Business support system, business support method and business support program

Abstract

To improve the convenience of a user in the submission procedure of an identification document.SOLUTION: When confirmation is selected on an identification document that has been submitted to a second business entity on a selection screen of a submission method of the identification document, an identification procedure support unit (211) reads, from a database (221) managed by the second business entity, image data of the identification document that has been submitted to the second business entity in the time of concluding a contract of a commodity product or service related to the second business entity or changing registration information by a user, and displays the read image data on a terminal device of the user. When the image data of the identification document displayed on the terminal device of the user is selected by the user, the identification procedure support unit (211) transmits the selected image data to an on-line contract conclusion unit.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a business support system, a business support method, and a business support program for identity verification procedures. [Background technology]

[0002] There are platforms that provide a large number of services over the Internet (e.g., shopping malls, mobile communications, finance, travel, e-books, flea markets, etc.). Some of the services provided by these platforms require users to submit identity verification documents (e.g., banking services, mobile communications services). Previously, even for services provided by the same platform, users had to submit identity verification documents for each service that required them, which was a lot of work for users. In addition, identity verification screening on the platform side was performed on behalf of users, which required a lot of man-hours to collate data.

[0003] Patent Document 1 proposes a method for opening a bank account through direct banking using a mobile terminal. With this method, the user cannot verify the image of the identification document provided to the bank by the mobile phone company. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2007-293598 Summary of the Invention [Problem to be solved by the invention]

[0005] Some users want to avoid the hassle of taking photos of and uploading their identification documents when applying for a new service, some don't want identification documents they've already submitted to be reused, and some just want to be able to check the contents of the identification documents that will be reused.

[0006] The present disclosure has been made in consideration of these circumstances, and one of its purposes is to provide a technology that improves user convenience in the process of submitting identification documents. [Means for solving the problem]

[0007] To solve the above problem, a business support system according to one embodiment of the present disclosure supports the business of a first business operated by a first business entity and a second business operated by a second business entity, both of which belong to the same group. The system includes an online contract conclusion unit that displays a contract application screen for a product or service related to the first business, which requires identity verification, on a user's terminal device connected via a network. If "Verify using identity verification documents already submitted to the second business entity" is selected on a screen for selecting a method of submitting identity verification documents displayed as part of the contract application screen, the system reads image data of the identity verification document submitted to the second business entity from a database managed by the second business entity when the user concludes a contract for a product or service related to the second business or when changing registration information, and displays the read image data on the terminal device. If the user selects image data of the identity verification document displayed on the terminal device, the identity verification procedure support unit transmits the selected image data to the online contract conclusion unit.

[0008] Another aspect of the present disclosure is a business support system. The business support system supports business of a first business run by a first business entity, and includes an online contract conclusion unit that displays a contract application screen for a product or service related to the first business that requires identity verification on a user's terminal device connected via a network. The online contract conclusion unit displays a selection screen for submitting identification documents as one of the contract application screens. When "confirmation using identification documents previously submitted to a second business entity belonging to the same group as the first business entity" is selected, the online contract conclusion unit cooperates with the business support system of the second business entity, and when the user selects image data of the identification document that the business support system of the second business entity has displayed on the terminal device and that the user submitted to the second business entity when signing a contract for a product or service related to the second business entity or when changing registration information, the online contract conclusion unit receives the selected image data from the business support system of the second business entity.

[0009] Yet another aspect of the present disclosure is a business support system that supports the business of a second business operated by a second business entity. The business support system includes an identity verification procedure support unit that, when confirmation using identity verification documents already submitted to the second business entity is selected on a screen for selecting a method of submitting identity verification documents displayed on a user's terminal device connected via a network as one of contract application screens for a product or service related to a first business operated by a first business entity that belongs to the same group as the second business entity and that requires identity verification, reads image data of the identity verification document that the user submitted to the second business entity when signing a contract for the product or service related to the second business or when changing registration information from a database managed by the second business entity and displays the read image data on the terminal device. When the user selects image data of the identity verification document displayed on the terminal device, the identity verification procedure support unit transmits the selected image data to the business support system of the first business entity.

[0010] Yet another aspect of the present disclosure is a business support method for supporting business of a first business operated by a first business entity and a second business operated by a second business entity belonging to the same group, the method including the steps of: displaying a contract application screen for a product or service related to the first business that requires identity verification on a user's terminal device connected via a network; when verification using an identity verification document already submitted to the second business entity is selected on a selection screen for submitting an identity verification document that is displayed as part of the contract application screen, reading image data of the identity verification document that the user submitted to the second business entity when concluding a contract for the product or service related to the second business or when changing registration information from a database managed by the second business entity and displaying the read image data on the terminal device; and when image data of the identity verification document displayed on the terminal device is selected by the user, transmitting the selected image data to a business support system of the first business entity.

