JP2003022255A - Personal confirmation method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a personal confirmation method by which prescribed information can be automatically and safely notified on a portable terminal without requesting personal confirmation to a user by preventing the information from being leaked to the others. SOLUTION: This method comprises the step of promoting a user to input first collation information when a download request corresponding to a program for transmitting a prescribed request is transmitted from a portable terminal, the first collation step of collating the inputted fist collation information with first collation information preliminarily stored in a server, the step of transmitting a program applied with second collation information to the portable terminal when the collated result is matched, the step of receiving the applied second collation information and the prescribed request transmitted from the portable terminal according to the transmitted program, the second collation step of collating the received second collation formation with second collation information preliminarily stored in the server, and the step of carrying out processing corresponding to the received prescribed request when the collated result is matched.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a personal identification method in which a server performs personal identification based on information transmitted from a mobile terminal.

[0002]

2. Description of the Related Art In recent years, various services have been provided with the advent of mobile terminals equipped with an execution environment for application programs (hereinafter referred to as "programs"). When the user accesses the Internet or the like and downloads a desired program to the mobile terminal, the user can enjoy various services by executing the program on the mobile terminal.

Some services using such a mobile terminal notify traffic information, weather information, stock prices, currency exchange information, etc. on the user's mobile terminal in real time.
Specifically, when the user downloads a predetermined program from the server to the mobile terminal, the program is regularly activated in the mobile terminal, acquires the above-mentioned information from the server, and displays the information on the mobile terminal.

Since the program in the mobile terminal is automatically started, the user does not need to operate the mobile terminal to access the server by himself, and the program frequently accesses the server to obtain information. The user can easily obtain the latest information regarding these pieces of information that change every moment.

[0005]

However, since the above-described service notifies the user of general-purpose information such as weather and stock prices, there is a problem in the case of notifying personal information. . That is, when the bank account balance information, transfer information, and the like are notified on the mobile terminal, the information may be leaked to another person.

Therefore, in order to eliminate such inconvenience,
When notifying personal information or the like on a mobile terminal, it is proposed that the user input a personal identification number or password to confirm the identity. However, if the user's identity is requested each time the program in the mobile terminal is automatically started, the operation burden on the user becomes excessive, and the program is automatically started without requiring the user's operation to display information in real time. The characteristics of the service that provides the service will be impaired.

Therefore, according to the present invention, when the predetermined information is automatically notified on the portable terminal, the information is safely transmitted without requiring the user to confirm the identity and avoiding information leakage to others. It is to provide an identification method that can be notified.

[0008]

According to a method of identifying a person according to the present invention, a server sends a program to which verification information such as identification information is added to a mobile terminal, and when the program is started, the verification information added to the server is sent to the server. The feature is that the person is confirmed by sending it back.

Specifically, when the server accepts a program download request from the mobile terminal, it adds predetermined identification information to the program and sends it to the mobile terminal, and the mobile terminal gives the program when the program is automatically started. The transmitted identification information is transmitted to the server to make a predetermined request, and the server confirms the identity based on the transmitted identification information.
Perform processing according to the request.

[0010] The server, when confirming the identity,
It is preferable to use two pieces of information, i.e., identification information given by the server and mobile terminal number information (hereinafter referred to as "mobile terminal user ID") transmitted from the mobile terminal. This is because security can be improved by confirming the identity based on the two pieces of information.

Further, when downloading the program,
It is desirable that the server downloads the program to the mobile terminal after requesting the user to input verification information such as a password to confirm the identity. This is to ensure security when downloading the program. In the personal identification method according to the present invention, the identification information, the mobile terminal user ID, and the password are used as the collation information.

The identification information is information uniquely set to identify the user, and is composed of, for example, 10-digit numbers. This identification information may be set in advance or may be set by the server at the time of download.

The program is written in a language that can be executed by the mobile terminal, and has a function of accessing the server and requesting the server to perform a predetermined process when automatically started in the mobile terminal according to the setting conditions of the user. is doing. For example, a function of requesting information about a user's bank account and notifying the result of the inquiry is applicable.

To give predetermined identification information to a program means to send the given identification information to the server when the program is automatically started to access the server.
It means setting in the program.

The mobile terminal user ID is a number uniquely set in correspondence with a telephone number (mobile phone subscriber number), and the mobile terminal transmits this mobile terminal user ID every time information is transmitted. Is configured in advance.

That is, the present invention is a personal identification method in which the server performs personal identification based on the information transmitted from the mobile terminal, and a download request for a program for transmitting a predetermined request is transmitted from the mobile terminal. Then,
A step of urging the user to input first collation information; a first collation step of collating the input first collation information with the first collation information stored in advance in the server; 1
When the matching results in the matching step match, the second matching information is added to the program and transmitted to the mobile terminal; and the added first transmitted from the mobile terminal according to the transmitted program. Receiving the second verification information and the predetermined request, the second verification information received, and the second verification step of verifying the second verification information stored in advance in the server; Performing a process according to the received predetermined request when the matching results in the second matching stage match.

