JP7341102B2 - Corporate bank account opening system - Google Patents

Description

The present invention relates to a corporate bank account opening system.

BACKGROUND ART Conventionally, when a customer such as a natural person or a corporation applies to open a new account at a financial institution, the application is sent by mail or applied online through Internet banking. In the case of these applications, the customer mails identification documents to the financial institution, and the registration process for opening an account is performed after the financial institution verifies the identity. It took several days from application to account opening.

Various proposals have been made to reduce the effort required by customers during the application procedure for opening an account. For example, Patent Document 1 proposes a bank account opening system that easily and reliably performs registration processing for opening a bank account via the Internet while a user and an operator communicate directly over the Internet.

Furthermore, in recent years, eKYC (electronic know your customer), which performs identity verification procedures online, has been used. By using eKYC, the identity verification process for natural persons can be completed online, thereby shortening the period from application to opening an account.

JP2019-105938A

eKYC is for completing the identity verification procedure for natural persons online, but when a corporation applies to open a new account at a financial institution, the identity verification procedure for the representative of the corporation must be completed online using eKYC. However, a registered seal and documents proving the existence of a corporation are still required for the corporation's own identity verification procedures. Therefore, it is desired to propose a corporate bank account opening system that reduces the labor required for corporations to carry out their own identity verification procedures.

The purpose of this invention is to provide a corporate bank account opening system that completes the identity verification of the representative of the corporation and the corporation itself online when the corporation applies for opening a new account at a financial institution.

[1]
Based on the corporate bank account opening request information from the corporate terminal used by the corporation desiring to open a corporate account at a financial institution, the input screen for the corporate information desired to open an account, which is the corporate information regarding the corporation desiring to open an account, is displayed as described above. corporate information acquisition means for displaying on a corporate terminal and acquiring and recording the corporate information desiring to open an account from the corporate terminal ;
Display an input screen for information on the representative of the corporation wishing to open an account, which is information regarding the representative of the corporation wishing to open an account, on the corporate terminal, obtain the information of the representative of the corporation wishing to open an account from the corporate terminal , and open the account. a means for acquiring corporate representative information to be recorded in association with desired corporate information;
Information listed in the corporate registry for the corporation desiring to open an account, which is included in the corporate registration information and representative information of the corporation desiring to open an account, which corresponds to the information included in the corporate information desiring to open an account. The company desiring to open an account is obtained by acquiring the registration information of the corporation desiring to open an account, which includes the registration information of the corporate representative corresponding to the information in a means for acquiring corporate registration information that is recorded in association with the information;
The corporate information for opening an account and the registration information for a corporation wishing to open an account are displayed on the image information display means to prompt the user to confirm the corporate information displayed on the image information display means. Corporate information confirmation request means for outputting together with corporate confirmation request information;
A corporate representative who prompts confirmation of the corporate representative information displayed on the image information display means to confirm the corporate representative information displayed on the image information display means. corporate representative information confirmation request means for outputting the corporate representative information confirmation request information together with the corporate representative confirmation request information;
A corporate bank that acquires corporate information confirmation response information in response to the corporate confirmation request information and/or corporate representative information confirmation response information in response to the corporate representative confirmation request information, and determines whether or not the corporation desiring to open an account can open a corporate bank account. and means for determining whether or not an account can be opened.
The representative information of the corporation wishing to open an account includes: public document image information with a face image obtained by photographing an official document with a face image of the representative of the corporation wishing to open an account;
corporate representative face image information having still images and videos of the face of the representative of the corporation desiring to open an account, obtained when the representative information of the corporation desiring to open an account is input;
contains ,
The corporate representative information confirmation requesting means requests the corporate representative so that the facial image-attached public document image information and the corporate representative facial image information are simultaneously displayed on the same screen of the image information displaying means. output corporate representative confirmation request information that prompts confirmation of the corporate representative information desiring to open an account using only the public document image information with facial image and the corporate representative facial image information;
Corporate bank account opening system.

According to the present invention, it is possible to provide a corporate bank account opening system that completes the identity verification of the representative of the corporation and the corporation itself online when the corporation applies for opening a new account at a financial institution.

