JPH10171896A - Communication method and system for individual information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system in which the content of registered and changed information can be automatically communicated through a network or the like to plural other parties (specific individuals, enterprises, and groups (work place enterprise, financial institution, local government, and service providing trader or the like)) at the time of registering and changing the attribute information of the address of an individual. SOLUTION: Information necessary for communication such as the various information of an individual and information related with a communicated party to which the individual information is communicated, that is, the communicated party address (in the case of communication by transmission through a network), telephone number (in the case of communication by a voice or manned correspondence over a telephone), and address (in the case of communication by mail) of individuals, enterprises, and groups (work place enterprise, financial institution, local government, and service providing trader or the like) is managed in a storage device in a bank center or a center cooperatively managed by plural institutions. Then, at the time of registering and changing information from a user, the list of the communicated parities is automatically presented, the final confirmation of the communicated party by the user is executed, and a communicating processing by network transmission and other means is operated.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for storing information on households and individuals in a storage device in a bank or a center shared by a plurality of institutions, and, if necessary, a bank office or a business or a company.
In a system that can be searched from a terminal device in the home, when it becomes necessary to notify stored information to an individual, company, or organization other than the user, the system supports the user's procedures and operations.

[0002] In particular, by providing a function indicating that the user needs to be notified of information, a function of extracting a notification destination, and a notification function corresponding to the notification destination, the procedure and operation of the user are reduced. The purpose is to prevent notification omission. There are various types of information that can be used, depending on the type of information.However, such as notification of address changes to financial institutions and various service providers, the notification destination of information is diversified and it is easy to forget, and each procedure is complicated. It is suitable for the case.

[0003]

2. Description of the Related Art Conventionally, services that allow users to store and retrieve user-specific information in a storage device in a bank center include “Nihon Keizai Shimbun” (January 11, 1996) and “Modern Sales” ( February 15, 1996, 90-91
Page)), there is an example of Sanwa Bank's "Information safe deposit service", which stores important corporate information for disaster countermeasures and cannot notify other companies or organizations. "Nihon Keizai Shimbun" (February 14, 1996)
The example of Tokai Bank in the above, which accepts personal address change notices over the telephone and sends necessary documents to the individual, is intended only for address changes for its own bank, taking into account notifications to other companies and organizations. There is no mechanism to prevent address change omissions. In addition, e-mail is widely known as a means for notifying information, but it is premised on a notification method by transmission, and it cannot respond to various notification methods and cannot automatically extract notification destinations .
In the case of e-mail, it is necessary to specify the notification destination by the notifyr himself, and a third party stands in
It is impossible to mediate and execute notifications to a wide variety of destinations based on the designation from the user.

[0004]

The conventional method and system have the following problems.

When an individual changes attribute information such as an address,
For each of the various service providers that have business relationships with individuals, a separate change procedure is required,
In addition, the procedures vary depending on the trader, and it is necessary for the individual to grasp and judge what kind of communication should be made to which trader and how to proceed. On the other hand, even if the service provider does not have the latest customer attribute information, such as the inability to send mail if the individual changes the address without any contact, various inconveniences have occurred.

SUMMARY OF THE INVENTION The object of the present invention is, as described above, to provide attribute information such as an address of an individual and a company / organization (working company, financial institution,
Information on local governments, service providers, etc.) is held in a bank or a center jointly operated by multiple institutions, and users only need to make a single change process, and all necessary recipients (Individuals, companies and organizations) can make the same change (actually notify the changed information to the other party), so that the information of the notified party is individually managed, Another object of the present invention is to release the user from the trouble of performing the same procedure for all the notification destinations. It is another object of the present invention to enable a company / organization to manage customer information in an up-to-date state and to improve service capabilities for customers.

[0007]

In order to achieve the above object, according to the present invention, there is provided a destination for notifying various information of an individual to a storage device in a bank center or a center operated jointly by a plurality of institutions; In other words, notification destination addresses (in the case of notification by transmission via a network) of individuals, companies / organizations (employee companies, financial institutions, local governments, service providers, etc.), telephone numbers (voice by telephone or notification by manned staff) ), The address (in the case of notification by mail), and other information required for notification.

The following description is based on the assumption that a user issues a notification of an address change to a required individual, company, or organization.

[0009] The user first specifies that the information to be notified is an address change. Further, the user determines a desired partner as a notification destination. At this time, the center side can automatically display the destination to be notified to the user. (The user specifies the addition or deletion of the displayed notification destination.) On the center side, using the notification destination information changed and confirmed by the user as a key, individuals, companies, Search for information on the address change notification method from information about the organization.
(If the notification method has several options such as network transmission, telephone communication, mailing, etc., the user must specify it.) If the notification method is network transmission, the notification method is based on the notification information and notification destination information. Then, after editing the message, an actual notification process is performed. When editing the notification information, the notification information can be transmitted in a format specified by the company / organization of the notification partner.

