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 Art

[0002] There are platforms that provide a number of services (such as shopping malls, mobile communications, finance, travel, e-books, free markets, etc.) on the Internet. Among the services provided by the platform, there are services (such as bank services and mobile communication services) that require users to submit identity verification documents. Conventionally, even for services provided by the same platform, users had to submit identity verification documents for each service that required the submission of identity verification documents, which was a great deal of trouble for the users. In addition, since the identity verification review on the platform side was based on or outsourced, it took a lot of man-hours for data matching.

[0003] Patent Document 1 proposes a method for opening a bank account by direct banking using a mobile terminal. In this method, users cannot confirm identity verification documents provided by the mobile phone company to the bank in image form.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Among users, when applying for a new service, there are those who want to save the trouble of taking pictures and uploading identity verification documents, those who dislike the reuse of previously submitted identity verification documents, and those who only want to confirm the content of the reused identity verification documents.

[0006] The present disclosure has been made in view of such circumstances, and one of its objectives is to provide a technology for improving the convenience of users in the procedure of submitting identification documents.

Means for Solving the Problems

[0007] In order to solve the above problems, a business support system according to an aspect of the present disclosure is a business support system for supporting the business of a first business operated by a first business entity belonging to the same group and a second business operated by a second business entity, the business support system including: an online contract conclusion unit that causes a terminal device of a user connected via a network to display a contract application screen for a product or service related to the first business that requires identity verification; and an identity verification procedure support unit that, when verification is selected using identification documents already submitted to the second business entity on a selection screen for a method of submitting identification documents, which is displayed as one of the contract application screens, reads image data of the identification documents 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 changes registration information, and causes the read image data to be displayed on the terminal device. When the image data of the identification documents displayed on the terminal device is selected by the user, 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. This business support system is a business support system for supporting the operations of a first business operated by a first business entity, and includes an online contract conclusion unit that displays, on a terminal device of a user connected via a network, a contract application screen for a product or service related to the first business that requires identity verification. As one of the contract application screens, the online contract conclusion unit displays a selection screen for the method of submitting identity verification documents. When verification is selected using identity verification documents already submitted to a second business entity belonging to the same group as the first business entity, the online contract conclusion unit cooperates with the business support system of the second business entity, and when image data of the identity verification documents submitted by the user to the second business entity at the time of concluding a contract or changing registration information for a product or service related to the second business operated by the second business entity, which is displayed by the business support system of the second business entity on the terminal device, is selected by the user, the selected image data is received from the business support system of the second business entity.

[0009] Yet another aspect of the present disclosure is a business support system. This business support system is a business support system for supporting the operations of a second business operated by a second business entity, and includes an identity verification procedure support unit that, when verification is selected using identity verification documents already submitted to the second business entity on a selection screen for the method of submitting identity verification documents, which is displayed as one of the contract application screens for a product or service related to a first business operated by a first business entity belonging to the same group as the second business entity that requires identity verification, on a terminal device of a user connected via a network, reads out, from a database managed by the second business entity, image data of the identity verification documents submitted by the user to the second business entity at the time of concluding a contract or changing registration information for a product or service related to the second business, and displays the read-out image data on the terminal device. When the image data of the identity verification documents displayed on the terminal device is selected by the user, 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. This method is a business support method for supporting the operations of a first business operated by a first business entity belonging to the same group and a second business operated by a second business entity. The method includes the steps of: displaying, on a terminal device of a user connected via a network, a contract application screen for a product or service related to the first business that requires identity verification; in a selection screen for a method of submitting identity verification documents, which is displayed as one of the contract application screens, when "verification" is selected using the identity verification documents already submitted to the second business entity, when the user concludes a contract for a product or service related to the second business or changes registration information, reading, from a database managed by the second business entity, image data of the identity verification documents submitted to the second business entity and displaying the read image data on the terminal device; and when the image data of the identity verification documents displayed on the terminal device is selected by the user, transmitting the selected image data to the business support system of the first business entity.

[0011] Note that any combination of the above components, and conversions of the expressions of the present disclosure between devices, systems, methods, computer programs, recording media storing computer programs, etc. are also effective as aspects of the present disclosure.

Advantages of the Invention

[0012] According to the present disclosure, convenience for the user can be improved in the procedure of submitting identity verification documents.

Brief Description of the Drawings

[0013]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Embodiments for Carrying Out the Invention

[0014] This embodiment relates to a business support system for supporting the operations of a plurality of business entities that each manage a plurality of services provided on the same platform. The plurality of business entities may belong to the same corporate group and be organized in a company system or in a divisional system. In this embodiment, a mobile communication business is assumed as the first business operated by the first business entity belonging to the same corporate group, and a banking business is assumed as the second business operated by the second business entity.

