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] Monthly utility bills and fees for various services are automatically deducted from the account of the financial institution designated by the user. Automatic direct debit is widely used. The person fills in the necessary information on the account transfer request form, etc., and affixes the registration seal or other seal related to the designated account. Generally, the payment is submitted to a collection agency (including a collection agent) such as the company to which the payment is made. This is true.

[0003] A part of the deposit account transfer request form submitted to the collection agency is the financial institution of the bank account designated by the user. The document is then sent to the relevant financial institution, where it is then set up (registered) for direct debit. The problem is that it takes a long time (about 1 to 2 months) to complete the administrative procedures.

[0004] In order to solve such problems, the user operates a mobile terminal or a personal computer. This is the account transfer contract system that allows you to access Internet banking and set up account transfers. A system has been proposed (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, if users are not familiar with terminal operations, it may be necessary to set up account transfers online. There was a problem where people were unable to complete the process and would drop out.

[0007] The present invention has been made in consideration of the above-described circumstances, and is intended to make it possible to set up a direct debit account quickly and easily. The present invention aims to provide an account transfer processing system etc. that can be easily performed. [Means for solving the problem]

[0008] The account transfer processing system according to an embodiment of the present disclosure transfers the amount to be paid to a receiving institution through a user. Account transfer: Processing related to the setting of account transfer by debiting from the account of the financial institution designated by the user A processing system, comprising: a receiving facility for identifying a user who uses the receiving facility; An acquisition unit that acquires institution user information and, based on an operation of the automated teller machine by a user, Accepts user account transfer settings from the automated teller machine and verifies user name A reception unit that receives name-related information required for authentication, and a receiving unit that receives user information of a receiving institution and name-related information A verification unit checks whether the user's name matches by comparing the name with the name of the user. If a match is confirmed, the financial institution will notify the user of the transaction using the account specified by the user. The gist of the present invention is that it comprises a setting request unit that requests the setting of a bank transfer. 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. The same reference numerals are used and duplicated explanations are 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 an ATM that a user operates to set up an account transfer. M (automated teller machine) 100 and a processing unit for setting up account transfers in response to requests from users. and a user account transfer processing system 200 that holds a user's deposit account and the like. A financial institution system 300 operated by a bank or the like that accepts a request to set up an account transfer; The system is configured to include a receiving agency system 400 operated by a company or the like to which the fees are paid. The ATM100 is installed in various locations, including convenience stores, retail stores, airports, and train stations. It can be done.

[0013] ATM 100, account transfer processing system 200, financial institution system 300, collection agency system The systems 400 are interconnected via a communication network N. Network N is, for example, the Internet, LAN, telephone lines, corporate networks, mobile communications Internet, Bluetooth (registered trademark), WiFi (Wireless Fidelity), and other communication lines The communication method may be wired or wireless, or a combination of wires and wireless communication. stomach.

[0014] The account transfer processing system 200, the financial institution system 300, and the collection agency system 400 are For example, it may be a general-purpose server computer and may be composed of one computer. Alternatively, the system may be composed of multiple computers distributed across a communication network N. The computers that make up the systems 200, 300, and 400 are general-purpose computer hardware. Like the software, it includes a control device equipped with a CPU, a storage device equipped with semiconductor memory, and a touch panel. This includes input devices such as a keyboard and mouse, and communication devices equipped with various communication interfaces. It is composed of:

[0015] The account transfer processing system 200 is a system in which hardware resources such as a control device are stored in a storage device. By cooperating with various software installed in the storage unit 210, the acquisition unit 220, the reception unit 2 30, a confirmation unit 240, a setting request unit 250, a notification unit 260, etc.

[0016] FIG. 2 shows the flow of operations when setting up an account transfer using the information processing system 1000. FIG. When making payment to a receiving institution, a user who wishes to make a direct debit payment can do so at a user terminal (e.g. For example, a smartphone or a personal computer is used to receive the payment. and obtain information on the user's payment details held by the collection agency (hereinafter, The user information of the receiving institution is used to identify the receiving institution, for example. the collection agency code to identify the user, the customer number, user name, and mobile phone number Of course, the present invention is not limited to these.