Further, it is preferable that the first collation information is identity verification information set by the user and / or identification information set by a server for identifying the user.

The second collation information is preferably personal identification information set by the user or identification information set by a server for identifying the user.

Further, the receiving step receives the mobile terminal number information which is a number preset for identifying the mobile terminal and which is transmitted when the mobile terminal transmits information. The second collation step is characterized in that the received second collation information and the mobile terminal number information are collated with the second collation information and the mobile terminal number information stored in advance in the server.

The method further includes the step of creating second verification information for uniquely identifying the user when the verification results in the first verification step match, and the step of transmitting is created. The second collation information is added to the program and transmitted to the mobile terminal.

Further, the program has a function of transmitting a predetermined request to the server when it is regularly activated in the mobile terminal according to the condition set by the user, and the result of the request from the server is the mobile terminal. Is notified to the mobile terminal, the mobile terminal is caused to execute the function of notifying the result on the mobile terminal.

Further, the function of transmitting the predetermined request is
It is a function of transmitting a request for inquiring the balance of the transaction account of the user to the server.

Further, the program has a function of registering the erased information in the mobile terminal, and periodically activated in the mobile terminal according to the condition set by the user,
A function of transmitting a request to the server to inquire about deposit details for the user's transaction account, and when the server notifies the mobile terminal of deposit information as a result of the request, the deposit information and the application information registered. The mobile terminal is caused to execute a function of matching and and a function of transmitting the mail address of the matching erase information to the server as a result of matching.

Further, the method further comprises the step of performing a process according to the predetermined request and transmitting the result of the process to the mobile terminal, wherein the program transmits the transmitted process result to the mobile terminal in a predetermined manner. A function of storing the processing result in a storage area, a function of receiving a confirmation request of the user for the stored processing result, and a function of displaying the processing result on the mobile terminal in response to the received confirmation request. Characterize.

Further, when the program receives a confirmation request from the user, the program prompts the user to input the third collation information, the input third collation information and the portable terminal are prestored in the portable terminal. And a function of collating the third collation information with each other.

The present invention is a server for confirming an identity based on information transmitted from a mobile terminal, wherein when a download request for a program for transmitting a predetermined request is transmitted from the mobile terminal, Means for urging the user to input collation information; first collation information for collating the input first collation information with the first collation information stored in advance in the server; and the first collation Means for transmitting second collation information to the program and transmitting the second collation information to the portable terminal when the collation results in the means coincide with each other; and the second imparted information transmitted from the portable terminal according to the transmitted program. Means for receiving collation information and the predetermined request, second collation information received, second collation means for collating second collation information stored in advance in the server, and the second collation means of If the collation result in the mix means coincide, characterized in that it comprises, means for performing a process according to predetermined the received request.

[0027]

BEST MODE FOR CARRYING OUT THE INVENTION [First Embodiment] Next, a first embodiment of the present invention (hereinafter referred to as "the present embodiment") will be described with reference to the drawings. In this embodiment, as an example of a service using the identity verification method according to the present invention, an automatic balance inquiry in a mobile banking service system will be described.

The mobile banking service system is a service system that allows a user to make a balance inquiry of his / her account, a deposit / withdrawal statement inquiry, a transfer and a transfer from a mobile terminal. For example, in the balance inquiry, when the user operates the screen of the mobile terminal to inquire the balance of his / her account to the server, the server identifies the user's account and requests the balance host to inquire the balance and makes an inquiry. The result is received and transmitted to the user's mobile terminal.

However, in this balance inquiry method, when the user wants to know the balance fluctuation in real time,
The user has to access the server frequently, which imposes an excessive amount of time and effort on the user.

Therefore, in the present embodiment, the program is set to have a function of automatically inquiring the server of balance fluctuation and notifying the user of the result.

The present invention is not limited to the mobile banking service system, but can be applied to a service system that safely provides various information by using a program downloaded to a mobile terminal.

(Schematic Configuration of Mobile Banking Service System) FIG. 1 is a block diagram showing a schematic configuration of the mobile banking service system according to the present embodiment. As shown in FIG. 1, the mobile banking service system 100 is typically a mobile banking server (hereinafter referred to as “MB server”) 1.
, Accounting system host 2, mobile terminal 3, gateway 4
It is realized by and. The MB server 1 is connected to the dedicated line 6, and the mobile terminal 3 is a packet communication network 5 (digital wireless network).
The MB server 1 and the mobile terminal 3 are connected to the gateway 4
Connected via. Communication between the MB server 1 and the mobile terminal 3 is typically an HT with improved specifications for mobile terminals.
It is performed using the TP protocol and the HTML language.

