JP7430965B1 - Direct debit processing systems and programs - Google Patents

Abstract

[Problem] To enable quick and easy setting of account transfer. [Solution] The receiving institution processing system includes an acquisition unit that obtains receiving institution user information for identifying users who use the receiving institution from the receiving institution, and a receiving unit that acquires receiving institution user information for identifying users who use the receiving institution. The reception section accepts the user's account transfer settings from the automated teller machine and the name-related information necessary to confirm the user's name, and compares the user information of the receiving institution with the name-related information. A confirmation section that confirms whether the names match; and a setting request section that requests the financial institution to set up a fund transfer using the account specified by the user if the names match. and. [Selection diagram] Figure 2

Description

The present invention relates to an account transfer processing system and program.

Account transfer, which automatically debits monthly utility bills and usage fees for various services from a user's designated financial institution account, is widely used. In order to use a bank transfer, the user must fill in the necessary information on the bank transfer request form, affix the notification seal related to the specified account, and submit the payment to the company or other receiving institution ( (including collection agencies).

A part of the deposit account transfer request form submitted to the receiving institution is sent to the financial institution of the bank account specified by the user, and the account transfer settings (registration) are performed at the financial institution, so normal administrative procedures are required. The problem is that it takes a long time (about 1 to 2 months) to complete the process.

In order to solve these problems, an account transfer contract system has been proposed in which a user operates a mobile terminal or personal computer to access Internet banking and make account transfer settings (for example, see Patent Document 1). ).

Japanese Patent Application Publication No. 2005-92684

However, if the user is not accustomed to operating the terminal, there is a problem in that the user cannot complete the account transfer settings on the Web and withdraws from the procedure.

The present invention has been made in view of the circumstances described above, and it is an object of the present invention to provide an account transfer processing system etc. that allows account transfer settings to be made quickly and easily.

An account transfer processing system according to an embodiment of the present disclosure is an account transfer processing system that performs processing related to setting up an account transfer to debit a payment amount to a receiving institution from an account at a financial institution specified by a user. an acquisition unit that acquires collection institution user information for identifying the user who uses the collection institution; and an acquisition unit that acquires the user information of the collection institution to identify the user who uses the collection institution; A reception department that accepts the name-related information necessary for user name confirmation, and a confirmation unit that confirms whether the user's name matches by comparing the receiving institution user information and the name-related information. and a setting requesting part that requests a financial institution to set up an account transfer using an account specified by the user, if a match between the names and names is confirmed.

According to the present invention, it is possible to quickly and easily set up account transfer.

1 is a diagram schematically showing an information processing system according to an embodiment of the present invention. FIG. 2 is an explanatory diagram illustrating the flow of operations when setting up account transfer using the information processing system. It is a diagram showing the appearance of an ATM. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is an image diagram of an ATM screen. It is a flowchart which shows the flow of setting operation of account transfer.

Embodiments of the present invention will be described in detail below with reference to the drawings. Note that the same elements are given the same reference numerals and redundant explanations will be omitted.

A. Embodiment FIG. 1 is a diagram schematically showing an information processing system according to an embodiment of the present invention. As shown in FIG. 1, an information processing system 1000 includes an ATM (Automated Teller Machine) 100 that a user operates to set up account transfers, and processes related to account transfer settings in response to a user's request. An account transfer processing system 200 that executes the transaction, a financial institution system 300 operated by a bank or the like that holds the user's deposit account and accepts requests for account transfer settings, and a storage system operated by a company or the like to which usage fees are paid. The system includes an engine system 400. Note that the ATM 100 can be installed in various locations such as convenience stores, retail stores, airports, and stations.

The ATM 100, the account transfer processing system 200, the financial institution system 300, and the receiving institution system 400 are interconnected via a communication network N, respectively. The communication network N may be, for example, the Internet, a LAN, a telephone line, an in-house network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof. Often, it doesn't matter if it's wired or wireless.

The account transfer processing system 200, the financial institution system 300, and the receiving institution system 400 are, for example, general-purpose server computers, and may be composed of one computer, or may be composed of a plurality of computers distributed over the communication network N. may be done. The computers constituting each system 200, 300, and 400 include a control device including a CPU, a storage device including a semiconductor memory, an input device including a touch panel, a mouse, etc., as well as general computer hardware. It consists of a communication device equipped with a communication interface.

The account transfer processing system 200 includes a storage section 210, an acquisition section 220, a reception section 230, a confirmation section 240, and a setting request section 250, by hardware resources such as a control device working together with various software stored in a storage device. , notification unit 260, and other functions.

