Information processing system and computer program

Abstract

To provide a financial institution function immediately on application software of various services installed in a user terminal used by a user by linking user information between a financial institution system and a business operator system that provides various services.SOLUTION: An information processing system includes: a display screen control unit configured to display a financial-institution-function use request reception screen on a display screen of a user terminal used by a user of a business operator affiliated with a financial institution; and a login status management unit configured to receive a use request pertaining to a financial institution function from the user terminal and set a login status to a financial institution system in accordance with the opening state of a financial institution account. When the login status is set so that financial institution account opening procedure information constituting information about users of the financial institution is already linked between the financial institution system and a business operator system, the display screen control unit causes the display screen to transition from the financial-institution-function use request reception screen to a financial institution function screen.SELECTED DRAWING: Figure 4

Description

[Technical Field]

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

[0002] There is a demand for proposals for a system that links user information between financial institution systems managed by financial institutions and provider systems managed by providers that provide various services, and allows users to use financial institution functions on application software related to the provider's various services that are installed on the user terminals they use.

[0003] For example, there is a demand for a system that allows users to access the functions of typical financial institution systems, such as loan application functions and ATM functions, by logging in to a service related to application software provided by a business partnering with the financial institution.

[0004] To realize such a system, it is necessary to link the user's account number registered in the financial institution system and the financial institution user's unique ID directly linked to it with the user's membership number registered in the business operator's system and the business operator's unique ID directly linked to it.

[0005] If the above linking process is performed at any time, the number of IDs on both systems will be large, which will cause problems with matching data between the databases of the two systems. Therefore, batch processing to match data may be performed during the nighttime hours when users are less likely to operate their devices. Summary of the Invention [Problem to be solved by the invention]

[0006] When batch processing is performed to cross-check one day's worth of data, both systems operate stably, but the data in the above-mentioned business system is only updated once a day.As a result, for example, if a user obtains a new membership number and tries to purchase a product at a store operated by the above-mentioned business, not only will they not have an account with the financial institution at that time, but even if they have an account, the account number (financial institution user-unique ID) and the membership number (business user-unique ID) will not be linked at the time the membership number is obtained, and they will not be able to use the financial institution system's functions, such as paying for products from their financial institution account, until batch processing is performed.

[0007] The purpose of this invention is to link user information between a financial institution system managed by a financial institution and an operator system managed by an operator that provides various services, and to instantly provide the functions of the financial institution system on application software related to various services installed on the user terminal used by the user. [Means for solving the problem]

[0008] [1] An information processing system that provides financial institution functions provided in a financial institution system managed by a financial institution to a user terminal used by a user of the affiliated business through an affiliated business system managed by the financial institution, a display screen control unit that displays a financial institution function usage request acceptance screen on a display screen of the user terminal; From the user terminal of Request to use financial institution functions of Reception At the same time, the status of collaboration of information about users of the financial institution between the financial institution system and the partner business system a login status management unit that sets a login status to the financial institution system in response to the The information about the user of the financial institution includes financial institution account opening procedure information generated in the financial institution system based on financial institution account opening application information including an affiliated business user ID entered by the user terminal, and the financial institution account opening procedure information is linked to the affiliated business system in real time as soon as it is generated; the login status management unit, in conjunction with the linking of the financial institution account opening procedure information, sets a login status indicating that the financial institution account opening procedure information has been linked to the partner business system to the partner business user ID; Or, When the financial institution account opening procedure information is not linked, the login status management unit sets a login status indicating that the financial institution account opening procedure information is not linked to the affiliated business system to the affiliated business user ID, The login status is The above link has been established When the setting is made, the display screen control unit transitions the display screen from the financial institution function use request acceptance screen to the financial institution function screen. An information processing system comprising: [Effects of the Invention]

[0009] According to this invention, user information is linked between a financial institution system managed by a financial institution and an operator system managed by an operator that provides various services, and the functions of the financial institution system can be instantly provided on application software related to various services installed on the user terminal used by the user. [Brief explanation of the drawings]

