JP3916242B2 - Securities trading account opening method and securities trading account opening system - Google Patents

Description

  In the present invention, when opening a securities trading account with a securities company through a bank, it is possible to open an account without submitting an identity verification document to the securities company. The present invention relates to a securities trading account opening method and a securities trading account opening system that can automatically log in to an online system of a securities company.

  When you open a securities trading account at a securities company, you must submit identity verification documents such as a resident's card as notification documents for identity verification. The securities company that has received the identity verification document is required by the so-called identity verification law to create an identity verification record and store it for a specified period of time. Contents such as the name of the person in charge, date, confirmation method, etc. are recorded ("Frequently-identified person identification method" posted on the FSA website) <URL: http://www.fsa.go.jp/honinkakunin/honinkakunin.html> reference).

  In addition to identity verification documents, it is required to submit a seal of registration at the time of opening an account. If the address changes after the account is opened, a prescribed notification such as a resident's card must be submitted. Is required. With regard to such identity verification documents and documents with a notification seal, the securities company accepts the actual notification documents by store, mail, etc. in order to confirm that the notification documents are authentic.

  In this way, the method of accepting the actual reported document requires a complicated procedure for the customer to prepare the document and bring it to the store or send it by mail. Reducing customer's procedural burden is an important issue for securities companies and does not directly solve the above-mentioned issues. However, as an invention to reduce the procedural burden at the time of notification, for example, multiple notification documents A technique related to a notification processing system that can process common description items in one entry when submitted is disclosed (see Patent Document 1).

  Also, from the perspective of the securities company, if the notification document is received by mail, the administrative procedures such as filing the notification document become complicated, and if there are any inadequacies in the document, it will be returned to the customer. There is a problem that it is necessary to request re-transmission, and the procedure for returning work is complicated, and it takes time for the procedure to cause a drop in customer service. As an invention to alleviate the burden of accepting documents received by financial institutions, it is related to a part of the administrative procedures, but the seal imprinted on the registered document and the seal of the registered seal registered in advance are efficiently used. A technique related to a collation system for collation is disclosed (see, for example, Patent Document 2 and Patent Document 3).

  Recently, with the spread of the Internet, the use of online transactions that accept transactions through the Internet has expanded. However, even for securities companies specializing in online transactions, the receipt of registered documents is no exception, and the format of the registered documents is downloaded. Although it is possible to do so, the present situation is that the submission of documents is accepted by mail.

JP 2001-5894 A JP-A-6-309439 JP-A-7-98738

  The inventions described in Patent Document 1, Patent Document 2, and Patent Document 3 all reduce the processing burden on a part of the customer or the customer in the financial institution in the notification process. Cannot improve the overall processing flow for notification. That is, depending on the invention described in Patent Document 2 or Patent Document 3, the customer's procedural burden is not alleviated.

  In addition, Patent Document 1 also describes a notification document reception service by a dedicated terminal device equipped with a videophone. In order to carry out the present invention, a scanner, a camera, and an operator are provided. And a dedicated terminal device connected to a communication line capable of transmitting and receiving images in real time. Since such terminal devices cannot be installed easily, the customer must visit the place where the terminal device is installed at a predetermined time and proceed with the procedure. It is not considered to have different conveniences.

  On the other hand, from April 2004, a securities brokerage system was introduced in which brokerage requests for brokerage transactions were brokered to brokerage firms, enabling customers to entrust brokerage transactions to companies other than brokerage firms. became. In December 2004, registration of securities brokerage is scheduled to be lifted by banks, and it is expected that customers will entrust securities transactions through a bank.

  When you open a bank account, you will be required to verify and record your identity verification documents in the same way as when you open a securities trading account, but you will be required to verify and record your identity verification documents. (Article 3) defines “a method for confirming that the bank, etc. that opened the account in the case of direct debit is verifying the identity of the customer, etc.” ). In other words, when a bank brokers securities transactions, the brokerage firm entrusting the brokerage contracts with the bank to settle the account by direct debit, so that even if the brokerage company does not verify identity verification documents, It will be treated as having been verified by the law. The use of this provision may simplify the identity verification process at securities companies.