[0015] FIG. 1 is a block diagram showing an overall configuration for explaining 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 (for example, application servers, image storage servers, etc.) installed in the company's or an external data center and client PCs. The banking business support system 20 is a system for supporting the business of a banking carrier. The banking business support system 20 is constructed by a plurality of servers (for example, application servers, image storage servers, etc.) installed in the company's or an external data center and client PCs.

[0016] The user terminal 30 is a terminal device owned by a user that can access the network 2. For example, a smartphone, a tablet, a PC, etc. are applicable. In this embodiment, it is assumed that a user uses the user terminal 30 to access an online store directly operated by a mobile communication carrier or an online store in an online store mall, and purchases a line contract plan alone or a set of a mobile communication 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 its communication medium and protocol are not limited. As the communication medium, for example, an optical fiber network, an ADSL network, a CATV network, a mobile communication network, a wireless LAN, a wired LAN, etc. can be used. As the communication protocol, for example, TCP (Transmission Control Protocol) / IP (Internet Protocol), UDP (User Datagram Protocol) / IP, Ethernet (registered trademark), etc. can be used. It is desirable that the mobile communication business support system 10 and the banking business support system 20 are connected by a dedicated line or a VPN.

[0018] FIG. 2 is a block diagram showing a configuration example of the user terminal 30 according to the 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 the cooperation of hardware resources and software resources, or by hardware resources only. As hardware resources, 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 can be used. As software resources, programs such as an operating system, middleware, and applications can be used. The storage unit 32 has a non-volatile recording medium (for example, NAND type flash memory) and stores various programs and data.

[0020] The communication unit 33 uses the antenna 33a to execute 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). When the user terminal 30 is a PC and is connected to a router device via a LAN cable, the communication unit 33 executes signal processing compliant with Ethernet.

[0021] The operation unit 34 and the display unit 35 are configured by, for example, a touch panel display. The touch panel display detects the coordinates of the touch position touched by the user's finger, for example, by the capacitance method. The touch panel display displays the image generated by the processing unit 31, accepts the user's operation, and outputs the accepted operation content to the processing unit 31. 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 device (e.g., a CMOS (Complementary Metal Oxide Semiconductor) image sensor or a CCD (Charge Coupled Devices) image sensor). The solid-state imaging device converts the 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 for photographing identification documents and the face of the user himself / herself.

[0023] FIG. 3 is a block diagram showing a configuration example of the mobile communication service support system 10 according to the embodiment. The mobile communication service 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 the cooperation of hardware resources and software resources, or by hardware resources only. As hardware resources, a CPU, ROM, RAM, GPU, DSP, ASIC, FPGA, chipset, and other LSIs can be used. As software resources, programs such as an operating system, middleware, and applications can be used.

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

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

[0026] The operation unit 14 includes a user interface such as a keyboard, a mouse, and a touch panel, and accepts operations by the person in charge of the mobile communication carrier. The operation unit 14 outputs the received operation content to the processing unit 11. The display unit 15 includes a display such as a liquid crystal display, an organic EL display, and a mini LED display, and displays the image generated by the processing unit 11.

[0027] FIG. 4 is a block diagram showing a configuration example of the banking business support system 20 according to the embodiment. The banking business support system 20 includes a processing unit 21, a storage 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 the cooperation of hardware resources and software resources, or by hardware resources only. As the hardware resources, a CPU, a ROM, a RAM, a GPU, a DSP, an ASIC, an FPGA, a chipset, and other LSIs can be used. As the software resources, programs such as an operating system, middleware, and an application can be used.

[0028] The storage unit 22 includes an identity verification document image data holding unit 221. The storage unit 22 includes a non-volatile recording medium such as an HDD and an SSD. Note that the components of the processing unit 21 and the storage unit 22 show only the components to be focused on in the present embodiment.

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

[0030] The operation unit 24 includes a user interface such as a keyboard, a mouse, and a touch panel, and accepts operations by the person in charge of the banking business. The operation unit 24 outputs the received operation content to the processing unit 21. The display unit 25 includes a display such as a liquid crystal display, an organic EL display, and a mini LED display, and displays the image generated by the processing unit 21.

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

[0032] Note that the image data of the personal identification documents stored in the personal identification document image data storage unit 221 may include the image data obtained by digitizing the personal identification documents submitted in paper form by the user to the bank at the time of opening a bank account or changing registration information by the bank staff using a scanner. Note that the personal identification documents submitted in paper form may be digitized by OCR (Optical Character Recognition).

[0033] When the user wishes to perform an online contract procedure for a line contract plan provided by a mobile communications carrier alone or a set of a mobile communication terminal and a line contract plan, the user terminal 30 is used to access the application site managed by the mobile communication business support system 10. When the application program of the mobile communications carrier is installed in 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. When the application program of the mobile communications carrier is not installed in the user terminal 30, the processing unit 31 of the user terminal 30 accesses the application site from a web browser.

