JP2021157538A - Management system and management method - Google Patents

Abstract

To provide a management system allowing a bank to hold latest personal identification information of a user and a service provider to identify a person himself or herself on the basis of the latest information.SOLUTION: A management system 1 comprises a request acquisition unit 11, a request information transmission unit 12, an answer information reception unit 13, and a notification unit 14. The request acquisition unit acquires a first request from a first provider server which provides a service and includes storage information associating a user, a first provider, and a bank, the first request based on an application of use of the service from the user. The request information transmission unit transmits request information for registering, checking, or updating attribute information of the user to a user terminal. The answer information reception unit receives answer information transmitted from the user terminal according to the request information and containing confirmation information indicating confirmation results of the attribute information. The notification unit notifies the bank and the first provider of notification information indicating contents of the answer information.SELECTED DRAWING: Figure 3

Description

One aspect of the disclosure relates to management systems and methods.

A business operator that provides a service that involves payment by fund transfer, which is exemplified by a so-called payment service, is required to verify the identity of the user when providing the service to the user. For example, Patent Document 1 describes a technique that enables the provision of user attribute information to a service provider while ensuring the privacy protection and convenience of the user.

Japanese Unexamined Patent Publication No. 2019-40537

The service provider can perform identity verification of the user by relying on the bank in which the user has an account and using the user attribute information possessed by the bank. However, the identity verification information at the bank may not be the latest, and the identity verification obligation of the service provider may not be fulfilled. In addition, it is desired that service providers carry out identity verification by themselves without relying on banks.

The management system according to one aspect of the present disclosure is a management system that manages user information, and is a request acquisition unit that acquires a first request from a first business operator server that provides a service to the user. , The first request is sent by the first business operator based on the user's application for the use of the service to the first business operator, and at least the user, the first business operator, and the user A request to have the request acquisition unit, which includes storage information associated with the bank with the account, and the user terminal of the user, in response to the first request, register, confirm, or update predetermined attribute information about the user. A request information transmitting unit that transmits information and an answer information receiving unit that receives response information transmitted from a user terminal in response to the request information. The response information is a confirmation indicating the attribute information or the confirmation result of the attribute information. It includes a response information receiving unit that includes information, and a notification unit that notifies the bank and the first business operator of notification information indicating the content of the response information.

The management method according to one aspect of the present disclosure is a management method in a management system that manages user information, and is a request acquisition step of acquiring a first request from a first business operator server that provides a service to a user. The first request is sent by the first business operator based on the user's application for the use of the service to the first business operator, and at least the user and the first business operator In response to the request acquisition step, including the storage information associated with the bank with which the user has an account, and the first request, the user's user terminal is made to register, confirm, or update predetermined attribute information about the user. The request information transmission step for transmitting the request information for the purpose and the response information reception step for receiving the answer information transmitted from the user terminal in response to the request information, and the answer information is the result of the attribute information or the confirmation of the attribute information. It has a response information receiving step including confirmation information indicating the response information, and a notification step for notifying the bank and the first business operator of the notification information indicating the content of the response information.

According to such an aspect, the request information is transmitted to the user's terminal when the user applies for the use of the service provided by the first business operator. The response information returned from the user terminal according to the request information is acquired. Based on the information specified by the storage information, the content of the answer information is notified to the bank and the first business operator. Therefore, it is possible to easily provide the latest attribute information of the user to the bank and the first business operator, motivated by the user's use of the service of the first business operator.

In the management system according to the other aspect, the first request may be a request for a storage request related to the provision of services by the first business operator to the bank.

According to such an aspect, the user's identity verification information is easily provided to the bank and the first business operator in the wake of the request for the storage agency request for the consideration related to the provision of the service by the first business operator. It becomes possible.

The management system according to one aspect of the present disclosure is a management system that manages user information, and is a request acquisition unit that acquires a second request from a second business operator. It was sent from the second business operator in response to the second business operator receiving the storage request to the bank from the first business operator that provides the service to the user, and at least the user and the first business operator. The storage request contains the storage information associated with the business and the bank with which the user has an account, and the storage request is sent from the first business based on the user's application to the first business to use the service. A request acquisition unit, a request information transmission unit that transmits request information for registering, confirming, or updating predetermined attribute information about the user to the user terminal of the user in response to the second request. An answer information receiving unit that receives answer information transmitted from a user terminal in response to request information, and the answer information includes an attribute information or confirmation information indicating the result of confirmation of the attribute information, and an answer information receiving unit. In order to notify the bank and the first business operator, a notification unit for notifying the second business operator of the notification information indicating the content of the response information is provided.