FIG. 2 is an explanatory diagram illustrating the flow of operations when setting up account transfer using the information processing system 1000.
Regarding the payment of fees to a collection institution, a user who wishes to transfer the fee to the collection institution accesses the collection institution system 400 using a user terminal (for example, a smartphone or a personal computer), and uses the user's information held by the collection institution. Request the provision of information regarding payment details (hereinafter referred to as receiving institution user information). Collection institution user information includes, for example, all (or part) of a collection institution code to identify a collection institution, a customer number to identify a user, a user name, and a mobile phone number, but is of course limited to these. do not have.

When the receiving institution system 400 receives a request for receiving institution user information from a user terminal, it searches a customer database (not shown) using the user identification information (for example, user's name, etc.) included in the request as a search key. Obtain the user's receiving institution user information. The receiving institution system 400 converts the acquired receiving institution user information (here, information including the receiving institution code and customer number is assumed) into a two-dimensional code such as a QR code (registered trademark), and sends it to the user terminal. (Step S1). In this embodiment, the two-dimensionally coded receiving institution user information is sent to the user's terminal, but instead of this, the two-dimensionally coded receiving institution user information is printed on paper and sent to the user. You may also mail it to: Furthermore, a one-dimensional code (barcode) may be used instead of a two-dimensional code.

Furthermore, the receiving institution system 400 transmits receiving institution user information to the account transfer processing system 200 in order to link the personal information (herein, receiving institution user information) of the user who desires account transfer to the account transfer processing system 200. (Step S2). Upon receiving (obtaining) the receiving institution user information from the receiving institution system 400, the account transfer processing system 200 stores this in the storage unit 210.

On the other hand, a user who receives two-dimensionally coded collection institution user information via a user terminal, for example, goes to the nearest convenience store and, while shopping, operates the ATM 100 installed at the convenience store to set up account transfer. conduct.

FIG. 3 is a diagram showing the appearance of the ATM 100.
The ATM 100 includes a main display section 101, a card reading section 102 that accepts magnetic cards such as cash cards (including debit cards), a banknote deposit/withdrawal section 103 for depositing and withdrawing banknotes, an operation section 104 operated by the user, and a code reading section. 105, an optical scanning section 106, a stand 107, a sub-display section 108, a non-contact IC communication section 109, and a camera 110.

The main display unit 101 includes, for example, a display means such as a liquid crystal display, and an input means such as a touch panel that receives input from the user. A screen and input keys for guiding the user's operations are displayed on the display means, and by pressing the input keys on the touch panel, the user can input information corresponding to the input keys. Note that the user can input the same information by operating the input means (such as a numeric keypad) of the operation section 104 instead of the input means displayed on the main display section 101.

The code reading unit 105 is, for example, a code reader, and can read a two-dimensional code displayed on a user terminal held directly below the code reading unit 105.
The optical scanning unit 106 is, for example, an image scanner, and can scan, as an image, a photograph or text attached to the face of a bank card, IC card, or the like placed on the stand 107. The stand 107 has a surface that is substantially horizontal to the ground, and the optical scanning unit 106 can obtain images of constant quality without being affected by camera shake or the like.

The sub-display section 108 has a display means such as a liquid crystal display, for example, and is installed on the surface of the stand 107. The sub-display section 108 may have only a display means, or like the main display section 101, it may have an input means in addition to the display means. For example, the sub-display section 108 may display a screen that guides the position where a cash card, an IC card, or the like to be read by the optical scanning section 106 is placed. Thereby, even a user who is not accustomed to operating the ATM 100 can smoothly operate the ATM 100 without hesitation.

The non-contact IC communication unit 109 is, for example, a non-contact IC reader/writer, and is installed inside the stand 107. The non-contact IC communication unit 109 performs non-contact communication with a non-contact IC chip mounted on an IC card or the like, and can read and write information stored in the non-contact IC chip. The non-contact IC communication unit 109 can communicate with a non-contact IC chip when an IC card or the like is placed on the stand 107 .

The camera 110 is a camera device that can take moving images or still images. The camera 110 is installed so that it can take a facial image of the user operating the ATM 10.

4A to 4G and FIG. 5 are image diagrams of ATM screens for explaining the flow of procedures for account transfer using the ATM 100.

