Account transfer processing system and program

Abstract

To enable quick and easy setting for account transfer.SOLUTION: A collection agency processing system includes: an acquisition unit which acquires, from a collection agency, collection agency user information for identifying a user who uses the collection agency; a receiving unit which receives, based on an operation of the user on an automatic cash dispenser, from the automatic cash dispenser, settings on account transfer for the user and receives registered holder-related information required for confirming a registered holder of the user; a confirmation unit which compares the collection agency user information with the registered holder-related information to confirm whether the registered holder of the user matches; and a setting request unit which requests, when the match of the registered name is confirmed, a financial institution to configure settings for account transfer using an account designated by the user.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an account transfer processing system and a program. [Background technology]

[0002] Direct debit is a widely used method of automatically withdrawing monthly utility bills and fees for various services from a bank account designated by the user. To use direct debit, the user generally fills in the necessary information on a direct debit request form, stamps the designated account with a registered seal, and submits it to the company or other receiving institution (including a receiving agency) to which the fees are to be paid.

[0003] A portion of the deposit account transfer request form submitted to the collection agency is sent to the financial institution of the bank account designated by the user, and the account transfer is set up (registered) at that financial institution, so there is a problem that it usually takes a long time (about 1 to 2 months) to complete the administrative procedures.

[0004] In order to solve such problems, an account transfer contract system has been proposed in which a user operates a mobile terminal or a personal computer to access Internet banking and set up account transfer (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2005-92684 A Summary of the Invention [Problem to be solved by the invention]

[0006] However, there was a problem that if a user was unfamiliar with terminal operation, they would be unable to complete the account transfer settings online and would abandon the process.

[0007] The present invention has been made in consideration of the above-described circumstances, and has an object to provide an account transfer processing system etc. that enables account transfer settings to be quickly and easily performed. [Means for solving the problem]

[0008] An account transfer processing system according to one embodiment of the present disclosure is an account transfer processing system that performs processing related to setting up an account transfer in which the amount to be paid to a collection agency is debited from an account of a financial institution designated by a user, and includes an acquisition unit that acquires collection agency user information from the collection agency to identify a user who uses the collection agency, a reception unit that accepts the user's account transfer settings from the automated teller machine based on the user's operation of the automated teller machine and accepts name-related information necessary to confirm the user's name, a confirmation unit that confirms whether the user's name matches by comparing the collection agency user information with the name-related information, and a setting request unit that requests the financial institution to set up an account transfer using the account designated by the user if a match is confirmed. Effect of the Invention

[0009] According to the present invention, it is possible to quickly and easily set up an account transfer. [Brief description of the drawings]

[0010] [Figure 1] 1 is a diagram showing an overview of an information processing system according to an embodiment of the present invention. [Diagram 2] 1 is an explanatory diagram illustrating an example of the flow of operations when setting up an account transfer using an information processing system. [Diagram 3] FIG. 1 is a diagram showing the appearance of an ATM. [Figure 4A] FIG. 13 is an image of an ATM screen. [Figure 4B] FIG. 13 is an image of an ATM screen. [Figure 4C] FIG. 13 is an image of an ATM screen. [Figure 4D]FIG. 13 is an image of an ATM screen. [Figure 4E] FIG. 13 is an image of an ATM screen. [Figure 4F] FIG. 13 is an image of an ATM screen. [Figure 4G] FIG. 13 is an image of an ATM screen. [Diagram 5] FIG. 13 is an image of an ATM screen. [Figure 6] 13 is a flowchart showing the flow of operations for setting up an account transfer. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. Note that the same elements are given the same reference numerals and duplicated explanations will be omitted.

[0012] A. This embodiment Fig. 1 is a diagram showing an outline of an information processing system according to an embodiment of the present invention. As shown in Fig. 1, the information processing system 1000 is configured to include an ATM (automated teller machine) 100 that a user operates to set up an account transfer, an account transfer processing system 200 that executes processing related to setting up an account transfer in response to a request from a user, a financial institution system 300 operated by a bank or the like that holds a user's deposit account and accepts an account transfer setting request, and a receiving institution system 400 operated by a company or the like that is the payee of the usage fee. The ATM 100 can be installed in various places such as a convenience store, a retail store, an airport, and a train station.

[0013] The ATM 100, the account transfer processing system 200, the financial institution system 300, and the receiving institution system 400 are each interconnected via a communication network N. The communication network N may be, for example, the Internet, a LAN, a telephone line, an in-house network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof, and may be either wired or wireless.