[0011] Any combination of the above components, or any conversion of the expression of the present disclosure between an apparatus, a system, a method, a computer program, a recording medium storing a computer program, etc., is also valid as an aspect of the present disclosure. [Effects of the Invention]

[0012] According to the present disclosure, it is possible to improve user convenience in the process of submitting identification documents. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a block diagram illustrating an overall configuration of a business support system according to an embodiment. [Figure 2] FIG. 2 is a block diagram illustrating an example of the configuration of a user terminal according to the embodiment. [Figure 3] 1 is a block diagram showing an example of the configuration of a mobile communication business support system according to an embodiment; [Figure 4] 1 is a block diagram showing an example of the configuration of a banking business support system according to an embodiment; [Figure 5] 10A and 10B are diagrams illustrating an example of transition of a contract signing screen for a line contract plan according to a comparative example. [Figure 6] 10A to 10C are diagrams illustrating an example of transition of a contract signing screen for a line contract plan according to an embodiment. [Figure 7] FIG. 10 is a diagram showing an example of a selection screen for an identification document according to the embodiment; [Figure 8] FIG. 10 is a diagram showing an example of a document to be sent selection screen according to the embodiment; [Figure 9] 9(a) to 9(e) are diagrams showing specific examples of image data of each user's personal identification document stored in the personal identification document image data storage unit of the banking business support system according to the embodiment. [Figure 10] FIG. 10 is a diagram showing an example of an account setting screen according to the embodiment. [Figure 11] 10 is a flowchart illustrating a flow of an identity verification procedure performed by the business support system according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0014] This embodiment relates to a business support system that supports the business of multiple business entities that each operate multiple services provided on the same platform. The multiple business entities belong to the same corporate group and may be organized as a company system or a division system. In this embodiment, it is assumed that a first business operated by a first business entity belonging to the same corporate group is a mobile communications business, and a second business operated by a second business entity is a banking business.

[0015] FIG. 1 is a block diagram showing the overall configuration of a business support system 1 according to an embodiment. The business support system 1 includes a mobile communication business support system 10 and a banking business support system 20. The mobile communication business support system 10 is a system for supporting the business of a mobile communication carrier. The mobile communication business support system 10 is constructed by a plurality of servers (e.g., application servers, image storage servers, etc.) and client PCs installed in a company's own or external data center. The banking business support system 20 is a system for supporting the business of a banking business operator. The banking business support system 20 is constructed by a plurality of servers (e.g., application servers, image storage servers, etc.) and client PCs installed in a company's own or external data center.

[0016] The user terminal 30 is a terminal device possessed by a user that can access the network 2. Examples of such a terminal include a smartphone, a tablet, and a PC. In this embodiment, it is assumed that a user uses the user terminal 30 to access an online shop directly operated by a mobile communications carrier or an online shop located in an online shopping mall, and purchases a line contract plan alone or a set of a mobile communications terminal and a line contract plan.

[0017] The network 2 is a general term for communication paths such as the Internet, a dedicated line, and a VPN (Virtual Private Network), and the communication medium and protocol are not important. Examples of communication media that can be used include an optical fiber network, an ADSL network, a CATV network, a mobile communication network, a wireless LAN, and a wired LAN. Examples of communication protocols that can be used include TCP (Transmission Control Protocol) / IP (Internet Protocol), UDP (User Datagram Protocol) / IP, and Ethernet (registered trademark). It is desirable for the mobile communication business support system 10 and the banking business support system 20 to be connected via a dedicated line or VPN.

[0018] 2 is a block diagram showing an example of the configuration of a user terminal 30 according to an embodiment. In this embodiment, a smartphone is assumed as the user terminal 30. The user terminal 30 includes a processing unit 31, a storage unit 32, a communication unit 33, an operation unit 34, a display unit 35, and an imaging unit 36.

[0019] The processing unit 31 can be realized by a combination of hardware and software resources, or by hardware resources alone. Examples of hardware resources that can be used include a CPU, ROM, RAM, GPU (Graphics Processing Unit), DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), SoC (System on a Chip), and other LSIs. Examples of software resources that can be used include operating systems, middleware, applications, and other programs. The storage unit 32 has a nonvolatile recording medium (e.g., NAND flash memory) and stores various programs and data.

[0020] The communication unit 33 uses the antenna 33a to perform wireless signal processing for accessing a mobile phone base station via a 4G network / 5G network or a wireless LAN access point via Wi-Fi (registered trademark). Note that when the user terminal 30 is a PC connected to a router device via a LAN cable, the communication unit 33 performs signal processing in accordance with Ethernet.

[0021] The operation unit 34 and the display unit 35 are configured, for example, with a touch panel display. The touch panel display detects the coordinates of the touch position touched by the user's finger, for example, by using a capacitance method. The touch panel display displays an image generated by the processing unit 31, accepts user operations, and outputs the contents of the accepted operations to the processing unit 31. Note that, in addition to the touch panel display, physical buttons (for example, a power button and a volume button) may be provided as the operation unit 34.

[0022] The imaging unit 36 includes a lens and a solid-state imaging element (for example, a CMOS (Complementary Metal Oxide Semiconductor) image sensor or a CCD (Charge Coupled Devices) image sensor). The solid-state imaging element converts light collected by the lens into an electrical image signal and outputs it to the processing unit 31. The imaging unit 36 can be used to photograph an identification document and the user's face.

[0023] FIG. 3 is a block diagram showing an example of the configuration of a mobile communication business support system 10 according to an embodiment. The mobile communication business support system 10 includes a processing unit 11, a storage unit 12, a communication unit 13, an operation unit 14, and a display unit 15. The processing unit 11 includes an online contract conclusion unit 111. The processing unit 11 can be realized by a combination of hardware resources and software resources, or by hardware resources alone. Examples of hardware resources that can be used include a CPU, ROM, RAM, GPU, DSP, ASIC, FPGA, chipset, and other LSIs. Examples of software resources that can be used include programs such as an operating system, middleware, and applications.

