JP7433194B2 - Financial transaction processing device and financial transaction processing method - Google Patents

Description

The present invention relates to financial technology (fintech).

The provision of financial services through Internet transactions, such as Internet banking and online trading, has become widely used. For example, customers can check bank account deposit and withdrawal details, conduct bank transactions such as transfers, transfers, and foreign currency deposits through Internet banking, or buy and sell securities through online trading. Through Internet banking and online trading, customers can enjoy various financial services without visiting a branch counter.

Additionally, financial deregulation policies have made it possible for banks and securities companies to provide financial services outside of their traditional businesses. For example, the ban on over-the-counter sales of investment trusts has been lifted for banks, and this has become one of the main businesses for individuals outside of traditional banking services. Additionally, in connection with over-the-counter sales of investment trusts, customers can also take advantage of the Small Investment Tax Exemption System (NISA).

JP2013-69102A JP 2019-36098 Publication

Aeon Bank opens investment trust account (https://web.archive.org/web/20190715060409/https://www.aeonbank.co.jp/sp/investment/flow/account/)

When a customer conducts a financial transaction other than a bank transaction such as an investment trust transaction, the bank opens a transaction account for the customer and manages the financial transaction through the opened transaction account. On the other hand, in order to open a trading account, it is necessary to send identity verification documents and check the My Number, and the responsible department cross-checks the registration information for account opening application provided by the customer with the identity verification documents and My Number. A trading account will then be opened.

In view of the above-mentioned problems, an object of the present invention is to provide a financial transaction processing technique for having a person submit personal identification materials required for a financial transaction.

In order to solve the above problems, one aspect of the present invention includes a reception unit that receives customer information of the customer and a request to open a transaction account for financial transactions from a customer via a network; a screen control unit that allows the customer to select a method for submitting identity verification materials and displays a screen corresponding to the selected submission method and the customer information to the customer; The present invention relates to a financial transaction processing device that accepts input processing requests for changing information.

According to the present invention, it is possible to have customers submit personal identification materials required for financial transactions, thereby improving customer convenience.

1 is a schematic diagram illustrating financial transaction processing according to an embodiment of the present invention; FIG. FIG. 1 is a block diagram showing the hardware configuration of a financial transaction processing device according to an embodiment of the present invention. FIG. 1 is a block diagram showing the functional configuration of a financial transaction processing device according to an embodiment of the present invention. FIG. 3 is a diagram showing an account opening application screen according to an embodiment of the present invention. FIG. 3 is a diagram showing an account opening application screen according to an embodiment of the present invention. FIG. 3 is a diagram showing an account opening application screen according to an embodiment of the present invention. It is a flowchart showing account opening processing according to an embodiment of the present invention.

Embodiments of the present invention will be described below based on the drawings.

In the following embodiments, a financial transaction processing device is disclosed that provides financial services to customers over a network.

To summarize the embodiment described later, as shown in FIG. 1, a financial transaction processing device 100 receives a transaction account (for example, an investment trust transaction, etc.) from a customer terminal 50 via a network such as the Internet. Registration information (e.g., name, address, investment purpose, investment experience, etc.) required for opening an account (e.g., investment trust account, NISA account, etc.) and identification documents (e.g., My Number card, driver's license, etc.) We will accept requests for opening an account, including copies of certificates, notification cards, etc. At this time, the financial transaction processing device 100 displays a screen for the customer to select a method of submitting the identification documents (for example, uploading on the web, mailing, etc.), and selects the following method depending on the selected submission method. Display the screen. In addition, the financial transaction processing device 100 determines whether or not the customer has already submitted any of the required identity verification materials, generates the next screen and displays it to the customer so that the customer can submit only the documents that are requested to be newly submitted. do.

This allows customers to submit their personal identification materials using a desired submission method that suits their own hardware environment and operability. In addition, it is only necessary to submit new identification materials that need to be submitted, and it is possible to avoid submitting duplicate identification materials. In addition, in the following examples, we will focus on account opening processing as a process for submitting identity verification documents, but the present invention is not limited to this, and can be applied to any other process that requires confirmation or submission of identity verification documents. may apply to financial transactions.

Here, the financial transaction processing device 100 may have a hardware configuration as shown in FIG. 2, for example. That is, the financial transaction processing device 100 includes 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 to be described later in the financial transaction processing device 100 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 need to be installed on 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 programs and data from the auxiliary storage device 102 and stores them when there is an instruction to start a program. The CPU 104, which functions as a processor, executes various functions and processes of the financial transaction processing device 100, which will be described later, in accordance with various data such as programs stored in the memory device 103 and parameters necessary to execute the programs. 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 financial transaction processing device 100 is not limited to the hardware configuration described above, and may be realized by any other suitable hardware configuration.

