JP7330927B2 - Personal information management system and its method - Google Patents

Description

The present invention relates to a personal information management system and method, and for example, to change management of personal information such as address in a service providing system such as financial transactions.

Financial institutions such as banks register and manage personal information such as customer names and addresses in a database (DB) in order to send documents such as service guides to customers. When a customer changes his/her address, it is desirable to quickly change the customer's address information managed in the DB. In addition, financial institutions can create accounts, accounts, and other cards that are subordinate to a certain member, called family cards and proxy cards, as account and user information, if predetermined conditions such as the same livelihood are satisfied. .

As a technique for managing and using the customer's own account and the accounts of his/her family, Patent Document 1 discloses that when a transaction operation is performed to inquire about the balance of a deposit account owned by the customer, the account owned by the customer's family is used. An automated trading system is disclosed that also performs balance inquiries collectively.

JP 2012-3559 A

Patent Document 1 discloses a technique for inquiring the balance of users who are registered as family members related to the customer himself/herself. And related processing accompanying address change is not disclosed.

SUMMARY OF THE INVENTION It is an object of the present invention to smoothly perform processing accompanying changes in personal information such as addresses of users in a group to which a plurality of users having a predetermined relationship belong.

The personal information management system of the present invention is preferably a personal information management system that uses a server to manage personal information of users who can receive services by operating terminals,
The server includes a DB (database) for registering and managing personal information of a plurality of users in a management table for each group having a predetermined relationship;
recording means for recording necessity of changing personal information of other users belonging to the group in the management table according to an instruction from the terminal of a user belonging to the group;
Display control for displaying, on the terminal operated by the other user, a display screen prompting the user to change the personal information of the other user when the management table records that the other user's personal information needs to be changed. means and
changing means for changing the personal information of the other user in the management table according to the instruction of the other user on the display screen displayed on the terminal.

The present invention is also configured as a personal information management method executed in the personal information management system.

ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to perform smoothly the process accompanying the change of personal information, such as a user's address, in the group to which several users who have a predetermined relationship belong.

1 illustrates an example of a financial trading system, according to one embodiment; FIG. It is a figure which shows the structural example of an automatic transaction apparatus, a business server, and a DB server. It is a figure which shows the example of a main customer management table. FIG. 10 is a diagram showing an example of a subordinate customer management table; FIG. It is a figure which shows the example of the processing flow of an address change. It is a figure which shows the example of the processing flow of an address change. It is a figure which shows the example of an address change promotion screen. It is a figure which shows the example of a family/proxy selection screen. It is a figure which shows the example of an address change promotion screen.

In financial institutions, for example, for users who have the same livelihood, family cards such as spouses and children and proxy cards are issued separately from the principal card (hereinafter referred to as the main card), so that family members can use the main card. Transactions such as deposits and withdrawals can be made using the same account.

In many cases, the user himself/herself and a user such as a family member who is registered in the account of this card with a subordination relationship live together. In this embodiment, in a group to which a plurality of users having a predetermined relationship, such as family members, belongs (herein referred to as a related group), when a certain user performs an address change procedure, other users in the same group It is realized to confirm whether or not the address change is necessary and to prompt the user to change the address.

An embodiment will be described below with reference to the drawings.

FIG. 1 shows an example of a financial trading system.
This financial system comprises an automated teller machine (hereinafter referred to as ATM) 101, an accounting server 102, a business server 104, a DB server 105, and a BPO (business process outsourcing) center having an operator terminal 107 for providing user services. 108 are connected via communication networks 103 and 109 .

The ATM 101 is a device for users to perform various financial transactions such as withdrawal and deposit. Account server 102 is a computer that manages user accounts. The business server 104 is a computer that manages personal information such as names and addresses of users (multiple users in related groups). The DB server 105 is a computer having a DB that stores user's personal information. A computer managed by the cloud 106 may be used as the business server 104 and the DB server 105 . The operator terminal 107 is a terminal device operated by an employee who works at a financial institution. A BPO center 108 comprising an operator terminal 107 is a facility for window services. Cloud 106 is connected to ATM 101 and BPO center 108 via communication network 109 .