[0017] When the receiving agency system 400 receives a request for receiving agency user information from the user terminal, The user identification information included in the request (e.g., the user's name) is used as a search key. A customer database (not shown) is searched to obtain the user information of the collection agency of the user. The receiving institution system 400 receives the received receiving institution user information (here, receiving institution code and This will convert the information (assuming it includes your customer number) into a two-dimensional code such as a QR code (registered trademark), The information is sent to the user terminal (step S1). The collected user information is sent to the user's terminal, but instead of this, a two-dimensional code is used. The collected user information may be printed on paper and mailed to the user. A one-dimensional code (bar code) may be used instead of the code.

[0018] Furthermore, the receiving institution system 400 stores personal information of the user who wishes to transfer funds (here, , receiving institution user information) to the account transfer processing system 200 The information is transmitted to the account transfer processing system 200 (step S2). When the receiving agency user information is received (acquired) from the receiving agency system 400, the receiving agency 200 is stored in the storage unit 210.

[0019] Meanwhile, a user who receives the user information of the collecting institution in the form of a two-dimensional code via a user terminal For example, the customer goes to the nearest convenience store and buys a convenience store item while shopping. The user operates the ATM 100 installed at the A and sets up the account transfer.

[0020] FIG. 3 is a diagram showing the external appearance of the ATM 100. As shown in FIG. The ATM 100 includes a main display unit 101, a cash card (including a debit card), etc. a card reader 102 for receiving magnetic cards, and a bill deposit / withdrawal unit 103 for depositing and withdrawing bills. , an operation unit 104 operated by a user, a code reading unit 105, an optical scanning unit 106, and 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 is, for example, a display means such as a liquid crystal display, and receives input from the user. The display means is configured to guide the user to operate the display device. The screen and input keys are displayed, and the user presses the input keys on the touch panel. By using the input keys, the user can input information corresponding to the input keys. Instead of the input means shown in FIG. 01, the input means (such as a numeric keypad) of the operation unit 104 is operated. The same information can also be entered via the

[0022] The code reading unit 105 is, for example, a code reader. It can read two-dimensional codes displayed on a user's device. The optical scanning unit 106 is, for example, an image scanner, and is placed on a stand 107. Scan the photos and text attached to the front of cash cards, IC cards, etc. as images The stand 107 has a surface that is approximately horizontal to the ground, and the optical scanner can be mounted on the stand 107. The scanning unit 106 can obtain images of a certain quality without being affected by camera shake or the like. Cut.

[0023] The sub-display unit 108 has a display means such as a liquid crystal display, and displays the The sub-display unit 108 may have only a display means, or may have a main Similar to the main display unit 101, the sub-display unit 1 may have an input unit in addition to a display unit. 08, for example, a cash card or IC to be read by the optical scanning unit 106 A screen may be displayed to guide the user to the position where to place the card, etc. Even users who are unfamiliar with TM100 operations can operate the device smoothly and without hesitation. It is possible to do so.

[0024] The non-contact IC communication unit 109 is, for example, a non-contact IC reader / writer. The non-contact IC communication unit 109 is a non-contact IC mounted on an IC card or the like. It communicates with the C chip in a non-contact manner to read and write information stored in the contactless IC chip. The non-contact IC communication unit 109 is configured to receive the IC card or the like when the IC card or the like is placed on the stand 107. This enables communication with the contactless IC chip.

[0025] The camera 110 is a camera device capable of taking moving or still images. 110 is installed so that a facial image of a user who operates the ATM 10 can be captured.

[0026] 4A to 4G and 5 are diagrams for explaining the flow of a procedure for account transfer using the ATM 100. This is an image of the ATM screen for

[0027] A user who wishes to transfer funds from his / her account operates the ATM 100 and inputs a request to transfer funds from his / her account. When the ATM 100 receives the operation, it displays a plan for reading the two-dimensional code. The internal screen P0 is displayed on the main display unit 101 (see FIG. 4A). Therefore, the user information of the collecting agency is displayed in a two-dimensional code on the display screen of the user's terminal. The user holds the card directly under the code reader 105 of the ATM 100. When the user information of the receiving institution is acquired, the user is The guide screen P1 for setting up direct debit for the collection agency service you use is displayed. It is displayed on the main display unit 101 (see FIG. 4B).

[0028] The user operates the touch panel of the ATM 100 to press the next button B1. When the ATM 100 accepts the operation, it transfers the cash of the bank set as the payment account. A guide screen P2 is displayed on the main display unit 101, instructing the user to insert the card into the card reading unit 102. See Figure 4C.