[0034] When the user terminal 30 accesses the application site, the online contract conclusion section 111 of the mobile communication service support system 10 causes the user terminal 30 to display a contract application screen for a line contract plan alone or a set of a mobile communication terminal and a line contract plan. The contract for the line contract plan is a service that requires an identity verification procedure. The online contract conclusion section 111 can obtain the operation content of the user input to the user terminal 30 via the network 2.

[0035] As one of the contract application screens, the online contract conclusion section 111 causes the user terminal 30 to display a selection screen for the method of submitting identity verification documents. When "Verify with identity verification documents already submitted to the bank" belonging to the same corporate group is selected by the user terminal 30 on the selection screen for the method of submitting identity verification documents, the online contract conclusion section 111 accesses the site for supporting the identity verification procedure managed by the banking service support system 20 and links the mobile communication service support system 10 and the banking service support system 20.

[0036] When the mobile communication service support system 10 accesses the site for supporting the identity verification procedure, the identity verification procedure support section 211 of the banking service support system 20 causes the user terminal 30 to display a screen for supporting the identity verification procedure. When the application program of the bank is installed in the user terminal 30, the processing unit 31 of the user terminal 30 may start the application program and connect to the site for supporting the identity verification procedure, or may connect to the site for supporting the identity verification procedure with a web browser. When the application program of the bank is not installed in the user terminal 30, the processing unit 31 of the user terminal 30 connects to the site for supporting the identity verification procedure with a web browser.

[0037] The personal identification procedure support section 211 reads out the image data of at least one personal identification document submitted by the user to the bank when opening a bank account or when changing the user's registration information from the personal identification document image data storage section 221, and causes the read image data to be displayed on the user terminal 30. At that time, the personal identification procedure support section 211 reads out the image data of the user's personal identification document stored in the personal identification document image data storage section 221 that has been registered within a predetermined period in the past (for example, within 3 years) since the application for the line contract plan, and causes the read image data to be displayed on the user terminal 30.

[0038] When a plurality of image data of the user's personal identification document registered within a predetermined period in the past are stored in the personal identification document image data storage section 221, the personal identification procedure support section 211 reads out a predetermined number of image data in ascending order of the date, and causes the read image data to be displayed on the user terminal 30. Note that the personal identification procedure support section 211 may display only the image data of one piece of the most recently registered personal identification document (two pieces if there is a front and a back), or may display all the image data of the personal identification documents registered within a predetermined period in the past.

[0039] The personal identification procedure support section 211 can obtain the operation content of the user input to the user terminal 30 via the network 2. When at least one piece of the image data of the personal identification document displayed on the user terminal 30 is selected by the user, the personal identification procedure support section 211 transmits the selected at least one piece of image data to the online contract conclusion section 111.

[0040] The online contract conclusion section 111 receives the image data of at least one personal identification document from the personal identification procedure support section 211, and stores the received image data of at least one piece in the personal identification document image data storage section 121. The stored image data of the personal identification document is provided for reference by the review staff of the mobile communication carrier.

[0041] The account transfer setting unit 212 can display a screen on the user terminal 30 that allows the user to select the user's own account transfer as a method for paying the usage fee of mobile communication. The account transfer setting unit 212 can obtain the operation content of the user input to the user terminal 30 via the network 2. When the user's own account transfer is selected by the user, the account transfer setting unit 212 reads out the account information of the user 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 account information of the user 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 a transition example of a contract conclusion screen of a line contract plan according to a comparative example. The online contract conclusion unit 111 displays the application top screen (P1) on the user terminal 30. When the user presses the application start button from the user terminal 30, the online contract conclusion unit 111 displays a selection screen (P2) of the line contract plan. Mobile communication carriers usually prepare a plurality of line contract plans with different monthly fees. The higher the monthly fee plan, the lower the call charge unit price or the longer the free call time. Also, the higher the monthly fee plan, the larger the available data capacity. Note that there are also mobile communication carriers that prepare only one line contract plan to simplify the fee system.

[0043] When the user selects a line contract plan from the user terminal 30, the online contract conclusion unit 111 displays a detailed screen (P3) of the selected line contract plan. Specifically, the online contract conclusion unit 111 displays a selection screen of services that can be added to the selected line contract plan. For example, it displays the availability of selection of services such as an answering machine service, a call forwarding service, an interrupt call / call hold service, an international call service, a Wi-Fi spot usage service, a smartphone operation remote support service, and a harmful site filter service. Further, a selection screen for the SIM (Subscriber Identity Module) type (for example, nanoSIM, eSIM) is displayed on the detailed screen of the line contract plan.

