JP5139715B2 - Financial transaction service method and financial transaction service system using mobile phone - Google Patents

Description

  The present invention relates to a financial transaction service method and a financial transaction service system using a mobile phone terminal, and more particularly, to perform transfer using a mobile phone number or an e-mail address corresponding to the mobile phone number instead of an account number. The present invention relates to a financial transaction service method and a financial transaction service system using a mobile phone.

  Conventionally, the bank transfer is usually performed by the transfer person entering the account number and the amount of the payee and confirming the name of the payee and then transferring the money.

  In addition, a transfer method has been proposed that makes it possible to perform a transfer transaction even when the account number of the transfer destination is not known, and in particular, makes it easy to transfer a congratulatory money such as a gift card or wedding gift (see Patent Document 1) ).

  The technique of this patent document 1 is that “the transfer person sends the transfer destination information such as the address of the transfer destination and the e-mail address together with the transfer amount to the bank office, and the bank office center receives the transfer address (reception To the account designated by the recipient, and the amount designated by the depositor is transferred. "

  In recent years, there has also appeared a financial transaction service in which bank transfer can be performed using a recipient's e-mail address without using an account number (see Non-Patent Document 1, for example). This non-patent document 1 (Nihon Keizai Shimbun evening edition, March 23rd (Thursday), 2006, the first article titled “New Money Consideration Part 1 New World 5 Opened by Electronics”) If you enter the recipient's email address and amount from the mobile phone to the bank's website, the recipient (recipient) will receive an email from the bank, and if the recipient follows the instructions in the email, their bank account (It is also possible for recipients to specify other bank accounts and postal savings accounts), and this service is not only for settlement of net auctions, but also for membership fee collection and meal costs for alumni associations It is also used for split account settlement ”.

  The procedure for using the transfer service using this e-mail address is described on the homepage of the bank that implements this service.

For example, the following contents are described on the bank homepage.
(1) A depositor who has an account at the bank can register a plurality of e-mail addresses in the bank.
(2) When a transfer is made by designating the registered e-mail address, the transfer money is transferred to the bank account corresponding to the e-mail address.
(3) If the recipient has an account in the bank but the e-mail address is not registered in the bank, the transfer is credited to the account by registering the e-mail address in the bank.
(4) If the recipient does not have an account at the bank, click on the URL inserted in the transfer notification screen to access the bank site, and select “Open an account at the bank” from the receipt method selection screen. After selecting the “Receive” option and applying for an account, you will be sent a bank transfer by mailing your identity verification document (copy of your driver's license etc.) to the bank.
(5) The payee can also specify another bank account or a postal savings account and receive the transfer money. In this case, click the URL inserted in the transfer notification screen to access the bank site, and select “Receive transfer by specifying another bank account or postal savings account” from the receiving method selection screen. Then, by entering the account number and specifying the receiving account, the transfer money is deposited into the specified account.
(6) When the payee is not aware of the remittance, the payee himself cancels the remittance by clicking on the URL inserted in the transfer notification screen and performing a predetermined procedure (i.e., Refusal of transfer money).
(7) In addition, if the procedure by the recipient is not performed within a predetermined period from the time of notification of the transfer, the transfer is automatically canceled and the transfer money is refunded to the account of the transfer person.
JP 2001-273404 A Nikkei Evening, March 23, 2006 (Thursday), the first article titled “New Money Consideration Part 1 New World 5 Opened by Electronics”

  In the technique described in Patent Document 1, the e-mail address entered by the transfer person is used as a means for the bank to notify the payee that the transfer has been made, and the account of the payee is specified by the e-mail address. I don't mean. Only when the payee designates his / her account for receiving the transfer money, the recipient's intention to receive the transfer money can be confirmed and the account of the transfer destination can be specified. In addition, the recipient receives an e-mail from the bank every time there is a transfer, and the recipient must perform the procedure for specifying the recipient account each time, which incurs the recipient's burden. It cannot be said that there is no case. In particular, when a person who does not intend to use such a transfer service becomes a recipient, it cannot be said that there is a possibility that the person's psychological burden may become heavy.

  Further, the technique described in Non-Patent Document 1 can be seen as a concept of specifying a recipient's account by an e-mail address.

Hereinafter, the technique described in Non-Patent Document 1 will be considered.
(1) Since the e-mail address may include not only numbers but also alphabets and special symbols, it may be difficult to enter the e-mail address when performing the transfer operation. It is not possible to enter an e-mail address.
(2) The e-mail address is given to the contractor of the provider by an Internet provider unrelated to the bank, and the e-mail address basically tries to use the e-mail address. Therefore, it is not possible to confirm whether the account holder and the user of the e-mail match with each other. In other words, it cannot be said that there is no opaque part regarding the identification of the person (subject) who uses the electronic mail transfer service.
(3) In addition, since the payee can specify a bank account other than the bank or a postal savings account, from the perspective of the transfer person, which account the transfer was ultimately transferred to (ie, It cannot be said that there is no case where it is impossible to grasp the end of transfer money transfer.
(4) In addition, if a depositor who has not registered an e-mail address with the bank or a person who does not have an account with the bank is the recipient, an e-mail will be sent from the bank every time there is a transfer. In this case, the recipient is required to check the contents of the e-mail each time, determine whether or not to refuse the receipt, and where to place the receiving account, and take a predetermined procedure. In this regard, the recipient may be burdened. In particular, when a person who does not have any knowledge about the e-mail receiving service becomes a recipient, consideration must be given to the transfer person explaining the service to the recipient in advance. There may be cases.
(5) Especially for those who want to refuse the receipt of money from the beginning of the transfer by e-mail, the bank has received a transfer request from the transferor who is the bank's depositor. It is necessary to notify the payee that the transfer has been made, and in each case, the payee needs to take a procedure for rejecting the payment. A third party unrelated to the bank suddenly receives an email from the bank notifying the transfer. In such a case, it cannot be said that the psychological burden on the recipient is not increased.
(6) In addition, if a recipient who does not have an account at the bank intends to open an account at the bank in order to receive the transfer, the identity verification document (copy of driver's license, etc.) will be sent to the bank. There is no one who feels that opening an account is troublesome. For this reason, it cannot be said that there is a case where the account is not opened within a predetermined period and the transfer money is returned to the transfer person.

  The present invention has been made based on such considerations, and its purpose is to realize a convenient and convenient bank transfer service that does not use an account number, thereby improving convenience for bank users. Increase the transparency of the system that provides the service so that the person who uses the service and the movement of money can be clearly understood, and the recipient's intention is fully respected and the burden of the recipient's receipt procedure is sufficient. By doing so, it is necessary to realize a reliable new financial transaction service that anyone can use easily and with peace of mind.

  (1) In order to achieve the above object, the present invention has taken the following measures. That is, in the financial transaction service method using the mobile terminal of the present invention, the mobile phone company and the bank cooperate with each other and use the contractor information held by the mobile phone company, so that the mobile phone number or A financial transaction service method using a mobile terminal that enables transfer using an e-mail address corresponding to the mobile phone number, based on an operation of a transfer person who is a contractor of the mobile phone company The recipient's mobile terminal accesses the bank server via the communication network, and the recipient's mobile phone number instead of the account number or the recipient identification information including the e-mail address corresponding to the mobile phone number And the transfer amount information, the first step of transmitting, the recipient identification information and the contractor information held by the mobile phone company. As a result, when the payee is a contractor of the mobile phone company and the payee identification information matches the contractor information held by the mobile phone company, the payee owns an account with the bank. The bank server includes a second step of performing a transfer from the bank account of the transferor to the bank account of the payee on the condition that the bank has been opened. It is said.

  The mobile phone number is easy to input, and can be said to be unique information (a kind of identification information) given to the contractor from the mobile phone company when the mobile terminal is sold or contracted. In addition, at the time of contracting the mobile terminal, the mobile phone company “obtains basic information such as name, address, date of birth, and email address” from the contractor, and the mobile terminal has a mobile phone number. In addition, a mobile contract number and a terminal unique number (sometimes referred to as a terminal serial number or a terminal manufacturing number) that is identification information unique to the terminal are assigned. It has highly reliable information (contractor information) that can uniquely identify the contractor (user) of the mobile terminal. In addition, when the bank cooperates with the mobile phone company, the bank can use the mobile subscriber information held by the mobile phone company. Therefore, the information on the mobile subscriber can be used at the time of bank transfer. For example, by identifying the recipient of the service clearly and eliminating opacity by identifying the recipient, etc., for example, the recipient is identified only by the mobile phone number and name, and the specified amount is It can be possible to transfer to an account. Note that an e-mail address corresponding to a mobile phone number can be used in the same manner as when using a mobile phone number.

  In addition, in bank transfer services using mobile phone numbers or e-mail addresses corresponding to mobile phone numbers, this service is limited to subscribers of mobile phone companies affiliated with banks. Transfer of transfer money (from which account to which account) by making it possible to clearly identify the service user and restricting the bank account to be transferred only to bank accounts affiliated with mobile phone companies. It is possible to clearly identify whether the payment is to be made, and the recipient identification information (for example, the mobile phone number and full name) entered by the transferor, as well as the address and date of birth. To verify that the recipient is indeed a subscriber of the mobile carrier, and Objectively identify the payee, confirm that the payee has opened an account in the bank, and then transfer the payee's account at the bank to the payee's account To do. By using mobile subscriber information, the bank can clearly identify the recipient (not just the transferor), thus confirming who is using the service and eliminating the opacity, For example, it is possible to specify a recipient by only a mobile phone number and a name and transfer a predetermined amount to a partner account. Similarly, it is possible to specify a recipient only with an e-mail address and name corresponding to a mobile phone number and transfer a predetermined amount to the account of the other party.

  (2) Also, in the financial transaction service method of the present invention, whether or not the payee has opened his / her own account at the bank is determined by the payee identification information input by the transfer person or the mobile phone. Based on the contractor information held by the company, it is confirmed by searching the depositor information held by the bank.

  Once the recipient is identified (confirmed) by using the mobile subscriber information, the recipient identification information entered by the transfer person (eg, mobile phone number, e-mail address corresponding to the mobile phone number, name information) ) Or, the bank depositor information based on the subscriber information of the mobile phone company regarding the recipient (including information such as date of birth and e-mail address in addition to the mobile phone number and name information) (I.e., a database in which depositor information is stored using at least one of the above information as a search index is searched), so that the recipient has an account at the bank (At this time, if there is a payee's account, the account number is also specified at the same time), and in this way, the mobile phone number or an electronic mail corresponding to the mobile phone number is specified. Only the input of the Email address and name, etc., it is possible to specify the account to transfer money to transfer money.

  (3) Further, in the financial transaction service method using the mobile terminal of the present invention, the contractor information held by the mobile phone company is a mobile phone company mobile phone connected to the bank server via a communication network. It is stored on the telephone company server or stored on the bank server.

  Mobile subscriber information that can be referred to is stored and managed on the mobile phone company server (system operated by the mobile phone company) and stored and managed on the bank server (system operated by the bank). It is a clarification that both are assumed.

  (4) Further, in the financial transaction service method using the mobile terminal of the present invention, the contractor information held by the mobile phone company is carried by the mobile phone company linked to the bank server via a communication network. It is characterized by being stored on the telephone company server.