[0024] The storage unit 12 includes an identification document image data holding unit 121. The storage unit 12 includes a non-volatile recording medium such as an HDD (Hard Disk Drive) or an SSD (Solid State Drive). Note that, among the components of the processing unit 11 and the storage unit 12, only the components of interest in this embodiment are shown.

[0025] The communication unit 13 performs signal processing for connecting to the network 2. For example, when the mobile communication business support system 10 is connected to a router device via a LAN cable, the communication unit 13 performs signal processing in accordance with Ethernet.

[0026] The operation unit 14 includes a user interface such as a keyboard, a mouse, a touch panel, etc., and accepts operations from a mobile communication carrier's representative. The operation unit 14 outputs the accepted operation content to the processing unit 11. The display unit 15 includes a display such as a liquid crystal display, an organic EL display, or a mini LED display, and displays an image generated by the processing unit 11.

[0027] FIG. 4 is a block diagram showing an example configuration of a banking business support system 20 according to an embodiment. The banking business support system 20 includes a processing unit 21, a memory unit 22, a communication unit 23, an operation unit 24, and a display unit 25. The processing unit 21 includes an identity verification procedure support unit 211 and an account transfer setting unit 212. The processing unit 21 can be realized by a combination of hardware resources and software resources, or by hardware resources alone. The hardware resources can include a CPU, ROM, RAM, GPU, DSP, ASIC, FPGA, chipset, and other LSIs. The software resources can include programs such as an operating system, middleware, and applications.

[0028] The storage unit 22 includes a personal identification document image data holding unit 221. The storage unit 22 is configured to include a non-volatile recording medium such as an HDD, an SSD, etc. Note that the components of the processing unit 21 and the storage unit 22 only show the components that are of interest in this embodiment.

[0029] The communication unit 23 performs signal processing for connecting to the network 2. For example, when the banking business support system 20 is connected to a router device via a LAN cable, the communication unit 23 performs signal processing in accordance with Ethernet.

[0030] The operation unit 24 includes a user interface such as a keyboard, a mouse, a touch panel, etc., and accepts operations from bank personnel. The operation unit 24 outputs the accepted operation content to the processing unit 21. The display unit 25 includes a display such as a liquid crystal display, an organic EL display, or a mini LED display, and displays images generated by the processing unit 21.

[0031] The personal identification document image data storage unit 221 is a database for storing image data of personal identification documents submitted to the bank. The image data of personal identification documents stored in the personal identification document image data storage unit 221 is image data photographed by a user when opening a bank account or changing registered information, and uploaded to the banking business support system 20 via the network 2.

[0032] The image data of the identification document stored in the identification document image data storage unit 221 may include image data of the identification document that the user submitted to the bank on paper when opening a bank account or changing registration information, and that the bank staff digitized using a scanner. The identification document submitted on paper may also be digitized using OCR (Optical Character Recognition).

[0033] When a user wishes to complete online contract procedures for a line contract plan provided by a mobile communications carrier, or for a set of a mobile communications terminal and a line contract plan, the user uses the user terminal 30 to access an application site managed by the mobile communications business support system 10. If an application program of the mobile communications carrier is installed on the user terminal 30, the processing unit 31 of the user terminal 30 may execute the application program to access the application site, or may access the application site from a web browser. If an application program of the mobile communications carrier is not installed on the user terminal 30, the processing unit 31 of the user terminal 30 accesses the application site from a web browser.

[0034] When the application site is accessed from the user terminal 30, the online contract conclusion unit 111 of the mobile communication business support system 10 displays on the user terminal 30 a contract application screen for a line contract plan alone or a set of a mobile communication terminal and a line contract plan. Contracting for a line contract plan is a service that requires identity verification procedures. The online contract conclusion unit 111 can acquire the user's operation details entered into the user terminal 30 via the network 2.

[0035] The online contract conclusion unit 111 displays a selection screen for the method of submitting identification documents as one of the contract application screens on the user terminal 30. When the user terminal 30 selects "Verify with identification documents already submitted to a bank" belonging to the same corporate group on the selection screen for the method of submitting identification documents, the online contract conclusion unit 111 accesses a site for supporting identification procedures managed by the banking business support system 20, and links the mobile communication business support system 10 and the banking business support system 20.

[0036] When the identity verification procedure support site is accessed from the mobile communication business support system 10, the identity verification procedure support unit 211 of the bank business support system 20 displays a screen for identity verification procedure support on the user terminal 30. If the bank's application program is installed on the user terminal 30, the processing unit 31 of the user terminal 30 may start the application program and connect to the identity verification procedure support site, or may connect to the identity verification procedure support site using a web browser. If the bank's application program is not installed on the user terminal 30, the processing unit 31 of the user terminal 30 connects to the identity verification procedure support site using a web browser.

[0037] The identity verification procedure support unit 211 reads out, from the identity verification document image data storage unit 221, image data of at least one identity verification document that the user submitted to the bank when opening a bank account or when changing the user's registration information, and displays the read image data on the user terminal 30. In this case, the identity verification procedure support unit 211 reads out image data of the user's identity verification document that is stored in the identity verification document image data storage unit 221 and that has been registered within a predetermined period of time (for example, within three years) since the time of application for the line contract plan, and displays the read image data on the user terminal 30.