The MB server 1 includes a server program 11, a mobile terminal compatible web page 12, and an automatic balance inquiry program 1
3 and a mobile banking database 14 (hereinafter referred to as “MB database”). The accounting host 2 has a balance inquiry means 15 and an account database 1.
6 and.

The server program 11 accepts a request from the mobile terminal 3 of a user who intends to use mobile banking by HTTP for a mobile terminal, and performs a process corresponding to the request. For example, when the server program 11 receives a request for collating account balance information, the server program 11 accesses the accounting system host 2 to acquire the balance information, and provides the acquired balance information to the user's mobile terminal 3.

The mobile terminal compatible web page 12 is document data which constitutes a screen to be provided to the user.
It is created using a mobile terminal compatible HTML or the like. In the present embodiment, as the mobile terminal compatible web page 12, pages that configure a main menu screen of mobile banking, a screen for notifying the inquiry result, and the like are prepared.

The automatic balance inquiry program 13 is an application program created in a programming language that can be executed by the mobile terminal 3, and is created by, for example, Java (trademark) for mobile terminals. When the automatic balance inquiry program 13 is started according to the set conditions,
It mainly has a function of transmitting a balance inquiry request to the user's account to the MB server 1, receiving the result from the MB server 1, and notifying the result on the mobile terminal 3.

The MB database 14 stores the information 20 necessary for performing the mobile banking service. FIG. 2 is an example showing the data structure of the MB database 14. According to the figure, for example, a telephone banking contractor number (hereinafter referred to as "TB contractor number")
, Password, transaction account number, and mobile device user ID
Etc. are stored. The TB contractor number is a number set by the financial institution when the user applies for the telephone banking service, and is uniquely set to identify the user. Further, the password is set by the user at the time of application. The transaction account number corresponds to the account number of the financial institution held by the user. Mobile terminal user
The ID is a number that is automatically transmitted from the mobile terminal 3 each time the user transmits information from the mobile terminal 3, and is set in advance to identify the mobile terminal 3.

The accounting system host 2 includes various inquiry means for inquiring information on a user's transaction account, and the account database 16.
Is equipped with. The inquiry unit includes, for example, a balance inquiry unit 15 that inquires the balance of the transaction account and notifies the balance. Further, the account database 16 stores information regarding a user's transaction account, specifically, a transaction account number, an account name, a balance amount, and the like.

The mobile terminal 3 has a liquid crystal screen for displaying the mobile terminal-compatible Web page 12 transmitted from the MB server 1, and various buttons for the user to operate.
In addition, the mobile terminal 3 supports a mobile terminal and a packet processing unit for transmitting and receiving data via the packet communication network 5.
A browser program for browsing the Web page 12 is provided. In addition, the mobile terminal 3 has a program execution environment for executing the program downloaded from the MB server 1, and, for example, KVM (K Vi) which is a Java program execution environment for operating the above-described Java.
rtual Machine).

The gateway 4 is for interconnecting the leased line 6 and the packet communication network 5, and the portable terminal 3
The information received from the packet communication network 5 is protocol-converted and transmitted to the MB server 1 via the dedicated line 6.

In the mobile banking service system 100 configured as described above, the user downloads the program from the MB server 1 to the mobile terminal 3 and operates the screen of the mobile terminal 3 to set the program start conditions. The program automatically makes an inquiry to the MB server 1 for an account according to the set conditions, and notifies the user of the inquiry result on the mobile terminal 3. The user can obtain the inquiry result in real time without accessing the MB server 1 by himself.

(Outline of Workflow Related to Mobile Banking Service System) FIG. 3 is a workflow diagram of the mobile banking service system 100 according to this embodiment. First, the user accesses the MB server 1 that provides the mobile banking service from the browser of the mobile terminal 3 via the gateway 4, and requests the service start registration from the service start registration screen (S1) (S2). The mobile terminal 3 automatically sends the mobile terminal user ID to the MB server 1 via the gateway 4.

FIG. 4 is a diagram showing an example of the service start registration screen displayed on the browser of the mobile terminal 3. The user inputs his or her TB contractor number 41 and password 42 on the service start registration screen, and the registration button 43
Select. When the registration button 43 is selected, the mobile terminal 3 transmits the TB contractor number 41 and the password 42 to the MB server 1. The user has previously obtained the TB contractor number and password by applying for the mobile banking service in writing.

When the MB server 1 receives a service start registration request from the user, it verifies the TB contractor number 41 and password 42 entered by the user with the TB contractor number and password registered in the MB database 14. The identity is confirmed by (S3). If the collation results match, the MB server 1 registers the service start of the user in the MB database 14 and receives the received mobile terminal user ID.
Is stored in association with the TB contractor number (S4). Also,
The MB server 1 transmits the fact that the service start registration is completed to the user's mobile terminal 3 (S5). On the other hand, if the collation results do not match, the MB server 1 does not perform the registration process and indicates that the service start registration has not been performed by the user's mobile terminal 3
Send to.

