JP5433430B2 - User registration system in internet banking - Google Patents

Description

  The present invention relates to a technique for registering a user in so-called Internet banking in which transactions are performed using the Internet.

  Currently, with the spread of the Internet, an Internet banking service for conducting transactions at financial institutions such as banks via the Internet is being provided. In order to do this Internet banking, it is necessary to register and contract for that purpose. For this registration, a procedure using a written form such as an application form is common. When using a document in this way, various efforts are required on the user and financial institution side.

  Patent Document 1 is a conventional technique for omitting the written procedure. Patent Document 1 adopts the following configuration for the purpose of enabling a new contract for Internet banking to be used immediately on the Internet. Connect to an Internet banking server published on the Internet, download the contract software program, disconnect the connection with the Internet banking server, execute the contract software program, and Connect to an undisclosed contract server and send Internet banking use application information. Based on this use application information, determine whether or not to apply for internet banking. If a contract is possible, specify an internet banking use ID. Generating an Internet banking contract associated therewith, notifying the usage ID for notifying the Internet usage ID, and disconnecting the connection with the contract server.

JP 2001-350918 A

  However, in Patent Document 1, it is necessary to download a dedicated program with “contract software”, and the procedure remains complicated.

  Here, in general, customer information of Internet banking is often separated from the account system, and the user who wants to use is registered in the account system and often receives a general service. Therefore, the present invention is based on such a premise and aims to reduce the complexity of Internet banking customer registration work by using a billing system (including terminals such as ATMs).

  Therefore, in the present invention, using a terminal device such as an ATM, a branch office terminal, or a kiosk terminal, a cash card and a cash card PIN code or biometric authentication, that is, authentication information for a general service (in a billing system) Is used as a means for verifying the identity of the user, acquires the (mobile) terminal unique ID used by the user, and registers the user information and the (mobile) terminal unique ID in association with each other. . Note that (mobile) terminals include mobile phones, mobile terminals, and so-called PCs.

  According to the present invention, by shortening the period until the start of mobile banking use and omitting the work of entering the contractor ID at the first use, the work up to the use of mobile banking is reduced, and it is complicated until the start of use. Can promote the use of mobile banking, which is often overlooked because it requires a lot of procedures and work.

1 is a system configuration diagram of Embodiment 1. FIG. FIG. 3 is a system configuration diagram of Examples 2 and 3. 6 is a flowchart showing a registration flow in one embodiment of the present invention. The flowchart which shows the flow of the process which acquires unique ID (the 1). The flowchart (the 2) which shows the flow of a process which acquires unique ID. The flowchart (the 3) which shows the flow of a process which acquires unique ID. The flowchart which shows the flow which judges the propriety of registration of a user.

  Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows a system configuration diagram of Embodiment 1 of the present invention. Each component (apparatus) can be realized by a so-called information processing apparatus, and realizes processing described below according to a program.
3, FIG. 4, FIG. 5, FIG. 6, and FIG. 7 are diagrams showing the flow of processing from transaction start to registration completion.

  First, in step 50, a transaction is started at the ATM which is the first computer 3. In step 51, the ATM, which is the first computer 3, acquires the cash card information from the cash card 1, and in step 52, the ATM, which is the first computer 3, inputs the cash card PIN or biometric authentication information. The information of both or both of them is acquired, and the cash card PIN number data and / or biometric information is acquired (1).

  Next, in step 53, the ATM that is the first computer 3 passes through the ATM host that is the second computer 4 (2) and the multi-channel cooperation system that is the third computer 5 (3). The user information and the cash card PIN number information registered in the user information DB of the account host which is the fourth computer 6 or the biometric information unique to the user, or information on both, is stored in the user information management DB. In step (4), if the user information and the cash card PIN number information or the user-specific biometric information or both of the information are matched in step 54, the user authentication is successfully performed (authorized user). The personal authentication is completed, and in step 56, the third computer 5 is the multi-channel cooperation system (5), the second computer Via the ATM host is over 4 (6), and notifies the completion of authentication to the ATM is the first computer 3 (7).

