JP6726350B1 - Financial transaction processing device and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial transaction processing device and program for accepting a transaction order together with an account opening request for a financial transaction. SOLUTION: A financial transaction processing device 100 manages a transaction order using a dummy account, and a reception unit 110 that receives a request for opening an account of a transaction account for a financial transaction and a transaction order of a financial product from a customer together via a network. After the opening of the trading account, the account management unit 120 transfers the trading order from the dummy account to the trading account opened. The account management unit 120 executes the transferred trading order after opening the trading account. [Selection diagram] Fig. 3

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 been widely used. For example, a customer can perform bank transactions such as confirmation of deposit/withdrawal details of bank accounts, transfer/transfer, and foreign currency deposit transactions through internet banking, or can buy and sell securities through online trading. Through Internet banking and online trading, customers can enjoy various financial services without visiting the store counter.

In addition, financial deregulation policies are enabling banks and securities companies to provide financial services other than their traditional operations. For example, over-the-counter sales of investment trusts (investment trusts) have been lifted by banks, making them one of the major businesses for individuals other than traditional banking business. In addition, in connection with over-the-counter sales of investment trusts, customers can also use the small investment tax exemption system (NISA).

JP, 2006-127312, A

When a customer conducts a financial transaction other than bank transaction such as investment trust transaction, the bank opens a transaction account for the financial transaction with respect to the customer and manages the financial transaction by the opened transaction account. On the other hand, in order to open a trading account, it is necessary to send the identity verification documents and confirm the My Number, and the registration information provided by the customer for the application to open the account and the identity verification documents and the My Number will be checked by the department in charge. A trading account will be opened later.

However, in internet banking that operates 24 hours a day, it is not possible to collate the identity verification documents and my number provided by the customer immediately, and there is a time lag between the account opening request and the actual opening of the trading account. There is. For this reason, the customer cannot place a trading order together with the request for opening an account, and cannot place a trading order until after the opening of the trading account, for example, after several business days. Due to such a time lag, the customer's desire to trade declines, and in some cases, the account becomes a non-working account after opening the account.

In view of the above problems, an object of the present invention is to provide a financial transaction processing technique for enabling a financial transaction to receive a transaction order together with an account opening request.

In order to solve the above-mentioned problem, one aspect of the present invention is a dummy reception unit for accepting a request for opening an account of a trading account for a financial transaction and a trading order for a financial product from a customer together via a network. An account management unit that manages an account and transfers the trading order from the dummy account to the opened trading account after opening the trading account.

ADVANTAGE OF THE INVENTION According to this invention, generation|occurrence|production of a non-operational account by the fall of the customer's transaction desire with the passage of time from the application for opening a transaction account until receiving a transaction order can be suppressed.

FIG. 6 is a schematic diagram showing a financial transaction process according to an embodiment of the present invention. It is a block diagram which shows the hardware constitutions of the financial transaction processing apparatus by one Example of this invention. It is a block diagram which shows the functional structure of the financial transaction processing apparatus by one Example of this invention. It is a flow chart which shows the account opening processing by one example of the present invention. 6 is a flowchart showing a NISA account opening process according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

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

As shown in FIG. 1, the financial transaction processing apparatus 100 is a transaction terminal for a financial transaction (for example, an investment trust transaction) from a customer terminal 50 via a network such as the Internet. For example, registration information (for example, name, address, investment purpose, investment experience, etc.) required for account opening application to open an investment trust account, NISA account, etc. and identity verification materials (for example, my number card, driver's license) Request for opening an account, including a certificate, a copy of a notification card, etc.). Furthermore, the financial transaction processing apparatus 100 accepts a transaction order such as a purchase order related to the financial transaction together with the account opening request. The financial transaction processing apparatus 100 transfers the registration information and the identity verification material provided by the customer to the department in charge of opening the account, sets a dummy account for the customer, and manages the accepted transaction order with the dummy account. .. Then, after opening the transaction account, the financial transaction processing apparatus 100 transfers the transaction order managed by the dummy account to the opened transaction account and executes the transaction order.

Further, when the financial transaction processing apparatus 100 further receives a NISA application for opening a transaction account from a customer as an NISA account, the financial transaction processing apparatus 100 transfers the received NISA application form to a tax authority 60 such as a tax office and obtains it from the tax authority 60. The opened transaction account is managed as an NISA account according to NISA application information indicating whether or not NISA is applicable.