[0029] The user follows the guide screen P2 to select the bank cash card to be set as the payment account. The ATM 100 detects that the cash card has been inserted into the reader 102. When the user presses the button, a screen P3 appears on the main screen, informing the user that the user should enter the PIN number for the cash card. The result is displayed on the display unit 101 (see FIG. 4D).

[0030] The user inputs a PIN number according to the guide screen P3. The bank also obtains the payment account number from the cash card and the password for the cash card. Once you have obtained the certificate number, you can enter your account transfer settings (e.g., collection agency code, customer number, account To prompt the user to confirm the details of the transfer (such as the bank name, payment account number, and username) The guide screen P4 is displayed on the main display unit 101 (see FIG. 4E).

[0031] The user refers to the guide screen P4 and confirms that there are no problems with the account transfer settings. The user presses the confirmation button B2. When the ATM 100 accepts this operation, it sets up the account transfer. A screen indicating that the setting has been accepted is displayed on the main display unit 101, and the setting details of the account transfer are also displayed. Print out detailed statements showing the above.

[0032] In this way, when setting up an account transfer, the user follows the guidance screen of the ATM 100: The extremely complicated process of inserting the bank card of the bank you wish to set as your payment account and entering your PIN number is required. The process can be completed with simple operations, so users abandon the process due to the complexity of the operations. It is possible to suppress problems such as the above.

[0033] Furthermore, the ATM 100 is capable of verifying the user's name in the account transfer processing system 200. The main screen displays P5, which prompts users to scan their cash card. The result is displayed on unit 101 (see FIG. 4F).

[0034] The user places the cash card on the stand 107 according to the guide screen P5 and presses the photograph button. When the ATM 100 detects that the photograph button B3 has been pressed, the ATM The student scan unit 106 is started, and the contents displayed on the face of the cash card (specifically Scan the name of the account holder on the bank card, etc.

[0035] Then, the ATM 100 transmits the account transfer setting information, which indicates the details of the account transfer setting, to the ATM 100. The scanned cash card is sent to the cashiering system 200 (step S3). The information displayed on the card is used as the name-related information (image file) for account transfer processing. The resultant data is transmitted to the management system 200 (step S4).

[0036] When the account transfer processing system 200 receives (acquires) the name-related information from the ATM 100, Then, OCR processing is performed to convert the name-related information into text data. The system 200 uses the acquired name-related information and the By comparing the user information of the receiving institution, the name of the cash card account holder and the receiving institution can be identified. Whether the registered users match (i.e., whether the user names match It is determined whether or not the

[0037] In the following description, the account transfer processing system 200 uses the name-related information as shown in FIG. The account holder name of the cash card included in the user information of the receiving institution is the same as the user name included in the receiving institution user information. This example shows a method for verifying the identity of the registered owner in real time by comparing (collating) the registered owner and the registered owner. It is not intended to be a system that allows users to manually verify the identity of their registered account by outsourcing to a BPO company or other similar company. In this case, the person in charge at the BPO company may obtain the information via the account processing system 200. The name-related information of the user (image file) and the user information of the receiving institution obtained from the receiving institution By visually checking the information (e.g., user name), it is possible to confirm whether the name of the account holder matches. When the PO company receives the result of the account holder identity verification from the person in charge, it inputs this to the account transfer processing system. In addition, when the account holder identity verification is performed manually, the cash counter 200 is notified. The user name-related information displayed on the card is copied as an image file (i.e. Although visual check (without converting to text) is acceptable, OCR processing can be used to It is also possible to visually check the sample after it has been stored. In addition, when performing a name match check, it is not enough to just check the user name, but also to check whether the user is A, The account number of the cash card inserted into the TM100 and the optical scanner 10 of the ATM100 6. Compare the scanned account number and check whether the account number matches. You may check this by doing the following.

[0038] If the account transfer processing system 200 determines that the user name matches, In response to a request for account transfer setup by the user, a request for account transfer setup is sent to the financial institution system 300. Specifically, the account transfer processing system 200 receives the transaction from the ATM 100 (step S6). The obtained account transfer setting information is included in an account transfer setting request and transmitted to the financial institution system 300. The financial institution system 300 receives a request for setting up an account transfer from the account transfer processing system 200. Based on the request, the user can set up a direct debit (e.g., the amount to be paid to the receiving institution) The financial institution system 300 performs procedures for withdrawing funds from a specified bank account. When the account transfer setup procedure is completed, the account transfer information is input to the account transfer processing system 200. Notify that the setup is complete.