[0010] [Figure 1] FIG. 1 is a diagram illustrating an example of the configuration of an information processing system according to an embodiment of the present invention. [Figure 2] FIG. 1A is a diagram showing an example of the software configuration of a user terminal included in the information processing system of this embodiment; and FIG. 1B is a diagram showing an example of the software configuration of a partner business system. [Figure 3] FIG. 1 is a diagram illustrating an example of the software configuration of a financial institution system included in the information processing system of this embodiment. [Figure 4] 1A and 1B are diagrams each showing an example of a display screen of a user terminal in the information processing system according to the present embodiment. [Figure 5] FIG. 10 is a diagram illustrating another example of the display screen of the user terminal in the information processing system according to the present embodiment. [Figure 6] 10A and 10B are diagrams illustrating other examples of the display screen of the user terminal in the information processing system according to the present embodiment. [Figure 7] 10A and 10B are diagrams illustrating other examples of the display screen of the user terminal in the information processing system according to the present embodiment. [Figure 8] FIG. 2 is a flowchart illustrating an example of processing of the information processing system according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0011] An example of an embodiment of the present invention will be described below with reference to the accompanying drawings. An information processing system 1 of this embodiment is composed of one or more computers and is used to provide services handled by a financial institution to users who have opened accounts with the financial institution through application software provided by a service provider affiliated with the financial institution.

[0012] In one embodiment, this is an information processing system that links financial institution user information about users of the financial institution with affiliated business user information about users of the affiliated business between a financial institution system managed by a financial institution such as a city bank or a so-called online bank that conducts banking services over the Internet, and an affiliated business system managed by an affiliated business such as a department store or retail store that is affiliated with the financial institution, and allows users of the affiliated business to use the financial institution functions provided by the financial institution system through application software (hereinafter simply referred to as an "app") related to the affiliated business system that is installed on user terminals used by users of the affiliated business.

[0013] Such an information processing system is provided and managed by a financial institution in cooperation with a partner business using one or more computers.

[0014] In one embodiment, an information processing system can be constructed between a financial institution system built by a financial institution on a communication network and an affiliated business system built by an affiliated business on a communication network, in a form that manages the login process to the financial institution system through an app executed on a user terminal and provides the financial institution functions to the user terminal.

[0015] In the form shown in Figure 1, the information processing system 1 is constructed by connecting a user terminal 2 used by a user, an affiliated business system 3 managed by an affiliated business that is affiliated with the financial institution, and a financial institution system 4 managed by the financial institution so that they can communicate with each other via a communication network 5 that includes an Internet communication network and a wireless communication network defined by wireless communication standards.

[0016] This embodiment includes a computer program for causing a computer to function as the information processing system 1 described in this embodiment.

[0017] [User device] The user terminal 2 is a terminal used by a user who is registered in the affiliated business system 3 as a member of the affiliated business, and is a terminal such as a smartphone or tablet.

[0018] Although not shown, the user terminal 2 has, as its hardware configuration, a CPU that executes various computer programs and performs arithmetic processing, memories such as RAM and ROM that store various data, auxiliary storage devices such as internal storage, an information output device such as an LCD display, an information input device such as a touch panel, a communication module that transmits and receives various information to and from each of the affiliated business system 3 and the financial institution system 4 via the communication network 5, and a WEBVIEW function that displays web pages provided by the financial institution system 4 on the app. In addition, application software (affiliated business app) that can execute various functions provided by the affiliated business system 3 is installed on the user terminal 2, and information processing by the information processing system 1 of this embodiment is performed by activating this application software.

[0019] As shown in FIG. 2(a), the user terminal 2 includes a storage unit 21 and a display screen control unit 24 as software components.

[0020] The storage unit 21 stores the partner business application 22 and authentication information 23 . The display screen control unit 24 controls the transition process of the display screen of the user terminal 2. As an example, when the partner business application 22 is executed, the user terminal 2 functions as a financial institution function use acceptance unit, and the display screen control unit 24 displays a screen for accepting a request to use the financial institution function. In this embodiment, for example, an access destination for using the financial institution function, such as that shown in FIG. 4(a), is displayed.

[0021] Furthermore, in response to a user operation on the above-mentioned financial institution function usage request acceptance screen, the display screen control unit 24 transitions the display screen to a financial institution account opening application acceptance screen. In this embodiment, as an example, the display screen transitions to a screen displaying "Open Account" and "Login" for accepting applications to open a financial institution account as shown in Fig. 5, and when "Open Account" is selected, the display screen transitions to a financial institution account opening setting screen as shown in Fig. 6(a).

[0022] The authentication information 23 is information indicating the completion of FIDO authentication registration of the user terminal 2 for access to the financial institution system 4 by the authentication processing unit 43 of the financial institution system 4, and is written to the affiliated business application 22 together with a predetermined identifier.