[0044] When the user selects and confirms the availability of each additional service and the SIM type from the user terminal 30, the selection of the line contract plan is completed, and the online contract conclusion unit 111 displays the selection screen (P4) of the mobile communication terminal. Mobile communication carriers usually prepare models of multiple terminal manufacturers as mobile communication terminals. When the user selects a mobile communication terminal from the user terminal 30, the online contract conclusion unit 111 displays the detailed screen (P5) of the selected mobile communication terminal. Specifically, the online contract conclusion unit 111 displays the color selection screen and the memory capacity selection screen of the selected mobile communication terminal. If the user does not purchase a mobile communication terminal, the display of the selection screen (P4) of the mobile communication terminal and the detailed screen (P5) of the mobile communication terminal is skipped.

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

[0046] When the online contract conclusion unit 111 successfully authenticates the user ID and password, it displays the selection screen (P7) of the identification document. In the comparative example, the user can select one from "Upload identification document image" OP1, "AI identity verification (eKYC (electronic Know Your Customer))" OP2, and "Verify at home upon receipt" OP3 (see FIG. 7 described later). Note that "Visit the store with the identification document" may be included as an option.

[0047] For identity verification documents, for example, a driver's license (both the front and back are required), a driving history certificate (both the front and back are required), a My Number card (personal number card), a certificate for persons with mental disabilities, a medical treatment certificate, a certificate for persons with physical disabilities, a health insurance card (both the front and back are required), a Japanese passport (the page with the face photo and the page for the holder's entry or emergency contact information are required), a Resident Basic Register card (both the front and back are required), a residence card (both the front and back are required), and a special permanent resident certificate (both the front and back are required) can be used.

[0048] Among these, for the certificate for persons with physical disabilities, the health insurance card, the Japanese passport, and the Resident Basic Register card, supplementary documents need to be attached. As supplementary documents, for example, a public utility bill / receipt, a resident register, and an evacuation place certificate can be used. The supplementary documents must match the applicant's name and address within three months from the date of issue.

[0049] In the "Upload Identity Verification Document Image" OP1, the user needs to take a photo of the identity verification document with the imaging unit 36 and upload the captured image to the application site of the mobile communication service support system 10 via the network 2. Note that the user can also take a photo of the identity verification document with a camera other than the imaging unit 36 of the user terminal 30 and import the captured image into the user terminal 30 using a USB cable or the like.

[0050] "AI Identity Verification (eKYC)" OP2 is an option available for users who already possess a user terminal 30 compatible with eSIM and apply for an eSIM line contract plan. In "AI Identity Verification (eKYC)" OP2, the user takes a photo of the driver's license / My Number card and their face with the imaging unit 36, and uploads the captured images of the driver's license / My Number card and the user's face image to the application site of the mobile communication service support system 10 via the network 2.

[0051] When the AI image recognition unit (not shown) of the mobile communication service support system 10 successfully matches the face of the person included in the image of the driver's license / My Number card with the face of the person included in the face image, the mobile communication service support system 10 will activate the line in about 5 minutes at the shortest from the application.

[0052] The "Confirm at home upon receipt" OP3 is a method of presenting the delivery person with the identity verification documents when receiving the product (at least one of the SIM card and the mobile communication terminal) at home. As identity verification documents that can be used when receiving at home, for example, a driver's license, My Number card (personal number card), Japanese passport, residence card, and special permanent resident certificate can be used. For a Japanese passport, additional supporting documents need to be presented. As supporting documents, for example, public utility bills, tax payment certificates, and social insurance premium receipts can be used. The supporting documents must be within 3 months from the date of issue, and the name and address must match the application details.

[0053] When "Upload identity verification document image" OP1 is selected on the identity verification document selection screen (P7), the online contract conclusion section 111 will display the identity verification document upload screen (P8). On the identity verification document upload screen (P8), a document type selection field and an image data attachment field are displayed. The user selects the document type (for example, driver's license) and attaches the image data of the photographed identity verification document to 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 shooting guide for the driver's license / My Number card and the user's face is displayed on the user terminal 30. The user takes a photo of the driver's license / My Number card and their own face according to the shooting guide.

[0055] When "Confirm at home upon receipt" OP3 is selected on the identity verification document selection screen (P7), the display of the identity verification document upload screen (P8) is skipped.

[0056] When the user confirms the completion of uploading the document image, the completion of uploading the image related to eKYC, or the "confirm at home upon receipt" OP3 is selected, the online contract conclusion section 111 displays a phone number selection screen (P9) including a plurality of phone number candidates. When the user selects and confirms the desired phone number from the plurality of phone number candidates, the online contract conclusion section 111 displays a delivery destination information screen (P10). The delivery destination 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 the contact phone number, and the like.

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

[0058] For installment payment, for example, 12 installments, 24 installments, 48 installments, etc. can be selected. In the case of lump sum payment, payment methods other than credit card / debit card or bank account transfer may be made selectable. For example, cash on delivery, convenience store payment, QR code (registered trademark) payment may be made selectable. When the user has not purchased a mobile communication terminal, the payment method screen (P11) for the mobile communication terminal is not displayed.

