JP2004078383A - System for system integration - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a technology for making a system formed by the integration of a plurality of existing systems apparently look like a new system which takes over the functions the existing systems have. <P>SOLUTION: An aggregation center 1 integrates the net banking systems 4a, 4b and 4c of a pre-merged banks. The aggregation center 1 receives user identification information and a request for a service from a user's terminal. When the user is a client of the pre-merged bank A and makes an application for a housing loan service which is provided by a pre-merged bank B, the aggregation center 1 obtains the personal information from the system of the pre-merged bank A based on the user identification information, generates a script for opening an account and making an application for the housing loan, and transmits the script to the net banking system 4b of the pre-merged bank B. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a technology for integrating systems, and more particularly, to a technology for integrating a plurality of independent systems and apparently operating as one system.
[0002]
BACKGROUND OF THE INVENTION
When a company such as a bank merges, it is necessary to integrate the systems used by the companies before the merger into one. There are various methods of system integration such as a method of discarding the old system and recreating it completely, or a method of connecting the same with a relay computer while preserving the old system.
[0003]
For example, when integrating a system that accepts direct access from many end users via the Internet (for example, a net banking system), the old system is not used as it is.
[0004]
An object of the present invention is to provide a technique for integrating a plurality of existing systems.
[0005]
Another object of the present invention is to provide a technique for integrating a plurality of existing systems so as to make the new system seem to inherit the functions of the existing system.
[0006]
[Means for Solving the Problems]
A system according to one embodiment of the present invention is a system for integrating first and second systems, wherein: a means for receiving user identification information and a service request; and Means for acquiring the personal information of the user from the first system, and means for generating electronic information including the acquired personal information of the user and the service request and transmitting the electronic information to the second system.
[0007]
A system according to one embodiment of the present invention is a system for integrating a first and a second banking system, comprising: means for receiving electronic information of a service application; Means for determining whether the customer who has applied for the first bank has an account at the first bank or the second bank; and as a result of the determination, when the customer has an account at the second bank, Means for generating electronic information for subscribing to the bank service and transmitting the generated electronic information to the second bank system.
[0008]
In a preferred embodiment, when the result of the determination is that the customer has an account at a first bank and does not have an account at a second bank, the first banking system provides the customer with an account for the service. Means for acquiring personal information, and means for generating electronic information for opening an account including the personal information and transmitting the electronic information to a second bank system in order to open the account of the customer at a second bank. Prepare.
[0009]
In a preferred embodiment, the means for acquiring the personal information acquires the personal information from the first bank system by a scraping process.
[0010]
In a preferred embodiment, the electronic information is described in HTML (Hyper Text Markup Language).
[0011]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an aggregation system that aggregates and provides information of a plurality of Web sites according to an embodiment to which the present invention is applied will be described with reference to the drawings.
[0012]
This embodiment is for a case where a plurality of old banks establish a new bank or a new group through merger or business integration, etc., and when it is necessary to integrate the systems, the old bank systems are directly combined using the aggregation technology. An example will be described. That is, in the present embodiment, the aggregation center 1 virtually operates as a system of the new bank after the merger. That is, the aggregation center 1 receives a request for a new bank from a user, and operates each of the net banking systems 4 of the old bank using the aggregation technology. This makes it appear to the user that the net banking system of the new bank is operating.
[0013]
This system has an aggregation center 1, a user terminal 2, and a net banking system 4 (4a, 4b, 4c) of an old bank. The aggregation center 1, the user terminal 2, and each net banking system 4 are connected to the Internet. , Or via a network 9 such as a dedicated line.
[0014]
In the present embodiment, the user terminal 2 is replaced with a general-purpose personal computer or the like, a mobile phone, a portable personal computer or a PDA (Personal Data Assistant), or another communication device having equivalent functions to realize the present system. You can also.
[0015]
The aggregation center 1 is configured by, for example, a general-purpose computer system, and the individual components or functions described below are realized, for example, by executing a computer program.
[0016]
The aggregation center 1 includes a scraping processing unit 11 that obtains predetermined content from another Web site or the like connected to the network 9, a normalization processing unit 12 that normalizes the content obtained by the scraping processing unit 11, User information storage unit 13 for storing personal information and normalized contents, a plurality of web pages 14 for providing information to the user or receiving information input from the user, and starting each of the net banking systems 4 And a processing engine 15 for executing predetermined processing such as opening an account or applying for a service.
