Server apparatus, program, and method

Abstract

To reduce the complexity of a procedure when starting the use of a system.SOLUTION: A server device includes a reception unit that receives application information related to opening of a first account of a bank, and a transmission unit that transmits the application information received by the reception unit to a bank server.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present disclosure relates to a server device, a program, and a method. [Background technology]

[0002] Conventionally, there is known a system that generates payment data from invoice data and executes the payment of accounts payable to a bank account based on the payment data (for example, Patent Document 1). To use such a system, a user company must complete the system usage procedures and open an account by directly communicating with a bank. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2022-121375 Summary of the Invention [Problem to be solved by the invention]

[0004] However, user companies are required to enter the same information when using the system and when opening an account, which makes the procedures cumbersome. The present disclosure has been made in light of the above background, and aims to provide a server device, a program, and a method that can reduce the cumbersome procedures when starting to use the system. [Means for solving the problem]

[0005] The server device according to the present disclosure includes a reception unit that receives application information related to opening a first account at a bank, and a transmission unit that transmits the application information received by the reception unit to a bank server.

[0006] The program according to the present disclosure causes a computer to accept application information related to opening a first account at a bank and transmit the accepted application information to a bank server managed by the bank.

[0007] The method according to the present disclosure includes a computer receiving application information for opening a first account at a bank, and transmitting the received application information to a bank server managed by the bank. [Effects of the Invention]

[0008] According to the present disclosure, it is possible to reduce the complexity of procedures when starting to use the system. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 2 is a block diagram illustrating an example of a configuration of a system including a server device. [Figure 2] FIG. 2 is a block diagram illustrating an example of a hardware configuration of a server device. [Figure 3] FIG. 2 is a block diagram illustrating an example of the functions of a server device. [Figure 4] 10 is an example of a contact information input screen displayed on the operator terminal. [Figure 5] FIG. 10 is a diagram showing an example of an account opening application screen. [Figure 6A] FIG. 10 is a sequence diagram illustrating an example of processing executed by the system. [Figure 6B] FIG. 10 is a sequence diagram illustrating an example of processing executed by the system. [Figure 7] FIG. 10 is a diagram illustrating an example of an account selection screen. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. In the following description, components having the same or similar functions will be assigned the same reference numerals. Duplicate descriptions of these components may be omitted. In the following description, "XX unit" does not simply mean a physical means for realizing the function "XX," but may also mean that the function performed by the "XX unit" is realized by software. Furthermore, the function performed by one "XX unit" may be realized by two or more physical means or two or more pieces of software. Furthermore, the functions of two or more "XX units" may be realized by one physical means or one piece of software.

[0011] Furthermore, "based on YY" means "based on at least YY." In other words, it may include cases where it is based on other elements in addition to YY. Furthermore, "based on YY" is not limited to cases where YY is used directly. In other words, it may include cases where it is based on YY after some calculation or processing has been performed on it. "YY" is, for example, any information.

[0012] The server device of the present disclosure is a server that provides a predetermined service. The predetermined service is, for example, a service for managing accounts receivable. The service for managing accounts receivable is, for example, a service for extracting data such as a transfer destination from an invoice received by a user and transferring the accounts receivable to the transfer destination on a predetermined due date. That is, the user deposits money to transfer the invoice amount to the transfer destination into a bank account designated by the service provider, and the service provider transfers the invoice amount from the bank account to the transfer destination on the predetermined due date. To use the service, the user opens an account at the bank designated by the service provider. An application related to the service provided by the service provider interacts with an application related to opening a bank account via an API (Application Programming Interface) provided by the bank.

[0013] 1 is a block diagram showing an example of the configuration of a system including a server device. The system 1 includes, for example, a server device 2, an operation terminal 3, a user terminal 4, and a bank server 5. The server device 2, the operation terminal 3, the user terminal 4, and the bank server 5 are connected to each other via a network. The network N is, for example, the Internet or a wide area network (WAN).

[0014] The server device 2 is a server managed by a business that provides a predetermined service. The predetermined service is, for example, the above-mentioned service for managing accounts receivable. In other words, the business that provides the predetermined service is a business different from a bank. The business may be a corporation or an individual.

[0015] The operation terminal 3 is a terminal device managed by a business operator that provides a predetermined service. The operation terminal 3 is used, for example, by an operator belonging to the business operator to input and output various information. The operation terminal 3 is, for example, a PC (Personal Computer), a smartphone, or a tablet terminal.

