JP2003132223A - Notice processing method of secret information, bank system and provider computer - Google Patents

Abstract

PROBLEM TO BE SOLVED: To safely and surely inform secret information that is the information to be kept secret to others at a low cost. SOLUTION: The provider computer 10 receives a bank account related to the notice destination of the secret information from an applicant operation terminal 30 in the acceptance of an application to service from an applicant. The provider computer 10 asks payment processing to a bank system 20. The bank system 20 sets the payment destination as the bank account of the notice destination of the secret information, and performs the payment processing on the basis of payment data in which the secret information is described in a field for disclosing the description contents to the payment destination.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for notifying a notification destination of secret information such as a personal identification number that should be kept secret from others.

[0002]

2. Description of the Related Art With the rapid spread of various networks typified by the Internet, electronic commerce services, financial transaction services, etc. using them have been realized. When applying for use of such a network service, it is often confirmed (identification) whether or not the application applicant is an authentic person (identity). As a personal identification method,
Conventionally, the following methods have been implemented.

(1) When applying to use the personal identification service by mail, the use applicant inputs information specific to the person such as his / her own address and name. The service provider mails the "confidential information" given to the usage applicant to the destination designated by the usage applicant. Here, "secret information" means to the service provider
This information is necessary to confirm the authenticity of the user who provides the service. Further, it is information necessary for the user to receive the provision of the service, and is information that should be concealed from others (third party other than the user). Typical examples of such secret information include a personal identification number and a password. The applicant cannot receive confidential information unless he / she specifies the correct address (mailing address) when applying for service. Therefore, the service provider can confirm whether or not the use applicant is a genuine person by means of mailing the confidential information.

(2) When applying for the identity verification service using a credit card, the service provider must confirm the account number, name, and
Request the applicant to enter the expiration date. Then, the service provider confirms the existence and authenticity of the cardholder with the card company, and if the identity is obtained, the service provider sends confidential information to the user by e-mail or the like.

(3) Identity confirmation by electronic mail The confidential information is sent in a mail format to the electronic mail address designated by the applicant when applying.

[0006]

All of the above-mentioned conventional methods have advantages and disadvantages from the viewpoint of the time required for confirmation, cost, reliability of confirmation (authenticity), etc., and are used as means for transmitting secret information. It is hard to say that it is a totally superior method.

For example, the confirmation method by mail is superior to other confirmation methods in terms of authenticity and degree of popularization, but is inferior in terms of time and cost required for person identification.
Therefore, in general, it takes several days to a week from the application for use to the start of the service, although the advantage of the network service is the immediacy, which impairs the convenience of the user.

In addition, the credit card confirmation method has an advantage that it can be used by a large number of people because it takes a relatively short time to confirm the person and is widely used. However, on the other hand, since it is necessary to introduce a card terminal device, a communication device, and the like, there is a problem in terms of cost, and the card information of another person can be easily obtained, so that there is concern about authenticity. Further, under the present circumstances where illegal use of a card has become a social problem, sending and receiving card information via a network may cause user's anxiety.

Further, the electronic mail confirmation method is excellent in terms of time and cost required for personal identification, and is the most convenient at present when electronic mail is relatively widely used. However, on the other hand, there remains a problem regarding authenticity.

The present invention has been made in view of such circumstances, and an object thereof is to realize a novel method capable of safely, reliably and at low cost notifying secret information, which is information to be concealed to others. It is to be.

[0011]

In order to solve such a problem, a first invention is a bank system, an applicant operating terminal operated by a service use applicant, and a provider computer possessed by a service provider. Is connected via a network, and provides a confidential information notification processing method for notifying a subscriber of confidential information necessary for using the service. This notification processing method
When accepting a service application from a user,
It has a first step of receiving a bank account relating to a notification destination of confidential information from an applicant operation terminal, and a provider computer of a second step of requesting a transfer process from a bank system. The transfer process is performed based on the transfer data in which the transfer destination is the bank account of the notification destination of the confidential information, and the confidential information is described in the field disclosing the description content to the transfer destination.

