning on / off of the “identity confirmed flag” (ST13).

The mobile terminal user who has received the transaction permission notification transmits a transaction request to the bank server and starts a desired transaction (ST14).
(Third embodiment)

  In the present embodiment, the configuration (hardware configuration) of a financial transaction service system using a mobile terminal and the specific information exchange procedure between the mobile phone company, the bank server and the mobile terminal user according to the present invention will be described. .

  FIG. 7 is a block diagram showing a hardware configuration of a financial transaction service system using a portable terminal according to the present invention.

  As shown in the figure, the financial transaction service system using a mobile terminal of the present invention includes a mobile terminal 200 owned by the mobile terminal user 100, a base station 202 for the mobile terminal, a communication network 204, and a bank server 300. And the mobile phone company server 400.

  The bank server 300 includes a communication interface (including a transmission / reception function, a compression / decompression function, and a firewall function) 301, a host computer 302 that comprehensively controls the operation of each unit, and an account management terminal that manages account information of depositors. (Account management means) 303, account information database 330 (accumulating depositor file 340 of each depositor), authentication server 304, account system (account server) 305 for managing deposits and withdrawals, An input device 307 and a display device 306 are provided.

  The authentication server 304 can refer to the account information database 330 as appropriate, and has a function of determining the match / mismatch of various information including passwords for identity verification.

  3 corresponds to the authentication server 304 in FIG. 7, and the account opening unit 320 in FIG. 3 corresponds to the host computer 302 in FIG.

  7 includes a communication interface (including a transmission / reception function, a compression / decompression function, and a firewall function) 401, a host computer 402, and a contractor management server 403 that manages mobile subscriber information. An authentication server 404, a fee collection system 405, a display device 406, an input device 407, a payment status database 430, and a mobile subscriber database 420.

  The authentication server 404 can refer to the contractor database 420 as appropriate, and has a function of determining whether the various information including the password for identity verification matches or does not match.

  Note that the collation confirmation unit 410 and the database search unit 420 in FIG. 3 correspond to the authentication server 404 in FIG.

  FIG. 8 is a flowchart showing a specific information exchange procedure among the mobile phone company, the bank, and the mobile terminal user when an account is opened in the bank using the financial transaction service system of FIG.

  When opening an account, first, the mobile terminal user performs an account opening application procedure (step S100). That is, the mobile phone company password (password (A)) is transmitted to the bank together with the terminal unique number (step S101).

  The bank transfers the sent information to the linked mobile phone company (step S102). The cellular phone company searches the cellular phone subscriber database 420, collates the password (A) (step S103), and returns the collation result (name information as necessary) to the bank (step S104).

  When the password (A) does not match, the bank transmits a password mismatch notification to the portable terminal user, and when the password (A) matches, the bank transmits name information (step S106).

  When the procedure is continued, the personal name information is displayed on the display of the mobile terminal of the mobile terminal user for confirmation (step S107). This is to confirm that the mobile terminal is in the name of the principal. In other words, it is assumed that a husband and wife share a single mobile terminal and his wife uses a mobile terminal in the name of his husband, or an employee uses a mobile terminal with a corporate contract. In order to confirm that only the subscriber of the mobile terminal can receive the opening service, the name is displayed.

  Subsequently, after obtaining the consent that the bank may send the personal information to the mobile phone company, the personal information (birth date) is entered to authenticate the identity of the mobile terminal contractor. The personal information is transmitted to the bank together with the terminal unique number (step S109 (1)). At the same time, the display of the portable terminal is switched to the determination waiting screen (step 109 (2)).

  Note that steps S107 and S108 may be omitted.

  Next, the bank transfers personal information together with the terminal unique number to the mobile phone company (step S110). The mobile phone company searches the contractor database 420 using the terminal unique number as a search index, and also searches the payment status database 430 to extract payment information for mobile usage charges (step S111), and transmits it to the bank.

