JP2008059242A - Address change processing method and system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a collective procedure for an address change to a plurality of organizations or agencies, and to reduce a risk degree of personal information leakage of a customer. <P>SOLUTION: An address of the customer is changed from an ATM 101 connected to customer management systems 102, 104 in a lump. A relay server 103 has a unification CIF table managed by a unification CIF numbered in customer units, and transmits a CIF of the customer in a financial institution retrieved in the customer management system on the basis of account information held by the customer from the ATM to the relay server. The relay server searches the unification CIF table on the basis of received CIF information to acquire unification CIF information of the customer assigned to the customer unit, newly searches the unification CIF table by the unification CIF to acquire account information of another financial institution having the unification CIF, transmits it to the ATM, and transmits change information and change target account information to the customer management system of the corresponding financial institution to change the information when receiving input of the change information and the change target account information from the ATM. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an address change processing method and system for collectively performing a change procedure and management for each organization or institution regarding an address change procedure performed by an individual.

  When an account is opened at a financial institution and the customer changes the address of the holding account, it is usually necessary to apply for a notification of address change to the financial institution or branch of the holding account. When holding accounts at multiple financial institutions, it was necessary to submit a separate address change notice to each financial institution. However, as the number of accounts held increases, the number of visits to financial institutions increases, and there is a risk that procedures will be avoided. On the other hand, there is JP-A-2004-13428 as a prior art for solving such a situation. Japanese Patent Application Laid-Open No. 2004-13428 discloses a personal information change procedure application proxy service method using the Internet for the problem of performing procedures and inquiries for each organization and organization and manually changing personal information. In the conventional system of Japanese Patent Application Laid-Open No. 2004-13428, personal information such as attribute information is held in a portal site that performs the change processing, with emphasis on the convenience of change procedures in each organization. There are no specific proposals for measures against leakage.

JP2004-13428

  Accordingly, the object of the present invention is to provide personal information, such as address information, for personal information to be changed, and personal information and attribute information of the target organization or institution when a user changes the personal information to a plurality of organizations or institutions. An object of the present invention is to provide a personal information change processing method and system for reducing the risk of leakage to the outside.

In order to achieve the above object, the ATM 101 connects to the customer management system 102 and the customer management system 104 of each financial institution via the network 105 via the network 105 and changes the address of the corresponding customer. .
Specifically, the relay server has in advance a unified CIF table that collectively manages the CIF information uniquely assigned to the customer by the plurality of customer management systems using a unified CIF numbered in units of customers. When the account information of a financial institution owned by the customer is sent from the ATM to the customer management system,
Send CIF information of customers in the financial institution searched by the customer management system to the relay server,
The relay server searches the unified CIF table based on the received CIF information, obtains the unified CIF information of the customer assigned to each customer, searches the unified CIF table again by the unified CIF information, and unifies the unified CIF table. Obtain account information of other financial institutions that have CIF information, send it to ATM,
When the change information and the account information to be changed are received from the ATM, the information and the information are transmitted to the customer management system of the corresponding financial institution to change the information.

According to the present invention, in other systems (relay servers) other than the customer management system of the financial institution, the customer attribute information is not retained for a long time, and in such other systems, the unified CIF is mainly used. By managing customers with only number information, the risk of leakage of personal information can be reduced. This customer management method can be realized in the unified CIF table 106 (FIG. 13) and the address change information transmission processing 111 in the present invention. The unified CIF table 106 is largely managed only by numbers such as unified CIF, financial institution number, store number, and CIF. The address change information transmission 111 process is a series of processes for identifying the unified CIF of the customer from the unified CIF table 106 and grasping all the CIFs of the customer from the identified unified CIF. The customer can refer to the current account information from the ATM 101, and change the addresses of all accounts in a lump. In addition, the customer information of each financial institution is managed only by the number information centered on the unified CIF in the relay server 103 and may be temporarily held for information change, but the personal information of the customer is permanently stored. Since it is not held, the risk of leakage of personal information in the operation of the change processing system is reduced.
In addition, there is an effect that the address change procedure can be performed collectively for each organization or institution. This is realized mainly by a series of processing including linkage processing between the relay server 103, the customer management system 102 of each financial institution, and the customer management system 104.

Embodiments of the present invention will be described below in detail with reference to the drawings.
FIG. 1 is an overall system configuration diagram of the entire present invention.
A customer management system 102 of a financial institution, a customer management system 104, and a relay server 103 are communicably connected via a network 105. The customer management system 102 indicates a financial institution system that a customer accesses via the ATM 101.

