JP4495823B2 - Customer information providing system, customer information providing method, and computer program product for causing computer system to provide customer information - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a customer information providing system, a customer information providing method, and a computer program product for causing a computer system to provide customer information, for example, for applying for an account transfer contract.
[0002]
[Prior art]
For example, an account transfer contract such as a telephone fee is established based on an agreement between a storage company, a bank, and a contractor.
[0003]
That is, in a normal application for an account transfer contract, a storage company receives a predetermined account transfer approval form from a contractor, and then forwards it to a bank for registration process of account transfer.
[0004]
[Problems to be solved by the invention]
By the way, when performing such processing, the contractor needs to create a consent form in which various customer information such as his / her account number, account name, bank name, etc. is entered and a notification stamp is pressed. In addition, after forwarding the consent form to the bank, the storage company confirms that the items entered in the consent form and the registration seal etc. have been checked at the bank, and then performs the above transfer process. Registration is required. For this reason, it takes a long time to finally conclude an account transfer contract. For example, in the case of account transfer, there is a possibility that the start of use of a telephone or the like and the receipt of goods may be delayed.
[0005]
The present invention has been made in view of such circumstances, and an object thereof is to provide a customer information providing system capable of, for example, improving the efficiency and simplification of an account transfer contract procedure.
[0006]
[Means for Solving the Problems]
According to the first aspect of the present invention, a provision permission information issuing unit that issues provision permission information based on a customer information provision permission request from a customer, and a customer information provision request from a person other than the customer A customer information providing system is provided that includes a customer information providing unit that provides the customer information to a person other than the customer based on being presented together with the provision permission information.
[0007]
According to such a configuration, the customer can provide information necessary for the transaction to a person other than the customer based on the permission of the customer. A person other than the customer can confirm the customer's intention to trade and obtain information necessary for the transaction.
[0008]
When this customer information provision system is connected to a bank and a customer is presented with customer information presentation permission based on a bank transfer application to the bank, the storage company is based on the customer's intention. Since customer information such as an account number can be obtained from a bank (directly or indirectly) based on the presentation permission, an account transfer contract can be concluded on the spot.
[0009]
Here, according to one embodiment, the customer information provided to a person other than the customer preferably includes authentication information indicating that the customer is a legitimate customer. According to such a configuration, customer's credit is guaranteed.
[0010]
According to one embodiment, the permission information issuing unit preferably generates a unique authentication symbol as the authentication information and presents it to a person other than the customer. According to such a structure, it becomes possible to refer to the transaction between the customer and a person other than the customer later.
[0011]
According to one embodiment, the system further includes a transaction information registration process for registering transaction information when a person other than the customer has presented transaction information with the customer together with the unique authentication information. Part. According to such a configuration, for example, account transfer processing (transaction information) can be registered based on the intentions of the customer and a person other than the customer.
[0012]
According to one embodiment, in the customer information providing system, customer information provided to a person other than the customer includes authentication information indicating that the customer has a transaction. Such a configuration also makes it possible to guarantee the customer's credit.
[0013]
According to one embodiment, customer information provided to a person other than the customer includes a past transaction record of the customer. Such a configuration also makes it possible to guarantee the customer's credit.
[0014]
According to one embodiment, customer information provided to a person other than the customer includes some intention of the customer. According to such a configuration, it becomes possible to communicate the customer's intention to a person other than the customer.
[0015]
According to one embodiment, in the customer information providing system, the customer information providing unit sends a request for providing the customer information within a predetermined time from the provision permission information issuance by the provision permission information issuing unit. When presented together, customer information of the customer is provided to a person other than the customer. According to such a configuration, it is possible to increase security when providing customer information.
[0016]
According to one embodiment, in the customer information providing system, the customer information providing unit, when a provision request for the customer information is presented together with the provision permission information, is limited to a predetermined number of times. Information is provided. According to such a configuration, it is possible to increase security when providing customer information.
