JP2002041790A - System and method for providing account opening information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account opening information providing system which enables a user to easily open a virtual account. SOLUTION: This account opening information providing system 1 receives an opening request signal representing a request to open a virtual account from a user terminal 20 by a reception part 12 and sends an information request signal showing a request for attribute information of the user to a communication trader terminal 30 that the user makes a contract with from a transmission part 11. Then the reception part 12 receives an attribute information signal showing the attribute information of the user sent from the communication trader terminal 30 and the transmission part 11 sends the attribute information signal to a virtual bank terminal 40. Thus, the user who wants to open a virtual account only sends a signal showing the request to open a virtual account, which can easily be opened.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account opening information providing system and an account opening information providing method for providing information for opening an account at an electronic settlement bank or the like developed on a website.

[0002]

2. Description of the Related Art At present, a communication terminal that can be connected to the Internet, such as a mobile phone terminal or a personal computer terminal, is used.
A service is provided that can obtain information on a bank account (for example, balance inquiry and the like) and perform various transactions (for example, transfer and the like) using the bank account. for that reason,
A user holding these communication terminals can perform work such as checking the balance of his or her own bank account and transferring money at home without having to go to a bank. In the present application, an actual bank that actually handles banknotes is particularly referred to as a “substantial bank”, and an account opened in the “substantial bank” is particularly referred to as a “substantial account”.

Further, so-called electronic settlement banks for performing settlement of purchased goods and services on the Internet are being developed on websites. A user who holds an account at such an electronic settlement bank pays for purchased products and the like using a communication terminal without going to a retail store (generally, a user's actual account or the like set at the time of opening an account). Can be debited from). In the present application, an electronic settlement bank or the like deployed on a website is referred to as a “virtual bank”, and an account opened in the “virtual bank” is referred to as a “virtual account”. Account ”.
The virtual bank (electronic settlement bank or the like) referred to in the present application handles pseudo money such as electronic money, reward points, prepaid cards, electronic prepaid cards, and prepaid points, in addition to currency, and performs electronic settlement services.

[0004]

When using a physical bank, operations such as balance inquiry and transfer can be performed using a communication terminal as described above, but the user information (name, contact information, etc.) is used. Due to the security management restriction that the physical bank must reliably specify the physical bank, it is difficult to open the physical account using only the communication terminal. Therefore, the user who wants to open a physical account goes to the physical bank and fills in necessary information (general information) such as name and contact information (or mails the written document to the physical bank), You must bring your ID card, such as a resident's card or a driver's license, to verify your identity.

[0005] As in the case of such a physical bank, a user who wants to open a virtual account also needs to open a virtual account because of the security management restriction that the information of the user who opens the virtual account must be surely specified on the virtual bank side. It was necessary to enter general information such as name, contact information, etc., and perform work such as identification for identification. In addition, when opening a virtual account, there are many cases where information such as an account number for setting up a real account that is the basis of electronic payment is required, and a user who wants to open a virtual account opens a real account. More complicated work was required in some cases.

The present invention has been made in view of the above problems, and has as its object to provide an account opening information providing system and an account opening information providing method that enable a user to easily open a virtual account. And

[0007]

An account opening information providing system according to the present invention is an account opening information providing system for providing information for opening a virtual account to a virtual bank developed on a website, First receiving means for indicating a request for opening a virtual account to a virtual bank, transmitted from a user terminal used by the user, and receiving an opening request signal for specifying a communication carrier with which the user is contracted; First transmitting means for transmitting an information request signal indicating a request for attribute information to a communication carrier, second receiving means for receiving an attribute information signal indicating attribute information of a user transmitted from the communication carrier, A second transmitting unit that transmits an attribute information signal indicating the attribute information of the user to the virtual bank.

On the other hand, an account opening information providing method according to the present invention is an account opening information providing method for providing information for opening a virtual account to a virtual bank developed on a website, and is used by a user. Originated from the user terminal,
Receiving a request to open a virtual account to the virtual bank and specifying an operator to whom the user is subscribed, and transmitting an information request signal indicating a request for user attribute information to the operator. Transmitting, receiving an attribute information signal indicating attribute information of the user transmitted from the communication carrier, and transmitting an attribute information signal indicating attribute information of the user to the virtual bank, I do.

