JP4916608B2 - Internet banking online new contract acceptance processing method and its acceptance processing system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an Internet banking online contract acceptance method and system for making an online banking contract online.
[0002]
[Prior art]
In recent years, so-called “Internet banking”, which can receive various bank services through a computer network such as the Internet, has attracted attention. This Internet banking is an additional service for customers who have ordinary accounts, and realizes transactions equivalent to these on the Internet in addition to account transactions at ordinary counters and ATMs.
[0003]
In other words, a user who has applied for Internet banking connects his / her terminal and a financial institution server via the Internet, and receives services such as inquiry of balances / withdrawal details, transfer / transfer, and provision of various information. be able to. According to such an internet banking service, users can receive banking services regardless of time and place, and the bank is expected to reduce expenses in various ways. He is working hard on system development.
[0004]
[Problems to be solved by the invention]
By the way, conventionally, this Internet banking contract is concluded when a customer who already has a normal account applies directly at the counter or applies by mail.
[0005]
It would be convenient if an Internet banking contract could be concluded through an online connection through the Internet, and it would be possible to use it immediately, but there are security issues in introducing this.
[0006]
That is, in order to apply for Internet banking on the Internet, it is necessary to exchange information for identity verification, for example, a personal identification number or account number of a cash card on the Internet, which is not preferable in terms of security.
[0007]
As a method for solving this problem, a method of using telephone banking is conceivable. However, there is a problem that Internet banking applicants are limited to subscribers of telephone banking.
[0008]
The present invention has been made in view of such circumstances, and an object of the present invention is to provide an online contract acceptance system for internet banking which can accept new contracts for internet banking on the internet and can be used immediately.
[0009]
[Means for Solving the Problems]
In order to achieve the above object, according to a first main aspect of the present invention, a first connection step of connecting to an Internet banking server published on the Internet, and contract software from the Internet banking server A step of downloading a program, a first disconnection step of disconnecting the connection with the Internet banking server, and a second step of executing the contract software program and connecting to a contract server not disclosed on the Internet. Connection process, an account information transmission process for transmitting Internet banking usage application information including an existing account number and PIN to this contract server, and whether or not Internet banking contracts are acceptable based on the received usage application information If the contract is possible, The internet banking usage ID is specified, a contract generation step for generating an Internet banking contract associated therewith, a usage ID notification step for notifying the Internet usage ID, and a connection between the contract server and the second server is disconnected. There is provided a new contract acceptance processing method in Internet banking characterized by comprising the following cutting steps. Here, it is preferable that the second connection step is continuously executed based on the completion of the first cutting step.
[0010]
According to such a configuration, the account number and the PIN of the cash card can be obtained by switching the connection to the contract server not disclosed on the Internet by the contract software acquired from the Internet banking server disclosed on the Internet. Etc. can be transmitted safely. Further, by generating an Internet banking use ID based on this and transmitting it to the user, Internet banking can be used immediately.
[0011]
Here, Internet banking means not only Internet banking in a narrow sense using the Internet but also online banking using a server of a mobile phone company and a server of a data providing system by satellite broadcasting.
[0012]
According to one embodiment of the present invention, there is further provided an Internet banking password code registration step that accepts an Internet banking password from a user and associates it with the Internet banking contract before or after the usage ID notification step. According to such a configuration, since the private contract server is used on the Internet, the personal identification number can be transmitted safely.
[0013]
Further, according to one embodiment of the invention, in the contract availability determination step, the existing account number and password are inquired to an existing Internet banking contract database and a bank account system, an account exists, and If the Internet banking contract has not been made yet, it is determined that the contract is possible. According to such a configuration, it is possible to determine whether or not a contract is possible by making an inquiry to the bank account system while the user and the contract server are connected.
[0014]
According to a second main aspect of the present invention, in the Internet banking server system, when access from a user is received and the user has not yet concluded an Internet banking contract, Provided with an internet banking server system comprising a connection program transmission means for transmitting to a user a connection software program for connecting to a contract server not disclosed on the Internet and concluding a contract Is done.
[0015]
According to such a configuration, a server system suitable for executing the new contract processing method for Internet banking according to the first main aspect is provided.