  Based on the payment information of the mobile usage fee, the bank confirms the existence of the person at the address at the time of the mobile phone contract, and thereby determines whether or not an account can be opened (step S112). This determination of whether or not to open an account can be performed by a mobile phone company, but it is not preferable for the mobile phone company to permit / deny banking operations called “account opening”. The company sends mobile usage fee payment information to the bank, and the bank decides whether to open an account. Then, the bank notifies the portable terminal user of permission / denial of account opening (step S113).

  On the display of the mobile terminal user's mobile terminal, the message “Account opened” is displayed (step S114). On the other hand, a temporary account is opened in the bank (step S115), and a depositor file 330 is created (step S116).

  Next, the bank sends account use start registration URL information, a cash card, a bank password (password (B)), etc. to the mobile terminal user by mail limited to the person (step S117).

  Upon receipt of the limited mail, the person performs account use start registration (step S118), and transmits the password (B) together with the terminal specific number to the bank (step S119).

  In the bank, the password (B) is collated (step S120), and after confirming that the password (B) matches, a transaction enable flag 341 is generated and registered in the depositor file 330 (step S121). Then, the bank issues a usage permission notification to the mobile terminal user (step S122).

  FIG. 9 shows a procedure for exchanging specific information among mobile phone companies, banks, and mobile terminal users when receiving a desired financial service for an established account using the financial transaction service system of FIG. FIG.

  The mobile terminal user performs use start registration (step S200), and transmits the depositor contractor number and the password (B) together with the terminal unique number to the bank (step S201). In the bank, the depositor file 330 is searched, the password (B) is verified (step S202), and a reply (or transaction permission notice) such as name information is transmitted to the mobile terminal user (step S203).

  After display of the name on the display of the mobile terminal of the mobile terminal user and confirmation by the user (step S204), with the consent that personal information may be transmitted from the bank to the mobile phone company (step S205), A message to that effect is transmitted to the bank (step S206 (1)), and at the same time, the display on the mobile terminal is switched to the “authenticating” display (step S206 (2)).

  The bank transmits the depositor contractor number and depositor information (name, address, date of birth, etc.) together with the terminal unique number to the mobile phone company (step S207).

  The mobile phone company searches the contractor database 420 associated with the terminal unique number in the contractor database 420 (step S420), compares the depositor contractor information with the mobile contractor information, and matches / mismatches them. (Step S208), if they match, an identity confirmation flag is transmitted to the bank (step S209). At this time, the depositor contractor number is also registered in the mobile contractor database 420. By registering the depositor contractor number in the mobile contractor database 420, the depositor contractor number can be used for the next verification.

  The bank determines the presence / absence (on / off) of the identity confirmation flag (step S210), and when the identity confirmation flag is present, transmits a transaction permission notification to the mobile terminal user (step S211), and A “transaction permission flag” is registered in the accounting system (step S212). Further, when there is no identity confirmation flag (off), a transaction impossible notice is notified to the mobile terminal user (step S213).

  And the display of the portable terminal in which the transaction is permitted is switched to the transaction screen (step S214).

  Although the present invention has been described with reference to the embodiments, the present invention can be variously modified and applied without departing from the spirit of the present invention.

  The “portable terminal” includes not only a mobile phone terminal but also a PDA (Personal Digital Assistant) and a portable computer terminal having a communication function.

  In the present invention, the “terminal unique number (terminal serial number, terminal manufacturing number)” is used as one of the information management indices, but if there is other information that can uniquely identify the mobile terminal (in the future) , Including the occurrence of such information), such information can also be used.

  In addition, in the above description, it is clearly indicated that various information is managed by being linked to “terminal unique number”, but the meaning of “linked” can be interpreted flexibly and widely. In short, “If you know the terminal unique number, the information is managed so that the information is uniquely identified”. From the viewpoint of efficient information management, the terminal unique number is the management index. It is desirable to manage the database as (index).

  In the above embodiment, the procedure performed on the bank side may be performed on the mobile phone terminal side or vice versa if the situation permits.

  Further, in the above embodiment, the mobile terminal user always accesses the bank server. However, if the mobile phone company can function as a bank agent, whether or not to open a new account is all mobile. It can also be processed in the telephone company server. In this case, it seems that information transfer between the mobile phone company server and the bank server does not occur, but in reality, information is transferred between the original function of the mobile phone company and the new function as a bank agency. Is considered to be equivalent to the technical idea.

