JP2008305292A - Automatic contract system and computer program - Google Patents

Automatic contract system and computer program Download PDF

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Publication number
JP2008305292A
JP2008305292A JP2007153562A JP2007153562A JP2008305292A JP 2008305292 A JP2008305292 A JP 2008305292A JP 2007153562 A JP2007153562 A JP 2007153562A JP 2007153562 A JP2007153562 A JP 2007153562A JP 2008305292 A JP2008305292 A JP 2008305292A
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function
personal information
server
user
examination
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Japanese (ja)
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Dairo Yoshida
大朗 吉田
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Cfj Kk
Cfj株式会社
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Abstract

[PROBLEMS] To reduce the burden of a mobile phone communication environment and character input operation, improve the operability of inputting personal information and photographing a personal identification document by a user, and trusting the input personal information and personal identification document. Increase sex.
An automatic contract system includes a server system that accepts an application for opening a new account and a mobile phone with a camera function that can be connected to the server system via a communication network such as the Internet. . A transaction account opening application 35 is installed in the mobile phone 20, and when input of all the personal information necessary for opening an account is completed on the application, batch transmission of personal information is started. Thereafter, the application immediately shifts to the identification document photographing mode. As a result of the examination, if the contract is possible, a confirmation screen for the contract content is displayed. When the agreement is obtained, the transfer reservation mode is entered.
[Selection] Figure 1

Description

  The present invention relates to an automatic contract system and a computer program, and more particularly to an automatic contract system for accepting a new contract for opening an account and an application program for a mobile terminal used therefor.

Recently, an automatic contract system that can apply for opening a trading account from a mobile terminal has been attracting attention. For example, in Patent Document 1, when applying for opening a trading account with a financial institution, digital data of a personal identification document is created with a camera mounted on the mobile phone, and the digital data is sent from the mobile phone to the financial institution by e-mail. An account opening method to be transmitted to the server is disclosed.
JP 2005-242770 A

  In the conventional automatic contract system, although it is possible to apply using a mobile terminal, it is necessary to access a contract application Web site and input personal information on the Web site. Therefore, when the session is cut off due to the deterioration of the communication environment, or when the application procedure is interrupted once due to personal circumstances, all input must be performed again from the beginning, which is very troublesome.

  In addition, considering the difficulty of character input using a mobile phone, such Web sites accept only the input of main personal information, and other personal information is separately inquired to the person by telephone, so the financial institution side For him, the burden on the reception was heavy. In addition, we had to go to a branch office or an automatic contract machine for the communication of the examination results and subsequent application for the desired loan amount, and have them go through the procedure. As a result, the burden on the procedure was also large for the user.

  Also, when creating digital data for identity verification documents using the camera function of the mobile phone, the camera function of the user's own mobile phone can be obtained simply by photographing and sending the identity verification document with the mobile phone as in the past. I don't know if it was taken immediately and sent immediately. That is, since image data may be processed, it cannot be said to be highly reliable data.

  In addition, when a new account is opened, a cash card is issued, and the cash card is mailed together with a so-called Article 17 document (a document based on Article 17, Paragraph 1 of the Law Concerning Money Lending Business, etc.) by limited mail. , It is delivered to the user, but there is no confirmation that the person has actually received it, and if a malicious third party receives the cash card, there is a risk of fraudulent use. An identity verification method is desired.

  Accordingly, an object of the present invention is to reduce the communication environment of the mobile terminal and the burden of character input operation, improve the operability of inputting personal information and photographing a personal identification document by the user, An object of the present invention is to provide an automatic contract system capable of improving the reliability of the identification document.

  Another object of the present invention is to provide an automatic contract system capable of improving the reliability when a cash card is provided.

  Another object of the present invention is to reduce the burden of the mobile terminal communication environment and character input operation, and improve the operability of inputting personal information and photographing personal identification documents by the user. To provide a program.

  The above-described problem of the present invention includes a server system that accepts an application for a contract for opening an account, and a mobile terminal with a camera function that can be connected to the server via a communication network, and the mobile terminal can be activated and terminated by a user The application program has a function to accept input of personal information, a function to send personal information to the server system when all personal information has been input, and a personal identification document after input of personal information. By an automatic contract system characterized by having a function for shifting to a shooting mode and activating a camera function and a function for transmitting image data of a personal identification document to a server system when photographing of a personal identification document is completed Solved.