1 is a diagram illustrating an example of the configuration of a corporate bank account opening system of the present invention. 1 is a diagram illustrating an example of the configuration of a web server included in the corporate bank account opening system of the present invention. 1 is a diagram illustrating an example of the configuration of a business server included in the corporate bank account opening system of the present invention. FIG. 2 is a diagram showing an example of a corporate information input form displayed on a corporate terminal. FIG. 2 is a diagram showing an example of a corporate representative information input form displayed on a corporate terminal. 6 is a diagram illustrating another example of the corporate representative information input form following FIG. 5. FIG. 7 is a diagram illustrating another example of the corporate representative information input form following FIG. 6. FIG. 8 is a diagram illustrating another example of the corporate representative information input form following FIG. 7. FIG. 9 is a diagram showing another example of the corporate representative information input form following FIG. 8. FIG. It is a figure showing an example of a corporate representative information confirmation form displayed on an operator terminal. 11 is a diagram illustrating another example of the corporate representative information confirmation form following FIG. 10. FIG. 12 is a diagram illustrating another example of the corporate representative information confirmation form following FIG. 11. FIG. 13 is a diagram illustrating another example of the corporate representative information confirmation form following FIG. 12. FIG. It is a figure showing an example of a corporate information confirmation form displayed on an operator terminal. 15 is a diagram illustrating an example of a corporate information confirmation form following FIG. 14. FIG. 16 is a diagram illustrating another example of the corporate information confirmation form following FIG. 15. FIG. 17 is a diagram illustrating another example of the corporate information confirmation form following FIG. 16. FIG. FIG. 3 is a diagram illustrating an example of a state in which confirmation of corporate bank account opening application information displayed on an operator terminal has been completed; An example of a corporate bank account opening processing flow according to the present invention is shown.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An example of an embodiment of the present invention will be described below with reference to the accompanying drawings.

(System configuration)
The corporate bank account opening system of this embodiment includes a computer that can be connected to a communication network including the Internet communication network and a wireless communication network defined by wireless communication standards. A corporate bank account opening system consisting of a computer includes an arithmetic processing unit that is composed of a CPU and performs processing and calculations on various data, a main storage unit such as a main memory that stores various data, and a communication unit that sends and receives various information. It is equipped with. Additionally, it is possible to obtain information via an information input unit such as a touch panel, keyboard, or mouse, and to output information via a screen such as a liquid crystal display.

In the form shown in FIG. 1, the corporate bank account opening management server 4 used by a financial institution such as a bank that provides services by the corporate bank account opening system of this embodiment can communicate with the corporate bank account opening management server 4. A corporate bank account opening system 1 is provided with a connected operator terminal 5. Further, the corporate bank account opening system 1 and a corporate terminal 2 used by a corporation desiring to open an account, such as a stock company that desires to open a corporate account at the financial institution, are connected via a communication network 6, and the corporate terminal 2 Obtain corporate bank account opening request information indicating that the company wishes to open a corporate account, and obtain the corporate information regarding the corporation wishing to open an account, which is the corporate information regarding the corporation wishing to open an account, and the corporation wishing to open an account, which is information regarding the representative of the corporation wishing to open an account. The system accepts representative information, verifies the identity of the corporation wishing to open an account, and verifies the identity of the representative of the corporation wishing to open an account online, and processes the opening of a corporate bank account.

Although FIG. 1 shows a configuration in which only one corporate terminal 2 is shown, multiple accounts that wish to open a corporate account at a financial institution such as a bank that provides services by the corporate bank account opening system of this embodiment may be used. A configuration may also be adopted in which a plurality of corporate terminals 2, each used by a corporation wishing to open an account, are connected to the corporate bank account opening system 1.

In the present embodiment, "corporate information for which you wish to open an account" is information such as the name of the corporation, the representative, the date of establishment of the corporation, the address of the corporation, and the effective controller information, etc., which are input through the corporate terminal 2, which will be described later. . It is preferable that the information on the corporation wishing to open an account is information recorded in the registry of the corporation.

In addition, in this embodiment, "information on the representative of the corporation wishing to open an account" includes a driver's license, passport, My Number card, etc. with a face image of the representative of the corporation wishing to open an account, which is input via the corporate terminal 2 described later. The facial image information of a corporate representative consists of official document image information with a facial image taken from an official document such as a public document, and a still image or a still image and a moving image of the representative's face.

The corporate terminal 2 is a terminal used by a corporation that uses the corporate bank account opening service according to this embodiment to apply for opening a new account at a financial institution. The corporate terminal 2 is equipped with an imaging means 3 such as a built-in camera for photographing the above-mentioned official documents of the representative of the corporation and the face of the representative.

The operator terminal 5 is used by a person in charge of a financial institution that provides the corporate bank account opening service according to the present embodiment to a corporation to input the account opening corporate information and account opening request information that the corporate bank account opening management server 4 has acquired from the corporate terminal 2. This is a terminal used to verify the authenticity and validity of corporate representative information. In the embodiment shown in FIG. 1, a corporate bank account opening system 1 is configured including an operator terminal 5, but the corporate bank account opening system 1 and the operator terminal 5 are connected via a predetermined communication network so that information can be exchanged. Various configurations can be made as long as the configuration is the same.