  In addition to the password, other numbers and information can be used as the personal identification information.

  In addition, it is clarified that not only the payment information of the monthly mobile terminal usage fee but also other information held by the mobile phone company may be used for determining whether to open an account. For example, biometric information held by a mobile phone company can be used.

  Also, the result of checking the payment status may be used for purposes other than opening an account. For example, if the charges for recent months have been paid properly, but there have been many payment delays before, the mobile subscriber's ability to pay may be considered a problem. In such a case, it is possible to pay attention to financial transactions by adopting adaptive measures such as permitting account opening, but restricting (prohibiting) lending with cash cards.

  It is also possible to comprehensively determine whether or not to open an account in consideration of not only payment information for mobile usage fees but also other information (including biometric information) related to mobile subscribers held by mobile phone companies. is there.

  Note that prepaid portable terminals are excluded from financial services by portable direct banking according to the present invention.

  As described above, according to the present invention, in particular, the procedure for opening a bank account is greatly simplified. In principle, a mobile terminal user can use a desired financial transaction service including opening an account simply by entering a single password and sending it to a bank site. (In particular, the burden associated with opening an account) is reduced, and the convenience of direct banking using a mobile terminal is greatly improved.

  In addition, the mobile terminal user only needs to access the bank server, and the exchange of information between the bank server and the mobile phone server is performed in the background and using the terminal unique number. While the procedure for financial transaction services is continuing, the display screen of the display attached to the mobile terminal will not change, causing the mobile user to feel uncomfortable, and a long waiting time is required before the use starts. There is nothing.

  In addition, the bank, in cooperation with the mobile phone company, fulfills the identity verification obligations under the Personal Identification Act in good faith and pays sufficient attention to the safety of financial transactions, while providing account opening services by mobile direct banking, etc. Will be able to provide. As a result, mobile terminal subscribers have more opportunities to open new accounts at banks, and this can be expected to increase the number of accounts. be able to.

  In addition, mobile phone companies can differentiate themselves from other companies in terms of service by appealing to customers that they can open an account by mobile direct banking using the password at the time of contracting the mobile terminal, As a result, an increase in the number of customers can be expected.

  Further, in the present invention, the mobile terminal is first authenticated by the mobile phone unique number, and thereafter, the mobile phone unique number is used as an information management index, so that the cooperation between the bank and the mobile phone company and the management and transfer of information can be efficiently performed. Can be done.

  According to the present invention, it is possible to build a new business model in which a bank and a mobile phone company cooperate, it becomes possible to open a bank account by direct banking using a mobile terminal, and the procedure at that time is greatly simplified, The burden on the mobile terminal user when using the bank is greatly reduced.

  INDUSTRIAL APPLICABILITY The present invention enables the opening of a bank account by direct banking using a mobile terminal, and has the effect of greatly simplifying the procedure at that time. Therefore, it is useful as a financial transaction service method and system using a mobile terminal. It is.

The figure which shows the outline | summary of the procedure for the opening of a bank account in the financial transaction service method using the portable terminal of this invention. The figure which shows the outline of the procedure (account use registration) for permitting the use of the financial service by the cellular direct banking after the account is opened by cellular direct banking. The figure which shows the specific operation | movement procedure of the main functional blocks required when opening a bank account by the financial transaction service method using the portable terminal of this invention, and each part The flowchart which shows the main procedure of the account opening which is shown in Figure 3 with portable direct banking The figure which shows the specific functional procedure of the main functional blocks required for the decision | availability determination (use registration) in case a portable terminal user receives a desired financial service about the account opened by portable direct banking, and each part The flowchart which shows the main procedure for account use registration by portable direct banking shown in FIG. The block diagram which shows the hardware constitutions of the financial transaction service system using a portable terminal of this invention FIG. 7 is a flowchart showing a specific information exchange procedure between a mobile phone company, a bank, and a mobile terminal user when an account is opened in a bank using the financial transaction service system of FIG. FIG. 8 is a flowchart showing a specific information exchange procedure between a mobile phone company, a bank, and a mobile terminal user when receiving a desired financial service for an established account using the financial transaction service system of FIG.