The management method according to one aspect of the present disclosure is a management method in a management system that manages user information, and is a request acquisition step for acquiring a second request from a second business operator, and is a second. The request is sent from the second business operator in response to the second business operator receiving the storage request to the bank from the first business operator that provides the service to the user, and at least the user and the user. The storage request includes the storage information associated with the first business operator and the bank with which the user has an account, and the storage request is made by the first business operator based on the user's application for the use of the service to the first business operator. Request information transmission that transmits request information for registering, confirming, or updating predetermined attribute information about the user to the user terminal of the user in response to the request acquisition step and the second request, which are transmitted. A step and an answer information receiving step of receiving the answer information transmitted from the user terminal in response to the request information, wherein the answer information includes the attribute information or the confirmation information indicating the confirmation result of the attribute information. It has a step and a notification step of notifying the second business operator of notification information indicating the content of the response information in order to notify the bank and the first business operator.

According to such an aspect, a storage agency request is transmitted from the first business operator to the second business operator based on the user's application for the use of the service provided by the first business operator. Therefore, the second request from the second business operator based on the storage agency request is acquired. Then, with the acquisition of the second request as an opportunity, the request information is transmitted to the user's terminal, and the answer information returned from the user terminal in response to the request information is acquired. Since the notification information for notifying the bank and the first business operator of the contents of the response information is notified to the second business operator, the second business operator can use the notification information to notify the bank and the first business operator. It is possible to provide the latest attribute information of the user to the business operator of.

In the management system related to the other aspect, the application for the use of the service is the first business of the information that the predetermined operation object presented to the user terminal of the user is operated by the server of the first business operator. It may be based on the reception by the server of the person.

According to such an aspect, a request from the first business operator server is issued by a simple operation such as an operation of a predetermined operation object displayed on the user terminal. Thereby, the first business operator can easily configure the interface for providing the service.

In the management system according to the other aspect, the request information may include at least one of the input form screen for inputting the attribute information and the attribute information acquired in the past.

According to such an aspect, a user can easily register, confirm, or update predetermined attribute information.

In the management system according to the other aspect, the answer information may include at least one of the attribute information input in the user terminal of the user and the answer indicating that there is no updated attribute information.

According to such an aspect, it is possible to easily acquire or confirm the latest attribute information of the user.

In the management system according to the other aspect, the attribute information may include at least one of a photograph of the user's face and a copy of the identity verification document.

According to such an aspect, it is possible to provide the user's face photograph and the identity verification document as the latest attribute information of the user to the bank and the first business operator.

According to one aspect of the present disclosure, the bank can retain the latest identity verification information of the user, and the service provider can perform the identity verification based on the latest identity verification information.

It is a figure which shows an example of the apparatus configuration of the management system which concerns on embodiment. It is a figure which shows an example of the hardware configuration about the management server which concerns on embodiment. It is a block diagram which shows an example of the functional structure of the management server and the server of the 2nd business operator which concerns on embodiment. It is a figure which shows the example of the structure of the corresponding bank information stored in the corresponding bank information storage part. It is a timing chart which shows an example of the operation of the management system which concerns on embodiment. It is a figure which shows the example of the application screen of the service displayed on the user terminal. It is an example of the request information, and is the figure which shows the example of the screen for taking a photograph of the face of the user as the identity verification information displayed on the user terminal. It is an example of the request information, and is the figure which shows the example of the screen for taking a photograph of a user's face and identity verification document as identity verification information, which is displayed on a user terminal. It is a figure which shows the screen example which shows the input form for inputting the attribute information of a user as an example of request information. It is an example of the request information, and is the figure which shows the confirmation screen example for presenting the attribute information of the user acquired in the past to a user. It is a figure which shows the screen example for presenting to the user that the answer information including the latest attribute information of a user is provided to a bank server and a server of a first business operator. It is a figure which shows the screen example which shows that the application for use of the service provided by a 1st business operator is completed. It is a figure which shows the example of the functional configuration of the management server which configures a management system.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the description of the drawings, the same or equivalent elements are designated by the same reference numerals, and duplicate description will be omitted.