[0038] If the personal identification document image data storage unit 221 stores multiple pieces of image data of the user's personal identification document that were registered within a predetermined period of time in the past, the personal identification procedure support unit 211 reads out a predetermined number of pieces of image data in order of most recent date and displays the read image data on the user terminal 30. The personal identification procedure support unit 211 may display only the image data of the most recently registered personal identification document (two images if there are a front and a back side), or may display the image data of all personal identification documents registered within a predetermined period of time in the past.

[0039] The identity verification procedure support unit 211 can acquire the user's operation details input to the user terminal 30 via the network 2. When the user selects at least one image data of the identity verification document displayed on the user terminal 30, the identity verification procedure support unit 211 transmits the selected at least one image data to the online contract conclusion unit 111.

[0040] The online contract conclusion unit 111 receives image data of at least one identity verification document from the identity verification procedure support unit 211, and stores the received image data of at least one identity verification document in the identity verification document image data storage unit 121. The stored image data of the identity verification document is made available for reference by the screening officer of the mobile communication carrier.

[0041] The account transfer setting unit 212 can display on the user terminal 30 a screen on which the user can select account transfer from their own bank as a payment method for mobile communication usage fees. The account transfer setting unit 212 can acquire the user's operation details input to the user terminal 30 via the network 2. When account transfer from their own bank is selected by the user, the account transfer setting unit 212 reads out the user's account information from an account information database (not shown) and transmits the read account information to the online contract conclusion unit 111. The online contract conclusion unit 111 receives the user's account information from the account transfer setting unit 212 and stores the received account information in a contract information database (not shown).

[0042] FIG. 5 is a diagram showing an example of transitions of a contract signing screen for a line contract plan according to a comparative example. The online contract signing unit 111 displays an application top screen (P1) on the user terminal 30. When the user presses an application start button on the user terminal 30, the online contract signing unit 111 displays a line contract plan selection screen (P2). Mobile communications carriers typically offer multiple line contract plans with different monthly fees. The higher the monthly fee for a plan, the cheaper the call charge unit price or the longer the free call time. Furthermore, the higher the monthly fee for a plan, the greater the available data capacity. Note that some mobile communications carriers offer only one line contract plan in order to simplify the fee structure.

[0043] When the user selects a line contract plan from the user terminal 30, the online contract conclusion unit 111 displays a details screen (P3) for the selected line contract plan. Specifically, the online contract conclusion unit 111 displays a selection screen for services that can be added to the selected line contract plan. For example, the online contract conclusion unit 111 displays whether or not an answering machine service, an incoming call forwarding service, a call waiting / call holding service, an international call service, a Wi-Fi hotspot service, a smartphone remote operation support service, a harmful site filtering service, etc. are available. Furthermore, the details screen for the line contract plan displays a selection screen for a SIM (Subscriber Identity Module) type (e.g., nanoSIM, eSIM).

[0044] When the user selects and confirms on user terminal 30 whether or not to subscribe to each additional service and the SIM type, the selection of the line contract plan is completed, and online contract conclusion unit 111 displays a mobile communication terminal selection screen (P4). Mobile communication carriers typically provide models of mobile communication terminals from multiple terminal manufacturers. When the user selects a mobile communication terminal on user terminal 30, online contract conclusion unit 111 displays a details screen (P5) for the selected mobile communication terminal. Specifically, online contract conclusion unit 111 displays a color selection screen and a memory capacity selection screen for the selected mobile communication terminal. Note that if the user does not purchase a mobile communication terminal, the display of the mobile communication terminal selection screen (P4) and the mobile communication terminal details screen (P5) is skipped.

[0045] When the user selects and confirms the color and capacity of the mobile communication terminal on the user terminal 30, the online contract conclusion unit 111 displays a login screen (P6) for the member ID. The example shown in FIG. 5 assumes that a condition for purchasing a line contract plan is that the user holds a member ID of the corporate group to which the mobile communication operator belongs. When the user enters the user ID and password of the corporate group on the user terminal 30, the online contract conclusion unit 111 acquires the user ID and password.

[0046] If the authentication of the user ID and password is successful, the online contract conclusion unit 111 displays a screen (P7) for selecting an identity verification document. In the comparative example, the user can select one of the following options: "Upload an image of identity verification document" OP1, "AI identity verification (eKYC (electronic Know Your Customer))" OP2, and "Verify at home when receiving" OP3 (see FIG. 7 described later). Note that "Visit the store and bring identity verification document" may also be included as an option.

[0047] Examples of acceptable identification documents include a driver's license (front and back pages required), driving history certificate (front and back pages required), My Number Card (Individual Number Card), Mental Disability Health and Welfare Handbook, Rehabilitation Handbook, Physical Disability Handbook, Health Insurance Card (front and back pages required), Japanese passport (photo page and holder name or emergency contact page required), Resident Registration Card (front and back pages required), Residence Card (front and back pages required), and Special Permanent Resident Certificate (front and back pages required).

[0048] Of these, the Physical Disability Certificate, Health Insurance Card, Japanese Passport, and Basic Resident Registration Card require supporting documents to be attached. Examples of supporting documents include utility bills / receipts, resident registration cards, and evacuation shelter certificates. Supporting documents must be issued within the last three months, and the name and address must match those included in the application.