[0039] The account transfer processing system 200 receives a notification from the financial institution system 300 that the account transfer setting has been completed. When the notification is received, the receiving institution system 400 is notified that the account transfer setting is completed. (Step S7). The account transfer processing system 200 stores the user's customer number and account The bank account number and other information set up for the transfer will now be included in the notification of completion of direct debit setup. You may do so.

[0040] Next, the flow of the account transfer setting operation executed by the account transfer processing system 200 will be described. This will be described with reference to FIG. The receiving agency system 400 sends a two-dimensional coded receipt to a user who wishes to transfer funds. When the payment institution user information is transmitted, the personal information of the user is transmitted to the account transfer processing system 200. In order to cooperate, the receiving institution user information is sent to the account transfer processing system 200.

[0041] The acquisition unit 220 of the account transfer processing system 200 receives the receipt of the receipt from the receiving institution system 400. When user information is received (acquired), it is stored in the storage unit 210 (step S101). . On the other hand, the user operates the ATM 100 to set up a direct debit and enter the name of the account The cash card face will be scanned as necessary for verification (see Figures 4A to 4F).

[0042] The reception unit 230 of the account transfer processing system 200 receives from the ATM 100 the account transfer setting information. The account transfer setting information showing the details of the transaction will be received, along with the cash card number required for name verification. Receive the name-related information (image file) displayed on the card (Step S 102→step S103).

[0043] The account transfer processing system 200 performs OCR processing on the name-related information received from the ATM 100. The account transfer processing system 200 converts the name-related information into text data. After converting the name-related information into text data, the confirmation unit 240 stores the text data in the storage unit 210. By comparing with the user information of the receiving institution stored, whether the user name matches As already explained, the account transfer processing system Instead of using System 200 to check for real-time name match, A visual check may be used to confirm the identity of the holder.

[0044] When the account transfer processing system 200 determines that the user names do not match (step Step S104: NO) and notifies the ATM 100 that the user name does not match. (Step S105). Upon receiving such a notification, the ATM 100 displays the following on the main display unit 101: A message will be displayed to the user stating that the account transfer setting cannot be accepted due to a name mismatch. When the user checks the message displayed on the main display unit 101, the cache card The user can continue the account transfer setup procedure by rescanning the card face, etc. Note that if the card face is scanned more than the specified number of times, If the user name is repeatedly found to be inconsistent, the account transfer setting will be forced This will prevent unauthorized use of a user's deposit account through identity theft or other such means. This can be prevented naturally.

[0045] On the other hand, the setting request unit 250 of the account transfer processing system 200 checks whether the user name matches. If it is determined that the transfer is necessary (step S104: YES), the transfer setting obtained from the ATM 100 is The information is included in a request for setting up an account transfer and is sent to the financial institution system 300. A request for setting up an account transfer is made to the financial institution system 300 (step S106). 300 performs a procedure for setting up the account transfer based on the request for setting up the account transfer, The management system 200 is notified that the account transfer settings have been completed.

[0046] The notification unit 260 of the account transfer processing system 200 receives the account transfer information from the financial institution system 300. When the notification that the setting is completed is received, the receiving institution system 400 is set up for account transfer. The completion of the setting is notified (step S107), and the process ends.

[0047] As described above, according to this embodiment, when setting up an account transfer, the user can Follow the on-screen instructions to insert the bank cash card you wish to set as your payment account and enter your PIN. This can be completed with a very simple operation of entering the number. Problems with setting up direct debit: users who are unfamiliar with web operations may be unable to complete the procedure. This can prevent problems such as members abandoning the program.

[0048] Furthermore, according to this embodiment, it is not necessary to input information through Web operations. This reduces the risk of personal information leaking from b, eliminating security concerns. Users who have a bank account can set up direct debit with peace of mind.