[0014] The account transfer processing system 200, the financial institution system 300, and the receiving institution system 400 are, for example, general-purpose server computers, and may be composed of a single computer or may be composed of multiple computers distributed over a communication network N. The computers that make up each of the systems 200, 300, 400 are composed of a control device equipped with a CPU or the like, a storage device equipped with semiconductor memory or the like, an input device consisting of a touch panel, a mouse, or the like, a communication device equipped with various communication interfaces, and the like, just like the hardware of a general computer.

[0015] The account transfer processing system 200 realizes functions such as a memory unit 210, an acquisition unit 220, a reception unit 230, a confirmation unit 240, a setting request unit 250, and a notification unit 260 by hardware resources such as a control device working in cooperation with various software stored in a storage device.

[0016] FIG. 2 is an explanatory diagram illustrating an example of the flow of operations when setting up an account transfer using the information processing system 1000. When a user wishes to pay fees to a collection agency by direct debit, the user accesses the collection agency system 400 using a user terminal (e.g., a smartphone or a personal computer) and requests information on the user's payment details held by the collection agency (hereinafter, collection agency user information). The collection agency user information may include, for example, a collection agency code for identifying the collection agency, a customer number for identifying the user, a user name, and all or part of a mobile phone number, but is of course not limited to these.

[0017] When the receiving agency system 400 receives a request for receiving agency user information from a user terminal, it searches a customer database (not shown) using the user identification information (e.g., the user's name, etc.) included in the request as a search key, and acquires the receiving agency user information of the user. The receiving agency system 400 converts the acquired receiving agency user information (assuming information including a receiving agency code and a customer number here) into a two-dimensional code such as a QR code (registered trademark), and transmits it to the user terminal (step S1). Note that in this embodiment, the two-dimensionally coded receiving agency user information is transmitted to the user's terminal, but instead, the two-dimensionally coded receiving agency user information may be printed on paper and mailed to the user. Also, a one-dimensional code (barcode) may be used instead of the two-dimensional code.

[0018] Furthermore, the receiving agency system 400 transmits the receiving agency user information to the account transfer processing system 200 (step S2) in order to link the personal information of the user who wishes to make an account transfer (here, the receiving agency user information) to the account transfer processing system 200. When the account transfer processing system 200 receives (acquires) the receiving agency user information from the receiving agency system 400, it stores it in the memory unit 210.

[0019] On the other hand, a user who receives the two-dimensionally coded user information of the receiving institution via a user terminal, for example, goes to a nearby convenience store and, while shopping, operates an ATM 100 installed in the convenience store to set up an account transfer.

[0020] FIG. 3 is a diagram showing the external appearance of the ATM 100. As shown in FIG. The ATM 100 is equipped with a main display unit 101, a card reading unit 102 that accepts magnetic cards such as cash cards (including debit cards), a banknote deposit and withdrawal unit 103 for depositing and withdrawing banknotes, an operation unit 104 operated by the user, a code reading unit 105, an optical scanning unit 106, a stand 107, a sub-display unit 108, a non-contact IC communication unit 109, and a camera 110.

[0021] The main display unit 101 has, for example, a display means such as a liquid crystal display, and an input means such as a touch panel for receiving input from a user. A screen for guiding a user's operation and input keys are displayed on the display means, and the user can input information corresponding to the input keys by pressing the input keys on the touch panel. Note that the user can input similar information by operating the input means (such as a numeric keypad) of the operation unit 104 instead of the input means displayed on the main display unit 101.

[0022] The code reading unit 105 is, for example, a code reader, and can read a two-dimensional code or the like displayed on a user terminal held directly under the code reading unit 105 . The optical scanning unit 106 is, for example, an image scanner, and can scan as an image the photographs and characters attached to the faces of a cash card, IC card, or the like placed on the stand 107. The stand 107 has a surface that is approximately horizontal to the ground, and the optical scanning unit 106 can obtain images of a certain quality without being affected by camera shake or the like.

[0023] The sub-display unit 108 has a display means such as a liquid crystal display, and is installed on the surface of the stand 107. The sub-display unit 108 may have only a display means, or may have an input means in addition to the display means, similar to the main display unit 101. For example, the sub-display unit 108 may display a screen that guides the position to place a cash card, an IC card, or the like to be read by the optical scanning unit 106. This allows even a user who is unfamiliar with operating the ATM 100 to operate smoothly without hesitation.

[0024] The contactless IC communication unit 109 is, for example, a contactless IC reader / writer, and is installed inside the stand 107. The contactless IC communication unit 109 performs contactless communication with a contactless IC chip mounted on an IC card or the like, and can read and write information stored in the contactless IC chip. When an IC card or the like is placed on the stand 107, the contactless IC communication unit 109 can communicate with the contactless IC chip.