  The customer management system 102, the customer management system 104, and the relay server 103 are configured from the processing device 208, the external storage device 205, and the main storage device 206, which include the calculation unit 201, the communication unit 202, the input unit 203, and the output unit 204 in FIG. The storage device 207 may be a general server system having a storage device 207, and the storage device 207 has a program for reading out to the processing device 208 to realize a specific process and a table group for input / reference / storage is doing.

FIG. 3 is a configuration example of a storage device of the customer management system 102.
The customer management system 102 has a customer information management table 109. The customer information management table 109 is a system of each financial institution, and is a table for searching and specifying a CIF used in the system of the financial institution in the present invention. The customer management system 102 of the financial institution has a program for realizing the CIF information search process 113 as a specific process, and outputs the reference information from the customer information management table 109 to the linkage file 401 in the CIF information search process ( Figure 6). Here, CIF refers to customer's information files in financial institutions and banking systems.

FIG. 4 is a configuration example of the storage device of the relay server 103.
The relay server 103 has a unified CIF table 106 (FIG. 13), a storage table 107 (FIG. 14), and a customer address change information table 108 (FIG. 19). The unified CIF is a numbering system that is numbered on a customer basis, and the unified CIF table 106 registers CIFs used in the system by all financial institutions that participate in the address batch change agency service business. For example, referring to the unified CIF table 106 using the unified CIF of a certain customer as a key, it is possible to specify the CIF for each financial institution in all accounts held by the customer. The unified CIF table 106 is a master table that is referred to in order to search the unified CIF used by the relay server 103 from the CIF used in the system of the financial institution, and all the CIFs held by the customer from the unified CIF table 106. Can be searched (Fig. 7). In addition, as the address batch change processing, the relay server 103 transmits customer address change information to the customer management system 102 and the customer management system 104 of the financial institution in the aggregation / transmission processing 112 after the address change input by the customer. The customer address change information to be transmitted is stored in the customer address change information table 108. The customer address change information table 108 is deleted on a daily basis after the customer address change information is transmitted to the customer management system 102 and the customer management system 104 of the financial institution.

  The relay server 103 has a program for realizing specific processing, that is, all customer account information collection processing 110, address change information transmission processing 111, and aggregation / transmission processing 112. In the corresponding customer all-account information collection processing 110, the unified CIF of the customer is searched, and the CIF for each financial institution of the customer is searched from the unified CIF table 106 using the searched unified CIF as a key. The retrieved CIF outputs all the account information held by the customer to the linked file 402 (FIG. 15) and transmits it to all the financial institutions (FIG. 7). In the address change information transmission process 111, the cooperative file 403 transmitted from the financial institution of each account held by the customer is received, and all account information and current address information of the customer are acquired. Data to be displayed on the ATM screen based on the acquired information is transmitted as a linkage file 404 (FIG. 17) (FIG. 9). In the aggregation / transmission process 112, the linkage file 405 (FIG. 18) transmitted from the ATM 101 is temporarily stored in the customer address change information table 108, and the change information is input to the customer address change information table 108 as input. 20) and sent to the financial institution of each account held by the customer (Figure 10).

FIG. 5 is a configuration example of a storage device of the customer management system 104.
The customer management system 104 has a customer information management table 109 (FIG. 11). The customer information management table 109 is a system of each financial institution, and is a table for searching and specifying an account and a current address registered in the system of the financial institution in the present invention. The customer management system 104 of a financial institution has a program for realizing a specific process, that is, an account / address information search process 114. In the account / address information search process, the cooperative file 402 is received, and the customer information management table is referenced using the received information as a key. The reference information is stored in the linkage file 403 (FIG. 16) (FIG. 8).

  The CIF information search processing 113 in the customer management system 102 will be described in detail using FIG. After inserting the cash card into the ATM 101 (F101), the customer logs in to the customer management system 102 of the financial institution of the possessed cash card by inputting and transmitting the ID and password (PW) (F102, FIG. 21). After logging in to the relevant customer management system, select the transaction menu from the ATM screen (Figure 22). After the customer selects “address change transaction” (F104), the customer management system 102 refers to the customer information management table 109 and searches the corresponding CIF column T1005 using the store number T1003 and account number T1007 of the cash card as keys ( F105). Using the customer information management table 109 as input, the financial institution number of the financial institution, the store number, and the searched CIF are output to the linkage file 401, and the linkage file is transmitted to the relay server 103 (F106).