  In the present invention, it is preferable that the application program further includes a function of determining whether or not a predetermined standard is satisfied before the personal information is collectively transmitted, and requesting re-input of the personal information when the predetermined information is not satisfied. The application program preferably further includes a function of determining whether or not a predetermined standard is satisfied before transmitting the image data of the personal identification document, and requesting re-photographing of the personal identification document if not satisfied. According to this, the influence of the communication environment and the like can be further reduced. In addition, the processing burden on the server system side can be further reduced.

  In the present invention, the application program further includes a function of backing up the personal information until the transmission is completed, and a function of deleting the backed up personal information when the batch transmission of the personal information and the image data of the personal identification document is completed. It is preferable. According to this, even if the input work is interrupted, the subsequent registration procedure can be resumed without wasting the input work so far. In addition, personal information is backed up in the user's own mobile terminal, which is advantageous from the viewpoint of personal information protection.

  In the present invention, the application program has a function for receiving the examination result from the server system, a function for displaying the examination result on the screen, and a function for accepting the consent to the examination result, and transfer information including the transfer amount when the consent is obtained. It is preferable to further include a function of accepting the input and a function of transmitting the transfer information. According to this, from the registration of personal information to the transfer procedure can be carried out continuously on a mobile terminal, it is not necessary to go to a branch or a store with an automatic contract machine, and it is possible to apply for a contract from anywhere It becomes. In addition, since it is not necessary to return the contract, which has been necessary in the past, and the FAX of the identification document, it is possible to greatly reduce the burden of the procedure for the user application and the administrative processing burden on the system management side.

  In the present invention, it is preferable that the application program further includes a function of accessing the server system and confirming the existence of the examination result after the transmission of the personal information and the personal identification document is completed. According to this, since the application program that has registered personal information or the like inquires about the examination result, important information such as the examination result can be surely notified to the user himself / herself.

  In the present invention, the server system accepts personal information and image data of personal identification documents collectively transmitted from the mobile terminal, whether to open an account based on the personal information and the image data of personal identification documents, and the contents of the contract. The receiving server has a function to transfer personal information from the mobile terminal and the image data of the personal identification document to the screening system, and receives a request from the application program for the screening result calculated by the screening system. It is preferable to provide a function of transmitting to a mobile terminal.

  In the present invention, it is preferable that the server system further includes a mail server that transmits an e-mail notifying completion of examination to the mobile terminal after examination by the examination system is completed. In this case, the application program is preferably sent by e-mail when there is no access from the application program after a predetermined period of time has elapsed after the transmission of the personal information and the identity verification document is completed. In addition, an email may be sent immediately after the transmission of personal information or the like is completed. In any case, the user can know the completion of examination without starting the application program.

  In the present invention, it is preferable that the reception server further includes a function of performing a process of transferring the transfer amount to a predetermined bank account when receiving the transfer information including the transfer amount. According to this, it is possible to continuously perform the process from the reception process to the transfer process of the image data of the personal information and the personal identification document as a series of processes.

  In the present invention, the acceptance server includes an authentication code uniquely set for each contract, a user-dedicated URL generated based on the authentication code, and a user-dedicated URL when consent to the examination result is obtained. It is preferable to further include a function of generating a barcode and a function of creating a predetermined document with the barcode attached thereto. In this case, the barcode is preferably a two-dimensional barcode, and the predetermined document is preferably a 17-item document. According to this, it is possible to generate a URL by reading a barcode printed on a 17-page document or the like with a portable terminal, and it is possible to provide a Web page by accessing the URL.

  In the present invention, it is preferable that the server system further includes a cash card management system for issuing a cash card to be used by the user when the approval for the examination result is obtained. According to this, it is possible to continuously perform a series of processes from the reception process of image data of personal information and identity verification documents to the cash card issuance process.

  In the present invention, the server system further includes a Web server, and the Web server provides a function for providing a user-dedicated Web page when a URL is accessed from a portable terminal, and confirmation of receipt of a cash card on the user-dedicated Web page. It is preferable to further include a function of accepting.

  In the present invention, the mobile terminal reads a barcode printed on a predetermined document provided together with the cash card, generates a URL, accesses a Web server based on the URL information, and displays a user-specific Web page. It is preferable to further include a browsing function.

  In the present invention, it is preferable that the reception server further includes a function of instructing the cash card management system to perform a cash card validation process when a receipt confirmation is obtained via the Web server.