As a result, the financial transaction processing apparatus 100 can accept a transaction order without reducing the customer's transaction desire at the time of requesting to open an account, and execute the transaction order immediately after opening the account. It is possible to reduce the occurrence of non-working accounts due to the time lag from the time when transactions are possible after opening.

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 apparatus 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 described later in the financial transaction processing apparatus 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 have 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 the installed program and also stores necessary files and data. The memory device 103 reads and stores the program and data from the auxiliary storage device 102 when a program activation instruction is issued. The CPU 104, which functions as a processor, executes various functions and processes of the financial transaction processing apparatus 100, which will be described later, according to various data such as programs stored in the memory device 103 and parameters necessary for executing the programs. The interface device 105 is used as a communication interface for connecting to a network or an external device. The communication device 106 executes various communication processes for communicating with an external device.

However, the financial transaction processing device 100 is not limited to the hardware configuration described above, and may be realized by any other appropriate hardware configuration.

First, referring to FIG. 3, a financial transaction processing apparatus 100 according to an embodiment of the present invention will be described. For example, the financial transaction processing apparatus 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 a functional configuration of the financial transaction processing apparatus 100 according to the embodiment of the present invention. As shown in FIG. 3, the financial transaction processing apparatus 100 has a reception unit 110 and an account management unit 120.

The accepting unit 110 accepts a request from a customer for opening a trading account for a financial transaction and a financial product transaction order together via a network. For example, when a customer who logs in to internet banking requests to open 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 opens the account. In order to allow the customer to input the necessary registration information, the account opening application screen is displayed on the customer terminal 50 and the customer is prompted to enter each item on the account opening application screen. At this time, for items such as name and address, the customer may be provided with an account opening application screen in which the customer information of the customer already registered in Internet banking has been entered in advance. As for the imprint, the imprint information of the customer registered in the Internet banking may be used or inquired to the customer to omit the imprint. Here, accepting an account opening request and a financial product transaction order together means, for example, accepting a trading order within the period from the acceptance of the account opening request to the completion of the account opening, or the acceptance of the account opening request. It means that the trading order is accepted within the valid period of the session.

Further, the reception unit 110 requests the customer to provide the personal identification material (for example, a copy of my number card, driver's license, notification card, etc.) necessary for opening an account. For example, the identity verification material may be submitted by mailing a copy of the identity verification material, or may be submitted by transmitting an image file of the identity verification material from the customer terminal 50.

When the above-mentioned account opening procedure is completed, the accepting unit 110 may further display a list of purchasable investment trust products on the customer terminal 50 on the web page and accept the purchase procedure for the investment trust products selected by the customer. For example, after the account opening procedure is completed, the accepting unit 110 may switch from the account opening application screen displayed on the customer terminal 50 to the investment trust transaction screen and encourage purchase of investment trust products. When accepting a trading order for investment trust products from the customer terminal 50, the accepting unit 110 provides the accepted trading order to the account management unit 120.

The account management unit 120 manages the trading order in the dummy account, and after opening the trading account, transfers the trading order to the trading account opened from the dummy account. Upon obtaining the account opening request and the transaction order from the reception unit 110, the account management unit 120 is in charge of opening the investment trust account with the registration information of the account opening application input by the customer and the image file of the submitted identity verification material. While transferring to the department, it sets a dummy account for the customer and manages the trading orders received in the dummy account. Here, managing a trading order with a dummy account means, for example, that one or more trading orders received from the customer are recorded in a temporary account that is set in association with the customer's identification information such as the customer number. And means to be retained.

The dummy account is a temporary account of a trading account that is opened after being examined by the department in charge based on the registration information of the account opening application and the identity verification material, and temporarily holds the trading order received before the opening of the account. For example, the dummy account is associated with the identification information of the customer, and when the transaction account is opened, the transaction order managed in the dummy account of the customer is transferred to the opened transaction account.

