JP7066588B2 - Account opening device, account opening method, and program - Google Patents

Description

The present invention relates to an account opening device, an account opening method, and a program.

In recent years, with the development of computer and communication network technology, it has become possible to open an account using a portable terminal (see Patent Document 1).
Further, in recent years, when an account is opened, a virtual store (Internet branch) that does not have a specific address has been established in addition to a real store that has a specific address as a store in charge of the account. There is.

Japanese Unexamined Patent Publication No. 2014-21765

However, in the banking business, the scope of business is specified, and in particular, in regional banks, sales representatives often visit customers at each branch, and sales are conducted in the area in charge of each branch. Often. In this case, if an application for opening an account is made via the network and an account is opened at any branch office, the address of the customer who opened the account may deviate from the business area. In such a case, there is a problem that it becomes difficult for the sales staff of the branch office to visit the customer and conduct sales.
Also, if an application for opening an account is made via the network and an account is opened at a distant branch or an internet branch even though there is a branch near the customer's address, the address of the customer who opened the account. Is out of the business area. In such a case, there is a problem that it becomes difficult for the sales staff of the branch office to visit the customer and conduct sales.
Further, there is a problem that it is difficult for a user who wants to open an account to decide which branch to select when there are many branches.

The present invention has been made in view of such circumstances, and an object thereof is a store in charge of an account so that the bank side can easily perform business and the customer side can easily select a store. The purpose is to provide an account opening device, an account opening method, and a program that can guide the user.

In order to solve the above-mentioned problems, the present invention presents a store information acquisition unit that acquires store information associated with the area in charge of the actual store, and a residence of a user who performs a procedure for opening an account. When the user information acquisition unit for acquiring user information about an area and the actual store whose area of residence of the user is the area in charge exist in the store information, the store in charge of the user's account is the residence of the user. A store selection unit that selects a virtual store as the responsible store when the actual store corresponding to the user's residential area does not exist in the store information by selecting the actual store whose area is the responsible area. It is an account opening device to be equipped.

Further, in order to solve the above-mentioned problems, in the present invention, the store information acquisition unit acquires store information in which the actual store is associated with the area in charge of the actual store, and the user information acquisition unit opens an account. When the user information about the residential area of the user who performs the opening procedure is acquired and the actual store whose residential area of the user is the responsible area exists in the store information, the store selection unit is in charge of the user's account. If the actual store corresponding to the user's residential area does not exist in the store information, a virtual store is selected as the responsible store. The method of opening an account to select.

Further, in order to solve the above-mentioned problems, the present invention is a program for operating a computer as the account opening device described above, and for causing the computer to function as each part included in the account opening device. It is a program.

As described above, according to the present invention, it is possible to guide the store in charge of the account so that the bank side can easily perform business and the customer side can easily select the store.

It is a block diagram which shows the structure of the account opening system 1 to which the account opening server 20 by embodiment is applied. It is a figure which shows the structural example of the branch office information by an Embodiment. It is a figure which shows the configuration example of the user information by an embodiment. It is a figure which shows the display example of the terminal apparatus 10 by an embodiment. It is a figure which shows the display example of the terminal apparatus 10 by an embodiment. It is a flowchart explaining the operation of the account opening server 20.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of an account opening system 1 to which the account opening server 20 according to the embodiment is applied. The account opening system 1 performs a procedure for opening an account at a financial institution such as a bank. The account opening system 1 includes, for example, a terminal device 10, an account opening server 20, and a communication network 30. In the account opening system 1, the terminal device 10 and the account opening server 20 are communicably connected via the communication network 30. The account opening server 20 is an example of an “account opening device”.

The terminal device 10 is, for example, a mobile phone, a smartphone, a tablet device, or the like. Application software (hereinafter referred to as an application) for performing a procedure for opening an account is installed in the terminal device 10.

