JP2006260342A - Brokerage account opening support system and brokerage account opening support program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a technique simplifying collation processing of an object of a brokerage account opening report transmitted from a securities company with customers of a bank without disclosing customer identification information of the bank to the securities company. <P>SOLUTION: The brokerage account opening support system 10 comprises: a bank-side temporary brokerage account number database 18 preliminarily storing a plurality of temporary brokerage account numbers; a temporary brokerage account number assignment part 20 extracting, when a request for brokerage account opening for a specified customer is transmitted from a terminal 36 of the bank, one temporary brokerage account number from the bank-side temporary brokerage account number database 18, and registering it in association with the ordinarily account number of the customer in a bank-side brokerage account database 22; a temporary brokerage account opening form generation part 24 generating a temporary brokerage account opening form 38 describing the temporary brokerage account number; and a brokerage account information update part 25 recording, when a brokerage account opening report stating the temporary brokerage account number as a brokerage account number is transmitted from a securities company-side server 14, brokerage account opening information to the record concerned in the bank-side brokerage account database 22. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a securities account opening support system and a securities account opening support program, and more particularly to a technique for improving the efficiency of paperwork when a bank transfers a customer's securities account opening to a securities company as a securities broker.

From December 2004, under the Securities and Exchange Law, financial institutions such as banks will be permitted to brokerage securities brokerage, brokerage of securities, solicitation of securities, or sales of securities. Became.
In this case, the customer is required to open a new securities account with the securities company through the bank. Specifically, a securities account is opened by the following procedure (see Non-Patent Documents 1 and 2).
(1) At the bank window, ask the customer to fill out the “Securities Account Opening Application Form” of the target securities company. At that time, you will be asked to present materials for identification such as a copy of your license.
(2) The above bank account opening application form will be sent by post or fax to the securities company from the bank.
(3) Based on the above documents, a securities account will be opened at a securities company.
(4) A notice with the securities account number is sent to the customer and bank.
Overview of Japan Financial Planners Association / “Securities Brokerage System” [Searched on January 31, 2005] Internet URL: http://www.jafp.or.jp/syoukentyukai/ Bank of Tokyo-Mitsubishi / New Information / Information on Securities Brokerage Account [Search January 31, 2005] Internet URL: http://direct.btm.co.jp/new_info/shouken/kaisetu.htm

Banks usually identify customers with account numbers for savings accounts or customer management numbers called CIF numbers, so after receiving a notice with the securities account number in (4) above from a securities company, It is necessary to identify the customer of the bank by name, address, and telephone number written in the document, and to associate the account number of the savings account or CIF number with the securities account number, which is a big administrative burden for the bank. It was. In particular, when there are a plurality of customers having the same name and the same name, it is extremely difficult to distinguish them.
Of course, when sending the documents in (2) above to the securities company, add the account number and CIF number of the customer and send the same number to the securities account opening notice (4) sent from the securities company to the bank. If it is operated in such a way that customers are clearly specified, it is easy to identify customers.

However, since the bank account number is important personal information of the customer and the CIF number belongs to the bank's trade secret, disclosing them to an external securities company is a viewpoint of protecting personal information and protecting trade secrets. It becomes a problem from.
In addition, brokerage firms have a great responsibility and burden in managing such important information, so they must be reluctant to receive bank account numbers and CIF numbers.

  The present invention has been devised to solve the above-mentioned problems that occur when opening a securities account through a bank, and does not disclose the customer identification information of the bank to the securities company. The purpose is to realize a technology that can make the matching process between the target person and the bank customer more efficient.

  In order to achieve the above object, the securities account opening support system according to claim 1 includes a bank-side temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance, and a securities account opening for a specific customer. And a means for extracting one temporary securities account number from the bank-side temporary securities account number storage means and associating it with the customer identification number and registering it in the bank-side securities account storage means , When a means for generating a temporary securities account opening slip in which the temporary securities account number is described and securities account opening notification information in which the temporary securities account number is specified as a securities account number are input, It is characterized by comprising means for recording securities account opening information for the corresponding record stored in the storage means.