In one embodiment, the account manager 120 may execute the transferred trading order after opening the trading account. Specifically, when a trading account is opened as a result of the examination by the department in charge, the account management unit 120 transfers the trading order managed by the dummy account to the opened trading account and executes the trading order. You may. For example, after the investment trust account is opened, the account management unit 120 transfers the purchase order of the investment trust products ordered by the customer from the application for opening the investment trust account to the completion of the opening and managed in the dummy account from the dummy account to the investment trust account. You may transfer and purchase the investment trust products according to the purchase order.

At this time, the account management unit 120 may compare the cost related to the purchase order with the balance of the customer's deposit account, and execute the transferred transaction order according to the comparison result. For example, when the cost related to the purchase can be paid from the deposit account, the account management unit 120 executes the purchase order and deducts the cost related to the purchase from the deposit. On the other hand, when the cost related to the purchase is larger than the deposit balance, the account management unit 120 may not execute the purchase order and notify the customer that the purchase order cannot be executed due to insufficient balance.

Further, in one embodiment, the receiving unit 110 further receives a small investment tax exemption system (NISA) application, transfers the received NISA application to the tax authority 60, and the account management unit 120 sends the tax authority 60 to the customer. The opened trading account may be managed as an NISA account based on the NISA applicability judgment. Specifically, when applying to open an investment trust account as a NISA account for NISA, Tsumitate NISA, Junior NISA (hereinafter, referred to as NISA for convenience of description), etc., the customer should contact a tax authority such as a tax office 60. You need to apply for NISA. This NISA application can be submitted as an electronic document by inputting necessary items in each item of a predetermined NISA application form. The acceptance unit 110 accepts the NISA application form from the customer in addition to the above-described registration information of the account opening application and the personal identification material, and transmits the accepted NISA application form to the tax authority 60.

Upon receiving the NISA application form, the tax authority 60 confirms whether the customer has already used NISA at another financial institution or the like, and outputs NISA application information indicating whether or not NISA is applicable to the customer to the financial transaction processing apparatus 100. Reply to. When the NISA application information indicates that NISA is applicable to the customer, the account management unit 120 manages the investment trust account of the customer as an NISA account. On the other hand, when the NISA application information indicates that NISA is not applicable to the customer, the account management unit 120 manages the investment trust account of the customer as a non-NISA account, and NISA is not applicable to the customer. Notify that there was. In this case, the account management unit 120 may notify the customer of the reason why the application is not applicable, and recommend that the account management unit 120 make another NISA application.

In addition, in one embodiment, the account management unit 120 collates the registration information for the account opening application with the identity verification material by RPA (Robotic Process Automation), and executes the account opening propriety determination based on the collation result. Good. In the above-described embodiment, the staff of the department in charge of account opening checks the registration information for the account opening application against the identity verification material to confirm whether the account opening application is complete. However, the determination as to whether or not an account can be opened according to the present invention does not necessarily have to be performed manually, and may be performed by RPA. Specifically, the computer in which the RPA is installed collates the input content of the registration information received from the customer via the network with the corresponding description content displayed in the image data of the personal identification material. Here, the description content of the image data may be recognized using a character recognition technique using AI (Artificial Intelligence) or the like, for example. If the entered information in the registration information matches the entered information in the identity verification material, the computer determines that it is possible to open a transaction account for the customer, and if they do not match, notify the customer of the defect. You may.

Next, with reference to FIG. 4, an account opening process according to an embodiment of the present invention will be described. The account opening process is realized by the financial transaction processing device 100 described above, and in particular, can be realized by the processor of the financial transaction processing device 100 executing a program. FIG. 4 is a flowchart showing an account opening process according to an embodiment of the present invention.

As shown in FIG. 4, in step S101, the financial transaction processing apparatus 100 receives an account opening request and a transaction order. For example, when a customer using Internet banking desires to newly trade an investment trust and applies for opening an investment trust account through the Internet banking web page, the financial transaction processing apparatus 100 causes the financial transaction processing apparatus 100 to apply for the account opening application. Registration information and the image data of the personal identification material are acquired from the customer terminal 50, and the acquired registration information and the personal identification material are transferred to the department in charge. Furthermore, the financial transaction processing apparatus 100 displays a list of tradable investment trust products on the customer terminal 50 on the web page. When the customer selects one or more investment trust products and sends a purchase order for the selected investment trust products on the web page, the financial transaction processing apparatus 100 accepts the purchase order before opening an account.

