JP7133595B2 - Withdrawal account registration server and withdrawal account registration method - Google Patents

Description

The present invention relates to a withdrawal account registration server and a withdrawal account registration method for registering a withdrawal deposit account used for account transfer.

2. Description of the Related Art Account transfer, in which charges are automatically withdrawn from a bank account at a financial institution such as a bank, is often used to pay regularly occurring charges such as public utility charges, rent, and monthly membership fees. In order to register such an account transfer, a user who has a deposit account at a bank or other financial institution must fill in the necessary information on documents such as a deposit account transfer request form and submit it to the bank or other financial institution. It is common to affix a seal and submit it to a company that collects fees or a collection agency that collects fees on behalf of the company.

Some of the documents, such as the bank account transfer request form submitted to the receiving company or receiving agency, will be forwarded to the bank or other financial institution where the bank account designated for account transfer is opened. Account transfer registration will be done. Since it takes a certain amount of time (usually about 1 to 2 months) to register an account transfer through these procedures, the bank account transfer registration procedure will be shortened in order to address the issue of how to shorten this period. There is a demand for promoting paperless operations (see, for example, paragraphs 0002-0003 of Patent Document 1).

In response to these issues, a direct debit contract is used in which a user who wishes to register a debit account uses an ATM or Internet banking to directly access the server of a financial institution such as a bank where a deposit account has been opened and apply for a debit account. Inventions related to systems and the like have been disclosed (see, for example, Patent Documents 1 and 2).

JP-A-2005-92684 JP 2009-245457 A

The inventions using ATMs and Internet banking disclosed in Patent Document 1 facilitate the registration of account transfers. From the point of view of the customer, the financial institution with which the customer does business differs, so it is necessary to guide each customer on how to pay the fee by account transfer according to the financial institution desired by each customer, and the paperwork is extremely difficult. The problem is that it becomes complicated.

Also, from the point of view of a user who pays fees by account transfer, if he or she has opened deposit accounts at multiple financial institutions and wants to use these accounts separately when using account transfer, the account transfer will be performed by the financial institution. If the procedure for registration is different, it is rather troublesome, and in the end, the conventional method using documents such as a deposit account transfer request form is selected, and the registration of account transfer using Internet banking etc. is not promoted. There is

In this way, in order to promote paperless account transfer, there is a limit to what each financial institution can do with Internet banking. There is a need for a cross-sectional common platform for financial institutions that contributes to the efficiency of procedures at each financial institution that has a deposit account used for account transfer, such as a company that collects fees paid by customers.

SUMMARY OF THE INVENTION The present invention has been made in order to solve such problems. The object is to provide an account registration method.

The present invention to solve such problems is a user terminal operated by the user, a financial institution where the user's deposit account is opened, or a collection service that acts as a proxy for collection of the predetermined fee paid by the user. A withdrawal account registration server connected via a network to at least one of the computer systems of the agency, wherein the user specifies the withdrawal account for account transfer specified by the information received from the user terminal. account confirmation means for confirming the existence of a designated deposit account; identity confirmation means for confirming that a sender of user information about the user received from the user terminal is the user himself/herself; and said account confirmation When the deposit account confirmed by the means is determined to be the deposit account held by the user whose identity has been verified by the identity verification means, the said deposit account is used by the user as a withdrawal account for account transfer. and an account registration means for registering a deposit account to be used in connection with the user, and the account information used by the account confirmation means to confirm the existence of the deposit account is written in kana characters. The user information confirmed by the identity verification means includes information about the account holder who has been registered, and the user information that can identify the name of the user is included, and the account registration means With regard to the name of the subscriber of the mobile phone that contains furigana written in kana characters, obtained using the phone number of the mobile phone of By meeting predetermined conditions, including that the name of the user specified by the kana written in characters and the name of the user specified by the user information and the name of the contractor are at least the same person, The withdrawal account registration server determines that the deposit account confirmed by the account confirmation means is the account held by the user whose identity has been confirmed by the identity confirmation means.

In the present invention, instead of directly accessing the computer system of each financial institution where a deposit account is opened for a user to register account transfer through Internet banking, etc., the user who has completed identity verification uses the computer system for account transfer. By configuring a deposit account to be registered in the withdrawal account registration server according to the present invention, when registering an account transfer, a user whose identity has been verified can register an account at each financial institution via the withdrawal account registration server according to the present invention. Information on the deposit account specified as the withdrawal account for transfer can be provided, and a cross-sectional financial institution common platform for registering account transfer is realized.

Further, in the present invention, the account information used by the account confirmation means to confirm the existence of a deposit account includes information about the account holder written in kana characters, and the identity confirmation means confirms the existence of the account. The user information includes information that can identify the name of the user, and the account registration means acquires the phone number of the mobile phone of the user as a key, and uses the phone number of the user's mobile phone as a key. with regard to the name of the mobile phone subscriber including the name of the account holder in kana characters included in the account information, the kana characters of the name of the subscriber, and the user specified from the user information The deposit account confirmed by the account confirmation means is confirmed by the identity confirmation means by meeting a predetermined condition including that the name of the contractor and the name of the contractor are at least the same person. It can also be characterized in that it is determined to be a deposit account held by the user for whom the transaction was performed.

With this configuration, even if the name of the account holder of the deposit account used for account transfer is written in kana characters and the name of the user whose identity has been verified is recognized in characters including kanji characters, the account name It becomes possible to determine by a simple method that a person is the same person as the user whose identity has been verified.

The present invention can also be characterized by comprising account information transmission means for transmitting information relating to the deposit account registered by the account registration means to a computer system of the financial institution where the deposit account is opened.

With this configuration, even a financial institution where a deposit account used for account transfer has been opened can quickly understand that the user's deposit account managed by itself has been designated as a withdrawal account for account transfer. becomes possible.

In addition, the present invention provides a storage destination specifying means for specifying a storage destination for receiving a predetermined fee by account transfer from information received from a user terminal, information on the storage destination, and the account registration means for the user. a receipt information transmission means for transmitting, as receipt information, information on the deposit account registered in association with the deposit account to a financial institution in which the deposit account is opened or to a collection agency acting on behalf of the receipt of the predetermined fee. It can also be characterized by

With this configuration, the financial institution where the deposit account used for account transfer is opened not only confirms that the user's deposit account managed by itself is designated as the withdrawal account for account transfer, but also It will also be possible to obtain information on the destination of the registered account transfer via the network in a paperless manner.