[0017]
According to an embodiment of the present invention, the customer information providing system further includes a customer security information management unit that holds customer security information, and the provision permission information issuing unit is configured to access the customer by the customer security information management unit Is provided, the provision permission information is issued. According to such a configuration, it is possible to increase security when providing customer information.
[0018]
According to one embodiment, the customer information providing unit provides customer information within a range corresponding to the level of importance of the customer information. According to such a configuration, it is possible to increase security when providing customer information.
[0019]
According to a second main aspect of the present invention, there is provided a customer information providing method for issuing customer information using a computer system, and issuing provision permission information based on a customer information provision permission request from a customer. A provision permission information issuance step, and a customer information provision step for providing the customer information to a person other than the customer based on the request for provision of the customer information presented together with the provision permission information from a person other than the customer. A method for providing customer information is provided.
[0020]
According to a third main aspect of the present invention, there is provided a computer program product for causing a computer system to provide customer information, a storage medium, and provision of customer information from a customer stored in the storage medium. A provision permission information issuing unit for issuing provision permission information based on a permission request; and a storage request stored on the storage medium based on a request for provision of the customer information presented together with the provision permission information from a person other than the customer A computer program product for causing a computer system to provide customer information to a computer system characterized by having a customer information providing unit that provides the customer information to a person other than the customer is provided.
[0021]
Other features and significant effects of the present invention will be clearly understood by those skilled in the art with reference to the embodiments of the present invention and the accompanying drawings.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, as an embodiment of the present invention, for example, a case where a bank customer concludes an account transfer contract for paying a mobile phone fee by course transfer will be described as an example.
[0023]
FIG. 1 is a block diagram showing a processing procedure, and FIG. 2 is a schematic configuration diagram of the system.
[0024]
In FIG. 1, 1 is a bank as a customer information accumulator, 2 is a mobile phone seller as an information recipient (a person other than the customer), and 3 is a customer.
[0025]
Here, an information providing system 5 according to an embodiment of the present invention is connected to a bank 1 as a customer information accumulator. Further, as shown in FIG. 2, the information providing system 5 is configured to be able to exchange information with the terminal device 7 (for example, a mobile phone) of the customer 3 through the bank 1, and the mobile phone seller 2 Information is exchangeable directly with the terminal device 8 (for example, a mobile phone).
[0026]
The information providing system 5 receives customer information such as an account number, account holder name, transaction information, and account balance from the bank 1 and stores the customer information in the bank 1, and determines whether to provide customer information in the bank 1. Based on this, for example, a sequence number # 1 issuing unit 11 (providing permission information issuing unit) that generates and provides a unique sequence number # 1 (presentation permission information), and customer information stored in the customer information storage unit 10 are provided. A customer information providing unit 12 for taking out and providing to the mobile phone seller 2 based on the sequence number # 1 presented by the mobile phone seller 2;
[0027]
The customer information storage unit 10 has a function of storing customer information received from the bank 1 in the customer information storage unit 14. The provision permission information issuing unit 11 stores the issued sequence number # 1 in the sequence number storage unit 15 in association with the customer information.
[0028]
Further, the customer information providing unit 12 controls the access control unit 17 that controls access from the mobile phone seller 2 based on the sequence number # 1 based on predetermined restriction information, and the mobile phone seller 2 A sequence number # 2 generator 18 for issuing a unique sequence number # 2 is further provided.
[0029]
The access control unit 17 accepts only accesses within a predetermined time (for example, within 5 minutes after issuance) based on the elapsed time since the issue of the sequence number # 1. It also has a function of counting the number of input mistakes for sequence number # 1 and allowing access only within a predetermined number of times.
[0030]
Moreover, it is preferable that the above-described configuration of the system 5 is actually configured by a main program, a subroutine program, and other components stored in a fixed storage device (storage medium) provided in the computer system.