  The present invention has been made to solve such problems, and when opening a securities trading account with a securities company through a bank, an account is opened without submitting an identity verification document to the securities company. The purpose is to provide a securities trading account opening method and a securities trading account opening system. In addition, in order to enhance customer convenience, the purpose is also to provide a securities trading account opening method and a securities trading account opening system that can automatically log in to the brokerage company's online system from the banking bank's online system after opening the account. It is what.

According to the present invention for solving such a problem, a trader who wants to open a securities transaction account accesses a bank transaction system having a bank transaction account, and adds a new certificate to the securities transaction system of the securities company via the bank transaction system. A method for opening a securities trading account for recording information necessary for opening a trading account , wherein the bank transaction system is operated by a terminal device operated by a trader connected through a network logged in to the bank system. A step of accepting selection of a request for opening a trading account; a customer number for identifying a customer who uses the banking account for the banking account opened in the banking system by the banking system; and the securities trading account An account transfer contract was signed to make a settlement of transactions using the bank account by direct debit with the bank transaction account Account information including the consignor number that identifies the securities company that is the consignor and the ID and password used in the automatic login to the securities trading system of the securities company, the contract number of each banking account With reference to the account information storage unit stored in association with the customer, the customer number of the business operator is specified from the contract number specified at the time of login for the business customer, and the customer using the bank transaction system is The customer information corresponding to the customer number is acquired from the customer information storage unit that stores the customer information including information on the presence / absence of identity verification in association with each customer number, and the identity of the trader is confirmed in the customer information. And a step of executing a confirmation process of whether or not the transaction has been recorded and a step of executing the confirmation process by the bank transaction system. When the record that the identity verification has been performed is confirmed, a predetermined screen is displayed on the terminal device, information necessary for opening a securities trading account input to the terminal device, and the terminal device Account transfer that contracts to perform settlement of transactions performed using the entered securities password and the securities transaction account performed in the terminal device by the account transfer with the bank transaction account A confirmation operation for a contract, and when the bank transaction system accepts a confirmation operation for the account transfer contract, the account information corresponding to the contract number of the trader in the account information storage unit , Record the consignor number that identifies the securities company as the record of the conclusion of the account transfer contract, and store the information necessary for opening the securities trading account and the password. , Sending to the securities trading system of the securities company corresponding to the consignor number, and when the securities trading system receives the information necessary for opening the securities trading account and the password, the securities for the trader Creating an account file for a trading account, numbering an ID identifying the trading account and recording it in the account file; and the securities trading system is required to open the securities trading account in the account file A step of recording information, and a step of automatically assigning an initial password to be used for identity authentication when the securities trading system forgets a valid password for the securities trading account, and recording it in the account file; The securities trading system validates the password received from the bank trading system in the account file at the time of authentication. A step of recording as a password; a step of transmitting the ID recorded in the account file to the bank transaction system; and a step of storing the account information storage unit when the bank transaction system receives the ID. And recording the ID in association with the password accepted by the banking transaction system in account information corresponding to the contract number of the trader.

  In this invention, when the bank transaction system accepts a request for opening a securities trading account from a trader who has a trading account, after checking a predetermined rule for opening a securities trading account, the trader settles the price with the securities company. It is possible to open a securities trading account by confirming the identity in accordance with the identity verification method without requiring the securities company to submit identity verification documents by accepting and recording the intention of confirming the account transfer contract for become.

  Note that a communication network such as the Internet corresponds to the network here, and a terminal device capable of transmitting and receiving data through a network such as a personal computer or a mobile phone is used as a terminal device operated by a trader. The predetermined rules for opening a securities trading account may be set, for example, age restrictions for excluding minors from the target person, presence / absence of identity verification records for bank trading accounts, and the like.

  When requesting opening a trading account directly to a securities company, an initial password is issued to the account opener, and the account opener logs in to the securities trading system using the initial password and then specifies the initial password by himself / herself. It is normal to change to. When the bank transaction system and the securities transaction system execute the above procedure, the trader automatically registers the password specified by the bank transaction system in the securities transaction system without changing the initial password. be able to.