Furthermore, in the above configuration, the present invention is capable of registering two or more deposit accounts in association with one user in the account registration means, and registered in the account registration means, an account selection reception means for receiving selection of one of two or more deposit accounts associated with the user to be used for account transfer, wherein the receipt information transmission means is received by the account selection reception means; It may be characterized in that information relating to the deposit account is included in the storage information and transmitted.

In this way, if a user can register multiple deposit accounts as a withdrawal account for account transfer, the withdrawal will be made at the same time when specifying the receiving destination for account transfer. By selecting the deposit account to be used as the account, the user can easily register a different deposit account for each receiving destination as the deposit account to be used as the withdrawal account.

Further, in the above configuration, the present invention provides information on the storage location specified by the storage location specifying means, information on the deposit account transmitted by the storage information transmission means, and a predetermined fee received by the storage location. When a request to delete any of the debit information registered in the debit information registration means and the debit information registered in the debit information registration means is received as the debit information to be debited from the deposit account, the debit information registration means Delete the withdrawal information and request the financial institution where the deposit account identified from the withdrawal information is opened or the collection agency that collects the predetermined fee on behalf of the bank to stop the account transfer corresponding to the withdrawal information. and a stop request transmitting means for transmitting.

With this configuration, when a user wants to stop payment to a receiving place to which he/she pays fees by account transfer, the user can easily do so without directly contacting the receiving place or the financial institution and carrying out the designated procedures. It will be possible to stop the account transfer with a simple procedure.

Further, in the above configuration, the present invention further comprises bill inquiry means for inquiring whether or not the user is billed for payment of a predetermined fee by bank transfer to the receiving destination specified by the receiving destination specifying means, The receipt information transmission means may transmit the receipt information when the bill introduction means confirms that there is the bill.

With such a configuration, since confirmation is made with the recipient as to whether or not there is an applicable bill before registering the account transfer, there will be a situation in which the account transfer is mistakenly registered for a claim that does not actually exist. can be prevented.

Further, according to the present invention, the account confirmation means reads an image of a cash card or deposit passbook received from the user terminal and recognizes the deposit account, and the identity confirmation means receives from the user terminal Verification of the image of the user included in the image of the received personal identification document and the image of the user taken by the user terminal, or the electronic certificate read from the personal identification document received from the user terminal It is also possible to confirm that the sender of the user information is the user himself/herself by making an inquiry to the public certification authority.

With this configuration, the user can use the image of the cash card, etc. of the bank account for which the account transfer is to be registered, the image of the identity verification document such as the driver's license or My Number card, or the identity verification read from the My Number card, etc. By sending the electronic certificate from a user terminal such as a smartphone, it is possible to register bank transfer paperless.

The present invention can also be specified as an invention relating to a method of registering a withdrawal account, which is executed by the withdrawal account registration server according to the present invention.

A method of registering a withdrawal account according to the present invention includes a user terminal operated by a user, a financial institution where the user's deposit account is opened, or a receiving agent that collects a predetermined fee paid by the user. A withdrawal account registration server connected via a network to at least one computer system of an agency designated by a user as a withdrawal account for account transfer specified by information received from the user terminal an account confirmation step of confirming the existence of a deposit account; and an identity confirmation step of confirming that the sender of the user information about the user received by the withdrawal account registration server from the user terminal is the user himself/herself. Then, when the withdrawal account registration server determines that the deposit account confirmed in the account confirmation step is the account held by the user whose identity has been confirmed in the identity confirmation step, the deposit account as a deposit account used by the user as a withdrawal account for account transfer, and an account registration step of registering the deposit account in association with the user, and confirming the existence of the deposit account in the account confirmation step The account information used for this purpose includes information about the account holder written in kana characters, and the user information to be confirmed in the identity verification step includes information that can identify the name of the user. In the account registration step, the withdrawal account registration server acquires the phone number of the user's mobile phone as a key, and the name of the subscriber of the mobile phone including furigana written in kana characters is: The kana characters of the account holder and the name of the contractor included in the account information are written in kana characters, and the name of the user and the name of the contractor specified from the user information are at least By meeting predetermined conditions including being determined to be the same person, the deposit account confirmed in the account confirmation step is the deposit account held by the user whose identity was confirmed in the identity confirmation step. A withdrawal account registration method characterized by determining that

Further, the method for registering a withdrawal account according to the present invention can also be specified as an invention relating to a method for registering a withdrawal account executed by each configuration of the above-described withdrawal account registration server according to the present invention.

According to the present invention, a cross-sectional financial institution common platform for users to register account transfer is realized, so that users can use account transfer to pay public utility charges, rent, monthly membership fees, etc. This will greatly contribute to the streamlining of procedures for registering account transfers and the promotion of paperless operations at each of the financial institutions that have opened deposit accounts used for account transfers, such as users and companies to which fees are collected. can be expected to

1 is a diagram showing an overview of an embodiment of a withdrawal account registration server according to the present invention; FIG. 1 is a block diagram showing the configuration of a withdrawal account registration server according to the present invention; FIG. FIG. 2 is a first diagram showing a specific example of registration of account transfer according to the present invention; FIG. 10 is a second diagram showing a specific example of registration of account transfer according to the present invention; FIG. 11 is a third diagram showing a specific example of registration of account transfer according to the present invention; Fig. 10 is a flow chart showing a first processing flow for registration of account transfer by the withdrawal account registration server according to the present invention (a case of registering a deposit account and a receipt destination at the same time). FIG. 7 is a first flowchart showing in detail a part of the processing in the processing flow of FIG. 6; FIG. FIG. 7 is a second flowchart showing in detail a part of the processing in the processing flow of FIG. 6; FIG. FIG. 7 is a third flowchart showing in detail a part of the processing in the processing flow of FIG. 6; FIG. Fig. 10 is a flow chart showing a second processing flow for registration of account transfer by the withdrawal account registration server according to the present invention (a case in which the deposit account is registered first); FIG. 10 is a flow chart showing a third processing flow (a case of additionally registering a deposit account) for registration of account transfer by the withdrawal account registration server according to the present invention; FIG. FIG. 10 is a flow chart showing a fourth processing flow of account transfer registration by the withdrawal account registration server according to the present invention (a case of registering a receipt destination after registration of a deposit account); FIG. Fig. 10 is a flow chart showing a processing flow for partially stopping a registered account transfer by the withdrawal account registration server according to the present invention;

Embodiments for carrying out the present invention will be described in detail below with reference to the drawings. In addition, the following description shows an example of the embodiment of the present invention, and the present invention is not limited to the embodiment shown below.