[0017]
For example, as shown in FIG. 2, the user information storage unit 13 stores registration information 20 of each user registered in advance and aggregation information 30 of each user collected by scraping.
[0018]
The registration information 20 includes information necessary for accessing the acquisition source system of the data to be aggregated. The data items include, for example, a user ID 21 for uniquely identifying a user in the aggregation center 1, a password 22 in the aggregation center 1, and a plurality of registered account information 23. The registered account information 23 includes, for example, a bank code 231, a branch code 232, an account type 233, an account number 234, and a password 235 of the net banking system. Here, as the registered account information, the bank code, branch code, etc. of the old bank are used as they are.
[0019]
The aggregation information 30 stores data collected from each Web site for each user ID. The aggregation information 30 is updated as needed. In the present embodiment, for example, personal information of a user, information on a mortgage, and the like are temporarily stored.
[0020]
The scraping processing unit 11 acquires the registered account information 23 registered in the user information storage unit 13, logs in to the net banking system 4 of each bank based on the acquired account information 23, and stores the balance of each account and the user's personal information. Get information. For example, the scraping processing unit 11 generates a script file for acquiring desired information such as an account balance from the net banking system 4 of each bank. In the present embodiment, the script is described in, for example, HTML (Hyper Text Markup Language). The scraping processor 11 sends the script file to each net banking system 4 and causes each net banking system 4 to execute the script. Since the net banking system 4 that has received the script file operates according to the script, the scraping processing unit 11 can obtain desired information from each net banking system 4.
[0021]
For example, the normalization processing unit 12 acquires the account balance information acquired by the scraping processing unit 11, normalizes the acquired account balance information into a predetermined format, and stores the information as aggregation information 30 in the user information storage unit 13.
[0022]
The user terminal 2 has a Web browser, and can access various Web sites. When the user operates the user terminal 2 to access the aggregation center 1, the user terminal 2 downloads the Web page 14 and displays the Web page 14 on a display unit (not shown). The user can operate the user terminal 2 to download and browse various Web pages 14.
[0023]
A processing engine 15 corresponding to each net banking system 4 is prepared. Each processing engine 15 activates the corresponding net banking system 4 and generates a script for executing a predetermined process. Again, HTML can be used as the script.
[0024]
Next, a case where a user D who is a customer of the new ABC Bank applies for a mortgage loan using the present system will be described. Here, it is assumed that the user D is a user who originally has an account at the old bank A, and the mortgage service provided by the new ABC bank is a service of the old bank B. In this case, the old bank A's net banking system 4a does not handle the mortgage service, and the old bank B's net banking system 4b does not have the personal information of the user D. Therefore, the aggregation center 1 needs to take out personal information of the user D from the net banking system 4a of the former bank A, open an account of the user D in the net banking system 4b of the old bank B, and apply for a mortgage. is there.
[0025]
Hereinafter, a specific processing procedure in the case of performing the above-described case processing in the present system will be described with reference to FIG.
[0026]
(1) First, the user accesses the aggregation center 1, that is, the net banking system of the new bank, and logs in. When logging in, the user inputs a user ID and a password from a login screen (not shown) and sends them to the aggregation center 1 to receive user authentication.
[0027]
(2) When the login is completed, the aggregation center 1 transmits the Web page 14 of the menu screen to the user terminal 2. In the user terminal 2, for example, a menu screen 100 as shown in FIG. 4 is displayed on a display device (not shown).
[0028]
(3) When the user selects “Apply for a mortgage loan” from the menu screen 100, a service request indicating “Application for a mortgage loan” is notified from the user terminal 2 to the aggregation center 1. The aggregation center 1 searches the registration information 20 using the user ID of the user D as a key and extracts the registered account of the user D according to a procedure described in advance on the Web page. Here, since the registered account of the user D is the service of the old bank A and the mortgage is a service of the old bank B, the two do not match. Then, the scraping processing unit 11 acquires the personal information of the user D from the old bank A's net banking system 4a. The normalization processing unit 12 normalizes this personal information and registers it as aggregation information 30.