In the first aspect of the invention, it is preferable that the field is a transfer requester name field or an EDI information field. In this field, secret information and information capable of specifying a transfer source are described. It is preferable.

Further, in the first invention, in the second step, the provider computer generates secret information to be given to each user, and the provider computer notifies the transfer destination of the secret information. It may include a step of generating transfer data in which the generated secret information is described in a field using the previous bank account, and a provider computer transmitting the transfer data to the bank system.

In the first aspect of the present invention, in the second step, the provider computer generates transfer data in which the transfer destination is a bank account to which the secret information is notified, and the provider computer uses a bank. The step of sending the transfer data to the system, the step of adding the secret information given to each user by the external system other than the provider computer, and the secret in the field in the transfer data received by the bank system from the provider computer. And a step of describing the information.

Further, in the first aspect of the invention, it is preferable that the transfer data describes a minimum transferable amount of money as a transfer amount.

A second aspect of the present invention provides a banking system which is connected to a provider computer of a service provider via a network and performs a transfer process in response to a request from the provider computer. This banking system
The transfer destination is the bank account of the notification destination of the confidential information, the communication means for receiving the transfer data in which the confidential information is described in the field disclosing the description information to the transfer destination from the provider computer, and the transfer based on the received transfer data It has a transfer processing means for performing processing.

A third aspect of the present invention provides a provider computer, which is connected to a bank system and an applicant operating terminal operated by an applicant of the service via a network, and which the service provider has. This provider's computer is
The first communication means for receiving a bank account relating to the notification destination of the confidential information from the applicant operation terminal, and the transfer destination is the bank account of the notification destination of the confidential information, and the contents are disclosed to the transfer destination in the field to disclose the secret. It has a generation means for generating the transfer data describing the information and a second communication means for transmitting the transfer data to the bank system and requesting the transfer processing.

Here, in the third invention, the provider computer may have a generating means for generating secret information to be given to each application applicant.

[0019]

BEST MODE FOR CARRYING OUT THE INVENTION (First Embodiment) The main feature of this embodiment is that the confidential information issued by the notification source is notified to the notification destination as part of the transfer information by utilizing the transfer procedure of the bank. There is a point to do. Here, the notification source is a service provider (service provider) that provides a predetermined service to the customer, and corresponds to the transfer requester in relation to the transfer procedure. Further, the notification destination is the person who has applied for the use of the service, and corresponds to the transfer destination in relation to the transfer procedure. Hereinafter, the most common personal identification number as secret information will be described as an example.

FIG. 1 is a schematic diagram of a secret information notifying system according to the second embodiment. This system includes a provider computer 10, a banking system 20, and an applicant operation terminal 30. These devices 10, 20,
30 is connected via a wired or wireless network (for example, the Internet).

The provider computer 10 is a computer owned by a person who provides a service to a user (service provider), and functions as a window for accepting a service application. The provider computer 10 may be owned by the provider itself, or may be owned by another business operator entrusted by the service provider. Further, the provider computer 10 has a function as a network server (for example, a WWW server), and accepts a usage application from a usage applicant via a homepage published by the service provider on the network. The registration process regarding the accepted usage application is performed in the provider computer 10.

The provider computer 10 is a CPU, RO
This is a general computer mainly composed of M, RAM, storage device (for example, HDD, etc.), communication device, etc., but has a personal identification number generating section 11. This security code generator 1
1 randomly generates a personal identification number to be given to each use applicant in the registration process related to the use application. The generation unit 11 may be realized by hardware by a dedicated device (logic circuit), or may be realized by software by installing the personal identification number generation program in the provider computer 10. .