[0016] The user terminal 4 is a terminal device managed by a user company that uses a specified service or a user belonging to the user company. The user is, for example, at least one of a representative and an employee of the user company that uses the specified service. Note that the employee does not necessarily have to have an employment contract with the user company that uses the specified service, and may be a person who performs work under the management of the user company. The user terminal 4 is, for example, a PC, a smartphone, or a tablet terminal.

[0017] The bank server 5 is a server managed by a bank. The bank is, for example, a bank defined by the Banking Act. The bank opens and manages accounts for user companies.

[0018] 2 is a block diagram showing an example of the hardware configuration of the server device 2. The server device 2 includes, for example, a hardware processor 201, a bus 202, a memory 203, a communication device 204, and an input / output interface 205.

[0019] The hardware processor 201 is, for example, a processor that uses a system program to control the entire server device 2. The hardware processor 201 reads, for example, a system program stored in the memory 203. The hardware processor 201 is, for example, a CPU (Central Processing Unit), an electronic circuit, or the like.

[0020] The bus 202 is a communication path that connects the various pieces of hardware in the server device 2. The various pieces of hardware in the server device 2 exchange data via the bus 202.

[0021] The memory 203 is a storage device that stores system programs, various programs, various data, etc. The memory 203 is a computer-readable storage medium. The memory 203 includes, for example, a read-only memory (ROM), a random access memory (RAM), and a solid-state drive (SSD).

[0022] The communication device 204 is a device for communicating between the server device 2 and other devices constituting the system 1 via the network N. The communication device 204 includes, for example, a communication control circuit and an antenna.

[0023] The input / output interface 205 is an interface for connecting an external device to the server device 2. The external device is, for example, an input / output device, which includes, for example, a monitor, a keyboard, a mouse, and the like.

[0024] The hardware configurations of the operation terminal 3, the user terminal 4, and the bank server 5 may be the same as or different from the hardware configuration of the server device 2. That is, the operation terminal 3, the user terminal 4, and the bank server 5 may each include a hardware processor, a bus, a memory, a communication device, and an input / output interface.

[0025] 3 is a block diagram showing an example of the functions of the server device 2. The server device 2 includes, for example, a reception unit 211, a storage unit 212, a calculation unit 213, and a transmission unit 214. The reception unit 211, the calculation unit 213, and the transmission unit 214 are realized, for example, by the hardware processor 201 performing calculation processing using a system program, various programs, and various data stored in the memory 203. The storage unit 212 is realized, for example, by storing various data in the memory 203.

[0026] The reception unit 211 receives, for example, contact information of a user from the operation terminal 3. The contact information is, for example, an email address of a representative or employee of a user company. For example, a sales representative belonging to a business providing a predetermined service negotiates with a user regarding a contract for the provision of the predetermined service and obtains the user's contact information. When a contract for the provision of the predetermined service is concluded, the sales representative uses a contact information input screen displayed on the operation terminal 3 to input the user's contact information.

[0027] FIG. 4 is an example of a contact information input screen displayed on the operation terminal 3. The input screen displays the character string "Open a new account." The input screen also displays an input field for entering the recipient's email address. The input screen also displays a send button for sending an invitation email to the recipient. The send button displays the character string "Send invitation." For example, when a sales representative enters a user's email address in the input field and clicks the send button, information indicating the user's email address is sent from the operation terminal 3 to the server device 2.

[0028] When the contact information is transmitted from the operation terminal 3 to the server device 2, the reception unit 211 receives the user's contact information. The reception unit 211 receives the contact information before receiving application information, which will be described later.

[0029] The storage unit 212 stores the contact information received by the reception unit 211. The storage unit 212 stores the contact information in association with the user's identification information, for example.

[0030] When the memory unit 212 stores the contact information, the calculation unit 213 generates acceptance information. The acceptance information is information that the server device 2 uses to accept an application for opening an account. In other words, it is information that enables a user to access the server device 2 to apply for opening an account. The acceptance information includes, for example, a uniform resource locator (URL) that enables a user to access an account opening application screen provided by the server device 2, and a password to be entered.