In general, a communication carrier often obtains attribute information such as a user's name and address when making a contract for using a communication terminal. Therefore, as in these inventions, after receiving a signal indicating an opening request from the user terminal, acquiring the attribute information of the user from the communication carrier and transmitting the attribute information to the virtual bank, the virtual bank The attribute information can be used for opening a virtual account. Therefore, a user who wants to open a virtual account only needs to transmit a signal indicating a request for opening a virtual account and specify a contracted carrier from the user terminal, and to input a name, a contact address, and the like in a complicated manner. Work can be omitted.

In this account opening information providing system,
It is also preferable to further include a third transmission unit that transmits to the user terminal a notification signal for notifying that the information request signal is to be transmitted or that the attribute information signal is to be received or transmitted.

[0011] The account opening information providing method may further include a step of transmitting to the user terminal a notification signal for notifying that an information request signal is to be transmitted or an attribute information signal is to be received or transmitted. preferable.

As described above, the transmission of the information request signal, or
By transmitting to the user terminal a signal notifying that the attribute information signal is to be received or transmitted (that is, receiving and using the attribute information to the communication carrier), the user's It is possible to prevent the adverse effect that attribute information is used.

[0013] In the account opening information providing system, the first receiving means acknowledges the use of part or all of the attribute information of the user with respect to the communication carrier transmitted from the user terminal. It is also preferable that the first transmission means receives an acknowledgment signal indicating the acknowledgment and transmits an acknowledgment signal indicating the acknowledgment to the communication carrier.

In the method for providing account opening information, a step of receiving an acknowledgment signal transmitted from the user terminal, the acknowledgment signal indicating acknowledgment of using a part or all of the attribute information of the user with respect to the communication carrier; And transmitting an acknowledgment signal indicating the acknowledgment to the communication carrier.

It is legally or morally inappropriate for a telecommunications carrier to leak customer (user) information without permission.
It is understood that when the communication carrier uses the information of the user, it is necessary to separately obtain a user's consent.
Therefore, if a signal that acknowledges the use of the attribute information from the user is received and transmitted to the communication carrier,
Operators can easily get their consent,
It is possible to smoothly use the attribute information of the user.

In this account opening information providing system, it is preferable that the attribute information of the user includes information that can identify the user.

In the method for providing account opening information, it is preferable that the attribute information of the user includes information that can identify the user.

In many cases, a telecommunications carrier also obtains information (for example, information on a user's resident's card, driver's license, etc.) at the time of a contract for using a communication terminal or the like. Therefore, if the information including such identifiable information is transmitted to the virtual bank, the user who wants to open a virtual account performs identity verification without needing to show identification such as a resident card or a license. It becomes possible.

Further, in this account opening information providing system, it is preferable that the attribute information of the user includes information for specifying an entity account of an entity bank held by the user.

Further, in this account opening information providing method, it is preferable that the attribute information of the user includes information for specifying a physical account of a physical bank held by the user.

In many cases, a telecommunications carrier obtains information on a physical account of a physical bank held by a user at the time of a contract for using a communication terminal, for example, as a communication fee payment account. Therefore, if such information for identifying the real account is transmitted to the virtual bank, the user who wants to open the virtual account can save complicated work such as setting up the real account which is the basis for electronic payment and the like. become.

Further, in the account opening information providing system utilizing the information for specifying the physical account as described above, a fourth transmitting means for transmitting a content request signal indicating a request for information on the content of the physical account to the physical bank; And a third receiving means for receiving a content information signal indicating information on the contents of the real account transmitted from the real bank, wherein the second transmitting means includes a contents information signal indicating information on the contents of the real account. Is also preferably sent to the virtual bank.

In the method for providing account opening information utilizing information for specifying a physical account as described above, a step of transmitting a content request signal indicating a request for information relating to the content of the physical account to the physical bank; It is preferable that the method further includes a step of receiving the transmitted content information signal indicating the information on the content of the real account, and a step of transmitting the content information signal indicating the information on the content of the real account to the virtual bank.