When the user receives from the MB server 1 that the service start registration has been completed on the browser of the mobile terminal 3, the user performs a predetermined operation to request the MB server 1 for the main menu screen of mobile banking. You can FIG. 5 is a diagram showing an example of a main menu screen displayed on the browser of the mobile terminal 3. As shown in the figure, various services provided by the MB server 1 are displayed on the main menu screen (FIG. 5 (A)). The user
When "3. Automatic balance inquiry" 51 is selected, download screen for automatic balance inquiry from the main menu screen (Fig. 5 (B))
(S6).

When the user selects "1. Download" 52 (S7), a download request is transmitted from the mobile terminal 3 to the MB server 1. MB server 1
When the download request is received, the user is requested to input the password on a screen (not shown), and when the user inputs the password and sends it, the MB server 1 receives the password stored in the MB database 14 and the received password. The identity is confirmed by collating (S8).

When the collation results match, the MB server 1 assigns the TB contractor number of the user to the balance automatic inquiry program 13 (S9), and transmits this to the portable terminal 3 (S10). If the collation results do not match, the MB server 1 notifies the user to that effect and stops the download process.

The automatic balance inquiry program 13 automatically requests the MB contractor number assigned when accessing the MB server 1 from the mobile terminal 3 with the function of requesting the balance inquiry and the function of notifying the result. It mainly has a function of transmitting to the server 1.

When the download of the automatic balance inquiry program 13 is completed, the user operates the screen of the portable terminal 3 to set conditions for starting the automatic balance inquiry program 13 (S11). FIG. 6 is a diagram showing an example of an application / program menu screen (hereinafter referred to as “app menu screen”) displayed on the browser of the mobile terminal 3. The application menu screen is a menu screen for setting the activation conditions of the program downloaded to the mobile terminal 3, and according to the figure, it can be seen that there are five programs downloaded to the mobile terminal 3.
When the user selects “1. automatic balance inquiry” 61, the application menu screen (FIG. 6 (A)) changes to the automatic balance inquiry setting screen (FIG. 6 (B)).

On the balance automatic inquiry setting screen, the user can set the condition 62 for starting the balance automatic inquiry program 13. For example, the frequency of automatically accessing the MB server 1 (eg, every 3 hours), the method of notifying the MB server 1 of predetermined information (eg, notification by melody), and the MB server 1 It is possible to set the notification content (eg, increase / decrease of all) when notifying information.

The user inputs each condition and a registration button 63
When is selected, the input condition is stored in a predetermined storage area in the mobile terminal 3. After that, the automatic balance inquiry program 13 is started according to the conditions set by the user,
The MB server 1 is accessed (S12). In the present embodiment, the automatic balance inquiry program 13 is started every 3 hours and is requested by the user (whether or not the balance of the account has changed).
To the MB server 1. The automatic balance inquiry program 13 sends the TB contractor number assigned in S9 each time the MB server 1 is accessed. Also, mobile terminal users
The ID is also automatically transmitted each time the mobile terminal 3 accesses the MB server 1.

When the MB server 1 receives the TB contractor number, the user request (balance inquiry), and the mobile terminal user ID,
The identity is confirmed by collating the received TB contractor number and mobile terminal user ID with the TB contractor number and mobile terminal user ID stored in the MB database 14 (S1).
3).

If the collation results match, the MB server 1 reads out the user's account number corresponding to the TB contractor number from the MB database 14 and sends the account number of the user and the balance inquiry request to the accounting host 2. It is transmitted (S14). On the other hand, if the collation results do not match, the MB server 1 sends a message to that effect to the mobile terminal 3 and stops the process.

Upon receipt of the user's account number and balance inquiry request from the MB server 1, the accounting host 2 refers to the account database 16 based on the received account number, and from the last access to the current access. During the period, it is checked whether or not the balance has changed (S15). Then, when there is a change in the user's account balance due to deposit or withdrawal, the accounting host 2 transmits that fact to the MB server 1 as an inquiry result (S16).

The MB server 1 sends the inquiry result received from the accounting host 2 to the portable terminal 3 via the gateway 4 (S17). Balance automatic inquiry program 13 is MB
When the account balance change is received from the server 1, a melody sound is output and a message is displayed on the browser (S1
8).

FIG. 7 is a diagram showing an example of the balance change notification message displayed on the browser of the mobile terminal 3. When the user listens to the melody and looks at the LCD screen,
Notice from the bank! Message is displayed (Fig. 7 (A)). In addition, the user
By selecting “1. Yes” 71, the contents of the notification can be displayed. In FIG. 7B, the fact that the user's account balance has changed and the fact that it can be confirmed by the deposit / withdrawal statement inquiry are displayed.