First, referring to FIG. 3, a financial transaction processing device 100 according to an embodiment of the present invention will be described. For example, the financial transaction processing device 100 includes calculation resources for realizing Internet transactions such as Internet banking and online trading by customers, and provides various financial services through interaction with the customer terminal 50.

FIG. 3 is a block diagram showing the functional configuration of the financial transaction processing device 100 according to an embodiment of the present invention. As shown in FIG. 3, the financial transaction processing device 100 includes a reception section 110 and a screen control section 120.

The reception unit 110 receives a request for opening a transaction account for financial transactions from a customer via the network. For example, when a customer who is logged in to Internet banking applies for opening an investment trust account on the Internet banking web page in order to purchase a new investment trust in addition to bank transactions, the reception unit 110 requests the account opening. The screen control unit 120 is notified of the acceptance of the request.

The screen control unit 120 allows the customer to select a method for submitting identification materials for opening a transaction account, and displays a screen corresponding to the selected submission method to the customer. Specifically, when receiving a notification from the reception unit 110 that a customer has requested to open an account, the screen control unit 120 acquires an account opening application form and identity verification materials required for opening an account. An account opening application screen is displayed on the customer terminal 50. The account opening application screen may have a layout as shown in FIG. 4, for example.

On the account opening application screen shown in FIG. 4, the screen control unit 120 requests the customer to input personal information such as name and address that are required to be input into the account opening application form. Here, since the customer has registered for Internet banking, personal information such as name and address has already been acquired as customer information, and in order to reduce the input burden on the customer, the acquired customer information is used to The personal information required for an account opening application may be displayed on the account opening application screen as having been entered in advance, and the customer may be asked to only confirm the details. As a result of the confirmation, if there is no problem with the content, the customer presses the "OK" button, and if there is a change, the customer presses the "change" button.

Further, the screen control unit 120 allows the customer to select a method for submitting identification materials. On the illustrated account opening application screen, the screen control unit 120 provides an "upload via web" button for transmitting image data of identity verification materials via the network, and a "mail" button for submitting a copy of identity verification materials by mail. It offers two submission method options:

When the customer presses the "Upload via WEB" button, the screen control unit 120 displays an account opening application screen as shown in FIG. 5 on the customer terminal 50. The illustrated account opening application screen requests the customer to upload their personal number card or driver's license and notification card as identity verification materials. The customer takes an image of the personal number card or driver's license and notification card, and uploads the image data by pressing the "upload" button. Thereafter, the customer presses the "Open Account" button to complete the account opening application procedure.

On the other hand, when the customer presses the "mail" button, the screen control unit 120 displays an account opening application screen as shown in FIG. 6 on the customer terminal 50. On the illustrated account opening application screen, it is notified that a return kit for mailing identity verification materials will be sent to the customer's address. Thereafter, the customer presses the "Open Account" button to complete the account opening application procedure.

In one embodiment, the screen control unit 120 specifies the type of identity verification material necessary for opening a trading account based on registered customer information about the customer, and provides a screen for prompting the customer to submit the identified type of identity verification material. may be displayed to the customer. For example, when a customer applies via Internet banking to open an investment trust account for trading investment trusts, the bank has basically already acquired the customer's customer information. Therefore, customers only need to submit the necessary identification documents to open an investment trust account. Specifically, if the bank has already obtained a copy of the customer's driver's license, the screen control unit 120 displays an account opening application screen on the customer terminal 50 that requests the customer to provide identification documents other than the driver's license. may be displayed.

Note that if the identification document such as a driver's license held in the customer information is not valid at the time of application due to expiration date, address change, name change, etc., the screen control unit 120 displays the valid identification document. Customers may be asked to submit For example, the screen control unit 120 checks the validity of the identity verification materials held in the customer information, and if the retained identity verification materials are not valid, displays a screen for resubmitting valid identity verification materials. It may also be displayed on the customer terminal 50. The validity can be determined by, for example, using RPA (Robotic Process Automation) to image-recognize a copy of the identity verification material stored as customer information and check whether it has expired. It's okay to be hurt. The screen control unit 120 may display a screen for changing customer information, and the reception unit 110 may accept an input processing request for changing customer information. In addition, if valid identification documents are resubmitted, or personal information such as My Number that was not previously required to open an account is submitted, the information obtained will be stored in the customer information and It may be used not only for opening an account, but also for updating customer information on a bank account.