  The securities account opening support system described in claim 2 is provided when a bank-side temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance and a request for opening a securities account for a specific customer are input. , A means for extracting one temporary securities account number from the bank-side temporary securities account number storage means, associating it with the customer identification number, and registering it in the bank-side securities account storage means; and the temporary securities account number described above When the means for generating the temporary securities account opening slip and the securities account opening notification information specifying the temporary account number and the securities account number associated therewith are input to the bank-side securities account storage means It is characterized by comprising means for recording the above-mentioned securities account number for the corresponding record stored.

  In the securities account opening support program according to claim 3, the computer side stores a temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance, and a request for opening a securities account for a specific customer is input. A means for extracting one temporary securities account number from the bank-side temporary securities account number storage means, associating it with the customer identification number and registering it in the bank-side securities account storage means, The means for generating the listed temporary securities account opening slip, when the securities account opening notification information specifying the temporary securities account number as the securities account number is input, the corresponding stored in the bank side securities account storage means It is characterized by functioning as a means for recording securities account opening information for a record.

  In the securities account opening support program according to claim 4, the computer stores a bank temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance, and a request for opening a securities account for a specific customer is input. A means for extracting one temporary securities account number from the bank-side temporary securities account number storage means, associating it with the customer identification number, and registering it in the bank-side securities account storage means; If the means for generating the listed temporary securities account opening slip, the securities account opening notification information specifying the temporary securities account number and the securities account number associated therewith are input, the bank side securities account storage means The stored record is made to function as a means for recording the above-mentioned securities account number.

  According to the securities account opening support system and the securities account opening support program according to the present invention, it becomes possible to uniquely specify the target person of the securities account opening notification information issued by the securities company through the temporary securities account number. Therefore, it is possible to greatly improve the matching process between the securities account number and the customer without disclosing the customer's savings account number or CIF number to the securities company.

FIG. 1 is a block diagram showing the overall configuration of a securities account opening support system 10 according to the present invention, which includes a bank side server 12 and a securities company side server 14.
The bank-side server 12 includes a temporary securities account number storage unit 16, a bank-side temporary securities account number database 18, a temporary securities account number assigning unit 20, a bank-side securities account database 22, and a temporary securities account opening slip generation unit 24. And a securities account information update unit 25.
The securities company server 14 includes a temporary securities account number database 26, a temporary securities account number transmission unit 28, a securities account database 30, and a securities account opening notification unit 32.
The bank side server 12 and the securities company side server 14 are connected by a communication line 34.

The above-mentioned temporary securities account number storage unit 16, temporary securities account number assigning unit 20, temporary securities account opening slip generation unit 24, and securities account information update unit 25 are required by the CPU of the bank server 12 in accordance with the OS and a dedicated application program. This is realized by executing various processes.
Further, the bank-side temporary securities account number database 18 and the bank-side securities account database 22 are provided in the hard disk of the bank-side server 12.

The temporary securities account number transmitting unit 28 and the securities account opening notifying unit 32 are realized by the CPU of the securities company server 14 executing necessary processes according to the OS and a dedicated application program.
The temporary securities account number database 26 and the securities account database 30 are provided in the hard disk of the securities company server 14.

In the following, the processing procedure for opening a securities account using this system 10 will be described with reference to the flowchart of FIG.
First, unused securities account numbers are stocked in advance in the temporary securities account number database 26 of the server 14 on the securities company side, and a predetermined number of temporary securities account numbers are periodically stored by the temporary securities account number transmission unit 28. Is transmitted to the side server 12.
When this is received by the bank-side server 12 (S10), it is stored in the bank-side temporary securities account number database 18 by the temporary securities account number storage unit 16 (S12).

