JP2006251944A - Account opening system, account opening method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account opening system for enabling only a user and a financial institute to easily, safely and surely open an account. <P>SOLUTION: An electronic bank server 10 of an account opening system is provided with a communication control part 11 communicatively connected to a network 60, an account DB 16, a settlement processing part 17, an I/O IF 14 for fetching image information read by a scanner system 80, a data conversion processing part 13 for converting the image information into text data, a Web DB 18, an account opening processing part 12 for providing Web contents to be received to which individual confirmation information is inputted, and for receiving the individual confirmation information inputted to the Web contents, and for comparing the text data converted by the data conversion processing part 13 with the received individual confirmation information, and for, when the data are matched with the information, storing new account information to open a new account in an account DB 16 and an application information DB 15 for storing the individual confirmation information and the text data. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an account opening system, an account opening method, and a program in an electronic payment system that performs payment processing on a computer network such as the Internet. In particular, the present invention relates to an account opening system, an account opening method, and a program capable of opening a new account safely and reliably without taking time and cost in an electronic settlement system.

  In recent years, a multimedia environment such as WWW (World Wide Web) has been developed against a background of a free network environment such as the Internet. In particular, recently, many so-called Internet businesses (e-businesses) that perform specific services using the Internet have been proposed and operated.

  In this Internet business (e-business), there are various services on the network, and payment processing for these services can also be performed on the network.

  In addition, Internet banking (electronic bank) used for payment of goods and services provided on the network is also operated, and various services using the network are also provided in general banks.

  When opening a new account at a financial institution such as a bank, you must submit an identity verification document (a copy of your driver's license, a copy of your resident's card, a health insurance card, a copy of your passport, etc.) to verify your identity. Financial institutions inspect the contents of these identification documents and send transaction-related documents (cash cards, etc.) to the address and the person indicated in the documents.

  This identity verification document is generally submitted by sending or bringing a copy of a driver's license printed on paper, a copy of a resident's card, a health insurance card, a copy of a passport, etc. directly to a financial institution. Yes.

  In Japanese Patent Application No. 2001-31640, application information such as a user's name, address, and contractor number transmitted from a user terminal at the time of applying for a user's account is acquired and transmitted from the operator's operator system. Obtain contract information such as the user's name, address, and contractor number, compare the application information with the contract information, and if the two information match, determine that the user's identity has been successfully verified and It describes what automatically opens a new account.

Thereby, it is possible to reduce the labor required for the account opening application procedure for the user, and it is possible to reduce the labor and time required for the account opening process for a financial institution such as a bank.
Japanese Patent Application No. 2001-31640

  However, according to the account opening method as described above, in the general method, identification documents are generally submitted by copying a driver's license printed on paper, a copy of a resident's card, and a health insurance card. However, there is a problem that it takes time and effort to send or bring a copy of the passport directly to the financial institution. In addition, since the identification document is used by copying an original such as a driver's license, there are cases where written characters, a photograph of the person's face, etc. are unclear. Further, since the personal identification document is stored only on paper, it takes time and effort to store and manage the personal identification document, resulting in deterioration of the personal identification document.

  Moreover, in the method of Japanese Patent Application No. 2001-31640, it is necessary that the system of the business operator having the user information is connected to the same network as the user terminal and the financial institution system so that personal information can be viewed. Intervention of entities other than financial institutions is absolutely necessary, and it also places a security burden on the operator side.

  Accordingly, an object of the present invention is to provide an account opening system, an account opening method, and a program that can open an account easily and securely only by a user and a financial institution.

  In order to solve the above-mentioned problems, an account opening system of the present invention is an account opening system for opening an account in a financial institution, and the identity verification information is used as image information from the identity verification document in which the identity verification information is described. Image reading means to be read, data conversion processing means for converting image information read by the image reading means to text data, and text data received by the user conversion information received via the network and converted by the data conversion processing means And an account opening processing means for opening a new account when the received data is compared with the information.

  Further, it comprises application information storage means for storing the identity confirmation information received by the account opening processing means and the text data converted by the data conversion processing means, and the account opening processing means is a text stored in the application information storage means. The data and the identity verification information are compared, and when the data matches the information, a new account can be opened.

  The network may be the Internet or an intranet. At this time, a WebDB (Data Base) for storing account opening Web contents is further provided, and the account opening processing means can provide Web contents for receiving the identity verification information.

  Furthermore, an account information storage means for storing account information is provided, and the account opening processing means can open a new account by storing new account information in the account information storage means.

  In addition, when opening a new account, the account opening processing means can notify the opening completion by e-mail.

  The image reading means may be a scanner device.

  Further, the data conversion processing means can convert the image information into text data by executing the OCR software.

  In order to solve the above problems, an account opening method of the present invention is an account opening method for opening an account in an account opening system comprising an image reading means, a data conversion processing means, and an account opening processing means. (A) The account opening processing means receives the identity confirmation information input via the network, and (B) the image reading means images the identity confirmation information from the identity confirmation document in which the identity confirmation information is described. (C) the image information read in step (B) is converted into text data by (C) data conversion processing means, and (D) the identity verification information received in step (A) by the account opening processing means; The text data converted in step (C) is compared, and if the data matches the information, a new account is opened.