[0059] When the user inputs and confirms the payment information for the mobile communication terminal from the user terminal 30, the online contract conclusion section 111 displays a confirmation screen (P12) of the application content. When the user presses the confirmation button from the user terminal 30, the online contract conclusion section 111 displays a completion screen (P13) of the application. Thereby, the application procedure for the line contract plan by the user is completed.

[0060] FIG. 6 is a diagram showing an example of the transition of the contract conclusion screen of the line contract plan according to the embodiment. Since 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, the description thereof is omitted. When the authentication of the user ID and password entered on the member ID login screen (P6) is successful, the online contract conclusion unit 111 displays a selection screen (P7a) for the identity verification documents.

[0061] FIG. 7 is a diagram showing an example of the selection screen (P7a) for the identity verification documents according to the embodiment. On the selection screen (P7a) for the identity verification documents according to the embodiment, as the method for submitting the identity verification documents, four options are presented: "Upload the identity verification document image" OP1, "AI identity verification (eKYC)" OP2, "Verify at home when received" OP3, and "Verify with the identity verification documents already submitted to Bank A" OP4. Bank A is a bank belonging to the same corporate group as the mobile communication carrier (A Mobile).

[0062] "Upload the identity verification document image" OP1, "AI identity verification (eKYC)" OP2, and "Verify at home when received" OP3 are options that can also be selected on the selection screen (P7) for the identity verification documents according to the comparative example. In the embodiment, "Verify with the identity verification documents already submitted to Bank A" OP4 is newly added.

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

[0064] Return to Fig. 6. The personal identification procedure support unit 211 causes the user terminal 30 to display the login screen (P20) of the bank ID. The bank ID is an ID given by the bank at the time of opening a bank account and is a different ID from the group member ID. When the user inputs the user ID and password of Bank A from the user terminal 30, the personal identification procedure support unit 211 acquires the user ID and password. When the personal identification procedure support unit 211 succeeds in authenticating the user ID and password, it causes the document selection screen for sending to the mobile communication carrier (P21) to be displayed.

[0065] Fig. 8 is a diagram showing an example of the document selection screen for sending (P21) according to the embodiment. In the document selection screen for sending (P21) according to the embodiment, image data of the personal identification documents registered at the time of opening a Bank A account or when the contractor's registration information is changed is displayed. In the display format shown in Fig. 8, up to 4 personal identification documents can be displayed on the document selection screen for sending (P21) based on the registration date. When two images of the same document (for example, the front and back) are registered on each date, up to 8 images can be displayed.

[0066] Figs. 9(a)-(e) are diagrams showing specific examples of the image data of the personal identification documents of each user held in the personal identification document image data holding unit 221 of the banking business support system 20 according to the embodiment. In this embodiment, the image data of the personal identification documents associated with the accounts opened at Bank A within the past three years from the date of the data linkage request from A Mobile, or the accounts for which the image data of the personal identification documents has been updated within three years, is set as the image data that can be linked with A Mobile. In the examples shown in Figs. 9(a)-(e), the date of the data linkage request from A Mobile is set as July 1, 2020.

[0067] The image data of the front and back of the driver's license registered on April 1, 2020 is associated with the user's account shown in Fig. 9(a). This is an example where there is one valid personal identification document submitted to Bank A within one year from the date of the data linkage request. In this case, the image data of the front and back of the driver's license registered on April 1, 2020 is displayed on the document selection screen for sending (P21).

[0068] The user's account shown in Fig. 9(b) is associated with the front and back image data of a driver's license registered on July 1, 2019, the front and back image data of a driver's license registered on June 25, 2019, the front and back image data of a driver's license registered on September 23, 2018, the front and back image data of a driver's license registered on September 18, 2018, and the front and back image data of a driver's license registered on June 25, 2017. This is an example where a large number of identity verification documents were submitted to Bank A within three years from the date of the data linkage request. Bank A validates the front and back image data of the driver's license registered on June 25, 2019, which was the most recently submitted, and treats the image data of the driver's license submitted before that as invalid.

[0069] The front and back image data of a driver's license registered on July 1, 2019, the front and back image data of a driver's license registered on June 25, 2019, the front and back image data of a driver's license registered on September 23, 2018, and the front and back image data of a driver's license registered on September 18, 2018, for the most recent four items are displayed on the document selection screen (P21).

[0070] The user's account shown in Fig. 9(c) is associated with the front and back image data of a driver's license registered on July 1, 2017. This is an example where there is one valid identity verification document submitted to Bank A three years before the date of the data linkage request. The front and back image data of the driver's license registered on July 1, 2017, are displayed on the document selection screen (P21).

[0071] The user's account shown in Fig. 9(d) is associated with the image data of a public utility bill registered on July 1, 2019, and the front and back image data of an insurance policy registered on June 20, 2017. This is an example where a valid public utility bill and an insurance policy were submitted to Bank A on different days within three years from the date of the data linkage request. The image data of the public utility bill registered on July 1, 2019, and the front and back image data of the insurance policy registered on June 20, 2017, are displayed on the document selection screen (P21).