FIG. 1 shows an overview of an example of an embodiment of a withdrawal account registration server according to the present invention. In Figure 1, a withdrawal account registration server that can be accessed via the Internet from a customer terminal such as a smartphone and is connected to a computer system of a financial institution such as a bank system (A bank - C bank system) via a network. , corresponds to the withdrawal account registration server according to the present invention.

A customer who is a user of the present invention who wants to pay utility bills, rent, monthly membership fees, etc. by account transfer, uses an application program etc. executed on a customer terminal such as a smartphone to register a withdrawal account. Register the bank account to be used as the withdrawal account for account transfer in the database of the server. When registering a deposit account, the withdrawal account registration server queries the integrated ATM network to confirm the existence of the deposit account. The customer's identity is verified by matching the image of the customer's face photograph taken by the customer.

For a customer whose identity has been verified, when the existence of a deposit account to be used as a withdrawal account for account transfer is confirmed, the information on the customer and the deposit account used for the withdrawal account are associated and stored in the withdrawal account registration server database. registered with At that time, if the customer's name used for identity verification is recognized in characters including kanji, and the account holder of the deposit account is recognized in kana characters, it is necessary to confirm whether they are the same person. Therefore, the customer's mobile phone number is received from the customer's terminal, the subscriber information of the mobile phone is obtained by referring to the mobile carrier information server, and the subscriber's name written in characters including kana and kanji to confirm their match.

Information on the deposit account used by the customer registered in the withdrawal account registration server for the withdrawal account for account transfer is stored in the computer system of the financial institution where the deposit account is opened (A bank system - C bank system, etc.) is also sent.

When information on the storage destination is sent from the customer terminal based on a request from the storage destination to which the customer pays a predetermined fee, the storage destination server is inquired as necessary regarding the presence or absence of the request, etc. Information on the destination is also registered in the database of the withdrawal account registration server. The computer system of the financial institution (A bank system - C bank system, etc.) and the server of the receiving agency acting on behalf of the receiving company, together with the information on the deposit account used by the customer for the withdrawal account for account transfer, and the receiving destination Information about is sent.

With the above configuration, the withdrawal account registration server functions as a cross-sectional financial institution common platform for customers to register the use of account transfer for payment of various charges. A single customer can register deposit accounts of multiple different financial institutions on the withdrawal account registration server, so customers can use different deposit accounts for account transfers each time they specify a receiving destination. By deleting the information on the receiving destination registered in the withdrawal account registration server, the customer can stop the withdrawal of the fee to be paid to the receiving destination by account transfer.

FIG. 2 shows an example of the configuration of the withdrawal account registration server according to the present invention with blocks for each function. In FIG. 2, the withdrawal account registration server 10 connected to the customer terminal 20, the bank system 70, etc. via the network corresponds to the withdrawal account registration server according to the present invention.

The withdrawal account registration server 10 uses a computer equipped with a CPU, a main memory, and an auxiliary storage device such as an HDD, and has a function of connecting to a network including the Internet. A predetermined function is realized by reading out and executing arithmetic processing by the CPU.

The physical configuration of the computer that constitutes the withdrawal account registration server 10 is not particularly limited. may be prepared for Moreover, each function necessary for the present invention may be physically realized by one computer, or may be realized by using a plurality of computers.

Information transmitting/receiving unit 11, receipt inquiry unit 12, account confirmation unit 13, identity confirmation unit 14, mobile phone information inquiry unit 15, identity verification unit 16, information registration unit 17, account transfer suspension processing unit 18 of withdrawal account registration server 10 are functionally specified, and a program corresponding to the function of each unit stored in an auxiliary storage device such as an HDD is read into the main memory, and the CPU executes arithmetic processing, A function corresponding to each part is realized.

A predetermined storage area of an auxiliary storage device such as an HDD is allocated to the customer information storage unit 19 (stores a customer master 191, account information 192, receipt information 193, etc.) of the withdrawal account registration server 10. FIG. These storage areas are not required to be physically provided in one computer, but may be provided in a plurality of computers such as a computer constituting a database server.

A network terminal such as a smart phone, a tablet computer, or a PC is used as the customer terminal 20; not to be However, considering the convenience of taking pictures of cash cards and personal identification documents, which will be described later, it is particularly preferable to use a smartphone equipped with a camera function and an NFC reading function.

The configurations of the receiving server 30, the certification authority server 50, the mobile carrier information server 60, and the collection agency server 80 are also limited as long as they are computer systems capable of transmitting and receiving information via a network such as the Internet. not to be The integrated ATM network 40 is a network that interconnects ATMs and the like between banks, and the existence of a deposit account can be confirmed by making an inquiry to this network. The bank system 70 is a computer system operated for business of a financial institution such as a bank, including a host computer that manages bank accounts.

Based on the above configuration, a method of registering a withdrawal account for account transfer by the withdrawal account registration server according to the present invention will be described with reference to FIGS. 3 to 13. FIG.