The terminal device 10 electronically creates a document for opening an account by performing an operation according to the operation of the application by a user or the like, and transmits the data of the created document to the account opening server 20. For example, the terminal device 10 includes a communication unit, a display unit, an input unit, and a control unit. The communication unit communicates with the account opening server 20. The display unit is a display of the terminal device 10, and displays contents according to the operation of the application. The input unit is, for example, a touch panel of the terminal device 10. Information corresponding to the user's touch operation is input to the input unit. The control unit comprehensively controls the terminal device 10, and for example, according to the program of the application, an input form for inputting necessary items such as a user's name in a document for opening an account in the display unit is displayed. Display. Further, the control unit reflects the name of the user input from the input unit on the input form and displays it on the display unit. Then, the control unit transmits the content input in the input form to the account opening server 20 via the communication unit.

The communication network 30 is the Internet, a LAN (local area network), or the like, and may have a wireless section in a part thereof.

The account opening server 20 is, for example, a server device, a personal computer, or the like. The account opening server 20 receives data of documents for opening an account from the terminal device 10. The account opening server 20 opens an account based on the data of the document. For example, the account opening server 20 opens an account for the user based on the user's name and address described in the document.

Here, when opening an account, the account opening server 20 selects where to place the store in charge of the account. This store is a place where banking business is carried out in a financial institution, for example, a head office or a branch office of a bank.
Further, in the present embodiment, the store includes a "real store" whose store is a physical building and a "virtual store" which is a virtual store on the Internet.
In the following description, a case where the account opening server 20 selects a branch in charge of an account will be described as an example.

The account opening server 20 selects the branch in charge so that the branch in charge of the residential area where the user's address is located becomes the branch in charge of the account. This makes it easier for the sales staff of the branch office to visit the customer to ask about the customer's situation or introduce sales. Also, when asking about the customer's situation, if the customer is a resident of the same area as the branch office, there will be many topics common to the area such as local events, and sales activities should be conducted in consideration of the content of the conversation with the customer. Can be done.

Further, the account opening server 20 selects the branch in charge so that the virtual branch on the Internet becomes the branch in charge of the account when there is no branch in the area of residence where the user's address is located. This allows branch sales representatives to use alternatives, such as email or direct mail sales, or telephone sales, instead of visiting customers far away, to ensure appropriate sales according to the situation. It can be carried out.

The account opening server 20 presents the selected branch office to the user as a candidate for the branch office in charge, and allows the user to select a branch office desired by the user. As a result, the user only has to select a desired branch from the candidates presented by the account opening server 20, and it is not necessary to select a branch in charge of the account from many branches, so that the branch can be easily selected.

Specifically, the account opening server 20 selects a candidate branch office based on the user's address, and transmits the selected branch office candidate to the terminal device 10. The terminal device 10 receives branch candidates from the account opening server 20, and displays the received branch candidates on the display screen of the terminal device 10. The user selects a desired branch from the branch candidates displayed on the display screen of the terminal device 10. The terminal device 10 acquires the information of the branch selected by the user, and transmits the acquired branch information to the account opening server 20. The account opening server 20 registers the branch selected by the user as the branch of the user's account.

The account opening server 20 includes, for example, a communication unit 201, a branch selection unit 202, a control unit 203, a branch information storage unit 204, and a user information storage unit 205. Here, the branch selection unit 202 is an example of the “store selection unit”.

The communication unit 201 communicates with the terminal device 10 according to the control of the control unit 203. The communication unit 201 receives the data of the document for opening an account from the terminal device 10.
The branch information storage unit 204 stores branch information. The branch information is information in which the identification information of the actual branch is associated with the information indicating the area in charge of the actual branch, and is an example of "store information". Here, the identification information of the actual branch is information that uniquely identifies the actual branch, and is, for example, the name of the actual branch, the branch number, or the like. The area in charge is the area in which the actual branch is in charge, for example, the postal code, address, name, etc. of the area.
The user information storage unit 205 stores user information. The user information is information about the area of residence of the user who opens an account, and is, for example, the user's name, zip code, address, age, gender, and the like.

The branch selection unit 202 selects a branch that is a candidate for the branch in charge of the account opened by the user.
The branch selection unit 202 refers to the branch information storage unit 204 and acquires branch information. That is, the branch office selection unit 202 is an example of the “store information acquisition unit”.
Further, the branch selection unit 202 refers to the user information storage unit 205 and acquires user information. That is, the branch selection unit 202 is an example of the “user information acquisition unit”.

