JP5456117B2 - Contract application method and contract application system - Google Patents

Description

  The present invention relates to a contract application method and a contract application system for linking a bank account and a securities company's securities trading account.

  In recent years, Internet banking provided by banks has become widespread, and bank account balance inquiry, transfer, transfer, and the like are performed using a home PC, mobile terminal, or the like. In addition, securities transactions via the Internet provided by securities companies are also widespread, and trading of stocks and the like is performed using home PCs, mobile terminals, and the like.

  In such an environment, a bank account and a securities trading account of a securities company are linked to improve the convenience of transactions between the bank and the securities company. Specifically, it is convenient for the customer if the balance of the bank account can be inquired from the securities trading system of the securities company or the mutual funds can be easily transferred.

  Here, in order to link the bank account and the securities trading account of the securities company, it is necessary to accept the application from the customer. For example, when a customer applies for such a contract from a bank system, it is necessary to prepare a store number, an account number, a course, etc. for identifying his / her securities account, and enter them on a PC or mobile terminal. It is considered to be.

  However, the application procedure as described above is complicated for the customer, and the complexity increases when the bank applying for cooperation has a plurality of bank accounts.

  The present invention has been made in view of such problems, and the purpose of the present invention is to link a bank account and a securities company's securities trading account so that a customer can more easily carry out the procedure. To provide a contract application method and a contract application system.

  In order to achieve such an object, a contract application method according to an embodiment of the present invention includes receiving an Internet banking contractor number associated with one or more bank accounts from a customer terminal, Identifying the one or more bank accounts included in a first database based on the received contractor number, and for one of the identified one or more bank accounts, Registering a contract in the second database of the accounting system and receiving a registration result from the accounting system; and if the received registration result is NG, canceling the contract registered in the second database; A step of transmitting an application result (NG) to the securities system and, if the received registration result is OK, the one or more specified bank accounts; And the step of registering a contract in the second database for the remaining bank account if the specified one or more bank accounts remain And sending an application result (OK) to the securities system if the specified one or more bank accounts do not remain.

  The contract application system according to an embodiment of the present invention is based on a means for receiving an internet banking contractor number associated with one or a plurality of bank accounts from a customer terminal and the received contractor number. And means for identifying the one or more bank accounts included in the first database and a second database of the accounting system for one of the identified one or more bank accounts. Means for registering a contract to the account system, and if the received registration result is NG, the contract registered in the second database is canceled and the application result (NG) is stored in the securities system. And means for determining whether the specified one or more bank accounts remain if the received registration result is OK; If the identified one or more bank accounts remain, means for repeating the step of registering a contract in the second database for the remaining bank accounts; and the identified one or more bank accounts Means for transmitting an application result (OK) to the securities system when no bank account remains.

1 is a configuration diagram of a system according to an embodiment of the present invention. It is a figure which shows the database which concerns on one Embodiment of this invention. It is a figure which shows the processing flow of the contract application method which concerns on one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol represents the same thing in several drawing, and the repeated description is abbreviate | omitted.

  FIG. 1 is a diagram showing a configuration of a system according to an embodiment of the present invention.

  The customer terminal 101 can access the securities system 103 via a network 102 such as the Internet. The securities system 103 is generally composed of a plurality of server computers, and provides services such as buying and selling of stocks, balance inquiry, deposit and withdrawal, etc. to the accessing customer terminal 101. The customer terminal 101 can also access an internet banking system (hereinafter referred to as an IB system) 104 via the network 102. The IB system 104 is generally composed of a plurality of server computers, and provides Internet banking services such as bank account balance inquiry, transfer, and transfer to the accessing customer terminal 101. In addition, the securities system 103 and the IB system 104 are connected by a dedicated line or the like, and can communicate with each other using a telegram. The electronic statement can include an Internet banking contractor number (hereinafter referred to as an IB contractor number), a bank account store number, an account number, a subject code, and the like, which will be described later.

  The IB system 104 includes a message reception unit 111 and a message transmission unit 112 for communicating messages with the securities system 103 and the billing system 105. The IB system 104 is also connected to a billing system 105 used for the basic business of a bank by a dedicated line or the like, and can communicate with each other using a telegram. Further, referring to a database 117 described later, an account specifying unit 113 for specifying an account associated with the IB contractor number, a registration result determining unit 114 for determining a registration result received from the account system 105, and specifying A remaining account determination unit 115 for determining whether or not the bank account is left.

  As shown in FIG. 2, the database 117 of the IB system 104 includes an IB subscriber number assigned to a customer who uses Internet banking, as shown in FIG. 2, and the IB subscriber number includes one or more IB subscriber numbers. Your bank account is linked. For example, in FIG. 2, an A bank savings account and a B bank savings account are linked to the IB contractor number. In this case, a user of Internet banking can use the Internet banking service with these two bank accounts.

  The billing system 105 includes a message reception unit 121 and a message transmission unit 122 for communicating messages with the IB system 104. Further, a contract registration unit 123 for registering a contract with a database 127 described later and a contract cancellation unit 124 for canceling the contract are provided.

  As shown in FIG. 2, the database 127 of the account system 105 includes a customer's bank account for each store as shown in FIG. 2, and whether a death report has been submitted for the account or whether the identity has been confirmed. Information. A contract cannot be registered if a death notice has been submitted or identity verification has not been completed.