As described above, if information on the contents of the real account (deposit balance, etc.) is acquired from the real bank and the content information is transmitted to the virtual bank, the information (for opening the user's virtual account at the virtual bank) is obtained. For example, it is possible to obtain information on the amount of electronic payment that can be made.

In this account opening information providing system, the first receiving means receives a desired content signal indicating desired content of the virtual account transmitted from the user terminal, and the second transmitting means provides a desired content signal. Preferably, a desired content signal indicating the content is transmitted to the virtual bank.

Further, in the method for providing account opening information, a step of receiving a desired content signal indicating desired content of the virtual account transmitted from the user terminal, and a step of transmitting the desired content signal indicating desired content to the virtual bank. It is also preferable to further include

The virtual bank operated by the virtual bank is not limited to a single virtual account. The user is allowed to select a virtual account to be opened from a plurality of types of virtual accounts, or to set some conditions on the virtual account to be opened. It may be necessary to set it. Therefore, if a signal indicating the desired contents of the virtual account (the type or conditions of the virtual account) transmitted from the user terminal is received and transmitted to the virtual bank, the user who wants to open the virtual account can receive the desired virtual account. Selection, setting of conditions, and the like can be easily performed.

In the account opening information providing system, the user terminal is preferably a mobile phone terminal.

In the method for providing account opening information, it is preferable that a mobile phone terminal is used as the user terminal.

Since the mobile phone terminal itself has an ID, the user and the communication carrier can be specified by specifying the mobile phone terminal that is the source of the signal (for example, by a telephone number). Therefore, a user who wants to open a virtual account need only transmit a signal indicating a request for opening a virtual account in a state where the mobile phone terminal to be used can be specified.
It becomes possible to open a virtual account more easily.

[0031]

BRIEF DESCRIPTION OF THE DRAWINGS FIG.
Preferred embodiments of an account opening information providing system and an account opening information providing method according to the present invention will be described in detail.
In the description of the drawings, the same or corresponding elements will be denoted by the same reference characters, without redundant description.

First, the configuration of the account opening information providing system according to the present embodiment will be described. FIG. 1 is a block diagram illustrating a configuration of an account opening information providing system according to the present embodiment and a connection relationship with another terminal. The account opening information providing system 1 includes a user terminal 20, a communication carrier terminal 30, a virtual bank terminal 4 via an Internet line N.
0 and the actual bank terminal 50, and
, A reception unit 12, a transmission / reception control unit 13, and a storage unit 14.

Here, the transmission section 11 is provided with a transmission / reception control section 13.
Under the control of, various signals can be transmitted to a predetermined destination via the Internet line N, and the receiving unit 12 is controlled by the transmission / reception control unit 13 to transmit the predetermined signal to the predetermined destination. Can be received via the Internet line N. The transmission / reception control unit 13 controls transmission and reception of various signals performed by the transmission unit 11 and the reception unit 12, stores signal information received by the reception unit 12 in the storage unit 14, and stores the signal information stored in the storage unit 14 It can be read out and transmitted to the transmission unit 11. The storage unit 14 can store and read out signal information under the control of the transmission / reception control unit 13.

Next, an operation (an account opening information providing method) of the account opening information providing system according to the present embodiment will be described with reference to a flowchart shown in FIG. Here, the user D who has made a contract to use the mobile phone terminal (user terminal) 20 with the communication carrier C on condition that the communication fee is deducted from the physical account a held by the bank A (substantial bank) is A case will be described as an example where a virtual account b is to be opened at an electronic settlement bank (virtual bank) B developed on a website using the B.20.

In this case, first, an opening request signal indicating a request to open a virtual account b to the virtual bank B is sent to the user terminal 20.
, And the opening request signal is received by the receiving unit 12 (Step 1, hereinafter abbreviated as S1). More specifically, for example, an opening request signal is transmitted when the user D clicks an “account opening request” button displayed on a website or the like where the virtual bank B is developed. The “account opening request” button includes, for example, address information of the account opening information providing system 1, and an opening request signal transmitted thereby is transmitted to the account opening information providing system 1 and received by the receiving unit 12. Will be done.