  The above-described problem of the present invention is also an application program that is installed in a mobile terminal with a camera function and can be activated and terminated by a user, and has a function of accepting input of personal information to the mobile terminal, and personal information until transmission is completed. Backup function, when all personal information has been entered, enter the identity verification document shooting mode, activate the camera function, and when the identity verification document has been photographed, personal information and identity verification This problem can also be solved by a computer program for providing a function for batch transmission of document image data to a server.

  According to the present invention, the application software is installed in the mobile terminal with the camera function, and the personal information is input and the personal identification document is photographed on the application. Personal information can be input, and more reliable personal information and identification document data can be acquired.

  Further, according to the present invention, it is not necessary to go to a branch or a store where an automatic contract machine is installed. For example, it is possible to apply for a contract while staying at home. In addition, since it is unnecessary to return a contract, which has been necessary in the past, and FAX of the identity verification document, the burden on the user application procedure can be greatly reduced.

  Further, according to the present invention, when the cash card is delivered to the user himself / herself by the personal identification mail, the barcode is printed on a document sent together with the cash card, and the barcode is read by the mobile phone. By accessing the user-dedicated URL, it is possible to reliably know that the user himself / herself received the cash card. In addition, by making a card validation procedure on this user-dedicated web page, it is possible to keep the card invalid until the user actually receives the card. That is, the safety of the cash card can be ensured, and unauthorized use of the cash card can be reliably prevented. That is, it is possible to provide an automatic contract system capable of improving the reliability when providing a cash card.

  In addition, according to the present invention, the mobile terminal computer can reduce the communication environment of the mobile terminal and the burden of character input operation, and can improve the operability of inputting personal information and photographing personal identification documents by the user. A program can be provided.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 is a schematic diagram showing a configuration of an automatic contract system 100 according to a preferred embodiment of the present invention.

  As shown in FIG. 1, an automatic contract system 100 includes a server system 10 that accepts an application for opening a new account, and a mobile phone 20 with a camera function that can be connected to the server system 10 via a communication network 19 such as the Internet. I have.

  The server system 10 provides a Web site and also functions as an interface (gateway) between the Internet and an intranet, and a reception server that receives personal information and image data of personal identification documents transmitted from the mobile phone 20 12, a mail server 13 for sending an e-mail to the mobile phone 20, a database 14 in which various data are registered, and whether to open an account and the contents of the contract are examined based on image data of personal information and identity verification documents. An examination system 15, a cash card management system 16 that issues a cash card, and a bank transfer system 17 that performs a transfer process to a bank account are provided.

  The Web server 11 provides a general Web page that anyone can browse and a user-specific Web page that only a specific user can access. These Web pages are configured in a format that can be displayed on the mobile phone 20. The general Web page provides account information, application program downloads, and the like. In addition, the user-dedicated Web page provides reception of cash card receipt confirmation and the like, details of which will be described later.

  The reception server 12 has a function of receiving personal information transmitted from the mobile phone 20 and transferring it to the examination system 15. Further, it has a function of receiving the examination result calculated by the examination system 15 and transferring it to the mobile phone 20. The reception server 12 also has a function of receiving the transfer information transmitted from the mobile phone 20 and performing a process of transferring a designated transfer amount to a predetermined bank account.

  The mail server 13 transmits an e-mail notifying completion of examination to the mobile phone 20. Although not particularly limited, this e-mail may be sent when there is no inquiry about the examination result from the mobile phone 20 even after a predetermined period has elapsed after the examination by the examination system 15 is completed. preferable. In addition, it may be sent immediately after the examination is completed. Furthermore, the e-mail may be distributed only when the user requests notification by e-mail.

  The database 14 stores personal information of each user and image data of identity verification documents. In addition, various information necessary for account management is stored in the database 14.

  The examination system 15 is a part that actually conducts examination based on the received personal information and identification document, and the examination result and the contract contents are returned to the reception server. The examination system 15 also accesses an external credit information organization (not shown) at the time of examination, and performs processing for obtaining credit information.

  The cash card management system 16 manages issuance, validation / invalidation, suspension, etc. of a cash card. When issuing a cash card, the cash card number, user information, and the like are newly registered in the database, and cash card validation / invalidation and cash card stop processing can be performed by setting a flag in the database. Refer to this database when a cash card is used in an automatic contract machine, etc., and if an invalidated cash card is used, reject the procedure and notify that it is an invalidated card .

  The bank transfer system 17 accesses the Internet banking system of each bank and performs a process of transferring a predetermined amount to a designated account. Although details will be described later, the designated account is registered as one piece of personal information, and the transfer amount is also determined by the user's data input.