  In this way, since mobile subscriber information that can be referred to is linked to a bank server (a system operated by a bank), information stored and managed on a mobile phone company server (a system operated by a mobile phone company) When is changed or updated, the information on the bank server is also changed or updated in real time, so that the latest information can always be shared.

  (5) Further, in the financial transaction service method using the mobile terminal of the present invention, the recipient identification information is the recipient's mobile phone number instead of an account number or an e-mail address corresponding to the mobile phone number. , And all or part of the recipient's name.

  As a result, the recipient's mobile phone number or e-mail corresponding to the mobile phone number and the full name or part of the name, for example, the full name or a part of it (two kana characters, etc.) can be used to identify the recipient. Transfer can be performed.

  (6) Further, in the financial transaction service method using the mobile terminal of the present invention, in the first step, the display of the transferee's mobile terminal displays information on recipient candidates registered in advance. When any one of the recipient candidates is selected based on the operation of the transfer person, the recipient identification information is input to the mobile terminal of the transfer person.

  When entering phone numbers and e-mail addresses, it may take time to enter the phone number and e-mail address when there are many transfer destinations. Number or e-mail address is stored in association with each other, and at the time of transfer, the transfer destination information can be input to the mobile terminal by selecting one of the transfer destination candidates (for example, displayed as an icon). This facilitates the input of bank transfer information (recipient identification information).

  (7) Further, in the financial transaction service method using the mobile terminal of the present invention, in the second step, the recipient is a contractor of the mobile phone company, and the recipient identification information is stored by the mobile phone company. In addition to the fact that the payee has already opened his / her account with the bank, the payee has received a mobile phone number from the mobile phone company or the bank if it matches the contractor information he holds. Alternatively, on the condition that the intention of refusing to use the transfer service by the e-mail address corresponding to the mobile phone number is not indicated, the bank server reads the payee's account from the bank account of the payer. It is characterized by carrying out bank transfer to an account.

  Considering that some mobile phone company contractors do not wish to use the transfer service using the mobile phone number or e-mail address of the present invention, the recipient expresses his intention to refuse to use the service. In addition, every time a transfer request is made, the recipient's intention is confirmed and whether or not transfer is possible is determined. As a result, in the service of the present invention, the system itself (in other words, the system of the service) is allowed to reject the use of the transfer service itself by the mobile phone number or the e-mail address. Therefore, it is not necessary for the recipient himself / herself to send an intention to refuse the payment individually to the bank site every time there is a transfer, and sufficient consideration is given to those who do not want to use the service.

  (8) Further, in the financial transaction service method using the mobile terminal of the present invention, the recipient uses the mobile phone number or the e-mail address corresponding to the mobile phone number, which is performed with respect to the mobile phone company or the bank. The intention to refuse the use of the transfer service can be displayed when the mobile phone company presents the terms of use at the time of the contract of the portable terminal, or any time thereafter. It is recorded as information of the mobile subscriber in the telephone company.

  It is clear that the intention of refusal of the transfer service by the mobile phone number or the e-mail address of the present invention can be performed at the time of contracting with the mobile phone company (at the time of presenting the terms and conditions) or anytime thereafter, and the procedure therefor is As a general rule, it is clarified that what should be done to the mobile phone company.

  (9) In addition, in the financial transaction service method using the mobile terminal of the present invention, when the transfer is performed in the second step, the bank server indicates that the payee has received a transfer. If there is a comment or image addressed to the recipient from the transfer person, the comment or image is sent to the recipient together with the notice, while in the second step, the receipt is received. If the person is not a contractor of the mobile phone company, or if the recipient identification information does not match the contractor information held by the mobile phone company, the bank does not make the transfer, It is characterized by notifying an error.

  After the transfer by the mobile phone number or the e-mail address is completed, the bank notifies the payee of the transfer, and at that time, the payee's comments (including pictographs) and attached images are also notified to the payee. As a notification method, in addition to sending an e-mail to the recipient's mobile terminal, there may be a notification by calling the recipient's mobile terminal, or a notification by mail. As a result, it is possible to convey the feelings of the transfer person to the recipient, and the enjoyment of using the service is also increased. Further, when the transfer fails, the bank notifies the transfer person of an error, so that the transfer person can know, for example, in real time that the transfer has failed.

  (10) In the financial transaction service method using the mobile terminal of the present invention, the bank server counts the number of times the error is notified to the same transfer person, and the count value is equal to or greater than a predetermined value. If it becomes or exceeds the predetermined value, transfer to the transfer person or account name reference is disabled.

  Assuming that a person who makes a transfer using a mobile phone number or e-mail address appears for the purpose of performing an unauthorized search of mobile subscriber information held by a mobile phone company, an upper limit is set for the number of errors, and a predetermined condition When the condition is satisfied, the use of this service for the person, that is, the transfer or the account name reference is disabled (adoption of a lock system based on an error count). This makes it possible to prevent unauthorized retrieval of contractor information.

  (11) In the financial transaction service method using the mobile terminal of the present invention, the payee is a contractor of the mobile phone company, and the receiver specific information is the contractor information held by the mobile phone company. If the payee has not opened his / her own account at the bank, the bank server transfers the transfer amount from the transferor's account to a virtual account and transfers the payout Sending a notice to the person's mobile terminal that the transfer has been made and a notice that it is necessary to open an account at the bank in order to receive the amount transferred, and further transferring the transfer When there is a comment or image addressed to the recipient from a person, the comment or image is attached to the e-mail.

  Those who satisfy the eligibility as a recipient but need to open an account at the bank will be notified by the bank and will be temporarily pooled in a virtual account in the bank server until the account is opened. It is clarified to keep.

  (12) Further, in the financial transaction service method using the mobile terminal of the present invention, the recipient who has received a notification from the bank server that an account needs to be opened in the bank is sent to the bank within a predetermined period. When the account is not opened, the transfer amount pooled in the virtual account is returned to the account of the transfer person.

  If the payee does not open an account at the bank within a predetermined period, it is determined that there is no intention to receive the transfer money, and the transfer money is refunded to the transferee's account.

  (13) In the financial transaction service method using the mobile terminal of the present invention, the recipient who has received a notification from the bank server that it is necessary to open an account in the bank newly opens an account in the bank. Based on the operation of the recipient, the recipient's mobile terminal accesses the bank server via a communication network, and transmits a password at the time of the cellular phone contract in the cellular phone company together with the terminal specific number. And the first step of performing a match between the password transmitted from the recipient's mobile terminal and the password included in the contractor information held by the mobile phone company managed in association with the terminal unique number / Perform identity verification due to inconsistency, and pay properly over a specified period based on payment status information on mobile usage charges held by the mobile phone company The presence of the recipient in the address registered with the mobile phone company is confirmed by the determination of whether or not the address is registered, and the contractor information held by the mobile phone company is further used to support the recipient's A second step of acquiring basic information including an address, whereby the bank server performs identity authentication and opens an account of the payee.

  The recipient's mobile device that has received the account opening notification accesses the bank system and, as a rule, only inputs the password registered with the mobile phone company (password for the mobile phone company) from the mobile device when the mobile device is contracted. (If necessary, identity verification information such as name and date of birth may be required), and an account that can be transferred and transferred can be opened in real time. When opening an account at a bank, the so-called identity verification method requires the bank to verify the identity with a public certificate (driver's license, passport, etc.). The confirmation can be performed by a password (password for mobile phone company) registered with the mobile phone company at the time of contracting the mobile terminal.

  Further, the confirmation of the address of the principal can be confirmed, for example, by referring to the payment result information of the monthly mobile usage fee of the principal at the address of the cellular phone contractor owned by the cellular phone company. This is because, under the Identification Method, if the address on the bank account opening application is different from the address of the official certificate for identification, or if the passport address is handwritten, the address is In order to confirm, it is permitted to confirm the address by presenting the person with the payment of the utility bill (including the payment of the telephone usage fee) with the address described in the application, and there is no problem. . In order to improve the accuracy of identity verification, it is better to carry out identity verification based on the payment status of this mobile usage fee. However, in reality, it may be assumed that it cannot be implemented for some reason. In such a case, it is inevitable to omit the address confirmation. In order to confirm that a specific address is the home of the person's life and daily activities, it is necessary to check the payment status over a period of time (preferably at least the last three months). It is believed that there is. If the payment has been delayed or the payment has suddenly deteriorated recently, a statement that prompts you to come to the bank counter rather than refuse to open the account itself. It is desirable to display on the display of the portable terminal.

  However, the conditions for identity verification based on the payment results of mobile usage fees are not limited to the above conditions, and flexible conditions can be set for various cases by combining various requirements such as weighting the conditions. It is also possible to perform. In addition, the bank may acquire the basic information (address, name, date of birth, etc.) of the principal in the application for opening an account by using the mobile subscriber information held by the mobile phone company. Is possible. Therefore, by utilizing the contractor information held by the mobile phone company, the bank can obtain information necessary for opening an account. However, simply by obtaining the necessary information from the mobile phone company, the procedure of the financial institution identity verification method is not completed. To the bank card and the account opening site, and the URL for accessing the bank card information and bank password information, etc. are sent to the person, and the person accesses the URL. The identity verification by the bank will be completed only after confirming that it has been entered. On the other hand, the identity verification method does not require completion of identity verification before the opening of the account. However, it is allowed to complete the identity verification procedure after opening an account. Therefore, it is determined that there is no problem in allowing the opening of an account (temporary account) that can only be transferred and withdrawn when it is backed by reliable information held by the mobile phone company, After that, it is considered necessary to transfer the temporary account to an official account that can be cashed after the bank has performed the identity verification procedure using the limited mail. For this reason, it is possible to open an account that can be transferred online.

  In the transfer service method using the mobile phone number of the present invention, the account of the transfer destination is limited to the account in the bank, but by providing this online account opening service, the recipient goes to the bank, You can save money by sending a copy of your identity verification document (driver's license, etc.) and open an account to receive a deposit. Therefore, sufficient consideration is given so that a situation in which the payee cannot receive the transfer money within a predetermined period due to troublesome account opening is not caused.

  (14) In the financial transaction service method using the mobile terminal of the present invention, the account opened in the second step is a temporary account that can only be transferred and debited. After the temporary account is opened, Access to the bank server by the person who received the personal limited mail based on information including the bank password sent by the bank to the payer's address by the personal limited mail and access information to the bank server; By performing predetermined registration based on the inputted bank password, the temporary account is transferred to a regular account with no restrictions on usage.

  According to the financial institution identity verification method, it is not required to complete identity verification prior to opening an account, but after the account is opened, the bank needs to complete the identity verification procedure. Therefore, after opening a temporary account, the bank sends the URL for accessing the account opening site and bank password information to the address of the contractor of the mobile terminal by mail limited to the person, and these are safely delivered to the person. Then, the person accesses the URL, confirms that the bank password has been entered and the prescribed procedure has been performed, thereby completing the identity verification by the bank, and using the temporary account, It will be transferred to an official account with no restrictions.