  Here, the account opening system further includes application information storage means, and stores the received identity verification information by the application information storage means in step (A), and in step (C), by the application information storage means, In step (D), the converted text data is stored, and in the step (D), the personal identification information stored in steps (A) and (C) and the text data are compared by the account opening processing means, and the data and the information are compared. If they match, a new account can be opened.

  The account opening system further includes an account information storage means, and in step (D), the account opening processing means stores new account information in the account information storage means, thereby opening a new account. be able to.

  Furthermore, when a new account is opened in step (D) by the step (E) account opening processing means, notification of opening completion can be made by e-mail.

  In order to solve the above problem, a program according to the first aspect of the present invention is a program for opening an account, and makes the computer realize the function of the account opening system described above. .

  In order to solve the above problem, a program according to a second aspect of the present invention is a program for opening an account, and causes a computer to execute the processing of the above-described account opening method. .

  According to the account opening system, the account opening method and the program of the present invention, a user and a financial institution are created by creating a personal identification document as text data by data conversion and comparing it with the personal identification information input in advance via a network. It is possible to open an account easily and securely.

  Hereinafter, embodiments of an account opening system, an account opening method, and a program according to the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing an embodiment of an account opening system according to the present invention. This account opening system is an electronic bank server 10 of a financial institution that opens a user account and has account information, etc., and a camera-equipped mobile phone that is a communication device that transmits identification information for opening an account to the electronic bank server 10. A terminal such as a telephone 20 and a PC (Personal Computer) 30 (hereinafter also simply referred to as “terminals 20 and 30”), a communication carrier 40 of the camera-equipped mobile phone 20, a provider 50 of the PC 30, the electronic bank server 10, and a camera And an attached mobile phone 20, a PC 30, a communication carrier 40, and a network 60 for connecting the provider 50 so as to communicate with each other.

  Here, the network 60 can be constructed using the Internet or an intranet.

  In addition, the original or copy (copy) of the documents stipulated in the Enforcement Rules of the so-called Identity Verification Act, such as a driver's license, various health insurance cards, passports, a copy of a resident's card, a seal certificate, a alien registration card 70 is simply sent to the electronic bank server 10 by mail, facsimile, e-mail, or the like.

  FIG. 2 is a diagram showing one embodiment of the electronic bank server 10 and the scanner system 80 of the account opening system of the present invention. This scanner system (scanner device) 80 is used to verify the identity from identity verification document 70 on which identity verification information (including name, address, date of birth, expiration date of the document, registration number (described later), etc.) is described. An image reading function for reading information as image information is provided.

  In addition, the electronic bank server 10 includes a communication control unit 11 that is communicably connected to the network 60, an account DB (Data Base) 16 that stores account information, and a settlement process that performs a settlement process based on the account information in the account DB 16. Unit 17, connected to the scanner system 80, an I / O IF (Input / Output Interface Face) 14 that captures image information read by the scanner system 80, and image information captured by the I / O IF 14 is converted into text data. Data conversion processing unit 13, WebDB 18 for storing account opening Web content, and Web content for receiving personal identification information stored in WebDB 18 in terminals 20 and 30 via network 60 are provided. Terminal 20 or 30 via network 60 The personal identification information input to the Web content is received, the text data converted by the data conversion processing unit 13 is compared with the received personal identification information, and if the data matches the information, a new account is created. Application for storing the account opening processing unit 12 for opening a new account in the account DB 16 by storing information, the identity verification information received by the account opening processing unit 12, and the text data converted by the data conversion processing unit 13 Information DB15.

  Here, the account opening processing unit 12 compares the text data stored in the application information DB 15 with the personal identification information, and opens the new account in the account DB 16 when the data matches the information.

  In addition, when opening a new account, the account opening processing unit 12 notifies the terminals 20 and 30 of the completion of opening by e-mail.

  The data conversion processing unit 13 converts the image information into text data by executing the OCR software.

  FIG. 3 is a flowchart of the account opening method of the present invention. 1 to 3, the user inputs personal identification information (name, address, date of birth, etc.) from the terminals 20 and 30 to the electronic bank server 10 via Web contents, and applies for opening a new account ( Step 201). When this input is completed, a registration number is given from the account opening processing unit 12 of the electronic bank server 10. The account opening processing unit 12 associates the received identity verification information (name, address, date of birth, etc.) with the registration number and stores them in the application information DB 15.

  And the electronic bank server 10 requests | requires submission of a personal identification document for a user's confirmation. In response to this request, the user prepares and creates an identity verification document 70 such as a driver's license, various health insurance cards, passports, a copy of a resident's card, a seal certificate, and an alien registration original certificate. 202).