In step S102, the financial transaction processing apparatus 100 manages the accepted transaction order using a dummy account. For example, when a purchase order for an investment trust product is received before opening an account, the financial transaction processing apparatus 100 sets a dummy account associated with the customer and manages the transaction order in the dummy account.

In step S103, the financial transaction processing device 100 determines whether a transaction account has been opened. For example, upon receiving a notification from the department in charge that the transaction account has been opened, the financial transaction processing apparatus 100 determines that the transaction account has been opened, while the department in charge indicates that the transaction account cannot be opened due to some inadequacy. Upon receiving the notification, the financial transaction processing apparatus 100 determines that the opening of the transaction account is on hold. As described above, the opening of the trading account may be manually examined by the staff of the department in charge based on the registration information and the identity verification material obtained from the customer, or it may be automatically examined by the RPA. Good.

When the investment account opening request from the customer is approved and the investment trust account is opened (S103: YES), in step S104, the financial transaction processing apparatus 100 transfers the transaction order from the dummy account to the transaction account, and the transaction order is transferred. Execute. For example, when the purchase order of the investment trust products ordered by the customer before opening the account is managed in the dummy account, the financial transaction processing apparatus 100 transfers the purchase order to the opened investment trust account, and executes the investment trust according to the purchase order. Buy a product. When purchasing an investment trust product, the financial transaction processing apparatus 100 may compare the cost related to the purchase order with the balance of the customer's deposit account, and execute the transferred transaction order according to the comparison result. For example, when the cost related to the purchase order is less than or equal to the balance of the customer's deposit account, the financial transaction processing apparatus 100 purchases the investment trust product according to the purchase order, and the cost related to the purchase order exceeds the balance of the customer's deposit account. If so, the financial transaction processing apparatus 100 may notify the customer of the lack of balance without executing the purchase order.

On the other hand, when the account opening request is not approved and the investment trust account is not opened (S103: NO), in step S105, the financial transaction processing apparatus 100 notifies the customer of the deficiency regarding the account opening application. Examples of the deficiency include a mismatch between the address and the like written in the account opening application and the address and the like described in the personal identification material, and unclear image data of the personal identification material. In this case, the financial transaction processing apparatus 100 may notify the customer of the reason for inadequacy and recommend that the customer reapply, and the transaction order managed in the dummy account is held until the transaction account is opened after reapplication. May be.

Next, referring to FIG. 5, the NISA account opening process according to the embodiment of the present invention will be described. The NISA account opening process is realized by the financial transaction processing device 100 described above, and can be particularly realized by the processor of the financial transaction processing device 100 executing a program. FIG. 5 is a flowchart showing NISA account opening processing according to an embodiment of the present invention.

As shown in FIG. 5, in step S201, the financial transaction processing apparatus 100 receives an account opening request, a NISA application, and a transaction order. For example, when a customer using Internet banking desires to trade an investment trust using NISA and requests opening of an NISA account via the Internet banking web page, the financial transaction processing apparatus 100 causes the financial transaction processing apparatus 100 to open an account. Image data of registration information for application, NISA application form and identity verification material is acquired from the customer, and the acquired registration information and identity verification material are transferred to the department in charge. Then, the financial transaction processing apparatus 100 presents a list of tradable investment trust products to the customer on the web page. When the customer selects one or more investment trust products and sends a purchase order for the selected investment trust products on the web page, the financial transaction processing apparatus 100 accepts the purchase order before opening an account.

In step S202, the financial transaction processing apparatus 100 manages the accepted transaction order in the dummy account and notifies the tax authority 60 of the NISA application. For example, when a purchase order for an investment trust product is accepted before opening an account, the financial transaction processing apparatus 100 sets a dummy account for the customer, manages the transaction order in the dummy account, and receives the NISA application accepted from the customer. Transfer the form to the tax authority 60.

In step S203, the financial transaction processing apparatus 100 determines whether a transaction account has been opened. For example, when the notification that the opening of the transaction account is completed is received from the department in charge, the financial transaction processing apparatus 100 determines that the transaction account has been opened. On the other hand, when receiving a notification from the department in charge that the transaction account cannot be opened due to some deficiency, the financial transaction processing apparatus 100 determines that the opening of the transaction account is on hold. As described above, the opening of the trading account may be manually examined by the staff of the department in charge based on the registration information and the identity verification material obtained from the customer, or it may be automatically examined by the RPA. Good.