Here, the user selects "1. To main menu".
When 72 is selected, the main menu screen is displayed. FIG. 8 is a diagram showing an example of a main menu screen displayed on the browser of the mobile terminal 3. Here, the user selects "2.
When “Deposit and Withdrawal Details Inquiry” 81 is selected, the user is prompted to enter a password on a screen (not shown), and when the user enters the password and sends it, the MB server 1 confirms that the password stored in the MB database 14 Identity verification is performed by collating with the received password.

When the collation results match, the MB server 1 transits to a deposit / withdrawal statement inquiry screen (FIG. 8 (B)). On the deposit / withdrawal details inquiry screen, "deposit date",
"Name of depositor" and "balance" are displayed.

If there is no change in the balance, the MB server 1 sends a message to that effect to the mobile terminal 3 and no message is displayed on the browser of the mobile terminal 3.

As described above, according to the present embodiment, even when the balance automatic inquiry program 13 in the mobile terminal 3 automatically makes a balance inquiry to the MB server 1, the MB server 1 does not use the TB assigned at the time of downloading. Since the identity verification is performed based on the contractor number and the mobile terminal user ID automatically transmitted by the mobile terminal 3, even when the personal information of the balance information is notified to the mobile terminal 3, the leakage to a third party is prevented. Then you will be able to do it safely. In addition, the user only has to enter the password when downloading the program, and it is convenient because the user can obtain the information after the download without having to worry about entering the password.

According to the above-described embodiment, when the user's balance changes, the MB server 1 sends a message notifying that the mobile terminal 3 has changed, and the user separately receives mobile banking / It was decided to refer to the deposit / withdrawal details inquiry from the menu. However, the present invention is not limited to this, and for example, when there is a change in the account of the user, the change information may be transmitted to the mobile terminal 3 of the user.

Specifically, the balance automatic inquiry program 13
When receiving the fact that there has been a change and the change information from the MB server 1, it notifies a message on the browser and stores the change information in a predetermined storage area in the mobile terminal 3. The fluctuation information corresponds to, for example, a transaction result (payment), a deposit amount, the name of the depositor, and the current balance when the deposit is received. When the user operates the mobile terminal 3 to request confirmation of the fluctuation information, the automatic balance inquiry program 13
The variation information stored in the predetermined storage area is read out and displayed on the browser. According to this, since the transmitted variation information is stored in the mobile terminal 3, for example, the user cannot use the mobile terminal 3. Even when you are in the place, you can immediately check the details of the balance fluctuation. It should be noted that the balance automatic inquiry program 13 has a function of deleting the information viewed by the user,
When the latest variation information is received from the server 1, a function of merging this with the unviewed variation information may be provided. As a result, the amount of data stored in the mobile terminal 3 can be reduced.

Further, the user confirmation function for confirming the fluctuation information stored in the portable terminal 3 by the user may be set in the balance automatic inquiry program 13. For example, when the user requests confirmation of fluctuation information, the user is prompted to enter the TB contractor number, the entered TB contractor number is compared with the assigned TB contractor number, and the collation results match. In this case, the function for displaying the fluctuation information is set in the automatic balance inquiry program 13. Further, when the matching results do not match, an automatic erasing function for erasing the balance automatic inquiry program may be set in the balance automatic inquiry program. As a result, even if the mobile terminal is picked up by another person, it is possible to prevent browsing by a malicious third party. A password may be used instead of the TB contractor number for the above verification.

Further, according to the above-mentioned embodiment, the transaction account used for automatic balance inquiry is the transaction account registered in advance in the MB database 14, but the present invention is not limited to this. For example, a program can be downloaded. When doing so, the account number set separately by the server may be used. Moreover, after downloading, the account number set by the user from the mobile terminal 3 can be used. The set number is
It is stored in the MB database 14 in association with the transaction account number.

(Other Method of Confirming Identity) In the above embodiment, the method of confirming the identity at the time of automatic inquiry of the balance shows the TB contractor number and the mobile terminal user ID transmitted from the mobile terminal 3.
Then, the TB contractor number stored in the MB database 14 is collated with the mobile terminal user ID, but whether or not the mobile terminal user ID is used can be arbitrarily set.

In the above embodiment, the TB contractor number preset as the identification number given to the program at the time of downloading has been described, but the identification number may be, for example, by the MB server 1 at the time of downloading. It is also possible to use a newly set number. Ie MB
When there is a download request from the user, the server 1 generates an identification number that uniquely identifies the user according to a preset method, assigns the identification number to the program, and
Store in the MB database 14. When the program is automatically started in the mobile terminal 3 and accesses the MB server 1, the generated identification number is sent to the MB server 1,
The MB server 1 receives the identification number and the MB database 14
The identity can be confirmed by collating with the identification number stored in. Since the identification number automatically generated by the MB server 1 at the time of download is used only for confirming the identity at the time of automatic inquiry, it is possible to avoid contact with the public and consequently improve security. .

