JP7305907B2 - Server, method and program in customer information management system of financial institution - Google Patents

Description

The present invention relates to an information system for supporting procedures associated with address change.

Conventionally, when a move is made, the burden associated with the procedure for changing the address of the person who moves is reduced, and the burden of the work of companies, organizations, and especially the post office that forwards mail is reduced. , a system for reducing the burden associated with relocation is known.

For example, in Patent Document 1, the server of the address information management center receives notification of moving information from the terminal of the person who has moved, and the server puts the registration in the database of moving information on temporary hold, and the address of the user Send a return postcard for identity verification, receive a return postcard from the person who has moved, and after the identity is verified, register the moving information in the database, and utilize the moving information registered in this address information management database. For example, address information management systems and mail forwarding systems are disclosed that match mailing destinations with relocation information to reduce the rate of mail forwarding.

Further, Patent Literature 2 discloses a change management system and a change management method that can easily manage whether or not a customer has moved.

JP-A-2003-50845 JP 2018-92581 A

Among the companies related to the user (moving person), focusing on the relationship with the bank in particular, even if you change your address due to moving and apply for an address change to the bank, the transfer will be automatically made from your bank account ( There is a problem that it is difficult to apply for a change of address to automatic transfer destinations (credit card companies, loan companies, communication companies, various membership clubs, etc.) that repeatedly withdraw from bank accounts. However, electric power companies, gas companies, waterworks bureaus, etc. are excluded here because it is necessary to make a new contract with the company that has jurisdiction over the new area.

On the other hand, from the user's point of view, there are many objects for which the address change procedures are required, and it is troublesome to carry out the procedures each time. However, for a certain period of time, it can be dealt with by submitting a mail forwarding notice to the post office, so applying for a change of address has a low priority. However, when the automatic forwarding period of the post office ends, the user forgets to apply for the change of address to each company, and there is a problem that the items sent from each company are also treated as non-delivery. In particular, non-delivery of items sent from financial institutions is serious.

Therefore, in the present invention, in view of the above-mentioned problems, it is possible to change the address of an automatic transfer destination that repeatedly withdraws from the bank account simply by submitting an address change notification to a bank that is considered to be of relatively high importance. The purpose is to provide a system that can perform procedures quickly.

In order to solve the above problems, the present invention provides the following solutions.

(1) A server of a customer information management system of a bank, which is a means for receiving an address change notification from a user who is an account holder, and when the address change notification is received, an automatic transfer is repeatedly performed from the account. automatic transfer destination extracting means for extracting the automatic transfer destination, and notifying the user of the information of the extracted automatic transfer destination.

(2) In the configuration described in (1) above, the notification includes a candidate list for the user to determine whether or not to apply for an address change to the automatic transfer destination. .

(3) The configuration described in (1) or (2) above includes proxy address change application means for accepting a proxy address change application from the user and proxying the address change application to the designated automatic transfer destination. It is characterized by

(4) In the configuration described in (3) above, the candidate list enables the user to select an address change application destination from among the automatic transfer destinations.

(5) In the configuration described in (3) above, the address change notification includes email address change information, and the proxy address change application means includes the email address change information in the address change application. It is characterized by

(6) A step in which a computer of a customer information management system of a bank receives an address change notification from a user who is an account holder; extracting a destination; and notifying the user of information of the extracted automatic transfer destination.

(7) A program that causes a computer to execute the steps described in (6) above.

(8) A server of a customer information management system of a card company, which is a means for receiving an address change notification from a user who is a card holder; an automatic payee extracting means for extracting an automatic payee that
It is characterized by notifying the user of the information of the extracted automatic payment destination.

According to the present invention, it is possible to provide a system that can quickly perform an address change procedure even for an automatic transfer destination where debits are repeatedly made from the bank account simply by submitting an address change notification to the bank.

It is a figure which shows the basic concept of this invention. It is a figure which shows the functional structural example of the system of the 1st Embodiment of this invention. It is a figure which shows the data structural example stored in DB in the system of the said embodiment. It is a figure which shows the data structural example stored in DB in the system of the said embodiment. It is a figure which shows the processing flow of the management server in the system of the said embodiment. It is a figure which shows the input screen image of the address change notification in the system of the said embodiment. FIG. 10 is a diagram showing a display screen image of an automatic transfer destination candidate list in the system of the embodiment; It is a figure which shows the functional structural example of the system of the 2nd Embodiment of this invention.

EMBODIMENT OF THE INVENTION Hereinafter, with reference to an accompanying drawing, the form (henceforth, embodiment) for implementing this invention is demonstrated in detail. In subsequent figures, the same numbers or symbols are attached to the same elements throughout the description of the embodiments. In the diagram of the functional configuration, arrows between functional blocks indicate the data flow direction or the processing flow direction.