[0010]

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

FIG. 1 shows an apparatus configuration of the present invention. Computer center 4 of the bank linked to the bank customer attribute and transaction DB1, computer center 5 of the card company linked to the customer attribute of the card company and transaction DB2, mail order company linked to the customer attribute of the mail order company and transaction DB3 Computer center 6 and bank alone or card company
Center 8 jointly operated by multiple organizations such as mail order companies
Are connected via a line. The center 8 includes, for each customer / stored information, information on a company / organization to be notified, as well as personal attributes such as the address of a customer (user), and for notifying information. There is a DB 9 that holds information about the method. The tables held in the DB 9 will be described below with reference to FIGS. First, the user registration information table in FIG. 4A manages the types of information registered by the user in the center. For the customer attributes and other information, the address information table of FIG. 4 (a-2) for managing the address information of the user, the household information table for managing the household information, and the FIG. 4 (a-4) of FIG. A settlement account information table and the like are managed. For each piece of customer information, two pieces of information before and after the change are managed in the form of old information and new information. Although FIG. 4 shows household information, address information, and settlement account information, various variations are conceivable according to the needs of users, companies, and organizations.

Next, information on the company / organization to be notified is shown using FIGS. 5 (b-1) to 5 (b-3). FIG.
In the address notification destination information table of (b-1), the type and name of the destination to which the address is notified are managed for each user. Fig. 5 (b-
In 2), the code and name of the transfer contract partner are managed for each settlement account of the user. The notification information table of FIG. 5 (b-3) manages notification means such as network transmission and mailing, notification destination detailed information such as a network address and address, and standard document information used for notification for each notification destination. Is done. For example, in each organization (in FIG. 1, only a bank, a card company, and a mail order company are described, but actually various types of companies and organizations are included), a notification destination address (in the case of notification by transmission via a network) ), A telephone number (in the case of notification by voice or manned correspondence by telephone), an address (in the case of notification by mail), and the like, information on the notification means is managed.

The center 8 includes a communication control device 11, an internal memory 12, an overall control device 13, and a display means 1.
4. The terminal device 10 including the key input means 15 is connected. The key input means is used by the user to register or change attributes such as an address and other information, and to add and delete information notification destinations.

Next, the processing flow will be described with reference to FIG. First, a user registers and changes customer attributes and other information to a center (center 8 in FIG. 1) jointly operated by a bank or a plurality of institutions through a terminal device.

For example, when the address information is registered for the first time by Mr. Hitachi Taro of user number 1234-5678, the user number in the user registration information table of FIG. “Bbbbb” and “address information” are set in predetermined columns 41 and 42 of the information type code and information type managed for each. In the address information table of (a-2), at the time of initial registration of an address, address information is set in an area 43 of new address information held for each user number.

If the address information is changed after the initial registration, the address information previously registered in the new information area 43 is shifted to the old information area 44, and the new address is replaced with the new address.
Is set to If the type of information to be registered / changed is household information, the information is set in the old household information and new household information areas 45 and 46 of the household information table (a-3). If the type of the information to be registered / changed is the settlement account information, it is set in the old settlement account information and new settlement account information areas 47 and 48 of the settlement account information table (a-4).

Next, each user specifies the type of information to be notified to the company / organization or the like from the terminal (step 22), and the center manages the information in advance in the center based on the specified contents. The information about the company / organization of the notified information destination is displayed on the display device of the terminal (step 23).

On the notification information designation screen shown in FIG. 3 (a-1), a list of information registered by the user with the center is displayed, and the user designates a notification target from the list by operating the mouse. . As a result of the user's designation, 31 on the screen (a-1)
“○” is displayed in the “” portion to indicate that the notification is made. For information that is not to be notified, the "-" mark remains displayed, indicating that the information is not to be notified.

Next, taking as an example a notification of an address change, FIG.
In the information notification destination change / confirmation screen of (a-2), the notification destination names are respectively stored in predetermined areas 32 and 33 of the notification destination extraction result list.
And the notification destination type are displayed. This list is shown in Figure 5 (b-
The address notification destination information table of 1) is automatically processed and displayed based on the destination information (destination type, destination code and name) held for each user number. In the example, since it is the address information notification destination of Mr. Taro Hitachi with the user number "1234-5678", from the contents registered as the notification destination of the address information of the user in the table (b-1), The contents of the destination names and destination names 51 and 53 (four destination information) are displayed in the notification destination types and notification destination names 33 and 32 of the screen of FIG. You.

Here, when the information to be notified is related to a settlement account, first, information of a transfer contractor managed for each settlement account 54 held by the user (contractor code 5).
5 and the name 57, the partner type 56), and the contractor name and the partner type are displayed in the predetermined areas 32 and 33 of the notification destination extraction result list in FIG. 3 (a-2).