FIG. 2 shows a configuration example of an automatic transaction device, a business server, and a DB server.
The ATM 101 includes a display input processing unit 202, a card processing/statement slip issuing processing unit 203, a bill processing unit 204, a coin processing unit 205, a line connection unit 206, a customer information reading unit 207, a character recognition unit 208, a memory 209, and a passbook processing unit. It has a unit 210 and a control unit 211, and performs financial transactions such as deposits and withdrawals for users who have accounts. A magnetic stripe or IC chip of a cash card used for financial transactions stores information related to transactions such as a user's account number.

Here, the display/input processing unit 202 receives instructions from the control unit 211, displays operation guides, announcement information, and the like on the display/input screen, and receives and detects inputs operated by the user. The card processing/statement slip issuing processing unit 203 has functions for inserting and issuing a cash card, reading and writing information on the magnetic stripe or IC chip of the cash card, reading the image of the embossed portion of the card, and reading the content of the transaction. It has the function of printing a statement and issuing it from within the device. The banknote deposit/withdrawal unit 204 and the coin deposit/withdrawal unit 205 have cash deposit/withdrawal functions, and cash identification/conveyance/storage functions. Line connection unit 206 is connected to line connection unit 214 of cloud 212 . The customer information reading unit 207 has a function of reading documents containing transaction information and customer information. A camera may also be used to record customer operations. The character recognition unit 208 has a function of recognizing characters from the image read by the customer information reading unit 207 . The memory 209 has a function of temporarily storing transaction information and customer information. The passbook processing unit 210 has a function of inserting, issuing, and printing a passbook, and reading magnetic stripe information pasted on the passbook. The control unit 211 is a computer that controls the above functional units and controls data exchange with the accounting server 102 and the business server 104 .

The cloud 106 has a business server control unit 213, connects to the line connection unit 206 of the ATM 101, transmits or receives customer information, and edits and stores customer information. The business server control unit 1041 has a data communication function with the ATM 101 and a function of issuing commands to the DB server 105 to edit, delete, and store customer information. The line connection section 1042 is connected to the line connection section 206 of the ATM 101 . The DB server 105 manages user customer information (personal information) (see FIGS. 3 and 4).

3 and 4 show customer management tables for managing personal information of customers. 3 shows a master customer management table (hereinafter simply referred to as a master management table) 300, and FIG. 4 shows a subordinate customer management table (hereinafter simply referred to as a subordinate management table) 400. FIG.
The main management table 300 registers the personal information of representatives (main customers) who are customers who have accounts for financial transactions. Register personal information.

In FIG. 3 (FIG. 4), the branch number 301 (401) is the branch number of the financial institution (branch identification information), the account number 302 (402) is the customer's account number, the name 303 (403) is the customer's name, and the address 304 is (404) is the customer's current address. The address change necessity flag 305 (405) urges the customer who has not changed the address or the subordinate customer to change the address when the customer or the subordinate customer has changed the address. That is, when the flag is "required", processing is performed to prompt the customer, sub-customer, or agent to change the address.

In the illustrated example, the account numbers "1234567" and "○○Taro" in the main management table 300 have family members or representatives, and in the subordinate management table 400, "○○Hanako" and "○○Hanako" with the same account number and the same address. ○ Jiro” and “△△ Saburo” with different account numbers and different addresses are registered. Regarding the status of the two management tables shown in the figure, "Taro ○○" has changed his address, but "Hanako ○○" and "Jiro ○○" have not yet changed their addresses. ” indicates that the address change is urged, and “△△ Saburo” indicates that the address change is not urged.

In addition, in the financial institution, when the mail addressed to the customer's address registered in the main management table 300 and the sub-management table 400 does not arrive (is returned), it is determined that the customer has changed the address. , the address change necessity flag 305 (or 405) of the main management table 300 or the subordinate management table 400 is registered as "necessary". This processing is performed by the business server 104 to the DB server 105 according to an instruction from the operator terminal 107 .

FIG. 5 shows an example of an address change processing flow.
When the user selects the address change transaction from the transaction selection screen displayed on the display/input screen of the ATM 101, the display/input processing unit 202 detects the selection, and subsequently displays guidance for inserting a cash card.