[0016]
According to a third main aspect of the present invention, there is provided a new contract acceptance processing system in Internet banking, which is a server for accepting contracts that is not disclosed on the Internet, and an application for Internet banking provided in this server device. A contract availability determination unit that determines whether or not an internet banking contract is accepted, and a contract that is provided in the server device and specifies an internet banking use ID and generates an internet banking contract associated therewith when the contract is possible There is provided a new contract acceptance processing system in internet banking, characterized in that it comprises generation means and use ID notification means for notifying a user of the internet use ID provided in the server device.
[0017]
According to such a configuration, it is possible to obtain a new contract reception processing system suitable for executing the Internet banking new contract processing method according to the first main aspect.
[0018]
Further features and remarkable effects of the present invention will be more clearly understood from the following embodiments of the present invention and the accompanying drawings.
[0019]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0020]
FIG. 1 shows a system configuration for realizing a new contract acceptance processing method for Internet banking according to this embodiment. This system includes an Internet banking server 2 installed on the bank A and made public on the Internet, a server 3 for accepting contracts not disclosed on the Internet, and a business processing server 5 connected to a bank accounting system 4. Become.
[0021]
The internet banking server 2 is connected to a terminal device 7 (for example, a personal computer) of a customer 6 online via the internet network 1. Further, the contract receiving server 3 is configured to be dial-up connected to the terminal device 7 of the customer 6 through the public line network 9.
[0022]
The “customer” here is a person who has a trading account at Bank A and has received a cash card and a PIN. This customer information is stored in a customer ledger 10 connected to the account system 4. The internet banking server 2 and the business processing server 5 are connected to an internet banking contract DB 11 that holds data (login ID, password, etc.) for customers who have already made an internet banking contract.
[0023]
The Internet banking server 2 will explain the parts related to the present invention. The contract presence / absence determination unit 12 that accepts access from a customer and determines the presence / absence of an Internet banking contract, and the customer when there is no contract, And a contract software transmission unit 13 for transmitting the contract software program.
[0024]
The contract acceptance server 3 accepts a contract application using the contract software from the customer, and determines whether or not an Internet banking contract is possible by making an inquiry to the business processing server 5 and the accounting system 4. A contract availability determination unit 15 and a usage ID notification unit 16 that notifies Internet banking usage IDs to customers who can make Internet banking contracts.
[0025]
Furthermore, the business processing server 5 confirms whether the customer account exists in the customer ledger using an account number or a cash card PIN in response to an inquiry from the contract acceptance server 3. An equality confirmation unit 18 and a contract generation unit 19 that generates an Internet banking contract in response to the confirmation and notifies the contract reception server of an Internet banking use ID and the like.
[0026]
FIG. 2 is a flowchart showing the managing process flow of this system. The processing procedure of the system will be described in detail with reference to this flowchart.
[0027]
The customer 6 activates a browser on his / her terminal device, specifies the Internet address (URL) of the Internet banking server 2 while connected to the Internet, and connects to the Internet banking server 2 (step S1). When, for example, an Internet banking new contract icon is clicked from the home page menu published on the server 2 (step S2), the contract presence / absence determination unit 12 activates the contract software transmission unit 13, and the contract is determined. A dedicated computer software program (contract software) for connecting to the server 3 is downloaded to the terminal device 7 of the customer 6 (step S3). At this time, the contract presence / absence determination unit 12 transmits the connection telephone number, the application ID, and the temporary password to the contract reception server 3 to the terminal device 7 of the customer 6.
[0028]
The customer 6 disconnects from the Internet and executes the downloaded contract software on his / her terminal device 7, thereby dial-up connection to the contract reception server 3 (step S4). Here, it is preferable that the contract software is configured to select a connection destination telephone number and other communication environment settings in a pull-down manner. The customer 6 inputs the application ID and temporary password received from the Internet banking server 2 when logging in to the contract acceptance server 3.
[0029]
The contract receiving server 3 authenticates the customer 6 using the application ID and temporary password (steps S5 and S6), and then the contract receiving server 3 inputs an application on the terminal device 7 of the customer 6. A screen is presented (step S7). On this input screen, the user inputs his / her postal code, the branch where his / her account is located, the account item, the account number and the cash card PIN, and transmits them to the contract acceptance server 3 (step S8). The contract availability determination unit 15 of the contract reception server 3 transmits the data received from the customer to the business processing server 5 in order to determine whether or not the contract is possible (step S9).