A user who wishes to make an account transfer operates the ATM 100 and inputs that he/she wishes to make an account transfer. Upon receiving such an operation, the ATM 100 displays a guidance screen P0 regarding reading the two-dimensional code on the main display unit 101 (see FIG. 4A). The user displays the two-dimensional coded receiving institution user information on the display screen of his/her own terminal according to the guide screen P0, and holds it directly below the code reading section 105 of the ATM 100. When the ATM 100 acquires the two-dimensional coded collection institution user information, the ATM 100 displays a main guide screen P1 for setting up account transfer regarding the service of the collection institution used by the user based on the acquired collection institution user information. It is displayed on the display unit 101 (see FIG. 4B).

The user presses the next button B1 by operating the touch panel of the ATM 100. When the ATM 100 accepts such an operation, it displays a guidance screen P2 on the main display section 101 to the effect that the cash card of the bank to be set as the payment account should be inserted into the card reading section 102 (see FIG. 4C).

The user inserts a bank cash card to be set as a payment account into the card reader 102 according to the guide screen P2. When the ATM 100 detects that the cash card has been inserted, it displays a guidance screen P3 on the main display unit 101 to the effect that the personal identification number (PIN) of the cash card should be entered (see FIG. 4D).

The user inputs the password according to the guide screen P3. The ATM 100 acquires the account number of the payment account from the inserted cash card, and upon acquiring the PIN number of the cash card, the ATM 100 enters the account transfer settings (e.g., receiving institution code, customer number, bank for setting the account transfer). A guide screen P4 is displayed on the main display unit 101 for the user to confirm (name, payment account number, user name, etc.) (see FIG. 4E).

The user refers to the guidance screen P4 and, after confirming that there is no problem with the account transfer settings, presses the confirmation button B2. When the ATM 100 accepts such an operation, it displays a screen on the main display unit 101 indicating that the account transfer setting has been accepted, and outputs a statement etc. showing the details of the account transfer setting.

In this way, when setting up a bank account transfer, the user can complete the setting by following the instructions screen of the ATM 100, inserting the bank's cash card to be set as the payment account, and entering the PIN number. Therefore, it is possible to prevent problems such as the user leaving the procedure due to complicated operations.

Furthermore, the ATM 100 displays a guide screen P5 on the main display unit 101 that prompts the user to scan (photograph) the face of the cash card so that the user's name can be confirmed in the account transfer processing system 200 (see FIG. 4F).

The user places the cash card on the stand 107 according to the guide screen P5, and presses the photographing button B3. When the ATM 100 detects that the photographing button B3 has been pressed, it activates the optical scanning unit 106 and scans the contents displayed on the face of the cash card (specifically, the name of the account holder of the cash card, etc.). do.

Then, the ATM 100 transmits the account transfer setting information representing the account transfer settings to the account transfer processing system 200 (step S3), and also transfers the information displayed on the face of the scanned cash card to the name-related information ( image file) to the account transfer processing system 200 (step S4).

When the account transfer processing system 200 receives (acquires) the name-related information from the ATM 100, it performs OCR processing or the like to convert the name-related information into text data. The account transfer processing system 200 compares the name-related information acquired in this manner with the collection institution user information stored in the storage unit 210, thereby determining whether the account holder of the cash card is registered with the collection institution. It is determined whether or not the users matching the names match (that is, whether the names of the users match or not) (step S5).

In the following explanation, the account transfer processing system 200 compares (verifies) the name of the cash card account holder included in the name-related information and the user name included in the receiving institution user information, as shown in FIG. , exemplifies a mode in which holder matching is confirmed in real time, but the purpose is not limited thereto. It is also possible to outsource the process to a BPO company or the like to manually confirm the identity of the holder. In this case, a person in charge of the BPO company visually checks the user's name-related information (image file) obtained through the account processing system 200 and the receiving institution user information (for example, user name) obtained from the receiving institution. This will allow you to confirm that the name matches. When the BPO company receives the result of the name match confirmation from the person in charge, it notifies the account transfer processing system 200 of the result. In addition, when manually checking the name match, the user's name-related information displayed on the face of the cash card may be visually checked as an image file (i.e., without converting it to text). , it may be converted into text by OCR processing and then visually checked.
In addition, when confirming the name match, in addition to confirming the user name, for example, the account number of the cash card inserted by the user into the ATM 100 and the account number scanned by the optical scanning unit 106 of the ATM 100 are compared. You may also check whether the account numbers match.