The user inserts the cash card into the card processing/statement slip issuing processing unit 203 (S501). The user inputs the password corresponding to the inserted cash card according to the guidance displayed by the display input processing unit 202 (S502). When the control unit 211 determines that the entered personal identification number is valid, it transmits/receives an electronic message to/from the business server 104 via the line connection unit 206 (S503). The message to be sent includes information such as the account number recorded in the cash card and the transaction (change of address) selected by the user. The business server 104 determines that the selected transaction (change of address) is possible, and notifies the ATM 101 to that effect. The control unit 211 displays operation guidance for personal identification via the display input processing unit 202 .

When the user sets a driver's license in the customer information reading unit 207 as a medium for identity verification, the customer information reading unit 207 reads the image of the driver's license, the character recognition unit 208 recognizes the image, and the user's license is recognized. Personal information such as name and address is extracted (S504). The user's personal information is transmitted to the business server 104 . At the operator terminal 107 of the BPO center 108, the operator verifies the identity of the user based on the acquired personal information of the user. When valid personal identification is performed, the ATM 101 is notified to that effect, and the control unit 211 displays guidance for the input operation of the new address to be changed via the display input processing unit 202 .

Following the guidance display, the user inputs the new address in katakana from the display input screen (S505). The input new address is displayed on the display input screen by the display input processing unit 202, and the user confirms the displayed new address (S506). The entered new address is transmitted to the business server 104 .

When the business server 104 confirms that the new address of the user (main customer) has been changed, the customer or subordinate customer with the same account number whose address has not been changed exists in the main management table 300 or subordinate management table 400 of the DB server 105. It is confirmed whether to do so (S507). As a result of the confirmation, if there is a subordinate customer (family member or agent), the user is asked whether to change the address of the customer or the subordinate customer (S508). At this time, an address change promotion screen (FIG. 7) for the sub-customer (family/agent) is displayed on the display/input screen. The user (main customer) can select "Yes" if the address is to be changed or "No" if the address is not to be changed on the display screen. This allows the user who really needs it (the main customer in this example) to change the address of their family member or agent.

When the user selects to change the address, the business server 104 refers to the subordinate management table 400, extracts the personal information of the subordinate customer (family member or agent) related to the main customer, and sends it to the ATM 101. Send. The control unit 211 of the ATM 101 displays a screen (FIG. 8) containing the name of the subordinate customer received. In the example of FIG. 8, the names of three sub-customers registered in the sub-management table 400 are displayed. The main customer can select the name whose address should be changed at the same time from the names displayed on the display screen (S509). A message containing the selected name is sent from the ATM 101 to the business server 104 (S510).

On the other hand, if there is no subordinate customer in the process of S507, and if "No" (do not change address) is selected in the process of S508, a message to that effect is sent from the ATM 101 to the business server 104 (S510).

The DB server 105 changes the address 304 and/or 404 of the main customer and/or sub-customer whose address change has been selected in the main management table 300 and sub-management table 400 . Then, the address change necessity flag 305 or 405 is set for the main customer and/or the sub-customer whose address change is not selected in the main management table 300 and the sub-management table 400 (S511). In the example of FIG. 4, because the main customer's selection operation did not change the addresses of "○○Hanako" and "○○Jiro" in the subordinate management table 400, the address change necessity flag is set to "required". Become. Then, for these two persons, the process of prompting them to change their addresses at the time of future transactions will be performed.

When the address change process is completed, the business server 104 transmits a telegram to the ATM 101 to the effect that the address change has been completed. In the ATM 101, the cash card and statement slip are released from the card processing/statement slip issue processing unit 203, and a series of transaction processing for address change is completed. The statement includes, for example, the account number of the main customer who made the transaction of address change, and the name and post-change address of the sub-customer whose address has been changed.

FIG. 6 shows an example (second example) of an address change process flow.
This address change process is a process for prompting a customer whose address has not been changed in the previous address change transaction (the address change necessity flag is "required") to change the address during the customer's financial transaction. .

The user selects, for example, a withdrawal transaction from the transaction selection screen guided by the display input processing unit 202 of the ATM 101, and inserts the cash card into the card processing/statement slip issuing processing unit 203 (S601). Next, the user inputs the password corresponding to the inserted cash card according to the guidance displayed by the display input processing unit 202 (S602). Subsequently, the user inputs the withdrawal amount on the display/input screen according to the guidance displayed by the display/input processing unit 202, and inputs confirmation of the amount (S603). The control unit 211 transmits a message containing the account number and the amount of money to be withdrawn to the account server 102 (S604). At the same time, it transmits a message containing the account number to the business server 104 .