[0031] When the calculation unit 213 generates the reception information, the transmission unit 214 transmits the reception information to the user terminal 4. The destination of the reception information is the email address indicated in the contact information. The transmission unit 214 may transmit the reception information to the user terminal 4 via a mail server used by the user. That is, the user terminal 4 may receive the reception information by accessing the mail server. For example, a URL is displayed on the monitor by the user operating the user terminal 4, and an account opening application screen is displayed on the monitor by clicking on the URL and entering a password. That is, when the user clicks on the URL and enters a password, the transmission unit 214 transmits application screen information for displaying the account opening application screen to the user terminal 4. The application screen information transmitted by the transmission unit 214 may include contact information stored in the storage unit 212. The significance of including contact information in the application screen information will be described later.

[0032] FIG. 5 is a diagram showing an example of an account opening application screen. The account opening application screen is a screen for inputting application information related to opening a first bank account. A first account is an account at a bank that a user applies to open. A first account is a corporate account. When a user applies to open an account other than the first account, that account is referred to as a second account. Hereinafter, accounts opened in a similar manner will be referred to as a third account, etc.

[0033] The account opening application screen includes, for example, a "Company Name" input field for entering the user company's company name and a "Phone Number" input field for entering the user company's phone number. It also includes a selection field for allowing the user entering information on the account opening application screen to select an answer to a question about whether or not the user is the representative of the user company. For example, the text "Are you the representative of the applying company?" is displayed near the selection field.

[0034] The account opening application screen also displays a "Last Name" input field and a "First Name" input field for entering the name of the user company's representative, as well as a "Representative's Email Address" input field for entering the representative's email address. The account opening application screen also displays a "Last Name" input field and a "First Name" input field for entering the name of the user making entries on the account opening application screen, as well as a "Your Email Address" input field for entering the user's email address. The account opening application screen is not limited to this information, and may also include an input field for a PIN to be set, an input field for the user company's date of establishment, and the like.

[0035] As described above, the application screen information for displaying the account opening application screen may include the user's contact information. If the application screen information includes contact information, the user's email address is pre-entered in the "Your Email Address" input field on the account opening application screen. This allows the server device 2 to save the user the trouble of having to enter their email address on the account opening application screen.

[0036] The user terminal 4 accepts input of application information related to opening a first bank account. That is, the user terminal 4 accepts input of application information to be entered into an account opening application screen. The application information related to opening a first account includes at least first information and second information different from the first information. The first information and second information are any of the information entered into the account opening application screen. The first information is, for example, the company name of the user company. The second information is, for example, the telephone number of the user company.

[0037] When the user terminal 4 accepts the input of application information, it transmits the application information to the server device 2. The user terminal 4 transmits the input application information to the server device 2 each time application information is input into each input field. For example, when first information is input into the account opening application screen, the user terminal 4 transmits the first information to the server device 2 before second information is input into the account opening application screen. Furthermore, when second information is input into the account opening application screen, the user terminal 4 transmits the second information to the server device 2 before other information different from the second information is input into the account opening application screen. Note that if the account opening application screen is made up of multiple pages, the user terminal 4 may transmit all of the application information input on one page of the account opening application screen to the server device 2 each time application information is input into all input fields included in that page. In other words, the user terminal 4 may transmit the application information to the server device 2 each time input into the input fields on each page is completed.

[0038] When application information is transmitted from the user terminal 4, the reception unit 211 receives the application information. When first information is transmitted from the user terminal 4, the reception unit 211 receives the first information. When second information is transmitted from the user terminal 4, the reception unit 211 receives the second information.

[0039] When the receiving unit 211 receives application information, the storage unit 212 stores the application information. When the receiving unit 211 receives the first information, the storage unit 212 stores the first information. When the receiving unit 211 receives the second information, the storage unit 212 stores the second information.

[0040] The transmission unit 214 transmits the application information received by the reception unit 211 and stored in the storage unit 212 to the bank server 5. In other words, the transmission unit 214 transmits the application information for opening a first account input through the account opening application screen of the user terminal 4 to the bank server 5.

[0041] The bank server 5 accepts the application information when the server device 2 transmits the application information. Upon accepting the application information, the bank server 5 stores the application information in a predetermined memory.

[0042] Next, the bank server 5 transmits application completion information to the server device 2. The application completion information includes, for example, information indicating that the application procedure for opening an account has been completed and information indicating the account opening application number. The account opening application number is a number used to identify each application procedure for opening an account.