  FIG. 2 is a functional block diagram of the mobile phone 20.

  As shown in FIG. 2, the mobile phone 20 includes an antenna unit 21, an RF / IF unit 22, a baseband processing unit 23, a CPU 24, an image processing unit 25, a memory 26, a camera module 27, a liquid crystal module (display) 28, a microphone. 30, a speaker 29, operation keys 31, a power source 32, and the like. The memory 26 stores a basic program 33 such as a Web browser, a mail program, a QR code reading program, and various application programs 34. The basic program 33 is software built into the mobile phone 20 from the beginning, and the application program 34 is software that can be freely installed / uninstalled by the user.

  In the present embodiment, a trading account opening application program 35 is installed as one of the application programs 34. The trading account opening application program 35 is stored in the memory 26 together with other application programs. The transaction account opening application program 35 can be downloaded from a predetermined file server (not shown) via the Web server 11.

  Next, a new contract procedure for opening a trading account will be described in detail with reference to the flowcharts of FIGS.

  FIG. 3 is a flowchart showing the operation of the mobile phone 20. FIG. 4 is a flowchart showing the operation on the server system 10 side.

  First, as shown in FIG. 3, when the user activates a trading account opening application program (hereinafter referred to as an application) 35, a menu screen is displayed on the display of the mobile phone 20 (step S11).

  FIG. 5 is a screen diagram showing a menu screen 200 by the application 35.

  As shown in FIG. 5, various services that can be provided on the application 35 are displayed on the menu screen 200. Menu contents include “new application” 201, “examination status confirmation / contract procedure” 202, “re-photographing certificates” 203, “card usage” 204, “reconfirmation of consent clauses”, etc. 205, “Reset (delete) input contents” 206, and “To mobile site” 207. However, the menu contents are not limited to these, and various contents can be displayed. Among these, the items 202 to 204 that are not highlighted are items that cannot be selected at the present time. Here, when “new application” 201 is selected as one of selectable items, a personal information input screen 300 is displayed on the display of the mobile phone 20 (steps S12Y and S13).

  FIG. 6 is a screen diagram illustrating an example of the personal information input screen 300.

  As shown in FIG. 6, the personal information input screen 300 is provided with input fields for various personal information. The personal information input screen 300 is composed of a plurality of pages, and the input of personal information is completed by completing the input of all pages. The personal information input screen shown in FIG. 6 is the first page, “Last name (kanji / kana)” 301a, 302a, “First name (kanji / kana)” 301b, 302b, “Last name” 303, “Birth date” 304. , “Gender” 305 and “nationality” 306 are provided. Other input items provided on other pages include, for example, “address”, “phone number (home / mobile)”, “e-mail address (PC / mobile)”, “health insurance card type”, “designated bank” `` Account '', `` Final Education '', `` Occupation '', `` Company name '', `` Number of employees '', `` Job title '', `` Year of service '', `` Annual income '', `` Residence type '', `` Family composition '', `` Purpose of use '', “Loans available”, “Number of borrowings from other companies”, “Amount borrowed from other companies”, etc. However, it is not limited to these, nor does it have to include all of them.

  As described above, since the personal information to be input is very large, an input screen divided into a plurality of times is provided. The input information is appropriately backed up in the application 35. Therefore, even if the application 35 is terminated in the middle of registration, the remaining unregistered portions may be input when restarting.

  This means that it is more advantageous than the conventional system that advances the registration procedure on the Web while connecting to the server. In the case of a conventional system that accepts on the Web, the registration procedure must be restarted from the beginning when the session expires. There is a high possibility that the session will be disconnected if the mobile phone is unstable. In addition, data input may not be continued for some reason, such as when the mobile phone battery has run out or when the user has been urgently requested. However, when the registration procedure is advanced on the application 35 as in the present embodiment, even if the input operation is interrupted, the subsequent registration procedure can be resumed without wasting the input operation so far. it can. In addition, since personal information is backed up in the user's own mobile phone 20, it is also advantageous from the viewpoint of personal information protection. Furthermore, since the server system 10 is not accessed until the input of all personal information is completed, the processing load on the server system 10 side can be reduced.

  Thus, when the input of the personal information is completed, the input content of the personal information is checked, and if the input content does not satisfy the predetermined standard, re-input is requested for the portion that does not satisfy the predetermined standard. If all the data satisfy the predetermined standard, the application 35 accesses the server system 10 and starts the collective transmission of personal information (step S14Y, step S15). Since the application 35 accesses the server system 10 for the first time at this time, the processing load due to frequent access to the server system 10 can be reduced. Thereafter, when the data transmission is completed, the application 35 immediately shifts to the personal identification document photographing mode (step S16). In the personal identification document photographing mode, first, a photographing guide screen for explaining a photographing method is displayed.