Next, the user deletes a company or an organization of the displayed information notification destination whose business relationship is to be stopped in the future and adds a business start of a new business start. After making changes according to your own requirements,
Final confirmation is performed (step 24). The deletion is performed by selecting an object to be deleted from the information in the notification destination extraction result list in the information notification destination change / confirmation screen in FIG. 3 (a-2). The addition is specified in the notification destination addition area of the same screen, and the notification destination name and type are displayed on 34 and 35, respectively. Since the target to be added is a company or an organization managed in the center, it is possible to select the registered destination by a mouse operation from a list of registered destinations, and it is not necessary for the user to input information. When all the information notification destination changes have been completed, designation of whether or not to perform final confirmation is performed from the predetermined area 36 of the screen (a-2). If YES is specified here, actual notification processing is performed thereafter. It becomes a flow of.

The processing of steps 23 and 24 as described above enables the same processing to be repeated in household units in addition to individual units. At this time, the user number is searched using the new household information 43 in the household information table of FIG. 4 (a-3) described above as a key, and all the household members are searched for from step 23 to step 24 in FIG. Is performed.

In the center (8 in FIG. 1), step 24
Then, based on the address information of the notification destination finally confirmed by the user, the information is transmitted to the computer center (4, 5, 6 in FIG. 1) via the network (step 25). The center of each company or organization that has received the information notification uses the customer code in the notification message as a key to manage the customer attributes and transaction DB (1, 2, and 2 in FIG. 1).
3) is updated (step 26).

When performing the notification processing in step 25, based on the notification information table of FIG. 5B-3, notification means 58 (network transmission, mailing, telephone reception, etc.) to each notification destination, The detailed information 59 for notification (network address, address, reception telephone number, etc.) is searched. When performing notification by network transmission or mail, the center side of each company or organization receiving the notification (4, 5, and 6 in FIG. 1)
In order to perform message notification in a format of an acceptable document, a standard document to be used is called based on the standard document key information 510 in the notification information table in FIG. . The process of updating the center customer attribute and transaction DB after receiving the network transmission between the centers and receiving the message corresponds to a general communication process and a DB update process, and thus the description thereof is omitted.

The information registration / change processing in step 21 of FIG. 2 and the information notification processing in step 22 and subsequent steps can be performed at different timings. At this time, the information registration / change processing is performed while the information registration / change processing is being performed. In preparation for a case where the notification process is not performed, that is, a case where the user forgets the information notification, a process of warning the user after a certain period of time is realized as follows. In the user registration information table of FIG. 4A, both the update date and the notification date are held for each information type. For example, when the address is changed, the date of the change is stored in the update date column 49. Notification date field 4
In 10, there is an actual user's notification request, and the date is set when the processing after step 22 in FIG. 2 is completed. The center periodically compares the update date with the notification date and, if the notification date 410 is earlier than the update date 49, outputs which information has not been notified in the form of a report. The user is notified by telephone or mail.

[0026]

As described above in detail, according to the present invention, the same notification processing occurs to a large number of companies / organizations such as an address change of an individual, and each company / organization performs a different procedure. Even in the case where the request is made, the individual can perform the simple procedure once and notify all the other parties.

[Brief description of the drawings]

FIG. 1 is an apparatus configuration diagram for implementing the present invention.

FIG. 2 is a processing flowchart showing an embodiment of an address change notification process according to the present invention.

FIG. 3 is a diagram showing a screen when designating information to be notified and a notification destination;

FIG. 4 is a diagram showing a table for managing the types and contents of user registration information;

FIG. 5 is a diagram showing a table for managing information relating to a notification destination of information;

[Explanation of symbols]

Claims (7)

[Claims] 1. A service providing method and system capable of storing personal unique information in a personal storage device in a center operated jointly by a bank or a plurality of institutions, and making inquiries as necessary. In a single operation, multiple parties (specific individuals, companies / organizations (employee companies, financial institutions, local governments, service providers, etc.)) who want to be notified of some or all of the personal information of an individual A service providing method and system for providing uniform notification. 2. In the service, even if a user does not know detailed information (address, etc.) on a notification destination, an individual, a company / organization (working company, financial institution, local government, service provider, etc.) can be used in the center. 2. The service providing method and system according to claim 1, wherein by managing the information in (1), information management on the user side is not required at all. 3. The service providing method and system according to claim 1, wherein the user does not need to judge a notification method (transmission on a line, FD, telephone, FAX, etc.) in the service. . 4. The service according to claim 1, wherein in the service, a user can select and add a notification destination extracted based on information in a storage device in a bank center. Provision method and system. 5. In the above-mentioned service, when notifying individual households such as an address change of an individual, based on the household information in the storage device in the common center, the same household must be other than the user. The service providing method and system according to claim 1, wherein the same notification can be performed simultaneously. 6. In the above service, a notice of a user's notice is changed within a certain period from the time when it is detected that a notice is necessary for a specific individual and a company / organization due to a change of registered information by the user. 2. The service providing method and system according to claim 1, wherein whether or not the instruction is actually performed is monitored, and if the instruction is not performed, a warning message is issued. 7. In the service, a notification document and a notification method complying with rules specific to the company or organization to which the notification is made are stored in a storage device in a bank center, and the corresponding user is The service providing method and system according to claim 1, wherein information on a required document and a notification method can be transmitted.