JP7334061B2 - Document creation system, document creation method and server device - Google Patents

Description

The present invention relates to a document creation system, a document creation method, and a server device .

With the spread of personal computers, smart phones, tablets, etc., many users have come to use various financial services not only at stores but also through networks. For example, a user can use Internet banking to perform various financial transactions such as transfer without going to a store or ATM.

On the other hand, with the aging of society, private pensions involving public institutions such as Individual Defined Contribution Plans (iDeCo for short), which supplement conventional public pensions such as the national pension, are emerging. It is being expanded. For example, in iDeCo, subscribers contribute to investment products such as investment trusts with a certain upper limit, and continue to accumulate until the age of 60 in principle. For this contribution, the user can receive tax incentives, such as the full amount of the contribution being tax-deductible.

Japanese Patent Application Laid-Open No. 2004-30053

When a public institution such as an individual-type defined contribution pension plan is involved, the user is required to apply in writing. However, there are concerns about the administrative burden on the institution entrusted with procedures due to the burden of filling in documents by users, filling errors, omissions, and the like.

In view of the above problems, an object of the present invention is to provide procedure support technology that improves user convenience.

In order to solve the above problems, one aspect of the present invention provides a server device that provides services to users via a network;
a document creation device that is communicatively connected to the server device and creates a document;
has
The server device
a request receiver for receiving a procedure request for a service from a user;
an information providing unit configured to transmit first user information necessary for procedures of the service to the document creation device;
The document creation device
an information acquisition unit that acquires second user information necessary for procedures of the service from the user;
a document creation unit that creates procedural documents for the service based on the first user information and the second user information;
It relates to a document creation system having

According to the present invention, it is possible to reduce the administrative burden on the organization entrusted with procedures due to the user's burden of filling out documents, entry errors, omissions, and the like.

1 is a schematic diagram of a document production system according to one embodiment of the present invention; FIG. 1 is a block diagram showing hardware configurations of a server device and a document creation device according to an embodiment of the present invention; FIG. 1 is a block diagram showing the functional configuration of a server device according to one embodiment of the present invention; FIG. 1 is a block diagram showing the functional configuration of a document creation device according to one embodiment of the present invention; FIG. 4 is a sequence diagram showing document creation processing according to an embodiment of the present invention; FIG.

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below based on the drawings.

In the following embodiments, a document creation system is disclosed that realizes document creation processing for various services such as iDeCo that require written procedures by using user information registered in a financial institution's net banking system or the like. .

To summarize the embodiments described later, as shown in FIG. 1, after a user logs into a server device 100 such as a web server that provides an internet banking system via a user terminal 50 such as a personal computer, smartphone, or tablet, When a subscription request for financial services such as iDeCo is sent to server device 100, server device 100 receives the user's registered user information (in the case of iDeCo, name, date of birth, gender, address, contact information, account information for withdrawal, account holder, etc.) to the document creation device 200, and transition to a screen such as a website operated by the document creation device 200. FIG.

Note that the user information may be information related to attributes of the user that is not limited to the transaction request.

In addition, when information about a user is transmitted to a procedure entrusted institution or the like using a public line, there is a concern of fraudulent transactions due to impersonation due to unauthorized acquisition of information during transmission. Therefore, there is a demand for a procedure support technology with even stronger information security. This user information transmission may be performed at the same time as the screen transition, but by performing each of them separately, the risk of impersonation due to man-in-the-middle attacks can be reduced, and safer document creation becomes possible. This provides a document creation system that is highly convenient for users and has a higher level of information security when creating documents based on information input from a user terminal in a document creation system that uses a public line. can do.

Document creation device 200 confirms the information items necessary for subscribing to the requested financial service, and in addition to the user information acquired from server device 100, additionally requires information items (in the case of iDeCo, the basic pension number, Type of insurer, payment method of contribution, contribution amount category (monthly contribution amount), participation history of corporate-type defined contribution pension plan, etc.), and a screen for prompting the user to input the identified information items is displayed on the user terminal 50. Send to

The specified information item may be information unique to the transaction request.

After the user inputs the information items, the document creation device 200 inputs corresponding information of the user information obtained from the server device 100 and the user terminal 50 into the necessary items of the application form, and prints out the input application form. The printed application documents are sent to related organizations (in the case of iDeCo, the National Pension Fund Association, etc.) through, for example, an outsourcer or the like together with other necessary documents.