[0049] In OP1 for "uploading an image of an identification document," the user must take a photo of the identification document using the imaging unit 36 and upload the image to the application site of the mobile communication business support system 10 via the network 2. Note that the identification document may be photographed using a camera other than the imaging unit 36 of the user terminal 30, and the photographed image may be imported into the user terminal 30 using a USB cable or the like.

[0050] The "AI identity verification (eKYC)" OP2 is an option that can be selected by a user who already has an eSIM-compatible user terminal 30 and is applying for an eSIM line contract plan. In the "AI identity verification (eKYC)" OP2, the user photographs their driver's license / My Number card and their face with the imaging unit 36, and then uploads the image of the driver's license / My Number card and their face to the application site of the mobile communication business support system 10 via the network 2.

[0051] If the AI image recognition unit (not shown) of the mobile communication business support system 10 successfully matches the face of the person contained in the image of the driver's license / My Number card with the face of the person contained in the facial image, the mobile communication business support system 10 will open the line in as little as 5 minutes from the time of application.

[0052] "Check at home upon receipt" OP3 is a method in which you present identification to the delivery person when receiving the product (at least one of the SIM card and mobile communication device) at home. Examples of identification that can be used when receiving at home include a driver's license, My Number Card (Individual Number Card), Japanese passport, residence card, and special permanent resident certificate. For a Japanese passport, additional supporting documentation must be presented. Examples of supporting documentation that can be used include utility bill receipts, tax payment certificates, and social insurance premium receipts. Supporting documentation must be issued within the last three months, and the name and address must match those contained in the application.

[0053] When "Upload an image of the identification document" OP1 is selected on the identification document selection screen (P7), the online contract conclusion unit 111 displays an identification document upload screen (P8). The identification document upload screen (P8) displays a document type selection field and an image data attachment field, and the user selects the document type (for example, a driver's license) and attaches the image data of the photographed identification document in the attachment field.

[0054] When "AI Identity Verification (eKYC)" OP2 is selected on the identity verification document selection screen (P7), the identity verification document upload screen (P8) is not displayed, and a guide for photographing the driver's license / My Number card and the user's face is displayed on the user terminal 30. The user follows the guide to photograph the driver's license / My Number card and their own face.

[0055] If "Check at home when receiving" OP3 is selected on the identification document selection screen (P7), the display of the identification document upload screen (P8) will be skipped.

[0056] When the upload of the identification document image is complete, the upload of the eKYC-related image is complete, or the "Check at home when receiving" OP3 is selected, the online contract conclusion unit 111 displays a telephone number selection screen (P9) including multiple telephone number candidates. When the user selects and confirms the desired telephone number from the multiple telephone number candidates, the online contract conclusion unit 111 displays a delivery address information screen (P10). The delivery address information screen (P10) displays an input field for the address of the recipient (e.g., home), an input field for the desired delivery date and time, an input field for a contact telephone number, etc.

[0057] When the user inputs and confirms delivery address information on the user terminal 30, the online contract conclusion unit 111 displays a payment method selection screen (P11) for the line contract plan, which includes a registration field for credit card / debit card or bank account transfer. When the user inputs and confirms payment information for the line contract plan on the user terminal 30, the online contract conclusion unit 111 displays a payment method screen (P11) for the mobile communication terminal, which includes a selection field for installment payment or lump-sum payment.

[0058] For example, installment payments can be selected in 12, 24, or 48 installments. In the case of lump-sum payments, payment methods other than credit cards, debit cards, or bank account transfers may be selected. For example, cash on delivery, convenience store payment, or QR code (registered trademark) payment may be selected. If the user has not purchased a mobile communication device, the payment method screen (P11) on the mobile communication device will not be displayed.

[0059] When the user inputs and confirms payment information for the mobile communication terminal from the user terminal 30, the online contract conclusion unit 111 displays an application content confirmation screen (P12). When the user presses the confirm button on the user terminal 30, the online contract conclusion unit 111 displays an application completion screen (P13). This completes the user's application procedure for the line contract plan.

[0060] 6 is a diagram showing an example of the transition of the contract signing screen for a line contract plan according to the embodiment. The display screens from page 1 P1 to page 6 P6 are the same as the display screens according to the comparative example shown in FIG. 5, and therefore a description thereof will be omitted. If the authentication of the user ID and password entered on the member ID login screen (P6) is successful, the online contract signing unit 111 displays a screen (P7a) for selecting personal identification documents.

[0061] 7 is a diagram showing an example of an identification document selection screen (P7a) according to an embodiment. The identification document selection screen (P7a) according to an embodiment presents four options for the method of submitting an identification document: "Upload an image of the identification document" OP1, "AI identity verification (eKYC)" OP2, "Verify at home upon receipt" OP3, and "Verify with identification document already submitted to Bank A" OP4. Bank A is a bank that belongs to the same corporate group as a mobile communications operator (A Mobile).

[0062] "Upload an image of your identity verification document" OP1, "AI identity verification (eKYC)" OP2, and "Verify at home upon receipt" OP3 are also selectable options on the identity verification document selection screen (P7) in the comparative example. In the embodiment, a new option, "Verify with identity verification document already submitted to Bank A" OP4, is added.

[0063] When the user selects the check box for "Verify with identity verification documents submitted to Bank A" OP4 from the user terminal 30 and presses the OK button B1, the online contract conclusion unit 111 links to a site for supporting identity verification procedures managed by the banking business support system 20.