  FIG. 7 is a screen diagram illustrating an example of the shooting guide screen 400.

  As shown in FIG. 7, points to be noted in camera shooting are displayed on the shooting guide screen 400. After the user confirms the precautions, when the user presses the “camera activation” button 401 to instruct the start of photographing, the camera is actually activated, so the user photographs personal identification documents such as a driver's license. The identity verification document is not limited to a driver's license, and may be a health insurance card, for example. When photographing is completed (step S17Y), it is determined whether or not a predetermined standard is satisfied before transmitting image data of the personal identification document (hereinafter simply referred to as “identification document data”). Request a re-shoot. When the personal identification document data satisfies a predetermined standard, the application 35 accesses the server system 10 and starts transmitting the personal identification document data (step S18).

  As described above, since the input of personal information, the photographing of the identity verification document, and the transmission of the registration data are performed under the initiative of the application 35, highly reliable information without data alteration or the like can be acquired. When the transmission is completed, the personal information and the image data of the personal identification document in the application 35 program are deleted.

  The server system 10 that has received the personal information and the personal identification document data from the application 35 starts a contract review process based on the information (steps S27 and S28). Thereafter, when the examination is completed and an inquiry about the examination result is received from the mobile phone 20, the server system 10 transmits the examination result to the mobile phone 20 (step S29). On the other hand, an examination status confirmation screen showing the current status of examination is displayed on the display of the mobile phone 20 during examination (step S19).

  FIG. 8 is a screen diagram showing an example of the examination status confirmation screen 500.

  As shown in FIG. 8, the examination status confirmation screen 500 displays the current examination status. The review takes a few minutes at the shortest, but until then, the words “Under review” or “Under approval” are displayed on the screen. Here, since the text “Review is complete” is displayed, it can be seen that the review has already been completed (step S19). The application 35 periodically monitors the examination status on the server system 10 side, changes the display contents when the examination status has progressed, and receives the examination result when the examination is completed (step S20Y). , S21).

  In the examination, an external credit information agency is inquired about credit information, but the examination may take a long time depending on the operating status of the external credit agency. In order to deal with such examination situation, the user can also terminate the application 35. In this case, since the application 35 cannot monitor the examination status, it is possible to notify the examination completion by sending an examination completion notification mail from the server system 10 side to the e-mail address of the mobile phone 20. As described above, this e-mail is preferably transmitted when there is no inquiry about the examination result from the application 35 even after a predetermined period has elapsed after the examination is completed. In addition, it may be sent immediately after the examination is completed. Furthermore, the e-mail may be distributed only when the user requests notification by e-mail.

  As a result of the examination, if the contract is possible, a confirmation screen for the contract content is displayed (steps S22Y and S23).

  FIG. 9 is a screen diagram showing an example of a contract content confirmation screen (reconfirmation) 600.

  As shown in FIG. 9, the contract details confirmation screen 600 displays “financing limit” 601, “borrowing interest rate” 602, “delayed interest rate” 603, “repayment method” 604, “repayment date” 605, and the like. The At this time, when the user confirms this content and clicks the “next” button 601, the screen moves to a screen 700 for obtaining agreement on the contract content (S24Y, S25).

  FIG. 10 is a screen diagram showing an example of the agreement content acceptance screen 700.

  As shown in FIG. 10, on the agreement content acceptance screen 700, “Agree and make a transfer reservation” 701, “I agree but do not make a transfer reservation now” 702, “I do not agree and do not make a contract” 703, etc. are displayed. The At this time, when the user clicks the “accept and make a transfer reservation” button 701 to the contract content, the agreement content is agreed and the process proceeds to the next transfer reservation mode. If the user agrees to the contents of the contract but does not make the transfer reservation, the contract procedure is completed by clicking the “I agree but do not make the transfer reservation now” button 612 (steps S24N and S27). Further, when the “I don't agree and do not contract” button 613 is clicked, the contract is not made.

  The transfer reservation mode is a mode for accepting an application for transferring a desired amount to a “designated bank account” of a user registered as one of personal information. At this time, the application 35 displays a transfer reservation screen (step S25).

  FIG. 11 is a screen diagram illustrating an example of a transfer reservation screen 800.