In this way, the user does not need to fill in each item of the required documents by handwriting, and does not need to input all the items by referring to the user information registered in the financial institution. Documents without documents can be submitted to related organizations, and the administrative burden on entrusted organizations can be reduced.

Here, the server device 100 and the document creation device 200 may have a hardware configuration as shown in FIG. 2, for example. That is, the server device 100 and the document creation device 200 have a drive device 101, an auxiliary storage device 102, a memory device 103, a CPU (Central Processing Unit) 104, an interface device 105, and a communication device 106, which are interconnected via a bus B. .

Various computer programs including programs for realizing various functions and processes described later in the server device 100 and the document creation device 200 may be provided by a recording medium 107 such as a CD-ROM (Compact Disk-Read Only Memory). When the recording medium 107 storing the program is set in the drive device 101 , the program is installed from the recording medium 107 to the auxiliary storage device 102 via the drive device 101 . However, the program does not necessarily have to be installed from the recording medium 107, and may be downloaded from any external device via a network or the like. The auxiliary storage device 102 stores installed programs, as well as necessary files and data. The memory device 103 reads and stores programs and data from the auxiliary storage device 102 when a program activation instruction is received. The CPU 104, which functions as a processor, performs various functions and processes of the server device 100 and the document creation device 200, which will be described later, according to various data such as programs stored in the memory device 103 and parameters required for executing the programs. Execute. The interface device 105 is used as a communication interface for connecting to a network or external device. The communication device 106 executes various communication processes for communicating with external devices.

However, the server device 100 and the document creation device 200 are not limited to the hardware configuration described above, and may be realized by any other appropriate hardware configuration.

First, referring to FIG. 3, a server device 100 according to an embodiment of the present invention will be described. FIG. 3 is a block diagram showing the functional configuration of the server device 100 according to one embodiment of the present invention.

As shown in FIG. 3 , the server device 100 has a request receiving section 110 and an information providing section 120 . For example, the server device 100 is a computing device that provides financial services to users via a network, and typically implements web systems for customers provided by various financial institutions, such as net banking systems provided by banks. is.

A request receiving unit 110 receives a procedure request for a service from a user. Specifically, the request receiving unit 110 receives a procedure request for a service that can be processed through the web system from a user who has logged into the customer web system, and transmits the received procedure request to the information providing unit 120 . For example, the web system for customers is an internet banking system of a bank or the like, and a logged-in user clicks an individual-type defined contribution pension plan (iDeCo) enrollment procedure icon displayed on a menu screen or the like to subscribe to iDeCo. A procedure request may be sent to the request receiving unit 110 .

In addition, the request receiving unit 110 may obtain consent from the user regarding entrusting the procedure for the requested service to the outsourcing company that operates the document creation device 200 . For example, in the case of the iDeCo subscription procedure, the request receiving unit 110 asks an affiliated outsourcing company to print the iDeCo application documents and submit the consent to the National Pension Fund Association on the web system for customers. You may make it receive via the screen of. Depending on the login information such as the ID and password provided by the user and the consent, a seal stamp for intention confirmation may be substituted.

That is, when the server device 100 and the document creation device 200 are managed by different entities, and the document created by the document creation device 200 is a document with a seal, this substitution allows the management entity of the document creation device 200 does not require the document to be affixed with the user's seal, and the user's convenience is improved to that extent.

Although the following examples focus on iDeCo, the service according to the present invention is not limited to this, and may be any service that requires written procedures. In addition, although the procedure request is explained by focusing on the subscription procedure, the procedure request according to the present invention is not limited to this, and may be any appropriate procedure involving submission of documents such as change and cancellation.

The information providing unit 120 transmits user information required for service procedures to the document creation device 200 . Specifically, when the information providing unit 120 receives a procedure request for a service from the request receiving unit 110, the information providing unit 120 identifies the information items necessary for the requested procedure, User information that matches the specified information item is determined from the information, and the determined user information is provided to the document creation device 200 along with a procedure request from the user.

Typically, various types of user information such as the user's name, date of birth, gender, address, and contact information are pre-registered in the customer-oriented web system, and the information providing unit 120 performs procedures for the requested service. Then, the extracted user information is transmitted to the document creation device 200 together with the procedure request. Furthermore, the information providing unit 120 performs screen transition to the website operated by the document creation device 200 .

Upon receiving the user information and the procedure request from the information providing unit 120, the document creating apparatus 200 causes the user to acquire the user information required for the service procedure, and the user information acquired from the information providing unit 120 and the document creating apparatus 200 acquire the user information. Create procedural documents for the service based on the user information provided.