When the account opening request from the customer is approved and the investment trust account is opened (S203: YES), in step S204, the financial transaction processing apparatus 100 transfers the transaction order from the dummy account to the transaction account and executes the transaction order. To do. For example, when the purchase order of the investment trust products ordered by the customer before opening the account is managed in the dummy account, the financial transaction processing apparatus 100 transfers the purchase order to the opened investment trust account, and executes the investment trust according to the purchase order. Buy a product. When purchasing an investment trust product, the financial transaction processing apparatus 100 may compare the cost related to the purchase order with the balance of the customer's deposit account, and execute the transferred transaction order according to the comparison result. For example, when the cost related to the purchase order is less than or equal to the balance of the customer's deposit account, the financial transaction processing apparatus 100 purchases the investment trust product according to the purchase order, and the cost related to the purchase order exceeds the balance of the customer's deposit account. If so, the financial transaction processing apparatus 100 may notify the customer of the lack of balance without executing the purchase order.

On the other hand, when the account opening request is not approved and the investment trust account is not opened (S203: NO), in step S205, the financial transaction processing apparatus 100 notifies the customer of the deficiency regarding the account opening application. Examples of the deficiency include a mismatch between the address and the like written in the account opening application and the address and the like described in the personal identification material, and unclear image data of the personal identification material. In this case, the financial transaction processing apparatus 100 may notify the customer of the reason for inadequacy and recommend that the customer reapply, and the transaction order managed in the dummy account is held until the transaction account is opened after reapplication. May be.

After the trade order is executed in step S204, the financial transaction processing apparatus 100 determines whether NISA is applicable. The determination may be made based on NISA application information from the tax authority 60 indicating NISA application availability.

If NISA is applicable (S206: YES), the financial transaction processing apparatus 100 manages the opened transaction account of the customer as an NISA account in step S207, and if not (S208: NO), step S208. In, the trading account is managed as a non-NISA account.

It should be noted that in the above-described embodiment, the focus is on opening an investment trust account for a customer who uses Internet banking, but the present invention is not limited to this, and for example, various types of customers who use online trading provided by a securities company or the like are provided. It may be similarly applied to opening a trading account for financial instruments.

Although the examples of the present invention have been described above in detail, the present invention is not limited to the above-described specific embodiments, and various modifications are possible within the scope of the gist of the present invention described in the claims. -Can be changed.

50 Customer Terminal 60 Tax Authority 100 Financial Transaction Processing Device 110 Reception Unit 120 Account Management Unit

Claims (7)

A reception unit that receives together with a customer an account opening request for a financial transaction for a financial transaction and a financial product transaction order via a network,
An account management unit that manages the trading order with a dummy account and, after opening the trading account, transfers the trading order from the dummy account to the opened trading account;
Financial transaction processing device having. The financial transaction processing device according to claim 1, wherein the account management unit executes the transferred transaction order after opening the transaction account. The financial transaction processing device provides an internet banking service,
3. The financial transaction process according to claim 1, wherein the reception unit receives a request for opening an investment trust account for investment trust transactions and an investment trust purchase order together from the customer who uses the Internet banking service. apparatus. 4. The account management unit, after opening the trading account, compares the cost related to the purchase order with the balance of the customer's deposit account, and executes the transferred trading order according to the comparison result. The described financial transaction processing device. The reception section further receives a small investment tax exemption system (NISA) application, and transfers the received NISA application to a tax authority,
5. The financial transaction processing device according to claim 1, wherein the account management unit manages the opened transaction account as an NISA account based on the NISA applicability determination from the tax authority to the customer. 6. The account management unit collates the registration information for the account opening application with the identity verification material by RPA (Robotic Process Automation), and executes the account opening propriety determination based on the collation result. The financial transaction processing device according to claim 1. A process of receiving an account opening request for a trading account and a trading order for a financial product from a customer together via a network,
Managing the trading order with a dummy account, transferring the trading order from the dummy account to the opened trading account after opening the trading account;
A program that causes a computer to execute.

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