The accounting server 102 updates the balance of the account number and transmits a withdrawal permission message to the ATM 101 (S614). The business server 104 refers to the main management table 300 and the subordinate management table 400 to check whether there is an address change "required" flag corresponding to the received account number. As a result of confirmation, if there is an address change "required" flag, a message is sent to the ATM 101 to instruct display of an address change confirmation screen (S624). On the other hand, as a result of confirmation, if there is no address change "required" flag, nothing is answered.

When the ATM 101 receives the instruction to display the address change confirmation screen from the business server 104, the display input processing unit 202 causes the control unit 211 to display the address change confirmation screen and prompts the customer to process the address change (S605). . An example of this address change confirmation screen is shown in FIG.

The above address change confirmation screen is displayed during the waiting time for withdrawal processing. During this period, the control unit 211 controls the card processing/statement slip issuing processing unit 203 and also controls the banknote processing unit 204 or the coin processing unit 205 in accordance with the response telegram from the accounting server 102 to release the cash card, A statement is issued, and banknotes or coins corresponding to the withdrawal amount are released (S606).

When the customer selects "Yes" on the displayed address change confirmation screen (FIG. 9) after waiting for the withdrawal transaction to be completed, the control unit 211 transmits a message to that effect to the business server 104 . In accordance with the message, the DB server 105 changes the address of the customer with the account number (the subordinate customer in the subordinate management table 400 of FIG. 4) to the same address as the main customer, and changes the address change necessity flag to "no". do. By this processing, the address change of the customer of the account number is completed, and the business server 104 transmits an address change completion message to the ATM 101, and the processing ends. In the ATM 101, the control unit 211 displays through the display input processing unit 202 that the address change has been completed, and the address change processing ends.

On the other hand, when the customer selects "No" on the address change confirmation screen (FIG. 9) being displayed, the control unit 211 transmits a message to that effect to the business server 104. FIG. In accordance with the message, the DB server 105 does not change the address of the customer with the account number (the subordinate customer in the subordinate management table 400 of FIG. 4) and changes the address change necessity flag to "no". No address change is required for the dependent customer.

Also, when the customer selects "change to new address" on the address change confirmation screen (FIG. 9) being displayed, the control unit 211 causes the same processing as S504 to S506 in FIG. 5 to be performed. That is, the DB server 105 changes the address of the customer with the account number (the subordinate customer in the subordinate management table 400 of FIG. 4) to the new address and changes the address change necessity flag to "no". exit.

The present invention is not limited to the first embodiment, and can be implemented in various modifications and applications.

<Modification 1>
For example, in the first embodiment, it is a process of prompting other customers in the same group having a master-slave relationship to change the address made by a master or sub-customer. According to another example, it is applicable not only to change of address but also to change of personal information such as telephone number or e-mail address (contact information) of a main customer or sub-customer. In this case, the address 304 (404) and address change necessity flag 305 (405) in the management table of FIGS.

<Modification 2>
In the first embodiment, the business server 104 and the DB server 105 manage personal information. may be configured to have

<Modification 3>
The present invention is not limited to financial transactions as in the first embodiment, and can be applied to service transactions in other industries.
For example, when a family (related group) consisting of parents and children is a member of a membership gym, a member of a point card at a grocery store or a department store, or the like, one user performs The above embodiment can be similarly applied to the process of prompting other users to change their address.

In this case, the accounting server 102 of the first embodiment is unnecessary. In addition, instead of the business server 104, the member management server manages the personal information of members (users) and updates and balances of member points. It is possible to register and change information, consume points, and refer to the point balance. Corresponding to the customer management table in FIG. 3 (or FIG. 4) of the first embodiment, a management table for managing accounts and personal information of membership gyms and point card members is used. A member-specific card is not necessarily required as long as the member's account and password are available.

Further, as described above, the present invention can be grasped not only as a service providing system or a service providing apparatus for providing finance or point services, but also as a personal information changing system or method.