  Here, the ID for specifying the trading account is used for login at the time of online trading, and is not limited to the account number of the securities trading account as long as the account can be specified. The password received from the banking system and recorded in the account file must be registered as a valid password, but it must be valid, such as overwriting the initial password and indicating that it is a valid password by flag. The method for identifying is not particularly limited.

  Further, in the present invention, when the trader logs in to the securities trading system via the bank trading system, the bank trading system records the ID recorded in the registration information related to the bank trading account of the trader. And a password used for authentication of the trader is acquired and transmitted to the securities trading system, and the securities trading system refers to an account file corresponding to the ID received from the bank trading system, and If the password received from the transaction system matches the password registered as a valid password in the account file, a login to the securities transaction system can be accepted.

  When the bank transaction system and the securities transaction system execute such a procedure, a trader who logs in to the bank transaction system can automatically log in to the securities transaction system from the bank transaction system without entering an ID and password at all. Is possible.

  Furthermore, this invention can also be comprised as a securities trading account opening system for performing the method of opening the securities trading account concerning this invention.

That is, in the securities transaction account opening system according to the present invention, a trader who wants to open a securities transaction account accesses a bank transaction system having a bank transaction account, and newly adds to the securities transaction system of the securities company via the bank transaction system. A securities transaction account opening system for recording information necessary for opening a new securities transaction account , wherein the bank transaction system uses the bank transaction account for the bank transaction account opened in the bank transaction system. The securities company which becomes a consignor when performing an account transfer contract for contracting a customer number for identifying a customer to perform and settlement of a transaction performed using the securities transaction account by an account transfer with the bank transaction account And the ID and password used in the automatic login to the securities trading system of the securities company. Account information storage means for storing the account information associated with the contract number of each bank transaction account, and for each customer using the bank transaction system, customer information including information on whether or not the customer has been verified. Customer information storage means for storing in association with a customer number, and account opening request receiving means for receiving selection of a request for opening a securities trading account from a terminal device operated by a trader connected through a network logged in to the bank system And the customer information corresponding to the customer number from the customer information storage means by specifying the customer number of the trader from the contract number specified at the time of login for the trader with reference to the account information storage means to get the account open to the is the customer information that identity verification of the transaction who has been made to perform the confirmation process or has been recorded In the determination means and the account opening determination means, when the record that the identity verification has been performed is confirmed, a predetermined screen is displayed on the terminal device, and the securities trading account input to the terminal device is opened. An account with the bank transaction account for necessary information, a password used for authentication in the securities transaction system input to the terminal device, and settlement of a transaction performed using the securities transaction account performed in the terminal device Account opening information receiving means for receiving an account transfer contract for contracting to be performed by transfer, and when the account opening information receiving means receives a confirmation operation for an account transfer contract, the transaction of the account information storage means The account information corresponding to the contract number of the contractor records the consignor number that identifies the securities company as the conclusion record of the account transfer contract. When the exchange recording means and the account opening information receiving means accept the confirmation operation for the account transfer contract, the information necessary for opening the securities trading account accepted by the account opening information receiving means, and the password, An account opening information transmitting means for transmitting to a securities trading system of a securities company corresponding to a company number, and the securities trading system includes information necessary for opening the securities trading account from the bank trading system, and Account opening information receiving means for receiving a password, and an account file creating means for creating an account file related to a securities trading account for the trader, and numbering an ID for identifying the trading account and recording it in the account file And an account opening information recording means for recording information necessary for opening the securities trading account in the account file; The initial password auto-numbering for use in the authentication of the case you forget a valid password, and initial password recording means for recording in the account file, to the account file, the time of authentication the password you received from the banking system Password recording means for recording as a valid password in the system, and ID transmission means for transmitting the ID number assigned by the account file creation means to the bank transaction system, and further, the bank transaction system includes: an ID reception unit for receiving the ID from the securities trading system, the account information storage account information corresponding to the contract number of the transaction's unit, and records the ID in association with password the password accepting unit receives A securities trading account opening system comprising: an ID recording means;

In addition, securities trading account opening system according to the present invention is, in the banking system, and the login accepting means for accepting the request of the log in to the securities trading system through the banking system of the traders, of the login When the request is accepted, a log-in that acquires from the account information storage means the ID recorded in the registration information relating to the bank transaction account held by the trader and the password used for authentication of the trader and sends it to the securities trading system equipped and information transmission means, the, in the securities trading system, with reference and login information receiving means for receiving the said ID from the banking system password, the account file corresponding to the ID, the password And the password registered in the account file as a valid password match The case can also be characterized by and a log receiving unit for receiving a login to the stock trading system.