The corporate terminal 2 is a terminal such as a personal computer, a tablet terminal, or a smartphone. The operator terminal 5 is a terminal such as a personal computer or a tablet terminal. The corporate terminal 2 is equipped with a web browser for accessing the corporate bank account opening management server 4 and using the corporate bank account opening service. Moreover, an application program for performing the above-mentioned identity verification through a user interface with the corporate bank account opening management server 4 is installed on the operator terminal 5.

Although not shown in the figure, both the corporate terminal 2 and the operator terminal 5 include an arithmetic processing section that is composed of a CPU or the like and processes various data and performs calculations, and a main storage section that stores various data such as a main memory. It includes a communication section that sends and receives various information. Furthermore, it is possible to obtain information via an information input unit such as a touch panel, keyboard, or mouse, and to output information via an image information display unit equipped with a screen such as a liquid crystal display.

(Configuration of corporate bank account opening management server)
The corporate bank account opening management server 4 is comprised of various servers managed by financial institutions. In this embodiment, the corporate bank account opening management server 4 includes a web server 4a and a business server 4b, as shown in FIG. Although not shown, the components of the Web server 4a and the business server 4b, which will be described later, may be installed in a single server or multiple servers to form the corporate bank account opening management server 4. It is also possible to create a server implemented on the cloud.

(Web server configuration)
The web server 4a is a server that provides a website related to the corporate bank account opening service to the corporate terminal 2 accessed by the financial institution in order to provide the corporate bank account opening service according to the present embodiment to the corporation. It is.

As shown in FIG. 2, the web server 4a includes an information transmitting/receiving means 7, a control means 8, a corporate information input form transmitting means 10, a URL issuance requesting means 11 for inputting corporate representative information, and a URL notifying means for inputting corporate representative information. It is equipped with 12.

The information transmitting and receiving means 7 transmits and receives information between the corporate terminal 2 and the business server 4b.

The control means 8 is constituted by a CPU or the like, and includes an arithmetic processing section that processes various data and performs calculations, and a main storage section such as a main memory that stores various data, and stores information by each means provided in the Web server 4a. Control processing.

The corporate information input form transmitting means 10 transmits corporate bank account opening request information, which is corporate information regarding the corporation desiring to open an account, based on corporate bank account opening request information from a corporation desiring to open a corporate account at a financial institution. Encourage the corporation desiring to open an account to input the information. For example, the corporate information input form transmitting means 10 sends the corporate terminal 2 accessing the website related to the corporate bank account opening service a "Japanese corporate number", a "corporate name", etc. as shown in FIG. A corporate information input form 31 in which corporate information for opening an account such as "head office location" and "corporate name in kana" can be entered is sent to the corporate terminal 2, and the user is prompted to input that information. Although omitted in FIG. 4, the corporate information input form 31 includes input that allows input of other information listed in the corporate register, such as representative, date of corporate establishment, effective controller information, etc. Contains items.

A person in charge of the corporation (representative, employee, etc.) operating the corporate terminal 2 inputs corporate information for opening an account into the corporate information input form 31 according to the procedure displayed on the corporate terminal 2.

The URL issuance requesting means 11 for inputting corporate representative information inputs the representative of the corporation desiring to open an account, which is information about the representative of the corporation desiring to open an account, to the corporate terminal 2 after the input of corporate information desiring to open an account through the corporate terminal 2 is completed. A request is made to the business server 4b to issue a URL for inputting corporate representative information in order to input information.

The corporate representative information input URL notification means 12 notifies the corporate terminal 2 of the corporate representative information input URL obtained from the business server 4b using means such as e-mail.

When the corporate terminal 2 accesses the URL for inputting corporate representative information, a corporate representative information input form 22 as shown in FIG. 5 is displayed. The corporate representative information input form 22 includes official document image information with a facial image taken of an official document such as a driver's license, passport, My Number card, etc. that has a facial image of the corporate representative attached, and the representative's facial image. This prompts the user to input information about the representative of the corporation who wishes to open an account, such as a still image of the face of the user, or facial image information of the corporation representative consisting of a still image and a moving image. In this embodiment, the form prompts the user to input image information about a driver's license with a face image of the representative of the corporation, a frontal still image of the representative's face, and a video of the head shaking.

The representative 33 of the corporation operating the corporate terminal 2 tilts the front side 32a, the back side 32b, and the license 32 of the license 32 according to the procedure displayed on the corporate terminal 2, as shown in FIGS. 5 to 7. The state is photographed by the imaging means 3.

Next, as shown in FIGS. 8 and 9, the representative 33 of the corporation moves from facing the front and sideways (for example, to the right) to the opposite side according to the procedure displayed on the corporate terminal 2. The imaging means 3 photographs the state in which the head is rotated in the direction (to the left).

(Business server configuration)
The business server 4b is a server that manages the screening process for opening a corporate bank account for a corporation that has applied for opening a corporate bank account, based on the information of the corporation desiring to open an account and the information of the representative of the corporation desiring to open an account, inputted by the corporate terminal 2. be.