The provider computer 10 also communicates information with the applicant operating terminal 30 and with the host computer 21 forming a part of the bank system 20 via a network. Specifically, in a series of processes from application for service use to notification of a personal identification number, the provider computer 10 communicates with the applicant operating terminal 30 the use application data described later. In addition, with the bank system 20, transfer data with a personal identification number, which will be described later, is transmitted. As this transfer data, data corresponding to the communication protocol of the financial institution is adopted. In Japan, the "JBA procedure" is established as a communication protocol with financial institutions. A communication program compatible with such a protocol is widely sold as middleware, and thus it may be used as it is. A program for creating transfer data is created as an application executed on this middleware, and these work closely in cooperation at the time of execution.

A storage application accessible by the provider computer 10 stores a usage application database 12 that centrally manages information related to service usage applications. FIG. 2 is an explanatory diagram of the usage application database 12. The database 12 is configured as a set of records associated with each individual usage application, and one record includes “member number”, “registration date”, “name”, “arbitrary ID”, “applicable service”. , "Account information", "contact information", "personal identification number", "processing status" and the like fields.

Here, the "membership number" is a serial number assigned to the service application applicant. The "registration date and time" describes the date and time when the service application is received, the "name" describes the name of the user, and the "arbitrary ID" describes a unique code for identifying each user. . The "applied service" describes the type of service and other information. The “account information” describes information that specifies a specific account, such as a specific financial institution name, branch name, deposit type, account number, and the like. In the “contact information”, information regarding the contact information of the user, such as a telephone number, an address, a zip code, an electronic mail address, etc., is described.
In “PIN code”, the PIN number issued by the PIN number generating unit 12 to the user is described. The personal identification number described in this field is used to identify the person when providing the service, and it is essential that the personal identification number entered by the user matches the personal identification number registered in the use application database 12. . "Processing status" is a field for managing what kind of notification status (status) the personal identification number issued for the accepted usage application item is currently in. For example, "transfer unrequested", "transfer requesting" , “Transfer completed” or “Notification completed” is described. The processing status described in this field changes from time to time in the process from application for service to completion of notification of the personal identification number.

On the other hand, the bank system 20 owned by the bank
Is basically composed of a host computer 21 and a large number of ATMs 22 (automatic teller machines) connected to the host computer 21 via a network. The host computer 21 includes a CPU, ROM, RA
This is a general computer mainly composed of an M, I / O interface, etc., and performs various processes necessary for performing banking operations, including a transfer process for notifying a personal identification number. The host computer 21 is provided with a communication device for communicating information with the provider computer 10 in addition to a communication device for communicating information with the ATM 22 connected by a dedicated line. .

The ATM 22 is a terminal for performing entry of a bankbook, inquiry of balance, deposit / withdrawal, etc., and is installed in many convenience stores, branch offices of banks, and the like. ATM22
Has a display screen and various operation buttons, and has a printing function for a bankbook and a cash depositing / withdrawing function. ATM2
The second user performs a predetermined operation according to the guide displayed on the display screen. As a result, the ATM 22 and the host computer 21 communicate with each other, and the processing result in the host computer 21 is reflected on the display screen of the ATM 22. The ATM 22 may be added not only with the function of displaying the current deposit balance but also with the function of displaying a list of past transaction history on the screen. In this case, the date on which the transaction was made, the name of the depositing / withdrawing person (the name of the transfer requester for the transfer), the transaction amount (the transfer amount for the transfer)
In addition to the balance of deposit, it is preferable to display EDI information described later.

The bank system 20 is an institution established directly with or jointly with another financial institution system (in Japan, a national bank data communication system (zengin system). )) Indirectly,
It is connected. Further, between the provider computer 10 and the bank system 20, an institution established jointly with another financial institution (for example, a joint center system CMS (Cash Manage)
ment service). As a result, it is possible to make a transfer to the account of another financial institution or make a balance inquiry from any system. It should be noted that data formats and communication protocols necessary for requesting financial transactions are standardized by a plurality of financial institutions.

