JP2016152035A - Account application method and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account application method and system configured not to receive an application for an account from a district where business activities are not operated.SOLUTION: A portable terminal 10 acquires a postal code as information specifying a district including an address of an applicant, and transmits the postal code to a reception server 20. The reception server 20 refers to storage means provided in the reception server 20 using the postal code received from the portable terminal 10, determines whether the received postal code is within a business territory or outside the business territory, and transmits information based on the determination result to the portable terminal 10. When receiving the information that the location is outside the business territory, as the information based on the determination result, the portable terminal 10 presents the information that it is outside the business territory, and, when receiving the information that it is within the business territory, transmits to the reception server 20, input information necessary for opening the account on the basis of an instruction of the applicant.SELECTED DRAWING: Figure 9

Description

  The present invention relates to a technique for applying for opening an account such as a bank account.

  Conventionally, when opening an account in a financial institution such as a bank, procedures such as going to a window to confirm the identity and filling in a document have been performed. In recent years, with the development of computer and communication network technology, it has become possible to open an account using a portable terminal (see Patent Document 1).

JP 2014-21765 A

  In the banking business, the scope of business is specified, and in particular, local banks often conduct business in a limited area. In this case, an application for opening an account is made via the network, and even if the bank computer accepts it properly, if it is out of the business area, it will be sent to the applicant separately. There is a problem that it must explain that cannot be opened.

  Therefore, an object of the present invention is to provide an account application method and system capable of not accepting application for an account from an area where the business cannot be performed.

In order to solve the above problems, in the first aspect of the present invention,
A method of applying for an account using a portable terminal capable of inputting information and a reception server connected to the portable terminal so that data can be transmitted and received,
The portable terminal obtains information identifying a region including the applicant's address;
The portable terminal transmitting information specifying an area including the applicant's address to the reception server;
The reception server uses the information specifying the area received from the portable terminal to refer to the storage means of the reception server, and whether the information specifying the area is within the business area or outside the business area Determining whether or not
The reception server transmits information based on the result of the determination to the portable terminal, and
When the portable terminal receives information indicating that it is out of the business area as information based on the result of the determination, the mobile terminal presents that it is out of the business area and receives information indicating that it is within the business area In this case, an account application method is provided in which the information necessary for opening an account is transmitted to the reception server based on an instruction from the applicant.

  According to the first aspect of the present invention, the portable terminal acquires information specifying the area including the applicant's address, and uses the information specifying the area to refer to the storage means provided in the reception server, If the mobile device is determined to be out of the business area, it will indicate that it is out of the business area. When it is determined that it is in the area, the information necessary for opening the account is sent to the reception server so that applications for areas from areas where business cannot be performed will not be accepted. It becomes possible to do.

  Further, according to a second aspect of the present invention, in the account application method, the storage means of the reception server stores a postal code in a business area, and specifies information including an area including the applicant's address. In the step of determining whether the business area is within or outside the business area using the postal code, the postal code in the business area and the postal code as information for specifying the area including the address of the applicant coincide with each other. This is performed depending on whether or not.

  According to the second aspect of the present invention, the storage means of the reception server stores the zip code in the business area, and uses the zip code as information for specifying the area including the applicant's address, Because the postal code of the customer and the postal code as information specifying the area including the applicant's address match, it is judged whether it is in the business area or out of the business area. It is possible to determine whether the area is inside or outside the business area.

The third aspect of the present invention is the above-described account application method,
The portable terminal displays a frame line for an identity verification medium and a frame line for an imprint that has a smaller area surrounded by the frame line than the frame line for the personal identification medium;
Photographing the personal identification medium and the imprint in a state where the portable terminal displays the personal identification medium frame line and the imprint frame line; and
The portable terminal cuts out images included in the personal identification medium frame line and the imprint frame line from the captured images acquired by the photographing, and acquires them as the personal verification medium image and imprint image. And further comprising:
The portable terminal transmits the personal identification medium image and the seal image as part of information necessary for opening the account.

  According to the third aspect of the present invention, the portable terminal displays a personal identification medium frame line and an imprint frame line that has a smaller area surrounded by the frame line than the personal identification medium frame line. The photograph is taken with the personal identification medium frame and the imprint frame displayed, and is included in the personal identification medium frame and the imprint frame among the captured images obtained by the photographing. Since the personal identification medium image and seal imprint image are extracted and the personal identification medium image and seal imprint image are transmitted as one of the information necessary for opening an account, the information for personal identification is efficiently and reliably acquired. It becomes possible.