First, the operation at the customer terminal 20 for the customer who is the user to register the deposit account to be used as the withdrawal account for account transfer will be described with reference to FIG. For customers who want to pay their utility bills, rent, monthly membership fees, etc. by account transfer, information on the details of the payment to be billed to the customer If necessary, information such as a membership number to identify the customer at the receiving company, etc., or in the case of a flat rate, information including the amount of each withdrawal, etc.) is provided in the form of a unique two-dimensional code. provided from. It should be noted that the means of providing information on payment details here is not limited to two-dimensional codes, but documents or e-mails that express them in characters, one-dimensional bar codes, codes consisting of numbers and letters, etc. may be

The customer who received the two-dimensional code operates the customer terminal 20, accesses the withdrawal account registration server 10, and starts an application (application program) for registering a deposit account to be used as a withdrawal account for account transfer. do. The type of this application is not particularly limited. For example, in addition to the method of downloading a dedicated application to the customer terminal 20, it may be added as an additional function to the message application, or may be added to the message application on the web browser. It is also possible to adopt an application that operates in

A customer who activates the application on the customer terminal 20 uses the camera provided on the customer terminal 20 to enter the two-dimensional code provided by the receiving place and the cash of the deposit account that the customer wants to use for the withdrawal of the fee to be paid to the receiving place by account transfer. A card, an identity verification document used for customer identity verification such as a driver's license or my number card on which a face photo image is displayed, and the customer's own face photo (still image or video) are photographed. A bankbook may be substituted for the cash card.

Image files of these images taken by the camera provided in the customer terminal 20 are transmitted to the withdrawal account registration server 10, and each image file is used for the following purposes.

Regarding the two-dimensional code provided by the storage destination, in addition to the storage destination code that identifies the company, etc. of the storage destination from the two-dimensional code, the branch office code at the storage destination and the storage destination are optionally added as necessary. will read information such as the membership number assigned to the customer and, if the billing fee is a fixed amount, the amount of withdrawal each time (A in Fig. 3). .

From the image of the cash card of the deposit account that you want to use as the withdrawal account for bank transfer, the financial institution code that identifies the financial institution, the branch number that identifies the main branch of the financial institution, the account number of the deposit account, and kana characters The account information (B in FIG. 3) such as the customer's name written in is read and used to specify the deposit account to be used as the withdrawal account for the account transfer. Instead of the cash card, an image of the passbook of the deposit account may be used to identify the deposit account.

The customer's name, date of birth, and address written in characters including Chinese characters can be read from the image of the customer's identity verification document such as a driver's license or My Number card, and the image of the customer's face photo is also included. (C in FIG. 3). The image of the customer's face photograph displayed on the personal identification document is collated with the image of the customer's face photograph taken by the camera provided in the customer terminal 20 (self-portrait image, D in FIG. 3). is verified. It should be noted that the identity verification of the customer is not the matching of such face photo images, but rather, for example, the electronic certificate stored in the IC chip of the My Number card used as the identity verification document is read by the NFC function of the customer terminal 20, and the electronic certificate is read. may be verified by inquiring to a certification authority.

The customer terminal 20 also transmits the telephone number of the mobile phone contracted by the customer to the withdrawal account registration server 10 . The customer may enter the phone number of the customer's mobile phone, but the customer terminal 20 is a mobile phone such as a smart phone, and the launched application is a message application provided by the mobile carrier. If it's key-activated, you can have the app automatically send the phone number of the mobile phone it recognizes at activation.

From the image file of the two-dimensional code provided by the storage destination explained above, the cash card of the deposit account that you want to use as a withdrawal account for account transfer, and the image file of the identity verification document such as a driver's license or My Number card The information to be read (A to C in FIG. 3) is transmitted from the customer terminal 20 to the withdrawal account registration server 10 as an image file, and can be recognized by the OCR reading process in the withdrawal account registration server 10. . As will be explained below on that premise, the customer terminal 20 executes the process of recognizing such an image file and extracting the necessary information, and only the information necessary for each process is sent to the withdrawal account registration server 10. may be configured.

FIG. 4 is executed to register a deposit account to be used as a withdrawal account for account transfer in the withdrawal account registration server 10 that has received the information explained with reference to FIG. It shows the processing to be done.

From the two-dimensional code provided by the storage destination, in the storage destination inquiry unit 12, in addition to the storage destination code that identifies the company etc. of the storage destination, if it is added as an option, the branch office code at the storage destination Information such as the membership number assigned to the customer by the recipient, and the amount of each withdrawal if the billing fee is a fixed amount (A in Fig. 4, which is the same as A in Fig. 3) is read. is specified, and information such as the membership number added as an option is transmitted to the receiving server 30 of the receiving company specified by the receiving code to inquire whether or not there is a target bill. can. Although it is possible to omit this step, by executing this step, it is possible to confirm whether or not there is an applicable claim before registering the account transfer. It is possible to prevent the occurrence of a situation in which registration is performed.

From the photographed image of the cash card of the deposit account to be used as the withdrawal account for account transfer, the account confirmation unit 13 obtains the financial institution code that identifies the financial institution, the branch number that identifies the head office and branch of the financial institution, the deposit account account number and customer name written in kana characters (Fig. 4B, which is the same as Fig. 3B). Once identified, this information is queried with the integrated ATM network 40 to confirm that the identified financial institution account is a valid account.

Information that can identify the customer, such as the customer's name, date of birth, address, etc., written in characters including Chinese characters, etc. Then, the image of the customer's facial photograph is recognized (C in FIG. 4, which is the same as C in FIG. 3). The image of the customer's face photograph is collated with the customer's self-portrait image (D in FIG. 4, which is the same as D in FIG. 3) transmitted from the customer terminal 20, and if it meets a predetermined condition that can be judged as the same person, It is possible to confirm that the sender who sent these information is the customer himself/herself. Such conditions for judging that the person is the same person are not limited to matching the image of the face photograph, for example, the customer's name, date of birth, address, etc. It is also possible to add a condition that the predetermined information used for identification matches the contractor information of the mobile phone, which will be described later.

In addition, the method of verifying the customer's identity is not limited to matching of such a face photograph image. For example, the electronic certificate read from the customer's My Number card, etc. The identity may be verified by referring to the certification authority server 50 of the certification authority of the certificate.