Explanation of symbols

1 Mobile phone company 2 Subscriber information 3 Bank 90 Mobile subscriber address 100 Mobile terminal user (mobile subscriber)
200 Mobile terminal (mobile phone terminal)

Claims (14)

A financial transaction service method capable of receiving a financial transaction service including opening an account by using a mobile terminal,
A bank and mobile phone company are collaborating while managing information using a terminal unique number, and verifying the bank's side by complementing the bank's confirmation procedure by using identity information held by the mobile phone company. Financial transaction service method used. The financial transaction service method according to claim 1,
To open a bank account using a mobile device,
A first step of transmitting a terminal unique number and a password obtained at the time of the mobile terminal contract from the mobile terminal to the mobile phone company server or directly to the mobile phone company server via the bank server;
A second step of searching for a password managed in association with a terminal unique number in the mobile phone company server, determining whether the received password matches or does not match, and thereby verifying the identity;
When the password match is confirmed, the bank server obtains the address acquired by the mobile phone company at the time of contracting the mobile terminal based on the payment status of the mobile terminal usage fee as necessary. A third step of confirming the presence of the mobile subscriber in
If the passwords match in the second step and the third step is executed, the condition is that the existence of the mobile subscriber in the address is confirmed in the third step. As a fourth step to open a bank account,
A financial transaction service method using a mobile terminal, comprising: The financial transaction service method according to claim 3,
The financial transaction service method according to claim 4, wherein the bank account opened in the fourth step is a temporary account whose use mode is limited compared to a regular account. A financial transaction service method using the mobile terminal according to claim 1,
When the mobile phone company contracts for the mobile terminal, the mobile phone company password for the mobile phone subscriber and the mobile phone subscriber information including the name and address information of the mobile phone subscriber are obtained. In addition, after the subscriber himself / herself starts using the mobile terminal, the mobile phone company manages mobile charge payment information indicating the payment status of the mobile terminal usage fee, and under such circumstances, When the user of the mobile terminal opens a new account in the bank using the mobile terminal,
A first step of transmitting the mobile phone company password together with the terminal specific number from the mobile terminal to the mobile phone company server via the bank server or directly to the mobile phone company server;
A second step in which the mobile phone company server determines identity / identity of the received password and a password managed in association with the terminal unique number, and performs identity verification;
A third step in which the mobile phone company server transmits the mobile subscriber information and the mobile fee payment information to the bank server after the password match is confirmed in the second step;
A fourth step of confirming the existence of the contractor himself / herself at the address of the contractor obtained at the time of contracting the mobile terminal by investigating the mobile charge payment information at a bank server;
In the fourth step, when the existence of the contractor himself / herself at the address can be confirmed, the bank server creates a depositor file by referring to the mobile contractor information and compares it with a regular account. And a fifth step of opening a temporary account with a limited use mode,
A financial transaction service method using a portable terminal. A financial transaction service method using the mobile terminal according to claim 3 or 4,
After opening the temporary account, the bank sends the account use start information including the bank password and the access information necessary for the account use start registration to the address of the mobile contractor by the personal limited receipt mail. Steps,
The user of the portable terminal receives the personal limited mail, accesses the bank site indicated by the access information, and transmits the account use start information including the terminal unique number and the bank password to the bank server. A seventh step;
The bank server receives at least one of the bank password and other information included in the received use start information, and at least one of the bank password and other information managed in association with the mobile terminal unique number. And when the match is confirmed, the temporary account is transferred to a regular account.
The financial transaction service method using a portable terminal, further comprising: A financial transaction service method using the mobile terminal according to any one of claims 3 to 5,
The method of financial transaction service using a mobile terminal, wherein the temporary account can only be transferred and withdrawn.   7. The financial transaction service method using a mobile terminal according to claim 3, wherein said mobile charge payment information confirms that a payment result of a monthly mobile use charge meets a predetermined condition. In the financial transaction service method using a portable terminal, it is considered that the confirmation that the portable subscriber himself / herself exists at the address is taken. A financial transaction method using a mobile terminal according to any one of claims 2 to 6,