In the fourth aspect of the present invention,
A system for applying for an account using a portable terminal capable of inputting information and a reception server connected to the portable terminal so that data can be transmitted and received,
The portable terminal is
A means of obtaining information identifying the region containing the applicant's address;
Means for transmitting information specifying an area including the address of the applicant to the reception server;
As information based on the result of the determination by the reception server, when receiving information indicating that it is outside the business area, when indicating that it is outside the business area, and when receiving information indicating that it is within the business area, Means for transmitting the information necessary for opening the entered account to the reception server based on the instructions of the applicant,
The reception server is
Storage means for storing information for identifying the area indicating the business area;
Means for determining whether the information for specifying the area is within the business area or outside the business area by referring to the storage means using the information specifying the area received from the portable terminal;
Means for transmitting information based on the result of the determination to the portable terminal;
An account application system is provided.

  According to the fourth aspect of the present invention, the account application method of the first aspect of the present invention can be realized by the system.

  Further, according to a fifth aspect of the present invention, in the account application system, the storage means of the reception server stores a postal code in a business area, and specifies information including an area including the applicant's address. The means for determining whether the business area is outside or outside the business area using the postal code is the same as the information specifying the area including the address of the applicant. This is performed depending on whether or not.

  According to the fifth aspect of the present invention, the account application method according to the second aspect of the present invention can be realized by the system.

The sixth aspect of the present invention
The portable terminal is
A means for displaying a frame line for an identity verification medium, and a frame line for an imprint that has a smaller area surrounded by the frame line than the frame line for the personal identification medium;
Means for photographing the personal identification medium and the seal impression in a state where the border line for the personal identification medium and the border line for the impression are displayed;
Means for cutting out images included in the personal identification medium frame line and the imprint frame line from among the captured images acquired by the photographing and obtaining them as personal identification medium images and imprint images;
Means for transmitting the personal identification medium image and the seal image as part of information necessary for opening the account;
It further has these.

  According to the sixth aspect of the present invention, the account application method according to the third aspect of the present invention can be realized by the system.

In the seventh aspect of the present invention,
In order to apply for an account, it is a portable terminal connected to the receiving server data for registering information necessary for opening an account so that data can be transmitted and received,
A means of obtaining information identifying the region containing the applicant's address;
Means for transmitting information specifying an area including the address of the applicant to the reception server;
As information based on the result of the determination by the reception server, when receiving information indicating that it is outside the business area, when indicating that it is outside the business area, and when receiving information indicating that it is within the business area, Means for transmitting the information necessary for opening the input account to the reception server based on the instruction of the applicant;
A portable terminal is provided.

  According to the seventh aspect of the present invention, the account application system according to the fourth aspect of the present invention can be realized in cooperation with the reception server.

  Further, according to an eighth aspect of the present invention, a reception server connected to the portable terminal stores a postal code in a business area, and uses a postal code as information for specifying the area including the address of the applicant. Using the postal code in the business area and the postal code as information specifying the area including the applicant's address to determine whether the business area is outside the business area or not Features.

  According to the eighth aspect of the present invention, the account application system according to the fifth aspect of the present invention can be realized in cooperation with the reception server.

The ninth aspect of the present invention provides
The portable terminal is
A means for displaying a frame line for an identity verification medium, and a frame line for an imprint that has a smaller area surrounded by the frame line than the frame line for the personal identification medium;
Means for photographing the personal identification medium and the seal impression in a state where the border line for the personal identification medium and the border line for the impression are displayed;
Means for cutting out images included in the personal identification medium frame line and the imprint frame line from among the captured images acquired by the photographing and obtaining them as personal identification medium images and imprint images;
Means for transmitting the personal identification medium image and the seal image as part of information necessary for opening the account;
It further has these.

  According to the ninth aspect of the present invention, the account application system according to the sixth aspect of the present invention can be realized in cooperation with the reception server.

In the tenth aspect of the present invention,
A reception server connected to a portable terminal for inputting information necessary for opening an account so that data can be transmitted and received in order to apply for an account,
Storage means for storing information for identifying the area indicating the business area;
Means for determining whether the information for specifying the area is within the business area or outside the business area by referring to the storage means using the information specifying the area received from the portable terminal;
Means for transmitting information based on the result of the determination to the portable terminal;
Means for registering information necessary for opening an account received from the portable terminal;
There is provided a reception server characterized by comprising:

  According to the tenth aspect of the present invention, the account application system according to the fourth aspect of the present invention can be realized in cooperation with the portable terminal.