  The present invention enables a trader who wants to open a securities trading account to open an account without submitting an identity verification document to the securities company when opening a securities trading account with the securities company via a bank. Become. Furthermore, after opening an account, automatic login is possible without entering a login ID or password from the online system of the bank to the online system of the securities company.

  As a result, when brokers engage in securities brokerage, banks can easily open securities trading accounts and improve customer service, and securities companies can reduce the burden of administrative procedures by omitting verification procedures for identity verification documents. At the same time, it is possible to promote account opening by reducing the burden of submitting documents at the time of customer account opening.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In addition, the following description is an example of embodiment of this invention, Comprising: This invention is not limited to this embodiment.

  FIG. 1 is a block diagram showing the overall configuration of a securities trading account opening system according to the present invention. 2 to 9 show the bank transaction system account master table, the bank transaction system account holder information table, the bank transaction system password registration table, and the bank host, respectively, which constitute the securities transaction account opening system according to the present invention. It is a figure which shows an example of a customer information table, the account transfer registration table of a bank transaction system, the automatic login registration table of a bank transaction system, the account information table of a securities transaction system, and the password registration table of a securities transaction system. 10 to 13 are diagrams showing examples of a securities account opening screen, a registration content confirmation screen, a clause confirmation screen, and an ID registration confirmation screen, respectively, which are displayed on the user terminal by the securities trading account opening system according to the present invention. . FIG. 14 is a flowchart showing a flow in which the bank transaction system accepts opening of a securities trading account in the securities trading account opening method according to the present invention. FIG. 15 is a flowchart showing a flow in which the securities trading system establishes a securities trading account in the securities trading account opening method according to the present invention. FIG. 16 is a flowchart showing a flow in which the bank transaction system sets automatic login to the securities transaction system in the securities transaction account opening method according to the present invention.

  FIG. 1 shows the overall configuration of a securities trading account opening system according to the present invention. The securities transaction account opening system according to the present invention is configured as a part of the bank transaction system 20 or the securities transaction system 40. Both the bank transaction system 20 and the securities transaction system 40 can communicate with the user terminal 10 through the Internet, and a customer can access each system from the user terminal 10 and perform online transactions. Each system is provided with a customer database 21 and a customer database 41, respectively. The bank transaction system 20 is connected to the bank host 30 that controls the bank account system and the like, and is connected to the securities transaction system 40 and the dedicated line in order to realize the function of the securities transaction account opening system according to the present invention. Connected.

  When a bank customer having a transaction account wants to open a securities transaction account, the customer accesses the bank transaction system 20 from the user terminal 10 through the Internet and logs in to the net banking service. Here, when the customer chooses to open a securities trading account, the customer database 21 is referred to customer information regarding the contractor of the net banking service, and the bank host 30 is inquired for necessary information to determine whether the securities trading account can be opened. To do.

  If the customer satisfies the requirements for opening a securities trading account such as age, and the identity verification documents are confirmed at the bank, and the seal seal etc. is properly stored, the new identity verification documents etc. Without asking for submission, you can open a securities trading account by signing an account transfer contract for the settlement price of securities trading. Therefore, when the bank transaction system 20 requests the user terminal 10 to confirm the intention of the account transfer contract and the user accepts the request, the bank transaction system 20 registers the account transfer contract in the customer database 21 and The information necessary for opening a securities trading account including the password for the net securities service that has been accepted from is sent to the securities trading system 40.

  When the securities transaction system 40 receives information necessary for opening a securities transaction account, it creates an account file for the customer and registers the customer information in the customer database 41. The newly opened securities trading account is given a login ID and initial password for logging in to the online securities service, but the password for logging in to the online securities service accepted from the banking transaction system 20 is used for subsequent transactions. Is automatically registered as a valid password.