(Basic concept)
FIG. 1 is a diagram showing the basic concept of the present invention. This figure shows the flow when a holder of a bank account submits an address change notification to a bank in a system for realizing the present invention (hereinafter referred to as this system). The processes indicated by the numbers in the drawing will be described below. Although the processing of (1) below has been performed conventionally, functions (2) and (3) are newly implemented in this system.

(1) Submission of change of address notification The account holder himself/herself will go to the bank window and carry out the procedure for changing the address of the account held.

(2) Output a list of candidates for address change application required Extract all companies that are entrusted with automatic transfer (withdrawal) from the above holding account (hereinafter referred to as automatic transfer destination) that are managed by the bank's internal system Then, a candidate list for address change application is created and notified to the person via the WEB or a notification postcard, and the person is urged to apply for address change to each company.

(3) Proxy address change application As an optional function at the request of the principal, the bank will send the application data for the address change application or the notification postcard to the respective automatic transfer destinations on behalf of the principal.

By doing so, by simply applying for a change of address to the bank that owns the account, it is possible to grasp all the automatic transfer destinations that have been debited from that account, and to encourage each company to apply for a change of address. can. It is possible to determine for which automatic transfer destination the address change procedure should be performed. For example, if you move from Osaka to Tokyo, you do not need to continue automatic transfers to electric power companies, gas companies, etc. in Kansai. In addition, if the proxy address change application, which is an optional function, is performed, the bank can act on behalf of the bank and apply for an address change to a necessary automatic transfer destination.

(First embodiment)
FIG. 2 is a diagram showing a functional configuration example of the system according to the first embodiment of the present invention. As shown in the figure, this system is realized by a system centered on a server 100 of a customer information management system of a financial institution (bank in this case). The server 100 (hereinafter simply referred to as server) of the customer information management system is a server that can communicate with the user terminal 200 mainly via the Internet and manages customer information of customers who have accounts. A user who cannot use the Internet environment has to submit an address change notification at a bank counter. The server includes, as an example of functional configuration, an address change notification reception means 101, a customer information DB 102, an automatic transfer destination extraction means 103, an automatic transfer destination management DB 104, a proxy address change application reception means 106, and a proxy address change application means 107. there is

Upon receiving an address change notification from the user terminal 200 or the in-bank terminal 110 , the address change notification reception means 101 receives the notification after confirming that the identity has been verified, and stores the notification in the customer information DB 102 .

FIG. 3 is a diagram showing a data configuration example stored in the customer information DB 102. As shown in FIG. In general, customer information can store various information related to customers, but only those related to account information in this system are shown here. This customer information includes the account number and branch number held by the customer, the type of account, the account holder, the address of the account holder, the registered e-mail address, the names of all automatic transfer destinations from which the account is debited, automatic It stores the financial institution (bank code and branch code) where the transfer destination account is located, the account number, the type of the account, whether or not to apply for a proxy address change, and so on. Although illustration is omitted, the old address and the new address are also stored based on the address change notification. The system can also treat email addresses as part of an address. Therefore, if the address change notification includes change information of the e-mail address, the e-mail address before the change and the e-mail address after the change are also stored in the customer information DB 102 .

Returning to FIG. 2, the automatic transfer destination extracting means 103 refers to the customer information DB 102 and extracts the automatic transfer destination of the customer's account. At this time, necessary information is also extracted from the automatic transfer destination management DB 104 in which all automatic transfer destinations within the bank are registered.

FIG. 4 is a diagram showing a data configuration example stored in the automatic transfer destination management DB 104. As shown in FIG. The name of the automatic transfer destination, the bank code and branch code of the account of the automatic transfer destination, and the automatic transfer destination account number are stored in the automatic transfer destination management DB 104 . Stored therein are the type of account, notification means for applying for address change to the automatic transfer destination, customer's registered e-mail address, WEB link for address change procedure for the automatic transfer destination, and the like.

Returning to FIG. 2 again, proxy address change application receiving means 106 is an optional function that accepts a proxy application from the principal. The proxy application may be made after the account holder receives the candidate list 10, and then selects the destination for which the address change application is required (that is, the candidate list 10 allows the user to select the address change application destination from among the automatic transfer destinations). You may choose to do so in advance when you notify the bank of your change of address. However, in the latter case, a substitute address change application is made to all automatic transfer destinations where automatic transfer has occurred. Also, the proxy address change application means 107 sends to the automatic transfer destination specified by the account holder or all the automatic transfer destinations. The notification means at this time may be a notification postcard or data transmission (preferably in a common format) in accordance with the rules of each automatic transfer destination.