101: Automated transaction machine (ATM) 102: Account server 103: Communication network 104: Business server 105: DB server 106: Cloud 107: Operator terminal 108: BPO center 109: Communication network 202: Display input processing unit 203: Card processing/ Statement issue processing unit 204: Banknote processing unit 205: Coin processing unit 206: Line connection unit 207: Customer information reading unit 208: Character recognition unit 209: Memory 210: Passbook processing unit 211: Control unit 1041: Business server control unit 1042 : Line connection unit 300: Main customer management table (main management table)
400: Subordinate customer management table (subordinate management table)

Claims (6)

A personal information management system that uses a server to manage personal information of users who can receive services by operating terminals,
The server includes a DB (database) for registering and managing personal information of a plurality of users in a management table for each group having a predetermined relationship;
The terminal is provided with a display screen for selecting whether or not to change the personal information of the user's family member or representative who belongs to the group, and a display screen for selecting the user's family member or representative whose personal information is to be changed. a first display control means for displaying;
Based on the display screen displayed on the terminal by the first display control means , the user's family or representative selected by the user and whether or not it is necessary to change the personal information of the family member or representative a recording means for recording in the management table;
When the management table records the need to change the personal information of the family member or the proxy of the user , the personal information of the family member or the proxy is sent to the terminal operated by the family member or the proxy of the user. a second display control means for displaying a display screen prompting a change;
Based on the display screen displayed on the terminal by the second display control means , the personal information of the family member or proxy of the user in the management table is changed according to the instruction of the family member or proxy of the user. and
personal information management system. The management table holds, as the personal information, a management table for registering at least one of an address, a telephone number, or an e-mail address of each of the users in correspondence with account information specifying each of the plurality of users,
When the user's family member or proxy operates the terminal to receive the service, the second display control means displays a display screen prompting the user to change the personal information of the user's family member or proxy . 2. The personal information management system according to claim 1, wherein the personal information management system is displayed on the terminal. The terminal is an automatic transaction device that performs financial transactions such as depositing or withdrawing cash,
The management table includes, as the groups, a main management table for managing the account number of the main user (main user) and personal information of the main user, and the account number of the main user's family or the account of the agent (subordinate user). including a subordinate management table for registering personal information of said family member or said agent corresponding to the number;
The recording means determines whether it is necessary to change the personal information of the subordinate user in the subordinate management table, or the personal information of the main user in the main management table, according to an instruction from the terminal by the main user or the subordinate user. 2. A financial transaction system using the personal information management system according to claim 1, which records necessity of change. A personal information management method for managing personal information of a user who can receive a service by operating a terminal using a server,
a step in which the server registers personal information of a plurality of users in a management table for each group having a predetermined relationship and manages a DB (database);
The terminal is provided with a display screen for selecting whether or not to change the personal information of the user's family member or representative who belongs to the group, and a display screen for selecting the user's family member or representative whose personal information is to be changed. a first display control step for displaying;
Based on the display screen displayed on the terminal by the first display control step , the user's family or representative selected by the user and whether or not it is necessary to change the personal information of the family member or representative a recording step of recording in the management table;
When the management table records the need to change the personal information of the family member or the proxy of the user , the personal information of the family member or the proxy is sent to the terminal operated by the family member or the proxy of the user. a second display control step of displaying a display screen prompting a change;
Based on the display screen displayed on the terminal by the second display control step , according to the instruction of the family member or proxy of the user , the personal information of the family member or the proxy of the user in the management table is changed. the change step to be performed;
Personal information management method having The management table holds, as the personal information, a management table for registering at least one of an address, a telephone number, or an e-mail address of each of the users in correspondence with account information specifying each of the plurality of users,
When the user 's family member or proxy operates the terminal to receive the service, the second display control step displays a display screen prompting a change of personal information of the user's family member or proxy , 5. The personal information management method according to claim 4, wherein the information is displayed on the terminal. The terminal is an automatic transaction device that performs financial transactions such as depositing or withdrawing cash,
The management table includes, as the groups, a main management table for managing the account number of the main user (main user) and personal information of the main user, and the account number of the main user's family or the account of the agent (subordinate user). including a subordinate management table for registering personal information of said family member or said agent corresponding to the number;
In the recording step, according to an instruction from the terminal by the main user or the subordinate user, whether or not it is necessary to change the personal information of the subordinate user in the subordinate management table, or the personal information of the main user in the main management table is changed. 5. The personal information management method according to claim 4, wherein the necessity of change is recorded.

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