  (15) In addition, the financial transaction service system using the mobile terminal of the present invention allows the mobile phone company and the bank to cooperate with each other and use the contractor information held by the mobile phone company to carry the mobile phone instead of the account number. A financial transaction service system using a mobile terminal that enables a transfer using a telephone number or an e-mail address corresponding to the mobile phone number, and includes a communication interface and information search, verification and confirmation A bank server accessible from a mobile terminal via a communication network, a communication interface, an information server, an authentication server to perform, an account information database for storing depositor information, and an accounting system for managing deposits and withdrawals An authentication server for searching, checking and checking; a mobile subscriber database for storing the subscriber information; A mobile phone company server connected to the bank server via a communication network, and a mobile terminal of a transfer person who is a mobile subscriber of the mobile phone company sends a transfer request and an account number to the bank server. When the recipient-specific information including an alternative recipient's mobile phone number or an e-mail address corresponding to the mobile phone number is transmitted, the recipient is a subscriber of the mobile phone company based on the subscriber information Whether the recipient identification information matches the contractor information, and that the recipient refuses to use the transfer service by the mobile phone number or the e-mail address corresponding to the mobile phone number. The authentication server in the bank server or the authentication server in the mobile phone company confirms that the intention is not displayed. And the payee has opened a self-named account at the bank, the account system in the bank server causes the payee's account at the bank to It is characterized by the transfer to the bank account.

  When a bank server and a mobile phone company server are linked to each other via a communication network, and the mobile terminal user accesses the bank server and the telephone number transfer service is selected, the bank server becomes the mobile phone company server. Exchange information required in the background and use the mobile subscriber information to identify and confirm the recipient, and then confirm the recipient's account and perform the transfer. . The mobile phone company restricts users to mobile phone company subscribers, restricts the transfer of money to the bank, and confirms the identity of the mobile phone company, such as a mobile phone number or an email address corresponding to the mobile phone number. This is a system that allows the transfer to be made using unique (unique and unique) identification information given afterwards. By supplementing bank procedures with information held by mobile phone companies, a highly reliable, safe, easy and convenient financial transaction service is realized.

  (16) In the financial transaction service system using the mobile terminal of the present invention, the mobile phone company server further includes a payment status database for storing payment status information of mobile usage charges, and the recipient receives If the subscriber is a contractor of the mobile phone company and the match between the recipient identification information and the subscriber information is confirmed, but the account of the recipient does not exist in the bank, the account system Temporarily pool money in a virtual account, and then based on the recipient's operation, the recipient's mobile terminal accesses the mobile phone company server via the bank server and based on the recipient's operation The mobile phone charge is verified by verifying the identity of the password confirmed at the time of the contract with the mobile phone company and the password included in the contractor information. Based on the payment status information, the presence in the address registered with the recipient's mobile phone company is confirmed, and by using the contractor information, basic information including the recipient's address information is The bank server permits the recipient to open an account that can be transferred and transferred to the bank server on the condition that the account is sent to the bank server. The transfer money pooled in the virtual account is transferred to the opened recipient's account, whereby the transfer procedure is automatically completed.

  The system according to the present invention is provided with an account opening service function that enables online transfer and deposit. As a result, even if the users who can use this service are limited to subscribers of mobile phone companies, the convenience of recipients who do not have an account at the bank will not deteriorate. In other words, for example, a recipient who does not have an account can open an account simply by accessing the bank site from the URL inserted on the transfer notification screen and entering the mobile phone company password. Then, the transfer money pooled in the virtual account is automatically deposited into the account. Therefore, it is possible to easily receive the deposit.

  According to the present invention, it is possible to perform transfer by specifying a recipient using a mobile phone number or an e-mail address corresponding to the mobile phone number instead of an account number, thereby improving convenience for bank users. Therefore, for example, remittance can be easily performed within close friends.

  If the recipient has an account at the bank, the recipient's account is specified by the mobile phone number or the email address corresponding to the mobile phone number, and the transfer is completed immediately. Only receives a notification that there has been a transfer, does not require the effort to indicate whether or not to receive the transfer, and does not require the process of specifying an account to receive the transfer. That is, a simple transfer method that is completely equivalent to a transfer using a normal account number is realized.

  In addition, since the mobile phone number is composed only of numbers, when transferring using the mobile phone number, there is an advantage that input and storage are easier than with an e-mail address.

  In addition, the mobile phone number and the email address corresponding to the mobile phone number are given through a strict identity verification procedure by the mobile phone company, unlike the email address by the provider that the user himself can freely acquire as many as possible. If the mobile phone number or the e-mail address corresponding to the mobile phone number is used, there is an advantage that the person can be uniquely specified.

  Further, in the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention, the user of the service is limited to only the contractor of the mobile phone company. There is an advantage that the bank can quickly confirm the identity of the user of the service by the collation determination using the mobile subscriber information associated with the electronic mail address corresponding to the telephone number.

  Therefore, in the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention, the user is always clearly grasped, and there is no opaque part about the user, and the transfer is performed with peace of mind. Is possible.

  In addition, in the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention, the account from which the recipient can receive the transfer money is limited to the account in the bank. Gold movement is limited within the bank. The implementation of the transfer service is grasped by the bank from deposit to withdrawal, and the implementation history of the service is also managed by the bank, so there is no opaque part regarding the transfer of the transfer.

  In addition, the contractor of the mobile phone company is presented with the terms of use (use agreement) from the mobile phone company at the time of contracting the mobile terminal, and corresponds to the mobile phone number or mobile phone number by the affiliated bank. When the information indicating that the transfer service by the e-mail address can be received is presented, and there is no intention to receive the service, an opportunity to express the intention to reject the service is given. Therefore, when a recipient who does not have an account at the bank receives a notification from the bank that "an account must be opened in order to receive the deposit," the notification is unknown to the recipient. It can be said that it is not a notification of unknown contents from the bank (so-called abrupt notification) but a notification that has been assumed in advance, and in this respect, the receipt that received the transfer notification and does not have an account at the bank There is almost no human psychological burden.

  In addition, a mobile subscriber who wishes to refuse the use of a transfer service using a mobile phone number or an e-mail address corresponding to the mobile phone number, intends to do so to the mobile phone company at the time of contracting the mobile terminal or at any time thereafter. , So that even if there is a transfer request with that person as the recipient, the transfer request will be rejected, and the person will not receive any notification from the bank, There is no burden on the person. That is, in the service of the present invention, the bank can check not only the intention of the requester of the transfer but also the intention of the recipient and determine whether or not the transfer can be made. The refusal to use the service is secured in the system (in the service system), and there is no situation that makes mobile terminal subscribers who do not want to use the service feel uncomfortable.

  Further, the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention is provided with a service that can open a new account in real time by access from the mobile terminal. Therefore, due to the fact that opening an account is troublesome, the recipient will not be able to receive the deposit within a specified period of time, so that sufficient consideration will be given, and in terms of opening a new account, It is considered that the convenience for the user hardly decreases.

  According to the present invention, it is possible to improve the convenience for bank users by realizing a convenient and convenient bank transfer service that does not use an account number, and at the same time, increase the transparency of the system that provides the service. Make sure that the person who uses the service and the movement of money are clearly understood, and that the recipient's will is fully respected and that the recipient's receiving procedure is sufficiently reduced. It is possible to realize a reliable and new and innovative financial transaction service that anyone can use easily and safely.

Next, embodiments of the present invention will be described with reference to the drawings.
(First embodiment)
FIG. 1 is a diagram for explaining an outline (main feature points) of a financial transaction service method (transfer method using a mobile phone number) using a mobile terminal of the present invention.

  The person who can use the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention is only the contractor of the mobile terminal of the mobile phone company 10, and in the service of the present invention, Remittance is possible only between accounts in the bank 30.

  That is, the bank 30 cooperates with the mobile phone company 10, and the bank 30 uses the mobile subscriber database 20 held by the mobile phone company 10 to use the main parties (transferr (X) and payee (Y): , Confirm the recipient (Y)), identify the recipient (and the recipient's bank account), and perform the transfer, so that the mobile phone number or e-mail corresponding to the mobile phone number Bank transfer can be performed using the address instead of the account number.

  Therefore, the transfer person (X) and the payee (Y) must be contractors of the mobile phone company 10 (in FIG. 1, the mobile user (X), ( Y) indicates that both are customers of the mobile phone company 10), and the recipient (Y) is the mobile phone company 10 as shown by the dotted line on the right end of FIG. If you are not a contractor, you cannot use the transfer service of the present invention.

  Here, the contractors (mobile subscribers) of the mobile phone company include, in a broad sense, “a person who only contracts a telephone contract” and “a person who contracts both a telephone and an e-mail”. However, in reality, since it is considered that there are many occasions where e-mail is used, the beneficiaries of this service may be limited to only those who have contracted including e-mail. In this case (the latter case), there is an advantage that the effect of increasing the number of contracts with not only telephones but also electronic mails can be expected with the telephone number transfer service of the present invention. In the present embodiment, a case where transfer is performed using a mobile phone number will be described as an example. A similar service can also be realized by an e-mail address corresponding to a mobile phone number.

  Further, the transfer person (X) needs to have a self-name account at the bank 30 at the time of transfer, while the payee (Y) has an account at the bank 30 in order to receive the transfer money. It is a condition. However, the recipient (Y) does not need to have an account at the time of the transfer operation of (X). After receiving a notice from the bank 30 that the transfer has been made, the recipient (Y) opens an account at the bank 30. Then, the transfer money will be deposited into the new account at that time. The establishment of an account (temporary account) that can deposit the transfer amount can be performed in real time using the portable terminal 2b of (Y). However, actually withdrawing money from the account opened in real time using the mobile terminal 2b (cashing), the procedure was followed according to the necessary documents sent from the bank 30 by the limited mail. This will be possible later (this point will be described in detail later).

  In FIG. 1, a depositor file is created for each depositor in the cellular subscriber database 20 held by the cellular phone company 10, and the cellular subscriber information 3a and 3b of (X) and (Y) are individually managed. ing.

  As shown in FIG. 1, the mobile subscriber database 20 includes, for example, mobile subscriber number, mobile phone number, e-mail address, name, address, date of birth, password (A) as information on the subscriber (Y). (This is the password for the mobile phone company that the mobile phone company 10 acquired and registered from the contractor (Y) at the time of the mobile phone contract), and the use flag (the mobile phone carried by the bank 30 by the mobile phone subscriber) Information indicating whether or not there is an intention to refuse to provide the telephone number transfer service).

  The user of the mobile phone company can notify the mobile phone company of the refusal to use the mobile phone number transfer service at the time of presenting the terms of use at the time of contracting the mobile terminal or at any time thereafter. Each time, the user's usage flag is changed to “service denial” and registered. Therefore, if this user flag is confirmed, it can be confirmed whether or not the mobile terminal user is permitted to use the service. The service checks the use flag every time a transfer request is made. Shall be implemented.

  As of April 1, 2006, the “Act on Identification of Subscribers, etc. by Mobile Voice Communications Operators and the Prevention of Unauthorized Use of Mobile Voice Communications Services (the so-called Mobile Phone Unauthorized Use Prevention Law)” As a result, the mobile phone company 10 is obliged to confirm the identity of the subscriber when the mobile terminal contract is concluded or transferred. The mobile phone company 10 must have it.

  In general, mobile subscriber information that can be referred to by the bank is stored and managed in the system of the mobile phone company 10, as shown in FIG. If permitted by the system, it may be stored and managed on a system operated by a bank.