Further, the MB server 1 can also confirm the identity by giving a password to the program and sending it back when downloading. Like the TB subscriber number, the password uniquely identifies the user and is set in advance when applying for the mobile banking service. Therefore, the MB server 1
When the user makes a download request, the password of the user is given to the program and transmitted to the mobile terminal 3. When the program is automatically started in the mobile terminal 3 and accesses the MB server 1, this password is sent to the MB server 1, and the MB server 1 collates the received password with the password registered in the MB database 14. By doing so, it is possible to confirm the identity.

Further, in the above-mentioned embodiment, it has been explained that the password is also used to confirm the identity when the program is requested to be downloaded. However, whether to use the TB contractor number or the mobile terminal user ID is arbitrary. This can be set. For example, the password and the TB contractor number may be input by the user to confirm the identity, or the password, the TB contractor number, and the mobile terminal user ID may be input by the user to confirm the identity.

Furthermore, the method of verifying the identity at the time of downloading and the method of verifying the identity at the time of automatically collating the program can be combined arbitrarily. For example, when requesting a download, check the password against the TB contractor number,
When making an automatic inquiry, the collation may be performed with the TB contractor number, when the download is requested, the password may be collated with the TB contractor number and the mobile terminal user ID, and at the time of the automatic inquiry, the mobile terminal user ID may be collated. [Second Embodiment] Next, a second embodiment of the present invention will be described with reference to the drawings. In the first embodiment, the mobile banking service system 100 using the automatic balance inquiry program 13 has been described, but the second embodiment (hereinafter, referred to as “this embodiment”).
Then, a program that inquires the deposit details and notifies the result (hereinafter referred to as "incoming deposit automatic inquiry program").
Mobile Banking Service System 100
Will be described.

The automatic deposit statement inquiry program of this embodiment has a function of inquiring from the mobile terminal 3 to the MB server 1 as to whether or not there is a deposit in the user's account, receiving the result, and notifying on the mobile terminal 3. It is characterized by having. Further, the automatic deposit statement inquiry program has a function of previously registering deposit information including a depositor's email address in a predetermined storage area in the mobile terminal 3, and when the mobile terminal 3 receives the deposit information from the MB server 1, It has a function of sending the mail address of the depositor to the MB server 1 and sending a thank-you message to the depositor via the MB server 1 (a word mail function).

(Schematic Configuration of Mobile Banking Service System) FIG. 9 is a block diagram showing a schematic configuration of the mobile banking service system according to the present embodiment. In the figure, in addition to the configuration of the first embodiment, the MB server 1 is connected to the Internet 7. Further, the MB server 1 is provided with an automatic deposit statement inquiry program 17, and the server program 11 has a function as a mail server. The mobile terminal 3 is provided with a predetermined storage area for storing deposit information.
The accounting system host 2 is provided with a payment statement inquiry means 18.

In the above configuration, the deposit statement automatic inquiry program downloaded to the portable terminal 3 inquires the deposit information to the MB server 1, and when the receipt of the deposit is received from the MB server 1, the corresponding mail address is displayed. Send to MB server 1. When the MB server 1 receives the email address,
A thank-you email is sent to the email address. As a result, the user can acquire the deposit information and can immediately send a thank-you mail for the deposit via the MB server 1.

(Workflow of Mobile Banking Service System) FIG. 9 is a workflow diagram of the mobile banking service system. First, the user downloads the deposit statement automatic inquiry program from the MB server 1 in the same manner as the download procedure of the balance notification program described in the first embodiment (FIG. 3; S6 ...
(See S10), and set the start conditions of the deposit details automatic inquiry program (FIG. 3; S11, see FIG. 6).

Next, the user once registers the deletion information for using the mail function in the mobile terminal 3. Figure 10
FIG. 6 is a diagram showing an example of an application menu screen displayed on a browser. The user asks "1. Automatic payment details inquiry"
When you select 111, the application menu screen (Fig. 11 (A))
Changes to the clearing information registration screen (Fig. 11 (B)). On the application information registration screen, as the application information 112, a deposit amount, a transferee name, and an email address are provided. The user inputs each information on the cancellation information registration screen and selects the registration button 113. When the registration button 113 is selected, the mobile terminal 3 stores the input information in a predetermined storage area in the mobile terminal 3 (A1).

Next, when the deposit details automatic inquiry program is started according to the conditions set by the user, the portable terminal 3
MB of assigned TB contractor number and receipt details inquiry request
Send to server 1 (A2). The mobile terminal 3 also transmits the mobile terminal user ID to the MB server 1. MB server 1
The TB contractor number and mobile terminal user ID received are the TB contractor number and mobile terminal user stored in the MB database 14.
Identity verification is performed by collating with the ID (A3).