When a real branch whose area of residence of the user is in charge exists in the branch information, the branch selection unit 202 selects the actual branch whose area of residence of the user is the area in charge as the branch in charge.
On the other hand, the branch selection unit 202 selects a virtual branch as the branch in charge when the actual branch corresponding to the user's residential area does not exist in the branch information.
Specifically, the branch selection unit 202 determines whether or not the postal code of the area in charge of the actual branch in the branch information matches the postal code of the user's residential area. If there is a matching zip code, the branch selection unit 202 selects a branch whose area is the area corresponding to the zip code as a candidate.
On the other hand, if the branch selection unit 202 does not have a matching zip code, the virtual branch is selected as a candidate.

The control unit 203 comprehensively controls the account opening server 20. When the communication unit 201 receives the document data for opening an account, the control unit 203 stores the document data in the user information storage unit 205. The control unit 203 notifies the terminal device 10 of the branch candidate selected by the branch selection unit 202 via the communication unit 201.

Here, the branch information will be described with reference to FIG.
FIG. 2 is a diagram showing a configuration example of branch information according to an embodiment.
As shown in FIG. 2, the branch information includes items such as a branch name and a corresponding area. The name of the branch is shown in the branch name. Correspondence area indicates the area to which the branch corresponds, and in this example, the postal code of the area to which the branch corresponds. In this example, the area in charge of "○○ Central Branch" is the area where the postal code is "123-4567" and "234-5678". In addition, the area in charge of "○○ Station South Exit Branch" indicates that the postal code is "123-4567" and "345-6789".

Here, the user information will be described with reference to FIG.
FIG. 3 is a diagram showing a configuration example of user information according to an embodiment.
As shown in FIG. 3, the user information includes items such as a name, a zip code, an address, a gender, a date of birth, an occupation, a work telephone number, and a home telephone number. Each item shows the user's name, zip code, address, gender, date of birth, occupation, work phone number, and home phone number. In this example, it is shown that the name of a certain user is "○○ Hanako" and the zip code is "123-4567". It also indicates that another user name is "○○ Taro" and the zip code is "789-1234".

Here, an example in which the branch candidate selected by the account opening server 20 is displayed on the terminal device 10 will be described with reference to FIGS. 4 and 5.
4 and 5 are views showing a display example of the terminal device 10 according to the embodiment. FIG. 4 shows an example in which a real branch is displayed and FIG. 5 shows an example in which a virtual branch is displayed as a candidate.

As shown in FIG. 4, when the actual branch exists as a candidate, the terminal device 10 displays the name of the branch selected as the candidate together with the message "Displaying a nearby branch". As in this example, there may be multiple branches selected as candidates.
In this example, for example, the branch selection unit 202 of the account opening server 20 obtains the branch information shown in FIG. 2 based on the postal code “123-4567” of the user whose name is “○○ Hanako” shown in FIG. refer. The branch selection unit 202 has a postal code "123" that matches the postal code of the user's residential area in the postal code of the area in charge of the actual branch "○○ Central Branch" and "○○ Station South Exit Branch" in the branch information. Since there is "-4567", these actual branches are selected as candidates. As a result, these two actual branches are displayed as candidates on the terminal device 10.

As shown in FIG. 5, when the actual branch does not exist as a candidate, the terminal device 10 has the message "There is no branch in the neighborhood" and "Please select a virtual branch", and the name of the virtual branch "Internet branch". Is displayed.
In this example, for example, the branch selection unit 202 of the account opening server 20 obtains the branch information shown in FIG. 2 based on the postal code “789-1234” of the user whose name is “○○ Taro” shown in FIG. refer. The branch selection unit 202 has a zip code "789" that matches the zip code of the user's residential area in the zip code of the area in charge of the actual branch "○○ Central Branch" and "○○ Station South Exit Branch" in the branch information. Since there is no -1234, it is determined that the real branch does not exist as a candidate, and the virtual branch is selected as a candidate. As a result, the virtual branch is displayed as a candidate on the terminal device 10.