  Further, the mobile phone company 10 manages the payment status of the monthly mobile usage fee of each mobile subscriber in the payment status database 22. The payment status of the mobile usage fee is used to confirm the address of the person when a new account is opened (this will be described later).

  Hereinafter, the use procedure of the transfer service using the mobile phone number according to the present invention will be described.

  First, the transfer person (X) accesses a system (bank server) operated by the bank 30 and inputs identity verification information to log in to the site (this identity authentication method will be described later). The transfer person (X) selects telephone number transfer from the transfer menu. At this time, the screen of the transferor's (X) mobile terminal displays “the balance of his / her account”, “transfer amount”, “recipient's phone number”, “recipient's name (full name)” "If necessary, input fields for" comment "and" attached image "are displayed. The transfer person (X) inputs “transfer amount”, “recipient's telephone number”, and “recipient's name (full name)”, and transmits them to the account system of the bank 30 (step S1).

  Next, the billing system of the bank 30 inquires the mobile phone company 10 about the input telephone number and name information of the recipient (Y) (step S2). The mobile phone company 10 collates the telephone number and name of the input recipient (Y) with the mobile subscriber information stored in the mobile subscriber database 20 in the mobile phone company 10 and matches / mismatches the information. Determine. At this time, it is also confirmed whether or not the recipient (Y) has made an intention to refuse to use the service. Then, the result (information match / mismatch, use flag ON / OFF) is transmitted to the account system of the bank 30 (step S3).

  If the recipient (Y) refuses to use this service due to the usage flag, the recipient's (Y) intention is prioritized and the transfer process is stopped. If the payee (Y) has not refused to use the service, and if the information match is confirmed and the payee (Y) is identified in step S3, the billing system of the bank 30 is Furthermore, the depositor database (not shown in FIG. 1) in the bank 30 using either the information input in step S1 or the information obtained from the mobile subscriber database 20 of the mobile phone company 10. To determine whether the payee (Y) has an account in the bank 30.

As a result of such inquiry processing (confirmation processing), the following three cases can be considered. That is,
The first case is when the recipient's (Y) phone number and name do not match, or the recipient (Y) is not a user of the mobile phone company 10;
The second case is when the recipient (Y) information entered by the transferor (X) is accurate, but the recipient (Y) does not have a self-owned account at the bank 30,
In the third case, the information on the recipient (Y) input by the transfer person (X) is accurate, and the account of the recipient (Y) has already been established in the bank 30.

  Here, in case 1, the account system of the bank 30 determines that the transfer is not possible, and notifies the transfer person (X) of an error (step S4). In addition, in order to prohibit access for the purpose of fraudulent retrieval of mobile terminal contractor information, the number of errors is counted and recorded, and the number of consecutive errors exceeds a predetermined number (or exceeds a predetermined number). The person's use of the transfer service by mobile phone number is prohibited (adopting a lock system by counting the number of errors).

  Further, in case 2, the account system of the bank 30 sends a confirmation message to the transfer person (X ) To the portable terminal 2a to prompt the consent of the transfer person (X) (step S4).

  Further, in case 3, the account system of the bank 30 transmits the remittance confirmation screen information to the portable terminal 2a of the transfer person (X) to prompt confirmation and transfer operation of the transfer person (X) (step S4). ).

  In the case 2 and case 3 described above, when the transfer person (X) performs an operation for confirming the transfer (step S5), the banking system of the bank 30 performs operations corresponding to the cases (2) and (3). To do.

  In the case (3), since all preparations for receiving the transfer money of the payee (Y) are complete, the account system of the bank 30 transfers the transfer amount (for example, 500 yen from the account of the transfer person (X)). ) Is withdrawn and deposited into the account of the recipient (Y) (step S6 (1)).

  In the case (2), since it is necessary to wait for the recipient (Y) to open an account, the transfer amount (500 yen) is withdrawn from the account of the transfer person (X), and the virtual account (in the bank 30). It is temporarily pooled in the provided account 4 for temporarily depositing (pooling) the transfer money (step S6 (2)).

  In the case (3), the bank 30 notifies the payee (Y) mobile terminal 2b that the transfer has been made (step S7 (1)). In the case (2), the receiver (Y) 's mobile terminal 2b is notified of the transfer and a message that the account needs to be opened in order to receive the transfer. . If there is a comment or attached image from the transfer person (X) in steps S7 (1) and S7 (2), the comment and the like are also sent together with the payment notification message to the portable terminal 2b of the recipient (Y). Sent to.

  In case (2) above, if the recipient (Y) who received the payment contact message wishes to receive the transfer, he / she accesses the system (bank server) operated by the bank 30 to open an account. The procedure is executed (step S8). By embedding URL information for accessing the system of the bank 30 in the deposit contact message screen from the bank, the recipient can perform an operation for opening an account immediately after receiving the deposit message. It becomes like this.

  The operation for opening an account in step S8 is based on the input of the password (mobile phone company password) obtained when the mobile terminal is contracted. When the bank 30 accepts the account opening request from the payee (Y), the bank 30 is required to open an account based on the mobile subscriber information held by the mobile phone company 10 and the payment status information of the mobile usage fee. Acquire recipient (Y) information, perform identity verification (step S9), and after confirmation is received, new account for recipient (Y) (however, it is only possible to transfer and withdraw money) 6), which is a temporary account with limited functions. Then, the transfer amount (500 yen) pooled in the virtual account 4 is transferred to the new account 6 of the recipient (Y) (step S10). Thereby, the transfer process in case 2 is completed. Thereafter, the bank 30 is notified of the completion of the transfer procedure to the transfer persons (X) and (Y).

  On the other hand, in case 2 where the recipient (Y) does not take the procedure for opening an account within a predetermined period (for example, within 30 days), the transfer amount pooled in the virtual account 4 (500 yen) ) Is returned to the account of the transfer person (X) (step S11), and this is notified to the transfer person (X).

  FIG. 2 is a view showing an example of a screen displayed on the transfer person's mobile terminal when using the transfer service by the mobile phone number of the present invention, and FIG. 2A is a view showing an example of the transfer menu screen. (B) is a figure which shows the example of a screen at the time of selecting the transfer service by a mobile telephone number.

  In FIG. 2A, a screen 7 for selecting either a normal transfer or a telephone number transfer is displayed on the display of the transfer terminal (X) mobile terminal 2a. When the transfer person (X) selects the mobile phone number transfer, as shown in FIG. 2 (b), the current deposit balance of the account of the transfer person (X), the transfer amount, the telephone number of the transfer destination, In addition, an input field for comments (pictograms are possible) is displayed. When the transfer person (X) inputs information in each column and presses the lower determination button, the input information is transmitted to the bank 30 in FIG.

  Here, although the input of the telephone number is simpler than the input of the e-mail address, it is expected that it is difficult to store the telephone number when there are many transfer destinations.

  In this case, transfer destination candidates are extracted in advance and stored in association with mobile phone numbers, and at the time of transfer, one person is selected from the candidates for transfer destinations (for example, displayed with icons). Thus, it is effective to enable the transfer destination information to be input to the mobile terminal. In this way, it is possible to facilitate the input of information on the payee (recipient identification information).

  FIG. 3 shows a summary of the main procedure of transfer by mobile phone number described above. FIG. 3 is a flowchart showing the main procedure of transfer by mobile phone number.

  First, the depositor logs in to the bank site from the mobile terminal, selects “telephone number transfer” from the transfer menu (ST10), inputs the recipient's mobile phone number, nomination, and remittance amount, and sends them to the bank ( ST11).

  Next, the bank searches the cellular phone subscriber database (determining whether it is installed in the banking system or the mobile phone company system in consideration of institutional problems, etc.) Mobile phone number and name are checked against mobile subscriber information. At the same time, the use of the telephone number transfer service flag is checked (ST12).

  As a result, the use flag of the telephone number transfer service is on (ST13), the recipient is a user of the mobile phone company (ST14), the entered mobile phone number and name are correct (ST15), and the recipient Is already opened in the bank (ST16), the transfer person (X) confirms the details of the transfer and confirms the transfer (ST17). A payment notice (a comment and an image are also added) is transmitted to the person (Y) (ST19).

  In ST13, ST14, and ST15, in the case of N (No), an error notification (transfer impossible notification) is issued from the bank to the payee (Y) (ST20).

  In ST16, if the payee (Y) does not have an account, an inquiry message “Transfer is possible on condition that the payee opens an account but remittance” is made. After displaying the above and obtaining consent (ST21), the remittance processing is performed (ST22).

  The bank pools the transfer money in the virtual account (ST23), and notifies the recipient (Y) of “payment notification” and “account opening required” (with comments and images added) (ST24). ). Thereafter, when the recipient opens an account, the pooled money of the virtual account is moved to the newly opened account (ST25), and the recipient (Y) is notified of payment completion from the bank (ST26).

  FIG. 4 is a flowchart showing the processing procedure of the transfer money temporarily pooled in the virtual account because the recipient's bank account is not opened.

  That is, when the payee (Y) who has received the transfer notification subsequently opens an account in the bank (ST30), the transfer money pooled in the virtual account is automatically transferred to the newly opened account (ST31). . Then, the transfer completion is notified to both the transfer person (X) and the payee (Y) (ST32).

  On the other hand, when the procedure for opening an account by the recipient (Y) is not taken and the predetermined pool period expires (ST33), a process of returning the pooled transfer money to the account of the transferer is performed (ST34). Then, both the transfer person (X) and the payee (Y) are notified of the transfer failure (ST35).

(Second Embodiment)
In this embodiment, an outline (main feature points) of a procedure in which a recipient who has received a transfer notice from a bank opens an account in the bank in real time using a mobile terminal will be described.

  FIG. 5 is a diagram for explaining an outline of a procedure for opening a bank account in the financial transaction service method (mobile phone number transfer service method) using the mobile terminal of the present invention.

  In the lower left side of FIG. 5, information that the mobile phone company 10 gives to the recipient (Y) and receives from the recipient (Y) at the time of selling / contracting the portable terminal 2 b of the recipient (Y) is illustrated. It is enumerated. As shown in the figure, when the mobile phone company 10 sells mobile terminals, it performs a strict registration procedure and exchanges necessary information.

  That is, the mobile phone company 10 obtains the “name (kanji / kana)”, “address (kanji / kana)”, “birth date”, “password for mobile phone company” from the mobile subscriber (Y) at the time of the mobile phone contract. Each information of “password A)” is received.

  At the same time, the mobile phone company 10 adds “contractor number (added per contractor)”, “mobile phone number”, and “terminal unique number (added per terminal)” to the mobile subscriber (Y). To do. These pieces of information are registered as mobile subscriber information 450 in the mobile subscriber database (DB) 420, and are managed in association with the terminal specific number.

  In addition, the mobile phone company 10 acquires the payment information 4 of the monthly mobile usage fee of the mobile subscriber (Y) after the contract of the mobile terminal 2b, and registers and manages it in the payment status database (DB) 440. To do. The mobile usage fee payment information 4 is also managed in association with the terminal specific number.

  On the premise of such a situation, as shown in the upper center of FIG. 5, the mobile subscriber (Y) accesses the bank 30 from the mobile terminal 2b in the self-name and is automatically set in the mobile terminal 2b. Along with the terminal unique number, a password (A) (mobile phone company password) at the time of the mobile phone contract is transmitted to the bank 30 (procedure Q1).

