JP2003187154A - Confirmation method of address information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To rewrite the address information for customers stored by a financial institute or the like to new information by comparing it with the latest address information stored in a resident register by use of a network. <P>SOLUTION: A company terminal delivers information for confirming address information to a customer terminal registered in a customer information database connected to the company terminal through the network, accesses the resident information database of a public organization terminal with the changed address information recovered from the customer terminal, and compares the changed address information recovered from the customer with the resident information registered in the resident information database. When the answer of conformation is consequently obtained, the company terminal changes the address information registered in the customer database to the changed address information collected from the customer. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for confirming destination information, and more specifically, in an industry that is obliged to notify the customer in writing of the notification information, periodically investigates the destination, which is the contact information of the customer, Regarding how to keep up to date. The "address information" of the present invention means at least "name",
Information including any one of "address", "whereabouts", and "e-mail address", or a combination thereof.

[0002]

2. Description of the Related Art Regarding the method of grasping customer's destination information,
For example, JP-A-10-11193 and JP-A-10-
No. 171896, Japanese Patent Application Laid-Open No. 10-207970 and the like. The technology disclosed in Japanese Patent Laid-Open No. 10-11193 is an automatic teller machine (AT) of a financial institution.
If the customer needs to change the address or telephone number registered in the account information file using M) or the automated teller machine (CD), the customer himself operates the terminal device to operate the customer. It changes the above information in the file. Also,
The technique disclosed in Japanese Patent Laid-Open No. 10-171896 has a management device installed in an institution such as a joint center managed by a bank or another financial institution to store customer information including addressee information of a customer, It responds to inquiries with the customer's permission. Further, the technology disclosed in Japanese Patent Laid-Open No. 10-207970 allows the customer to operate the operation key of the bank terminal when the address or telephone number registered in the bank account information file needs to be changed. By accessing the ledger and entering the resident number, the customer's file written in the resident's ledger is opened, and the destination information written there is copied to change the destination information in the bank's customer file. .

[0003]

DISCLOSURE OF THE INVENTION Problems to be Solved by the Invention
There is a problem that the format of the destination file of a financial institution is different from the format of the resident register, so it is not easy to correct the information.Because an individual can directly access the destination information of the local government, the person who impersonated There was a problem that the destination information of P.

[0004]

In order to solve the above-mentioned problems, the invention of claim 1 of the method of confirming the destination information of the present invention is a method of confirming the change status of the destination information of a customer using a network. That is, the company terminal delivers the information for confirming the destination information to the customer terminal registered in the customer information database connected to the company terminal via the network, and the changed destination information collected from the customer terminal With access to the resident information database of the public institution terminal, the changed address information collected from the customer and the resident information registered in the resident information database are compared, and as a result, if a coincident answer is obtained, The company terminal is characterized in that the destination information registered in the customer information database is changed to the changed destination information collected from the customer.

The invention described in claim 2 is characterized in that, in the invention described in claim 1, the resident information to be compared with the changed destination information is searched by the resident number of the customer provided by the company terminal. It is what

According to a third aspect of the invention, in the invention according to the first and second aspects, the result of comparing the changed address information collected from the customer with the resident information is returned from the public institution terminal to the company terminal. In the case of doing, it is characterized in that only the result of agreement or inconsistency is answered.

According to a fourth aspect of the invention, in the invention according to any one of the first to third aspects, the information distributed from the company terminal and received by the customer terminal is stored in the customer IC card issued by the company terminal side. Decrypted by the key
The changed destination information transmitted from the customer terminal to the company terminal is characterized by being encrypted by the key.

According to a fifth aspect of the invention, in the invention according to any one of the first to fourth aspects, the changed destination information transmitted from the customer terminal to the company terminal is based on a predetermined format designated by the company terminal. It is characterized by being described information. It is a thing.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of a method of confirming destination information of the present invention will be described below with reference to the drawings.

FIG. 1 is a diagram for explaining a device configuration of a method of confirming destination information according to the present invention, and FIG.
The figure for demonstrating the customer information stored in the information recording part of C card, FIG. 3 is an example of the email transmitted from the company terminal to the customer terminal, FIG. 4 is an example of the destination change input screen, FIG. FIG. 5 is a diagram for explaining the destination information correction work procedure of the customer information database on the company side, FIG.
FIG. 4 is a diagram for explaining the inside of an IC chip of an IC card.