[0064] Returning to Figure 6, the identity verification procedure support unit 211 displays a bank ID login screen (P20) on the user terminal 30. The bank ID is an ID given by the bank when a bank account is opened, and is a different ID from the group's membership ID. When the user enters the user ID and password for Bank A from the user terminal 30, the identity verification procedure support unit 211 acquires the user ID and password. If the identity verification procedure support unit 211 successfully authenticates the user ID and password, it displays a screen (P21) for selecting documents to be sent to the mobile communications carrier.

[0065] FIG. 8 is a diagram showing an example of the document selection screen (P21) according to the embodiment. The document selection screen (P21) according to the embodiment displays image data of the identification documents registered when an account is opened at Bank A or when the subscriber's registration information is changed. In the display format shown in FIG. 8, the document selection screen (P21) can display up to four identification documents based on the date of registration. If two images of the same document (for example, the front and back) are registered on each date, up to eight images can be displayed.

[0066] 9(a)-(e) are diagrams showing specific examples of image data of each user's identification document stored in the identification document image data storage unit 221 of the banking business support system 20 according to an embodiment. In this embodiment, image data that can be linked to A Mobile is image data that is linked to an account that was opened at Bank A within the past three years from the date of the data linkage request from A Mobile, or an account for which the image data of the identification document has been updated within the past three years. In the example shown in FIG. 9(a)-(e), the date of the data linkage request from A Mobile is July 1, 2020.

[0067] The user's account shown in Figure 9(a) is linked to image data of the front and back of a driver's license registered on April 1, 2020. This is an example of one valid identification document that was submitted to Bank A within one year of the date of the data linking request. In this case, the document selection screen (P21) displays image data of the front and back of the driver's license registered on April 1, 2020.

[0068] The user's account shown in Figure 9(b) is linked to image data of the front and back of a driver's license registered on July 1, 2019, June 25, 2019, September 23, 2018, September 18, 2018, and June 25, 2017. This is an example of a large number of identity verification documents submitted to Bank A within three years of the request for data linkage. Bank A considers the image data of the front and back of the most recently submitted driver's license, registered on June 25, 2019, to be valid, and treats the image data of driver's licenses submitted prior to that as invalid.

[0069] The document selection screen (P21) displays image data of the front and back of the last four driver's licenses registered on July 1, 2019, image data of the front and back of the driver's licenses registered on June 25, 2019, image data of the front and back of the driver's licenses registered on September 23, 2018, and image data of the front and back of the driver's licenses registered on September 18, 2018.

[0070] The user's account shown in Figure 9(c) is linked to image data of the front and back of a driver's license registered on July 1, 2017. This is an example of one valid identity verification document that was submitted to Bank A three years prior to the date of the data linking request. The document selection screen (P21) displays image data of the front and back of the driver's license registered on July 1, 2017.

[0071] The user's account shown in Figure 9(d) is linked to image data of a utility bill receipt registered on July 1, 2019, and image data of the front and back of an insurance card registered on June 20, 2017. This is an example in which a valid utility bill receipt and insurance card were each submitted to Bank A on different dates within three years of the date of the data linkage request. The document selection screen (P21) displays image data of a utility bill receipt registered on July 1, 2019, and image data of the front and back of an insurance card registered on June 20, 2017.

[0072] The user's account shown in Figure 9(e) is linked to image data of a utility bill receipt registered on July 1, 2019, image data of a utility bill receipt registered on June 25, 2019, and image data of the front and back of an insurance card registered on June 20, 2017. The image data of the utility bill receipt registered on June 25, 2019 contained an error and was treated as invalid by Bank A. The image data of the utility bill receipt resubmitted on July 1, 2019 was treated as valid.

[0073] The Send Document Selection Screen (P21) displays image data of a utility bill receipt registered on July 1, 2019, image data of a utility bill receipt registered on June 25, 2019, and image data of the front and back of an insurance card registered on June 20, 2017. Note that if the settings are configured to not display image data of invalid identification documents on the Send Document Selection Screen (P21), the image data of a utility bill receipt registered on June 25, 2019 will not be displayed on the Send Document Selection Screen (P21).

[0074] It is also possible to display the image data of only the most recent identity verification document on the document selection screen (P21). However, in the examples shown in Figures 9(d) and 9(e), only the image data of the utility bill receipt, which is a supporting document, is displayed on the document selection screen (P21), which would not satisfy the identity verification document submission requirements required by A Mobile.

[0075] Therefore, if the data structure of the image data of the identification documents stored in the identification document image data storage unit 221 of the banking business support system 20 is used as is without any improvements, it is desirable to display the image data of multiple identification documents on the document to be sent selection screen (P21).

[0076] In the specific example of the document selection screen (P21) shown in Figure 8, the latest three identification documents are displayed: image data IM1 of the front of a driver's license registered on April 1, 2020, image data IM2 of the back of a driver's license registered on April 1, 2020, image data IM3 of the front of a health insurance card registered on July 1, 2019, and image data IM4 of an electricity bill receipt registered on June 20, 2019.