  The bank 30 switches the connection destination of the gateway device (not shown) to the linked mobile phone company (procedure Q2), and transfers the transmitted terminal unique number and password (A) to the mobile phone company as they are. (Procedure Q3). From the viewpoint of preventing information leakage, it is not preferable for the bank 30 to know the contents of the mobile phone company password (password (A)) (or to be in a state where it can be known). The password (A) is not known at all, and the gateway connection destination is simply switched and transferred to the mobile phone company. In this respect, although apparently going through the bank 30, the mobile phone company password (password (A)) is substantially equivalent to being sent directly to the mobile phone company 10. As mentioned above, as for the mobile phone company password, as stated above, it is a principle that the bank is not involved, so the mobile phone subscriber Y can directly use the mobile phone company password together with the terminal unique number as the bank agent. There is no particular problem even if it is transmitted to the telephone company 10.

  The mobile phone company 10 receives the information sent from the bank 30, searches the contractor database 420 using the terminal unique number as an index, retrieves the contractor information 450, and is registered with the sent password (A). A match / mismatch with the current password (A) is determined. In the case of a mismatch, the bank 30 is notified of the mismatch of the password (A), and the bank 30 further notifies the mobile subscriber (Y) that “the password (A) does not match. It is not possible to open it. Please re-proceed at the bank window. "(Procedure Q4)

  On the other hand, when the match of the password (A) is confirmed, the mobile phone company 10 determines the mobile subscriber information 450 (name, address, date of birth, mobile phone number, e-mail address, etc.) in the mobile subscriber database 420. Then, the mobile usage fee payment information 4 in the payment status database 440 is transmitted to the bank 30 together with the terminal specific number (procedure Q5).

  The bank 30 receives the information sent from the mobile phone company 10, and first confirms that the fee has been paid without delay in the past three months based on the payment information 4 of the mobile usage fee. (Procedure Q6) If the confirmation cannot be obtained, “Because we cannot confirm the existence of the person at the address of the mobile subscriber (Y),” Please send a notification saying "Please re-proceed" to the mobile subscriber (Y) (step Q7).

  When the payment has been confirmed, the process proceeds to step Q8, and a temporary account (an account whose usage mode is restricted compared to a normal account) is opened. At this time, the bank 30 assigns the deposit contractor number, account type, and account number information to the depositor's temporary account.

  The above procedure Q6 (that is, confirmation of the existence of the person at the address registered with the mobile phone company by checking the payment status of the mobile usage fee) is preferably carried out from the viewpoint of improving the accuracy of the person confirmation, In reality, it may be assumed that it cannot be performed for some reason (in this case, it is unavoidable to omit the address check). In order to confirm that a specific address is the home of the person's life and daily activities, it is necessary to check the payment status over a period of time (preferably at least the last three months). It is believed that there is. If the payment has been delayed or the payment has suddenly deteriorated recently, a statement that prompts you to come to the bank counter rather than refuse to open the account itself. It is desirable to display on the display of the portable terminal. However, the conditions for identity verification based on the payment results of mobile usage fees are not limited to the above conditions, and flexible conditions can be set for various cases by combining various requirements such as weighting the conditions. It is also possible to perform.

  In order to open a temporary account, the depositor's name, address, date of birth, mobile phone number, e-mail address, etc. are required (usually the matters described in the application for opening an account) Here, in the procedure Q5, the mobile subscriber information 2 (name, address, date of birth, mobile phone number, e-mail address, etc.) transmitted from the mobile phone company 10 is used as it is to open a temporary account.

  Here, it is assumed that the temporary account can only be transferred and withdrawn, for example, and cannot be cashed (cash withdrawal) or transferred to another account. As mentioned above, simply by obtaining the necessary information from the mobile phone company, the procedure of the financial institution identity verification method is not completed, but only after the bank has performed the procedure to verify the identity of the bank (for example, the bank To the address of the person, the URL for accessing the cash card and the account opening site and the bank password information etc. are sent to the address of the person, and the information is delivered to the person safely, and the person accesses the URL, It is only after the bank password has been entered) that the identity verification by the bank has been completed. On the other hand, the identity verification method requires that identity verification be completed before the opening of the account. It is allowed to complete the identity verification procedure after opening an account. Therefore, it is determined that there is no problem in allowing the opening of an account (temporary account) that can only be transferred and withdrawn when it is backed by reliable information held by the mobile phone company, After that, it is considered necessary to transfer the temporary account to an official account that can be cashed after the bank has performed the identity verification procedure using the limited mail. For this reason, an account (temporary account) that can be transferred and transferred online is opened.

  In the transfer service method using the mobile phone number of the present invention, the account of the transfer destination is limited to the account in the bank, but by providing this online account opening service, the recipient goes to the bank, You will be able to open an account and receive a transfer without the hassle of sending a copy of your identity verification document (driver's license, etc.). Therefore, sufficient consideration is given so that a situation in which the payee cannot receive the transfer money within a predetermined period due to troublesome account opening is not caused.

  Next, after opening the temporary account, the bank 30 will receive the bank password (B) (which is different from the password (A) at the time of the mobile phone contract) and the access information necessary for registering the start of account use by the limited delivery mail. The account use start information including (dedicated URL) and other information such as a cash card are sent to the address 90 of the contractor (Y) of the mobile terminal 2b (procedure Q9).

  If the person (Y) is not resident at the address 90, the document sent by the person-only receipt mail should be returned for reasons of absence of the recipient, otherwise the mail document However, it is proof that the mobile phone subscriber (Y) has reached the address. As a result, the bank can confirm the existence of the principal (Y) at the address 90 by an original procedure.

  The principal (Y) who received the personal limited receipt mail from the bank 3 then accesses the bank account start registration site from the self-named portable terminal 2b and is sent by personal limited mail together with the terminal unique number. A bank password (password (B)) is transmitted (procedure Q10).

  Next, the bank 30 verifies the password (B) (procedure Q11), and when it is confirmed that the password (B) is correct, the temporary account is promoted to an official (ordinary) account. (Procedure Q12). As a result, all financial transactions are permitted for the portable terminal having the terminal unique number.

  The procedure described above is summarized as shown in FIG. FIG. 6 is a flowchart showing a main procedure for opening an account by portable direct banking shown in FIG.

  As shown in the figure, the mobile terminal user transmits the password (A) at the time of the mobile phone contract to the mobile phone company. As a transmission mode, it is desirable to transmit to a mobile phone company via a bank, but it may be transmitted directly to a mobile phone company. When going through the bank, when the bank server is accessed by the mobile terminal user, the bank server switches to the mobile phone company to which the connection destination is linked, so that the password (A) is directly passed to the mobile phone company. Sent (ST1).

  The mobile phone company server verifies the password (A), and then extracts the contractor information and payment information associated with the terminal unique number and transmits them to the bank server (ST2).

  The bank server determines whether the contractor information matches the depositor information. In the case of coincidence, based on the payment information, “existence of the mobile subscriber himself / herself at the address at the time of mobile phone contract” is confirmed (ST3).

  If the confirmation is obtained, the bank opens a “temporary account (transfer deposit, account withdrawal only)” (ST4). Subsequently, the bank sends the information necessary for the account use start registration (password (B), dedicated URL, contractor number, account number, account type, cash card, etc.) by the limited mail received by the person (ST5). .

  The mobile terminal user accesses the dedicated URL, logs in with the password (B), and performs account use start registration (ST6). After verification of the password (B), the bank server creates a “transaction possible flag” and stores it in the depositor file, thereby completing the establishment of the official account (main account) (ST7).

(Third embodiment)
This embodiment demonstrates the structure of the financial transaction service system using the portable terminal of this invention.

  FIG. 7 is a block diagram showing an example of a configuration of a financial transaction service system using a mobile terminal according to the present invention.

  As shown in the figure, the financial transaction service system using a mobile terminal of the present invention includes mobile terminals 2a and 2b owned by mobile terminal users (X) and (Y), a base station 202 for mobile communication, The communication network 204, the bank server 300, and the mobile phone company server 400 are configured.

  The bank server 300 includes a communication interface (including a transmission / reception function, a compression / decompression function, and a firewall function) 301, a host computer 302 that comprehensively controls the operation of each unit, and an account management terminal that manages account information of depositors. (Account management means) 303, an authentication server 304, a billing system 310 for managing deposits and withdrawals, a display device 306, and an input device 307.

  The account system 310 includes an account host computer 305 and an account information database 330 (accumulating a depositor file 340 of each depositor).

  The authentication server 304 can refer to the account information database 330 as appropriate, and has a function of determining the match / mismatch of various information including passwords for identity verification.

  7 includes a communication interface (including a transmission / reception function, a compression / decompression function, and a firewall function) 401, a host computer 402, and a contractor management server 403 that manages mobile subscriber information. An authentication server 404, a fee collection system 405, a display device 406, an input device 407, a payment status database 430, and a mobile subscriber database 420.

  The authentication server 404 can refer to the contractor database 420 as appropriate, and has a function of determining whether the various information including the password for identity verification matches or does not match.

(Fourth embodiment)
In the present embodiment, functional blocks necessary for exchanging specific information among mobile phone companies, bank servers and mobile terminal users, and main processing procedures thereof will be described.

  FIG. 8 shows a procedure for exchanging specific information between a mobile phone company, a bank server, and a mobile terminal user (transfer and recipient) for carrying out the transfer method using the mobile phone number of the present invention, It is a block diagram for demonstrating the structure of the functional block required for that.

  First, the configuration of the system shown in FIG. 8 will be described.

  The financial transaction service system using the mobile terminal of FIG. 8 is constructed by the cooperation of the bank server 300 and the mobile phone company server 400. On the upper side of FIG. On the lower side, the configuration of the mobile phone company server 400 is shown.

  The bank server 300 includes communication interfaces (I / F) 301a and 301b, an account information database 330 (accumulating depositor files 340 (340a and 340b)), a personal authentication unit 350, a message processing unit 352, , RAM 354, recipient authentication unit 356, usage flag confirmation unit 357, account opening confirmation unit 358, transfer processing unit 359, virtual account management unit 360, and calendar unit 361.

In addition, the mobile phone company server 400 includes a mobile subscriber database 420, a collation unit (having a function of retrieving information by search and a function of determining whether information is matched / mismatched)
And having.

Hereinafter, a specific procedure for implementing the telephone number transfer service will be described.
(1) Confirmation process of transfer person (X) first First, the transfer person (X) accesses the bank server 300 and, together with the terminal specific number, confirmation information of the person (transfer person himself) (bank password (B) ) Is input (step S99).

  The identity authentication unit 350 of the bank server 300 searches the account information database 330 and performs verification of the password (B), and extracts basic information such as the address and name of the transfer person (X) (step S100), It transmits to the telephone company server 400 (step S101).

  The collation unit 440 of the mobile phone company server 400 collates the received basic information about the transfer person (X) with the mobile subscriber information in the mobile subscriber database 420 (step S102), and the result is stored in the bank server 300. To the user authentication unit 350 (step S103). When the match is confirmed, the personal authentication unit 350 notifies the transfer person (X) of the authentication result and permits login to the bank site (step S104).