When the collation results match, the MB server 1
The account number corresponding to the TB contractor number is read out from the MB database 14, and the account number of the user and the payment statement inquiry request are transmitted to the accounting host 2 (A4). In contrast,
If the collation results do not match, the MB server 1 sends a message to that effect to the mobile terminal 3 and cancels the process.

When the account host 2 receives the user's account number and deposit details inquiry request from the MB server 1, it refers to the account database 16 based on the received account number,
From the time of the previous access to the time of this access, it is checked whether or not the user's account has been credited (A5). Then, when the user's account is credited, the accounting host 2 transmits the credit information to the MB server 1 as a query result (A6).

The MB server 1 sends the inquiry result (payment information) received from the accounting host 2 to the portable terminal 3 via the gateway 4 (A7). When the payment result automatic inquiry program in the mobile terminal 3 is notified by the MB server 1 of the inquiry result (payment information), the read-out information registered in A1 is read out to obtain the payment information. Match with the application information (A8).

Specifically, the deposit details automatic inquiry program indicates the deposit amount and depositor transmitted from the MB server 1.
The data is matched by collating the deposit amount and the depositor registered in the mobile terminal 3. Then, if the matching results match, the deposit statement automatic inquiry program notifies the browser of the mobile terminal 3 to that effect (A
9), send a mail send request to the MB server 1 with the mail address of the erased data (A10). When the mobile terminal 3 transmits the mail transmission request, the TB contractor number and the mobile terminal user ID are transmitted.

When the MB server 1 receives the mail transmission request, it receives the TB contractor number and the mobile terminal user ID,
The identity is confirmed by collating with the TB contractor number and mobile terminal user ID registered in the MB database 14 (A11). If the collation results match, the MB server 1 sends a thank-you mail for the deposit to the received mail address (A12).

If the inquiry result and the list do not match as a result of the matching, the deposit statement automatic inquiry program displays a message of inconsistency on the browser of the portable terminal 3 and cancels the mail transmission process (A9). ).

FIG. 12 is a diagram showing an example of the deposit notification message displayed on the browser of the portable terminal 3. The user can know the contents of the notice by looking at “Notice from XX bank!” And selecting “1. Yes” 121. Specifically, in FIG. 12 (B), it is possible to know that the deposit has been made and also to know that the e-mail will be sent.

According to the above, for example, even when the communication destination of the program downloaded to the mobile terminal 3 is limited to only the download source server, the user sends a thank-you mail via the MB server 1. Can be sent.

Further, the deposit statement automatic inquiry program stores the deposit information transmitted to the mobile terminal 3 in a predetermined storage area in the mobile terminal 3, and displays the deposit information on the browser according to the user's operation. (See Figure 12 (C)). According to this, the transmitted deposit information is stored in the mobile terminal 3
Therefore, even if the user is in a place where the mobile terminal 3 cannot be used, the deposit information can be immediately confirmed.

Further, it is possible to display list information in which the cancellation information and the deposit information are matched with each other on the browser. Specifically, when the mobile terminal 3 receives the deposit information, the stored application information is collated with the received deposit information, and the matched data is marked with a predetermined mark.
Set the function to display the list of application information in the payment details automatic inquiry program. According to this, the user
You will be able to see the status of deposits and withdrawals at a glance.

The above embodiment is an example for explaining the present invention, and the present invention is not limited to the above embodiment. The present invention can be implemented in various forms without departing from the gist thereof. For example, in the above-described embodiment, the method of confirming the identity in the mobile banking service has been described. Can be applied.

[0087]

According to the present invention, the server sends the program to which predetermined identification information is added to the portable terminal 3, and when the program is started, the identification information added is sent back to the server. You will be able to verify your identity without asking for a password. Therefore, even for personal information such as balance information, it is possible to provide information after confirming the identity.
It is possible to prevent leakage to a third party.

[Brief description of drawings]

FIG. 1 is a mobile banking system according to a first embodiment.
It is a block diagram showing a schematic structure of a service system.

FIG. 2 is an example showing a data structure of an MB database.

FIG. 3 shows mobile banking according to the first embodiment.
It is a workflow diagram of a service system.

FIG. 4 is a diagram showing an example of a service start registration screen displayed on a browser of a mobile terminal.

FIG. 5 is a diagram showing an example of a main menu screen displayed on a browser of a mobile terminal.

FIG. 6 is a diagram showing an example of an application menu displayed on a browser of a mobile terminal.

FIG. 7 is a diagram showing an example of a balance change notification message displayed on a browser of a mobile terminal.

FIG. 8 is a diagram showing an example of a main menu screen displayed on a browser of a mobile terminal.

FIG. 9 illustrates mobile banking according to the second embodiment.
It is a block diagram showing a schematic structure of a service system.

FIG. 10 is a workflow diagram of the mobile banking service system according to the second embodiment.