  In the eleventh aspect of the present invention, the storage means stores a zip code in a business area, and uses the zip code as information for specifying the area including the address of the applicant, thereby specifying the area. The means for determining whether the information is within the business area or outside the business area is whether the postal code in the business area and the postal code as information for identifying the area including the address of the applicant match. By this, it is determined whether it is in the business area or outside the business area.

  According to the eleventh aspect of the present invention, the account application system according to the fifth aspect of the present invention can be realized in cooperation with the portable terminal.

  In a twelfth aspect of the present invention, a program for causing a computer to function as the portable terminal is provided.

  According to the twelfth aspect of the present invention, a portable terminal for realizing an account application system can be realized by incorporating a program.

  In the thirteenth aspect of the present invention, a program for causing a computer to function as the reception server is provided.

  According to the thirteenth aspect of the present invention, it is possible to realize a reception server for realizing an account application system by incorporating a program.

  According to the present invention, there is an effect that an application for an account from an area where business cannot be performed cannot be accepted.

It is a figure which shows the utilization environment of the account application system which concerns on one Embodiment of this invention. 2 is a diagram illustrating a hardware configuration of a portable terminal 10. FIG. 2 is a diagram illustrating a hardware configuration of a reception server 20. FIG. It is a flowchart which shows the outline | summary of the account application method which concerns on one Embodiment of this invention. It is a figure which shows the mode of the screen of the portable terminal in step S1, S2. It is a figure which shows the mode of the screen of the portable terminal in step S3, S4. It is a figure which shows the mode of the screen of the portable terminal in step S5, S8. It is a figure which shows the mode of the screen of the portable terminal in step S9, S10. It is a figure which shows the mode of the screen of the portable terminal in step S11. It is a figure which shows the mode of the screen of the portable terminal in step S12, S13. It is a figure which shows the mode of the screen of the portable terminal in a modification.

<1. System configuration>
DESCRIPTION OF EXEMPLARY EMBODIMENTS Hereinafter, preferred embodiments of the invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing a use environment of an account application system according to an embodiment of the present invention. In FIG. 1, 10 is a portable terminal, 20 is a reception server, and 30 is a network. The portable terminal 10 and the reception server 20 are connected to a public network 30 such as the Internet, and can exchange data with each other. The account application system is configured to include at least a portable terminal 10 and a reception server 20. Information necessary for opening an account obtained by the account application system is registered in the reception server 20.

  The portable terminal 10 is a portable terminal device having an information processing function such as a smartphone and a tablet terminal, a network communication function, and a display function. The portable terminal 10 transmits information specifying an input region to the reception server 20 and When it is determined that the area is within the area (the area where the business is performed: the business area), information necessary for opening an account is acquired and transmitted to the reception server 20. When the reception server 20 determines whether the information specifying the region received from the portable terminal 10 is within the business region or outside the business region, returns the result, and receives information necessary for opening an account And register it.

  As described above, the portable terminal 10 can be realized by a smartphone, a tablet terminal, or the like. However, in this embodiment, a dedicated program called “application” is incorporated into a smartphone that is a multifunctional mobile phone. Realize. A smartphone is a multi-function mobile phone, but also has a function as a computer that can be controlled by operating a screen with a touch panel.

  FIG. 2 is a hardware configuration diagram of the portable terminal 10. As shown in FIG. 2, the portable terminal 10 includes a CPU (Central Processing Unit) 10a, a RAM (Random Access Memory) 10b as a main memory, a hard disk and a flash for storing programs and data executed by the CPU 10a. A large-capacity storage device 10c such as a memory; an instruction input unit 10d such as a keyboard and a touch panel; a data input / output I / F (interface) 10e for data communication with an external device such as a data storage medium; A display unit 10f which is a display device such as an organic EL display, an RF circuit (high frequency circuit), and a communication unit 10g for wirelessly communicating with other computers via a mobile phone network and a network, a CCD, It has a camera 10h having an image sensor such as a CMOS, and is connected to each other via a bus. It is connected. Actually, the smartphone has a microphone, a speaker, and the like in addition to those shown in FIG. 2, but is omitted because it is irrelevant to the present embodiment.

  FIG. 3 is a hardware configuration diagram of the reception server 20. The reception server 20 is realized by incorporating a dedicated program into a general-purpose computer. Usually, it is managed by a financial institution managing an account or a contractor commissioned by a financial institution. As shown in FIG. 3, a CPU (Central Processing Unit) 20a, a main memory RAM (Random Access Memory) 20b, a hard disk for storing programs and data executed by the CPU 20a, a flash memory, etc. A storage device 20c, an instruction input unit 20d such as a keyboard, a data input / output I / F (interface) 20e for data communication with an external device such as a data storage medium, and a display unit 20f which is a display device such as a liquid crystal display And a communication unit 20g for performing network communication with other computers via a network, and are connected to each other via a bus.