Next, when the customer visits the bank window and requests opening of a securities account, a request for opening a securities account is transmitted from the terminal 36 operated by the person in charge to the bank-side server 12.
Upon receipt of this, the temporary securities account number assigning unit 20 (S14) acquires one unused temporary securities account number from the bank-side temporary securities account number database 18 (S16), and this is transmitted from the terminal 36. It is registered in the bank-side securities account database 22 in association with the customer's savings account number (S18). Instead of a savings account number, it can be associated with the customer's CIF number.

FIG. 3 shows a configuration example of the bank-side securities account database 22 and includes data items such as a savings account number, a temporary securities account number, a status, and an update date.
Immediately after the temporary securities account number is newly registered by the temporary securities account number assigning unit 20, characters of “provisional registration” are described in the status item.

Next, the temporary securities account number assigning unit 20 generates a temporary securities account opening slip 38 and outputs it via a printer (not shown) (S20).
In this temporary securities account opening slip 38, the temporary securities account number assigned this time, the customer's address, name, telephone number, and date / time information are written.
The person in charge of the bank sends the provisional securities account opening slip 38 and the securities account opening application form 40 filled in by the customer to the securities company by mail or facsimile.

Upon receipt of these documents, the person in charge at the securities company checks the contents of the sent documents and, if it is determined that there is no problem from the viewpoint of compliance, operates the terminal 42 to store the customer's account in the securities account database 30. Open a new account for At this time, the temporary securities account number described in the temporary securities account opening slip 38 sent from the bank is used as it is as an official securities account number.
When a new account is opened in the securities account database 30, the securities account establishment notifying unit 32 is activated and transmits a message for notifying the bank server 12 of the establishment of the securities account.
This electronic statement includes at least a securities account number (= temporary securities account number) and a code indicating completion of establishment of the securities account.

When the bank side server 12 receives this securities account opening notification information (S22), the securities account information updating unit 25 is activated, and the status of the corresponding record in the bank side securities account database 22 is changed from "provisional registration" to "opened". Rewrite (S24).
Thereafter, the temporary securities account number registered in the bank-side securities account database 22 is treated as an official securities account number, and each computer in the bank refers to the bank-side securities account database 22 so that the customer's savings account number is stored. It is possible to specify the corresponding securities account number from the account number, or conversely, specify the saving account number = customer from the securities account number.

  As described above, in the case of this system 10, a temporary securities account opening slip 38 specifying the temporary securities account number is sent from the bank to the securities company, and the temporary securities account number is sent from the securities company to the official securities account. Since it is returned as a number, the bank-side server 12 can uniquely identify the target of the securities account opening notification information sent from the securities company without disclosing the bank's customer identification number to the securities company. .

In the above, an example in which the temporary securities account number is transferred to the official securities account number as it is after the examination of the securities company is shown, but the present invention is not limited to this, and the server 14 on the securities company side A securities account number different from the temporary securities account number can be returned to the bank-side server 12.
Even in this case, the bank server 12 can uniquely identify the target customer by writing the temporary securities account number together with the official securities account number in the securities account opening notification information.

In the above, the temporary securities account number is transmitted online from the securities company side server 14 to the bank side server 12, and automatically stored in the bank side temporary securities account number database 18 via the temporary securities account number storage unit 16. Although the example to be described was demonstrated, this invention is not limited to this.
For example, a temporary securities number is provided from a securities company to a bank by a recording medium such as a magnetic tape, MO, or CD-R that stores a large number of temporary securities account numbers. It can also be operated so as to be stored in the account number database 18.

Alternatively, a temporary securities account number can be prepared on the bank side, and this can be operated in such a manner that it is written in the temporary securities account opening slip 38 and presented to the securities company.
In this case, the securities company can use the temporary securities account number assigned by the bank as an official securities account number as it is, but can also issue a new securities account number according to its own code system.
In this case as well, when notifying the bank server 12 of the original securities account number, the bank server 12 uniquely identifies the target customer by recording the temporary securities account number assigned by the bank. It becomes possible to do.