As a result of judgment based on the payment information of the mobile usage fee, if doubt arises in the payment capability of the mobile terminal user, the normal account opening is permitted, but lending to the account contractor is limited. A financial transaction service method using a mobile terminal. A financial transaction method using a mobile terminal according to any one of claims 2 to 6,
Finance using mobile terminals, characterized by comprehensively determining whether or not to open an account, considering not only payment information for mobile usage fees but also other information related to mobile subscribers held by mobile phone companies Transaction service method. A financial transaction service method using a mobile terminal according to claim 1,
In order to access a bank server from the mobile terminal and receive a desired financial transaction service for the legitimate account opened through the procedure according to claim 5, in addition to verifying the identity by the bank password, the bank A financial transaction service method using a mobile terminal, characterized in that the depositor information held by the mobile phone company and the mobile subscriber information held by the mobile phone company must be matched. A financial transaction service method using a mobile terminal according to claim 1,
The procedure for accessing a bank server from the mobile terminal and receiving a desired financial transaction service for the legitimate account opened through the procedure according to claim 5 is:
A first step of transmitting at least one of the bank password and other information included in the account use start information together with the terminal specific number from the portable terminal to the bank server;
The bank server searches for the depositor file created in the fourth step of claim 4 that is managed in association with the terminal unique number, and receives at least the received bank password and other information. A second step of determining a match / mismatch between one and at least one of the bank password and other information registered in the depositor file;
A third step of transmitting depositor information registered in the depositor file together with a terminal specific number from the bank server to the mobile phone company server when a match is determined in the second step; ,
In the mobile phone company server, the received depositor information is compared with the terminal contractor information managed in association with the terminal unique number to determine a match / mismatch, and the match / mismatch is determined. A fourth step of notifying the bank server;
The bank server permits a desired financial transaction to the mobile terminal of the terminal specific number when the match notification is received from the mobile phone company server; and
A financial transaction service method using a mobile terminal, comprising: A financial transaction using a mobile terminal that realizes the financial transaction service method according to any one of claims 1 to 11 by a bank and a mobile phone company cooperating while managing information using a terminal unique number. A service system,
Account information database in which depositor information is registered, account management means for managing the account information database, authentication means having a function of determining whether the information matches or not, and account system means for managing account deposit / withdrawal A bank server provided on the communication network, the communication interface means for transmitting and receiving information via the communication network,
Mobile subscriber database in which mobile subscriber information is registered, mobile subscriber management means for managing the mobile subscriber database, authentication means having a function for determining whether information matches or not, and payment status of mobile charges A bank server provided on the communication network, comprising: management means; and communication interface means for transmitting and receiving information via the communication network;
A financial transaction service system using a mobile terminal. A financial transaction service using a mobile terminal that realizes the financial transaction service method according to any one of claims 1 to 6, wherein a bank and a mobile phone company cooperate while managing information using a terminal unique number. A system,
A bank server comprising: an account opening permission determination unit that permits opening of a new account on the condition that the person is confirmed by collating the mobile phone password and the person's address is confirmed based on payment information of the mobile usage fee;
A mobile phone company server comprising: a verification check unit that performs verification processing of the mobile phone password; and a database search unit that searches the payment status database and retrieves payment information of mobile usage charges;
A financial transaction service system using a mobile terminal. A financial transaction service system using a mobile terminal that realizes the financial transaction service method according to claim 10 or 11 by a bank and a mobile phone company cooperating while managing information using a terminal unique number. There,
A bank server provided with an account use authentication unit that permits account use on condition that the identity verification based on the verification of the bank password and the match between the depositor information held by the bank and the mobile subscriber information held by the mobile phone company When,
A mobile phone company server provided with a collation confirmation unit for collating the depositor information held by the bank with the mobile subscriber information held by the mobile phone company to determine the match / mismatch;
A financial transaction service system using a mobile terminal.

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