  When the account opening procedure is completed in the securities trading system 40, a login ID for logging in to the online securities service is transmitted to the bank trading system 20. In the bank transaction system 20, this login ID is stored in the customer database 21 together with a password, and thereafter, when a customer entrusts a securities transaction from the internet banking service, it is used as an ID and password for automatic login to the internet securities service. .

  The method for opening a securities trading account according to the present invention will be described in detail with reference to the flowcharts of FIGS. First, the flowchart of FIG. 14 shows a flow in which the bank transaction system accepts opening of a securities transaction account.

  First, the customer logs in to the net banking service from a terminal device such as a personal computer, and selects the “open securities account” button provided in the service menu. When the bank transaction system accepts this selection (S01), the contractor information regarding the customer is referred to (S02). The contractor information to be referred to is not limited to the information stored in the customer database in the bank transaction system for the net banking service, and customer information managed by the bank host computer may be used.

  For example, a customer database in a bank transaction system for net banking service is provided with a table for recording customer information as shown in FIGS. 2 to 4 for each transaction account. FIG. 2 shows an example of an account master table, in which basic information such as a customer number for specifying a contractor who is an account holder, a deposit type, and an account number is stored. FIG. 3 shows an example of the account holder information table, which stores the address, age, date of birth, etc. of the account holder. FIG. 4 shows an example of a password registration table, in which an initial password and a password changed thereafter are stored together with the date of change. These tables are associated with a contract number assigned at the time of using the internet banking service as a key.

  On the other hand, the customer information managed in the bank host computer corresponds to an example of the customer information table of FIG. In bank transactions, one customer may open multiple types of trading accounts at the same department store, or may open trading accounts at multiple department stores. Basic information managed for each account. In addition, customer information is generally managed by assigning a customer code called a customer number to each customer. Such customer information is linked to account unit information by customer number.

  In the banking system, in order to determine whether or not a securities trading account can be opened, first check whether the customer is not a minor, for example by referring to the date of birth in the account holder information table shown in FIG. (S03). If the child is a minor, it is not possible to accept the automatic opening, for example, it is necessary to confirm the consent of the guardian, so an error screen indicating that the automatic opening cannot be performed is displayed on the user terminal (S06).

  Next, whether or not the customer has been verified in the past and has been recorded in the bank (S04), and whether or not the registered seal has been registered. (S05) is confirmed by referring to the customer information table on the host computer side shown in FIG. 5, for example. If any of the requirements is not met, it will be necessary to ask the customer to submit the prescribed documents, so automatic opening cannot be accepted and an error screen will be displayed indicating that automatic opening is not possible on the user terminal. (S06).

  If there is no problem with the above requirements, display data is transmitted to the user terminal in order to display a screen for inputting information necessary for opening a securities trading account (S07). FIG. 10 is an example of a securities account opening screen. In order to open a securities trading account, in addition to information necessary for opening a banking account, additional information such as occupation and investment experience is generally required. Therefore, information related to the account holder registered in the bank transaction system is displayed for confirmation, and contents for requesting input of additional information necessary for opening a securities transaction account are displayed. In addition, an acceptance request for an account transfer contract, which is a requirement for identity verification, and an input request for a login password for an Internet securities service used for automatic login to the Internet securities service are also displayed.

  When the customer inputs predetermined information on the input screen, the bank transaction system accepts the information necessary for opening the entered securities transaction account (S08). At the same time, the login password for the Internet securities service entered by the customer is accepted (S09). For information necessary to open a securities trading account, check whether there are any omissions in the required items and confirm whether there is any shortage in the input information (S10). It is displayed on the user terminal (S11).

  If there is no omission in the necessary information, the process proceeds to the next step, and the customer confirms the screen for approving the contents of the account transfer contract, so that the account transfer contract is registered in the bank transaction system (S12). FIG. 6 shows an example of an account transfer registration table of the bank transaction system, in which a consignor number that identifies a consignor who has made an account transfer contract (in this case, a securities company that opens a securities transaction account) is registered. The conclusion of the account transfer contract is recorded. The account transfer registration table may be included in the customer database, or may be included in other systems in the bank transaction system such as the account transfer system. Must be linked to a bank account.