If the account transfer processing system 200 determines that the names of the users match, it requests the financial institution system 300 to set up an account transfer in response to the account transfer setting request from the user (step S6). Specifically, the account transfer processing system 200 transmits the account transfer setting information acquired from the ATM 100 to the financial institution system 300, including the account transfer setting request. Based on the account transfer setting request from the account transfer processing system 200, the financial institution system 300 performs an account transfer setting procedure (for example, a procedure for debiting the payment amount to the receiving institution from the bank account specified by the user). etc.). When the account transfer setting procedure is completed, the financial institution system 300 notifies the account transfer processing system 200 that the account transfer setting has been completed.

When receiving the notification from the financial institution system 300 that the account transfer setting has been completed, the account transfer processing system 200 notifies the receiving institution system 400 of the completion of the account transfer setting (step S7). Note that the account transfer processing system 200 may include the user's customer number, the bank account number set for account transfer, etc. in the account transfer setting completion notification.

Next, the flow of the account transfer setting operation executed by the account transfer processing system 200 will be described with reference to FIG. 6.
When the receiving institution system 400 transmits the two-dimensional coded receiving institution user information to the user who wishes to make an account transfer, the receiving institution user information is transferred to the account in order to link the user's personal information to the account transfer processing system 200. It is transmitted to the transfer processing system 200.

When the acquisition unit 220 of the account transfer processing system 200 receives (acquires) the receiving institution user information from the receiving institution system 400, it stores this in the storage unit 210 (step S101).
On the other hand, the user operates the ATM 100 to set up account transfer and also scans the face of the cash card necessary for name verification (see FIGS. 4A to 4F).

The reception unit 230 of the account transfer processing system 200 receives account transfer setting information representing the account transfer settings from the ATM 100, and also receives name-related information (image) displayed on the face of the cash card, which is necessary for name confirmation. file) (step S102→step S103).

The account transfer processing system 200 performs OCR processing or the like on the name-related information received from the ATM 100, and converts the name-related information into text data. After converting the name-related information into text data, the confirmation unit 240 of the account transfer processing system 200 compares this with the receiving institution user information stored in the storage unit 210 to determine whether the user names match. (step S104). Note that, as described above, instead of confirming the match between the holders in real time using the account transfer processing system 200, the match between the holders may be confirmed through a manual visual check.

If the account transfer processing system 200 determines that the user names do not match (step S104: NO), it notifies the ATM 100 that the user names do not match (step S105). Upon receiving such notification, the ATM 100 displays a message on the main display unit 101 to the effect that the account transfer setting cannot be accepted due to name mismatch. When the user confirms the message displayed on the main display section 101, the user continues setting up the account transfer by rescanning the face of the cash card. Note that if it is confirmed that the user names do not match for a predetermined number of times or more consecutively, the account transfer setting may be forcibly terminated. This makes it possible to prevent unauthorized use of the user's deposit account by impersonation or the like.

On the other hand, if the setting request unit 250 of the account transfer processing system 200 determines that the user names match (step S104: YES), the setting request unit 250 of the account transfer processing system 200 includes the account transfer setting information acquired from the ATM 100 in the account transfer setting request. By transmitting the information to the financial institution system 300, a request is made to the financial institution system 300 to set up an account transfer (step S106). When the financial institution system 300 performs the account transfer setting procedure based on the account transfer setting request, it notifies the account transfer processing system 200 that the account transfer setting has been completed.

When the notification unit 260 of the account transfer processing system 200 receives the notification that the account transfer setting is completed from the financial institution system 300, it notifies the receiving institution system 400 of the completion of the account transfer setting (step S107), Finish the process.

As explained above, according to this embodiment, when setting up a bank account transfer, the user can follow the guidance screen of the ATM 100, insert the cash card of the bank to be set as the payment account, and input the PIN number, which is extremely simple. It can be completed with a simple operation. Therefore, it is possible to prevent problems when setting up account transfer on the Web, such as users who are unfamiliar with Web operations leaving the procedure.

Furthermore, according to this embodiment, since there is no need to input information through web operations, it is possible to reduce the risk of personal information being leaked from the web, and even users who are concerned about security can feel secure about their accounts. Transfer settings can be made.

B. Modification example <Modification example 1>
In the present embodiment, the name-related information obtained by scanning the face of the cash card is used to confirm whether or not the user's names match, but the present invention is not limited to this. For example, for identity verification, the camera 110 of the ATM 100 may be used to capture a facial image of the user, and this may be stored in the storage unit 210 of the account transfer processing system 200 as historical information. In this case, although it is not possible to verify the user's name, verifying the user's identity can be expected to have the effect of deterring unauthorized use such as impersonation to a certain extent. Note that instead of (or in addition to) photographing the user's face image, the user's identification document (for example, driver's license, social security number card, etc.) may be photographed. Furthermore, when performing identity verification, the identity verification screen P6 may be generated based on the receiving institution user information acquired from the receiving institution system 400, and this may be displayed on the main display section 101 of the ATM 100 ( (see Figure 4G).