[0049] B. Modifications <Variation 1> In this embodiment, the name-related information obtained by scanning the face of a cash card is used. We checked whether the user name matched, but the purpose is not limited to this. For example, the camera 110 of the ATM 100 may be used to capture a facial image of the user for identity verification. This is stored as history information in the storage unit 210 of the account transfer processing system 200. In this case, it is not possible to verify the user's name, but it is possible to verify the user's identity. This is expected to have a certain degree of deterrence against fraudulent use such as spoofing. Instead of (or in addition to) taking a picture of the user's face, You may also take a photo of your driver's license, My Number card, etc. Based on the user information of the receiving institution obtained from the receiving institution system 400, the identity verification screen P6 may be generated and displayed on the main display unit 101 of the ATM 100 (see FIG. 4). (see G).

[0050] <Variation 2> In this embodiment, the user information of the receiving institution is converted into a two-dimensional code such as a QR code, and the user We have explained the scheme for sending (issuing) the ID to the user's terminal (see Figure 2, etc.). For example, the contents to be embedded in the two-dimensional code (i.e., user information of the collection agency) Even if a scheme is adopted in which the user directly operates the ATM 100 to select and input the To explain this by way of example, a user who wishes to transfer funds from his / her account first taps on the ATM 100. Enter your request for direct debit by touching the button on the When the ATM 100 receives such an operation, it The user can operate the ATM 100 to select a receiving institution. The user then selects a receiving institution by following the instructions on the screen. When the user enters the key information, the key information (e.g., customer number) to identify the user who is using the collection agency is displayed. A guide screen will be displayed prompting you to enter your customer number, etc. However, the key information may be a user's name, address, mobile phone number, etc. Instead of (or in addition to) asking for power, any document related to the collection agency (e.g. The optical scanning unit 106 then requests the user to present the payment slip, service start guide, etc. The document may be scanned to obtain key information. Actions taken after obtaining key information (i.e., when the user inserts a cash card or changes a PIN) The input of the number, etc. can be explained in the same manner as in the present embodiment, so further explanation is omitted. love.

[0051] The present invention is not limited to the above-described embodiment, and any other modifications may be made without departing from the gist of the present invention. The present invention can be embodied in various other forms without departing from the spirit and scope of the present invention. The above is merely an example and should not be construed as being restrictive. Steps can be reordered or executed in parallel as long as there are no contradictions in the processing. In this embodiment, a collection agency exists between the collection agency and the financial institution. Although there was no specific mention of cases where a collection agency exists, the same applies when a collection agency exists. In this case, the two-dimensional code may contain the agency code of the collection agency, or the ATM number may be used. This can be addressed by adding the agency code to screen 0. [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, 2 60...Notification Department, 300...Financial institution system, 400...Collection agency system

Claims

1. Direct debit to withdraw payment to the collection agency from the account of the financial institution designated by the user An account transfer processing system that performs processing related to the setting of The receiving institution provides a receiving institution user ID for identifying the user who uses the receiving institution. An acquisition unit for acquiring user information; Based on the operation of the automated teller machine by the user, The user's account transfer settings are accepted, and the name required for the user's name verification is also provided. A reception unit that receives the definition-related information; By comparing the receiving institution user information with the name-related information, the name of the user is a verification unit that verifies whether or not there is a match; If the name match is confirmed, the financial institution is notified of the name specified by the user. a setting request unit for requesting the setting of an account transfer using the specified account; An account transfer processing system comprising:

2. In response to the request to set up the account transfer, the financial institution sets up the account transfer for the user. a notification unit that notifies the receiving institution of the completion of the setting of the account transfer when the setting of the account transfer is completed; 2. The account transfer processing system according to claim 1, further comprising:

3. The reception unit receives the financial information designated by the user and is acquired by the automated teller machine. The information displayed on the face of the cash card relating to the institution's account is used as the account-related information.

3. The account transfer processing system according to claim 2, wherein the account transfer processing system accepts the payment as a payment.

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 Including, The name-related information includes at least the name of the account holder of the cash card, Item 4. An account transfer processing system according to item 3.

5. Direct debit to withdraw payment to the collection agency from the account of the financial institution designated by the user A computer that processes settings of The receiving institution provides a receiving institution user ID for identifying the user who uses the receiving institution. An acquisition unit for acquiring user information; Based on the operation of the automated teller machine by the user, The user's account transfer settings are accepted, and the name required for the user's name verification is also provided. A reception unit that receives the definition-related information; By comparing the receiving institution user information with the name-related information, the name of the user is a verification unit that verifies whether or not there is a match; If the name match is confirmed, the financial institution is notified of the name specified by the user. a setting request unit for requesting the setting of an account transfer using the specified account; A program to make it function as such.

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