A method of confirming the destination information according to the present invention will be described with reference to FIG. A customer terminal 3, a company terminal 5 and a public institution terminal 7 are connected to the net 4. The IC card read / write device 2 is connected to the customer terminal 3,
An IC card 1 having an IC chip mounted thereon is connected to the C card reading / writing device 2. The IC card read / write device 2 may be incorporated in the main body of the customer terminal 3 or the keyboard, and in the case of a notebook type terminal, the IC card 1 can be mounted from the PCMCIA card insertion slot.

A customer information database storage 6 is connected to the company terminal 5 and stores information about customers. In this embodiment, a company is a financial institution, and concretely, a bank, a credit union, an insurance company and the like (hereinafter, simply referred to as a financial institution) will be described as an example. Most of the clients of financial institutions are depositors, and the majority of them are individual depositors. With the revision of the deposit insurance system, "name identification" will be carried out in order to calculate the refund amount for depositors' deposits when a financial institution fails, and the newest address of the depositor is known. , In the event of an urgent notice, the document must be delivered to the present address accurately and promptly. Therefore, it is necessary for the financial institution to constantly check and grasp the latest destination information among the depositor's data stored in the depositor's information database. To this end, the present invention seeks to check the change of the destination (name, address, etc.) of a customer who has at least a customer terminal and uses the Internet.

On the other hand, when the resident changes his / her address, he / she has to submit a transfer notice to the municipality under his / her jurisdiction. Therefore, it is the government office (public institution) of the jurisdiction who knows the latest destination information.
Is. These resident information are made into a database and stored in the resident information database storage 8 of the public institution terminal.

Referring to FIG. 2, I of a customer card (for example, a cash card of a financial institution) equipped with an IC chip
An example of the contents recorded on the C chip will be described. Information 110 related to financial institution transactions is recorded in the information storage of the IC chip. As shown in Fig. 2, financial institution code such as financial institution code and branch code +
Store code 111, account number 112 set for each subject,
If deposit is named, subject 113, category 1
14, issue date of card 115, customer name 116, date of birth 117, gender 118, customer address, 1
19, a home telephone number 120, a resident number 121, a personal identification number 122, an encryption / decryption key 123 and the like are recorded. However, depending on the financial institution, the customer name, date of birth, gender, customer address, and home telephone number may not be recorded. The face of the card has the financial institution code, branch number,
The account number, name, etc. are embossed or printed.
The customer's card (cash card) has the logo of the financial institution that issued it, a design that identifies it as a cash card, etc. printed on the surface. On the back of the card, notes for using the card, contact addresses, telephone numbers, symbols and numbers related to card manufacturing are printed. The features of the IC card will be explained with reference to FIG.
It is also possible to lock some or all of the information recorded by the OM so that it cannot be read out.
The personal identification number and the decryption / encryption key may not be read out, but may be collated inside the IC chip and only the result of whether or not they match may be output. Also, by connecting to a personal computer (customer terminal), the received encrypted information can be decrypted by the key stored in the IC chip, and the information to be returned can be encrypted and transmitted, and communication is performed. Information security can be improved.

A company, for example, a financial institution, posts a homepage on the Internet, and the homepage provides information for investment members such as individual customers who have individual accounts, corporate members who have corporate accounts, shareholders, etc. To send. On the screen, it is possible to see new information for individual customers, solicitation of new customers, information by product handled, campaign information, introduction of consultation counter, etc. When the address etc. is changed to the customer, a guide advertisement is posted so that the customer can be informed and contacted on a predetermined screen.