[0043] The reception unit 211 of the server device 2 receives the application completion information when it is transmitted from the bank server 5. Furthermore, the storage unit 212 stores the application completion information when the reception unit 211 receives the application completion information. Furthermore, when the storage unit 212 stores the application completion information, the transmission unit 214 transmits the application completion information to the user terminal 4. As a result, the user terminal 4 displays the application completion information on the monitor based on the user's operation, allowing the user to confirm that the account opening application procedure has been completed.

[0044] When the application procedure for opening an account for the user company is completed, the bank performs an identity verification procedure for, for example, the user company and / or the user company's representative. The identity verification procedure is a procedure for verifying, for example, whether the company related to the account opening application is an actual company, and whether the user who applied to open the account is an actual person. The identity verification procedure is performed, for example, using an electronic identity verification system. When the bank confirms that there are no problems with the identity verification procedure, the bank opens a first account for the user company.

[0045] 6A and 6B are sequence diagrams showing an example of processing executed by the system 1. As described above, for example, when a service contract for a given service is concluded between a business providing the service and a user company, an operator of the business providing the service inputs the user's contact information into the operation terminal 3. That is, the operation terminal 3 accepts input of the user company's contact information (step S101). Next, the operation terminal 3 transmits the accepted contact information to the server device 2 (step S102).

[0046] When the contact information is sent from the operation terminal 3, the server device 2 accepts the contact information (step S103) and stores the contact information in the memory 203 or the like (step S104). Next, the server device 2 generates acceptance information (step S105) and transmits the generated acceptance information to the user terminal 4 (step S106). When the user terminal 4 receives the acceptance information, the user terminal 4 accesses the page indicated by the URL included in the acceptance information and displays an account opening application screen on the monitor. That is, the server device 2 transmits application screen information to the user terminal 4 (step S107), and the user terminal 4 displays the account opening application screen on the monitor.

[0047] Next, the user terminal 4 displays an account opening application screen and accepts input of application information (step S108). As described above, the application information is information such as a company name and a telephone number. Upon accepting the input of the application information, the user terminal 4 transmits the application information to the server device 2 (step S109).

[0048] When the user terminal 4 transmits the application information, the server device 2 accepts the application information (step S110) and stores the application information in the memory 203 or the like (step S111). After storing the application information in the memory 203, the server device 2 transmits the application information to the bank server 5 (step S112).

[0049] When the application information is transmitted by the server device 2, the bank server 5 accepts the application information (step S113) and stores the application information in a predetermined memory (step S114). After storing the application information in the predetermined memory, the bank server 5 transmits application completion information to the server device 2 (step S115).

[0050] When the bank server 5 transmits the application completion information, the server device 2 accepts the application completion information (step S116) and stores the application completion information in a predetermined memory 203 (step S117). After storing the application completion information in the predetermined memory 203, the server device 2 transmits the application completion information to the user terminal 4. This completes the application procedure for opening an account with the user company.

[0051] As described above, once the application procedure for opening an account for the user company is completed, the bank performs identity verification procedures, and then the bank opens an account for the user company. Once the account for the user company is opened at the bank, the bank server 5 transmits information indicating the account number of the user company's account to the server device 2. Upon receiving the account number of the user company's account, the server device 2 associates the user's contact information with the account number and stores them in the specified memory 203. In other words, the storage unit 212 stores the user's contact information with the account number of the user company's account in association with each other.

[0052] The server device 2 may accept application procedures for multiple company accounts from a single user. For example, a person in charge of company A, which belongs to a certain company group, may open accounts for companies B and C, which are also part of the same company group. In this case, account information for the multiple accounts is stored in association with one contact information for the person in charge of opening the accounts. The account information is information included in the application information, such as the account number and company name. If the multiple accounts include a first account and a second account different from the first account, the storage unit 212 stores the contact information in association with the first account information for the first account and the second account information for the second account. In this case, when a user logs in to the system 1, an account selection screen for selecting one of the multiple accounts is displayed on the monitor.

[0053] FIG. 7 is a diagram showing an example of an account selection screen displayed on the monitor of a terminal device. The account selection screen displays an account selection field along with the text "Please select the account to log in to." The account selection field is a drop-down list. For example, if account information for "ABCD Co., Ltd." and account information for "EFGH Co., Ltd." are associated with one contact, when the account selection field is selected, "ABCD Co., Ltd." and "EFGH Co., Ltd." are displayed side by side. This allows the person in charge to select an account and log in.