As shown in FIG. 3, the business server 4b includes an information transmitting/receiving means 13, a control means 14, a storage means 15, a URL issuing means 23 for inputting corporate representative information, a corporate information acquiring means 24, a corporate representative information acquiring means 25, It is provided with a corporate registration information acquisition means 26, a corporate representative information confirmation requesting means 27, a corporate information confirmation requesting means 28, and a corporate bank account opening propriety determining means 29.

The information transmitting/receiving means 13 transmits and receives information between the corporate terminal 2, the Web server 4a, and the operator terminal 5.

The control means 14 is constituted by a CPU or the like, and includes an arithmetic processing section that processes various data and performs calculations, and a main storage section such as a main memory that stores various data, and stores information by each means provided in the business server 4b. Control processing.

The storage unit 15 is a storage area, such as an internal storage, that can be accessed from an application installed in the business server 4b. In this embodiment, the storage means 15 stores corporate bank account opening application information 16 and a URL 21 for inputting corporate representative information.

The corporate bank account opening application information 16 is information created by a corporate information acquisition means 24, a corporate representative information acquisition means 25, and a corporate registration information acquisition means 26, which will be described later, and is information based on the account opening request inputted by the corporate terminal 2. The corporate information 18, the representative information 19 of the corporation wishing to open an account, and the registration information 20 of the corporation wishing to open an account acquired by the corporate registration information acquisition means 26 are linked to the reception number 17.

The corporate representative information input URL 21 includes the file name of the corporate representative information input form 22 created in advance by the financial institution.

The corporate representative information input URL issuing means 23 receives a request for issuance of a corporate representative information input URL from the web server 4a, and sends the corporate representative information input URL 21 stored in the storage means 15 to the web server 4a. Issued on.

The corporate information acquisition means 24 acquires the account opening corporate information 18 input by the corporate terminal 2 in the corporate information input form 31 sent to the corporate terminal 2 by the web server 4a from the web server 4a. The corporate information acquisition means 24 performs a process of recording the acquired account opening corporate information 18 in the storage means 15 in association with the reception number 17 that identifies corporate bank account opening applications from a plurality of corporations.

In addition, when each component provided in the Web server 4a and the business server 4b is deployed in a single server to configure the corporate bank account opening management server 4, the corporate information acquisition means 24 is configured to provide information related to the corporate bank account opening service. For the corporate terminal 2 accessing the website, a corporate information input form 31 in which the corporate information 18 for opening an account as shown in FIG. A process may be performed in which the acquired corporate bank account information 18 is recorded in the storage means 15 in association with the reception number 17 that identifies corporate bank account opening applications from a plurality of corporations.

The corporate representative information acquisition means 25 acquires from the corporate terminal 2 the corporate representative information 19 that is input by the corporate terminal 2 in the corporate representative information input form 22 displayed on the corporate terminal 2 . The corporate representative information acquisition means 25 performs a process of recording the acquired account opening corporate representative information 19 in the storage means 15 in association with the account opening corporate information 18 recorded in association with the reception number 17. conduct.

Note that when the corporate bank account opening management server 4 is configured by deploying each component of the Web server 4a and the business server 4b in a single server, the corporate representative information acquisition means 25 collects the account opening corporate information 18. The corporate representative information input form 22 as shown in FIG. The desired corporate representative information 19 may be recorded in the storage means 15 in association with the account opening desired corporate information 18 recorded in association with the reception number 17.

The corporate registration information acquisition means 26 is information recorded in the corporate registry of the corporation desiring to open an account in which the corporate information 18 desired to open an account has been recorded, and is included in the corporate information 18 desiring to open an account. A record is made by acquiring the corporate registration information 20 that includes the corporate registration information corresponding to the information and the corporate representative registration information 19 that corresponds to the information included in the corporate representative information 19 desiring to open an account. A process is performed to record the information in the storage means 15 in association with the corporate information 18 that wishes to open an account.

In this process, for example, by executing a predetermined computer program, the corporate registration information acquisition means 26 accesses at a predetermined timing a website that manages information listed in the corporate register of various corporations. This is executed by acquiring the account opening corporation registration information 20 described above.

Alternatively, the operator terminal 5 operated by a person in charge of examination at a financial institution, etc., constitutes the corporate bank account opening system 1 or is connected to the corporate bank account opening system 1 via a network. An examiner at a financial institution, etc. accesses the website that manages the information listed in the corporate register of various corporations, logs in by entering an ID and password, and obtains the corporate registration information for which you wish to open an account. By acquiring 20, the above-described process performed by the corporate registration information acquisition means 26 can be executed.

The corporate representative information confirmation requesting means 27 transmits the corporate representative confirmation information 19 displayed on the image information display means to the corporate representative desiring to open an account displayed on the image information display means. A process is performed to output information 19 along with corporate representative confirmation request information that prompts confirmation.