The applicant operating terminal 30 is a terminal through which a person who wants to apply for the service inputs information necessary for the application. As such an operation terminal 30, a personal computer (PC) having a network environment
However, other than this, a mobile phone, a portable information device (PDA), a home game machine, or the like may be used. The usage applicant operates his / her own operation terminal 30 to access the homepage published by the service provider on the network. Then, by entering the required information on the application reception screen described later,
Apply for a service provider.

FIG. 3 is a flowchart showing a series of procedures from application for service use to notification of a personal identification number.
First, in step 1, the use applicant makes a service use application to the service provider. This usage application is performed on the service usage application acceptance screen shown in FIG. 4, for example. This reception screen is used to enter the name of the person applying for the service, the contact input fields (phone number, e-mail address, address), the type of service type to be applied this time, and when using the service. A user-specific ID (arbitrary ID) input field and account information input field are provided. Here, the "account information" is information necessary for the application applicant to specify the account opened in the bank, and includes, for example, a financial institution name, a branch name, a deposit type, an account number, and the like. The transfer destination uniquely specified by this account information corresponds to the notification destination of the personal identification number issued by the service provider.

The application applicant clicks the send button after entering his information in all the input fields on the reception screen.
As a result, the applicant operating terminal 30 requests the provider computer 10 to use the service and transmits the usage application data. The usage application data is a set of information entered in each entry field on the reception screen. Then, the description content of the new record and the content of the transfer data to be added to the usage application database 12, which will be described later, are determined based on the usage application data. Although the reason will be described later, the transfer amount is forcibly set to the minimum amount (for example, 1 yen) at which the transfer transaction can be performed.

In step 2, the provider computer 10 that has received the service use application accesses the use application database 12 and records about the current use application (record to be processed, hereinafter referred to as "target record"). Is newly added. In each field of the target record, of the received usage application data,
Corresponding contents are described. At this reception stage, the “processing status” of the target record is “transfer unrequested”.

When the usage application is made by telephone or mail from the usage applicant, the person in charge on the service provider side carries out a new registration procedure by manual processing and uses the new record relating to this usage application. Add to the application database 12.

In the following step 3, the provider computer 10 generates a personal identification number for this use applicant. As described above, the personal identification number is randomly generated by the personal identification number generator 11. The generated PIN is
It is described in the "password" field of the target record newly generated in step 2 above.

In step 4, the provider computer 10 generates the transfer data necessary for the transfer request to the bank system 20. FIG. 5 is a schematic explanatory diagram of transfer data. This transfer data includes “processing content”, “transfer destination information”, “transfer amount”, “transfer source information” and “E”.
It is mainly composed of "DI information". When making a transfer for a PIN code notification, the "processing content" is a transfer, and the "transfer destination information" is information that identifies the account of the transfer destination (password notification destination), specifically, a financial institution name, The branch name, deposit type, account number, etc. When the personal identification number is transmitted by the transfer procedure, the account information included in the use application data received from the applicant operating terminal 30 is used as it is as the “transfer destination information” of the transfer data.

Originally, the "transfer amount information" can be arbitrarily set on the transfer source side, but in the transfer for the secret code number notification, the minimum transfer amount (for example, 1 Yen) is forced to be set. Since it is a transfer for notifying the personal identification number, it is not desirable to increase the transfer amount, and it is rather undesirable because it causes an increase in cost. "Transfer source information" is information that identifies the transfer source, "withdrawal account information" (financial institution name, branch name, deposit type, account number), "transfer requester name", "contact information" that identifies the withdrawal account. Destination ”(phone number) and so on.

In the transfer data for notifying the personal identification number, (1) information that can identify the service provider or the encryption issuer (for example, the name, abbreviation, symbol, etc. of the person), and (2) the personal identification number to be notified. Combined with the number, in other words, (1),
The character string obtained by concatenating (2) is the "transfer requester name". In the example of “Sanwa 1234567” shown in “Transfer requester name” in FIG. 5, “Sanwa” in the first half is the name of the service provider, and “1234567” in the latter half is the secret code generated by the secret code generation unit 11. Means a number. In this way, the transfer data is
The personal identification number (and information that can identify the service provider) is added as part of the transfer information notified to the transfer destination.