(2) Transfer processing using mobile phone number The transfer person (X) transmits the mobile phone number and name of the recipient (step S105). At this time, comments and images addressed to the recipient (Y) of the transfer person (X) are also transmitted, and these comments and images are sent by the message processing unit 352 in the bank server 300 to the recipient's telephone number and name. Is stored in RAM 354 temporarily.

  Recipient authentication unit 356 in bank server 300 receives the mobile phone number and name information, and requests collation from collation unit 441 of mobile phone company 400 (step S106).

  The collation unit 441 in the cellular phone company server 400 collates the received telephone number and name information with the cellular phone subscriber information in the cellular phone subscriber database 420 (step S107), and the result is stored in the bank server 300. The information is transmitted to the recipient authentication unit 356 (step S108).

  In addition, the verification unit 441 in the mobile phone company server 400 checks the mobile phone number transfer usage flag in the mobile subscriber database 420, and if the recipient (Y) refuses to use this service, This is transmitted to the usage flag confirmation unit 357 in the bank server 300 (step S109).

  The recipient (Y) is a contractor of the mobile phone company, and the mobile phone number entered by the transfer person (X) and the name are accurate by checking with the contractor information of the mobile phone company If the recipient (Y) has not expressed refusal to use this service, the account opening confirmation unit 358 sends the input information from the transfer person (X) or the mobile phone company server 400. The account information database 330 is searched based on the received mobile subscriber information, and the presence or absence of the account of the recipient (Y) is checked (step S110), and the result is notified to the recipient authentication unit 356 (step S111).

  The payee authentication unit 356 has the payee (Y) who is a contractor of the mobile phone company, the mobile phone number and name entered by the transfer person (X) are accurate, and the payee (Y) When the use refusal has not been expressed and the recipient's (Y) account is open in the bank, the transfer confirmation screen information is sent to the mobile terminal 2a of the transferer (X) and the receipt is received. When the person (Y) has not opened an account, a message stating that “account opening of the recipient (Y) is a condition for the transfer” is added to the transfer confirmation screen information and transmitted (step S111-1).

  Next, when the transfer person (X) operates the keys of the portable terminal 2a to confirm the transfer, a transfer request is transmitted to the transfer processing unit 359 (step S112).

  Here, when the payee (Y) has opened an account, the transfer processing unit 359 updates the data in the depositor files 340a and 340b of the depositors (X) and (Y) in the account information database 330, As a result, transfer is performed (step S113). Subsequently, the transfer processing unit 359 creates a transfer notification to the recipient (Y), adds a comment or image from the message processing unit 352 to the created notification (step S114), and receives the recipient (Y (Step S115).

  When the recipient (Y) has not opened an account, the transfer processing unit 359 first notifies the virtual account management unit 360 of information on the transfer amount (step S116). The virtual account management unit 360 withdraws the transfer amount from the account of the depositor (X) in the account information database 330 and pools the transfer amount in the virtual account 362 (S117). Subsequently, the transfer processing unit 359 creates a transfer notification to the recipient (Y), and adds a message that “it is necessary to open an account to receive the transfer money”. Then, a comment or an image from the message processing unit 352 is added to the created notification (step S114) and transmitted to the recipient (Y) (step S119).

  Further, the virtual account management unit 360 manages the pool period using the calendar unit 361, and when the recipient (Y) does not open an account within the predetermined period, notifies the transfer processing unit 359 to that effect (S118). Accordingly, the transfer processing unit 359 returns the transfer money to the depositor file 340a of the depositor (X).

  Next, with reference to FIG. 9, the structure of the functional block for opening an account by portable direct banking and its specific processing procedure will be described. FIG. 9 is a block diagram for explaining a functional block configuration for opening an account by mobile direct banking and a specific processing procedure thereof.

  Within the bank server 300, there are a communication interface (I / F) 301b, an account opening availability determination unit 380, an account opening unit 390, a virtual account management unit 360, a calendar unit 361, a virtual account 362, and a depositor. The depositor file 340a of (X) and the depositor file 340b of the depositor (Y) are provided.

  Further, in the mobile phone company server 400, a collation search unit 445, a mobile subscriber database 420, and a payment status database 430 are provided.

  Recipient (Y) who has received a notification from the bank that an account needs to be opened accesses the bank server 300 from the mobile terminal 2b and, together with the terminal unique number, the password (A) (for the mobile phone company) (Password) is transmitted (step S200). Account open / close determination unit 380 switches to the mobile phone company server to which the connection destination is linked, and forwards the received password (A) and terminal unique number to collation search unit 445 in mobile phone company server 400 as it is. (Step S201). The collation search unit 445 searches the mobile subscriber database 420 managed in association with the terminal unique number, determines whether the password (A) matches or does not match (step S203), and if it does not match, opens an account. A mismatch notification is transmitted to the permission determination unit 380 (step S204), and the account opening permission determination unit 380 transmits a mismatch notification to the recipient (Y) (step S205).

  In addition, when the password (A) matches, the verification search unit 445 in the mobile phone company server 400 subsequently extracts the mobile subscriber information from the mobile subscriber database 420 (step S206), and the payment status The payment information 431 in the database 430 is extracted (step S207), and the information is transmitted to the account establishment permission determination unit 380 (step S208).

  The account open / close determination unit 380 confirms from the received payment information whether or not the recipient (Y) has paid properly over the past several months, and the recipient (Y) Confirm that it actually exists at the address registered in. When the confirmation can be made, the account opening permission determination unit 380 passes the mobile subscriber information sent from the mobile phone company server 400 to the account opening unit 390 (step S209).

  The account opening unit 390 opens a temporary account and uses the mobile subscriber information to add data to the depositor file 340b of the depositor (Y) corresponding to the temporary account (step S210). Further, the account opening unit 390 notifies the virtual account management unit 360 that an account has been opened (step S211).

  The virtual account management unit 360 transfers the transfer amount (500 yen) from the virtual account 362 to the newly opened depositor file 340b. This completes the transfer procedure.

  Further, the virtual account management unit 360 manages the pool period of the transfer money using the calendar 361 (step S213), and when the recipient (Y) does not open an account within the pool period, The transfer money pooled in the virtual account 362 is returned to the depositor file 340a (step S214).

  In this way, the recipient (Y) can open a temporary account capable of depositing money by mobile direct banking. Even a mobile terminal user who does not have an account at the bank can easily open an account after receiving the transfer notice, and the transfer money is automatically deposited. Therefore, it can be said that the transfer service using the mobile phone number of the present invention is an easy-to-use service even for mobile subscribers who do not have an account at the bank.

(Fifth embodiment)
In this embodiment, the transfer person performs the transfer using the recipient's mobile phone number or an e-mail address corresponding to the mobile phone number instead of the account number. This feature uses both the bank account information database linked to the mobile phone company's mobile subscriber database, and the bank account information database is always the mobile phone company's mobile subscriber database. It is assumed that the latest mobile phone number and e-mail address possessed by is acquired and updated.

  FIG. 10 shows a procedure for exchanging specific information between a mobile phone company, a bank server, and a mobile terminal user (transfer and recipient) for carrying out the transfer method using the mobile phone number of the present invention; It is a block diagram for demonstrating the structure of the functional block required for that.

  First, the configuration of the system shown in FIG. 10 will be described. The financial transaction service system using the mobile terminal of FIG. 10 is constructed by the cooperation of the bank server 300 and the mobile phone company server 400. The configuration of the bank server 300 is shown on the upper side of FIG. On the lower side, the configuration of the mobile phone company server 400 is shown.

  The bank server 300 includes communication interfaces (I / F) 301a and 301b, an account information database 330 (accumulating depositor files 340 (340a and 340b)), a personal authentication unit 350, a message processing unit 352, RAM 354, recipient authentication unit 356, account opening confirmation unit 358, and transfer processing unit 359.

In addition, the mobile phone company server 400 includes a mobile subscriber database 420, a collation unit (having a function of retrieving information by search and a function of determining whether information is matched / mismatched)
And having. Further, the account information database 330 is linked to the mobile subscriber database 420, and when the information stored in the mobile subscriber database 420 is changed or updated, the information in the account information database 330 is also updated in real time. Changed or updated.

Hereinafter, a specific procedure for implementing the telephone number transfer service will be described.
(1) Confirmation process of transfer person (X) first First, the transfer person (X) accesses the bank server 300 and, together with the terminal specific number, confirmation information of the person (transfer person himself) (bank password (B) ) Is input (step S99).

  The identity authentication unit 350 of the bank server 300 searches the account information database 330 to verify the password (B), and extracts basic information such as terminal identification information and name of the transfer person (X) (step S100). And transmitted to the mobile phone company server 400 (step S101).

  The collation unit 440 of the mobile phone company server 400 collates the received basic information about the transfer person (X) with the mobile subscriber information in the mobile subscriber database 420 (step S102), and the result is stored in the bank server 300. To the user authentication unit 350 (step S103). When the match is confirmed, the personal authentication unit 350 notifies the transfer person (X) of the authentication result and permits login to the bank site (step S104).

(2) Transfer processing using mobile phone number The transfer person (X) transmits the mobile phone number and name of the recipient (step S105). At this time, comments and images addressed to the recipient (Y) of the transfer person (X) are also transmitted, and these comments and images are sent by the message processing unit 352 in the bank server 300 to the recipient's telephone number and name. Is stored in RAM 354 temporarily.

  Recipient authentication unit 356 in bank server 300 receives the mobile phone number and name information, and requests collation from collation unit 441 of mobile phone company 400 (step S106).

  The collation unit 441 in the cellular phone company server 400 collates the received telephone number and name information with the cellular phone subscriber information in the cellular phone subscriber database 420 (step S107), and the result is stored in the bank server 300. The information is transmitted to the recipient authentication unit 356 (step S108).

  The recipient (Y) is a contractor of the mobile phone company, and the mobile phone number entered by the transfer person (X) and the name are accurate by checking with the contractor information of the mobile phone company If the recipient (Y) has not expressed refusal to use this service, the account opening confirmation unit 358 sends the input information from the transfer person (X) or the mobile phone company server 400. The account information database 330 is searched based on the received mobile subscriber information, and the presence or absence of the account of the recipient (Y) is checked (step S110), and the result is notified to the recipient authentication unit 356 (step S111).

  The payee authentication unit 356 has the payee (Y) who is a contractor of the mobile phone company, the mobile phone number and name entered by the transfer person (X) are accurate, and the payee (Y) If the use refusal is not expressed and the account of the recipient (Y) is established in the bank, the transfer confirmation screen information is transmitted to the mobile terminal 2a of the transfer person (X) (step S111- 1).

  Next, when the transfer person (X) operates the keys of the portable terminal 2a to confirm the transfer, a transfer request is transmitted to the transfer processing unit 359 (step S112).

  Here, when the payee (Y) has opened an account, the transfer processing unit 359 updates the data in the depositor files 340a and 340b of the depositors (X) and (Y) in the account information database 330, As a result, transfer is performed (step S113). Subsequently, the transfer processing unit 359 creates a transfer notification to the recipient (Y), adds a comment or image from the message processing unit 352 to the created notification (step S114), and receives the recipient (Y (Step S115).