[0072] The user's account shown in Fig. 9(e) is associated with the image data of the public utility bill receipt registered on July 1, 2019, the image data of the public utility bill receipt registered on June 25, 2019, and the image data of the front and back sides of the insurance certificate registered on June 20, 2017. There are deficiencies in the image data of the public utility bill receipt registered on June 25, 2019, and Bank A treats it as invalid. The image data of the public utility bill receipt resubmitted on July 1, 2019, is treated as valid.

[0073] The image data of the public utility bill receipt registered on July 1, 2019, the image data of the public utility bill receipt registered on June 25, 2019, and the image data of the front and back sides of the insurance certificate registered on June 20, 2017, are displayed on the document sending selection screen (P21). If the specification is such that the image data of invalid personal identification documents is not displayed on the document sending selection screen (P21), the image data of the public utility bill receipt registered on June 25, 2019, will not be displayed on the document sending selection screen (P21).

[0074] It should be noted that it is also possible to adopt a specification where only the image data of the personal identification document for the latest one item is displayed on the document sending selection screen (P21). However, in the examples shown in Fig. 9(d) and Fig. 9(e), only the image data of the public utility bill receipt as supplementary documents will be displayed on the document sending selection screen (P21), and the requirements for submitting personal identification documents required by A Mobile cannot be met.

[0075] Therefore, when directly using the data structure of the image data of the personal identification documents held in the personal identification document image data holding unit 221 of the banking business support system 20 without improvement, it is desirable to display the image data of multiple personal identification documents on the document sending selection screen (P21).

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

[0077] Although omitted in FIG. 8, it is desirable that the document selection screen (P21) be provided with a link to a list of personal identification documents acceptable for reception on A Mobile. By selecting the link, the user can display a list of personal identification documents acceptable for reception on A Mobile. For example, it may be displayed as a pop-up screen. Due to differences in the policies of each business entity, laws and regulations, and regulatory authorities between A Bank and A Mobile, the types of acceptable personal identification documents may vary. The user can check whether the selected personal identification document can be received on A Mobile by viewing the list of personal identification documents acceptable for reception on A Mobile.

[0078] When the user checks the check boxes of the personal identification documents to be sent from the user terminal 30 to A Mobile and presses the send button B2, the personal identification procedure support unit 211 transmits the image data of the selected personal identification documents to the online contract conclusion unit 111. Note that when none of the check boxes C1 - C4 for the personal identification documents are checked, the send button B2 is in an inactive state and the user cannot press the send button B2. When at least one of the check boxes C1 - C4 for the personal 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 FIG. 8, since the user has checked the check box C1 on the front surface of the driver's license and the check box C2 on the back surface of the driver's license, the image data of the front and back surfaces of the driver's license is transmitted to the online contract conclusion unit 111. Since the check box C3 on the front surface of the health insurance card and the check box C4 on the electricity bill receipt are not checked, the image data of the health insurance card and the electricity bill receipt is not transmitted to the online contract conclusion unit 111. When the user presses the return button B3, the user returns to the selection screen (P7a) of the identification documents.

[0080] Return to FIG. 6. When the image data of the identification documents is transmitted from the identification procedure support unit 211 to the online contract conclusion unit 111, the display of the upload screen (P8) of the identification documents is skipped. When the transmission of the image data of the identification documents from the identification procedure support unit 211 to the online contract conclusion unit 111 is completed, the document sending completion screen (P22) is displayed. A bank transfer setting button is displayed on the document sending completion screen (P22). When the user presses the bank transfer setting button from the user terminal 30, the bank transfer setting unit 212 displays the bank account setting screen (P23). When the button to proceed to the selection of the phone number is pressed without pressing the bank transfer setting button, the display of the bank account setting screen (P23) is not performed, and the process transitions to the phone number selection screen (P9).

[0081] FIG. 10 is a diagram showing an example of the bank account setting screen (P23) according to the embodiment. On the bank account setting screen (P23) according to the embodiment, the account information (bank code, branch code, deposit type, account number, account holder name) to be sent to A Mobile and the input field F1 for the PIN are displayed. When the user agrees to bank transfer from A Bank as the payment method for the usage fee of A Mobile, the user inputs a 4-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 in an inactive state, 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. If the PIN authentication is successful, the account information of the user is transmitted to the online contract conclusion unit 111. When the user presses the return button B5, the user returns to the document sending completion screen (P22).

[0083] Return to FIG. 6. When the transmission of the user's account information by the account transfer setting unit 212 to the online contract conclusion unit 111 is completed, the account setting completion screen (P24) is displayed. Then, the system transitions to the phone number selection screen (P9). Since 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 FIG. 5, the description is omitted. When account transfer from Bank A is set on the account setting screen (P23), the display of the payment method selection screen (P11) is skipped. The document sending selection screen (P21) and the account setting screen (P23) may be displayed within the same page.