The corporate representative confirmation request information outputted from the corporate representative information confirmation requesting means 27 is transmitted to the operator terminal 5 operated by, for example, a person in charge of screening at a financial institution and configuring the corporate bank account opening system 1. or the image information display means consisting of a liquid crystal display of the operator terminal 5 connected to the corporate bank account opening system 1 via a network.

In this embodiment, the corporate representative information confirmation requesting means 27 requests the operator terminal 5 accessing the business server 4b to identify the corporate representative who wishes to open an account linked to the designated reception number 17 as shown in FIG. Send the corporate representative information confirmation form 34 on which the information 19 is displayed. A person in charge of screening at a financial institution who operates the operator terminal 5 checks the face of the representative 33 of the corporation attached to the official document 32 according to the procedure displayed on the operator terminal 5, as shown in FIGS. 10 to 13. The validity of the official document 32 is confirmed based on a comparison between the image and a still image and a moving image of the face of the representative 33 of the corporation.

In the corporate representative information confirmation form 34 shown in FIG. The information is simultaneously displayed on the same screen of the image information display means of the terminal 5, prompting the operator terminal 5 to confirm the validity of the license 32 using a plurality of examination items 35 based on the representative information 19a and 19c of the corporation wishing to open the account. There is.

In the corporate representative information confirmation form 34 shown in FIG. 12, the corporate representative information 19b on the back of the license 32 of the corporate representative 33 associated with the reception number 17 who wishes to open an account is displayed on the image information display means of the operator terminal 5. The operator terminal 5 is prompted to confirm the validity of the license 32 using a plurality of examination items 35 based on the information 19b of the representative of the corporation desiring to open an account.

The corporate representative information confirmation form 34 shown in FIG. When the head is rotated in the opposite horizontal direction (to the left), the representative information 19a, 19d, and 19e of each corporation wishing to open an account is simultaneously displayed on the same screen of the image information display means of the operator terminal 5, The operator terminal 5 is prompted to confirm the identity of the representative 33 using a plurality of examination items 35 based on the corporate representative information 19a, 19d, and 19e.

The corporate information confirmation request means 28 sends corporate confirmation information, in which the account opening desired corporate information 18 and the account opening desired corporate registration information 20 are displayed on the image information display means, to the account opening desired corporate information displayed on the image information display means. A process is performed to output the corporate information 18 together with corporate confirmation request information that prompts confirmation.

The corporate confirmation request information output from the corporate information confirmation request means 28 is, for example, operated by a person in charge of screening at a financial institution, and is displayed on the liquid crystal display of the operator terminal 5 constituting the corporate bank account opening system 1. or a liquid crystal display of the operator terminal 5 connected to the corporate bank account opening system 1 via a network.

In this embodiment, the corporate information confirmation requesting means 28 sends the operator terminal 5 the corporate information 18 for opening an account linked to the designated reception number 17 as shown in FIGS. corporate information 19, corporate registration information 20 for opening an account obtained from a website that manages information listed in the corporate register of the various corporations, and various corporate information confirmation forms displaying multiple examination items 37. Send 36. The person in charge of screening at the financial institution who operates the operator terminal 5, as shown in FIGS. The identity of the corporation is verified based on a comparison using two types of information and/or a comparison using three types of information: corporate information 18 requesting to open an account, representative information 19 of the corporation requesting account opening, and registration information 20 of corporation requesting account opening.

In the corporate information confirmation form 36 shown in FIG. 14, the account opening corporate information 18 linked to the reception number 17 and the account opening corporate registration information 20 related to the account opening corporate information 18 are image information of the operator terminal 5. The operator terminal 5 is displayed simultaneously on the same screen of the display means, and the operator terminal 5 is instructed to confirm the identity of the corporation related to the application for opening a corporate bank account using a plurality of examination items 37 based on the corporate information 18 requesting to open an account and the registration information 20 of the corporation requesting opening an account. is encouraging. In the area where the account opening corporate information 18 is displayed, the reviewer can correct minor discrepancies (katakana, hiragana, the size of English letters, the presence or absence of spaces, etc.).

In the corporate information confirmation form 36 shown in FIG. 15, the corporate information 18 related to the reception number 17, the representative information 19a and 19b of the corporation desired to open an account, and the registration of the corporation desired to open an account related to the corporate information 18 desired to open an account. Information 20 and are simultaneously displayed on the same screen of the image information display means of the operator terminal 5, and from the corporate information 18 desiring to open an account, the representative information 19a, 19b of the corporation desiring to open an account, and the registration information 20 of the corporation desiring to open an account, the corporation The operator terminal 5 is prompted to verify the identity of the corporation related to the application for opening a bank account and the identity of the representative 33 of the corporation using a plurality of examination items 37. In the area where the account opening corporate information 18 is displayed, the reviewer can correct minor discrepancies (katakana, hiragana, the size of English letters, the presence or absence of spaces, etc.).