In addition, the mobile phone information inquiry unit 15 transmits the telephone number of the customer's mobile phone received from the customer terminal 20 (E in FIG. 4, which is the same as E in FIG. 3) to the mobile carrier information server 60. Inquire the subscriber information of the mobile phone that is

The mobile phone contractor information obtained from the mobile carrier information server 60 using the customer's mobile phone number as a key contains the name of the customer who is the mobile phone subscriber including furigana written in kana characters. Therefore, the name of the account holder in kana characters read from the image of the cash card taken by the account confirmation unit 13 and the phonetic kana characters of the contractor's name included in the contractor information of the mobile phone are displayed. The customer's name, which matches and is written in characters including kanji, etc. read from the image of the identity verification document by the identity verification unit 14, and characters including kanji, etc. included in the subscriber information of the mobile phone If the names of the contracted parties match, the account confirmed by the account confirmation unit 13 to be a valid account is determined by the identity confirmation unit 14 to be owned by the customer whose identity has been confirmed. Therefore, it is possible to link and manage the account information on the deposit account confirmed by the account confirmation unit 13 and the information on the customer whose identity has been confirmed by the identity confirmation unit 14 .

In addition, the matching of names written in kana characters and kanji characters here does not require strict matching, but a certain amount of error in consideration of reading accuracy and differences in fonts. may be allowed. Also, information such as the date of birth and address included in the subscriber information of the mobile phone may be collated with the customer-related information read from the identity verification document and used for identity verification in the identity verification unit 14 . If the image of the bankbook is used to identify the bank account, the name of the account holder is normally written in kanji or other characters on the bankbook. The step of acquiring contractor information may be omitted, and information such as the date of birth and address of the contractor of the mobile phone may be used for identity verification in the identity verification unit 14 .

The information about the customer including the name of the customer confirmed as described above, the account information of the deposit account that the customer uses as the withdrawal account for account transfer, and the information about the receiving destination are registered by the information registration unit 17, respectively. The customer master 191, the account information 192, and the storage location information 193 are registered in the customer information storage unit 19 in association with each other.

FIG. 5 shows an example of the information registered in the customer information storage unit 19. In the record provided for each customer ID that identifies the customer assigned to each customer, the customer information received from the customer terminal 20 is stored. mobile phone number (Fig. 3, Fig. 4 E), the customer's name written in characters such as Chinese characters read from the image of the identity verification document (included in Fig. 3, Fig. 4 C), The customer's name written in kana characters read from the image of the cash card (included in B in Figures 3 and 4), and the customer's date of birth and address read from the image of the identity verification document. (included in C of FIGS. 3 and 4), information corresponding to the customer master 191 such as the date and time when the identity verification was performed by the identity verification unit 14 and the documents used for identity verification are recorded. ing.

Also, account information 192 such as the bank/branch name and account number (included in B in FIGS. 3 and 4) of the deposit account that the customer uses as the withdrawal account for account transfer, confirmed by the account confirmation unit 13. is recorded in association with the customer master 191 . Such account information 192 is such that the account information 192 of a plurality of deposit accounts is stored for the customer master 191 of one customer identified by the customer ID so as to meet the customer's need to use a plurality of deposit accounts according to the receiving destination. It is possible to register.

Furthermore, the receiving destination information 193, such as the receiving destination code (included in A of FIGS. is recorded in association with the account information 192 of the deposit account used as the withdrawal account for Such deposit destination information 193 is the account information 192 of one deposit account specified by the bank/branch name and account number so that the same deposit account can be specified as the withdrawal account for account transfer for multiple deposit destinations. On the other hand, it is possible to register storage location information 193 of a plurality of storage locations.

As described above, the information such as the deposit account and the receiving code included in the customer master 191, the account information 192, and the receiving information 193 registered by the information registering unit 17 are processed by the information transmitting/receiving unit 11 for account transfer. Depending on the requirements for each financial institution that has a deposit account to be used as a withdrawal account to register an account transfer, on behalf of the bank system 70, which is the computer system of the financial institution, or the receiving company, etc. It is sent to the collection agency server 80, which is the computer system of the collection agency that acts as a collection agent. The transmission of information to the bank system 70 and the receiving institution server 80 may be carried out in a push-type manner, or in a pull-type manner by accessing the withdrawal account registration server 10 from the bank system 70 or the collecting institution server 80. It may be configured to download necessary information.

The processing flow for registering the account transfer executed by the withdrawal account registration server 10 described above will be described along the flowchart of FIG.

Sending/receiving of information specifying storage locations such as two-dimensional code images, images of cash cards, images of personal identification documents such as driver's licenses, and telephone numbers of mobile phones sent from the customer terminal 20 When received by the unit 11 (S01), the storage location inquiry unit 12 is activated, and the storage location code recognized from the information specifying the storage location such as the image of the two-dimensional code and the member number that identifies the customer at the storage location. The storage destination information is transmitted to the storage destination server 30 to inquire whether or not there is a corresponding bill (S02). Note that the process of recognizing the image of the two-dimensional code and the like to specify the receiving code and the like may be performed on the customer terminal 20 side and the information such as the recognized receiving code and the like may be transmitted to the withdrawal account registration server 10. Alternatively, an image of a two-dimensional code or the like may be transmitted to the withdrawal account registration server 10 so that the withdrawal account registration server 10 can recognize the information such as the receiving code. Further, the inquiry to the storage destination server 30 is not an essential step, and can be omitted.

When it is confirmed that there is a corresponding request, the account confirmation unit 13 is activated to check whether the bank account specified by reading the image of the cash card is valid (S03). . The flowchart in FIG. 7 shows the detailed processing flow in this step.

First, by OCR processing of an image of a cash card received from the customer terminal 20, the financial institution code, branch number, and account number (these information) of the deposit account designated by the customer to be used as a withdrawal account for account transfer is used for the account information 192 stored in the customer information storage unit 19), the name of the account holder written in kana characters (this information is used for the customer master 191 stored in the customer information storage unit 19) may be included in the account information 192), etc. (S031). (S033).

The customer corrects the information if necessary, confirms that the information is correct, and performs a predetermined operation on the customer terminal 20. The account confirmation unit 13 receives the information and confirms that the information such as the account number read in S031 is Determining that the information is correct (Yes in S034), transmits to the integrated ATM network 40 the information specifying the deposit account, such as the financial institution code, branch number, account number, name of the account holder written in Kana characters, An inquiry is made as to whether the bank account specified from these pieces of information is a valid bank account (S035). When a reply is received from the integrated ATM network 40 indicating that the relevant deposit account exists as a valid deposit account (Yes in S036), the deposit account specified by reading the image of the cash card is a valid deposit account. is confirmed (S037).