FIG. 1 is a diagram showing an example of a device configuration of the management system 1 according to the embodiment. As shown in FIG. 1, the management system 1 of the present embodiment is a system that manages user information, and includes a management server 10. Further, the management system 1 may include a server 20 of a second business operator.

The server 20 of the second business operator is a server owned by the second business operator. The second operator may be a so-called payment network company. A payment network company is a business operator that constructs a network connecting credit card companies, affiliated stores, banks, etc., and transfers data for online payment using the Internet.

The management server 10 and the server 20 of the second business operator are configured to be able to communicate with the bank server 30, the server 40 of the first business operator, and the user terminal 50 via the network N.

The bank server 30 is a device that manages each user's account and stores and manages identity verification information for each user. It is desirable that the identity verification information of each user managed by the bank server 30 is kept up to date. However, in order to update the identity verification information, the user must actively access the bank server 30 and update the information, so that the user does not always update the information to the latest state. Further, the bank server 30 authenticates the user by using the identity verification information by an authentication method such as cash card authentication. Although three bank servers 30 are shown in FIG. 1, the number of bank servers 30 is not limited.

The server 40 of the first business operator is a server owned by the first business operator. The first business operator in the present embodiment is a business operator that provides a service to a user, and is, for example, a storage company that provides a payment service and a storage agency service via a so-called payment application.
The first business operator can use a plurality of banks as transfer sources for storage. As will be described later, the information relating the first business operator, which is the storage company, and the bank of the transfer source is stored and managed by the second business operator. Although FIG. 1 shows three servers 40 of the first operator, the number of servers 40 of the first operator is not limited.

The user terminal 50 is a terminal owned by the user, and in the present embodiment, is a terminal of the user who uses the service of the first business operator. The user terminal 50 may be, for example, a mobile terminal such as a high-performance mobile phone (smartphone), a tablet terminal, a wearable terminal (for example, a head-mounted display (HMD), a smart glass, etc.), a laptop personal computer, or a mobile phone. Alternatively, the user terminal 50 may be a stationary terminal such as a desktop personal computer. Although three user terminals 50 are shown in FIG. 1, the number of user terminals 50 is not limited. In the present embodiment, the user terminal 50 transmits an application for use of the service provided by the first business operator, a storage agency request for using the service, and the like to the server 40 of the first business operator.

FIG. 2 is a diagram showing an example of a hardware configuration relating to the management server 10, and shows a server computer 100 that functions as the management server 10. The server computer 100 may configure the server 20 of the second business operator. Further, the server computer 100 may configure the server 40 and the bank server 30 of the first business operator.

As an example, the server computer 100 includes a processor 101, a main storage unit 102, an auxiliary storage unit 103, and a communication unit 104 as hardware components.

The processor 101 is an arithmetic unit that executes an operating system and an application program. Examples of the processor include a CPU (Central Processing Unit) and a GPU (Graphics Processing Unit), but the type of the processor 101 is not limited thereto. For example, the processor 101 may be a combination of a sensor and a dedicated circuit. The dedicated circuit may be a programmable circuit such as FPGA (Field-Programmable Gate Array), or may be another type of circuit.

The main storage unit 102 is a device that stores a program for realizing the management server 10 and the like, a calculation result output from the processor 101, and the like. The main storage unit 102 is composed of, for example, at least one of a ROM (Read Only Memory) and a RAM (Random Access Memory).

The auxiliary storage unit 103 is a device capable of storing a larger amount of data than the main storage unit 102 in general. The auxiliary storage unit 103 is composed of a non-volatile storage medium such as a hard disk or a flash memory. The auxiliary storage unit 103 stores the server program P1 for making the server computer 100 function as the management server 10 and the like, and various data. In the present embodiment, the management program that realizes the management server is implemented as the server program P1.

The communication unit 104 is a device that executes data communication with another computer via the communication network N. The communication unit 104 is composed of, for example, a network card or a wireless communication module.