The functional configuration of the system described above is merely an example, and one functional block (database and functional processing unit) may be divided, or a plurality of functional blocks may be collectively configured as one functional block. In each functional processing unit, a CPU (Central Processing Unit) built in the device reads a computer program stored in a storage device such as ROM (Read Only Memory), flash memory, SSD (Solid State Drive), hard disk, etc. , implemented by a computer program executed by a CPU. That is, each functional processing unit reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory. It is realized by controlling hardware (for example, an input/output device, a display device, a communication interface device). In addition, the database (DB) in the embodiment of the present invention may be a commercial database, but it also means a mere collection of tables and files, and the internal structure of the database itself does not matter.

(processing flow)
FIG. 5 is a diagram showing the processing flow of the management server in this system. In this processing flow diagram (flowchart), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired.

In the following explanation, it is assumed that the user has submitted the change of address notification on the Internet (WEB). etc.), but the basic flow is the same. Therefore, when communicating in writing, in the description of the flow chart below, "receiving" and "sending" should be replaced with "receiving" and "sending". Of course, even if the address change notification is first submitted on the Internet, subsequent notifications may be received in writing.

In the following, it is assumed that the holder of the bank account (the user of this system) has already submitted an address change notice to the bank. When the management server receives the address change notification (step S10). Automatic transfer destinations to which withdrawals are repeatedly made from the customer account are extracted (step S11), a candidate list of destinations requiring notification of address change application is created (step S12), and sent to the customer's user terminal (step S13). ). or notify the customer in writing. In this case, a candidate whose address has already been notified to the user and whose address change application has been completed is described in the candidate list. The process of extracting business partners for whom withdrawals are repeated can be specifically performed as follows. Bank transaction history information generally includes item types such as "date", "customer name", "amount", and "remarks". When history information accumulated for a predetermined period is searched and there are two or more histories with the same supplier name, the supplier can be determined to be a transfer recipient with repeated withdrawals.

After the process of step S13, the management server checks whether or not a proxy application request has been received from the user who has already sent the candidate list (step S14).

On the other hand, on the user side, when the candidate list is received from the management server (step S20), the user himself/herself checks the content, and if the address change application is required, the user himself/herself applies for address change (step S22). , the user decides whether or not to have the bank apply for the proxy (step S21). If a proxy application is to be made, a proxy application request (proxy address change application request) is transmitted to the management server (step S23).

When the user side receives the substitute application form from the management server, it confirms the contents thereof and transmits a confirmation notice to the management server (step S24). After receiving this confirmation notice, the management server applies for the change of address to the automatic transfer destination (step S16).

If the management server has not received a proxy application request (step S14: N), it ends the process. An application form is created (step S15) and notified to the applicant (step S16). This means of notification is transmission of application data or a notification postcard. In the case of data transmission, it is desirable to define a common format, although the format may be adapted to each notification destination.

FIG. 6 is a diagram showing an input screen image of an address change notification in this system. A screen 500 in this figure shows an address change notification screen 510, a substitute address change application notification screen 520, and an e-mail address change notification screen 530 collectively. The address change notification screen 510 is a screen showing the contents of a conventional address change notification, and currently lists input items for address change notification in Internet banking. The proxy address change application notification screen 520 is a screen for designating whether or not the proxy address change application, which is an optional function provided by this system, is required. The e-mail address change notification screen 530 is a screen for notifying a change of the e-mail address, which is also an optional function of this system, at the same time as the address change. It is also possible to specify whether the proxy address change application is required or not for each application destination after receiving the candidate list (see FIG. 7).

FIG. 7 is a diagram showing a display screen image of an address change application destination candidate list in this system. The address change application destination candidate list display screen 600 is a screen that can be displayed on the user's terminal, but the user may be notified of it in writing such as a separate notification postcard. From this screen, the user can access the past transfer date, the automatic transfer destination, the link to the detailed information of the automatic transfer destination's address change application procedure, the necessity / non-necessity of proxy address change application, the address change application Means (web or document) and the like are displayed. On this screen, the user can grasp past transfer results, apply for address change for automatic transfer recipients who will continue to do business in the future, and select not to apply for address change for automatic transfer recipients who will no longer need transactions in the future. can be done.

(Second embodiment)
FIG. 8 is a diagram showing a functional configuration example of a system according to the second embodiment of the present invention. In the first embodiment, the bank system performs an address change procedure for the automatic transfer destination of the customer's account. In the second embodiment, instead of the bank system, the system of the card company does the same thing. Unlike banks, credit card companies don't have direct debits, but they do have automatic payees that generate recurring charges to your credit card. Automatic payments include, for example, utility charges, communication charges, taxes, membership fees, and the like. Many of the payments that used to be made by bank account transfer can also be paid by credit card. In the second embodiment, only by submitting an address change notification to the credit card company, it is possible to apply for the change of address to the automatic payee as well.