If the necessary information such as the financial institution code of the deposit account cannot be read from the captured image of the cash card (No in S032), the customer determines that the information such as the account number displayed on the customer terminal 20 is incorrect. (No in S034), and when a reply from the integrated ATM network 40 indicating that the relevant deposit account does not exist as a valid deposit account is received (No in S036), a predetermined error process is performed.

Further, all or part of the OCR processing of the captured image of the cash card and the processing for allowing the customer to confirm the account number read by the OCR processing may be executed by the application of the customer terminal 20. In this case, information such as the account number confirmed by the customer through OCR processing and the name of the account holder written in kana characters is transmitted from the customer terminal 20 to the withdrawal account registration server 10 .

Returning to the flow chart of FIG. 6, subsequently, the identity verification unit 14 is activated, reads an image of an identity verification document such as a driver's license, and reads the customer's name and date of birth written in characters such as Chinese characters. The date, address, etc. (these information are used in the customer master 191 stored in the customer information storage unit 19) are specified, and the sender who sent the image of the identity verification document such as the driver's license is the customer. A process for confirming the identity of the person is executed to confirm whether the person is the person himself/herself (S04). The flowchart in FIG. 8 shows the detailed processing flow in this step.

First, the customer's name, date of birth, address, etc. written in characters such as Chinese characters are read by OCR processing of an image of a personal identification document such as a driver's license received from the customer terminal 20 (S041), If the reading is successful (Yes in S042), a request for confirmation/correction of the read information is sent from the information transmitting/receiving section 11 to the customer terminal 20 (S043).

When the customer corrects the information if necessary, confirms that it is correct, and performs a predetermined operation on the customer terminal 20, the personal identification unit 14 receives the information, such as the name of the customer read in S041. It is determined that the information is correct (Yes in S044), and then the image of the customer's facial photograph included in the photographed image of the identity verification document such as a driver's license and the information provided in the customer terminal 20 received from the customer terminal 20 The customer's face photograph image (self-portrait image) photographed by the camera is collated (S045).

If these images meet the predetermined conditions for judging that these images are photographs of the same person (S046 is Yes), the image of the identity verification document such as a driver's license is read and the information related to the name of the specified customer is sent. The person is confirmed to be the customer (S047).

In addition, if the necessary information such as the customer's name written in characters such as Chinese characters cannot be read from the image of the personal identification document such as the driver's license (S042 is No), the customer is displayed on the customer terminal 20 If it is determined that the information such as the customer's name is not correct (No in S044), or if it cannot be determined that the image of the driver's license photo and the self-portrait are of the same person (No in S046), a predetermined error handling is performed.

All or part of the processing for confirming the customer's name, etc. written in characters such as Chinese characters read by OCR processing of the image of the identity verification document such as a driver's license, etc. It may be executed by an application on the terminal 20. In that case, information such as the customer's name written in characters such as Chinese characters confirmed by the customer through OCR processing is transferred from the customer terminal 20 to the withdrawal account registration server 10. will be sent.

The above is the processing flow of identity verification using a photographed image of an identity verification document such as a driver's license. The electronic certificate stored in the chip is read by the NFC function of the customer terminal 20, etc., transmitted to the withdrawal account registration server 10, and the personal identification unit 14 inquires the electronic certificate to the certification authority server 50, thereby confirming the identity of the person. Confirmation may be performed.

Returning to the flow chart of FIG. 6, when the personal identification is performed by the processing described so far, the mobile phone information inquiry unit 15 is activated, and the phone number of the customer's mobile phone received from the customer terminal 20 is sent to the mobile carrier information server. 60 to inquire about the subscriber information of the customer's mobile phone (S05). If the phone number of the customer's mobile phone received from the customer terminal 20 is actually a phone number used by the mobile carrier, the subscriber of the mobile phone includes furigana written in kana characters from the mobile carrier information server 60. contracting party information such as the name of the customer is transmitted, and the mobile phone information inquiry unit 15 receives the information.

Since it is necessary to specify the mobile phone carrier when inquiring the mobile phone information, it is necessary to receive from the customer terminal 20 information on the mobile phone carrier using the phone number. Such information on the mobile carrier can be used, for example, as part of the message application provided by the mobile carrier. However, information about the mobile carrier is automatically sent to the withdrawal account registration server 10 .

When making an inquiry to the mobile carrier information server 60, the mobile carrier information server 60 receives not only the phone number of the customer's mobile phone from the customer terminal 20, but also information that can be used to identify the customer, such as the customer's name. , the mobile carrier information server 60 compares these pieces of information with the subscriber information of the mobile phone, and if either of them does not match and it cannot be determined that the person is the same person, the subscriber information of the mobile phone may not be transmitted to the withdrawal account registration server 10.

When the mobile phone information inquiry unit 15 receives the subscriber information of the mobile phone, the identity verification unit 16 is activated, and processing for associating the account information 192 with the information registered as the customer master 191 in the customer information storage unit 19. is executed (S06).

Among the information specified by reading the image received from the customer terminal 20, the customer's name, date of birth, address, etc. written in characters such as Chinese characters read from the image of the identity verification document, and the cash card. The name of the account holder written in kana characters read from the photographed image (this information may be included in the account information 192) is recorded in the customer master 191 stored in the customer information storage unit 19, The account information 192 stored in the customer information storage unit 19 includes the bank name specified from the financial institution code of the deposit account, the branch name specified from the branch number, the account number, etc. read from the image of the cash card. However, by confirming that the account holder who holds the cash card and the customer who sent the image of the personal identification document are the same person, the bank account confirmed by the account confirmation unit 13 is the same person. The confirmation unit 14 determines that the account is owned by a customer whose identity has been confirmed, and performs processing for associating these pieces of information. The flowchart in FIG. 9 shows the detailed processing flow in this step.