  The storage device 20c stores master data of a zip code corresponding to the business area of the financial institution for which an account is to be opened. This master data also stores an address in association with the postal code. Further, in the storage device 20c, when a zip code is received from the portable terminal 10, a program for referring to the master data by the zip code and determining whether the zip code is within or outside the business area Is also remembered. Since the zip code can specify a predetermined area, it is used as information for specifying the area.

<2. Processing action>
Next, an account application method according to an embodiment of the present invention will be described using the flowchart of FIG. 4 together with the processing operation of the account application system shown in FIG. In the present embodiment, a case where a bank account is opened as an example of an application target account will be described.

  The portable terminal 10 possessed by the applicant incorporates a dedicated application program for applying for an account. In order to incorporate a dedicated application program into the portable terminal 10, for example, when a smartphone is used as the portable terminal 10, a predetermined server (not shown) is accessed via the network, and a so-called “application for account application” Download a dedicated application program.

  After incorporating the application program for applying for an account, the applicant starts the application program. Then, CPU10a of the portable terminal 10 displays a top screen on the display part 10f (step S1). Before displaying the top screen, a splash using animation or the like may be displayed. FIG. 5A is a diagram illustrating a state of the portable terminal 10 in a state where the top screen is displayed. As shown in FIG. 5A, the top screen displays two buttons, “open account” and “resume application”. The applicant can instruct by tapping these two buttons. Tapping means an operation of touching the screen by lightly tapping the touch panel once. By tapping a button displayed on the screen, an instruction corresponding to the button can be given.

  The “resume application” button is used to resume when the application process is temporarily suspended. When the “Resume application” button is tapped by the applicant, the information stored in the storage device 10c is read as part or all of the information necessary for opening an account, the corresponding screen is displayed, and the application is made. Resume processing. When “open account” is tapped by the applicant, an instruction specifying the position of the button is issued from the instruction input unit 10d, and the CPU 10a causes the display unit 10f to display a confirmation item consent screen ( Step S2).

  As shown in FIG. 5B, on the confirmation item consent screen, explanation of the confirmation item is displayed at the top of the screen. A “return” button for returning to the top screen shown in FIG. 5A is displayed at the top of the screen. At the bottom, it is easy to link about privacy policy, application handling rules, non-anti-social forces statement / commitment content, and you can check the linked content by clicking the icon on the right side respectively. ing. In the upper part, there is a square check box when you agree. Although not shown, a “apply” button is displayed by scrolling the screen. A tick is made by tapping the displayed check box. When the “apply” button is tapped by the applicant while the check box is checked, the CPU 10a displays a caution screen at the time of shooting on the display unit 10f (step S3). The shooting caution screen is displayed in exchange for consent of various confirmation items.

  The state of the portable terminal 10 at this time is shown in FIG. On the caution screen at the time of shooting, explanations about cautions at the time of shooting are displayed at the top of the screen. A “return” button for returning to the confirmation item consent screen shown in FIG. 5B is displayed at the top of the screen. A “Next” button is displayed at the bottom of the screen. When the “next” button is tapped by the applicant, the CPU 10a activates the camera 10h. Then, the screen of the display unit 10f is switched to a shooting screen through the lens of the camera 10h, and a frame line for positioning the driver's license is displayed on the shooting screen (step S4).

  The state of the portable terminal 10 at this time is shown in FIG. As shown in FIG. 6B, when switching to the shooting screen, the CPU 10a switches to the horizontally long screen format for display. This is because landscape is more suitable when shooting a driver's license. As shown in FIG. 6B, a “return” button for returning to the photographing caution screen shown in FIG. 6A is displayed at the top of the screen of the license surface photographing screen. In the right part of the screen, a “shoot” button is displayed. The frame for positioning the driver's license may have any form, but in the example of FIG. 6B, it is formed by four broken lines that form a rectangle. In this state, when the applicant aligns the driver's license with the position of the frame line and taps the “shoot” button, the camera 10h takes a picture and obtains a shot image. And CPU10a cuts out the part corresponding to the inside of the frame shown in Drawing 6 (b), and acquires it as a license surface image. Specifically, the license surface image is temporarily stored in the RAM 10b.