<Modification 2>
In this embodiment, a scheme has been described in which collecting institution user information is converted into a two-dimensional code such as a QR code and transmitted (issued) to a user terminal (see FIG. 2, etc.), but the present invention is not limited to this. For example, a scheme may be adopted in which the user directly operates the ATM 100 to select and input the content to be embedded in the two-dimensional code (namely, the receiving institution user information). To explain with an example, a user who desires a bank account transfer first inputs that he/she desires a bank account transfer by, for example, touching the ATM 100 (for example, by pressing a bank account transfer service button). When the ATM 100 accepts such an operation, it displays a guide screen for selecting a receiving institution for account transfer. By operating the ATM 100, the user selects a receiving institution and the like according to the guidance screen. Upon receiving such an operation, the ATM 100 displays a guidance screen prompting the user to input key information (eg, customer number, etc.) for identifying the user using the receiving institution. Note that the key information is not limited to the customer number, but may also be the user's name, address, mobile phone number, etc. In addition, instead of (or in addition to) requesting the input of key information, the optical scanning unit 106 requests the presentation of some document related to the receiving institution (for example, the user's payment slip, service usage start guide, etc.). The key information may be acquired by scanning the document. Operations after the ATM 100 acquires the key information (that is, insertion of a cash card by the user, input of a password, etc.) can be explained in the same manner as in this embodiment, so further explanation will be omitted.

Note that the present invention is not limited to the embodiments described above, and can be implemented in various other forms without departing from the gist of the present invention. Therefore, the above embodiments are merely illustrative in all respects, and should not be construed as limiting. For example, each of the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel as long as there is no inconsistency in the processing contents. Furthermore, although this embodiment does not specifically mention the case where a collection agent company exists between the collection institution and the financial institution, the present invention is similarly applicable to the case where a collection agent company exists. In this case, the two-dimensional code may include the agency code of the collection agency company, or the agency code may be additionally displayed on the screen of the ATM 100.

1000... Information processing system, 100... ATM, 200... Account transfer processing system, 210... Storage section, 220... Acquisition section, 230... Reception section, 240... Confirmation section, 250... Setting request section, 260... Notification section, 300... Financial institution system, 400...Receiving institution system

Claims (5)

An account transfer processing system that performs processing related to account transfer settings for debiting payment amounts to a receiving institution from an account at a financial institution specified by a user, the system comprising:
an acquisition unit that acquires, from the collection institution, collection institution user information for identifying the user who uses the collection institution and who attempts to set up the account transfer ;
a reception unit that receives the user's account transfer settings from the automatic teller machine based on the user's operation of the automatic teller machine, and receives name-related information necessary for name confirmation of the user; ,
a confirmation unit that checks whether the names of the users match by comparing the storage institution user information and the name-related information;
a setting request unit that requests the financial institution to set up an account transfer using the account specified by the user if the names match;
An account transfer processing system equipped with The system further includes a notification unit that notifies the receiving institution of the completion of the account transfer setting when the financial institution sets the account transfer of the user in response to the account transfer setting request. The account transfer processing system according to claim 1. 3. The accepting unit accepts, as the name-related information, information displayed on the face of a cash card regarding an account at a financial institution specified by the user, which is acquired by the automatic teller machine. account transfer processing system. The receiving institution user information includes at least a receiving institution code for identifying the receiving institution, an identification number for identifying the user, and a user name representing the name of the user,
4. The account transfer processing system according to claim 3, wherein the name-related information includes at least the name of the account holder of the cash card. A computer that performs processing related to account transfer settings to debit the payment amount to the receiving institution from the financial institution account specified by the user.
an acquisition unit that acquires, from the collection institution, collection institution user information for identifying the user who uses the collection institution and who attempts to set up the account transfer ;
a reception unit that receives the user's account transfer settings from the automatic teller machine based on the user's operation of the automatic teller machine, and receives name-related information necessary for name confirmation of the user; ,
a confirmation unit that checks whether the names of the users match by comparing the storage institution user information and the name-related information;
a setting request unit that requests the financial institution to set up an account transfer using the account specified by the user if the names match;
A program to make it work.

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