Each functional element of the server is realized by loading the corresponding server program P1 on the processor 101 or the main storage unit 102 and causing the processor 101 to execute the program. The server program P1 includes a code for realizing each functional element of the corresponding server. The processor 101 operates the communication unit 104 according to the server program P1 to read and write data in the main storage unit 102 or the auxiliary storage unit 103. By such processing, each functional element of the corresponding server is realized.

The server program P1 may be provided after being fixedly recorded on a tangible recording medium such as a CD-ROM, a DVD-ROM, or a semiconductor memory. Alternatively, at least one of these programs may be provided via a communication network as a data signal superimposed on a carrier wave.

Each server may consist of one or more computers. When a plurality of computers are used for one server, one server is logically configured by connecting these computers to each other via a communication network.

FIG. 3 is a block diagram showing an example of the functional configuration of the management server 10 and the server 20 of the second business operator. As shown in FIG. 3, the management server 10 and the server 20 of the second business operator can constitute an example of the management system 1. The management server 10 includes a second request acquisition unit 11, a request information transmission unit 12, a response information reception unit 13, and a first notification unit 14. Each of these functional units 11 to 14 is realized by reading the server program P1 into the processor 101 and executing the program. A description of each functional unit will be described later.

Each functional unit of the management server 10 is configured to be accessible to the user information storage unit 16. The user information storage unit 16 is a storage means for storing and managing user information, and is composed of, for example, a main storage unit 102 or an auxiliary storage unit 103. In the present embodiment, the user information storage unit 16 is configured in the management server 10, but may be configured in another device accessible from the management server 10.

The server 20 of the second business operator includes a first request acquisition unit 21, an inquiry unit 22, and a second notification unit 23. Each of these functional units 21 to 23 is also realized by reading a server program into the processor 101 and executing the program. A description of each functional unit will be described later.

Each functional unit 21 to 23 of the server 20 of the second business operator is configured to be able to access the corresponding bank information storage unit 25. The corresponding bank information storage unit 25 is a storage means for storing and managing the corresponding bank information, and is composed of, for example, a main storage unit 102 or an auxiliary storage unit 103. In the present embodiment, the corresponding bank information storage unit 25 is configured in the server 20 of the second business operator, but may be configured in another device accessible from the server 20 of the second business operator. ..

FIG. 4 is a diagram showing an example of the configuration of the corresponding bank information stored in the corresponding bank information storage unit 25. As shown in FIG. 4, the corresponding bank information is information that associates the first business operator, which is the storage company, with the bank that is the transfer source. For example, the first business operator "A" can use banks "X", "Y], and" Z "as transfer sources in the storage service provided by the company. That is, a user who has an account at any of the banks "X", "Y], and" Z "can use the service of the first business operator" A "with the account as the transfer source.

Each functional unit of the management server 10 will be described with reference to FIG. 3 again. The second request acquisition unit 11 acquires the second request from the second business operator. Specifically, the second request acquisition unit 11 acquires the second request from the server 20 of the second business operator. The second request is in response to the second business operator's server 20 receiving a storage request from the first business operator providing the service to the bank from the first business operator's server 40. It is transmitted from the server 20 of the second operator. Therefore, the second request includes at least the storage information associated with the user, the first business operator, and the bank with which the user has an account. The stored information is transmitted from the server 40 of the first business operator based on the application for the use of the service from the user terminal 50 to the server 40 of the first business operator. An application to use the service includes at least information that identifies the bank in which the user has an account. Therefore, the storage information can include an association between the user and the bank. Further, the second request includes an inquiry request to the management server 10 whether or not the user information including the attribute information including the user's identity verification information is registered.

In response to the second request, the request information transmission unit 12 transmits request information for registering, confirming, or updating predetermined attribute information (including identity verification information) related to the user to the user terminal 50 of the user. do. Specifically, when the attribute information or the like of the user is not registered in the management server 10, the request information transmission unit 12 transmits as request information to newly register the attribute information or the like. When the attribute information and the like of the user are already registered in the management server 10, the request information transmission unit 12 transmits the registered attribute information to the user terminal 50, confirms that the attribute information is the latest, and updates the latest. If not, a request to update the attribute information is sent as request information.

User attribute information and the like are stored as user information in the user information storage unit 16. Therefore, the request information transmission unit 12 accesses the user information storage unit 16 to confirm whether or not the user's attribute information is registered, and to refer to and acquire the user's attribute information.