When a desired content signal indicating the desired content of the virtual account (the type or condition of the virtual account, etc.) is transmitted from the user terminal 20 together with the establishment request signal, the receiving unit 12 transmits the desired content signal. After the reception, the information included in the desired content signal is stored in the storage unit 14 by the transmission / reception control unit 13. As such a case, for example, there is a case where the user D sets a limit amount to be handled by the virtual account and then clicks the above-mentioned “account opening request” button. In this case, the receiving unit 12 A signal indicating the limit to be handled by the virtual account is received together with the opening request signal, and information indicating the limit to be handled by the virtual account is stored in the storage unit 14.

When the receiving section 12 receives the establishment request signal, the transmission / reception control section 13 refers to the telephone number or the like of the transmission source so that the transmitting user D and the communication carrier C to which the user D is contracted can be used. After being specified, the communication carrier terminal 3 used by the communication carrier C from the transmission unit 11
For 0, an information request signal indicating a request for the attribute information of the user D is transmitted (S2).

At the same time as transmitting the information request signal, the transmitting unit 11 transmits a notification signal to the user terminal 20 to notify the communication carrier C that the attribute information is provided. When the user D receiving the notification signal approves the use of the attribute information of the user D owned by the communication carrier C, an approval signal indicating this is transmitted. When receiving the acknowledgment signal in the receiving unit 12, the transmitting unit 1
1 transmits the acknowledgment signal to the communication carrier terminal 30. As described above, by notifying the user D that the attribute information is provided to the communication carrier C and transmitting the approval signal transmitted from the user D to the communication carrier C, The adverse effect of using the attribute information of the user can be prevented, and the communication carrier can easily obtain the user's consent.

Upon receiving the information request signal and the acknowledgment signal, the communication carrier C transmits an attribute information signal indicating the attribute information of the user D from the communication carrier terminal 30 with reference to the customer database and the like. An attribute information signal is received (S3). The communication carrier C has a customer database as shown in FIG. 3, for example. The attribute information of the user D is read from the customer database, and an attribute information signal indicating the information is transmitted from the communication carrier terminal 30. Will be. The transmitted attribute information signal includes, in addition to general information such as a name and contact information, information that can identify the user D, such as information regarding a resident's card and a driver's license, etc. It is assumed that information about the physical account a of the physical bank A being set is included. in this way,
By acquiring information that can identify the identity of the user D and information that identifies the physical account a held by the user D, the user D can perform complicated operations such as presentation of an identity card and setting of a physical account. Can be omitted.

When the receiving section 12 receives the attribute information signal, the transmission / reception control section 13 reads out the information specifying the physical account a of the physical bank A held by the user D from the attribute information signal, A content request signal indicating a request for information on the content of the real account a held by the user D is transmitted to the real bank terminal 50 used by the real bank A (S4).

Upon receiving the content request signal, the physical bank A transmits a content information signal indicating the content information of the real account a held by the user D from the real bank terminal 50 with reference to the account information database and the like, and In step S5, the content information signal is received. The physical bank A has, for example, an account information database as shown in FIG.
(For example, a deposit balance) is read out, and an attribute information signal indicating the information is transmitted from the physical bank terminal 50. As described above, by acquiring the content information of the real account held by the real bank by the user D, the information for opening the virtual account of the user D in the virtual bank B (for example, information about the limit amount of electronic settlement, etc.) ) Can be obtained.

After the receiving section 12 receives the content information signal, the transmitting section 11 sends the content information signal to the virtual bank terminal 40 on which the virtual bank B is developed and the content information signal obtained from the communication carrier terminal C in S3. The attribute information signal is transmitted (S6). Further, when the information indicating the desired content of the virtual account b transmitted from the user D is stored in the storage unit 14 in S1, the desired content signal indicating the desired content is also transmitted to the virtual bank terminal 40. Sent. As a result, the virtual bank B obtains information necessary for the user D to open the virtual account b (general information such as a name and contact information, information capable of identifying the user D, information of the real account a held by the user D). Information on the contents and information on the desired contents of the virtual account b).
Can open a virtual account b.