  With reference to FIG. 7, the all-customer account information collection processing 110 in the relay server 103 will be described in detail. In the processing subsequent to FIG. 6, the relay server 103 receives the cooperation file 401 from the customer management system 102 (F201), and refers to the unified CIF table 106 with the received cooperation file 401 as an input. The unified CIF is searched with reference to the financial institution number T1202 based on the financial institution number T1101 of the linkage file 401, the store number T1204 based on the store number T1102, and the CIF column T1206 based on the CIF column T1103 (F202). . If there is a unified CIF with a common set of financial institution number, store number, and CIF information in the unified CIF table 106 (F203), the relay server 103 acquires the account number and current address for each financial institution held by the customer. Next, referring to the unified CIF table 106 using the unified CIF T1201 obtained in the search as a key, all financial institution numbers, all financial institution names, all branch numbers, all branch names, all branch names of the corresponding customers who have the same unified CIF CIF information is searched (F204) and stored in the storage table 107 (F205). The relay server 103 receives the storage table 107, outputs all financial institution numbers, all store numbers, and all CIFs of the corresponding customer to the linkage file 402 (F206), and transmits it to the customer management system 104 (F208). At the time of transmission, the relay server 103 logs in to the customer management system 104 using the privileged password (F207). The privileged password is an authentication password that enables the relay server 103 and the customer management system 104 of each financial institution to be connected while guaranteeing the authentication that the customer management system 102 and the relay server 103 are connected to.

  The account / address information search process 114 in the customer management system 104 will be described in detail with reference to FIG. 7, the customer management system 104 receives the cooperation file 402 from the relay server 103 (F301), receives the cooperation file 402, and based on the financial institution number T1401 of the cooperation file 402, calculates the financial institution number T1001. The customer information management table 109 is searched by referring to the store number T1003 based on the store number T1402 and the CIF column T1005 based on the CIF column T1403, and the finance of the corresponding customer having the same combination of the financial institution number and the store number CIF. Get institution number, financial institution name, store number, branch name, CIF, customer name, account number, address. The search result is stored in the linkage file 403 (F302) and transmitted to the relay server 103 (F303).

  The address change information transmission process 111 in the relay server 103 will be described in detail using FIG. In the processing subsequent to FIG. 8, the relay server 103 receives the linkage file 403 from the customer management system 104 (F401), receives the linkage file 403 and the storage table 107 as input, and from the linkage file 403, the financial institution number T1501 and the name of the financial institution T1502, store number T1503, branch name T1504, CIF T1505, customer name T1506, account number T1507, address T1508 items are linked to the file 404 financial institution number T1603, financial institution name T1604, store number T1605, branch number T1606, branch life T1606, CIF column T1607, customer name T1608, account number T1609, and address are output to the old address T1610, and the unified CIF T1301 is output from the storage table 107 and stored in the unified CIF column T1602 of the linkage file 404 (F402). After the output, the relay server transmits the linkage file 404 to the ATM 101 into which the customer has inserted the cash card (F403). The old address T1610 item of the linkage file 404 is the same as the address T1508 item except for the item name.

  After receiving the linkage file 404 (F404), the ATM 101 creates a currently held account screen (FIG. 23) based on the data items of the linkage file 404 and presents it on the screen (F405). At ATM101, when the customer confirms his / her own account and enters an instruction to change his / her address (touching the “Confirm / Change Address” button), the screen changes from the currently held account screen (FIG. 23) to the address change screen (FIG. 24). (F406), prompting the customer to input a new address. When the customer inputs a new address and touches the “OK” button on the screen, the new address input is accepted (F407), the new address information is stored in the linkage file 405 (FIG. 18), and transmitted to the relay server 103 ( F408).

  The aggregation / transmission process 112 in the relay server 103 will be described in detail with reference to FIG. In the processing subsequent to FIG. 9, after receiving the linkage file 405 from the ATM 101 (F409 in FIG. 9), the relay server 103 receives the linkage file 405 and stores it in the customer address change information table 108 (F501). The relay server 103 receives the customer address change information table 108 as an input, and outputs the storage date T1801, financial institution number T1802, store number T1804, CIF T1806, account number T1808, and new address T1810 items as a linkage file 406, and the financial institution Each of them is stored in the linkage file 406 (F502), and the linkage file 406 is transmitted to the customer management system 102 and the customer management system 104 (F503). When the relay server 103 accesses the customer management system 104, the privileged password is used to log in (F504). The customer management system 102 and customer management system 104 of the financial institution receive the linkage file 406 (F505) and update the new address information (F506).