The response information receiving unit 13 receives the response information transmitted from the user terminal 50 in response to the request information. The response information includes confirmation information indicating the newly input attribute information, the updated attribute information, or the confirmation result of the attribute information (answer indicating that there is no updated attribute information).

The first notification unit 14 notifies the server 20 of the second business operator of the notification information indicating the content of the received response information in order to notify the bank and the first business operator in response to the reception of the response information. .. That is, the notification information may include newly input attribute information, updated attribute information, or confirmation information indicating the result of confirmation of the attribute information.

Next, each functional unit of the server 20 of the second business operator will be described. The first request acquisition unit 21 acquires the first request from the server 40 of the first business operator that provides the service to the user. The first request is transmitted by the server 40 of the first business operator based on the user's application for the use of the service to the first business operator. The first request includes at least storage information associated with the user, the first business operator, and the bank with which the user has an account. Since the application for the use of the service includes at least the information that identifies the bank in which the user has an account, the storage information can include the association between the user and the bank.

The inquiry unit 22 transmits the second request to the management server 10. The second request includes storage information associated with the user, the first business operator, and the bank with which the user has an account, based on the first request. Further, the second request includes an inquiry request to the management server 10 for the presence / absence of registration of attribute information (user information) including the user's identity verification information.

The second notification unit 23 notifies the bank and the first business operator of the notification information indicating the content of the response information transmitted from the user terminal 50. The notification information includes newly input attribute information, updated attribute information, or confirmation information indicating the confirmation result of the attribute information. The second notification unit 23 can identify the first business operator and the bank that are the notification destinations based on the association information of the user, the first business operator, and the bank in the storage information. Since the stored information includes the identification information of the user, the first business operator, and the bank, the second notification unit 23 can transmit the information using the identification information as a transmission destination.

Subsequently, an example of the operation of the management system 1 according to the embodiment will be described with reference to FIG. FIG. 5 is a timing chart showing an example of the operation of the management system 1.

In step S1, the user terminal 50 transmits an application for using the service to the server 40 of the first business operator. The application for using the service is, for example, an application for a payment service, and includes a storage agency request to a first business operator. FIG. 6 is a diagram showing an example of a service application screen displayed on the user terminal 50. As shown in FIG. 6, the service application screen D1 includes the operation object d11. When the user terminal 50 accepts that the operation object d11 displayed on the screen has been operated by the user, the user terminal 50 transmits an application for use to the service to the server 40 of the first business operator. The application for the use of this service triggers a request for storage agency registration to the bank server 30, a trigger for registration of user information on the management server 10, and further, a trigger for the bank server 30 and the server 40 of the first business operator. It will be an opportunity to provide user information.

In step S2, the server 40 of the first business operator transmits a request (first request) to the server 20 of the second business operator. The first request includes a request for storage agency registration to a bank, and also includes storage information associated with the user, the first business operator, and the bank with which the user has an account. Then, the first request acquisition unit 21 of the server 20 of the second business operator acquires the first request.

In step S3, the first request acquisition unit 21 transmits a request for storage agency registration to the bank server 30 in response to the acquisition of the first request. At this time, the first request acquisition unit 21 refers to the corresponding bank information storage unit 25, and the association between the first business operator and the bank included in the first request is the first business operator in the corresponding bank information. If the association with the bank is applicable, a request for storage agency registration is sent to the bank.

In step S4, the bank server 30 executes user authentication of the user in response to the request for storage agency registration. User authentication may be performed by, for example, so-called cash card authentication. In step S5, the user terminal 50 returns the authentication information input by the user to the bank server 30. The bank server 30 notifies the server 20 of the second business operator of the result of user authentication.

In step S6, the inquiry unit 22 transmits the second request to the management server 10. The second request includes an inquiry request to the management server 10 for the presence / absence of registration of attribute information (user information) including the user's identity verification information. The second request also includes storage information associated with the user, the first business operator, and the bank with which the user has an account, based on the first request.