[0025] The camera 110 is a camera device capable of taking moving or still images, and is installed so as to be able to take a facial image of a user who operates the ATM 10.

[0026] 4A to 4G and 5 are image diagrams of ATM screens for explaining the flow of procedures for account transfer using ATM 100. FIG.

[0027] A user who wishes to perform an account transfer operates the ATM 100 and inputs a request for account transfer. When the ATM 100 accepts this operation, it displays a guide screen P0 regarding reading of a two-dimensional code on the main display unit 101 (see FIG. 4A). The user displays the two-dimensionally coded receiving institution user information on the display screen of his / her own terminal in accordance with the guide screen P0 and holds it directly under the code reading unit 105 of the ATM 100. When the ATM 100 acquires the two-dimensionally coded receiving institution user information, it displays a guide screen P1 for setting up an account transfer for the receiving institution service used by the user on the main display unit 101 based on the acquired receiving institution user information (see FIG. 4B).

[0028] The user presses the next button B1 by operating the touch panel of the ATM 100. When the ATM 100 accepts this operation, it displays a guide screen P2 on the main display unit 101, instructing the user to insert the cash card of the bank to be set as the payment account into the card reading unit 102 (see FIG. 4C).

[0029] The user inserts the cash card of the bank to be set as the payment account into the card reading unit 102 in accordance with the guidance screen P2. When the ATM 100 detects that the cash card has been inserted, it displays a guidance screen P3 on the main display unit 101, instructing the user to enter the personal identification number (PIN) of the cash card (see FIG. 4D).

[0030] The user inputs the PIN number according to the guide screen P3. The ATM 100 acquires the account number of the payment account from the inserted cash card, and when it acquires the PIN number of the cash card, displays a guide screen P4 on the main display unit 101 to prompt the user to confirm the details of the account transfer settings (e.g., the receiving institution code, customer number, name of the bank setting up the account transfer, the account number of the payment account, user name, etc.) (see FIG. 4E).

[0031] The user refers to the guide screen P4, and when the user confirms that there is no problem with the account transfer setting contents, presses the confirmation button B2. When the ATM 100 accepts this operation, it displays a screen on the main display unit 101 indicating that the account transfer setting has been accepted, and outputs a statement showing the account transfer setting contents, etc.

[0032] In this way, when setting up an account transfer, a user can complete the process with extremely simple operations of following the guidance screen on ATM 100, inserting the cash card of the bank to be set as the payment account, and entering the PIN number, thereby preventing problems such as users abandoning the process due to complicated operations.

[0033] Furthermore, the ATM 100 displays on the main display unit 101 a guide screen P5 that prompts the user to scan (photograph) the face of the cash card so that the account transfer processing system 200 can verify the user's name (see FIG. 4F).

[0034] The user places the cash card on the stand 107 according to the guide screen P5 and presses the capture button B3. When the ATM 100 detects that the capture button B3 has been pressed, it starts the optical scanner 106 and scans the information displayed on the face of the cash card (specifically, the account holder's name on the cash card, etc.).

[0035] Then, the ATM 100 transmits account transfer setting information indicating the details of the account transfer setting to the account transfer processing system 200 (step S3), and transmits the information displayed on the face of the scanned cash card to the account transfer processing system 200 as name-related information (image file) (step S4).

[0036] When the account transfer processing system 200 receives (acquires) the name-related information from the ATM 100, it performs OCR processing or the like to convert the name-related information into text data. The account transfer processing system 200 compares the name-related information thus acquired with the receiving institution user information stored in the storage unit 210 to determine whether or not the name of the cash card account matches the user registered with the receiving institution (i.e., whether or not the user names match) (step S5).

[0037] In the following description, the account transfer processing system 200 performs a real-time account holder matching check by comparing (collating) the account holder name of the cash card included in the account holder information with the user name included in the receiving institution user information as shown in FIG. 5, but the present invention is not limited to this. The account holder matching check may be outsourced to a BPO company or the like to perform the account holder matching check manually. In this case, the person in charge of the BPO company visually checks the account holder matching check between the user's account holder information (image file) acquired via the account processing system 200 and the receiving institution user information (e.g., user name) acquired from the receiving institution. When the BPO company receives the result of the account holder matching check from the person in charge, it notifies the account transfer processing system 200. Note that when the account holder matching check is performed manually, the user's account holder information displayed on the face of the cash card may be visually checked as an image file (i.e., without being converted to text), or may be visually checked after being converted to text by applying OCR processing. In addition, when performing account holder match confirmation, in addition to checking the user name, it is also possible to compare, for example, the account number on the cash card inserted by the user into ATM 100 with the account number scanned by optical scanning unit 106 of ATM 100 to confirm whether the account numbers match.