[0030]
The account number confirmation unit 18 of the business processing server 5 sends the account number and password among the received data to the account system 4 to check whether they exist in the customer ledger 10 (step S10). , S11). If this confirmation is affirmative, the contract generation unit 19 of the business processing server 5 generates an Internet contract with a new usage ID and registers it in the Internet banking contract DB 11.
[0031]
Next, the contract reception server 3 notifies the customer 6 of the determination result (step S13) and requests input of additional information for use of the Internet banking. The customer 6 inputs his / her telephone number, work place information, email address and Internet banking password, and transmits them to the contract acceptance server 3 (step S14). The contract reception server 3 displays the input content of the additional information to the customer (step S15), and when the confirmation is received (step S16), transmits this information to the business processing server 5 for business processing. The server 5 registers this information in the internet banking contract database 11 (step S17).
[0032]
With the above procedure, the new application contract for Internet banking is completed, and thereafter, the customer 6 can immediately perform Internet banking transactions through the Internet banking server 2.
[0033]
That is, after the user disconnects the dial-up connection with the server for accepting contracts, the user connects to the Internet banking server 2 and uses the usage ID and password so that various transactions through the Internet banking server 2 can be performed. It becomes possible.
[0034]
According to the configuration as described above, the account number and the cash card can be changed by switching the connection to the contract server not disclosed on the Internet by the contract software acquired from the Internet banking server disclosed on the Internet. It becomes possible to transmit a personal identification number and the like safely. Further, by generating an Internet banking use ID based on this and transmitting it to the user, Internet banking can be used immediately.
[0035]
That is, conventionally, this Internet banking contract has been concluded by a customer who already has a normal account applying directly at the counter or by mail. It is convenient if an Internet banking contract can be concluded through an online connection through the Internet and it can be used immediately, but in order to introduce this, information for identity verification on the Internet, such as a cash card, is useful. It is necessary to exchange a personal identification number and an account number, which is not preferable in terms of security.
[0036]
As a method for solving this problem, a method of using telephone banking is conceivable. However, there is a problem that Internet banking applicants are limited to subscribers of telephone banking.
[0037]
On the other hand, according to the present invention, there is no inconvenience as described above, and there is an effect that a new contract acceptance of Internet banking can be accepted online and can be used immediately.
[0038]
In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.
[0039]
For example, in the above-described embodiment, the contract software is activated by the user. However, the contract software may be automatically activated based on the download and switch the connection line.
[0040]
In the embodiment, the customer has entered the Internet banking use password. However, the present invention is not limited to this, and the temporary password generated by the server side is distributed to the customer. You may make it change to.
[0041]
Further, the contract presence / absence determination unit 12 provided in the internet banking server 2 applies some information acquired from the customer 6 who has accessed the internet banking server to the internet banking contract DB 11 so that the customer can make an internet banking contract. You may judge whether it has.
[0042]
In the above embodiment, Internet banking in the narrow sense using the Internet has been described as an example. However, the present invention is not limited to this, and online banking using a server of a mobile phone company and a server of a data providing system by satellite broadcasting is used. It is a broad meaning including
[0043]
Further, in the above-described embodiment, it is determined whether or not an Internet banking contract already exists for the user. However, this step is not necessary when a plurality of Internet banking contracts are allowed for one account. . This is because, for example, when the customer forgets the password for Internet banking, it may be possible to conclude a new Internet banking contract and set a new password.
[0044]
In the embodiment, the customer 6 inputs the application ID and temporary password received from the Internet banking server 2 when logging into the contract reception server 3. The business ID may be set and input in advance. In this case, the customer only needs to enter a temporary password.
[0045]
Furthermore, the Internet banking server 2 and the contract reception server 3 do not need to be physically different devices, and may be configured to be logically separated.
[0046]
【Effect of the invention】
As described above, according to the present invention, a new contract for Internet banking can be received on the Internet, and Internet banking can be used immediately.
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.