  When an account transfer contract is registered, the securities company that opens the securities trading account has also confirmed the identity in the identity verification method, so the securities company does not require the submission of identity verification documents. It becomes possible to open an account. Here, in order to confirm the information transmitted to the securities company, a registration content confirmation screen is displayed on the user terminal (S13).

  FIG. 11 shows an example of the registration content confirmation screen. The name and address of the customer registered in the bank transaction system in advance is information read from the customer database, etc., and is unique to the securities transaction account such as occupation and investment experience. Displays the information that has been previously input by the customer. If the customer does not need to change the registered content, the customer selects either the cancel or consent button.

  The bank transaction system confirms the selection of the consent button. If the consent button is not selected and the cancel button is selected, a cancel screen is displayed on the user terminal (S15). When the customer selects the change button instead of the cancel button, a re-input screen is displayed (to S11). When the consent button is selected, in order to perform the account opening procedure in the securities company, information necessary for opening the account is transmitted to the securities trading system together with the log-in password for the online securities service received in advance (S16). . The information transmitted here uses the customer's name, address, and password registered in the banking system in advance, as read from the customer database, etc. As the password, information that has been previously received by the customer is used.

  The flowchart of FIG. 15 shows a flow in which the securities trading system opens a securities trading account. The securities trading system used for the online securities service receives information necessary for opening an account and a login password entered by the customer through a dedicated line from the bank trading system (S17).

  Upon receiving these pieces of information, a new account file is created to open a new securities trading account, and a login ID used for logging in to the online securities service is assigned to the opened new account (S18). ). The login ID may be an account number assigned for a new account. FIG. 8 shows an example of the account information table of the securities trading system. Information necessary for opening an account received from the bank trading system is stored in each field. In this example, an account number is used as the login ID.

  When the account file is created, in order to validate the opened account, a contract confirmation screen is displayed on the user terminal (S19), and the customer is prompted to confirm the contract related to the securities transaction account opening. FIG. 12 shows an example of the terms and conditions confirmation screen. The customer confirms the contents of the terms and conditions and then selects either cancel or consent.

  In the securities trading system, the selection of the consent button is confirmed (S20), and if the consent button is not selected and the cancel button is selected, a cancel screen is displayed on the user terminal (S21). When the consent button is selected, an initial password is issued and registered for the opened account.

  FIG. 9 shows an example of the password registration table of the securities trading system. The account information table is linked with the account number used as the login ID as a key, and the initial password is automatically assigned. The password can be changed by the customer at any time in consideration of the convenience and safety of the customer, and the change history is recorded in the password registration table, but the latest password is treated as a valid password. However, since the initial password is used for personal authentication when the customer forgets the password registered later, the initial password is sent to the customer by mail or the like for storage. Therefore, it is necessary not to delete the initial password even when the password registration table does not record the history but adopts a method of rewriting a valid password.

  At the time of normal account opening, the initial password is sent to the customer, and the subsequent password change is performed by the customer himself. In the present invention, at this stage, the valid password used by the customer at login The password received from the bank transaction system is automatically registered (S22). That is, a valid password is newly registered on the same date as the initial password issuance date, as in the example of the password registration table of FIG. The registered password is entered by the customer as a login password for the online securities service, but may be different from the online banking service or the same password. Since the registered password is also stored on the bank transaction system side, the customer can automatically log in to the online securities service via the online banking service.

  Although the valid password is automatically changed at the time of opening the account in this way, the initial password given first is used for personal authentication when the customer forgets the password, so the record is recorded in the password registration table In addition, it is sent to the customer by mail or the like, and storage is required.

  When the password is registered, an ID registration screen is displayed on the user terminal (S23). FIG. 13 shows an example of the ID registration screen. A login ID is displayed and an initial password is notified later. The customer confirms this screen and selects either the cancel or consent button.

  In the securities trading system, the selection of the consent button is confirmed (S24), and if the consent button is not selected and the cancel button is selected, a cancel screen is displayed on the user terminal (S25). When the consent button is selected, a transaction completion screen is displayed on the user terminal (S26). Further, the login ID assigned to the opened account is transmitted to the bank transaction system (S27).