[0023] [Partnership system] The affiliated business system 3 is a system constructed by an affiliated business that is affiliated with a financial institution, using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers.

[0024] Although not shown, the computers and servers that make up the affiliated business system 3 have a hardware configuration including a CPU that executes various computer programs and performs arithmetic processing, memory such as RAM and ROM that stores various data, auxiliary storage devices such as internal storage, information output devices such as LCD displays, information input devices such as touch panels, and communication modules that send and receive various information to and from the user terminals 2 and financial institution system 4 via the communication network 5. The server may be composed of one or more devices, or may be a server realized on the cloud.

[0025] The server constituting the partner business system 3 includes a data link processing unit 31, a login status management unit 32, and a storage unit 33 as software components, as shown in FIG. 2(b).

[0026] The data linking processing unit 31 performs information linking processing with the financial institution system 4. In this embodiment, affiliated business user information 33a is linked to the financial institution system 4, and financial institution account opening procedure information 45b, financial institution account information 45c, and login history information 45d are linked from the financial institution system 4.

[0027] The login status management unit 32 performs processing to set the login status to the financial institution system 4 for each affiliated business user ID.

[0028] In this embodiment, the following login status setting process is performed depending on the status of cooperation of various types of information with the financial institution system 4.

[0029] Primary login status This indicates that the financial institution account opening procedure information 45b has been linked between the financial institution system 4 and the affiliated business system 3. In this embodiment, the data linkage processing unit 31 receives the financial institution account opening procedure information 45b in real time from the financial institution system 4, and the login status management unit 32 determines that a financial institution account has been opened for the affiliated business user ID related to the request to use the financial institution function, or that the application for opening a financial institution account is currently under review, and performs processing to set a first login status for the affiliated business user ID related to the request to use the financial institution function. The set login status is associated with the affiliated business user ID and stored in the storage unit 33 as affiliated business user information 33a.

[0030] Secondary login status This indicates that the financial institution account opening procedure information 45b is not yet linked between the financial institution system 4 and the affiliated business system 3, that is, the application for the financial institution account and the completion of the opening have not been detected. In this embodiment, if the data linkage processing unit 31 has not received linkage of financial institution account opening procedure information 45b from the financial institution system 4, the login status management unit 32 determines that an application for opening a financial institution account for the affiliated business user ID related to the request to use the financial institution function has not been made, has been canceled, or has been rejected, and performs processing to set a second login status for the affiliated business user ID related to the request to use the financial institution function. The set login status is associated with the affiliated business user ID and stored in the storage unit 33 as affiliated business user information 33a.

[0031] Furthermore, the login status management unit 32 performs processing to check the login status to the financial institution system 4 for each affiliated business user ID.

[0032] In this embodiment, the user terminal 2 functions as a financial institution through the partner business application 22. use It functions as a reception means, and receives a request to use a financial institution function through user operation on the financial institution function use request reception screen displayed by the display screen control unit 24, and performs a process of confirming the first login status or second login status set depending on the status of opening a financial institution account for the affiliated business user ID related to the user by referring to the affiliated business information 33a stored in the memory unit 33.

[0033] The storage unit 33 stores affiliated business user information 33a, financial institution account opening procedure information 45b, financial institution account information 45c, and login history information 45d.

[0034] The affiliated business user information 33a is the affiliated business user ID and its login status registered in the affiliated business system 3 as a member of the affiliated business, and the above affiliated business user ID is information that is sequentially linked to the financial institution system 4 each time a request to use the above financial institution function is made.

[0035] The financial institution account opening procedure information 45b, financial institution account information 45c, and login history information 45d are each information linked from the financial institution system 4. Of these, the financial institution account opening procedure information 45b is linked in real time, and the financial institution account information 45c and login history information 45d are linked by daily batch processing.

[0036] [Financial institution system] The financial institution system 4 is a system constructed by a financial institution using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers.

[0037] Although not shown, the computers and servers that make up the financial institution system 4 have a hardware configuration including a CPU that executes various computer programs and performs arithmetic processing, memory such as RAM and ROM that stores various data, auxiliary storage devices such as internal storage, information output devices such as LCD displays, information input devices such as touch panels, and communication modules that send and receive various information to and from the user terminals 2 and the affiliated business system 3 via the communication network 5. The server may also be composed of one or more devices, or may be a server realized on the cloud.

[0038] The server constituting the financial institution system 4 includes a financial institution account opening procedure management unit 41, a data linkage processing unit 42, an authentication processing unit 43, and a storage unit 44 as software configurations, as shown in FIG.