Next, with reference to FIG. 7, account opening processing according to an embodiment of the present invention will be described. The account opening process is realized by the above-described financial transaction processing device 100, and in particular, can be realized by the processor of the financial transaction processing device 100 executing a program. FIG. 7 is a flowchart showing account opening processing according to an embodiment of the present invention.

As shown in FIG. 7, in step S101, the financial transaction processing device 100 receives an account opening request. For example, when a customer using Internet banking desires to trade investment trusts and requests opening of an investment trust account via the Internet banking web page, the financial transaction processing device 100 performs the process of opening an investment trust account. An account opening application screen for providing the required account opening application form and identity verification materials is displayed on the customer terminal 50. For example, the financial transaction processing device 100 displays an account opening application screen as shown in FIG. 4 on the customer terminal 50, and prompts the customer to input registration details and a method for submitting identification materials required for opening an account.

In step S102, the financial transaction processing device 100 determines the method of submitting the identity verification material selected by the customer. Specifically, the financial transaction processing device 100 transfers the registration details entered by the customer on the account opening application screen shown in FIG. Determine which one has been selected.

In step S103, the financial transaction processing device 100 displays an account opening application screen corresponding to the selected submission method on the customer terminal 50. For example, if submission by uploading is selected, the financial transaction processing device 100 displays an account opening application screen as shown in FIG. and ask the customer to upload it. On the other hand, if submission by mail is selected, the financial transaction processing device 100 displays an account opening application screen as shown in FIG. Notify the customer that it will be sent. When the customer presses the "open account" button, the account opening process is completed.

In the above-described embodiments, the focus has been placed on opening investment trust accounts for customers who use Internet banking, but the present invention is not limited thereto. For example, the present invention is not limited to this. The same may apply to opening a trading account for financial products.

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. - Can be changed.

50 Customer terminal 100 Financial transaction processing device 110 Reception section 120 Screen control section

Claims (5)

a reception unit that receives requests from customers to open trading accounts for financial transactions via the network;
a screen control unit that allows the customer to select a method for submitting identification documents for opening the trading account, and displays to the customer a screen corresponding to the selected submission method and registered customer information about the customer; and,
has
The reception unit receives an input processing request for changing the customer information ,
The screen control unit specifies the type of the identity verification material necessary for opening the transaction account based on the registered customer information about the customer, and displays a screen for prompting the user to submit the identified type of identity verification material. displaying to said customer;
Financial transaction processing equipment. a reception unit that receives requests from customers to open trading accounts for financial transactions via the network;
a screen control unit that allows the customer to select a method for submitting identification documents for opening the trading account, and displays to the customer a screen corresponding to the selected submission method and registered customer information about the customer; and,
has
The reception unit receives an input processing request for changing the customer information ,
When the screen control unit determines that the identity verification materials held for the customer are not valid based on the entries in the identity verification materials, the screen control unit displays a screen for prompting the customer to submit valid identity verification materials;
Financial transaction processing equipment. Claim: The screen control unit allows the customer to select one of a first submission method of submitting the identity verification materials by uploading and a second submission method of submitting the identity verification materials by mail. The financial transaction processing device according to 1 or 2 . receiving a request for opening a trading account for financial transactions from a customer via the network;
allowing the customer to select a method for submitting identity verification materials for opening the trading account, and displaying to the customer a screen corresponding to the selected submission method and registered customer information about the customer ;
After the customer information is displayed to the customer, the computer executes the step of accepting an input processing request for changing the customer information,
The step of displaying specifies the type of identity verification material necessary for opening the trading account based on the registered customer information about the customer, and displays a screen for prompting the customer to submit the identified type of identity verification material. displaying to said customer;
Financial transaction processing methods. receiving a request for opening a trading account for financial transactions from a customer via the network;
allowing the customer to select a method for submitting identity verification materials for opening the trading account, and displaying to the customer a screen corresponding to the selected submission method and registered customer information about the customer ;
After the customer information is displayed to the customer, the computer executes the step of accepting an input processing request for changing the customer information,
In the step of displaying, if it is determined that the identification information held for the customer is not valid based on the information written in the identification information, the displaying step displays a screen for prompting the client to submit valid identification information.
Financial transaction processing methods.

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