  Next, in step 57, the ATM which is the first computer 3, the mobile bank banking registration application (mobile unique ID registration), Internet banking use registration application, or already registered mobile phone information. Whether the mobile unique ID update procedure is to be performed is displayed on the screen, and the user is allowed to select.

  Next, in step 58, the mobile unique ID information is obtained from the mobile phone 2 by wireless communication using a predetermined communication method at the ATM which is the first computer 3, 71 (8), and the second computer 4 is acquired. The third computer 5 is combined with the user information held by the fourth computer 6 through the ATM host (9) and the multi-channel linkage system (10) as the third computer 5 (10). To the fifth computer 7 72 (11). Thus, the fifth computer 7 acquires 73 the mobile unique ID information and the user information.

  Next, in step 100, Internet banking user registration determination, mobile banking use registration, and mobile unique ID registration determination are performed.

  Here, when registering the user information and the mobile unique ID in the IB system which is the fifth computer, it is determined whether or not the user is an unauthorized user in step 101. Use registration will be cancelled.

Next, if the determination in step 101 is YES, it is determined in step 103 whether the Internet banking user registration has already been made in the user information DB of the fifth computer 7. At the same time as Internet banking registration, a determination result for performing mobile banking use registration and mobile unique ID registration is issued.
Next, if the determination in step 103 is YES, Internet banking user registration has already been completed in the user information DB of the fifth computer 7 in step 105, and mobile banking use registration and mobile unique ID have been completed. If the mobile banking use registration and the mobile unique ID are not registered, in step 106, a determination result for performing the mobile banking use registration and the mobile unique ID registration is issued.
Next, if the determination in step 105 is YES, Internet banking user registration and mobile banking use registration have already been completed and registered in the user information DB of the fifth computer 7 in step 107. If the mobile banking use registration and the mobile unique ID are the same, and if the mobile banking use registration and the mobile unique ID registration data are different, in step 108, the registration content of the mobile unique ID is updated, Alternatively, a determination result of additional registration of the mobile unique ID is issued.

Next, if the determination in step 107 is YES, in step 109 the Internet banking user registration has already been completed in the user information DB of the fifth computer 7 and the registered mobile banking use registration Since the content and the mobile phone unique ID are the same, the result of registration is output.
Next, at step 60, according to the determination result, the registration operation is canceled, Internet banking user registration and mobile banking use registration and mobile unique ID are registered, or mobile banking use registration and mobile unique ID are registered. The user information is associated with the mobile unique ID, either in the form of performing, updating the registered mobile unique ID information, additionally registering the mobile unique ID, or ending as registered Information necessary for Internet banking user registration, mobile banking use registration, and mobile phone unique ID is registered in the Internet banking user information DB (12).

  Next, in step 61, the registration result is sent to the first computer 3 via the multi-channel cooperation system as the third computer 5 (13) and the ATM host as the second computer 4 (14). The registration determination result is notified to the ATM and displayed on the screen (15).

  Through these procedures, registration of mobile banking is completed, the period until the start of use of mobile banking (16) is shortened, and it is possible to omit the work of entering the contractor ID at the first use. It can reduce the work to use and promote the use of mobile banking, which is often overlooked as requiring complicated procedures and work before the start of use.

  Note that the user information and the cash card PIN information registered in the user information DB of the account host which is the fourth computer 6 or the biometric information unique to the user, or both of the information are managed in the user information. It may be the account host which is the fourth computer 6 that matches the data in the DB with the user information and the cash card PIN information, or the biometric information unique to the user, or both. The computer 5 may be a multi-channel cooperation system, the second computer 4 may be an ATM host, or the first computer 3 may be an ATM. Further, the order of steps 101, 103, 105, and 107 may be replaced with the order of determination of steps.