[0031]
Hereinafter, an example of an account transfer contract application procedure using this system 5 will be described with reference mainly to FIG. In FIG. 1, S1 to S13 indicate step numbers indicating the processing order.
[0032]
First, the customer 3 meets the mobile phone seller 2 directly or through the telephone or the Internet with the terminal 7 and applies for the use of the mobile phone (step S1). In this case, the mobile phone seller 2 may want to know that the customer 3 is the principal and whether or not the payment of the telephone fee is certain. Therefore, the mobile phone seller 2 requests the customer 3 to conclude an account transfer contract as a method of paying the telephone fee.
[0033]
In this case, the customer 3 uses his / her terminal 7 (mobile terminal or fixed terminal) to make an account transfer contract, so he / she calls the call center of the bank 1 where he / she is a customer (having a bank account). . In the call center, it is confirmed by the customer number (call center member number) and the personal identification number that the customer 3 is an authorized person (steps S2 and S3). The customer 3 who has received the identity confirmation applies for a mobile phone account transfer (step S4). At this time, the customer 3 transmits the “company code” of the mobile phone seller registered in advance in the bank in order to specify the contract company of the account transfer.
[0034]
Next, the bank 1 call center confirms the company code and application details (application for an account transfer contract) and confirms that it can be accepted. If it is determined that the application can be accepted, the customer's intention to apply is confirmed by, for example, a method such as answering back to a registered portable terminal or a fixed telephone, and then the customer information providing system 5 receives the customer's customer Information is transferred (step S5).
[0035]
The series of processes in the bank 1 described above may be configured to be performed mechanically using an Internet banking system, for example. In this case, as shown in FIG. 2, the bank 1 includes a customer confirmation unit 21 for confirming the legitimacy of the customer 3, an account transfer application reception unit 22 that receives and stores an application for account transfer, and the account transfer. A customer information transmission unit 23 for transferring predetermined customer information to the customer information providing system 5 when the application reception unit 22 determines that the application can be received; In addition, the customer information transmission unit 23 is configured to be able to select a range of customer information to be transmitted to the information providing system 5 according to application contents (in this case, an account transfer application) or by customer designation. desirable. In this case, for example, the range of customer information such as including only the account number and not only the account number but also the balance information is set according to the customer designation (confidentiality 1, confidentiality 2).
[0036]
In this embodiment, it is assumed that the bank code, the store number, the subject, the account number, the account holder name, the company code, and the application content are transferred to the customer information providing system 5 as the customer information.
[0037]
If this customer information is received, the customer information storage unit 10 of the providing system 5 stores it in the customer information storage unit 14. The sequence number # 1 issuing unit 11 generates “sequence number # 1” based on the accumulation of the information and transmits it to the bank call center (step S6 in FIG. 1). The sequence number # 1 is stored in the sequence number storage unit 15 in association with the customer information.
[0038]
Next, the call center of the bank 1 transmits the sequence number # 1 to the customer 3 (step S7). As a result, communication between the customer 3, the bank call center, and the customer is disconnected.
[0039]
The customer 3 who has acquired the sequence number # 1 then notifies the mobile phone seller 2 that the application for account transfer has been completed and also transmits the sequence number # 1 (step S8).
[0040]
The mobile phone seller 2 who has received the sequence number # 1 accesses the information providing system 5 through his / her terminal 8 and receives the necessary personal authentication using the company code, user number, terminal number, password and the like. . After authentication, the information recipient transmits sequence number # 1 to the information providing system 5 (step S9).
[0041]
The access control unit 17 of the information providing system 5 retrieves the sequence number # 1 from the sequence number storage unit 15, searches the customer information storage unit 14 using this as a key, and uses the authentication information and the company code of the seller 2 After confirming that the customer information may be transmitted, the customer information provided from the bank 1 is provided to the mobile phone seller 2 (step S10).