It should be noted that the character string (for example, "Sanwa 1234567") obtained by concatenating the above (1) and (2) is not the "transfer requester name" but the
If the transfer source can arbitrarily set the content and the content is a field disclosed to the transfer destination, it is possible to use a field other than the “transfer requester name”. As another example of such a field, "EDI information" can be used. The EDI information is information (field) whose contents can be freely set by the user (transfer source side) for the convenience of the transfer source and the transfer destination. It is assumed that this EDI information describes, for example, information for matching bank transfer and transactions between parties, for example, a billing number of a bill sent by a billing source (seller) to a billing destination (buyer). However, the matching key is standardized. However, it is left to the discretion of the user (transfer source and transfer destination) whether or not to add the EDI information to the transfer.
Banks are not involved. Due to the bank processing, the personal identification number described in the "EDI information" is directly transmitted to the transfer destination.

Such transfer data is generated according to a predetermined standardized format. In financial institutions such as banks, online systems are established between the financial institutions, and data formats, communication protocols, etc. are standardized. In Japan, a national bank data communication system (so-called Zengin System) is established between each financial institution. The data format is also defined as the "JBA established format" created by the Japan Bankers Association. In this Zenginkyo format, the above-mentioned "EDI information" is 2
EDI information is composed of 0-digit information (matching key).

In step 5, the provider computer 10 transmits the transfer data including the above-mentioned personal identification number in the “transfer requester name” or the “EDI information” to the host computer 21 of the bank system 20 to transfer the transfer transaction. Request the transfer of the minimum amount of money (for example, 1 yen). With the transfer request to the bank system 20, the “processing status” of the target record in the usage application database 12 is changed from “transfer not requested” to “transfer requested”.

In step 6, the host computer 21 that has received the transfer transaction request executes the transfer process.
The transfer request (transfer data) can be sent to the EB system (or
Via the CMS) to the bank of the applicant. As a result, the above minimum amount is transferred to the transfer destination (notification destination) account.

In the following step 7, the host computer 21 notifies the provider computer 10 that the transfer process has been completed. In response to this, the provider computer 10 records "processing status" of the target record in the usage application database 12 from "transfer requested" to "transferred" in order to record that the notification of the personal identification number is completed.
Change to.

Finally, in step 8, the personal identification number is confirmed by the transfer destination, which is the destination of the personal identification number.
Actually, the application applicant fills in a bankbook at the nearest ATM 22 at an appropriate time,
The details of this transfer (amount, name of transfer source, etc.) will be confirmed. Further, when the ATM 22 itself has a function of displaying the transaction history on the screen, it is possible to confirm the transfer contents on the screen without making a passbook entry.

FIG. 6 is a diagram showing an example of a deposit passbook description. As the "transaction details" regarding the deposit amount of 1 yen, "Sanwa 12345"
67 ”, that is, a set of information that can identify the service provider and a personal identification number. Note that depending on the format of the passbook, the name of the transfer requester is the amount of withdrawal at the time of withdrawal. May be described in the column that describes the transaction, the column that describes the transaction details, or the description column. The personal identification number can be known, and even if a large number of transactions are written in the passbook due to frequent transactions, the transfer destination, who is the notification source, can easily obtain the personal identification number. This is because the transaction amount related to the notification is an extremely low amount that can hardly occur in normal transactions, and such transactions can be seen at a glance. Each time you use this PIN By entering a, it is possible to receive the service as a genuine user.

FIG. 7 is a diagram showing another example of the description of a bankbook, in which the EDI information in the transfer data is "Sanwa 1234567".
It is an example of description in case of. Information that identifies the transfer source “”
Sanwa is described in the upper row, and the security code “1234567” is described in the lower row that describes the EDI information in the bankbook.