  As shown in FIG. 11, the transfer reservation screen 800 is provided with an input field 801 for the transfer reservation amount. When the user inputs the transfer reservation amount and clicks the “next” button 802, this information is transmitted to the server system 10 side (step S26). Thereafter, a procedure completion screen is displayed (step S27), and a series of procedures for opening a trading account is completed.

  As described above, according to the present embodiment, the application 35 is installed in the mobile phone with a camera function, and after the registration of personal information and the photographing of the personal identification document are completed on the application 35, the server system 10 Because it is possible to enter personal information without being affected by network connection status or user usage status, more reliable personal information and identification document image data can be entered. Can be acquired. Furthermore, not only registration procedures for entering personal information, photographing personal identification documents, sending personal information and personal identification documents, but also consent procedures for contract contents and transfer application procedures will be performed on the mobile phone. Therefore, the user can complete all the procedures while staying at home without visiting the branch office or the automatic contract machine.

  FIG.12 and FIG.13 is a flowchart for demonstrating the process after trading account opening.

  First, a cash card is issued to a user who has opened a trading account. At that time, as shown in FIG. 12, the reception server 12 issues a unique authentication code (step S31), generates a user-dedicated URL (Uniform Resource Locator) based on the authentication code (step S32), Further, this URL is QR-coded (step S33). Then, the 17-art document attached with this QR code is created (step S34). Thereafter, the cash card is delivered to the user himself / herself by an identity confirmation mail together with the 17-text document on which the QR code is printed.

  When the user who has received the cash card reads the QR code on the 17 articles using the QR code reading function of the mobile phone, the user-specific URL information is decrypted. Therefore, when the user accesses this URL, a web page dedicated to the user is provided from the web server, and a card validation procedure screen is displayed (step S41). Here, the fact that the user has read the QR code and accessed the user-specific Web page means that the user himself / herself received mail and received a cash card. That is, according to the present embodiment, it is possible to surely know that the user himself / herself received the cash card through access to the user-dedicated web page.

  FIG. 14 is a screen view showing an example of a user-dedicated Web page (card activation procedure screen) 900.

  As shown in FIG. 14, the card validation procedure screen 900 is provided with buttons 901 and 902 for selecting whether card validation is necessary. When the user clicks a card activation (“Yes” button) 901 by a predetermined key operation, a card activation process is executed on the server system 10 side (steps S42Y and S43), and the cash card is activated. If the “No” button 902 is clicked, the process is terminated without performing the card validation process. In this way, by making the card invalid until the user actually receives the card, unauthorized use of the card can be reliably prevented.

  As described above, according to the present embodiment, it is possible to confirm whether the user himself / herself has received the mail by accessing the user-dedicated site using the QR code reading function of the mobile phone 20. . In addition, by having the card validation procedure performed at the user-dedicated site, it is possible to keep the card invalid until the user actually receives the card. That is, the safety of the card can be ensured, and unauthorized use of the card can be reliably prevented.

  The present invention is not limited to the above embodiment, and various modifications can be made without departing from the spirit of the present invention, and these are also included in the scope of the present invention. Needless to say.

  For example, in the above embodiment, a QR code is used as a two-dimensional bar code used for card activation. However, the present invention is not limited to the QR code, and information is obtained by photographing with a camera function of a mobile phone. Any barcode that can be read may be used.

  In the above embodiment, the QR code is printed on the 17-line document. However, the present invention is not limited to this, and is printed on a sheet different from the 17-line document. And can be provided with the 17th article.

  In the above embodiment, a mobile phone with a camera function is given as an example of a mobile terminal. However, the present invention is not limited to a mobile phone, and communication via the Internet, such as a PDA (Personal Data Assistance). It may be an information terminal with a camera function capable of