First, the name of the account holder written in kana characters read from the photographed image of the cash card is compared with the phonetic kana characters of the name of the subscriber of the mobile phone written in kana characters (S061). If they meet a predetermined condition that can be judged to match (not limited to strict matching, small differences such as the presence or absence of spaces may be judged to match) (S062 is Yes), then the person The customer's name written in characters such as Chinese characters read from the photographed image of the confirmation document is collated with the mobile phone contractor's name written in characters such as Chinese characters (S063). If they meet a predetermined condition that can be judged to match (S064 is Yes), the cash card is the same person as the customer who sent the photographed image of the identity verification document (S065).

If the names written in kana characters do not match (No in S062) or the names written in kanji characters do not match (No in S064), a predetermined error process is performed.

Returning to the flowchart of FIG. 6, as described above, when it is confirmed that the account holder who holds the cash card and the customer who sent the photographed image of the personal identification document are the same person, the account confirmation unit 13 is determined to be owned by the customer whose identity has been confirmed by the identity verification unit 14, and the account information 192 of the deposit account is associated with the customer master 191 of the customer (S06 ).

Information registered in the customer master 191 and the account information 192 is as described above. The information 193 is associated with the account information 192 and registered in the customer information storage section 19 together with the customer master 191 and the account information 192 (S07).

Further, information such as account information 192 of the deposit account to be used for the withdrawal account for the newly registered account transfer and information such as the receipt destination information 193 regarding the deposit destination of the charges to be account debited is opened by the deposit account. is sent to the bank system 70 of the bank (S08). These pieces of information are not sent directly to the bank system 70, but are sent to the collection agency server 80 or the like of the collection agency acting on behalf of the collection destination, and sent via the collection agency server 80 or the like. It may be configured to be transmitted to the bank system 70 or the like. In the bank system 70 or the like that receives this information, registration of information necessary for account transfer for automatically withdrawing the fee to be paid to the receiving destination is performed.

The processing flow for registering the account transfer executed by the withdrawal account registration server 10 described above with reference to FIGS. However, in the present invention, it is also possible to register the deposit account first and then register the receipt destination. In addition, one customer can register multiple deposit accounts and select the deposit account to be used as the withdrawal account for account transfer from among them, or select the receiving destination and stop account transfer. , and the processing flow thereof will be described with reference to FIGS. 10 to 13. FIG.

The flowchart of FIG. 10 shows the processing flow in the withdrawal account registration server 10 in the case of registering the deposit account to be used as the withdrawal account for account transfer in advance. In this case, the customer terminal 20 does not send the information specifying the storage location of the image of the two-dimensional code, etc., but the image of the cash card, the image of the identity verification document such as the driver's license, the image of the mobile phone, etc. A telephone number is received by the information transmitting/receiving section 11 (S11).

Subsequently, the processing (S12) of confirming the bank account using the photographed image of the cash card is the same as the processing explained in S03 of FIG. 6 and the flow chart of FIG. The process (S13) of performing identity verification using the photographed image is the same as the process described in S04 of FIG. 6 and the flowchart of FIG.

Inquiry of mobile phone contractor information (S14) and processing of associating account information 192 with customer master 191 using this (S15) are the same as the processing described in S05 and S06 of FIG. 6 and the flowchart of FIG. is. The customer master 191 and the account information 192 associated in this way are registered in the customer information storage unit 19 (S16), and the account information 192 etc. of the deposit account used for the newly registered withdrawal account for account transfer. is sent to the bank system 70 or the like of the bank where the deposit account is opened (S17). As described in S08 of FIG. 6, such information may be transmitted to the collection agency server 80 and the like, and transmitted to the bank system 70 and the like via the collection agency server 80 and the like.

In this way, the state in which the deposit account to be used as the withdrawal account for account transfer is registered in advance, or the processing flow of FIG. is registered, and the customer wants to additionally register another account as a withdrawal account for account transfer, the withdrawal account registration server 10 performs the flow chart of FIG. is executed.

When information such as the customer ID and password is transmitted from the customer terminal 20 and the process of logging in to the withdrawal account registration server 10 is accepted (S21), the customer takes a photograph of the cash card of the deposit account that the customer wishes to newly register. The resulting image is transmitted from the customer terminal 20 to the withdrawal account registration server 10. - 特許庁When the withdrawal account registration server 10 receives the photographed image of the cash card (S22), the deposit account is confirmed using the photographed image of the cash card in the same manner as the processing described in S03 of FIG. 6 and the flowchart of FIG. Processing is executed (S23).

When the existence of the deposit account is confirmed, the account information 192 of the confirmed deposit account is associated with the customer master 191 specified by the customer ID used for login, and registered in the customer information storage unit 19 (S24, In the example of FIG. 5, new account information is registered after "registered account 2"), information such as account information 192 of the deposit account used for the newly registered withdrawal account for account transfer, It is transmitted to the bank system 70 or the like of the bank where the deposit account is opened (S25). Such information may also be transmitted to the collection agency server 80 or the like, and may be configured to be transmitted to the bank system 70 or the like via the collection agency server 80 or the like, as in the description of S08 in FIG. .

As described above, on the premise that one customer has registered one or more deposit accounts to be used as a withdrawal account for account transfer, account transfer for new fee payment is registered. The flowchart of FIG. 12 shows the processing flow.

When information such as a customer ID and a password is transmitted from the customer terminal 20 and the process of logging in to the withdrawal account registration server 10 is accepted (S31), the customer requests a new fee to be paid by account transfer from the receiving location. The provided two-dimensional barcode or the like is photographed, and the photographed image is transmitted from the customer terminal 20 to the withdrawal account registration server 10, and from the registered own account, which account is used for account transfer. Select whether to use the account (if only one deposit account is registered, that deposit account is automatically selected). The method of selecting the deposit account is not particularly limited. If so, a list of all deposit accounts registered after "registered account 1") may be displayed on the customer terminal 20, and the deposit account to be used as the withdrawal account may be selected from the list.