In step S7, the request information transmitting unit 12 registers, confirms, or updates predetermined attribute information (including identity verification information) related to the user in the user terminal 50 in response to the second request transmitted in step S6. Send the request information to let you. Specifically, the request information transmission unit 12 determines whether or not the user's attribute information has already been registered in the management server 10 by accessing the user information storage unit 16. When the attribute information or the like of the user is not registered in the management server 10, the request information transmitting unit 12 transmits as request information to newly register the attribute information or the like. When the attribute information or the like of the user is already registered in the management server 10, the request information transmission unit 12 transmits the registered attribute information acquired from the user information storage unit 16 to the user terminal 50, and the attribute information is generated. A request to confirm that it is the latest and to update the attribute information if it is not the latest is sent as request information.

FIG. 7 is an example of the request information transmitted to the user terminal 50, and is a diagram showing an example of a screen displayed on the user terminal 50 for taking a photograph of the user's face as identity verification information. .. As shown in FIG. 7, the screen D2 includes information d21 for causing the user to take a facial photograph. When the user takes a face photo according to the information d21, the user terminal 50 acquires the face photo as the identity verification information.

FIG. 8 is an example of the request information transmitted to the user terminal 50, and is an example of a screen displayed on the user terminal 50 for taking a photograph of the user's face as identity verification information and an identity verification document. It is a figure which shows. As shown in FIG. 8, the screen D3 includes information d31 for causing the user to take a face photograph and an identification card (identification document). When the user takes a face photo and an ID card according to the information d31, the user terminal 50 acquires the face photo and the ID card as the identity verification information.

FIG. 9 is an example of the request information transmitted to the user terminal 50, and is a diagram showing an example of an input form screen for inputting the attribute information of the user. As shown in FIG. 9, the screen D4 includes an input form d41 for allowing the user to input various attribute information. When the user inputs various attribute information according to the input form d41, the user terminal 50 acquires various attribute information of the user.

FIG. 10 is an example of request information, and is a diagram showing an example of a confirmation screen for presenting the attribute information of the user acquired in the past to the user. As shown in FIG. 10, the screen D5 includes a display field d51 for registered attribute information. The user refers to the attribute information display field d51, and if there is no attribute information to be updated, inputs an answer to that effect to the user terminal 50. On the other hand, when there is attribute information to be updated, the attribute information is updated by inputting it in the display field d51. By these inputs, the user terminal 50 can acquire the answer information indicating that there is no updated attribute information or the answer information including the updated attribute information.

In step S8, when the attribute information of the user is not registered, the user terminal 50 transmits the attribute information of the user to be registered in the management server 10. The attribute information transmitted and registered here includes the user's identity verification information, and may include, for example, a user's face photograph and identity verification documents (identification card). That is, as described with reference to FIGS. 7 to 9, various attribute information of the user acquired by the user terminal 50 is transmitted from the user terminal 50 to the management server 10 as response information. Further, when the attribute information or the like of the user is already registered in the management server 10, the user terminal 50 has confirmed that there is no updated attribute information, or the updated attribute information. The answer information including the above is transmitted to the management server 10. The response information receiving unit 13 of the management server 10 receives the response information transmitted from the user terminal 50 in response to the request information.

In step S9, the first notification unit 14 notifies the server 20 of the second business operator of the notification information indicating the content of the received response information in response to the reception of the response information. That is, the first notification unit 14 sends the newly input user information (attribute information), the updated user information, or the confirmation information indicating the confirmation result of the attribute information to the server 20 of the second operator as notification information. Notice.

In step S10, the second notification unit 23 transmits the notification information indicating the content of the response information transmitted from the user terminal 50 to the bank server 30 and the server 40 of the first business operator. The notification information may include newly entered attribute information, updated attribute information, or confirmation information indicating the result of confirmation of the attribute information. The second notification unit 23 can identify the first business operator and the bank to be notified based on the association information of the user, the first business operator and the bank in the storage information. Since the stored information includes the identification information of the user, the first business operator, and the bank, the second notification unit 23 can transmit the information using the identification information as the transmission destination.
As a result, the latest attribute information of the user is provided to the bank and the first business operator.

The management server 10 transmits a message to the user terminal 50 that the user attribute information is provided to the server 40 and the bank server of the first business operator at the timing when the processes of steps S9 to S10 are executed. You may. FIG. 11 is a diagram showing a screen example for presenting to the user that the response information including the latest attribute information of the user is provided to the bank server 30 and the server 40 of the first business operator. As shown in FIG. 11, the screen D6 includes a message d61 indicating that the user's attribute information is provided to the first business server 40 and the bank server. As a result, the user can recognize that his / her attribute information has been provided to the first business operator and the bank.