[0039] The financial institution account opening procedure management unit 41 manages the financial institution account opening procedure for each affiliated business user ID.

[0040] In this embodiment, the financial institution account opening procedure management unit 41 accepts financial institution account opening application information on the above-mentioned financial institution account opening setting screen displayed on the display screen by the display screen control unit 24 of the user terminal 2. As an example, when "Open an account" is selected by a user operation on the financial institution account opening application acceptance screen shown in Figure 5, the display screen control unit 24 transitions the display screen to the financial institution account opening setting screen as shown in Figure 6(a). On the financial institution account opening setting screen, the user enters financial institution account opening application information required to create an account to be registered in the financial institution system 4, such as the user's name, address, date of birth, telephone number, email address, and affiliated business user ID, and the financial institution account opening procedure management unit 41 acquires the financial institution account opening application information.

[0041] entered Financial institution account opening application information Among these, the partner business user ID is stored as partner business user information 33a in the storage unit 44. In addition, the input financial institution account opening application information is associated with the partner business user ID and stored in the storage unit 44 as financial institution account opening procedure information 45b.

[0042] The financial institution account opening procedure management unit 41 generates financial institution account opening application completion information, such as a financial institution account opening application receipt number linked to the affiliated business user ID, based on the financial institution account opening application information entered on the financial institution account opening settings screen, and stores the information as financial institution account opening procedure information 45b in the storage unit 44. The financial institution account opening procedure information 45b is immediately linked to the affiliated business system 3 by the data linkage processing unit 42 via the affiliated business app 22, and the display screen of the user terminal 2 displays the financial institution account opening application receipt number linked to the affiliated business user ID related to the affiliated business user information 33a, as shown in Figure 6(b).

[0043] In the affiliated business system 3, when financial institution account opening procedure information 45b is linked from the financial institution system 4, the login status management unit 32 performs a process to change the second login status setting set for the affiliated business user ID related to the request to use the above-mentioned financial institution function to the first login status.

[0044] Furthermore, the financial institution account opening procedure management unit 41 performs an examination process for the financial institution account opening application related to the above-mentioned financial institution account opening application information. Once the examination is completed, the financial institution account opening procedure management unit 41 performs a process for generating financial institution user information 45a and financial institution account information 45c. The financial institution user information 45a is a newly set financial institution user ID. The financial institution account information 45c is information related to the user's financial institution account, and includes, for example, the account number and account information linked to the above-mentioned financial institution user ID, and the financial institution account opening application examination completion status. The financial institution account information 45c is automatically linked to the affiliated business system 3 by batch processing, for example, once a day at 3:00 a.m. when data usage is low.

[0045] The data linking processing unit 42 performs information linking processing with the affiliated business system 3. In this embodiment, as described above, financial institution account opening procedure information 45b is linked to the affiliated business system 3 in real time via the affiliated business app 22, financial institution account information 45c and login history information 45d are linked by daily batch processing, and affiliated business user information 33a is linked from the affiliated business system 3 in real time.

[0046] The authentication processing unit 43 manages the login authentication of the user terminal 2 to the financial institution system 4 .

[0047] In this embodiment, the login authentication process is performed in the following situations: Note that although various authentication process methods can be adopted, in this embodiment, the login authentication process is performed using FIDO authentication.

[0048] A situation in which the first login status is set in a request to use a financial institution function from a user, and authentication information 23 is stored in the storage unit 21 of the user terminal 2. In this case, the display screen control unit 24 of the user terminal 2 performs processing to transition the display screen of the user terminal 2 from the financial institution function usage request acceptance screen to the financial institution function screen after the authentication processing by the authentication processing unit 43. As an example, the display screen is transitioned from the financial institution function usage request acceptance screen shown in Figure 4(a) to a top page that provides the financial institution function as shown in Figure 4(b). Users can instantly process transfers and use financial products and services on the financial institution function screen.