  The flowchart of FIG. 16 shows a flow in which the bank transaction system sets automatic login to the securities transaction system. The bank transaction system receives the login ID of the established securities transaction account from the securities transaction system through a dedicated line or the like (S28). The received login ID is registered in the automatic login registration table of the bank transaction system as an automatic login destination (S29). In addition, the log-in password for the net securities service that has been previously input in the bank transaction system is registered as a login password for the securities transaction system in association with the login ID received from the securities transaction system in the automatic login registration table (S30). ).

  FIG. 7 shows an example of an automatic login registration table of the bank transaction system. The automatic login registration table is a contract number that identifies a bank transaction account and is linked to the account information table and the like, and a consignor number that identifies the other party for which automatic login is set is registered. Each automatic login destination is linked to a table for registering the detailed information of the automatic login destination using the consignor number as a key, and this includes a URL and IP address for specifying a server to be accessed by the online securities service. The login ID and password are registered.

  In this way, when the automatic login registration table is provided, when the customer selects the login from the net banking service to the online securities service, the consignor number of the other party to log in is specified, and the table corresponding to the entrustor number The login ID and password such as the URL of the access destination can be read out from the URL, and the securities trading system can be automatically accessed using these data to log in to the net securities service.

It is a block diagram which shows the whole structure of the securities trading account opening system concerning this invention. It is a figure which shows an example of the account master table of the bank transaction system which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the account holder information table of the bank transaction system which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the password registration table of the bank transaction system which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the customer information table of the bank host which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the account transfer registration table of the bank transaction system which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the automatic login registration table of the bank transaction system which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the account information table of the securities trading system which comprises the securities trading account opening system concerning this invention. It is a figure which shows an example of the password registration table of the securities transaction system which comprises the securities transaction account opening system concerning this invention. It is a figure which shows an example of the securities account opening screen displayed on a user terminal by the securities trading account opening system concerning this invention. It is a figure which shows an example of the registration content confirmation screen displayed on the screen of a user terminal by the securities trading account opening system concerning this invention. It is a figure which shows an example of the agreement confirmation screen displayed on a user terminal by the securities trading account opening system concerning this invention. It is a figure which shows an example of the ID registration confirmation screen displayed on a user terminal by the securities trading account opening system concerning this invention. In the method for opening a securities trading account according to the present invention, it is a flowchart showing a flow in which a bank transaction system accepts a securities trading account opening. It is a flowchart which shows the flow in which the securities trading system opens a securities trading account in the securities trading account opening method concerning this invention. 6 is a flowchart showing a flow in which the bank transaction system sets automatic login to the securities transaction system in the securities transaction account opening method according to the present invention.

Explanation of symbols

10 User terminal 20 Bank transaction system 21 Customer database 30 Bank host 40 Securities transaction system 41 Customer database

Claims (2)