FIG. 1 is a schematic diagram showing a configuration of an automatic contract system 100 according to a preferred embodiment of the present invention. FIG. 2 is a functional block diagram of the mobile phone 20. FIG. 3 is a flowchart showing the operation of the mobile phone 20 when opening a trading account. FIG. 4 is a flowchart showing the operation of the server system 10 when opening a trading account. FIG. 5 is a screen diagram showing a menu screen 200 by the application 35. FIG. 6 is a screen diagram illustrating an example of the personal information input screen 300. FIG. 7 is a screen diagram illustrating an example of the shooting guide screen 400. FIG. 8 is a screen diagram showing an example of the examination status confirmation screen 500. FIG. 9 is a screen diagram showing an example of a contract content confirmation screen 600. FIG. 10 is a screen diagram showing an example of the agreement content acceptance screen 700. FIG. 11 is a screen diagram illustrating an example of a transfer reservation screen 800. FIG. 12 is a flowchart for explaining processing after opening a trading account. FIG. 13 is a flowchart for explaining processing after opening a trading account. FIG. 14 is a screen view showing an example of a user-dedicated Web page (card activation procedure screen) 900.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Server system 11 Web server 12 Reception server 13 Mail server 14 Database 15 Examination system 16 Cash card management system 17 Bank transfer system 19 Communication network (Internet)
20 Cellular phone 21 Antenna unit 22 RF / IF unit 23 Baseband processing unit 24 CPU
25 Image processing unit 26 Memory 27 Camera module 28 Liquid crystal module (display)
29 Speaker 30 Microphone 31 Operation Key 32 Power Supply 33 Basic Program 34 Application Program 35 Application Program 100 for Trading Account Opening Automatic Contract System 200 Menu Screen 300 Personal Information Input Screen 301a “Last Name (Kanji)” Input Field 301b “First Name (Kanji)” Input field 302a “Last name (Kana)” input field 302b “First name (Kana)” input field 303 “Last name” input field 304 “Birth date” input field 305 “Gender” input field 306 “Nationality” input field 400 Shooting guidance screen 401 “Camera activation” button 500 Screening status confirmation screen 600 Confirmation screen 601 “Loan limit”
602 “Borrowing rate”
603 “Delayed interest rate”
604 "repayment method"
605 "repayment date"
606 “Next” button 700 Contract content acceptance screen 701 “Accept and make transfer reservation” button 702 “I agree but do not make a transfer reservation” button 703 “I don't agree and do not make a reservation” button 800 Transfer reservation screen 801 “Transfer amount” ”Input field 900 card activation procedure screen 901“ YES ”button 902“ NO ”button

Claims (18)

  1. A server system that accepts an application for a contract for opening an account, and a mobile terminal with a camera function that can be connected to the server via a communication network;
    The portable terminal includes an application program that can be activated and terminated by a user, and the application program includes:
    A function to accept input of personal information,
    A function for collectively sending the personal information to the server system when input of all personal information is completed;
    After entering the personal information, the mode shifts to the photographing mode of the personal identification document, the function to activate the camera function, and when the photographing of the personal identification document is completed, the image data of the personal identification document is transferred to the server system. An automatic contract system characterized by having a function to transmit.
  2.   The application program further includes a function of determining whether or not a predetermined standard is satisfied before collectively transmitting the personal information, and requesting re-input of the personal information when the personal information is not satisfied. The automatic contract system according to 1.
  3.   The application program further includes a function of determining whether or not a predetermined standard is satisfied before transmitting image data of the identity verification document, and requesting re-photographing of the identity verification document if not satisfied. The automatic contract system according to claim 1 or 2.
  4.   The application program further includes a function of backing up the personal information until the transmission is completed, and a function of deleting the backed up personal information when the transmission of the personal information and the image data of the personal identification document is completed. The automatic contract system according to any one of claims 1 to 3, further comprising:
  5.   The application program includes a function for receiving the examination result from the server system, a function for displaying the examination result on the screen and receiving an approval for the examination result, and a transfer amount when the approval for the examination result is obtained. The automatic contract system according to any one of claims 1 to 4, further comprising a function of receiving input of the transfer information and a function of transmitting the transfer information.
  6.   6. The application program according to claim 1, further comprising a function of accessing the server system after the transmission of the personal information and the personal identification document is completed, and confirming the existence of the examination result. The automatic contract system as described in any one.
  7.   The automatic contract system according to claim 1, wherein the mobile terminal is a mobile phone.
  8. The server system is
    A reception server that accepts the image data of the personal information and the identity verification document that are collectively transmitted from the mobile terminal;
    An examination system that examines whether or not to open the account and the contents of the contract based on the image data of the personal information and the identity verification document,
    The reception server is
    A function of transferring the personal information from the portable terminal and the image data of the identity verification document to the examination system, and a function of sending a examination result calculated by the examination system to the portable terminal in response to a request from the application program The automatic contract system according to any one of claims 1 to 7, further comprising:
  9. The server system is
    9. The automatic contract system according to claim 1, further comprising a mail server that transmits an e-mail notifying the completion of the examination to the portable terminal after the examination by the examination system is completed.
  10. The reception server is
    The automatic contract system according to claim 5, further comprising a function of performing a process of transferring the transfer amount to a predetermined bank account when the transfer information is received.
  11. The reception server is
    When consent to the examination result is obtained, an authentication code uniquely set for each contract, a user-specific URL generated based on the authentication code, and a barcode including the user-specific URL are generated. The automatic contracting system according to claim 1, further comprising a function of creating a predetermined document with the barcode attached thereto.
  12.   The automatic contract system according to claim 11, wherein the barcode is a two-dimensional barcode.
  13.   The automatic contract system according to claim 11 or 12, wherein the predetermined document is a 17-item document.
  14. The server system is
    The automatic contract system according to any one of claims 8 to 13, further comprising a cash card management system for issuing a cash card used by the user when the consent is obtained.
  15. The server system further includes a web server,
    The web server
    15. The apparatus according to claim 14, further comprising a function of generating a user-dedicated Web page when the URL is accessed from the portable terminal, and a function of accepting receipt of the cash card on the user-dedicated Web page. Automatic contract system as described in
  16. The portable terminal is
    A function for reading the barcode printed on the predetermined document provided together with the cash card, generating the URL, accessing the Web server based on the URL information, and displaying the user-dedicated Web page The automatic contract system according to claim 15, further comprising a function.
  17. The reception server is
    The automatic processing according to claim 16, further comprising a function of instructing the cash card management system to activate the cash card when the receipt confirmation is obtained via the web server. Contract system.
  18.   An application program that is installed in a mobile terminal with a camera function and can be activated and terminated by a user. The mobile terminal has a function for receiving input of personal information and a function for backing up the personal information until transmission is completed. When the input of personal information is completed, the mode is switched to the photographing mode of the personal identification document, the function for activating the camera function, and when the photographing of the personal identification document is completed, the personal information and the personal identification document A computer program for providing a function of collectively transmitting image data to a server.
JP2007153562A 2007-06-11 2007-06-11 Automatic contract system and computer program Pending JP2008305292A (en)