  FIG. 11 is a flowchart showing a transfer operation using the mobile terminal according to the present embodiment. First, the transfer person logs in to the bank server and selects the “mobile phone transfer” service (step T1). Next, as shown in FIG. 12A, on the input screen, the transfer person inputs the recipient's mobile phone number or e-mail address (step T2). Further, as shown in FIG. 12A, the first two characters of the name of the recipient's account are input (step T3) and transmitted to the bank server (step T4). When the bank server receives the input content (step T5), the input rule is checked, the name reference availability is checked, and the continuous name reference is counted up (step T6, step T7, step T8). As described above, the bank server prevents the illegal search of the contractor information by counting up the account name when attempting to acquire the account name.

  Next, in the bank server, when the existence of the account can be confirmed by the input information (step T9), the account information of the transfer destination is acquired (step T10). At this time, when the bank server acquires a matching account based on the input information, the bank server checks whether or not the account is linked to the mobile phone company database of the mobile phone company (step T11). If it can be confirmed that the account is linked to the mobile subscriber database of the mobile phone company, the account information is transmitted to the transfer person (step T12).

  When the transfer person's mobile phone receives the account name from the bank server (step T13), as shown in FIG. 12B, the transfer amount is input (step T14), and a message is input (step T15). The input information is transmitted to the bank server (step T16). When the bank server receives the input contents (step T17), the input rules are checked, the balance is checked, and the transfer limit is checked (step T18, step T19, step T20), and information for confirming the transfer contents is received. It transmits to a transfer person's mobile telephone (step T21).

  As shown in FIG. 12 (c), when the transfer contents confirmation screen received from the bank server is confirmed on the transfer person's mobile phone (step T22), information indicating that the confirmation has been made is based on the transfer person's operation. It is transmitted to the server (step T23). When the bank server receives information confirming from the transferer's mobile phone (step T24), the bank server counts down the consecutive name reference (step T25), withdraws funds from the transfer account (step T26), and receives the information. Funds are deposited into the person account (step T27), and the transfer process is completed (step T28). Then, as shown in FIG. 12D, information indicating that the transfer process has been completed is transmitted to the transfer person's mobile phone (step T29).

(Sixth embodiment)
In the present embodiment, a function is provided in which a payee registers account information on the WEB screen so that the payee can know the transfer destination. In using this function, the WEB screen for registering the bank account information notifies the recipient from the transfer by displaying the URL of the WEB screen in the body of the e-mail. If the payee has an account with the bank that provides this system, the account can be identified and registered with the login information.

  FIG. 13 is a flowchart showing the operation of the system according to the present embodiment. First, the transfer person logs in and selects the “Tell me transfer” service (step R1). Next, a subject and a request message are input (step R2, step R3), and input information is transmitted to a bank server (step R4). When the bank server receives the input information from the transferor's mobile phone (step R5), the input rule is checked (step R6), and a screen for inputting the recipient information is generated (step R7). Then, the URL of the recipient information input screen is transmitted to the transferee's mobile phone (step R8).

  On the transfer person's mobile phone, an e-mail transmission screen (for example, a mailer) that captures the subject, message, and URL is activated (step R9), and an e-mail address is input based on the operation of the transfer person (step S9). R10). Then, an e-mail is transmitted to the recipient (step R11).

  When the recipient's mobile phone receives an e-mail from the payer (step R12), after the contents are confirmed by the recipient (step R13), the screen changes to a screen specified by the URL based on the recipient's operation (step R13). Step R14). The bank server transmits the screen specified by the URL to the recipient's mobile phone (step R15), and the recipient's mobile phone displays the transfer person, subject, message, etc. (step R16). Based on the recipient's operation, one of the account of the system, the account of another bank, or the rejection of receipt is selected (step R17).

  FIG. 14 is a flowchart showing an operation when the payee selects an account of the system. The bank server transmits a login screen to the recipient's mobile phone (step R20). When the login information is input to the login screen based on the recipient's operation on the recipient's mobile phone (step R21), the bank server Login information is transmitted to (step R22). When the bank server receives the login information (step R23), it performs authentication (step R24). When the bank server is authenticated, it transmits the account information to the recipient's mobile phone (step R25).

  In the payee's mobile phone, when the account information is displayed and confirmed by the payee (step R26), information for registering the account information is transmitted to the bank server based on the operation of the payee (step R27). ). When the bank server receives information indicating that the account information is to be registered (step R28), a registration completion notification including a URL designating the recipient information is transmitted to the transfer person (step R29).

  When the transferee's mobile phone receives the recipient information registration completion notification (step R30), the screen changes to the screen specified by the URL in the notification (step R31), and the login screen is provided from the bank server. (Step R32) In the transfer person's mobile phone, login information is input based on the transfer person's operation (Step R33), and the input login information is transmitted to the bank server (Step R34).

  When the bank server receives the login information from the transfer person (step R35), authentication is performed (step R36). When the authentication is successful, a transfer screen including the transfer destination information is transmitted to the transfer person's mobile phone (step R37). When the transfer person's mobile phone receives the transfer screen (step R38), the transfer amount and the transfer message are input based on the operation of the transfer person (steps R39 and R40), and the input information is transmitted to the bank server. (Step R41).

  When the bank server receives the input information (step R42), input rule check, balance check, transfer limit check, and transfer fee check are performed (step R43, step R44, step R45, step R46), and transfer contents display The screen is transmitted to the transfer person's mobile phone (step R47). When the transfer person's mobile phone receives the transfer content display screen (step R48), confirmation is made by the transfer person, and if it is confirmed, information indicating that confirmation has been made based on the operation of the transfer person is sent to the bank server. (Step R49). When the bank server receives information indicating confirmation from the transferer's mobile phone (step R50), it withdraws funds from the transferor's account (step R51) and deposits funds into the payee's account (step R52). ), The transfer process is completed (step R53).

  Next, a case where the payee designates an account of another bank in step R17 will be described. FIG. 15 is a flowchart showing an operation when the payee selects an account of another bank. The bank server transmits a financial institution search screen to the recipient's mobile phone (step R60). When one or more characters of the name of the financial institution is entered in the recipient's mobile phone (step R61), the bank server A financial institution candidate is displayed (step R62). When a financial institution is selected on the recipient's mobile phone (step R63), the bank server displays a branch search screen (step R64), and one or more characters of the branch name are input on the recipient's mobile phone. (Step R65), the bank server displays the branch name candidates (Step R66). When the branch name is selected on the recipient's mobile phone (step R67), the bank server displays an account number input screen (step R68).

  When the deposit type and account number are entered on the recipient's mobile phone (step R69), the bank server displays an account name entry screen (step R70). When the account name is entered on the recipient's mobile phone (step R71), the bank server displays an account information confirmation screen (step R72). The account information is confirmed by the recipient's mobile phone (step R73), information indicating that the account information is registered based on the operation of the recipient is transmitted (step R74), and information that the bank server registers the account information. Is received (step R75), a registration completion notification including a URL designating recipient information is transmitted to the transfer person (step R76).

  When the transferee's mobile phone receives the recipient information registration completion notification (step R77), the screen transits to the screen specified by the URL (step R78), and the bank server displays the login screen (step R79). When the login information is input on the transfer person's mobile phone (step R80), the login information is transmitted (step R81), and the bank server receives the login information (step R82), authentication is performed (step R83). If it is removed, a transfer screen is displayed (step R84).

  In the transfer person's mobile phone, the transfer destination information is confirmed by the transfer person (step R85), the amount of the transfer person is input (step R86), the transfer message is input (step R87), and based on the operation of the transfer person, Input information is transmitted (step R88). When the bank server receives the input information (step R89), the input rule check, balance check, transfer limit check, and transfer fee check are performed (step R90, step R91, step R92, step R93), and the transfer content display screen Is displayed (step R94).

  In the transfer person's mobile phone, the transfer content is confirmed by the transfer person (step R95), and when information indicating that the transfer content has been confirmed is transmitted (step R96), the bank server provides information indicating that the transfer content has been confirmed. Receive (Step R97), withdraw funds from the transfer account (Step R98), deposit funds to the payee account (Step R99), and complete the transfer process (Step R100).

  On the other hand, a case where the recipient designates rejection in step R17 will be described. FIG. 16 is a flowchart showing an operation when the recipient selects rejection. The bank server displays a registration rejection confirmation screen (step R101), and when the recipient confirms the registration rejection on the recipient's mobile phone (step R102) and transmits information indicating that registration is rejected (step R103). The bank server receives information indicating that registration is rejected (step R104), and transmits a screen for notifying registration rejection to the transfer person (step R105). The transfer person's mobile phone receives a screen for notifying registration refusal (step R106), and the transfer person confirms it.

(Seventh embodiment)
In this embodiment, based on the input of the billing requester who is the recipient, the bank server generates a transfer screen in which the account information and amount of the transfer destination are set. Then, a function is provided for notifying the payer that the request has been made by e-mail. When using this function, the billing requester is notified to the payer by displaying a URL specifying the transfer screen in the body of the email on the generated transfer screen. If the payer has an account at the bank of this system, the transfer screen is displayed as it is with the login information, and after confirming the transfer contents, the transfer is enabled. On the other hand, if the payer does not have an account at the bank of this system, the transfer is made by ATM or direct banking of another bank based on the display of the billing screen.

  FIG. 17 is a flowchart showing the operation of the system according to the present embodiment. First, the transfer person logs in to the bank server and selects the “Bill by email” service (step P1). Next, on the input screen, the billing client inputs a subject, a billing message, and a billing amount (Step P2, Step P3, Step P4), and transmits the input information (Step P5). Next, the bank server receives the input information (step P6), checks the input rules (step P7), generates a billing screen (step P8), and transmits a URL specifying the billing screen (step P9). ).

  In the request client's mobile phone, an e-mail transmission screen (for example, mailer) incorporating the subject, message, and URL is activated (step P10), and an e-mail address is input based on the operation of the request client. (Step P11). Then, an e-mail is transmitted to the payer (step P12).

  When the payer's mobile phone receives an e-mail from the billing client (step P13), after confirming the contents by the payer (step P14), the screen specified by the URL based on the operation of the payer (Step P15). The bank server transmits the screen specified by the URL to the payer's mobile phone (step P16), and the payer's mobile phone displays the billing requester, subject, message, and the like (step P17). Based on the operation of the payer, one of the system account, another bank account, or payment refusal is selected (step P18).

  FIG. 18 is a flowchart showing the operation when the payer selects an account of this system. The bank server transmits a login screen to the payer's mobile phone (step P19). When the payer's mobile phone receives login information on the login screen based on the operation of the payer (step P20). The login information is transmitted to the bank server (step P21). Upon receiving the login information (step P22), the bank server performs authentication (step P23). When the authentication is obtained, the bank server performs input rule check, balance check, transfer limit check, and transfer fee check (step P24, Step P25, Step P26, Step P27) and a transfer contents display screen are transmitted to the payer's mobile phone (Step P28).

  When the payment payer's mobile phone receives the transfer content display screen (step P29), confirmation is made by the payer and if it is confirmed, information indicating that the payment has been confirmed based on the operation of the payer. Is transmitted to the bank server (step P30). When the bank server receives information indicating that the payment has been confirmed from the payer's mobile phone (step P31), the bank server withdraws funds from the payer's account (step P32) and deposits funds into the billing client account. (Step P33), the transfer process is completed (Step P34). In step P33, when depositing funds into the billing client's account, it is also possible to notify the deposit according to the registration of the billing client (recipient).