  Then, the CPU 10a causes the display unit 10f to display a photographing result confirmation screen on the surface of the driver's license using the acquired license surface image (step S5). The state of the portable terminal 10 at this time is shown in FIG. On the photographing result confirmation screen, the license surface image is displayed almost in the center. In addition, a “return” button for returning to the license surface photographing screen shown in FIG. Further, a “Next” button is displayed on the right side at the top of the screen. When the “next” button is tapped by the applicant, the CPU 10a activates the camera 10h. Then, the screen of the display unit 10f is switched to a shooting screen through the lens of the camera 10h, and a frame line for positioning the back side of the driver's license is displayed on the shooting screen (step S6).

  Although the back side photographing screen of the license is omitted, like the license front surface photographing screen shown in FIG. 6B, it becomes a horizontally long screen, and a “return” button and a “photograph” button are displayed. A frame line for positioning the driver's license is displayed in the center. In this state, when the applicant aligns the back side of the driver's license with the position of the frame line and taps the “shoot” button, the camera 10h takes a picture and obtains a shot image. And CPU10a cuts out the part corresponding to a frame line among the obtained images, and acquires it as a license back image. Specifically, the back side image of the license is temporarily stored in the RAM 10b.

  And CPU10a displays the imaging | photography result confirmation screen of a back surface on the display part 10f (step S7). Although the back side shooting result confirmation screen is omitted, it is a horizontally long screen, similar to the front side shooting result confirmation screen shown in FIG. A “Back” button is displayed, and a “Next” button is displayed on the upper right side of the screen. When the “next” button is tapped by the applicant, the CPU 10a activates the camera 10h. Then, the screen of the display unit 10f is switched to an imprint photographing screen through the lens of the camera 10h, and a frame line for positioning the imprint is displayed on the imprint photographing screen (step S8).

  The state of the portable terminal 10 at this time is shown in FIG. As shown in FIG. 7B, a “return” button for returning to the shooting result confirmation screen on the back surface is displayed at the top of the shooting screen. In the right part of the screen, a “shoot” button is displayed. The frame line for positioning the seal impression may have any form, but in the example of FIG. 7B, it is formed by four broken lines constituting a rectangle. In this state, when the applicant aligns the seal impression with the position of the frame line and taps the “shoot” button, the camera 10h takes a shot and acquires a shot image. And CPU10a cuts out the part corresponding to the inside of the frame shown in Drawing 7 (b), and acquires it as an imprint image. Specifically, the seal image is temporarily stored in the RAM 10b.

  When the seal image is obtained, the CPU 10a displays the seal confirmation screen on the display unit 10f (step S9). The state of the portable terminal 10 at this time is shown in FIG. As shown in FIG. 8 (a), when switching to the seal impression confirmation screen, the CPU 10a switches to the vertically long screen format for display. On the seal impression confirmation screen, an explanation about the precautions at the time of shooting is displayed at the top of the screen. In addition, a “return” button for returning to the imprint photographing screen shown in FIG. On the upper right side of the screen, a “Next” button is displayed.

  When the “next” button is tapped by the applicant, the CPU 10a reads “name” and “birth date” from the license surface image temporarily stored in the RAM 10b. Specifically, “name” and “birth date” are read using a known character recognition algorithm. Then, the CPU 10a displays a reading result confirmation screen on the display unit 10f (step S10). The state of the portable terminal 10 at this time is shown in FIG. As shown in FIG. 8 (b), on the reading result confirmation screen, confirmation text is displayed at the top of the screen, and a "name" check box and a "birth date" check box are displayed at the bottom of the screen. Is done. Further, a “return” button for returning to the seal confirmation screen shown in FIG. 8A is displayed on the upper left side of the screen, and a “next” button is displayed on the upper right side of the screen.

  When the “return” button is tapped by the applicant on the reading result confirmation screen shown in FIG. 8B, the process returns to step S9 and the portable terminal 10 displays the seal impression confirmation screen again. On the other hand, when the “next” button is tapped by the applicant, the CPU 10a displays an applicant information input screen on the display unit 10f (step S11).

  FIG. 9A shows a state of the portable terminal 10 in a state where the applicant information input screen is displayed. As shown in FIG. 9A, at the top of the applicant information input screen, there is a “return” button for returning to the reading result confirmation screen shown in FIG. A “save” button is displayed to save and interrupt. When the “save in progress” button is tapped, the CPU 10a stores (saves) the license front image, the license back image, and the seal image in the storage device 10c, which are temporary storage contents before step S10. Suspend the account application process.