It is the system whole block diagram of the address change agency system of this invention. Configuration of customer management system and relay server in Fig. 1 Configuration example of the storage device of the customer management system in FIG. Configuration example of storage device of relay server in Fig. 1 Configuration example of the storage device of the customer management system in FIG. It is a flowchart of CIF information search processing 113 of the customer management system (financial institution of possession cash card) 102 in the address change agency system. It is a flowchart of the applicable customer all account information collection process 110 of the relay server 103 in an address change agency system. 10 is a flowchart of an account / address information search process 114 of a customer management system (a financial institution for a holding account) 104 in the address change agent system. It is a flowchart of the address change information transmission processing 111 of the relay server 103 in the address change agent system. 12 is a flowchart of a totaling / transmission process 112 of the relay server 103 in the address change agent system. This is attribute information of the customer information management table 109 possessed by the customer management system (financial institution of holding cash card) 102 and customer management system (financial institution of holding account) 104. This is attribute information of the linkage file 401 output by the customer management system (financial institution of possessed cash card) 102. This is attribute information of the unified CIF table 106 that the relay server 103 has. This is attribute information of the storage table 107 that the relay server 103 has. This is attribute information of the linkage file 402 output by the relay server 103. This is attribute information of the linkage file 403 output by the customer management system (financial account financial institution) 104. This is attribute information of the linkage file 404 output by the relay server 103. This is attribute information of the linkage file 405 output by the customer through the ATM 101. This is attribute information of the customer address change information table 108 that the relay server 103 has. This is attribute information of the linkage file 406 output by the relay server 103. It is a login screen in the address change information transmission processing 111 created by the ATM 101. It is a transaction selection screen in the address change information transmission processing 111 created by the ATM 101. It is a current account reference screen of the customer in the address change information transmission processing 111 created by the ATM 101. It is an address change input screen of the corresponding customer in the address change information transmission processing 111 created by the ATM 101. It is a change information confirmation screen of the customer in the address change information transmission processing 111 created by the ATM 101.

Explanation of symbols

101 ATM (connected to customer management system 102)
102 Customer management system (banking bank financial institution)
Relay server customer management system (financial account financial institution)
Network unified CIF table storage table connecting customer management systems 102 and 104 and relay server 103 Customer address change information table Customer information management table Corresponding customer all account information collection processing Address change information transmission processing Totaling / transmission processing
CIF information search processing Account / address information search processing
ATM (connect to customer management system 104)

Claims (3)

Multiple customer management systems and relay servers are communicably connected via a network, and in response to a request to change the customer's attribute information input from an ATM directly connected to any customer management system, another customer management system A personal information change processing method for changing the customer attribute information managed by
In advance, the relay server has a unified CIF table that collectively manages the CIF information uniquely assigned to the customer by the plurality of customer management systems by a unified CIF numbered in units of customers,
In the ATM, accepts the input of the financial institution number of the financial institution to which the account held by the customer belongs, the store number, the account number, and transmits to the customer management system to which the ATM is connected,
In the customer management system, the CIF information unique to the customer management system is searched for the CIF information of the customer, and the searched CIF information is transmitted to the relay server.
In the relay server, the CIF information is received, the unified CIF table is searched, the unified CIF information of the customer managed by another customer management system is acquired,
In the relay server, the unified CIF table is searched with the searched unified CIF information, and all the combinations of the customer's financial institution number, the store number, and the CIF information indicated by the searched unified CIF information are acquired, and the set indicates Send the above information to the customer management system of the financial institution,
The customer management system of the financial institution that has received the information of the set sends the set of the current address, branch name, and account number managed by the CIF information indicated in the set of information to the arbitrary customer via the relay server. To the management system,
The arbitrary customer management system receives the set of the current address, branch name, and account number, and displays the received set of the current address, branch name, and account number on the connected ATM. Receiving change information of the customer attribute information,
The change information received by the ATM is transmitted to the customer management system of the financial institution that previously transmitted the set of the current address, branch name, and account number via the arbitrary customer management system and the relay server. And changing the information in the customer management system of the financial institution.   The personal information change processing method, wherein the change information of the customer attribute information is change information of the current address. An address change processing system using a relay server connected to a customer management system of a financial institution that manages customers with unique CIF information through a network,
The relay server manages a customer managed by the customer management system based on unified CIF information different from the CIF information managed by the customer management system, and a financial institution having an account owned by the customer as the unit Is a unified CIF table that can be identified by the unified CIF information and the CIF information,
An account information collection processing program for acquiring other CIF information for identifying the account of the predetermined customer in another financial institution from the CIF information of the predetermined customer in the financial institution received from the customer management system of the financial institution;
And an address change information transmission processing program for transmitting a new address to be changed to the other financial institution indicated by the other CIF information,
A storage device for storing
A processing device that reads and executes the account information collection processing program and the address change information transmission processing program stored in the storage device;
An address change processing system characterized by comprising:

Images