[0084] FIG. 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 contract application procedures for the line contract plan (S10).

[0085] When the user selects "Verify with identity verification documents already submitted to Bank A" from the user terminal 30 (Y in S30), the online contract conclusion unit 111 links to the site for supporting the identity verification procedure 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 system returns to the selection screen for the method of submitting identity verification documents (S30).

[0086] If an account has been opened within the past three years (Y in S20), the Personal Identification Procedure Support Section 211 reads at least one image data of the personal identification document(s) submitted to Bank A when the contract applicant opened the bank account or when the registration information of the contract applicant was changed, from the Personal Identification Document Image Data Retention Section 221, and causes the read image data to be displayed on the user terminal 30 (S21).

[0087] Even if the applicant has not opened an account with Bank A more than three years ago, if the applicant has updated the personal identification document(s) during the change of registration information within the past three years, the applicant may be treated in the same way as those who have opened an account within the past three years.

[0088] The user selects at least one of the image data of the personal identification document(s) displayed on the user terminal 30 (S32). The Personal Identification Procedure Support Section 211 transmits the selected at least one image data to the Online Contract Conclusion Section 111 (S22). The Online Contract Conclusion Section 111 receives at least one image data of the personal identification document(s) from the Personal Identification Procedure Support Section 211, and stores the received at least one image data in the Personal Identification Document Image Data Retention Section 121 (S12).

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

[0090] As described above, according to the present embodiment, by adding "confirmation with the identification document already submitted to the bank" as one of the options for the method of submitting the identification document, the convenience of the user can be improved in the procedure of submitting the identification document. By selecting "confirmation with the identification document already submitted to the bank", the user can omit the trouble of photographing and uploading a new identification document. Also, there is no need to stay at home at the scheduled delivery date and time as in the case of selecting "confirmation at home upon receipt". Further, by selecting "AI identity verification (eKYC)", the user can quickly activate the mobile communication line. In this way, by presenting many options to the user, various needs of the user can be met.

[0091] Also, in the practice of bank legal affairs, before the identification documents stored in the bank are provided to the mobile communication carrier, it is recommended to clearly inform the user of which documents will be sent and obtain consent so as not to mislead the user. In the present embodiment, before sending the image data of the identification document to the mobile communication service support system 10, the image of the identification document is displayed on the user terminal 30 and the user is allowed to select the identification document to be sent, thereby meeting the above requirement.

[0092] Also, on the website of Bank A, by recommending account transfer from Bank A earlier than the payment method screen (including options for other payment methods) displayed on the website of A Mobile as a method of paying the mobile communication usage fee, the number of acquired account transfers of Bank A can be increased.

[0093] On A Mobile, the procedure for verifying identification documents can be simplified. For users who have already completed the identity verification procedure at A Bank, the likelihood of them being fraudulent users decreases, and the risk of malicious users subscribing to A Mobile can be reduced. Also, by restricting the identification documents to be linked to those submitted within the past three years, it is possible to suppress the acceptance of identification documents that do not match the current address. This can reduce the cumbersome administrative work associated with incomplete identification documents on A Mobile. In this way, there are benefits for both A Mobile and A Bank, contributing to the overall profit of the group to which both belong.

[0094] As described above, the present invention has been explained based on the embodiments. The embodiments are examples, and it is understood by those skilled in the art that various modifications are possible for each of the constituent elements and combinations of each processing process, and such modifications are also within the scope of the present invention.

[0095] In the above embodiment, an example was described in which the image data of identification documents already submitted to A Bank is diverted to the identity verification procedure of A Mobile, which belongs to the same corporate group as A Bank. In this regard, the image data of identification documents submitted and registered at the time of concluding a contract for a product or service related to the business of an entity or when changing registration information can be diverted at the time of applying for a contract for a product or service related to the business of another entity belonging to the same corporate group.

[0096] The business of the entity that is the source of the diverted image data of identification documents includes the above-mentioned banking business, credit card business, securities business, insurance business, mobile communication business, etc. It is desirable that the business of the entity that is the source of the diverted image data of identification documents is, as much as possible, a business in an industry with strict compliance regulations. The business of the entity that diverts the image data of identification documents includes the above-mentioned mobile communication business, car rental business, car sharing business, etc. In any case, it contributes to the expansion of the ecosystem of the entire corporate group to which those entities belong.