On the other hand, a customer who is working to register an e-mail address and is requested to report his / her current address and name by e-mail will send the destination information by e-mail on the Internet. There is. An email as shown in FIG. 3 is delivered regularly. There was a greeting in the e-mail 50, saying that a new kind of deposit was made,
Advertising texts such as interest rate changes are described, and a contact request statement 51 of the destination is attached. In the address contact request sentence 51, it is written that the customer whose name, address, telephone number, etc. have been changed fills out a predetermined form, and a cash card (IC) issued by a financial institution in order to protect the privacy of the customer. Card) is attached to the customer terminal. A public key corresponding to the public key cryptosystem is stored in the IC card, and is used for decrypting the encrypted redirection notice sheet transmitted from the financial institution. The public key described above is used as an encryption key when the change contents are filled in on the destination change notification sheet and transmitted to the financial institution.
U attached to the end of the e-mail with the IC card attached
RL (Uniform Resource Locato)
r), http: // www. xyzbank. co.
When you click jp / atesakihenkou, you will see the destination change notification form 53 in the format shown in FIG.
Changes to the screen.

The address change delivery form 53 has an electronic form function, and the contents entered in this format conform to the customer information recording format registered and stored in the customer information database of the financial institution. Also, it conforms to the information recording format of the public information database of public institutions.

The first entry field of the address change report form 53 is
This is the customer ID 54. The customer ID corresponds to the account number, and the 6-digit account number described in FIG. 2 is entered. Customer name 55
Enter the name in the account registration name. In the name change column, for example, when the family name changes due to marriage, or when the name is changed. If there is a change, the check column 59 is checked. The resident number is the number given by the government office, and the 11-digit number described in FIG. 2 is entered. When changing the address, both the old address and the new changed address are to be entered. After completing the new address column, put a check mark in the new address column. After confirming the changed item and if there is no corrected portion, the registration button 58 is clicked. When the registration button is clicked, the destination information on the screen is encrypted with the above encryption key and transmitted to the financial institution.

The electronic mail from the customer whose destination information has been changed is received by the company terminal (hereinafter referred to as the financial institution terminal in this embodiment), and the customer information database is corrected. The destination information correction work procedure of the customer information database will be described with reference to FIG. As described with reference to FIGS. 3 and 4, the financial institution requests the customer for a destination change report using electronic mail (S201). The financial institution terminal receives the encrypted destination change information from the customer terminal (S202). The financial institution terminal transmits the changed destination information to the public institution terminal for confirmation (S203).
The public institution terminal searches for the destination information registered in the inhabitant information database of the public institution using the resident number received from the financial institution terminal as a key, and registers the address information received from the financial institution terminal and the inhabitant information database. Check the address information of the existing customer. The public institution terminal transmits the result of matching or non-matching to the financial institution terminal. The financial institution terminal receives the verification result from the public institution terminal (S204). The public institution terminal reports only the result of the collation to the financial institution as described above because the policy is not to disclose the information stored in the inhabitant information database to the outside in order to protect the privacy of the inhabitants. In order to enable this, the destination information reported by the customer must match the format recorded in the public information database of the public institution, therefore, as mentioned above, the form of FIG. It is in the form of an electronic form. When the financial institution terminal receives the matching result, the financial institution terminal rewrites the destination information registered in the customer information database with the new destination information received from the customer (S205). If you receive a mismatch result,
The request for reporting the destination information by e-mail described in FIG. 3 is continued for the customer.

The IC chip mounted on the cash card will be described with reference to FIG. An IC card is attached to the IC card reading / writing device 2 connected to the customer terminal 3. An IC module is mounted on the cash card, and external connection terminals are exposed on the surface of the card. The external connection terminal and the connection terminal of the IC chip are connected by a wire, and the external connection terminal and the IC card read / write device 2 are connected by a contact. Electric power is supplied to the IC chip 10 from the customer terminal via the external connection terminal. IC
CPU 1 via the interface circuit section 101 of the chip
Power is supplied to 04. The CPU 104 partially processes the information received from the customer terminal 3 in the RAM 103 according to the program stored in the ROM 105, and the necessary information is EE.
It is recorded in the PROM 102 and stored. The stored result is CP
It is reported to the customer terminal 3 from U104.