  The communication means for obtaining the mobile unique ID is a communication method used for a non-contact IC card, NFC (Near Field Communication), near field communication, infrared, wireless LAN, WiMAX, or those. Ordered wireless communication is acceptable. That is, as one aspect of the present invention, an IC card that holds a unique ID is used for a user's terminal device, and a unique ID is acquired through communication.

  In addition, the first computer may be a branch office terminal, a kiosk terminal, or an information linkage terminal, and the first computer 3 and the second computer 4 may be the same computer, and the second computer 4 and the third computer The computer 5 may be the same computer, the third computer 5 and the fourth computer 6 may be the same computer, and the third computer 5 and the fifth computer 7 may be the same computer.

  FIG. 2 shows a system configuration diagram of Embodiment 2 of the present invention. Each component (apparatus) constituting this is in accordance with the configuration of the first embodiment.

  In this embodiment, as the mobile unique ID acquisition means and the user information acquisition means, the account host which is the fourth computer 16 uses the multi-channel which is the third computer 15 to transmit the user information held in the user information DB. 81 is transmitted from the cooperation system to the IB system which is the fifth computer 17.

  Information relating to the URL of the Web site created in one time in the IB system as the fifth computer 17 is created as transmission information in the ATM as the first computer 13 82. The ATM which is the first computer 13 has a communication means for starting the mobile phone browser software of the mobile phone 12 (23), and the mobile phone 12 is transferred to the IB system which is the fifth computer 17 by the started software one time. 83 (24), the IB system as the fifth computer 17 acquires the unique ID of the mobile phone 12 from the access record 84, and the IB system as the fifth computer 17 stores these information. Are registered in the Internet banking user information DB (59). The information required for the Internet banking user registration, mobile banking use registration, and mobile unique ID is registered (59).

  Also, when the mobile phone 12 accesses the IB system website which is the fifth computer 17 (24), the password is displayed on the screen of the ATM which is the first computer 13, and the fifth computer 17 It is also assumed that the security is ensured by inputting the password when a certain IB system is accessed to a website created in one time.

  Further, the IB system that is the fifth computer 17 creates a web site created in one time, and the ATM that is the first computer 13 activates the cellular phone browser software of the cellular phone 12, and the activated software The URL information of the Web site created in one time that allows the mobile phone 12 to access the IB system which is the fifth computer 17 is the URL information of the IB system and the IB system which is the fifth computer 17 by the ATM which is the first computer 13. Is also assumed to be automatically generated synchronously without communication.

  Further, it is assumed that the password displayed by the ATM which is the first computer 13 is automatically generated synchronously without communicating with the IB system which is the fifth computer 17. As described above, this can be realized by a technique for generating a so-called one-time password.

  Note that the user information and the cash card PIN number information registered in the user information DB of the account host which is the fifth computer 17 or the biometric information unique to the user, or both information are managed as user information. It may be the account host which is the fourth computer 16 that matches the data of the DB with the information of the user information and the cash card PIN information or the biometric information unique to the user, or both. The computer 15 may be a multi-channel cooperation system, the second computer 14 may be an ATM host, or the first computer 3 may be an ATM.

  The communication means for obtaining the mobile unique ID may be a non-contact IC card communication method, NFC, near field communication, infrared, wireless LAN, WiMAX, or wireless communication according to them. .

  Further, the first computer 13 may be a branch office terminal, a kiosk terminal, or an information linkage terminal, and the first computer 13 and the second computer 14 may be the same computer, and the second computer 14 and the third computer 13 The third computer 15 and the fourth computer 16 may be the same computer, and the third computer 15 and the fifth computer 17 may be the same computer.

The system configuration diagram of this embodiment is shown in FIG.
In this embodiment, as the mobile unique ID acquisition means and the user information acquisition means, the account host which is the fourth computer 16 uses the multi-channel which is the third computer 15 to transmit the user information held in the user information DB. The transmission is performed 91 from the cooperation system to the IB system which is the fifth computer 17.