FIG. 2 is a flowchart for explaining the processing procedure.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Internet network 2 ... Internet banking server 3 ... Contract reception server 4 ... Account system 5 ... Business processing server 6 ... Customer 7 ... Terminal device 9 ... Public line network 10 ... Customer ledger 11 ... Internet banking contract DB
12 ... Contract existence determination unit 13 ... Contract software transmission unit 15 ... Contract availability determination unit 16 ... ID notification unit 18 ... Account number etc. confirmation unit 19 ... Contract generation unit

Claims (6)

A banking system where a customer with an existing account at the bank accepts new contracts online to make Internet banking available,
The bank system includes an Internet banking server published on the Internet, a new contract server not published on the Internet, and a business server connected to the bank accounting system and managing the Internet banking contract DB. And having
The Internet banking server permits the use of Internet banking when the Internet banking usage ID entered by the customer is registered in the Internet banking contract DB,
A first connecting step of connecting the terminals of the customer, to the Internet banking server, which is published on the Internet,
Downloading a contract software program for applying for the new contract from the Internet banking server to the customer terminal device ;
A first disconnecting step of disconnecting the connection between the customer terminal device and the Internet banking server;
A second connection step of connecting the customer terminal device to the new contract server not disclosed on the Internet by the contract software program executed on the customer terminal device ;
The new contract for the server, and the account information transmission step of receiving the Internet banking use application information, including the account number, personal identification number of the existing account from the terminal device of the customer,
By inquiring whether the new account server has the existing account to the bank account system via the business server, the existing account number and password included in the received Internet banking use application information Verifying the identity of the customer;
Based on the identification of the customer is made, the new contract for the server, the identifying the Internet banking use ID based on the Internet banking use item, the generated Internet banking contract associated with it A contract generation step of registering in the Internet banking contract DB via a business server ;
This new contract server uses the Internet banking usage ID to notify the customer terminal device, a usage ID notification step;
A second disconnecting step of disconnecting the connection between the customer terminal device and the new contract server;
A new contract acceptance processing method in Internet banking, characterized by comprising: The method for accepting new contracts in internet banking according to claim 1, further comprising:
A method for accepting a new contract in Internet banking, comprising a step of registering an Internet banking password using a password received from a user and associated with the Internet banking contract after the Internet banking usage ID notification process. . In the method for accepting new contracts in Internet banking according to claim 1,
The identity verification process, new in Internet banking, characterized in that the existing account number and personal identification number, an inquiry into the bank account-based system of, is to check whether existing account of the customer is present Contract reception processing method. In the method for accepting new contracts in Internet banking according to claim 3,
The contract generation step, the new contract reception processing method in the Internet banking, characterized in that is to determined to be contracted if not already made Internet banking contract. In the method for accepting new contracts in Internet banking according to claim 1,
The contract for software program, said second connecting step, reception processing method wherein said first cutting step is characterized in that the continuously performed on the basis of that completed. A new contract acceptance system that is installed in a bank and accepts an application for a new contract online to make Internet banking available to customers who have an existing account in the bank,
  The new contract acceptance system includes an Internet banking server published on the Internet, a new contract server not published on the Internet, and a business server that is connected to the bank account system and manages the Internet banking contract DB. And having
  The Internet banking server is
  A contract presence / absence determination unit that permits the use of Internet banking when the Internet banking use ID entered by the customer is registered in the Internet banking contract DB;
  A contract software transmitter for downloading a contract software program for applying for the new contract to the terminal device of the customer;
  Have
  The new contract server is:
  The customer terminal device is connected to the new contract server by the contract software program executed on the customer terminal device,
  Internet banking use application information including the account number and password of the existing account is received from the terminal device of the customer, and the number and password of the existing account included in the Internet banking use application information are received via the business server. A contract availability determination unit that verifies the identity of the customer by inquiring whether the bank has an existing account to the account system of the bank, and determines whether the contract is possible based on this,
  Based on the determination result of the contract approval / disapproval determination unit, a usage ID notification unit that specifies the Internet banking usage ID of the customer and notifies the terminal device of the customer;
  Have
  The business server is
  Receiving the existing account number and personal identification number included in the Internet banking use application information from the new contract server and confirming the customer's identity by inquiring this to the bank's account system. And
  A contract generation unit that generates the Internet banking use ID based on the identity verification, generates an Internet banking contract associated therewith, and registers the Internet banking contract in the Internet banking contract DB;
  Have
  A new contract acceptance processing system for Internet banking.

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