[0049] - When a second login status is set in the user's request to use the financial institution function - A In this case, the display screen control unit 24 of the user terminal 2 performs processing to transition the display screen of the user terminal 2 from the above-mentioned screen for accepting requests to use financial institution functions to a screen for accepting login to the financial institution system 4. As an example, the screen transitions to a screen displaying "Open an account" and "Login" for accepting an application to open a financial institution account, as shown in Fig. 5. When "Login" is selected by a user operation, login authentication processing is performed. After the authentication process, the login status management unit 32 performs a process of changing the second login status set for the affiliated business user ID related to the request to use the financial institution function to the first login status. Furthermore, after the authentication process by the authentication processing unit 43, the display screen control unit 24 of the user terminal 2 performs a process of transitioning the display screen of the user terminal 2 from a screen that accepts login to the financial institution system 4 to a screen for the financial institution function. As an example, the screen that accepts an application to open a financial institution account shown in Figure 5 is transitioned to a top page that provides the financial institution function as shown in Figure 4(b). Users can instantly process transfers and use financial products and services on the financial institution function screen.

[0050] - When a second login status is set in the user's request to use the financial institution function - B When the financial institution account opening procedure management unit 41 completes the screening process for the financial institution account opening application, the display screen control unit 24 of the user terminal 2 performs processing to transition from the financial institution account opening application completion screen displayed on the display screen of the user terminal 2 to a screen for inputting data required for authentication processing. As an example, the screen transitions from the screen displaying the financial institution account opening application acceptance number shown in Figure 6(b) to the screen displaying "Login" shown in Figure 5, and when "Login" is selected, the screen transitions to the authentication setting screen shown in Figure 7(b). Furthermore, the display screen control unit 24 of the user terminal 2 performs processing to transition the display screen of the user terminal 2 from the authentication setting screen to a screen for financial institution functions. Users can instantly process transfers and use financial products and services on the financial institution function screen.

[0051] The storage unit 44 stores financial institution user information 45a, financial institution account opening procedure information 45b, financial institution account information 45c, login history information 45d, and the above-mentioned affiliated business user information 33a.

[0052] The financial institution user information 45a is a financial institution user ID registered in the financial institution system 4 as described above.

[0053] As described above, the financial institution account opening procedure information 45b is composed of financial institution account opening application information and financial institution account opening application completion information, and the financial institution account opening application completion information is immediately linked to the affiliated business system 3 by the data linkage processing unit 42 via the affiliated business application 22.

[0054] As described above, financial institution account information 45c is information relating to the user's financial institution account, and account information such as the account number linked to the financial institution user ID and the status of completion of the financial institution account opening application review are linked to the affiliated business system 3 by the data linkage processing unit 42 via batch processing.

[0055] The login history information 45d is information regarding the login history to the financial institution system 4 of the user terminal 2 of the user who requests to use the financial institution function, and whose login status is set to the first login status, and is linked to the affiliated business system 3 by batch processing by the data linkage processing unit 42.

[0056] [Processing flow by information processing system] An example of the processing flow of the information processing system 1 of this embodiment will be described below with reference to FIGS.

[0057] (S101) When a user registered with the affiliated business system 3 operates the user terminal 2 to execute the affiliated business app 22 associated with the affiliated business system 3, the user first logs in to the affiliated business system 3 using the login ID and password registered with the affiliated business system 3. Figure 4(a) shows the state in which the affiliated business app 22 causes the user terminal 2 logged in to the affiliated business system 3 to function as a financial institution function usage acceptance unit, and the display screen control unit 24 displays a screen accepting a request to use the financial institution function. The information processing system 1 in this processing flow is typically an app for a consumer electronics retailer or department store, for example. Shopping history information and points associated with shopping are linked to and managed by the user. By logging in using their login ID and password, the user can properly access this information and use the points to make purchases and receive various services. It is important to note here that the user has passed the authentication required by the affiliated business to access the affiliated business system 3. In other words, the user has undergone personal authentication at a level that meets the standards set by the affiliated business. The affiliated business system 3 displays various links and content for using these services, but as they are unrelated to the present invention, they are not shown in the figure. Similarly, displays unrelated to the present invention will be omitted below. When the user selects a usage request acceptance screen displayed on the screen, a usage request signal is sent from the user terminal 2 to the financial institution system 4. Note that the figure shows an example of a display with "XX XX BANK" that directly links to banking functions, but the options for payment methods may also be listed, for example, "Payment Method 1. Points 2. Transfer 3. Card Payment 4. Transportation IC Card." In this case, when "2. Transfer" is selected, a usage request signal is sent.