As described above, in this embodiment, the personal identification number, which is one form of secret information issued by the service provider, is
It is described in "transfer requester name", "EDI information", etc., and transmitted to the notification destination as a part of the transfer information. In the present embodiment, “transfer requester name” and “EDI information” are fields disclosed to the transfer destination, and the person who receives the notification of the personal identification number records the contents described in this field in a passbook. Alternatively, it can be browsed through the display screen of the ATM 22. Thereby, the bank transfer procedure can be used as a means for notifying the personal identification number. For the service provider, the personal identification number can be notified to the notification destination via the bank transfer procedure, safely, reliably, quickly and at low cost.

Further, the use applicant can obtain secret information such as a personal identification number easily, quickly and while maintaining confidentiality by confirming the contents of the passbook or the screen display of the ATM 22. To confirm the payment details,
Since it is possible by using a passbook entry in ATM22,
Anyone can use it.

In particular, it is preferable that the secret information that should be kept secret from others is entered in the bankbook as a storage form. As a method of storing the secret information, a case in which a file in which the secret information is written is stored in the information processing device can be considered. However, this method requires you to manage the file so that others cannot see it,
There is a possibility that the file will be destroyed by a virus or the like. In particular, as the constant connection is becoming widespread, the risk of destroying such valuable data by a virus is increasing. Also, a method of printing out and storing the confidential information is conceivable, but it is easy to handle and may be accidentally discarded. On the other hand, a bankbook is recognized as an important document by anyone, and generally, it is hidden and stored in the safest place, and therefore has excellent storability and confidentiality.

In the above-described embodiment, the information for identifying the service provider and the personal identification number are directly combined, but a hyphen or space may be provided between the two. By using such a delimiter, the part corresponding to the personal identification number can be accurately grasped.

Further, the description / display mode of the personal identification number is not limited to the combination of the personal identification number with the information that can identify the service provider, and the personal identification number can be part of the transfer information. Any form may be used. For example,
It may be a combination with information indicating the type of electronic service to be provided (for example, the name of the electronic service),
Other secret data, important data, etc. may be added. Further, only the personal identification number may be added.

Further, although the above-described embodiment has been described by taking the personal identification number as an example, the present invention is not limited to this and can be similarly applied to various kinds of secret information.
Further, the secret information may be in the form of notifying all the notification destinations of common contents (same contents). For example, in recent years, a CD containing a large amount of software in a prohibited state may be distributed. This prohibition of use may be released, and a release key (a fixed character code string, a different character code string depending on the registered user's name, etc.) for accessing the content (a form of service) may be notified. When the same release key is provided to all users, the above-mentioned personal identification number generation section 11 is unnecessary.

Furthermore, the confirmation of the personal identification number by the notification destination is as follows:
Besides using the ATM 22, the service may be performed at home or on the road by using services such as telephone banking and farm banking.

(Second Embodiment) In this embodiment, confidential information is generated on the bank side and is notified to the notification destination as a part of the transfer information.

FIG. 8 is a schematic diagram of a secret information notifying system according to the second embodiment. The provider computer 10 does not have a personal identification number generating function, and instead, a personal identification number generating unit 23 is provided on the bank system 20 side. The personal identification number generating unit 23 itself functions similarly to the personal identification number generating unit 11 described in the first embodiment. The personal identification number generated at the bank is added to the “transfer requester name” or “EDI information” in the transfer data (without adding the personal identification number) sent from the provider computer 10 (blank before addition). . This personal identification number is transmitted to the provider computer 10 and is written in the “personal identification number” of the usage application database 12. Since the other constituent blocks are the same as those in the first embodiment, the same reference numerals as those in FIG. 1 are given and the description thereof is omitted here.

In the present embodiment, the provider computer 10
There is no need to generate a PIN at. Therefore, it is possible to use software that is normally commercially available for transfer and the like, and it is possible to improve the convenience of the service provider.