In addition, every time a securities account is opened as described above, instead of operating the securities account opening notification unit 32 to send a securities account opening notification message to the bank-side server 12, a certain number of cases are collected Alternatively, when a predetermined period elapses, the securities account opening notification information may be stored in a recording medium such as a magnetic tape, an MO, or a CD-R and sent to a bank.
In this case, the securities account establishment notification information is taken into the bank-side server 12 via the recording medium reader, and the corresponding record in the bank-side securities account database 22 is updated by the securities account information update unit 25.

  Furthermore, instead of mailing or faxing the temporary account opening slip 38 printed out as described above and the securities account opening application 40 described by the customer, the electronic file is transferred from the bank server 12 to the securities company server. You can also send it to 14 online.

It is a block diagram which shows the whole structure of the securities account opening assistance system which concerns on this invention. It is a flowchart which shows the process sequence in this securities account opening assistance system. It is explanatory drawing which shows the structural example of a bank side securities account database.

Explanation of symbols

10 Securities account opening support system
12 Bank server
14 Securities company server
16 Temporary securities account number storage
18 Bank-side temporary securities account number database
20 Temporary securities account number assignment section
22 Bank account database
24 Temporary securities account opening slip generator
25 Securities Account Information Update Department
26 Temporary securities account number database
28 Temporary securities account number transmitter
30 Securities Account Database
32 Securities Account Opening Notification Department
34 Communication line
36 Bank terminal
38 Temporary securities account opening slip
40 Securities account opening application form
42 Securities company side terminal

Claims (4)

Bank-side temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance;
When a request to open a securities account related to a specific customer is input, one temporary securities account number is extracted from the bank-side temporary securities account number storage means, and the customer's identification number is associated with the bank-side securities account. Means for registering in the storage means;
Means for generating a temporary securities account opening slip in which the temporary securities account number is described;
Means for recording the securities account opening information for the corresponding record stored in the bank-side securities account storage means when the securities account opening notification information specifying the temporary securities account number as the securities account number is input; ,
A securities account opening support system characterized by comprising: Bank-side temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance;
When a request to open a securities account related to a specific customer is input, one temporary securities account number is extracted from the bank-side temporary securities account number storage means, and the customer's identification number is associated with the bank-side securities account. Means for registering in the storage means;
Means for generating a temporary securities account opening slip in which the temporary securities account number is described;
When the securities account opening notification information specifying the temporary securities account number and the securities account number associated with the temporary securities account number is input, the above securities account is stored for the corresponding record stored in the bank-side securities account storage means. Means for recording the number;
A securities account opening support system characterized by comprising: Computer
Bank-side temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance,
When a request to open a securities account related to a specific customer is input, one temporary securities account number is extracted from the bank-side temporary securities account number storage means, and the customer's identification number is associated with the bank-side securities account. Means for registering in the storage means;
Means for generating a provisional securities account opening slip in which the provisional securities account number is described;
Means for recording the securities account opening information for the corresponding record stored in the bank side securities account storage means when the securities account opening notification information specifying the temporary securities account number as the securities account number is input;
Securities account opening support program characterized by functioning as Computer
Bank-side temporary securities account number storage means for storing a plurality of temporary securities account numbers in advance,
When a request to open a securities account related to a specific customer is input, one temporary securities account number is extracted from the bank-side temporary securities account number storage means, and the customer's identification number is associated with the bank-side securities account. Means for registering in the storage means;
Means for generating a provisional securities account opening slip in which the provisional securities account number is described;
When the securities account opening notification information specifying the temporary securities account number and the securities account number associated with the temporary securities account number is input, the above securities account is stored for the corresponding record stored in the bank-side securities account storage means. Means for recording the number,
Securities account opening support program characterized by functioning as

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