  Information relating to the URL of the Web site created in one time in the IB system as the fifth computer 17 is created as display information in the ATM as the first computer 13 92. The first computer 13 has a means for displaying a QR code indicating the URL information of the website or a URL on the ATM screen 93, and is carried to the website of the IB system as the fifth computer 17. The IB system as the fifth computer 17 obtains the mobile phone unique ID from the access record 94, and the account host as the fourth computer 16 has the user information DB in the user information DB (24). IB which is a fifth computer having means for transmitting user information from the ATM host which is the second computer 14 or the accounting host which is the fourth computer 16 to the IB system which is the fifth computer 17 The system links the information and stores it in the Internet banking user information DB. To register the necessary information as the user registration and mobile banking use registration and mobile-specific ID of the trunking (59).

  When the mobile phone 12 accesses the IB system website which is the fifth computer 17, the password is displayed on the screen of the ATM which is the first computer 13, and the IB system which is the fifth computer 17. Security is ensured by entering the previous period password when accessing the website created in one time.

  Further, the IB system that is the fifth computer 17 creates a web site created in one time, and displays the QR code indicating the URL information of the web site on the ATM screen that is the first computer 13, or As a means for displaying the URL, it is also assumed that the ATM, which is the first computer 13, automatically generates the QR code information or the URL information synchronously with the IB system, which is the fifth computer 17, without communicating. .

  Further, it is assumed that the password displayed by the ATM which is the first computer 13 is automatically generated synchronously without communicating with the IB system which is the fifth computer 17.

  Further, the first computer 13 may be a branch office terminal, a kiosk terminal, or an information linkage terminal, and the first computer 13 and the second computer 14 may be the same computer, and the second computer 14 and the third computer 13 The third computer 15 and the fourth computer 16 may be the same computer, and the third computer 15 and the fifth computer 17 may be the same computer.

DESCRIPTION OF SYMBOLS 1 ... Cash card, 2 ... Mobile phone, 3 ... 1st computer (ATM host etc.), 4 ... 2nd computer (ATM host etc.), 5 ... 3rd computer (multichannel cooperation system), 6 ... 1st 4 computers (accounting system), 7 ... 5th computer (IB system)

Claims (5)

In the Internet banking user registration system for registering Internet banking users,
Means for storing user information including information for authenticating the user;
Means for receiving information for authenticating the user in response to the user's operation;
Means for performing the authentication using the received information and the user information;
As a result of the authentication, if it is determined that the user is a legitimate user, a means for acquiring a unique ID for identifying the terminal device used by the user for the Internet banking;
Means for associating and registering the unique ID and a user ID for identifying the user;
As a result of the authentication, if it is determined that the user is a valid user, the unique ID is acquired, and whether a unique ID is already registered in association with the user ID based on data stored in advance. First determination processing is executed, and if any specific ID is registered as a result of the determination, it is determined whether the acquired unique ID is already registered in association with the user ID. Means for executing the second determination process;
The means for registering is:
As a result of the first determination, if any unique ID is not registered, the registration is executed,
If the result of the second determination process is not already registered, the acquired unique ID is overwritten or registered with respect to the registered unique ID. system. In the user registration system for Internet banking according to claim 1,
The means for executing the authentication includes biometric authentication using the user's biometric information and the user information, and a password used for the user to receive a service and an encryption input from the user A user registration system in Internet banking, wherein the authentication is executed using at least one of collation of numbers. In the user registration system for Internet banking according to claim 1 or 2,
The means for executing the first determination process and the second determination process may determine whether the acquired unique ID has been illegally acquired based on data stored in advance as the first determination process. The user registration in the Internet banking is characterized in that the means for determining and registering performs the registration when the result of the first determination processing is not obtained illegally and any unique ID is not registered. system. In the user registration system for Internet banking according to any one of claims 1 to 3,
The terminal device has an IC card that holds the unique ID,
The user registration system for Internet banking, wherein the acquiring means acquires the unique ID from the IC card by wireless communication. In the user registration system for Internet banking according to claim 4,
A user registration system in Internet banking, wherein the terminal device is a mobile phone, and mobile banking can be realized as the Internet banking

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