[0058] (S102) When the financial institution system 4 receives a usage request signal from the user terminal 2 through user operation on the financial institution function usage request acceptance screen shown in Figure 4(a), the login status management unit 32 of the affiliated business system 3 accepts the request to use the financial institution function through user operation and performs a process of confirming the first login status or the second login status, which is set according to the status of opening a financial institution account for the affiliated business user ID related to the user, by referring to the affiliated business information 33a stored in the memory unit 33. The first login status indicates that the financial institution account opening procedure information 45b has been linked between the financial institution system 4 and the affiliated business system 3. The second login status indicates that the financial institution account opening procedure information 45b between the financial institution system 4 and the affiliated business system 3 has not yet been linked.

[0059] (S103) If the first login status is set in the request to use the financial institution function, the authentication processing unit 43 performs a process to determine whether authentication information 23 is stored in the memory unit 21 of the user terminal 2, i.e., whether authentication settings have been completed.

[0060] (S104) When the authentication information 23 is stored in the storage unit 21 of the user terminal 2, the authentication processing unit 43 performs login authentication processing for the user terminal 2 to the financial institution system 4 using FIDO authentication. Completion of this login means that the user has undergone personal authentication at a level that meets the standards set by the financial institution. Information indicating completion of FIDO authentication registration is stored as authentication information 23 in the affiliated business app 22 of the user terminal 2 together with a predetermined identifier. The display screen control unit 24 of the user terminal 2 performs processing to transition the display screen of the user terminal 2 from the financial institution function usage request acceptance screen shown in FIG. 4(a) to a screen providing financial institution functions as shown in FIG. 4(b). Users can instantly process transfers and use financial products and services on the financial institution function screen.

[0061] (S105) When the second login status is set in the request to use the financial institution function, the affiliated business application 22 causes the user terminal 2 to function as a display screen control means, and the display screen control unit 24 performs processing to transition the display screen of the user terminal 2 from the screen for accepting a request to use the financial institution function shown in Fig. 4(a) to a screen for accepting an application to open a financial institution account as shown in Fig. 5. When the user selects "Open an account" on the screen, the display screen transitions to a financial institution account opening settings screen as shown in Fig. 6(a). If the authentication information 23 is not stored in the affiliated business app 22 due to a change in the user terminal 2, etc., when login is selected by user operation, FIDO authentication is performed using the login ID (or bank account number) related to the financial institution account, password, and fingerprint authentication, and when the login authentication is passed and the user accesses the financial institution system 4, authentication completion information is sent to the login status management unit 32, and the login status management unit 32 receives financial institution account information 45c from the financial institution system 4 via batch processing, and then rewrites the login status of the affiliated business user ID that constitutes the affiliated business user information 33a stored in the memory unit 33 from the second login status to the first login status and saves it. In FIG. 6(a), data such as name, address, date of birth, etc., which have been input in advance as user registration information, may be displayed in advance to assist with input. Based on the instructions on the financial institution account opening setting screen, the user inputs the financial institution account opening application information required to create an account to be registered in the financial institution system 4, such as the user's name, address, date of birth, telephone number, email address, and affiliated business user ID. The input financial institution account opening application information is encrypted and then sent to the financial institution system 4, where it is associated with the affiliated business user ID and stored in the storage unit 44 as financial institution account opening procedure information 45b. Based on the financial institution account opening application information entered on the financial institution account opening settings screen, the financial institution account opening procedure management unit 41 generates financial institution account opening application completion information such as a financial institution account opening application acceptance number linked to the affiliated business user ID, and stores the information as financial institution account opening procedure information 45b in the storage unit 44. The financial institution account opening procedure information 45b is immediately linked to the affiliated business system 3, and the display screen of the user terminal 2 displays the financial institution account opening application acceptance number linked to the affiliated business user ID related to the affiliated business user information 33a, as shown in Figure 6(b). In the affiliated business system 3, when financial institution account opening procedure information 45b is linked from the financial institution system 4, the login status management unit 32 performs a process to change the second login status setting set for the affiliated business user ID related to the request to use the above-mentioned financial institution function to the first login status. In addition, the financial institution account opening procedure management unit 41 performs an examination process for the financial institution account opening application related to the above-mentioned financial institution account opening application information. The examination process for account opening is carried out in various ways based on standards set by the financial institution. Considering user convenience, it is desirable to have an automated system that minimizes the intervention of bank employees, and can complete account opening as automatically as possible, within as little as three minutes, and at the latest within 15 minutes. Once the examination is complete, the financial institution account opening procedure management unit 41 performs a process to generate financial institution user information 45a and financial institution account information 45c. Once account opening is complete, the authentication processing unit 43 prompts the user to register data required for FIDO authentication. The data required for FIDO authentication varies depending on the financial institution, but one or more of fingerprint authentication, vein authentication, and facial recognition are required to be registered. In this embodiment, as a prerequisite for FIDO authentication, authentication using a transaction password, authentication via SMS, etc. is performed, and only if the authentication is successful does the system proceed to the FIDO authentication registration process. The financial institution account information 45c is linked to the affiliated business system 3 by batch processing. When personal authentication is confirmed by FIDO authentication, the user has been personally authenticated at a level that meets the standards set by the financial institution. In addition, information indicating the completion of FIDO authentication registration is stored as authentication information 23 in the storage unit 21 of the user terminal 2 together with a specific identifier. Next, the financial institution system 4 transitions the user terminal to the affiliated business application screen shown in Figure 4(a) again, and proceeds to S102 where the usage request for that screen is accepted. Since the user's login status has been switched to and saved as the first login status, the process proceeds to S103.