Explanation of Reference Numerals

[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 holding 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 holding 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 for supporting the operations of a first business operated by a first business entity belonging to the same group and a second business operated by a second business entity, an online contract conclusion unit that displays, on a terminal device of a user connected via a network, a contract application screen for a product or service related to the first business that requires identity verification; in a selection screen for a method of submitting identity verification documents, which is displayed as one of the contract application screens, when verification is selected using identity verification documents already submitted to the second business entity, when the user concludes a contract for a product or service related to the second business or changes registered information, the identity verification document image data submitted to the second business entity is read from a database managed by the second business entity, and the read image data is displayed on the terminal device, an identity verification procedure support unit; when the image data of the identity verification document displayed on the terminal device is selected by the user, the identity verification procedure support unit transmits the selected image data to the online contract conclusion unit. A business support system.

2. The identity verification procedure support unit reads, from among the image data of the user's identity verification documents stored in the database, the image data registered within a predetermined past period since the application for a contract for a product or service related to the first business, and displays the read image data on the terminal device. The business support system according to claim 1.

3. When a plurality of image data of the user's identity verification documents are stored in the database, the identity verification procedure support unit reads a predetermined number of image data in ascending order of date and displays the read image data on the terminal device. The business support system according to claim 1 or 2.

4. The second business entity is a business entity engaged in the banking business. When the user opens a bank account with the second business entity or changes registered information, the identity verification procedure support unit displays the image data of the identity verification documents submitted to the second business entity on the terminal device. The business support system according to claim 1 or 2.

5. The first business entity is a business entity engaged in the mobile communication business. The second business entity is a business entity engaged in the banking business. The business support system is As a method for paying the usage fee of the mobile communication, a screen enabling selection of account transfer of the bank is displayed on the terminal device, and when account transfer of the bank account is selected by the user, an account transfer setting unit that transmits the user's account information to the online contract conclusion unit is further provided. The business support system according to claim 1 or 2.

6. The image data of the identity verification documents submitted to the second business entity is the image data photographed by the user and uploaded via a network to the business support system managed by the second business entity. The business support system according to claim 1 or 2.

7. A business support system for supporting the business of the first business operated by the first business entity, comprising an online contract conclusion unit that displays on a terminal device of a user connected via a network a contract application screen for a product or service related to the first business that requires identity verification, the online contract conclusion unit, as one of the contract application screens, displays a selection screen for a method of submitting identity verification documents, and when verification is selected using the identity verification documents already submitted to a second business entity belonging to the same group as the first business entity, the online contract conclusion unit cooperates with the business support system of the second business entity, when the user selects, from among the image data of the identity verification documents submitted by the user to the second business entity at the time of concluding a contract or changing registration information for a product or service related to the second business, the image data displayed on the terminal device by the business support system of the second business entity, the selected image data is received from the business support system of the second business entity. Business support system.

8. A business support system for supporting the business of the second business operated by the second business entity, in a selection screen for a method of submitting identity verification documents, which is displayed on a terminal device of a user connected via a network as one of the contract application screens for a product or service related to the first business operated by the first business entity belonging to the same group as the second business entity that requires identity verification, when verification is selected using the identity verification documents already submitted to the second business entity, at the time of concluding a contract or changing registration information for a product or service related to the second business, an identity verification procedure support unit that reads out the image data of the identity verification documents submitted by the user to the second business entity from the database managed by the second business entity and displays the read image data on the terminal device is provided. When the image data of the identity verification document displayed on the terminal device is selected by the user, the identity verification procedure support unit transmits the selected image data to the business support system of the first business entity. Business support system.

9. A business support method for supporting the operations of a first business operated by a first business entity belonging to the same group and a second business operated by a second business entity, a step in which the business support system of the first business entity causes a terminal device of a user connected via a network to display a contract application screen for a product or service related to the first business that requires identity verification; when confirmation is selected using an identity verification document already submitted to the second business entity on a selection screen for a method of submitting an identity verification document, which is displayed as one of the contract application screens, when the user concludes a contract for a product or service related to the second business or changes registration information, the business support system of the second business entity reads out the image data of the identity verification document submitted to the second business entity from a database managed by the second business entity and causes the read-out image data to be displayed on the terminal device; when the image data of the identity verification document displayed on the terminal device is selected by the user, a step in which the business support system of the second business entity transmits the selected image data to the business support system of the first business entity; A business support method having the above.

10. A business support program for supporting the operations of a first business operated by a first business entity belonging to the same group and a second business operated by a second business entity, a process for causing a terminal device of a user connected via a network to display a contract application screen for a product or service related to the first business that requires identity verification; when confirmation is selected using an identity verification document already submitted to the second business entity on a selection screen for a method of submitting an identity verification document, which is displayed as one of the contract application screens, when the user concludes a contract for a product or service related to the second business or changes registration information, a process for reading out the image data of the identity verification document submitted to the second business entity from a database managed by the second business entity and causing the read-out image data to be displayed on the terminal device; when the image data of the identity verification document displayed on the terminal device is selected by the user, a process for transmitting the selected image data to the business support system of the first business entity; A business support program that causes a computer to execute the above.

Images