When the customer terminal 3 receives an e-mail from the financial institution terminal via the provider via the Internet and attaches the cash card to the IC card reading / writing device 2 according to the instruction of the e-mail screen, the customer terminal 3 encrypts The electronic form is received. When the customer terminal 3 sends the encrypted electronic form information to the cash card, the CPU of the IC chip mounted on the cash card
104 decrypts the electronic form information received with the public key stored in the EEPROM 102 and transmits (replies) to the customer terminal. The electronic form decrypted and transmitted is shown in FIG.
It is displayed on the display unit of the customer terminal 3 in a format as shown in FIG. When new destination information is input by the input unit of the customer terminal 3 and the registration button of the electronic form is pressed, the customer terminal transmits the input information, that is, customer name, old address, and new address data to the cash card. The cash card encrypts the input information with the encryption key stored in the IC chip and transmits (replies) to the customer terminal 3. When the customer name, old address, and new address data are encrypted and transmitted to the customer terminal, the customer I stored in the cash card is
D and the resident number may be encrypted together and transmitted to the customer terminal. The customer terminal sends the encrypted destination information to the financial institution terminal. As described above, usually, the encryption work is performed in the IC chip of the cash card, and the encryption key never goes out of the IC chip. The EEPROM
Various information as described with reference to FIG. 2 is stored in 102, and is read out in response to a request from the customer terminal 3.

[0022]

As described above, according to the present invention, the destination information of a customer stored in a financial institution such as a bank is always updated to the latest information, and electronic mail delivery is automatically performed at a time when communication costs are low. Since it can be performed, the cost for researching the destination information can be reduced. Further, by using an IC card which is a cash card, important destination information can be safely transmitted and received in an encrypted state. In addition, by collating with the information stored in the resident information database of the public institution in a safe state, it is possible to improve the accuracy of the survey result of the destination information. Furthermore, the destination information is
It does not compromise the privacy of the customer as it is collated within the public institution and only the result is answered.

[Brief description of drawings]

FIG. 1 is a diagram for explaining a device configuration of a method for confirming destination information according to the present invention.

FIG. 2 is a diagram for explaining customer information stored in an information recording unit of a customer's IC card.

[Fig. 3] Example of e-mail sent from a company terminal to a customer terminal

[Fig. 4] Example of destination change input screen

FIG. 5 is a diagram for explaining a destination information correction work procedure of the customer information database.

FIG. 6 is a diagram for explaining the inside of an IC chip of an IC card.

[Explanation of symbols]

1 IC card (cash card) 2 IC card read / write device 3 Customer terminal (customer terminal) 4 Net 5 Corporate terminal (financial institution terminal) 6 Customer information database storage 7 Public institution terminal 8 Resident information database storage 10 IC chip 50 E-mail screen 51 E-mail document 52 URL (UniformResourceLo)
53) input screen for changing destination 54 customer ID input field 55 customer name input field 56 old address input field 57 new address input field 58 registration button 59 check field 101 interface 102 EEPROM 103 RAM 104 CPU 105 ROM

Claims (5)

[Claims] 1. A method for confirming a change status of customer's destination information using a network, wherein the company terminal is a customer terminal registered in a customer information database connected to the company terminal via the network. In contrast, the information for confirming the destination information is distributed, the resident information database of the public institution terminal is accessed along with the changed destination information collected from the customer terminal, and the changed destination information collected from the customer and the resident information database are accessed. When the registered resident information is compared, and as a result, a consensus answer is obtained,
The method for confirming destination information, wherein the company terminal changes the destination information registered in the customer information database to the changed destination information collected from the customer. 2. The method for confirming destination information according to claim 1, wherein the resident information to be compared with the changed destination information is searched by a customer resident number provided by a company terminal. 3. In claim 1, when the result of comparing the changed address information collected from the customer with the resident information is returned from the public institution terminal to the company terminal, only the result of matching or non-matching is returned. A method for confirming destination information, which is characterized in that 4. The information distributed from the company terminal according to any one of claims 1 to 3 and received by the customer terminal is decrypted by a key stored in a customer IC card issued by the company terminal side, and the customer terminal sends the company information. The method of confirming destination information, wherein the changed destination information transmitted to the terminal is encrypted by the key. 5. The change destination information transmitted from the customer terminal to the company terminal according to any one of claims 1 to 4, is information described based on a predetermined format specified by the company terminal. How to check the destination information.