  On the applicant information input screen, individual information of the applicant can be input. The applicant information input screen can be moved in the vertical direction of the screen by scrolling to input a large amount of information. At the bottom, a “Next” button is displayed. Further, the example of FIG. 9A shows a state where an input field of “place (address)” which is essential information is displayed. A numerical value can be entered in the postal code input field of "Place (address)". An “address search” button is displayed on the right side of the postal code input field.

  When the “address search” button is tapped after entering the postal code input field, the portable terminal 10 uses the input postal code to determine whether or not it is within the business area. It transmits to the reception server 20. Specifically, CPU10a transmits to the reception server 20 via the communication part 10g.

  The reception server 20 determines the business area of the postal code received from the portable terminal 10. Specifically, the CPU 20a executes a business region determination program, and whether or not the region corresponding to the received postal code is the business region of the bank for which the account is to be opened, that is, whether the region is within the business region or not. Determine if it is outside. The reception server 20 stores the master data of the zip code of the business area in the storage device 20c. When the postal code is received from the portable terminal 10, the master data is referred to by the postal code received by the CPU 20a. When the postal code matches the postal code of the business area, it is determined that it is within the business area. If it does not match the postal code, it is determined that it is out of the business area. In addition, if it is determined that it is within the business area, an address corresponding to the postal code is also acquired.

  When the determination of the business area is completed for the postal code received from the portable terminal 10, the reception server 20 transmits information corresponding to the determination result to the portable terminal 10. If the determination result is out of the business area, information indicating that it is out of the business area is transmitted. In the portable terminal 10, when the communication unit 10g receives information indicating that it is out of the business area from the reception server 20, the CPU 10a displays a message indicating that it is out of the business area on the display unit 10f. The state of the portable terminal 10 at this time is shown in FIG. In FIG. 9B, a message indicating that it is outside the business area is displayed as “Cannot apply from the input area”. Thus, by displaying the message indicating that it is out of the business area, it is possible to prevent an applicant outside the business area of the financial institution from applying for an account.

  On the other hand, if the determination result is within the business area, the address corresponding to the postal code is transmitted. In the portable terminal 10, when the communication unit 10g receives an address from the reception server 20, the CPU 10a inputs the received address into the input field of the applicant information input screen and causes the display unit 10f to display the received address. Again, the applicant can enter the applicant information.

  The applicant uses the applicant information input screen to input information necessary for opening an account. Although illustration is omitted, the name and date of birth are input from the license image. After inputting information necessary for opening an account, when the “next” button is tapped by the applicant, the portable terminal 10 acquires the inputted applicant information. Specifically, the inputted applicant information is temporarily stored in the RAM 10b. Further, the CPU 10a displays an input content confirmation screen on the display unit 10f (step S12).

  FIG. 10A shows the state of the portable terminal 10 in a state where the input content confirmation screen is displayed. As shown in FIG. 10A, at the top of the input content confirmation screen, a “Back” button for returning to the applicant information input screen shown in FIG. A “save” button is displayed to save and interrupt. When the “save on the way” button is tapped, the CPU 10a uses the temporary storage contents before step S10, such as the license front image, the license back image, the seal image, and the applicant information as information necessary for opening an account. Store (save) it in the storage device 10c, and interrupt the account application process.

  On the input content confirmation screen, all the applicant information entered by the applicant is displayed. In the input content confirmation screen, all the applicant information input by moving in the vertical direction of the screen by scrolling can be viewed. Although not shown, a “correct” button and a “send” button are displayed at the bottom. When the “modify” button is tapped by the applicant, the CPU 10a displays the applicant information input screen on the display unit 10f, and the input is possible again. When the “send” button is tapped by the applicant, the portable terminal 10 transmits the license front image, the license back image, the seal image, and the applicant information to the reception server 20 as information necessary for opening an account. To do. Specifically, the CPU 10a transmits information necessary for opening an account temporarily stored in the RAM 10b through the communication unit 10g.

  Further, the CPU 10a displays an application acceptance completion screen on the display unit 10f (step S13). The state of the portable terminal 10 at this time is shown in FIG. As shown in FIG. 10B, information indicating that application acceptance has been completed, an inquiry destination, and the like are displayed on the application acceptance completion screen. In the reception server 20, the communication unit 20g receives information necessary for opening an account transmitted from the portable terminal 10, and the CPU 20a registers the received information necessary for opening an account in the storage device 20c. When the information necessary for opening an account is registered in the reception server 20, the application process for the account is completed.