A trader who wants to open a securities transaction account accesses a bank transaction system having a bank transaction account, and records information necessary for opening a new securities transaction account in the securities transaction system of the securities company via the bank transaction system . A method for opening a securities trading account ,
The bank transaction system receives a selection of a request for opening a securities transaction account from a terminal device operated by a trader connected through a network logged in to the bank system ;
For the bank transaction account established in the bank transaction system, the bank transaction system uses a customer number for identifying a customer who uses the bank transaction account and settles a transaction performed using the securities transaction account. The consignor number that identifies the securities company that will be the consignor in the case of performing an account transfer contract that is contracted to be performed by direct debit with the ID and password used in automatic login to the securities trading system of the securities company The account information storage unit is stored in association with the contract number of each bank transaction account, and the customer number of the trader is obtained from the contract number designated at the time of login for the trader. For each customer who identifies and uses the bank transaction system, customer information including information on whether or not the customer has been verified is assigned to each customer number. Steps from the customer information storage unit which stores in association, the acquired customer information corresponding to the customer number, the that identification of traders were made to perform the confirmation process if they were recorded in the customer information When,
In the step of executing the confirmation process, the bank transaction system displays a predetermined screen on the terminal device when the record that the personal identification has been performed is confirmed, and the securities transaction input to the terminal device Information necessary for opening an account, a password used for authentication in the securities transaction system input to the terminal device, and settlement of a transaction performed using the securities transaction account performed in the terminal device are the bank transaction Receiving a confirmation operation for an account transfer contract that is contracted to be performed by account transfer with an account;
When the bank transaction system accepts a confirmation operation for the account transfer contract, the securities company is specified as the conclusion record of the account transfer contract in the account information corresponding to the contract number of the trader in the account information storage unit. Recording a consignor number to be transmitted, information necessary for opening the securities transaction account, and transmitting the password to a securities transaction system of a securities company corresponding to the consignor number;
When the securities trading system receives the information necessary for opening the securities trading account and the password, it creates an account file related to the securities trading account for the trader and assigns an ID for identifying the trading account. And recording in the account file;
The securities trading system records information necessary for opening the securities trading account in the account file;
The securities trading system automatically assigns an initial password to be used for personal authentication when the valid password for the securities trading account is forgotten, and records it in the account file;
Recording the password received from the bank transaction system in the account file as a valid password at the time of authentication;
The securities trading system transmitting the ID recorded in the account file to the bank trading system;
When the bank transaction system receives the ID, recording the ID in association with the password accepted by the bank transaction system in the account information corresponding to the contract number of the trader in the account information storage unit;
A method for opening a securities trading account. A trader who wants to open a securities transaction account accesses a bank transaction system having a bank transaction account, and records information necessary for opening a new securities transaction account in the securities transaction system of the securities company via the bank transaction system . Securities transaction account opening system for the bank transaction system,
With respect to the bank transaction account established in the bank transaction system, a customer number for identifying a customer who uses the bank transaction account and settlement of transactions performed using the securities transaction account are performed by account transfer with the bank transaction account. Account information including a consignor number that identifies the securities company to be a consignor when an account transfer contract is signed, and an ID and password used in the automatic login to the securities trading system of the securities company Is stored in association with the contract number of each bank transaction account,
Customer information storage means for storing customer information including information relating to the presence or absence of identity verification of the customer for each customer using the bank transaction system in association with each customer number;
Account opening request accepting means for accepting selection of a securities trading account opening request from a terminal device operated by a trader connected through a network logged in to the bank system ;
Referring to the account information storage means , the customer number of the trader is specified from the contract number specified at the time of login for the trader, and customer information corresponding to the customer number is obtained from the customer information storage means Then, an account opening determination means for executing a confirmation process as to whether or not it is recorded in the customer information that the identity confirmation of the trader has been performed,
In the account opening determination means, when the record that the identity verification has been performed is confirmed, a predetermined screen is displayed on the terminal device, and information necessary for opening a securities trading account input to the terminal device; The settlement of the transaction performed using the password used for authentication in the securities transaction system input to the terminal device and the securities transaction account performed in the terminal device is performed by account transfer with the bank transaction account. An operation for confirming an account transfer contract for contracting, an account opening information receiving means for receiving,
When the account opening information receiving means accepts a confirmation operation for an account transfer contract, the securities company is specified as the conclusion record of the account transfer contract in the account information corresponding to the contract number of the trader in the account information storage means. Account transfer recording means for recording the consignor number;
When the account opening information accepting unit accepts a confirmation operation for the account transfer contract, the information necessary for opening the securities trading account accepted by the account opening information accepting unit and the password correspond to the entrustor number. An account opening information transmitting means for transmitting to a securities trading system of a securities company,
The securities trading system includes:
Account opening information receiving means for receiving information necessary for opening the securities trading account and the password from the bank transaction system;
Account file creation means for creating an account file related to a securities trading account for the trader, numbering an ID identifying the trading account, and recording it in the account file;
Account opening information recording means for recording information necessary for opening the securities trading account in the account file;
An initial password recording means for automatically assigning an initial password for use in authentication of a person who has forgotten a valid password for the securities trading account, and recording the initial password in the account file;
Password recording means for recording a password received from the bank transaction system as a valid password at the time of authentication in the account file;
ID transmitting means for transmitting the ID number assigned by the account file creating means to the bank transaction system,
Furthermore, the bank transaction system includes:
ID receiving means for receiving the ID from the securities trading system;
A securities transaction account comprising: ID recording means for recording the ID in association with the password accepted by the password accepting means in account information corresponding to the contract number of the trader in the account information storing means Opening system.

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