  On the other hand, when another bank account is selected by the payer in step P18, transfer is performed from ATM or another bank's banking service to the bank account displayed on the billing screen in step P17.

  A case where payment refusal is selected by the payment planner in Step P18 will be described. FIG. 19 is a flowchart showing an operation when the payer selects rejection. The bank server displays a payment refusal confirmation screen (step Q1), and the payer confirms the payment refusal on the payer's mobile phone (step Q2) and transmits information indicating that the payment is rejected (step Q2). Q3) The bank server receives information indicating that payment is rejected (step Q4) and transmits a screen for notifying payment rejection to the billing client (step Q5). The billing client's mobile phone receives a screen for notifying payment (step Q6), and the billing client confirms it.

  The present invention has been described above with reference to the embodiments. However, the present invention is not limited to the above embodiments, and various modifications and applications are possible within the scope of the technical idea.

  The “portable terminal” includes not only a mobile phone terminal but also a PDA (Personal Digital Assistant) and a portable computer terminal having a communication function.

  In the above embodiment, the procedure performed on the bank side may be performed on the mobile phone terminal side or vice versa if circumstances permit.

  In addition, a similar service can be implemented using a telephone number of a fixed telephone and a personal computer terminal at home instead of a cellular phone number or an electronic mail address corresponding to the cellular phone number. However, in this case, the use subject is specified by the contractor information of the fixed telephone, and the transfer process or the like is performed. The point that the cooperation between the bank and the telephone company is necessary is the same as the above embodiment.

  When making a transfer using a mobile phone number or an e-mail address corresponding to the mobile phone number, the recipient's mobile phone number or e-mail address and name corresponding to the mobile phone number, as well as the other party's date of birth, It is also possible to enter a password exchanged with the other party in advance.

  Note that prepaid portable terminals are excluded from financial services by portable direct banking according to the present invention.

  As described above, according to the present invention, it is possible to specify a recipient using a mobile phone number or an e-mail address corresponding to the mobile phone number instead of an account number, and to make a transfer. Improved convenience. Therefore, for example, remittance can be easily performed within close friends.

  If the recipient has an account at the bank, the recipient's account is specified by the mobile phone number or the email address corresponding to the mobile phone number, and the transfer is completed immediately. Only receives a notification that there has been a transfer, does not require the effort to indicate whether or not to receive the transfer, and does not require the process of specifying an account to receive the transfer. That is, a simple transfer method that is completely equivalent to a transfer using a normal account number is realized.

  In addition, when transferring money using a mobile phone number, since the phone number is composed only of numbers, there is an advantage that input and storage are easier than with an e-mail address.

  In addition, the mobile phone number or the email address corresponding to the mobile phone number is given through a strict identity verification procedure by the mobile phone company, unlike the email address by the provider that the user himself can acquire freely. This is unique (one and only) identification information, and if the mobile phone number is used, there is an advantage that the person can be uniquely identified.

  Further, in the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention, the user of the service is limited to only the contractor of the mobile phone company. There is an advantage that the bank can quickly confirm the identity of the user of the service by the collation determination using the mobile subscriber information associated with the electronic mail address corresponding to the telephone number.

  Therefore, in the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention, the user is always clearly grasped, and there is no opaque part about the user, and the transfer is performed with peace of mind. Is possible.

  In addition, in the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention, the account from which the recipient can receive the transfer money is limited to the account in the bank. Gold movement is limited within the bank. The implementation of the transfer service is grasped by the bank from deposit to withdrawal, and the implementation history of the service is also managed by the bank, so there is no opaque part regarding the transfer of the transfer.

  In addition, the contractor of the mobile phone company is presented with the terms of use (use agreement) from the mobile phone company at the time of contracting the mobile terminal, and corresponds to the mobile phone number or mobile phone number by the affiliated bank. When the information indicating that the transfer service by the e-mail address can be received is presented, and there is no intention to receive the service, an opportunity to express the intention to reject the service is given. Therefore, when a recipient who does not have an account at the bank receives a notification from the bank that "an account must be opened in order to receive the deposit," the notification is unknown to the recipient. It can be said that it is not a notification of unknown contents from the bank (so-called abrupt notification) but a notification that has been assumed in advance, and in this respect, the receipt that received the transfer notification and does not have an account at the bank There is no human psychological burden.

  In addition, a mobile subscriber who wishes to refuse the use of a transfer service using a mobile phone number or an e-mail address corresponding to the mobile phone number, intends to do so to the mobile phone company at the time of contracting the mobile terminal or at any time thereafter. , So that even if there is a transfer request with that person as the recipient, the transfer request will be rejected, and the person will not receive any notification from the bank, There is no burden on the person. That is, in the service of the present invention, the bank can check not only the intention of the requester of the transfer but also the intention of the recipient and determine whether or not the transfer can be made. The refusal to use the service is secured in the system (in the service system), and there is no situation that makes mobile terminal subscribers who do not want to use the service feel uncomfortable.

  Further, the transfer service using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention is provided with a service that can open a new account in real time by access from the mobile terminal. Therefore, due to the fact that opening an account is troublesome, the recipient will not be able to receive the deposit within a specified period of time, so that sufficient consideration will be given, and in terms of opening a new account, It is considered that the convenience for the user hardly decreases.

  According to the present invention, it is possible to improve the convenience for bank users by realizing a convenient and convenient bank transfer service that does not use an account number, and at the same time, increase the transparency of the system that provides the service. Make sure that the person who uses the service and the movement of money are clearly understood, and that the recipient's will is fully respected and that the recipient's receiving procedure is sufficiently reduced. It is possible to realize a reliable and new and innovative financial transaction service that anyone can use easily and safely.

It is a figure for demonstrating the outline | summary (main feature point) of the financial transaction service method (The transfer method by the electronic mail address corresponding to a mobile telephone number or a mobile telephone number) using the portable terminal of this invention. It is a figure which shows the example of the screen displayed on a transfer person's portable terminal at the time of using the transfer service by the e-mail address corresponding to the mobile phone number of this invention or a mobile phone number, (a) is a transfer menu. The figure which shows the example of a screen, (b) is a figure which shows the example of a screen at the time of selecting the transfer service by a mobile telephone number. FIG. 3 is a flowchart showing the main procedure of transfer by mobile phone number. It is a flowchart which shows the processing procedure of the transfer money temporarily pooled to the virtual account because the recipient's bank account is not opened. An overview of a procedure for establishing a bank account in a financial transaction service method using a mobile terminal of the present invention (a transfer service method using a mobile phone number or an e-mail address corresponding to a mobile phone number) FIG. It is a flowchart which shows the main procedures of the account opening by portable direct banking shown by FIG. It is a block diagram which shows an example of a structure of the financial transaction service system using a portable terminal of this invention. Specific information among mobile phone companies, bank servers and mobile terminal users (transferers and payees) for carrying out the transfer method using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention It is a block diagram for demonstrating the transfer procedure of and the structure of the functional block required for it. It is a block diagram for demonstrating the structure of the functional block for the account opening by portable direct banking, and the specific process sequence. Specific information among mobile phone companies, bank servers and mobile terminal users (transferers and payees) for carrying out the transfer method using the mobile phone number or the e-mail address corresponding to the mobile phone number of the present invention It is a block diagram for demonstrating the transfer procedure of and the structure of the functional block required for it. It is a flowchart which shows the operation | movement of the transfer using the portable terminal which concerns on this embodiment. It is a figure which shows the example of a screen display of the portable terminal which concerns on this embodiment. It is a flowchart which shows operation | movement of the system which concerns on this embodiment. It is a flowchart which shows operation | movement when a payee selects the account of this system. It is a flowchart which shows operation | movement when a payee selects the account of another bank. It is a flowchart which shows operation | movement when a recipient selects refusal. It is a flowchart which shows operation | movement of the system which concerns on this embodiment. It is a flowchart which shows operation | movement when the payment plan person selects the account of this system. It is a flowchart which shows operation | movement when the payment plan person selects refusal.

Explanation of symbols

2a, 2b Mobile terminal 10 Mobile phone company 20 Mobile subscriber database 22 Payment status database 30 Bank X Transfer Y Recipient

Claims (5)

  A financial transaction method for transferring money from a direct banking bank account to another bank account based on information transmitted from a mobile phone,
  A first mobile phone under contract with a mobile phone company that provides a mobile phone service provides a terminal number of the first mobile phone and a bank server of a bank that provides the direct banking bank account and Transmitting information for confirming a contractor of the first mobile phone;
  The bank server authenticates based on the confirmation information of the contractor, and the terminal specific number and the contractor with respect to the mobile phone company server of the mobile phone company with which the first mobile phone is contracting A step of querying
  After the bank server obtains information that the terminal specific number and the contractor's inquiry have been obtained from the mobile phone company server with which the first mobile phone is subscribed, the first mobile phone logs in the first mobile phone. The steps to admit,
  After the first mobile phone logs in to the bank server, the bank server transfers the amount designated from the first bank account of the direct banking method possessed by the contractor of the first mobile phone. Sending the transfer request information for requesting and the telephone number of the second mobile phone as the transfer destination;
  The bank server inquires of the mobile phone company server of the mobile phone company with which the second mobile phone is subscribed to the phone number of the second mobile phone;
  After the bank server obtains information that the telephone number of the second mobile phone has been obtained from the mobile phone company server with which the second mobile phone is contracted, the contract of the second mobile phone is obtained. When the person has the second bank account of the direct banking method, based on the transfer request information, while making a transfer from the first bank account to the second bank account, If the contractor of the second mobile phone does not have the second bank account, opening a temporary account and temporarily transferring money from the first bank account to the temporary account; ,
  When the contractor of the second mobile phone opens the second bank account, the bank server includes at least a step of transferring money from the temporary account to the second bank account. Financial transaction method.   When the contractor of the second mobile phone opens the second bank account,
  The second mobile phone transmits a terminal unique number of the second mobile phone and a first password issued at the time of contracting the second mobile phone to the bank server;
  A mobile phone company server of a mobile phone company with which the second mobile phone is contracting receives the terminal unique number and the first password of the second mobile phone via the bank server;
  The mobile phone company server of the mobile phone company with which the second mobile phone is contracting performs a first identity verification using the received terminal specific number of the second mobile phone and the first password. When,
  When the mobile phone company server of the mobile phone company with which the second mobile phone is contracting, when the first identity verification is completed, information indicating that the first identity verification is completed is sent to the bank server. Sending, and
  The second mobile phone accepts an input of the second password described in the mail issued by the bank and sent to the contractor of the second mobile phone by mail limited to the person, and the bank Sending the second password to a server;
  The bank server receiving the second password from the second mobile phone;
  The bank server performs a second identity verification using the received second password;
  The bank server has a step of opening the second bank account with the second mobile phone contractor as a holder when the second identity verification is completed. The financial transaction method according to claim 1.   3. The financial transaction method according to claim 1, wherein the temporary account is an account that allows only deposits and withdrawals by transfer.   The said bank server returns transfer money from the said temporary account to the said 1st bank account, when the said 2nd bank account is not opened within a fixed period. Item 4. The financial transaction method according to any one of Items3.   5. The mobile phone company with which the first mobile phone is under contract and the mobile phone company with which the second mobile phone is under contract are the same mobile phone company. The financial transaction method according to any one of the above.

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