Next, with reference to FIG. 4, the document creation device 200 according to one embodiment of the present invention will be described. FIG. 4 is a block diagram showing the functional configuration of the document creation device 200 according to one embodiment of the present invention.

As shown in FIG. 4, the document creation device 200 has an information acquisition section 210 and a document creation section 220 . Typically, document creation device 200 is a web system operated by an external company other than the financial institution that operates server device 100, and cooperates with server device 100 to execute procedures for services requested by users. do.

The information acquisition unit 210 acquires user information necessary for service procedures from the user. Specifically, upon receiving a procedure request and user information from server device 100, information acquisition unit 210 identifies the necessary items of the procedure document for the procedure, and in addition to the user information acquired from server device 100, determine if additional user information is required. Then, the information acquisition unit 210 requests the user to input the determined additionally necessary user information. When the user inputs the requested user information on the user terminal 50 , the information acquisition section 210 transmits the input user information to the document creation section 220 .

For example, in the case of joining iDeCo, the application documents include the user's name, date of birth, gender, address, contact information, account information for withdrawal of contributions, and account holder, basic pension number, insured person Type, contribution payment method, contribution amount classification (monthly contribution amount), and participation history of corporate-type defined contribution pension plans are required. For this reason, in addition to the user's name, date of birth, gender, address, contact information, account information for withdrawal of contributions, and account holder name provided by the server device 100, the information acquisition unit 210 obtains the basic pension number, the insured person, The user may be requested to input the type of pension plan, the payment method of the contribution, the classification of the contribution amount (monthly contribution amount), and the participation history of the corporate-type defined contribution pension plan. The information items of the user information acquired by the information acquisition unit 210 are not limited to these, and may be modified as appropriate due to subsequent system revisions, format changes, and the like, for example.

The document creation unit 220 creates procedural documents for services based on the user information acquired from the server device 100 and the user information acquired from the information acquisition unit 210 . Specifically, the document creation unit 220 inputs the acquired user information into the relevant items of the electronic format of the procedural documents, and prints out the entered procedural documents. The printed procedure documents are, for example, sent to an outsourcer for delivery, and after being appropriately checked for deficiencies, are sent to related organizations.

For example, in the case of a subscription procedure to iDeCo, the document creation unit 220 includes the user's name, date of birth, gender, address, contact information, account information and account holder's name, basic pension number, type of insured person, Based on the payment method, contribution amount category (monthly contribution amount), and participation history of the corporate-type defined contribution pension plan, an individual-type pension application form, a deposit account transfer request form and automatic payment application form, and a business registration application form Create a business owner's certificate pertaining to the second subscriber, send the individual type pension enrollment application form and deposit account transfer request form and automatic payment application form to the outsourcing company, and submit the business registration application and second Send the certificate of the business operator pertaining to the subscriber to the user.

The outsourcing company will send the deposit account transfer request form and automatic payment application form to the account transfer center of the financial institution, etc., and the completed business registration application form by the business owner and When the certificate is received from the user, the application form for joining the individual pension plan and the business registration application form and the business owner's certificate relating to the second subscriber are sent to the National Pension Fund Association.

In one embodiment, the information acquisition unit 210 may further allow the user to select an iDeCo investment product. iDeCo typically offers principal-guaranteed time deposits, low-risk, low-return investment trusts (short-term interest rate investment trusts, bond investment trusts, etc.), high-risk, high-return investment trusts (stock investment trusts, real estate investment trusts, etc.). etc.), investment products with various risk-return combinations are offered. The information acquisition unit 210 may, for example, present target investment products to the user, and allow the user to select which investment product is used to manage the premium. Here, investment products may be displayed with a risk/return classification such as "aggressive" or "stable."

Next, with reference to FIG. 5, document creation processing according to one embodiment of the present invention will be described. FIG. 5 is a sequence diagram showing document creation processing according to an embodiment of the present invention. The document creation processing is executed by the server device 100 and the document creation device 200. For example, the document creation processing may be realized by the processors of the server device 100 and the document creation device 200 executing a program for realizing the document creation processing. good.

As shown in FIG. 5, in step S101, the server device 100 receives a procedure request for a service from the user terminal 50. FIG. Specifically, server device 100 obtains a procedure request for a service on the website from a user who has logged into the website operated by server device 100 .

In step S102, the server device 100 acquires user information necessary for the procedure from the database. For example, the server device 100 acquires the user's name, date of birth, gender, address, contact information, debit account information, account holder, etc. registered in the web system for customers from the database.