[0062] (S106) S106 is a preliminary step, so to speak. Because the login status is the first login status, it is not assumed that authentication settings have not yet been completed. However, in this embodiment, in which various input processes are performed on a web screen, there may be cases in which the login status has switched to the first login status but the link does not actually work due to a temporary interruption in communication or a missing information packet. To prepare for such cases, in S106, the authentication processing unit 43 performs processing to transition the display screen of the user terminal 2 from the financial institution function usage request reception screen or the financial institution system login reception screen to the login setting screen. As an example, a screen for accepting input of login setting information as shown in FIG. 7(b) is displayed from the screen for accepting a request to use a financial institution function as shown in FIG. 4(a). Alternatively, in S105 above, an authentication setting screen such as that shown in FIG. 7(b) is displayed from the login acceptance screen for the financial institution system 4 shown in 7(a). The authentication processing unit 43 performs authentication setting processing based on information input by a user operation on the authentication setting screen.

[0063] (S107) The authentication processing unit 43 accepts login information entered by user operation on the login acceptance screen for the financial institution system 4 shown in Figure 7(a) displayed on the display screen of the user terminal 2, and performs processing to transition the display screen of the user terminal 2 to the web screen for the financial institution function shown in Figure 4(b). In addition, the authentication processing unit 43 accepts specified setting information input by user operation on the login setting screen shown in Figure 7(b) displayed on the display screen of the user terminal 2, and performs processing to transition the display screen of the user terminal 2 to the web screen of the financial institution function shown in Figure 4(b). In this case, the authentication processing unit 43 performs the authentication setting process based on the information input by the user's operation on the login setting screen, and performs the authentication process using the information related to the authentication setting. Users can instantly process transfers and use financial products and services on the web screen of the financial institution functions mentioned above. Furthermore, the data linkage processing unit 31 of the affiliated business system 3 and the data linkage processing unit 42 of the financial institution system 4 cross-check customer IDs through batch processing once a day, as in the past. Many users hold IDs or open new IDs in either the affiliated business system 3 or the financial institution system 4, or both, but do not necessarily link and utilize them immediately. According to this embodiment, an environment is provided in which affiliated business user information 33a and financial institution account opening procedure information 45b at each step can be immediately linked and utilized for customers who need it, and IDs of customers who will not be utilized that day are linked together in a batch process, thereby avoiding excessive load on the system and the effort required for customer input for linking, and providing a more comfortable environment.

[0064] In this way, the information processing system of this embodiment employs a mechanism for determining whether financial institution account opening procedure information is linked to the financial institution's system when using the functions of a financial institution affiliated with the operator on an app related to various services of the operator installed on the user terminal 2, and a mechanism for instantly linking at least the financial institution account opening application completion information, among the financial institution account opening procedure information, to the operator's system.Therefore, it is possible to use the financial institution's functions and receive the operator's services without waiting for the financial institution account opening completion information to be batch processed into the operator's system.

[0065] Furthermore, starting from the partner business app installed on the user terminal 2 shown in Figure 4(a), the user receives normal services while continuously transitioning from the financial institution function usage acceptance section displayed on the partner business app to the financial institution's web screen. This allows the user to open an account using various information, including personal information, registered in the partner business system, thereby reducing the amount of data to be entered, easing the user's burden, and minimizing input errors. By continuously transitioning from the user terminal 2 logged in to the partner business system 3 and then performing FIDO authentication with the financial institution, personal authentication can be performed with a higher degree of reliability. Furthermore, because the destination is the financial institution's web screen, it is easy to design the user interface of the destination to be highly compatible with the partner business app, improving user convenience. Financial institutions often need to customize the design when collaborating with many partner businesses, but because it is a web screen, customization is relatively easy.