In step S11, the bank server 30 registers or updates the user information in the database held by the bank server based on the received user information (attribute information). In addition, the server 40 of the first business operator also registers the received user information in the database of the server 40.

In step S12, the bank server 30 transmits a notification indicating the completion of the storage agency registration to the server 40 of the first business operator. In step S13, the server 40 of the first business operator displays on the user terminal 50 a registration completion screen for presenting the information indicating the completion of the application for using the service and the completion of the storage agency registration to the user. Send.

In step S14, the user terminal 50 displays the registration completion screen. FIG. 12 is a diagram showing an example of a registration completion screen. As shown in FIG. 12, the screen D7 includes a message d71 indicating the completion of the application for the use of the service and the completion of the storage agency registration. As a result, the user can recognize that the application for using the service has been completed together with the request for storage agency.

The present invention has been described in detail above based on the embodiment. However, the present invention is not limited to the above embodiment. The present invention can be modified in various ways without departing from the gist thereof.

In the above embodiment, as shown in FIG. 3, the management system 1 is configured by the management server 10 and the server 20 of the second business operator, but each function of the server 20 of the second business operator is configured. Is realized in the management server 10, and the management system 1 may be configured by one server. FIG. 13 is a diagram showing an example of the functional configuration of the management server 10A constituting the management system 1.

As shown in FIG. 13, the management server 10A includes a request acquisition unit 11A, a request information transmission unit 12A, a response information reception unit 13A, and a notification unit 14A.

The request acquisition unit 11A acquires the first request from the server 40 of the first operator. The first request is transmitted by the server 40 of the first business operator based on the user's application for the use of the service to the first business operator. The first request includes at least storage information associated with the user, the first business operator, and the bank with which the user has an account.

In response to the first request, the request information transmission unit 12A transmits request information for registering, confirming, or updating predetermined attribute information regarding the user to the user terminal 50 of the user.

The response information receiving unit 13A receives the response information transmitted from the user terminal 50 in response to the request information. The response information includes newly input attribute information, updated attribute information, or confirmation information indicating the result of confirmation of the attribute information.

The notification unit 14A notifies the bank server 30 and the server 40 of the first business operator of the notification information indicating the content of the response information. The notification information includes newly input attribute information, updated attribute information, or confirmation information indicating the confirmation result of the attribute information. The notification unit 14A can identify the first business operator and the bank that are the notification destinations based on the association information of the user, the first business operator, and the bank in the storage information. Since the stored information includes the identification information of the user, the first business operator, and the bank, the notification unit 14A can transmit the information using the identification information as a transmission destination.

According to the management system 1 and the management method of the present embodiment described above, the request information is transmitted to the user's terminal when the user applies for the use of the service provided by the first business operator. .. The response information returned from the user terminal 50 in response to the request information is acquired. Based on the information specified by the storage information, the content of the answer information is notified to the bank server 30 and the server 40 of the first business operator. Therefore, it is possible to easily provide the latest attribute information of the user to the bank and the first business operator, motivated by the user's use of the service of the first business operator.

The internal configuration of the management system 1 is not limited to the above embodiment, and may be designed according to an arbitrary policy. For example, the subject (that is, the processor) that realizes each of the functional units 11 to 14 and the functional units 21 to 23 is not limited to the example of the present disclosure, and may be different for each functional unit.

The processing procedure of the method executed by the processor is not limited to the example in the above embodiment. For example, some of the steps (processes) described above may be omitted, or each step may be executed in a different order. Further, any two or more steps among the above-mentioned steps may be combined, or a part of the steps may be modified or deleted. Alternatively, other steps may be performed in addition to each of the above steps.

1 ... Management system, 10,10A ... Management server, 11 ... Second request acquisition unit, 11A ... Request acquisition unit, 12,12A ... Request information transmission unit, 13,13A ... Response information reception unit, 14 ... First notification unit , 14A ... Notification unit, 16 ... User information storage unit, 20 ... Second business server, 21 ... First request acquisition unit, 22 ... Inquiry unit, 23 ... Second notification unit, 25 ... Corresponding bank information storage unit , 30 ... Bank server, 40 ... First company server, 50 ... User terminal, 100 ... Server computer, 101 ... Processor, 102 ... Main storage unit, 103 ... Auxiliary storage unit, 104 ... Communication unit, P1 ... Server program.