As shown in the figure, in this embodiment, the server 300 of the customer information management system of the credit card company serves as the core, and the automatic transfer destination extraction means 103 of the bank system server in FIG. Only the automatic payee management DB 304 replaces the automatic transfer destination management DB 104, and functions in substantially the same way as the server 100 of the system in FIG. Since the means of other functional blocks are the same, description thereof is omitted.

(Effect of Embodiment)
According to this system, it is possible to quickly change the address of the automatic transfer destination simply by performing the procedure of changing the address with the bank. In addition, it is possible to determine to which transfer destination the address change application should be made. In addition, if a proxy application is an optional function, the bank can apply for a change of address on behalf of the customer. At this time, since the person can select which automatic transfer destination to apply for the change of address, it is possible to prevent the new address from being disclosed to the person who does not need to continue the relationship in the future. As an optional function, it is also possible to change the e-mail address at the same time as the address change procedure. Also, instead of the bank's automatic transfer destination, the card company's system can do the same for the card's automatic payment destination.

Although the present invention has been described using the embodiments, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiments. It is obvious to those skilled in the art that various modifications or improvements can be made to the above embodiments. In addition, it is clear from the description of the scope of the claims that forms with such modifications or improvements can also be included in the technical scope of the present invention.

In the above embodiments, the customer information management server was described as the invention of the product, but the invention can also be regarded as an invention of a method (management method) or an invention of a computer program (~ program). be able to.

10 Candidate List 100 Bank Customer Information Management System Server 101 Address Change Notification Receiving Means 102 Customer Information DB
103 Automatic transfer destination extracting means 104 Automatic transfer destination management DB
105 Candidate List Notifying Means 106 Alternate Address Change Application Receiving Means 107 Alternate Address Change Applying Means 110 Internal Bank Terminal 110' Card Company Internal Terminal 200 User Terminal 300 Card Company Customer Information Management System Server 301 Address Change Notification Receiving Means 302 Customer Information database
303 Automatic Payee Extraction Means 304 Automatic Payee Management DB
305 Candidate List Notifying Means 306 Alternate Address Change Application Receiving Means 307 Alternate Address Change Application Means 500 Address Change Notification Screen 510 Alternate Address Change Application Notification Screen 520 E-mail Address Change Notification Screen 600 Address Change Application Candidate List Display Screen

Claims (5)

A server for a customer information management system of a bank,
a means for accepting a change of address notification from a user who is an account holder;
Automatic transfer destination extracting means for extracting automatic transfer destinations to which automatic transfers are repeatedly performed from the account when the address change notification is received;
means for receiving an address change application from the user and transmitting to the user a candidate list for the user to determine whether or not to apply for an address change to the extracted automatic transfer destination;
proxy address change application means for deeming that a proxy address change application has been accepted for the automatic transfer destination designated by the user in the candidate list, and acting on behalf of the address change application ;
The automatic transfer destination extracting means searches history information accumulated in the holder's account for a predetermined period, and if there are more than a predetermined number of histories with the same trading partner name, the trading partner name is repeatedly debited. is a trading partner and includes it in the automatic transfer destination candidate list . 2. The server according to claim 1 , wherein said address change notification includes electronic mail address change information, and said substitute address change application means includes said electronic mail address change information in said address change application. The computer of the customer information management system of the bank
receiving a change of address notification from a user who is an account holder;
A step of extracting an automatic transfer destination to which automatic transfer is repeatedly performed from the account when the address change notification is received;
a step of notifying the user of the extracted automatic transfer destination information;
a step of receiving an address change application from the user, and transmitting to the user a candidate list for the user to determine whether or not to apply for an address change to the extracted automatic transfer destination;
a step of deeming that an alternative address application has been accepted for the automatic transfer destination specified by the user in the candidate list, and acting on behalf of the address change application;
In the step of extracting the automatic transfer destination, the history information accumulated in the holder's account for a predetermined period is searched, and if there are more than a predetermined number of histories with the same customer name, the name of the customer is a step of determining that the business partner has repeated withdrawals and including it in the automatic transfer destination candidate list;
A method comprising: 4. A program that causes a computer to execute each step according to claim 3 . A server for a customer information management system of a card company,
means for accepting a change of address notification from a user who is a card holder;
Automatic payee extraction means for extracting an automatic payee to which automatic payments are repeatedly made from the card when the address change notification is received;
means for receiving an address change application from the user and transmitting to the user a candidate list for the user to determine whether or not to apply for an address change to the extracted automatic payee ;
proxy address change application means for deeming that a proxy address application has been accepted for the automatic transfer destination designated by the user in the candidate list, and acting on behalf of the address change application ;
The automatic payee extracting means searches the card usage history of the cardholder for information on payees accumulated for a predetermined period of time, and if there are more than a predetermined number of histories with the same payee name, the payee name determines that the payee has repeated payments, and includes the payee in the automatic payee candidate list .

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