[0042]
As a result, the mobile phone seller 2 obtains the bank code, the store number, the subject, the account number, the account holder name, the company code, and the application reason as the customer information, and can confirm the application contents from the customer 3. It becomes possible. On the other hand, the information providing system 5 erases the sequence number based on the provision of the sequence number # 1 to the mobile phone seller 2, and transmits the erase information to the bank 1 (step S11). Next, the sequence number # 2 generation unit 18 generates a sequence number # 2 and transmits it to the mobile phone seller 2 (step S10).
[0043]
Next, the mobile phone seller 2 enters this sequence number # 2 on the application form in which the account number and the like are entered (step S12), and then sends this application form to the bank 1 (step S13). Based on this application form, the bank 1 registers the account transfer process in the system. It should be noted that registration of the account transfer processing into the bank system may be automatically performed based on the fact that the customer information providing system has transmitted the sequence number # 2 to the mobile phone seller.
[0044]
Through this series of steps, the mobile phone seller 2 can receive the customer information permitted by the customer 3 from the bank 1 through the information providing system 5 and confirm the application contents. Since this customer information is received from the bank 1 based on the customer's intention and the account confirmation by the bank, the account transfer contract is concluded by this series of flows.
[0045]
According to such a configuration, there is an effect that the process of concluding an account transfer contract, which has been conventionally complicated, can be easily and quickly performed.
[0046]
In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.
[0047]
For example, the information providing system 5 may be placed in the bank 1 or in an intermediary such as an information provider other than the bank.
[0048]
Moreover, although the said one embodiment demonstrated taking the case of making a contract of a mobile telephone as an example, it is not limited to this. That is, the information recipient (person other than the customer) is the mobile phone seller 2, but is not limited thereto. Any person who wishes to receive authenticated predetermined customer information in a transaction with a customer may be used. Furthermore, in the above-described embodiment, the bank is cited as the information accumulator, but the present invention is not limited to this.
[0049]
In the above-described embodiment, an example in which the information receiver and the customer face each other and make a transaction or an application has been described. For example, the information receiver may describe the company code and the reason for application in the advertisement, and the customer may request information provision from, for example, a bank at an arbitrary time.
[0050]
In the above embodiment, the customer information is provided by receiving access from the information receiver (mobile phone seller). However, the present invention is not limited to this. For example, an information recipient (a person other than a customer) may receive trigger information (for example, an e-mail) from the information providing system 5 and access it as a trigger.
[0051]
Further, the information providing system 5 may be configured to notify the customer when a person other than the customer receives the customer information. Further, in the above-described embodiment, the customer has received the sequence number via the information accumulator, but may receive it directly.
[0052]
【The invention's effect】
As described above, according to the present invention, it becomes possible for a person other than the customer to receive the authenticated customer information with the permission of the customer, thereby confirming the customer's transaction intention and being necessary for the transaction. Information can be obtained.
[Brief description of the drawings]
FIG. 1 is a block diagram for explaining a processing procedure according to an embodiment of the present invention.
FIG. 2 is a configuration diagram schematically showing the system.