[0038] When the account transfer processing system 200 determines that the user's name matches, it requests the financial institution system 300 to set up the account transfer in response to the account transfer setting request from the user (step S6). Specifically, the account transfer processing system 200 includes the account transfer setting information acquired from the ATM 100 in the account transfer setting request and transmits it to the financial institution system 300. The financial institution system 300 performs the account transfer setting procedure (for example, the procedure for withdrawing the payment amount to the receiving institution from the bank account designated by the user) based on the account transfer setting request from the account transfer processing system 200. When the account transfer setting procedure is completed, the financial institution system 300 notifies the account transfer processing system 200 that the account transfer setting has been completed.

[0039] When the account transfer processing system 200 receives a notification from the financial institution system 300 that the account transfer settings have been completed, it notifies the receiving institution system 400 of the completion of the account transfer settings (step S7). The account transfer processing system 200 may include the user's customer number and the bank account number set up for the account transfer in the account transfer settings completion notification.

[0040] Next, the flow of the account transfer setting operation executed by the account transfer processing system 200 will be described with reference to FIG. When the receiving agency system 400 sends the two-dimensionally coded receiving agency user information to the user who wishes to make an account transfer, it then sends the receiving agency user information to the account transfer processing system 200 in order to link the user's personal information to the account transfer processing system 200.

[0041] When the acquisition unit 220 of the account transfer processing system 200 receives (acquires) the receiving institution user information from the receiving institution system 400, it stores this in the storage unit 210 (step S101). Meanwhile, the user operates the ATM 100 to set up an account transfer and also scan the face of the cash card, which is necessary for name verification (see FIGS. 4A to 4F).

[0042] The reception unit 230 of the account transfer processing system 200 receives from the ATM 100 account transfer setting information indicating the details of the account transfer settings, and also receives name-related information (image file) displayed on the face of the cash card that is required for name verification (step S102 → step S103).

[0043] The account transfer processing system 200 performs OCR processing or the like on the account related information received from the ATM 100, and converts the account related information into text data. After converting the account related information into text data, the confirmation unit 240 of the account transfer processing system 200 compares this with the receiving institution user information stored in the storage unit 210 to determine (confirm) whether the user names match (step S104). As already explained, instead of using the account transfer processing system 200 to confirm the account holder match in real time, the account holder match may be confirmed by manual visual check.

[0044] When the account transfer processing system 200 determines that the user's name does not match (step S104: NO), it notifies the ATM 100 that the user's name does not match (step S105). Upon receiving such a notification, the ATM 100 displays a message on the main display unit 101 to the effect that the account transfer setting cannot be accepted because the names do not match. When the user checks the message displayed on the main display unit 101, he or she continues the account transfer setting procedure by, for example, rescanning the face of the cash card. Note that if it is determined that the user's name does not match a predetermined number of times in succession, the account transfer setting may be forcibly terminated. This makes it possible to prevent fraudulent use of the user's deposit account through impersonation or the like.

[0045] On the other hand, if the setting request unit 250 of the account transfer processing system 200 determines that the user name matches (step S104: YES), it requests the financial institution system 300 to set up the account transfer by including the account transfer setting information acquired from the ATM 100 in the account transfer setting request and sending it to the financial institution system 300 (step S106). The financial institution system 300 performs the account transfer setting procedure based on the account transfer setting request, and notifies the account transfer processing system 200 that the account transfer setting has been completed.

[0046] When the notification unit 260 of the account transfer processing system 200 receives a notification from the financial institution system 300 that the account transfer settings have been completed, it notifies the receiving institution system 400 of the completion of the account transfer settings (step S107), and terminates the processing.

[0047] As described above, according to this embodiment, when setting up an account transfer, the user can complete the process with extremely simple operations of inserting the cash card of the bank to be set as the payment account and entering the PIN number, following the guidance screen of the ATM 100. This prevents problems that occur when setting up an account transfer on the Web, such as users who are unfamiliar with Web operations abandoning the procedure.

[0048] Furthermore, according to this embodiment, since there is no need to enter information through web operations, the risk of personal information being leaked via the web can be reduced, and even users who are concerned about security can set up direct debit with peace of mind.