[0066] Although a preferred embodiment of the present invention has been described above with reference to the accompanying drawings, the present invention is not limited to such an embodiment and can be modified into various forms within the technical scope grasped from the description of the claims.

[0067] For example, in this embodiment, an icon or the like is used to accept the use of financial institution functions by executing the affiliated business app 22 on the user terminal 2, but the present invention is not limited to this, and a barcode or QR code (registered trademark) linked to the affiliated business user ID may also be used. In this case, the same effect can be achieved by operating a reading device (not shown) to read these codes, obtaining affiliated business user information 33a, and performing the process of setting the login status based on this information. [Explanation of symbols]

[0068] 1. Information Processing Systems 5. Communication Network

Claims

1. An information processing system that provides financial institution functions provided in a financial institution system managed by a financial institution to a user terminal used by a user of the affiliated business through an affiliated business system managed by the financial institution, a display screen control unit that displays a financial institution function usage request acceptance screen on a display screen of the user terminal; a login status management unit that sets a login status to the financial institution system in accordance with the status of cooperation of information about users of the financial institution between the financial institution system and the affiliated business system when a request to use a financial institution function is received from the user terminal; The information about the user of the financial institution includes financial institution account opening procedure information generated in the financial institution system based on financial institution account opening application information including an affiliated business user ID input by the user terminal, and the financial institution account opening procedure information is linked to the affiliated business system in real time as soon as it is generated; the login status management unit, in conjunction with the linking of the financial institution account opening procedure information, sets a login status indicating that the financial institution account opening procedure information has been linked to the partner business system to the partner business user ID; Or, When the financial institution account opening procedure information is not linked, the login status management unit sets a login status indicating that the financial institution account opening procedure information is not linked to the affiliated business system to the affiliated business user ID, When the login status is set to the linked status, the display screen control unit transitions the display screen from the financial institution function usage request acceptance screen to a financial institution function screen. An information processing system comprising:

2. If the login status is set to unlinked, the display screen control unit transitions the display screen from the financial institution function use request acceptance screen to a financial institution account opening setting screen, the login status management unit changes the setting of the login status from "unlinked" to "linked" in accordance with the linking of the financial institution account opening procedure information generated based on the financial institution account opening application information input on the financial institution account opening setting screen; The display screen control unit transitions the display screen from the financial institution account opening setting screen to the financial institution function screen.

2. The information processing system according to claim 1.

3. The financial institution account opening procedure information includes financial institution account opening application completion information that is generated based on the financial institution account opening application information and indicates that the financial institution account opening application is currently under review.

3. The information processing system according to claim 1 or 2.

4. The information about the user of the financial institution includes financial institution account opening application review completion information indicating that the review of the financial institution account opening application related to the financial institution account opening application information has been completed, The financial institution account opening application examination completion information is linked to the partner business system by batch processing.

4. The information processing system according to claim 3.

5. further comprising an authentication processing unit that manages login authentication of the user terminal to the financial institution system; When the login status is set to linked, the authentication processing unit determines whether authentication setting is complete in the user terminal, and when the authentication setting is complete, performs login authentication processing for the user terminal to the financial institution system, and the display screen control unit transitions the display screen from the financial institution function use request acceptance screen to the financial institution function screen, If the authentication setting is not completed, the display screen control unit transitions the display screen from the financial institution function use request acceptance screen to a login setting screen, When input of predetermined setting information is accepted on the login setting screen, the display screen control unit transitions the display screen to the financial institution function screen.

2. The information processing system according to claim 1.

6. further comprising an authentication processing unit that manages login authentication of the user terminal to the financial institution system; If the login status is set to linked, the authentication processing unit determines whether authentication setting is complete in the user terminal, and if the authentication setting is complete, performs login authentication processing for the user terminal to the financial institution system, and the display screen control unit transitions the display screen from the financial institution function use request acceptance screen or the financial institution account opening setting screen to the financial institution function screen, If the authentication setting is not completed, the display screen control unit transitions the display screen from the financial institution function use request acceptance screen or the financial institution account opening setting screen to a login setting screen, When input of predetermined setting information is accepted on the login setting screen, the display screen control unit transitions the display screen to the financial institution function screen.

3. The information processing system according to claim 2.

7. A computer program for causing a computer to function as the information processing system according to claim 1.

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