In the corporate information confirmation form 36 shown in FIG. 16, the corporate information 18 for opening an account linked to the reception number 17 is displayed, and from the corporate information 18 for opening an account, the effective controlling person of the corporation related to the application for opening a corporate bank account is displayed. The operator terminal 5 is prompted to confirm the following.

In the corporate information confirmation form 36 shown in FIG. 17, the account opening corporate information 18 linked to the reception number 17 and the account opening corporate registration information 20 related to the account opening corporate information 18 are image information of the operator terminal 5. A plurality of examination items 37 are simultaneously displayed on the same screen of the display means to confirm the actual situation and/or reputation of the corporation related to the application for opening a corporate account, based on the corporate information 18 for opening an account and the registration information 20 for corporations wishing to open an account. The operator terminal 5 prompts the operator to do so.

The corporate bank account opening possibility determining means 29 acquires corporate information confirmation response information in response to the corporate confirmation request information and/or corporate representative information confirmation response information in response to the corporate representative confirmation request information, and obtains corporate bank account opening confirmation response information for the corporation requesting to open an account. Performs processing to determine whether or not a bank account can be opened.

The corporate bank account opening possibility determining means 29 is operated by, for example, a person in charge of screening at a financial institution, and is connected to the operator terminal 5 constituting the corporate bank account opening system 1 or the corporate bank account opening system 1 via a network. Corporate information confirmation response information and corporate representative information confirmation response information are obtained from the operator terminal 5 that is currently being used. In this embodiment, the identity verification of the corporate representative 33 related to the corporate bank account opening application based on the account opening corporate representative information 19 shown in FIGS. 10 to 13 and the account opening corporate representative shown in FIGS. When corporate representative information confirmation response information and corporate information confirmation response information indicating that the identity verification of the corporation based on information 18 has been successfully performed by the operator terminal 5 are obtained from the operator terminal 5, a means for determining whether or not a corporate bank account can be opened. 29 makes a determination to permit the opening of a corporate bank account, and notifies the corporate terminal 2 of the result in a predetermined form. This notification includes information indicating that the opened corporate bank account can be used on the same day and the procedure for using it.

Identity verification of the representative 33 of the corporation related to the application for opening a corporate bank account based on the representative information 19 of the corporation wishing to open an account shown in FIGS. If the corporate representative information confirmation response information and corporate information confirmation response information indicating that there is a deficiency in the corporate identity verification are obtained from the operator terminal 5, the corporate bank account opening possibility determination means 29 determines that the corporate bank account opening is not possible. The corporate terminal 2 is notified of the result in a predetermined form. This notification includes information indicating that there is a deficiency in the account opening corporate information 18 or the account opening corporate representative information, and how to deal with it.

In order to improve the efficiency of the screening process on the financial institution's side, the corporate bank account opening determination means 29 is based on the corporate bank representative representative information 19 shown in FIGS. 10 to 13. The operator provides the corporate representative information confirmation response information or the corporate information confirmation response information indicating that there was a deficiency in either the identity confirmation of the person 33 or the identity confirmation of the corporation based on the corporate information 18 for opening an account shown in Figures 14 to 17. When the information is obtained from the terminal 5, it may be determined that opening a corporate bank account is not possible without instructing the operator terminal 5 to verify the identity of the other party.

In this way, according to the corporate bank account opening system 1 of this embodiment, the identity of the corporation that has applied for opening an account and the representative of the corporation can be quickly verified using eKYC. In particular, not only can the identity verification of a corporation's representative be completed online using images of official documents, facial images, and videos, but also the identity verification of a corporation can be completed using registry information without the need for a registered seal. and can be completed online.

(Corporate bank account opening process flow)
An example of the processing flow of this embodiment will be described with reference to FIG. 19.

(S101)
A corporation wishing to open a new account at a financial institution operates the corporate terminal 2 to access a website related to the corporate bank account opening service.

(S102)
The corporate information input form transmission means 10 of the web server 4a sends corporate information for opening an account such as "Japanese corporate number", "corporate name", "head office location", "corporate name in kana", etc. as shown in FIG. A corporate information input form 31 that can be entered is sent to the corporate terminal 2.

(S103)
The corporation operates the corporate terminal 2 and inputs necessary corporate information 18 for opening an account into the corporate information input form 31.

(S104)
The URL issuance requesting means 11 for inputting corporate representative information of the web server 4a sends an account opening request request to the corporate terminal 2 for the representative 33 of the corporation desiring to open an account after the corporate terminal 2 completes inputting the corporate information 18 requesting to open an account. A request is made to the business server 4b to issue a corporate representative information input URL for inputting the corporate representative information 19.