  The computer constituting the customer terminal 101 and the securities system 103, the IB system 104, and the bill system 105 includes a processing device (CPU), a memory, a storage device, and the like, and is a computer stored in the memory or the storage device The processing is comprehensively controlled by the processing unit (CPU) processing the program, and the processing according to the present invention can be performed to realize the function. Note that the above-described system configuration is for illustration, and does not limit the system configuration in which the present invention can be implemented.

  Next, a processing flow of the contract application method according to an embodiment of the present invention will be described with reference to FIG. In the present invention, a customer who desires cooperation between a bank account and a securities company's securities trading account first accesses the IB system 104.

  In step 301, the IB system 104 receives an IB subscriber number from the customer terminal 101 to pre-query the customer's bank account.

  In step 302, the IB system 104 queries the database 117, identifies one or more bank accounts associated with the received IB contractor number, and sends a query result message including contractor information and customer information to the securities system 103. Send to.

  In step 303, the securities system 103 compares the received bank side customer information with the customer information registered in the securities system 103, and if the customer information of the two matches, then the registration including the IB contractor number is performed. A request message is transmitted to the IB system 104.

  In step 304, the IB system 104 identifies one or more bank accounts based on the IB subscriber number included in the registration request message.

  Next, in step 305, a registration request message is transmitted to the billing system 105 for one of the specified bank accounts.

  In step 306, the billing system 105 registers a contract in the database 127 for the bank account included in the registration request message. In addition, it is checked with reference to the database 127 whether a death report has been submitted for the account or whether the identity has been confirmed. Referring to FIG. 2, even if the bank account of the same customer, there is a case where a death report is submitted to the A store but a death report is not submitted to the B store. In such a case, the registration result is NG. On the other hand, if there is no such problem, the registration result is OK. In this way, the billing system 105 determines whether or not a contract can be made, and transmits a registration result message including the registration result to the IB system 104.

  In step 307, the IB system 104 determines whether the registration result included in the registration result message is OK or NG. If the registration result is NG, the process proceeds to step 308.

  In step 308, a registration cancellation request message is transmitted from the IB system 104 to the billing system 105. Next, in step 309, the billing system 105 cancels the registration of the contract made to the database 127 and transmits a cancellation result message to the IB system 104. In step 310, when receiving the cancellation result message, the IB system 104 notifies the securities system 103 of the application result of the contract as NG.

  On the other hand, if the registration result is OK in step 307, the process proceeds to step 311. Here, it is determined whether or not the bank account specified in step 304 remains. If the identified bank account remains, the process returns to step 305 and the contract registration process is repeated for the remaining bank account. On the other hand, if the specified bank account does not remain, the process proceeds to step 312.

  In step 312, the IB system 104 notifies the securities system 103 of the application result as OK.

  In step 313, the securities system 103 receives the application result (NG or OK) and ends the process.

  As described above, the present invention accepts an application for a contract for linking a bank account and a securities trading account of a securities company using an Internet banking contractor number, and is linked to the Internet banking contractor number. Register a contract for a bank account. Further, the registration of the contract is performed for each one or a plurality of bank accounts, and when there is a problem with one bank account, the application for the contract is NG. According to the present invention, a customer can apply for a contract simply by inputting an Internet banking contractor number, and the procedure can be performed more easily.

DESCRIPTION OF SYMBOLS 101 Customer terminal 102 Network 103 Securities system 104 Internet banking system 105 Account system 111 Message reception 112 Message transmission 113 Account identification 114 Registration result determination 115 Remaining account determination 117 Database 121 Message reception 122 Message transmission 123 Contract registration 124 Contract cancellation 127 Database

Claims (3)

A contract application method for linking a bank account with a securities company's securities trading account,
Receiving an internet banking subscriber number associated with one or more bank accounts from a customer terminal;
Identifying the one or more bank accounts included in a first database based on the received subscriber number;
Registering a contract in a second database of an accounting system for one of the identified one or more bank accounts and receiving a registration result from the accounting system;
If the received registration result is NG, canceling the contract registered in the second database and sending the application result (NG) to the securities system;
If the received registration result is OK, determining whether the identified one or more bank accounts remain;
If the identified one or more bank accounts remain, repeating the step of registering a contract in the second database for the remaining bank accounts;
And a step of transmitting an application result (OK) to the securities system when the specified one or more bank accounts do not remain.   A computer program for causing a computer to execute the contract application method according to claim 1. A contract application system for linking a bank account with a securities company's securities trading account,
Means for receiving an internet banking subscriber number associated with one or more bank accounts from a customer terminal;
Means for identifying the one or more bank accounts included in a first database based on the received subscriber number;
Means for registering a contract in a second database of an accounting system for one of the identified one or more bank accounts, and receiving a registration result from the accounting system;
Means for canceling the contract registered in the second database and transmitting the application result (NG) to the securities system if the received registration result is NG;
Means for determining whether the identified one or more bank accounts remain if the received registration result is OK;
Means for repeating the step of registering a contract in the second database for the remaining bank account if the one or more identified bank accounts remain;
A contract application system comprising: means for transmitting an application result (OK) to the securities system when the specified bank account or bank accounts do not remain.

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