FIG. 11 is a diagram showing an example of an application menu displayed on a browser of a mobile terminal.

FIG. 12 is a diagram showing an example of a deposit notification message displayed on a browser of a mobile terminal.

[Explanation of symbols]

1 ... MB server 1 2 ... Accounting system host 2 3 ... Mobile terminal 4 ... Gateway 4 5 ... Packet communication network 5 6 ... dedicated line 7 ... Internet 11 ... Server program 12 ... Web page 13 ... Automatic balance inquiry program 14 ... MB database 15 ... Balance inquiry means 16 ... Account database 17 ... Automatic payment details inquiry program 18 ... Payment details inquiry means 100 ... Mobile banking service system

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) H04L 9/32 G06F 9/06 660E H04Q 7/38 H04B 7/26 109M H04L 9/00 673A 673B 675D F term (Reference) 5B076 FB05 FC01 5B085 AA08 AE02 BC02 5J104 AA07 KA01 KA02 MA01 NA05 PA10 5K067 AA34 BB04 BB21 DD51 EE02 EE10 EE16 FF02 FF07 FF23 HH22 HH24 HH32

Claims (11)

[Claims] 1. A personal identification method in which a server performs personal identification based on information transmitted from a mobile terminal, wherein when a download request for a program transmitting a predetermined request is transmitted from the mobile terminal, Prompting the user to input the first collation information, the first collation step of collating the input first collation information with the first collation information stored in advance in the server, and the first collation information. When the matching results in the matching step match, the second matching information is added to the program and transmitted to the mobile terminal; and the added first transmitted from the mobile terminal according to the transmitted program. Receiving the second collation information and the predetermined request, the second collation step of collating the received second collation information with the second collation information stored in advance in the server, The step of performing a process according to the received predetermined request when the collation results in the second collating step match each other. 2. The first verification information is identity verification information set by the user and / or identification information set by a server to identify the user. Identity verification method. 3. The second verification information is identity verification information set by the user, or identification information set by a server to identify the user. How to verify your identity. 4. The receiving step receives mobile terminal number information transmitted when the mobile terminal transmits information, the mobile terminal number information being a preset number for identifying the mobile terminal. 2. The collation step of 2 collates the received second collation information and mobile terminal number information with the second collation information and mobile terminal number information stored in advance in the server. 3. Any one of the identification methods described. 5. The method further comprises the step of creating second verification information that uniquely identifies the user when the verification results in the first verification step match, and the step of transmitting is created. The personal identification method according to any one of claims 1 to 4, wherein the second verification information is added to the program and transmitted to the mobile terminal. 6. The program has a function of transmitting a predetermined request to the server when the program is periodically activated in the mobile terminal according to a condition set by the user, and the result of the request from the server is the mobile terminal. The personal identification method according to claim 1, further comprising causing the mobile terminal to execute a function of notifying the mobile terminal of the result when the mobile terminal is notified. 7. The personal identification method according to claim 6, wherein the function of transmitting the predetermined request is a function of transmitting a request for inquiring the balance of the transaction account of the user to the server. 8. The program has a function of registering the erased information in the mobile terminal, and when the program is regularly activated in the mobile terminal according to a condition set by the user, a payment statement for a transaction account of the user. A function of transmitting a request for inquiring to the server to the server, a function of matching the payment information with registered reconciliation information when the payment information is notified from the server to the mobile terminal as a result of the request, As a result, the personal identification method according to any one of claims 1 to 5, further comprising causing the mobile terminal to execute the function of transmitting the mail address of the matching erased information to the server. 9. The method further comprises: performing a process in response to the predetermined request, and transmitting a result of the process to the mobile terminal, wherein the program transmits the transmitted process result to the mobile terminal in a predetermined manner. And a function of storing the processing result in the storage area, a function of receiving the confirmation request of the user for the stored processing result, and a function of displaying the processing result on the mobile terminal in response to the received confirmation request. The personal identification method according to any one of claims 1 to 8, which is characterized. 10. The program, upon receiving the confirmation request from the user, has a function of prompting the user to input third collation information, the input third collation information, and prestored in the mobile terminal. The personal identification method according to claim 9, further comprising a function of collating the third collation information. 11. A server for verifying an identity based on information transmitted from a mobile terminal, wherein when a download request for a program transmitting a predetermined request is transmitted from the mobile terminal, first collation information is obtained. In the first collating means, a first collating means for collating the input first collating information with the first collating information stored in advance in the server, A means for adding second matching information to the program and transmitting the second matching information to the mobile terminal when the matching results match; and the second matching information provided, which is transmitted from the portable terminal according to the transmitted program. And means for receiving the predetermined request, second collation means for collating the received second collation information with second collation information stored in advance in the server, and the second collation. A means for performing processing according to the received predetermined request when the collation results in the means match.