<3. Modification>
Next, a modified example will be described. In the above example, the driver's license and the seal are photographed separately, but in the modification, the driver's license and the seal are photographed simultaneously. Specifically, in the flowchart shown in FIG. 4, steps S8 and S9 for performing imprint photographing and confirmation are omitted, and in step S4, a driver's license and imprint are photographed simultaneously.

  In the modified example, when the “Next” button is tapped by the applicant on the caution screen at the time of shooting in FIG. 6A, the CPU 10a activates the camera 10h. Then, the screen of the display unit 10f is switched to a shooting screen through the lens of the camera 10h, and a frame line for positioning the driver's license and a frame line for positioning the seal are displayed on the shooting screen. Is done.

  The state of the portable terminal 10 at this time is shown in FIG. As shown in FIG. 11, when switching to the shooting screen, the CPU 10a switches to the horizontally long screen format for display. This is because when the driver's license and the seal are photographed side by side, the landscape orientation is preferred. As shown in FIG. 11, a “return” button for returning to the shooting caution screen shown in FIG. 6A is displayed at the top of the shooting screen. In the right part of the screen, a “shoot” button is displayed. The area surrounded by the frame line for positioning the seal is smaller than the area surrounded by the frame line for positioning the driver's license. This makes it clear at a glance which is the driver's license and which is the seal, even if there is no specific explanation. In this state, when the applicant aligns the driver's license and seal with the position of the frame line and taps the “Shoot” button, the camera 10h takes a picture and obtains a photographed image. And CPU10a cuts out the part corresponding to the inside of the frame shown in Drawing 11 among obtained images, and acquires it as a license surface image and a seal imprint image, respectively. Specifically, the license surface image and the seal image are temporarily stored in the RAM 10b.

  As in the modified example, the frame line for positioning the driver's license and the frame line for positioning the seal are displayed on the shooting screen, and by cutting after shooting, It is possible to obtain two images of a driver's license surface and an imprint by photographing, which leads to simplification of application work. When photographing the surface of the license and the seal at the same time as in the modification, for example, a stamp may be formed on a blank sheet and a driver's license may be placed next to it. A driver's license may be placed next to the printed piece of paper.

  The preferred embodiments of the present invention have been described above. However, the present invention is not limited to the above embodiments, and various modifications can be made. For example, in the above-described embodiment, the case where a driver's license is used as the identity verification medium (identity verification document) has been described as an example, but other documents such as a health insurance card may be used. In this case, a plurality of documents may be used. For example, both a driver's license and a health insurance card may be used.

  In the above embodiment, the back side of the driver's license is photographed, but may be omitted if not necessary. Even if another identity verification medium is used, the back side can be omitted.

  In the above embodiment, the back side other than the driver's license is photographed. However, it may be omitted if not necessary. Even if another identity verification medium is used, the back side can be omitted.

  In the above embodiment, the zip code is used as the information for specifying the area. However, the predetermined area can be specified, and is used to distinguish whether the area is within or outside the business area of the financial institution. Anything other than a zip code may be used as long as it can be used.

10 ... Portable terminal 10a, 20a ... CPU
10b, 20b ... RAM
10c, 20c: Storage device 10d, 20d: Instruction input unit 10e, 20e: Data input / output I / F
10f, 20f ... display unit 10g, 20g ... communication unit 10h ... camera 20 ... reception server 30 ... network

Claims (13)