(S105)
The corporate representative information input URL issuing unit 23 of the business server 4b receives a request for issuing a corporate representative information input URL from the web server 4a, and issues the corporate representative information input URL 21 stored in the storage unit 15. is issued to the Web server 4a.
Further, the corporate information acquisition means 24 of the business server 4b acquires, from the web server 4a, the corporate information 18 for opening an account, which is input by the corporate terminal 2 in the corporate information input form 31 that the web server 4a sends to the corporate terminal 2. . The corporate information acquisition means 24 records the acquired account opening corporate information 18 in the storage means 15 in association with the reception number 17 that identifies corporate bank account opening applications from a plurality of corporations.

(S106)
The corporate representative information input URL notification means 12 of the Web server 4a notifies the corporate representative information input URL 21 acquired from the business server 4b to the corporate terminal 2 using means such as e-mail. Further, the corporate terminal 2 is notified that the input of the corporate information 18 for opening an account has been accepted.

(S107)
When the corporation operates the corporate terminal 2 to access the corporate representative information input URL 21, a corporate representative information input form 22 as shown in FIG. 5 is displayed.
As shown in FIGS. 5 to 7, the corporate representative 33 uses the imaging means 3 to photograph the front side 32a, the back side 32b, and the tilted state of the license 32 of the license 32 according to the procedure displayed on the corporate terminal 2. .
Next, as shown in FIGS. 8 and 9, the representative 33 of the corporation moves from facing the front and sideways (for example, to the right) to the opposite side according to the procedure displayed on the corporate terminal 2. The imaging means 3 photographs the state in which the head is rotated in the direction (to the left).

(S108)
The corporate representative information acquisition means 25 of the business server 4b acquires from the corporate terminal 2 the corporate representative information 19 for opening an account that is input by the corporate terminal 2 in the corporate representative information input form 22 displayed on the corporate terminal 2. do. The corporate representative information acquisition means 25 records the acquired account opening corporate representative information 19 in the storage means 15 in association with the account opening corporate information 18 recorded in association with the reception number 17. Further, it notifies the corporate terminal 2 that the input of the corporate representative information 19 desiring to open an account has been accepted.

(S109)
The corporate registration information acquisition means 26 manages the account opening corporate registration information 20 for the account opening corporation for which the account opening corporate information 18 has been recorded, and the information recorded in the corporate registry of various corporations. The information is obtained from a website where the user wants to open an account, and is recorded in the storage means 15 in association with the recorded account opening corporate information 18.

(S110)
The corporate representative information confirmation request means 27 of the business server 4b sends the information of the corporate representative wishing to open an account linked to the designated reception number 17 as shown in FIG. 10 to the operator terminal 5 accessing the business server 4b. 19 is displayed on the corporate representative information confirmation form 34.
In addition, the corporate information confirmation requesting means 29 sends the operator terminal 5 the corporate information 18 for opening an account linked to the designated reception number 17 and the information 19 for the representative of the corporation desiring to open an account, as shown in FIGS. 14 to 17. , send various corporate information confirmation forms 36 displaying corporate registration information 20 for opening an account and a plurality of examination items 37 obtained from a website that manages information listed in the corporate registers of the various corporations. do.

(S111)
A person in charge of screening at a financial institution who operates the operator terminal 5 checks the face of the representative 33 of the corporation attached to the official document 32 according to the procedure displayed on the operator terminal 5, as shown in FIGS. 10 to 13. The validity of the official document 32 is confirmed based on the comparison between the image and a still image and a video of the face of the corporate representative 33, and the information displayed on the operator terminal 5 as shown in FIGS. Compare the corporate information 18 with which you wish to open an account and the registered information 20 with which you wish to open an account, and/or the corporate information 18 with which you wish to open an account, the representative information 19 of the corporation with which you wish to open an account, and the registration information of the corporation with which you wish to open an account. The identity of the said corporation is verified based on the comparison of the three types of information with 20.

(S112)
The corporate bank account opening possibility determining means 29 acquires corporate information confirmation response information in response to the corporate confirmation request information and/or corporate representative information confirmation response information in response to the corporate representative confirmation request information, and obtains corporate bank account opening confirmation response information for the corporation requesting to open an account. Determine whether or not it is possible to open a bank account.