The generation of the personal identification number or the like may be performed by a service provider or an organization other than the bank. However, it is necessary to notify the service provider of the generated personal identification number.

[0057]

As described above, in the present invention, the bank transfer is used to notify the confidential information. As for the confidential information, a part of the transfer information, in other words, the confidential information is described in a certain field in the transfer data that discloses the description content to the transfer destination. As a result, the person who receives the notification of the confidential information, which is the transfer destination, can know the confidential information through the passbook or the display screen of the ATM. As a result, a safe, reliable, and low cost secret information notification scheme can be realized.

[Brief description of drawings]

FIG. 1 is a schematic diagram of a secret information notification system according to a first embodiment.

[Figure 2] Illustration of the usage application database

FIG. 3 is a flowchart showing a procedure for notifying secret information.

[Fig. 4] Display example of the reception screen for service application

FIG. 5 is a schematic explanatory diagram of transfer data.

FIG. 6 is a diagram showing an example of description of a bankbook.

FIG. 7 is a diagram showing another example of description in a bankbook.

FIG. 8 is a configuration diagram of a confidential information notification system according to a second embodiment.

[Explanation of symbols]

10 Provider computer 11 PIN code generator 12 Usage application database 20 banking system 21 Host computer 22 ATM 30 Applicant operation terminal

Claims (9)

[Claims] 1. A bank system, an applicant operating terminal operated by a service applicant, and a provider computer of a service provider are connected via a network, and a secret required for using the service. In the confidential information notification processing method for notifying information to a subscriber, when a provider computer receives a service application from a subscriber, the bank account associated with the recipient of the confidential information is sent to the subscriber operating terminal. The first step of receiving more information and the second step of the provider computer requesting the bank system to perform the transfer process. In the transfer process, the transfer destination is a bank account to which confidential information is notified, and the transfer is performed. A method for processing notification of confidential information, which is performed based on transfer data in which confidential information is described in a field for disclosing the description content to the former. 2. The confidential information notification processing method according to claim 1, wherein the field is a transfer requester name field or an EDI information field. 3. The confidential information notification processing method according to claim 2, wherein secret information and information capable of specifying a transfer source are described in the field. 4. The second step is a step in which a provider computer generates secret information to be given to each use applicant, and the provider computer sets a transfer destination to a bank account to which secret information is notified, 2. The method according to claim 1, further comprising: a step of generating transfer data in which the generated confidential information is described in the field, and a step of transmitting the transfer data to a bank system by a provider computer.
The method for processing notification of confidential information described in any one of 3 to 3. 5. The second step is a step in which a provider computer generates transfer data in which a transfer destination is a bank account to which confidential information is notified, and the provider computer stores the transfer data in a bank system. The step of transmitting, the step of adding the confidential information given to each user by the external system other than the provider computer, and the step of the bank system describing the confidential information in the field in the transfer data received from the provider computer. 4. The method for processing notification of confidential information according to claim 1, further comprising a step. 6. The confidential information according to any one of claims 1 to 5, wherein the transfer data describes a minimum transferable amount of money as a transfer amount. Notification handling method. 7. A bank system, which is connected to a provider computer of a service provider via a network, and performs a transfer process in response to a request from the provider computer. A bank account, communication means for receiving transfer data in which confidential information is described in the field for disclosing the contents to the transfer destination from the provider computer, and transfer processing means for performing transfer processing based on the received transfer data. A banking system characterized by having. 8. A banking system and a service provider's computer, which is connected via a network to a client operating terminal operated by a service user, when the service provider applies for the service. , A first communication means for receiving a bank account relating to the notification destination of the confidential information from the applicant operation terminal, and a transfer destination is the bank account of the notification destination of the confidential information, and a description field is disclosed to the transfer destination. A provider computer, comprising: a generation unit that generates transfer data describing secret information; and a second communication unit that transmits the transfer data to a bank system and requests a transfer process. 9. The provider computer according to claim 8, further comprising generating means for generating secret information to be given to each usage applicant.