As described above, according to the account opening information providing system and the account opening information providing method according to the present embodiment, a user who wants to open a virtual account only needs to transmit a signal indicating a request to open a virtual account. Often, a virtual account can be easily opened. In addition, the virtual bank can easily acquire information necessary for opening a virtual account.

It should be noted that the account opening information providing system and the account opening information providing method according to the present invention are not limited to the embodiments described in the above embodiments, but may take various modifications in accordance with other conditions. It is possible. For example, in the above embodiment, the case where the user terminal is a mobile phone terminal has been described, but another communication terminal (a personal computer terminal or the like) may be used. However, when the terminal itself does not have an ID capable of specifying the transmission source or the communication carrier to be used, it is necessary to transmit the establishment request signal in a state where the ID is specified.

In the above-described embodiment, the case where the acknowledgment signal from the user is transmitted to the communication carrier has been described. Can be omitted. Also, when an acknowledgment signal indicating that the user approves the use of only a part of the attribute information (for example, approves the use of only general information and identification information) is received from the user, the signal indicating this is transmitted to the communication carrier. Only the attribute information that has been transmitted and accepted will be used.

[0046]

As described above, according to the account opening information providing system and the account opening information providing method according to the present invention, the user can easily open a virtual account.

That is, according to the account opening information providing system and the account opening information providing method of the present invention, a user who wants to open a virtual account can indicate a request for opening a virtual account and specify a contracted telecommunications carrier. A simple signal may be transmitted from the user terminal, and a complicated operation such as entry of a name, a contact, and the like can be omitted.

A signal notifying that the information request signal is to be transmitted or the attribute information signal is to be received or transmitted (that is, the attribute information is provided to the communication carrier and used) is transmitted to the user terminal. , It is possible to prevent a problem that the user's attribute information is used without the user's knowledge.

Also, by receiving a signal from the user approving the use of the attribute information and transmitting the signal to the communication carrier, the communication carrier can easily obtain the user's consent, and the user's attribute information can be obtained. Can be used smoothly.

Further, by transmitting information including identifiable information to the virtual bank, a user who wants to open a virtual account can confirm his / her identity without needing to show identification such as a resident card or a license. It is possible to do.

Further, by transmitting information specifying the physical account to the virtual bank, the user who wants to open the virtual account can save complicated work such as setting of the physical account which is the basis for electronic settlement. Will be possible.

Further, by acquiring information on the contents of the real account (deposit balance, etc.) from the real bank and transmitting the content information to the virtual bank, information (eg, information on opening a user's virtual account at the virtual bank) is obtained. , Information about the limit of electronic settlement, etc.).

A user who wants to open a virtual account by receiving a signal indicating the desired contents of the virtual account (type or condition of the virtual account) transmitted from the user terminal and transmitting it to the virtual bank is It is possible to easily select a desired virtual account type, set conditions, and the like.

If the user terminal used is a portable telephone terminal, a signal indicating a request to open a virtual account need only be transmitted in a state where the portable telephone terminal used by the user can be specified. Can be easily established.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of an account opening information providing system according to an embodiment and a connection relationship with another terminal.

FIG. 2 is a flowchart illustrating an operation (an account opening information providing method) of the account opening information providing system according to the embodiment.

FIG. 3 is a table showing an example of a customer database of a communication carrier;

FIG. 4 is a chart showing an example of an account information database of a physical bank.

[Explanation of symbols]

1 ... Account opening information providing system, 11 ... Transmission unit, 12 ...
Receiving unit, 13: transmission / reception control unit, 14: storage unit, 20: user terminal, 30: communication carrier terminal, 40: virtual bank terminal, 50: real bank terminal, N: Internet line

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Hiroyuki Masaki 22 Kyocera Communication System Co., Ltd., 5-5 Higashino Kitanoue-cho, Yamashina-ku, Kyoto-shi, Kyoto (72) Inventor Tomohiro Taniguchi Higashino-Kita Inoue, Yamashina-ku, Kyoto-shi, Kyoto 5 No. 22 in the town Kyocera Communication System Co., Ltd. F term (reference) 5B055 BB12 CB05 EE03 EE21