[0049] B. Modifications <Variation 1> In this embodiment, whether the user's name matches is confirmed using the name-related information obtained by scanning the face of the cash card, but the present invention is not limited to this. For example, the camera 110 of the ATM 100 may be used to take a picture of the user's face for identity verification, and the picture may be stored as history information in the storage unit 210 of the account transfer processing system 200. In this case, although it is not possible to verify the user's name, identity verification can be expected to have an effect of preventing fraudulent use such as impersonation to a certain extent. Instead of (or in addition to) taking a picture of the user's face, the user's identity verification document (for example, a driver's license or a My Number card) may be photographed. When identity verification is performed, an identity verification screen P6 may be generated based on the receiving institution user information obtained from the receiving institution system 400, and this may be displayed on the main display unit 101 of the ATM 100 (see FIG. 4G).

[0050] <Variation 2> In the present embodiment, a scheme has been described in which the receiving institution user information is converted into a two-dimensional code such as a QR code and transmitted (issued) to a user terminal (see FIG. 2, etc.), but the present invention is not limited to this. For example, a scheme may be adopted in which the user directly operates the ATM 100 to select and input the content to be embedded in the two-dimensional code (i.e., receiving institution user information). To explain this by way of example, a user who wishes to perform an account transfer first inputs his / her desire to perform an account transfer by touching the ATM 100 (for example, by pressing the account transfer service button). When the ATM 100 accepts this operation, it displays a guide screen for selecting a receiving institution to be the subject of the account transfer. The user operates the ATM 100 to select a receiving institution in accordance with the guide screen. When the ATM 100 accepts this operation, it displays a guide screen for prompting the user to enter key information (for example, a customer number, etc.) for identifying the user who is using the receiving institution. Note that the key information is not limited to a customer number, and may be the user's name, address, mobile phone number, etc. Also, instead of (or in addition to) requesting input of key information, the user may be requested to present some document related to the receiving institution (e.g., a user's payment slip or a service start guide, etc.), and the optical scanning unit 106 may scan the document to obtain the key information. Operations after the ATM 100 obtains the key information (i.e., the user inserts a cash card, inputs a PIN, etc.) can be explained in the same manner as in this embodiment, and therefore further explanation will be omitted.

[0051] The present invention is not limited to the above-mentioned embodiment, and can be embodied in various other forms without departing from the scope of the present invention. Therefore, the above-mentioned embodiment is merely an example in every respect, and should not be interpreted as being restrictive. For example, the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel as long as there is no inconsistency in the processing content. In addition, although the present embodiment does not specifically mention the case where a collection agency exists between the collection agency and the financial institution, the present invention can be similarly applied to the case where a collection agency exists. In this case, it is sufficient to include the agency code of the collection agency in the two-dimensional code, or to additionally display the agency code on the screen of the ATM 100. [Explanation of symbols]

[0052] 1000...information processing system, 100...ATM, 200...account transfer processing system, 210...storage unit, 220...acquisition unit, 230...reception unit, 240...confirmation unit, 250...setting request unit, 260...notification unit, 300...financial institution system, 400...collection agency system

Claims

1. An account transfer processing system that processes settings for account transfer to debit a payment to a receiving institution from an account of a financial institution designated by a user, An acquisition unit that acquires user information of the receiving institution for identifying the user who uses the receiving institution from the receiving institution; a reception unit that receives settings for account transfer of the user from the automated teller machine based on an operation of the automated teller machine by the user, and also receives name-related information required for name verification of the user; A confirmation unit that confirms whether the user's name is consistent by comparing the user information of the receiving institution with the name-related information; a setting request unit that requests the financial institution to set up an account transfer using the account designated by the user when the name match is confirmed; An account transfer processing system comprising:

2. The account transfer processing system of claim 1, further comprising a notification unit that notifies the receiving institution of the completion of the account transfer setup when the financial institution has set up the account transfer for the user in response to the account transfer setup request.

3. 3. The account transfer processing system of claim 2, wherein the reception unit receives as the name-related information information displayed on a face of a cash card relating to an account of a financial institution designated by the user, the information being acquired by the automated teller machine.

4. The receiving institution user information includes at least a receiving institution code for identifying the receiving institution, an identification number for identifying the user, and a user name representing the name of the user, 4. The account transfer processing system according to claim 3, wherein the account-related information includes at least the account-holder name of the cash card.

5. A computer that processes settings for direct debit to withdraw the amount to be paid to a receiving institution from an account of a financial institution designated by a user, An acquisition unit that acquires user information of the receiving institution for identifying the user who uses the receiving institution from the receiving institution; a reception unit that receives settings for account transfer of the user from the automated teller machine based on an operation of the automated teller machine by the user, and also receives name-related information required for name verification of the user; A confirmation unit that confirms whether the user's name is consistent by comparing the user information of the receiving institution with the name-related information; a setting request unit that requests the financial institution to set up an account transfer using the account designated by the user when the name match is confirmed; A program to make it function as such.

Images