(S113)
The corporate bank account opening possibility determining means 29 notifies the corporate terminal 2 of the determination result regarding whether or not a corporate bank account can be opened. Identity verification of the representative 33 of the corporation related to the application for opening a corporate bank account based on the representative information 19 of the corporation wishing to open an account shown in FIGS. If the identity of the corporation is successfully verified by the operator terminal 5, the corporate bank account opening permission determination means 29 makes a determination to permit the opening of a corporate bank account, and notifies the corporate terminal 2 of the result in a predetermined form. . This notification includes information indicating that the opened corporate bank account can be used on the same day and the procedure for using it.
Identity verification of the representative 33 of the corporation related to the application for opening a corporate bank account based on the representative information 19 of the corporation wishing to open an account shown in FIGS. If there is a deficiency in the corporate identity verification, the corporate bank account opening determination means 29 determines that the corporate bank account opening is not possible, and notifies the corporate terminal 2 of the result in a predetermined form. This notification includes information indicating that there is a deficiency in the account opening corporate information or the account opening corporate representative information 19 and how to deal with it.

1 Corporate bank account opening system 2 Corporate terminal 3 Imaging means 4 Corporate bank account opening management server 4a Web server 4b Business server 5 Operator terminal 6 Communication network 7 Information transmitting/receiving means 8 Control means 10 Corporate information input form transmitting means 11 Corporate representative information Input URL issuance request means 12 Corporate representative information input URL notification means 13 Information transmission/reception means 14 Control means 15 Storage means 16 Corporate bank account opening application information 17 Reception number 18 Corporate information for opening an account 19 Information for the corporation representative for opening an account 20 Corporate registration information for wanting to open an account 21 URL for entering corporate representative information
22 Corporate representative information input form 23 URL issuing means for corporate representative information input 24 Corporate information acquisition means 25 Corporate representative information acquisition means 26 Corporate registration information acquisition means 27 Corporate representative information confirmation request means 28 Corporate information confirmation request means 29 Means for determining whether or not a corporate bank account can be opened 31 Corporate information input form 32 Official documents (license)
32a Front side 32b Back side 33 Corporate representative 34 Corporate representative information confirmation form 35 Examination item 36 Corporate information confirmation form 37 Examination item

Claims (3)

Based on the corporate bank account opening request information from the corporate terminal used by the corporation desiring to open a corporate account at a financial institution, the input screen for the corporate information desired to open an account, which is the corporate information regarding the corporation desiring to open an account, is displayed as described above. corporate information acquisition means for displaying on a corporate terminal and acquiring and recording the corporate information desiring to open an account from the corporate terminal ;
Display an input screen for information on the representative of the corporation wishing to open an account, which is information regarding the representative of the corporation wishing to open an account, on the corporate terminal, obtain the information of the representative of the corporation wishing to open an account from the corporate terminal , and open the account. a means for acquiring corporate representative information to be recorded in association with desired corporate information;
Information listed in the corporate registry for the corporation desiring to open an account, which is included in the corporate registration information and representative information of the corporation desiring to open an account, which corresponds to the information included in the corporate information desiring to open an account. The company desiring to open an account is obtained by acquiring the registration information of the corporation desiring to open an account, which includes the registration information of the corporate representative corresponding to the information in a means for acquiring corporate registration information that is recorded in association with the information;
The corporate information for opening an account and the registration information for a corporation wishing to open an account are displayed on the image information display means to prompt the user to confirm the corporate information displayed on the image information display means. Corporate information confirmation request means for outputting together with corporate confirmation request information;
A corporate representative who prompts confirmation of the corporate representative information displayed on the image information display means to confirm the corporate representative information displayed on the image information display means. corporate representative information confirmation request means for outputting the corporate representative information confirmation request information together with the corporate representative confirmation request information;
A corporate bank that acquires corporate information confirmation response information in response to the corporate confirmation request information and/or corporate representative information confirmation response information in response to the corporate representative confirmation request information, and determines whether or not the corporation desiring to open an account can open a corporate bank account. Equipped with means for determining whether or not an account can be opened;
The representative information of the corporation wishing to open an account includes: public document image information with a face image obtained by photographing an official document with a face image of the representative of the corporation wishing to open an account;
corporate representative face image information having still images and videos of the face of the representative of the corporation desiring to open an account, obtained when the representative information of the corporation desiring to open an account is input;
contains ,
The corporate representative information confirmation requesting means requests the corporate representative so that the facial image-attached public document image information and the corporate representative facial image information are simultaneously displayed on the same screen of the image information displaying means. output corporate representative confirmation request information that prompts confirmation of the corporate representative information desiring to open an account using only the public document image information with facial image and the corporate representative facial image information;
Corporate bank account opening system. The corporate information confirmation request means outputs the corporate confirmation information so that the account opening corporate information and the account opening corporate registration information are simultaneously displayed on the same screen of the image information display means. Corporate bank account opening system described in Section 1. The corporate information confirmation request means includes information included in the information on the representative of a corporation desiring to open an account, and the corporate representative registration information corresponding to the information included in the information on the corporate representative desiring to open an account. 3. The corporate bank account opening system according to claim 1, wherein the corporate verification information is outputted so as to be displayed simultaneously on the same screen of the image information display means.

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