A method of applying for an account using a portable terminal capable of inputting information and a reception server connected to the portable terminal so that data can be transmitted and received,
The portable terminal obtains information identifying a region including the applicant's address;
The portable terminal transmitting information specifying an area including the applicant's address to the reception server;
The reception server uses the information specifying the area received from the portable terminal to refer to the storage means of the reception server, and whether the information specifying the area is within the business area or outside the business area Determining whether or not
The reception server transmits information based on the result of the determination to the portable terminal, and
When the portable terminal receives information indicating that it is out of the business area as information based on the result of the determination, the mobile terminal presents that it is out of the business area and receives information indicating that it is within the business area In this case, an account application method characterized in that, based on an instruction from the applicant, information necessary for opening an account is transmitted to the reception server.   The storage means of the reception server stores a zip code in a business area, and uses a zip code as information for specifying the area including the address of the applicant, and is in the business area or outside the business area. 2. The method of claim 1, wherein the step of determining whether or not there is a postal code within a business area and a postal code as information for specifying an area including the address of the applicant matches. Account application method. The portable terminal displays a frame line for an identity verification medium and a frame line for an imprint that has a smaller area surrounded by the frame line than the frame line for the personal identification medium;
Photographing the personal identification medium and the imprint in a state where the portable terminal displays the personal identification medium frame line and the imprint frame line; and
The portable terminal cuts out images included in the personal identification medium frame line and the imprint frame line from the captured images acquired by the photographing, and acquires them as the personal verification medium image and imprint image. And further comprising:
The account application method according to claim 1 or 2, wherein the portable terminal transmits the personal identification medium image and the seal image as a part of information necessary for opening the account. A system for applying for an account using a portable terminal capable of inputting information and a reception server connected to the portable terminal so that data can be transmitted and received,
The portable terminal is
A means of obtaining information identifying the region containing the applicant's address;
Means for transmitting information specifying an area including the address of the applicant to the reception server;
As information based on the result of the determination by the reception server, when receiving information indicating that it is outside the business area, when indicating that it is outside the business area, and when receiving information indicating that it is within the business area, Means for transmitting the information necessary for opening the entered account to the reception server based on the instructions of the applicant,
The reception server is
Storage means for storing information for identifying the area indicating the business area;
Means for determining whether the information for specifying the area is within the business area or outside the business area by referring to the storage means using the information specifying the area received from the portable terminal;
Means for transmitting information based on the result of the determination to the portable terminal;
An account application system characterized by comprising:   The storage means of the reception server stores a zip code in a business area, and uses a zip code as information for specifying the area including the address of the applicant, and is in the business area or outside the business area. 5. The method according to claim 4, wherein the means for determining whether there is a match is based on whether or not a postal code in a business area and a postal code as information for specifying an area including the address of the applicant coincide with each other. Account application system. The portable terminal is
A means for displaying a frame line for an identity verification medium, and a frame line for an imprint that has a smaller area surrounded by the frame line than the frame line for the personal identification medium;
Means for photographing the personal identification medium and the seal impression in a state where the border line for the personal identification medium and the border line for the impression are displayed;
Means for cutting out images included in the personal identification medium frame line and the imprint frame line from among the captured images acquired by the photographing and obtaining them as personal identification medium images and imprint images;
Means for transmitting the personal identification medium image and the seal image as part of information necessary for opening the account;
The account application system according to claim 4 or 5, further comprising: In order to apply for an account, it is a portable terminal connected to the receiving server data for registering information necessary for opening an account so that data can be transmitted and received,
A means of obtaining information identifying the region containing the applicant's address;
Means for transmitting information specifying an area including the address of the applicant to the reception server;
As information based on the result of the determination by the reception server, when receiving information indicating that it is outside the business area, when indicating that it is outside the business area, and when receiving information indicating that it is within the business area, Means for transmitting the information necessary for opening the input account to the reception server based on the instruction of the applicant;
A portable terminal comprising:   The reception server stores a zip code in a business area, uses a zip code as information for specifying the area including the address of the applicant, and includes a zip code in the business area and the address of the applicant. 8. The portable terminal according to claim 7, wherein it is determined whether the information is within a business area or out of a business area, based on whether or not the postal codes as information for identifying the same match. A means for displaying a frame line for an identity verification medium, and a frame line for an imprint that has a smaller area surrounded by the frame line than the frame line for the personal identification medium;
Means for photographing the personal identification medium and the seal impression in a state where the border line for the personal identification medium and the border line for the impression are displayed;
Means for cutting out images included in the personal identification medium frame line and the imprint frame line from among the captured images acquired by the photographing and obtaining them as personal identification medium images and imprint images;
Means for transmitting the personal identification medium image and the seal image as part of information necessary for opening the account;
The portable terminal according to claim 7 or 8, further comprising: A reception server connected to a portable terminal for inputting information necessary for opening an account so that data can be transmitted and received in order to apply for an account,
Storage means for storing information for identifying the area indicating the business area;
Means for determining whether the information for specifying the area is within the business area or outside the business area by referring to the storage means using the information specifying the area received from the portable terminal;
Means for transmitting information based on the result of the determination to the portable terminal;
Means for registering information necessary for opening an account received from the portable terminal;
A reception server characterized by comprising: The storage means stores a zip code in a business area, and uses the zip code as information for specifying an area including the applicant's address,
The means for determining whether the information specifying the region is within the business region or outside the business region is a postal code as information specifying the region including the postal code in the business region and the address of the applicant. The reception server according to claim 10, wherein it is determined whether it is within the business area or outside the business area, based on whether or not they match.   The program for functioning a computer as a portable terminal as described in any one of Claims 7-9.   The program for functioning a computer as a reception server of Claim 10 or Claim 11.