When the withdrawal account registration server 10 receives the information specifying the storage location of the two-dimensional code image and the like and the information on the selected deposit account (S32), the information specifying the storage location of the two-dimensional code image etc. An inquiry is made to the storage destination server 30 for the storage destination information such as the storage destination code recognized from the storage destination server 30 (S33). This process is the same as the process described in S02 in FIG. , and that this step may be omitted is the same as the description of S02 in FIG.

When it is confirmed that the corresponding claim exists, the existence of the claim is confirmed in the account information 192 corresponding to the selected deposit account associated with the customer master 191 identified by the customer ID used for login. Storage location information 193 such as a storage location code corresponding to the received storage location information is associated and registered in the customer information storage unit 19 (S34). Further, information such as the newly registered storage destination information 193 is transmitted to the bank system 70 of the bank where the selected deposit account is opened (S35). Such information may also be transmitted to the collection agency server 80 or the like, and may be configured to be transmitted to the bank system 70 or the like via the collection agency server 80 or the like, as in the description of S08 in FIG. .

In this way, the customer can register a plurality of deposit accounts and receiving destinations in the withdrawal account registration server 10, but if he/she wishes to stop paying by account transfer to some of the registered receiving destinations, the flow chart of FIG. By the processing shown, the customer can request suspension of withdrawal by account transfer without requesting the suspension of account transfer to the financial institution where the direct deposit account is opened or the receiving company.

Information such as a customer ID and a password is transmitted from the customer terminal 20, the process of logging in to the withdrawal account registration server 10 is accepted (S41), and the customer requests the display of a list of storage destinations registered for account transfer. Then, the account transfer suspension processing unit 18 is activated, and a list of the receiving destinations for which the account transfer is registered in the customer terminal 20 and the deposit account used as the withdrawal account for the account transfer to the receiving destination is displayed. display (S42). This list includes account information 192 registered in association with the customer master 191 specified by the customer ID used for login, stored in the customer information storage unit 19, and registered in association with the account information. It is sufficient to generate it from the storage location information 193 that is present.

When one of the receiving destinations is selected from the list on the customer terminal 20 and the withdrawal account registration server 10 receives a request to stop the withdrawal by account transfer (S43), the receiving destination information 193 corresponding to the selected receiving destination. is deleted from the customer information storage unit 19 (S44). Further, the bank system 70 or the like of the bank that has opened the deposit account specified from the account information 192 associated with the receiving destination information 193 corresponding to the selected receiving destination is debited. A request to stop the account transfer from the deposit account is sent (S45). This stop request may also be transmitted to the collection agency server 80 or the like, and may be configured to be transmitted to the bank system 70 or the like via the collection agency server 80 or the like, as in the description of S08 in FIG. .

10 Withdrawal account registration server 11 Information transmission/reception unit 12 Receipt inquiry unit 13 Account confirmation unit 14 Personal identification unit 15 Mobile phone information inquiry unit 16 Personal identification unit 17 Information registration unit 18 Account transfer suspension processing unit 19 Customer information storage unit 191 Customer master 192 Account information 193 Receipt destination information 20 Customer terminal 30 Receipt destination server 40 Integrated ATM network 50 Certification authority server 60 Mobile carrier information server 70 Bank system 80 Receipt agency server

Claims (4)

a user terminal operated by a user, and at least one of a computer system of a financial institution where the user's deposit account is opened, or a collection agency that collects a predetermined fee paid by the user; A withdrawal account registration server connected via a network including the Internet ,
Interconnecting ATMs between banks that can confirm the existence of a valid deposit account specified by the information received from the user terminal and specified by the user as a withdrawal account for account transfer. an account verification means for verifying by querying a network;
identity verification means for confirming that the sender of the user information about the user received from the user terminal is the user himself/herself;
When it is determined that the holder of the deposit account confirmed by the account confirmation means is the same person as the user whose identity has been confirmed by the identity confirmation means, the deposit account is used by the user for account transfer. account registration means for registering in a database in association with the user as a deposit account used as a withdrawal account for
When information necessary to withdraw a predetermined fee from the user terminal is received from the user terminal, the deposit account including information related to the deposit account registered in the database in association with the user by the account registration means. Account transfer information transmission for sending account transfer information for registering the deposit account as a debit account for the account transfer at the financial institution that has been opened to the financial institution or the collection agency acting on behalf of the collection of the fee. means and
A withdrawal account registration server characterized by comprising: The account transfer information transmitting means identifies a receiving destination for receiving the fee from the information received from the user terminal, and transmits the account transfer information including information on the receiving destination to the financial institution or the receiving agency. 2. The withdrawal account registration server according to claim 1, characterized in that it transmits. The account registration means is capable of registering two or more deposit accounts in association with one user,
an account selection accepting means for accepting selection of one account to be used for account transfer from the user terminal, from among two or more accounts associated with the user registered in the account registration means;
3. The withdrawal account according to claim 1, wherein said account transfer information transmitting means transmits the information relating to the deposit account accepted by said account selection accepting means as the information relating to the deposit account included in said account transfer information. registration server. a user terminal operated by a user, and at least one of a computer system of a financial institution where the user's deposit account is opened, or a collection agency that collects a predetermined fee paid by the user; A withdrawal account registration server connected via a network including the Internet validates the existence of a deposit account specified by the information received from the user terminal and specified by the user as the withdrawal account for account transfer. an account verification step of querying a network interconnecting inter-bank ATMs capable of verifying the existence of a deposit account;
a personal identification step in which the withdrawal account registration server confirms that the sender of the user information about the user received from the user terminal is the user;
When the withdrawal account registration server determines that the holder of the deposit account confirmed in the account confirmation step is the same person as the user whose identity was confirmed in the identity confirmation step, the deposit account is an account registration step of registering in a database in association with the user as a deposit account used by the user as a withdrawal account for account transfer;
When the withdrawal account registration server receives from the user terminal the information necessary to withdraw a predetermined fee by account transfer, the information on the deposit account registered in the database in association with the user in the account registration step. , to the financial institution where the deposit account is opened, the account transfer information for registering the deposit account as a withdrawal account for the account transfer, to the financial institution or the collection agency that acts as the collection of the fee a bank transfer information transmission step to be transmitted to
A method of registering a withdrawal account, comprising:

Images