[0054] In the above-described embodiment, information about the corporation, such as the name of the representative and the company's founding date, is entered by the user on the account opening application screen. However, the information about the corporation may also be acquired from an external server. In this case, the server device 2 further includes an acquisition unit, and the application information includes name information indicating the name of the corporation, and the acquisition unit acquires the information about the corporation based on the name information. For example, the acquisition unit accesses a database that stores corporate information and acquires the corporate information based on the name information indicating the company name. The corporate information acquired by the acquisition unit is automatically entered into the input fields for each item on the account opening application screen. This allows the server device 2 to reduce the burden on the user of entering corporate information into each input field on the account opening application screen.

[0055] As described above, the server device 2 includes the reception unit 211 that receives application information related to opening a first bank account, and the transmission unit 214 that transmits the application information received by the reception unit 211 to the bank server 5. Therefore, the server device 2 can reduce the complexity of procedures when starting to use the system 1. Specifically, because the transmission unit 214 transmits the application information to the bank server 5, it is possible to reduce the burden on the user of directly interacting with the bank to open an account along with the procedure for starting to use the service.

[0056] Moreover, server device 2 further includes a storage unit 212, where reception unit 211 receives contact information before receiving application information, storage unit 212 stores the contact information received by reception unit 211, and transmission unit 214 transmits the contact information stored in storage unit 212 to user terminal 4. Therefore, server device 2 can reduce the burden on the user of inputting contact information on the account opening application screen.

[0057] The server device 2 further includes a storage unit 212, which stores the contact information, first account information related to the first account, and second account information related to a second account different from the first account, in association with each other. This allows the user to manage multiple accounts in association with one piece of contact information.

[0058] The server device 2 further includes a storage unit 212, and the application information includes first information and second information different from the first information. The storage unit 212 stores the first information in response to the reception unit 211 receiving the first information, and stores the second information in response to the reception unit 211 receiving the second information. That is, the server device 2 receives and stores the input information each time information is input into each field on the account opening application screen. This allows the server device 2 to record up to which fields of application information the user has input on the account opening application screen. For example, a sales representative belonging to a business providing a predetermined service can use the operation terminal 3 to check up to which point the user has input information into multiple input fields on the account opening application screen before abandoning the account opening application.

[0059] Furthermore, the first account is a corporate account, and therefore the server device 2 can reduce the burden on the user associated with opening a corporate account.

[0060] The application information also includes name information indicating the name of the corporation, and the acquisition unit acquires information about the corporation based on the name information, which allows the server device 2 to automatically input information about the corporation on the account opening application screen.

[0061] Although the present disclosure has been described in detail, the present disclosure is not limited to the individual embodiments described above. Various additions, substitutions, modifications, partial deletions, etc. are possible to these embodiments without departing from the gist of the present disclosure or the gist of the present disclosure derived from the content of the claims and their equivalents. Furthermore, these embodiments can also be implemented in combination. [Explanation of symbols]

[0062] 1 System 2. Server device 201 Hardware Processor 202 Bus 203 memory 204 Communication equipment 205 Input / Output Interface 211 Reception 212 Storage section 213 Arithmetic section 214 Transmitter 3. Operation terminal 4. User terminal 5. Bank Server

Claims

1. a reception unit that receives application information related to opening a first account at the bank; a transmitting unit that transmits the application information received by the receiving unit to a bank server; A server device comprising:

2. Further comprising a storage unit, the reception unit receives contact information before receiving the application information, the storage unit stores the contact information received by the reception unit; The server device according to claim 1 , wherein the transmission unit transmits the contact information stored in the storage unit to a user terminal.

3. Further comprising a storage unit, The server device according to claim 1 , wherein the storage unit stores contact information in association with first account information relating to the first account and second account information relating to a second account different from the first account.

4. Further comprising a storage unit, the application information includes first information and second information different from the first information, 2. The server device according to claim 1, wherein the storage unit stores the first information in response to the reception unit receiving the first information, and stores the second information in response to the reception unit receiving the second information.

5. The server device according to claim 1 , wherein the first account is a corporate account.

6. further comprising an acquisition unit; The application information includes name information indicating the name of the corporation, The server device according to claim 1 , wherein the acquisition unit acquires information about the corporation based on the name information.

7. accepting application information for opening a first account at the bank; transmitting the received application information to a bank server managed by the bank; A program that causes a computer to execute the following.

8. a computer receiving application information for opening a first account at the bank; transmitting the received application information to a bank server managed by the bank; A method comprising:

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