[0029]
Next, in order to apply for the mortgage loan service of the old bank B, it is necessary to open an account at the old bank B, so the aggregation center 1 first performs an account opening process. For example, the processing engine 15 that performs a process of opening an account at the old B bank generates a script for opening an account at the old B bank using the personal information registered in the aggregation information 30, and generates a script of the old B bank. It transmits to the net banking system 4. In accepting this, the old bank B's net banking system 4 opens a new account for this user.
[0030]
When the user D originally has an account at the old bank B, the acquisition of personal information from the old bank A and the process of opening an account at the old bank B can be omitted.
[0031]
After opening the account, the processing engine 15 that performs the mortgage application processing of the old B bank generates a script for activating the mortgage application processing of the old B bank, and transmits the script to the net banking system 4 of the old B bank. When the mortgage application processing of the former bank B's net banking system 4b is interactive, the processing engine 15 relays and receives input of necessary information from the user terminal 2.
[0032]
It should be noted that a series of scripts can be generated to open an account and apply for a home loan.
[0033]
When the application for the mortgage is completed, the scraping processor 11 obtains, from the old bank B's net banking system 4, information on the mortgage for which the application has been completed. Then, the mortgage information is registered in the aggregation information 30 after the normalization processing unit 12 normalizes the mortgage information.
[0034]
Then, the mortgage information registered in the aggregation information 30 is provided to the user terminal 2 through the Web page so that the user can confirm.
[0035]
This allows the aggregation center to integrate a plurality of existing systems. Further, at this time, even if the old system is operating on the back side, it is possible for the user to see as if the new system is operating. Then, as in the above embodiment, if the present invention is applied when there is a merger or merger of banks, it can be provided to the user as a net banking system of the new bank while utilizing the net banking system of the old bank.
[0036]
The embodiments of the present invention described above are exemplifications for describing the present invention, and are not intended to limit the scope of the present invention only to those embodiments. Those skilled in the art can implement the present invention in various other modes without departing from the gist of the present invention.
[0037]
For example, in the above-described embodiment, a merger of banks has been described as an example, but the present invention is also applicable to companies other than banks. Further, the present invention can be applied to a group newly formed by a business integration instead of a corporate merger.
[Brief description of the drawings]
FIG. 1 is a diagram showing an overall configuration of an integrated system using an aggregation technology according to an embodiment to which the present invention is applied.
FIG. 2 is a diagram illustrating an example of registration information.
FIG. 3 is a diagram showing a processing procedure of the present system.
FIG. 4 is a diagram showing an example of a menu screen.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Aggregation center, 2 ... User terminal, 4 ... Old bank net banking system, 9 ... Network, 11 ... Scraping processing part, 12 ... Normalization processing part, 13 ... User information storage part, 14 ... Web page, 15 ... Processing engine.

Claims (7)

A system for integrating the first and second systems, wherein:
Means for receiving user identification information and a service request;
Means for acquiring personal information of the user from a first system based on the identification information of the user;
Means for generating electronic information including the acquired personal information of the user and the service request and transmitting the generated electronic information to a second system. A system for integrating the first and second banking systems,
Means for receiving the electronic information of the service application;
Means for determining whether the customer who has applied for the service has an account at a first bank or a second bank when the service is applied;
Means for generating electronic information for the customer to apply for a service of the second bank when the customer has an account at the second bank as a result of the determination, and transmitting the electronic information to the second bank system. System for system integration. As a result of the determination, when the customer has an account at the first bank and does not have an account at the second bank, means for acquiring personal information of the customer who has applied for the service from the first bank system When,
3. The system according to claim 2, further comprising: means for generating electronic information for opening the account including the personal information and transmitting the electronic information to the second bank system in order to open the account of the customer at a second bank. System for integration. The system according to claim 3, wherein the means for acquiring the personal information acquires the personal information from the first bank system by a scraping process. The system according to claim 2, wherein the electronic information is described in HTML (Hyper Text Markup Language). A method of integrating and operating a first and second system, comprising:
Receiving the user identification information and the service request;
A process of acquiring personal information of the user from a first system based on the identification information of the user;
Generating electronic information including the acquired personal information of the user and the service request, and transmitting the generated electronic information to a second system. When executed on a computer,
Receiving the user identification information and the service request;
A process of acquiring personal information of the user from a first system based on the identification information of the user;
A computer program for integrating and operating first and second systems for performing processing of generating electronic information including the acquired personal information of a user and the service request and transmitting the generated electronic information to a second system.

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