[0077] Although omitted in Figure 8, it is desirable that the document selection screen (P21) for sending documents has a link to a list of identification documents that can be accepted by A Mobile. By selecting this link, the user can display a list of identification documents that can be accepted by A Mobile. For example, this may be displayed as a pop-up screen. The types of identification documents that can be accepted may differ between Bank A and Mobile A due to differences in the policies of each entity, legal regulations, supervisory authorities, etc. The user can view the list of identification documents that can be accepted by A Mobile and confirm whether the identification document they select can be accepted by A Mobile.

[0078] When the user checks the checkboxes of the identification documents to be sent to A Mobile from the user terminal 30 and presses the send button B2, the identification procedure support unit 211 sends image data of the selected identification documents to the online contract conclusion unit 111. Note that if none of the checkboxes C1-C4 of the identification documents are checked, the send button B2 is inactive and the user cannot press the send button B2. If at least one of the checkboxes C1-C4 of the identification documents is checked, the send button B2 becomes active and the user can press the send button B2.

[0079] In the example shown in Figure 8, the user has checked the check box C1 on the front of the driver's license and the check box C2 on the back of the driver's license, so image data of the front and back of the driver's license are sent to the online contract conclusion unit 111. The check box C3 on the front of the health insurance card and the check box C4 on the electricity bill receipt are not checked, so the image data of the health insurance card and the electricity bill receipt are not sent to the online contract conclusion unit 111. If the user presses the back button B3, the screen returns to the identification document selection screen (P7a).

[0080] Returning to Figure 6, when the image data of the identity verification document is sent from the identity verification procedure support unit 211 to the online contract conclusion unit 111, the display of the identity verification document upload screen (P8) is skipped. When the identity verification procedure support unit 211 completes sending the image data of the identity verification document to the online contract conclusion unit 111, it displays a document transmission completion screen (P22). The document transmission completion screen (P22) displays an account transfer setting button. When the user presses the account transfer setting button from the user terminal 30, the account transfer setting unit 212 displays an account setting screen (P23). Note that if the account transfer setting button is not pressed and the button to proceed to telephone number selection is pressed, the account setting screen (P23) is not displayed, and the screen transitions to the telephone number selection screen (P9).

[0081] 10 is a diagram showing an example of an account setting screen (P23) according to an embodiment. The account setting screen (P23) according to an embodiment displays an input field F1 for account information (bank code, branch code, deposit type, account number, account holder) and PIN to be sent to A Mobile. If the user agrees to direct debit from Bank A as the payment method for A Mobile's usage fees, the user enters a four-digit PIN in the input field F1 from the user terminal 30 and presses the send button B4.

[0082] When a four-digit number is not entered in the PIN input field F1, the Send button B4 is inactive and the user cannot press the Send button B4. When a four-digit number is entered in the PIN input field F1, the Send button B4 becomes active and the user can press the Send button B4. When the Send button B4 is pressed, the account transfer setting unit 212 authenticates the PIN, and if the PIN authentication is successful, it sends the user's account information to the online contract conclusion unit 111. If the user presses the Back button B5, the screen returns to the document sending completion screen (P22).

[0083] Returning to Figure 6, when the account transfer setting unit 212 has completed sending the user's account information to the online contract conclusion unit 111, it displays the account setting completion screen (P24). After that, it transitions to the telephone number selection screen (P9). The display screens from page 9 P9 to page 13 P13 are the same as the display screens according to the comparative example shown in Figure 5, so their explanation will be omitted. Note that if account transfer from Bank A is set on the account setting screen (P23), the display of the payment method selection screen (P11) is skipped. Note that the document selection screen (P21) and the account setting screen (P23) may be displayed on the same page.

[0084] 11 is a flowchart showing the flow of the identity verification procedure by the business support system 1 according to the embodiment. The online contract conclusion unit 111 of the mobile communication business support system 10 displays a selection screen for the method of submitting identity verification documents on the user terminal 30 as one of the procedures for applying for a line contract plan (S10).

[0085] If the user selects "Verify with identity verification documents submitted to Bank A" from the user terminal 30 (Y in S30), the online contract conclusion unit 111 links to a site for supporting identity verification procedures managed by the banking business support system 20 (S11). The identity verification procedure support unit 211 determines whether the applicant for the line contract plan has opened an account with Bank A within the past three years (S20). If the applicant has not opened an account within the past three years (N in S20), the screen returns to the selection screen for the method of submitting identity verification documents (S30).

[0086] If the account has been opened within the past three years (Y in S20), the identity verification procedure support unit 211 reads image data of at least one identity verification document that the contract applicant submitted to Bank A when opening a bank account or when changing the contract applicant's registration information from the identity verification document image data storage unit 221, and displays the read image data on the user terminal 30 (S21).

[0087] In addition, even if a person has not opened an account with Bank A more than three years ago, if they have updated their identification documents when their registered information changed within the past three years, they may be treated the same as someone who has opened an account within the past three years.

[0088] The user selects at least one image data of the identification document displayed on the user terminal 30 (S32). The identification procedure support unit 211 transmits the selected at least one image data to the online contract conclusion unit 111 (S22). The online contract conclusion unit 111 receives the image data of the at least one image data of the identification document from the identification procedure support unit 211, and stores the received at least one image data in the identification document image data storage unit 121 (S12).

[0089] In step S30, if the user selects a submission method other than "Verify with identity verification documents already submitted to Bank A" from the user terminal 30 (N in S30), the user submits the identity verification documents to Mobile A using the existing submission method (S31).