Claims (16)

[Claims] 1. An account opening information providing system for providing information for opening a virtual account to a virtual bank developed on a website, wherein the system provides information to a virtual bank transmitted from a user terminal used by a user. First receiving means for indicating a request for opening a virtual account of the user and receiving an opening request signal for specifying a communication carrier to which the user is subscribed; and transmitting an information request signal indicating a request for attribute information of the user to the communication. First transmitting means for transmitting to a carrier; second receiving means for receiving an attribute information signal indicating the attribute information of the user transmitted from the communication carrier; and an attribute information signal indicating the attribute information of the user. And a second transmitting means for transmitting the information to the virtual bank. 2. The apparatus according to claim 1, further comprising a third transmission unit configured to transmit to the user terminal a notification signal for notifying that the information request signal is transmitted or that the attribute information signal is received or transmitted. 2. The account opening information providing system according to claim 1, wherein 3. The first receiving means receives an acknowledgment signal transmitted from the user terminal, the acknowledgment signal indicating acknowledgment of using a part or all of the attribute information of the user with respect to the communication carrier. 3. The method according to claim 1, wherein the first transmitting unit transmits an acknowledgment signal indicating the acknowledgment to the communication carrier.
Account opening information providing system described in. 4. The account opening information providing system according to claim 1, wherein the attribute information of the user includes information that can identify the user. 5. The account opening information provision according to claim 1, wherein the attribute information of the user includes information for specifying a physical account of a physical bank held by the user. system. 6. A fourth transmitting means for transmitting to the physical bank a content request signal indicating a request for information on the content of the physical account, and a content indicating information on the content of the physical account transmitted from the physical bank. And a third receiving means for receiving an information signal, wherein the second transmitting means transmits a content information signal indicating information on the content of the physical account to the virtual bank. Account opening information providing system described in. 7. The first receiving means receives a desired content signal indicating desired content of the virtual account transmitted from the user terminal, and the second transmitting means includes a desired content indicating the desired content. 2. A signal is transmitted to the virtual bank.
7. The account opening information providing system according to any one of items 1 to 6. 8. The account opening information providing system according to claim 1, wherein the user terminal is a mobile phone terminal. 9. An account opening information providing method for providing information for opening a virtual account to a virtual bank developed on a web site, wherein the method comprises the steps of: Receiving a request to open a virtual account and specifying an operator to which the user is subscribed, and transmitting an information request signal indicating a request for attribute information of the user to the operator. And receiving an attribute information signal indicating the attribute information of the user transmitted from the communication carrier; and transmitting an attribute information signal indicating the attribute information of the user to the virtual bank. A method for providing account opening information. 10. The method according to claim 1, further comprising transmitting a notification signal to the user terminal for notifying that the information request signal is transmitted or that the attribute information signal is received or transmitted. 9. The method for providing account opening information described in 9. 11. A step of receiving an acknowledgment signal transmitted from the user terminal, the acknowledgment signal indicating acknowledgment of using part or all of the attribute information of the user with respect to the communication carrier; 11. The method according to claim 9, further comprising transmitting a signal to the communication carrier. 12. The account opening information providing method according to claim 9, wherein the attribute information of the user includes information that can identify the user. 13. The provision of account opening information according to claim 9, wherein the attribute information of the user includes information for specifying a physical account of a physical bank held by the user. Method. 14. A step of transmitting a content request signal indicating a request for information on the contents of the physical account to the physical bank, and receiving a contents information signal transmitted from the physical bank and indicating information on the contents of the physical account. The method according to claim 13, further comprising: transmitting a content information signal indicating information on the content of the physical account to the virtual bank. 15. The method further comprising: receiving a desired content signal indicating desired content of the virtual account transmitted from the user terminal; and transmitting a desired content signal indicating the desired content to the virtual bank. The method for providing account opening information according to any one of claims 9 to 14, wherein: 16. The account opening information providing method according to claim 9, wherein a mobile phone terminal is used as said user terminal.