In step S102, the server apparatus 100 may notify the user terminal 50 in advance of user information that will be additionally required thereafter. This allows the user to prepare in advance the information required for subsequent processing. Also, if the information is not at hand and subsequent processing cannot be performed, the user can cancel the processing at that time.

In step S<b>103 , the server device 100 may transmit the acquired user information together with the procedure request to the document creation device 200 , and cause screen transition to a website operated by the document creation device 200 . For example, the communication may use a communication protocol with a security function such as HTTPS.

For this transmission, it is necessary to predetermine key information for specifying the user information in the user information, or generate it prior to transmission and attach it to the user information. After receiving this user information, the document production device 200 stores it in a database or file. Then, when it is normally stored in the database or file, it responds to the server device 100 with the result.

In screen transition, either an identifier that identifies the document creation device 200 that is stored in advance is acquired, or an identifier that identifies the document creation device 200 is generated at the time of screen transition, and key information is added to the identifier. , or may be given at a predetermined position in the screen transition command. By transmitting this identifier or screen transition command, the document creation device 200 retrieves the database or file based on the key information, acquires user information, edits it, and displays it to the user.

In step S104, in addition to the user information acquired in step S103, the document creation device 200 specifies user information additionally required for the requested procedure. For example, in the case of iDeCo, the document creation device 200 additionally requires basic pension number, type of insured person, contribution payment method, contribution amount category (monthly contribution amount), and corporate type defined contribution pension history. Identifies as user information.

In step S<b>105 , the document creation device 200 transmits to the user terminal 50 an acquisition request for the identified additionally required user information. For example, the document creation device 200 may cause the user terminal 50 to display a screen for inputting necessary user information.

In step S106, the document creation device 200 additionally acquires necessary user information. For example, the document creation apparatus 200 may receive the input screen from the user terminal 50 after the user has input to the input screen displayed in step S105.

In step S107, the document creation apparatus 200 creates and prints procedural documents based on the user information acquired in steps S103 and S107. The printed procedural documents are sent to the relevant organizations via an outsourced company or the like.

Although the embodiments of the present invention have been described in detail above, the present invention is not limited to the specific embodiments described above, and various modifications can be made within the scope of the gist of the present invention described in the claims.・Changes are possible.

10 document creation system 50 user terminal 100 server device 110 request reception unit 120 information provision unit 200 document creation device 210 information acquisition unit 220 document creation unit

Claims (3)

a user terminal operated by a user;
a server device that provides a first service to the user via a network;
a document creation device that is communicatively connected to the server device and creates a document related to the second service ;
has
The server device
a storage unit that stores user information about the user;
a request receiving unit that receives a procedure request for the second service from the user terminal ;
a changing unit that, upon receiving the procedure request, changes the contact of the user terminal to an address indicated by the resource location identifier for the second service;
an information providing unit that identifies first user information necessary for procedures of the second service among the user information and transmits the first user information to the document creation device identified by the resource location identifier ;
The document creation device
an information acquisition unit that acquires from the user second user information that is not included in the first user information, among the information necessary for the procedure of the second service;
a document creation unit that creates the document by inputting the first user information and the second user information into an electronic format of the document ;
document preparation system. a step in which a server device that provides a first service to a user via a network receives a procedure request for a second service from a user terminal operated by the user ;
when said server device receives said procedure request, redirecting said user terminal to an address indicated by a resource location identifier for said second service;
a step of the server device identifying first user information necessary for the procedure of the second service among the user information relating to the user , and transmitting the first user information to the document creation device identified by the resource location identifier ;
a step in which the document creation device acquires from the user second user information, which is not included in the first user information, among information necessary for the procedure of the second service;
the document preparation device entering the first user information and the second user information into an electronic format of the document regarding the second service to prepare the document ;
document preparation method. A server device that provides a first service to a user via a network,
The server device
a storage unit that stores user information about the user;
a request receiving unit that receives a procedure request for a second service from a user terminal operated by the user ;
a changing unit that, upon receiving the procedure request, changes the contact of the user terminal to an address indicated by the resource location identifier for the second service;
an information providing unit that identifies first user information necessary for the procedure of the second service among the user information and transmits the first user information to the document creation device identified by the resource location identifier ;
has
The document creation device
acquiring from the user second user information not included in the first user information among the information necessary for the procedure of the second service, and combining the first user information and the second user information creating the document by entering it into an electronic format of the document regarding the second service;
Server device.

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