[0090] As described above, according to this embodiment, by adding "Verify with ID document already submitted to the bank" as one of the options for submitting ID documents, it is possible to improve user convenience in the ID document submission procedure. By selecting "Verify with ID document already submitted to the bank," the user can avoid the trouble of taking a new photo of the ID document and uploading it. Furthermore, unlike when "Verify at home upon receipt" is selected, the user does not need to be at home on the scheduled delivery date and time. Furthermore, by selecting "AI ID verification (eKYC)," the user can quickly activate a mobile communication line. In this way, by presenting the user with many options, it is possible to meet the diverse needs of users.

[0091] Furthermore, in the practice of banking law, it is recommended that before the identity verification documents stored in the bank are provided to the mobile communication carrier, the bank clearly informs the user which documents will be sent and obtains consent in order to avoid misunderstandings on the user. In this embodiment, the above requirement can be met by displaying the images of the identity verification documents on the user terminal 30 and allowing the user to select the identity verification documents to be sent before sending the image data of the identity verification documents to the mobile communication business support system 10.

[0092] In addition, by recommending direct debit from Bank A as a payment method for mobile communication charges on Bank A's website before the payment method screen (which includes other payment method options) displayed on Mobile A's website, Bank A can increase the number of direct debits it acquires.

[0093] A Mobile can simplify the process of verifying identity documents. If a user has already passed the identity verification process at Bank A, the likelihood of them being fraudulent is reduced, reducing the risk of malicious users signing up with A Mobile. In addition, by limiting the identity verification documents that can be linked to those submitted within the past three years, it is possible to prevent the acceptance of identity verification documents that do not match the current address. This reduces the cumbersome administrative work that A Mobile incurs when identity verification documents are incomplete. In this way, there are benefits for both A Mobile and Bank A, contributing to the profits of the entire group to which they both belong.

[0094] The present invention has been described above based on the embodiments. The embodiments are merely examples, and it will be understood by those skilled in the art that various modifications are possible in the combination of the components and treatment processes, and that such modifications are also within the scope of the present invention.

[0095] In the above embodiment, an example has been described in which image data of an identity verification document that has already been submitted to Bank A is reused for identity verification procedures at Mobile A, which belongs to the same corporate group as Bank A. In this regard, image data of an identity verification document that has been submitted and registered when concluding a contract for a product or service related to the business of a certain business entity or when changing registered information can be reused when applying for a contract for a product or service related to the business of another business entity that belongs to the same corporate group.

[0096] The businesses from which image data of identification documents are misappropriated include the aforementioned banking, credit card, securities, insurance, and mobile communications businesses. It is desirable that the businesses from which image data of identification documents are misappropriated be in industries with strict compliance regulations. The businesses that misuse image data of identification documents include the aforementioned mobile communications, rental car, and car sharing businesses. In either case, this contributes to the expansion of the ecosystem of the entire corporate group to which those businesses belong. [Explanation of symbols]

[0097] 1 Business support system, 2 Network, 10 Mobile communication business support system, 11 Processing unit, 111 Online contract conclusion unit, 12 Memory unit, 121 Personal identification document image data storage unit, 13 Communication unit, 14 Operation unit, 15 Display unit, 16 Imaging unit, 20 Banking business support system, 21 Processing unit, 211 Personal identification procedure support unit, 212 Account transfer setting unit, 22 Memory unit, 221 Personal identification document image data storage unit, 23 Communication unit, 24 Operation unit, 25 Display unit, 30 User terminal, 31 Processing unit, 32 Memory unit, 33 Communication unit, 33a Antenna, 34 Operation unit, 35 Display unit, 36 Imaging unit.

Claims

1. A business support system that supports a first business run by a first business entity and a second business run by a second business entity, both of which belong to the same group, an online contract conclusion unit that displays a contract application screen for a product or service related to the first business that requires identity verification on a terminal device of the user connected via a network; an identity verification procedure support unit that displays, on the terminal device, a plurality of options, including confirmation using identity verification documents that have already been submitted to the second entity, on a screen for selecting a method for submitting identity verification documents, the screen being displayed as one of the contract application screens; Business support system.

2. When confirmation using the identity verification document that has already been submitted to the second business entity is selected, the identity verification procedure support unit reads image data of the identity verification document that the user submitted to the second business entity when the user concluded a contract for a product or service related to the second business or when the user changed registration information from a database managed by the second business entity, and displays the read image data on the terminal device. The business support system according to claim 1 .

3. A business support method for supporting a first business run by a first business entity and a second business run by a second business entity belonging to the same group, comprising: a step in which the business support system of the first business entity displays a contract application screen for a product or service related to the first business that requires identity verification on a terminal device of a user connected via a network; a step of displaying on the terminal device a plurality of options, including confirmation using identification documents that have already been submitted to the second entity, on a selection screen for selecting a method for submitting identification documents, the selection screen being displayed as one of the contract application screens; A business support method having the above.

4. A business support program that supports a first business run by a first business entity and a second business run by a second business entity, both of which belong to the same group, A process of displaying a contract application screen for a product or service related to the first business that requires identity verification on a terminal device of the user connected via a network; a process of displaying on the terminal device a plurality of options, including confirmation using identification documents that have already been submitted to the second entity, on a selection screen for selecting a method for submitting identification documents, the selection screen being displayed as one of the contract application screens; A business support program that causes a computer to execute the above.

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