Claims (9)

A management system that manages user information
It is a request acquisition unit that acquires the first request from the server of the first business operator that provides the service to the user, and the first request is the use of the service from the user to the first business operator. It was sent by the first business operator based on the application of
A request acquisition unit that includes at least storage information associated with the user, the first business operator, and the bank with which the user has an account.
In response to the first request, a request information transmitting unit that transmits request information for registering, confirming, or updating predetermined attribute information regarding the user to the user terminal of the user, and according to the request information. An answer information receiving unit that receives the answer information transmitted from the user terminal, and the answer information includes the attribute information or confirmation information indicating the result of confirmation of the attribute information, and the answer information receiving unit.
A notification unit that notifies the bank and the first business operator of notification information indicating the content of the response information, and a notification unit.
Management system with. The first request is a storage request for the provision of services by the first business operator to the bank.
The management system according to claim 1. A management system that manages user information
It is a request acquisition unit that acquires a second request from a second business operator, and the second request is a storage request from a first business operator that provides a service to a user to a bank. Storage information that is transmitted from the second business operator in response to the reception by the person, and is associated with at least the user, the first business operator, and the bank in which the user has an account. The storage request includes the request acquisition unit and the request acquisition unit, which is transmitted from the first business operator based on an application from the user to use the service to the first business operator.
A request information transmission unit that transmits request information for registering, confirming, or updating predetermined attribute information regarding the user to the user terminal of the user in response to the second request.
An answer information receiving unit that receives answer information transmitted from the user terminal in response to the request information, and the answer information includes the attribute information or confirmation information indicating the result of confirmation of the attribute information. Information receiver and
A notification unit that notifies the second business operator of notification information indicating the content of the response information in order to notify the bank and the first business operator.
Management system with. The application for the use of the service is received by the server of the first business operator of the information that the predetermined operation object presented to the user terminal of the user by the server of the first business operator has been operated. based on,
The management system according to any one of claims 1 to 3. The request information includes at least one of an input form screen for inputting the attribute information and the attribute information acquired in the past.
The management system according to any one of claims 1 to 4. The answer information includes at least one of the attribute information input in the user terminal of the user and the answer indicating that there is no updated attribute information.
The management system according to any one of claims 1 to 5. The attribute information includes at least one of the user's face photograph and a copy of the identity verification document.
The management system according to any one of claims 1 to 6. It is a management method in a management system that manages user information.
It is a request acquisition step of acquiring the first request from the server of the first business operator that provides the service to the user, and the first request is the use of the service from the user to the first business operator. A request that is transmitted by the first business operator based on the application and includes at least storage information associated with the user, the first business operator, and a bank with which the user has an account. Acquisition step and
A request information transmission step of transmitting request information for registering, confirming, or updating predetermined attribute information regarding the user to the user terminal of the user in response to the first request.
An answer information receiving step of receiving the answer information transmitted from the user terminal in response to the request information, wherein the answer information includes the attribute information or confirmation information indicating the result of confirmation of the attribute information. Information reception step and
A notification step for notifying the bank and the first business operator of notification information indicating the content of the response information, and
Management method with. It is a management method in a management system that manages user information.
It is a request acquisition step of acquiring a second request from a second business operator, and the second request is a storage request from a first business operator providing a service to a user to a bank. Storage information that is transmitted from the second business operator in response to the reception by the person, and is associated with at least the user, the first business operator, and the bank in which the user has an account. The storage request includes the request acquisition step, which is transmitted from the first business operator based on the user's application for the use of the service to the first business operator.
A request information transmission step of transmitting request information for registering, confirming, or updating predetermined attribute information regarding the user to the user terminal of the user in response to the second request.
An answer information receiving step of receiving the answer information transmitted from the user terminal in response to the request information, wherein the answer information includes the attribute information or confirmation information indicating the result of confirmation of the attribute information. Information reception step and
A notification step of notifying the second business operator of notification information indicating the content of the response information in order to notify the bank and the first business operator.
Management method with.

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