Priority Applications (1)

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JP2007153562A JP2008305292A (en) 2007-06-11 2007-06-11 Automatic contract system and computer program

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
JP2007153562A JP2008305292A (en) 2007-06-11 2007-06-11 Automatic contract system and computer program

Publications (1)

Publication Number Publication Date
JP2008305292A true JP2008305292A (en) 2008-12-18

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Country Link
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Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013061938A (en) * 2011-08-23 2013-04-04 Canon Marketing Japan Inc Identification system, control method and program
JP2013069168A (en) * 2011-09-22 2013-04-18 Toshiba Corp Image management system, image management program and image management method
JP2015504197A (en) * 2011-11-10 2015-02-05 ゲルライナー リミテッド Payment system and method
JP2015060405A (en) * 2013-09-18 2015-03-30 グローリー株式会社 Slip creation system and slip creation method
US20150269671A1 (en) * 2012-10-09 2015-09-24 CommunityLend Holding Inc. System and Method for Processing Loan Applications
JP2016029528A (en) * 2014-07-25 2016-03-03 株式会社 みずほ銀行 Account opening support method, account opening support program, and account opening support server
JP2016152035A (en) * 2015-02-19 2016-08-22 大日本印刷株式会社 Account application method and system
US10475016B2 (en) 2011-11-10 2019-11-12 Gelliner Limited Bill payment system and method

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013061938A (en) * 2011-08-23 2013-04-04 Canon Marketing Japan Inc Identification system, control method and program
JP2013069168A (en) * 2011-09-22 2013-04-18 Toshiba Corp Image management system, image management program and image management method
JP2015504197A (en) * 2011-11-10 2015-02-05 ゲルライナー リミテッド Payment system and method
US10475016B2 (en) 2011-11-10 2019-11-12 Gelliner Limited Bill payment system and method
US20150269671A1 (en) * 2012-10-09 2015-09-24 CommunityLend Holding Inc. System and Method for Processing Loan Applications
US10453128B2 (en) * 2012-10-09 2019-10-22 Communitylend Holdings Inc. System and method for processing loan applications
JP2015060405A (en) * 2013-09-18 2015-03-30 グローリー株式会社 Slip creation system and slip creation method
JP2016029528A (en) * 2014-07-25 2016-03-03 株式会社 みずほ銀行 Account opening support method, account opening support program, and account opening support server
JP2016152035A (en) * 2015-02-19 2016-08-22 大日本印刷株式会社 Account application method and system

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