  Here, the driver's license, resident's card, health insurance card, passport, and the like can be photographed with the camera mounted on the camera-equipped mobile phone 20, and the digital data of the identity verification document 70 can be created. Alternatively, a driver's license, resident's card, health insurance card, passport, etc. can be created by photographing with a digital camera (not shown) or reading with a scanner (not shown).

  The prepared identity verification document 70 is sent to a financial institution by mail, facsimile, e-mail or the like (step 203).

  The financial institution receives the identification document 70 (step 204), and the scanner system (scanner device) 80 describes identification information (including name, address, date of birth, expiration date of the document, registration number, etc.). The identity verification information is read as image information (digital data) from the identified identity verification document 70 (step 205).

  The data conversion processing unit 13 receives the image information read by the scanner system 80, converts the name, address, date of birth, expiration date of the document, registration number, and the like into text data and stores it in the application information DB 15 (step S1). 206). Here, when the personal identification document 70 is digital data in advance, it is not necessary to perform the process of step 205. The image data and text data of the personal identification document 70 are registered and managed with a registration number. Further, the image data and text data of the personal identification document 70 can be confirmed on the financial institution by outputting it on a screen or paper.

  Next, based on the registration number, the account opening processing unit 12 performs a confirmation check comparing the personal identification information with the text data (step 207), the data and the information match, and the expiration date of the document Is approved, a new account is opened by storing new account information in the account DB 16 (step 210).

  Then, when opening a new account, the account opening processing unit 12 notifies the terminals 20 and 30 of opening completion to the terminals 20 and 30 (step 211). Then, a transaction-related document (cash card or the like) is sent to the address / person described in the identification document 70, and the account opening process is terminated.

  In step 207, if the identity cannot be confirmed, an error is notified (step 208). If the user corrects the identity confirmation information (step 209), the processing from step 201 is performed.

It is a figure which shows one form of the account opening system of this invention. It is a figure which shows one form of the electronic bank server and scanner system of the account opening system of this invention. It is a flowchart which shows an example of the account opening method of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Electronic bank server 11 Communication control part 12 Account opening process part 13 Data conversion process part 14 I / O IF
15 Application information DB
16 Account DB
17 Settlement processing unit 18 WebDB
20 terminal (mobile phone with camera)
30 terminals (PC)
30C FD
40 communication carrier 50 provider 60 network 70 identity verification document 80 scanner system (scanner device)

Claims (14)

An account opening system for opening an account with a financial institution,
Image reading means for reading the identity verification information as image information from the identity verification document in which the identity verification information is described;
Data conversion processing means for converting image information read by the image reading means into text data;
When the identity verification information input via the network is received, the text data converted by the data conversion processing means is compared with the received identity verification information. An account opening processing means for opening an account of
An account opening system characterized by comprising: Furthermore, the personal identification information received by the account opening processing means, and application information storage means for storing the text data converted by the data conversion processing means,
The account opening processing means compares the text data stored in the application information storage means with the identity verification information, and if the information matches the data, opens a new account;
The account opening system according to claim 1. The account opening system according to claim 1, wherein the network is the Internet or an intranet. In addition, it has a WebDB (Data Base) that stores Web contents for opening an account,
4. The account opening system according to claim 3, wherein the account opening processing means provides Web contents for receiving identification information. Furthermore, an account information storage means for storing account information is provided,
5. The account opening system according to claim 1, wherein the account opening processing means opens a new account by storing new account information in the account information storage means. 6. The account opening system according to any one of claims 1 to 5, wherein, when a new account is opened, the account opening processing means notifies the completion of opening by e-mail. The account opening system according to claim 1, wherein the image reading unit is a scanner device. The account opening system according to any one of claims 1 to 7, wherein the data conversion processing means converts image information into text data by executing OCR software. In an account opening system comprising an image reading means, a data conversion processing means, and an account opening processing means, an account opening method for opening an account,
(A) The account confirmation processing means receives the identity verification information input via the network,
(B) The identity reading information is read as image information from the identity verification document in which the identity verification information is described by the image reading means,
(C) The data conversion processing means converts the image information read in the step (B) into text data,
(D) When the identity confirmation information received in step (A) is compared with the text data converted in step (C) by the account opening processing means, and the data and the information match Open a new account
An account opening method characterized by this. The account opening system further includes application information storage means,
In the step (A), the application information storage means stores the received identity verification information,
In the step (C), the application information storage means stores the converted text data,
In the step (D), the account opening processing means compares the identity verification information and the text data stored in the steps (A) and (C), and the data and the information match. Open a new account
The method for opening an account according to claim 9. The account opening system further includes account information storage means,
In the step (D), a new account is opened by storing new account information in the account information storage unit by the account opening processing unit.
The method for opening an account according to claim 9 or 10. 12. The method according to claim 9, further comprising a step (E) wherein when the new account is opened in the step (D) by the account opening processing means, a notification of opening completion is sent by e-mail. How to open an account.   A program for opening an account, wherein the computer realizes the function of the account opening system according to any one of claims 1 to 8. A program for opening an account, wherein the computer executes processing of the account opening method according to any one of claims 9 to 12.

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