[Explanation of symbols]
1 ... Bank 2 ... Mobile phone seller (non-customer)
3 ... customer 5 ... customer information providing system 7 ... mobile phone seller terminal 8 ... customer terminal 10 ... customer information accumulating unit 11 ... sequence number # 1 issuing unit (providing permission information issuing unit)
12 ... Customer information providing unit 14 ... Customer information storage unit 15 ... Sequence number storage unit 17 ... Access control unit 18 ... Sequence number # 2 generation unit

Claims (7)

A method of processing a direct debit agreement for a transaction based on a bank customer applying for a transaction with a storage company,
Banking system
A customer confirmation step of receiving a request from the customer's terminal and verifying the customer's identity and identifying the customer's information;
Accepting an account transfer contract application from the customer terminal in association with the customer information and the storage company information received from the customer terminal;
Based on the acceptance of the fund transfer contract application, the customer information and the storage company information are transmitted to the customer information providing system, and the first number associated with the fund transfer contract application is Sending to the customer;
The customer information providing system is
Receiving and storing the customer information and storage company information from the bank system;
The first number is generated based on receipt of the customer information and storage company information, and is stored in association with the customer information and storage company information, and the first number is stored in the bank system. Sending to
Based on the reception of the first number from the storage company system, it is determined whether the storage company information and the first number are stored in each information providing system. In the case, a second number generating step for generating a second number;
Sending the customer information identified by the first number to the storage company's system along with the second number and sending the erasure information to the bank system;
Have
The bank system system-registers an account transfer contract related to the account transfer application based on the second number received from the storage company and the erase information received from the customer information providing system. Account transfer contract application processing method. In the fund transfer contract application processing method according to claim 1,
The customer information providing system includes:
A step of providing the customer information to the storage company when the customer information provision request is presented together with the first number within a predetermined time from the first number issuance. An account transfer contract application processing method as a feature. In the fund transfer contract application processing method according to claim 1,
When the customer information provision request is presented together with the first number, the customer information provision system provides the customer information only for a predetermined number of times. Application processing method. A banking system for processing an account transfer agreement for a transaction based on a bank customer applying for a transaction with a storage company,
Customer confirmation means for receiving a request from the customer's terminal and confirming the customer's identity, and identifying the customer's information;
Account transfer contract application acceptance means for accepting an account transfer contract application from the customer terminal in association with the customer information and the storage company information received from the customer terminal;
Based on the acceptance of the fund transfer contract application, the customer information and the storage company information are transmitted to the customer information providing system, and the first number associated with the fund transfer contract application is A customer information transmitting means for transmitting to the customer;
The customer information providing system includes:
Receiving and storing the customer information and storage company information from the bank system;
The first number is generated based on receipt of the customer information and storage company information, and is stored in association with the customer information and storage company information, and the first number is stored in the bank system. Sending to
Based on the reception of the first number from the storage company system, it is determined whether the storage company information and the first number are stored in each information providing system. In the case, a second number generating step for generating a second number;
Sending the customer information identified by the first number to the storage company's system along with the second number and sending the erasure information to the bank system;
Is to execute
This bank system registers an account transfer contract related to the account transfer application based on the second number received from the storage company and the erase information received from the customer information providing system. A banking system characterized by that. A customer information system for processing a direct debit agreement for a transaction based on a bank customer applying for a transaction with a storage company,
Banking system
A customer confirmation step of receiving a request from the customer's terminal and verifying the customer's identity and identifying the customer's information;
An account transfer contract application receiving step for accepting an account transfer contract application from the customer terminal in association with the customer information and the storage company information received from the customer terminal;
Based on the acceptance of the fund transfer contract application, the customer information and the storage company information are transmitted to the customer information providing system, and the first number associated with the fund transfer contract application is And a customer information transmission process to be transmitted to the customer.
This customer information provision system
Customer information storage means for receiving and storing the customer information and storage company information from the bank system;
The first number is generated based on receipt of the customer information and storage company information, and is stored in association with the customer information and storage company information, and the first number is stored in the bank system. First number generating means for transmitting to
Based on the reception of the first number from the storage company system, it is determined whether the storage company information and the first number are stored in each information providing system. A second number generating means for generating a second number;
Means for transmitting the customer information identified by the first number to the storage company system together with the second number, and transmitting the erasure information to the bank system;
Having
The bank system system-registers an account transfer contract related to the account transfer application based on the second number received from the storage company and the erase information received from the customer information providing system. A customer information providing system characterized by that. The customer information providing system according to claim 5,
A means for providing customer information to the storage company when the customer information provision request is presented together with the first number within a predetermined time from the first number issuance. A featured customer information provision system. The customer information providing system according to claim 5,
When the customer information provision request is presented together with the first number, the customer information is provided only for a predetermined number of times.

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