FIG. 6 is a flowchart illustrating the operation of the account opening server 20.
The branch selection unit 202 of the account opening server 20 refers to the branch information storage unit 204 and acquires branch information (step S1).
The branch selection unit 202 refers to the user information storage unit 205 and acquires the user information received from the terminal device 10 via the communication unit 201 (step S2).
The branch selection unit 202 determines whether or not the postal code of the area in charge of the branch in the branch information matches the postal code of the user included in the user information (step S3).
If the postal code of the area in charge of the branch in the branch information matches the postal code of the user included in the user information, the branch selection unit 202 matches the postal code of the area in charge of the user. The actual branch is selected as a candidate (step S4).
On the other hand, if the postal code of the area in charge of the branch in the branch information does not match the postal code of the user included in the user information, the branch selection unit 202 selects the virtual branch as a candidate (step S5).

As described above, the account opening server 20 of the embodiment has a branch selection unit 202 that acquires branch information associated with the area in charge of the actual branch in the actual branch, and a user who performs a procedure for opening an account. If the branch selection unit 202 that acquires user information about the residential area and the actual branch that has the user's residential area as the responsible area exist in the branch information, the user's residential area is in charge as the responsible branch that is in charge of the account opened by the user. A branch selection unit 202 that selects a real branch as a region and selects a virtual branch as a responsible branch when a real branch corresponding to the user's residential area does not exist in the branch information is provided.
As a result, the account opening server 20 of the embodiment can select a real branch office or a virtual branch office according to the user's residential area, so that the bank side can easily perform business, and the customer side can easily perform the business. Can guide you to the branch in charge of your account so that you can easily select.

For example, when a user arbitrarily selects a branch regardless of the user's residential area, it is conceivable that even a user who lives in the area in charge of a certain branch may select a distant branch or an Internet branch. In this case, each branch will visit outside the area in charge to conduct business, which makes it difficult to conduct business.
On the other hand, since the account opening server 20 of the present embodiment selects the actual branch office in which the user's residential area is in charge, the user selects a branch office from the selected actual stores. This is possible, and the actual branch office whose area of residence of the user is in charge of the user's account facilitates the visit to the customer.
Further, for the user, the candidate of the branch in charge of the account is selected by the account opening server 20, and it is not necessary to select the branch in charge from many branches, so that it becomes easy to select the branch.

Also, considering only the ease of visiting, even though there is an Internet branch, if the actual branch near the user's residential area is in charge of the user's account, it is specified. It is conceivable that the accounts of customers living in distant areas will be concentrated in the branch offices of. For example, in the case of a bank that has a branch office only in Chiba prefecture, all the accounts of customers living in Tokyo will be handled by the branch office closest to Tokyo in Chiba prefecture. In such a case, the work of a branch office where the accounts of users living in distant areas are concentrated becomes tight. In addition, if the business becomes tight, the response to customers living in the area in charge of the branch office will be inadequate, and customer satisfaction will decline due to the inability to carry out sufficient sales activities, resulting in customer acquisition. You may lose your opportunity.
On the other hand, the account opening server 20 of the embodiment can select an Internet branch when there is no actual branch office in which the user's area of residence is in charge, and can carry out sales activities to customers living in the area in charge of the branch office. For customers in areas that are sufficient and difficult to visit, it is possible to carry out sales activities that are different from visits, specializing in forms such as using e-mail.

Further, in the account opening server 20 of the embodiment, the branch information is information in which the actual branch is associated with the zip code of the area in charge of the actual branch, and the user information is the zip code of the user's residential area. , The branch selection unit 202 selects the branch in charge depending on whether or not the postal code of the area in charge of the actual branch of the branch information matches the postal code of the area of residence of the user. As a result, the account opening server 20 of the embodiment can easily create a branch office according to the user's residential area by a simple method of matching the postal code of the area in charge of the actual branch with the postal code of the user's residential area. You can choose.

In the above-described embodiment, the postal code is used as information for specifying the area of residence of the user and the area in charge of the branch, but a predetermined area can be specified and the area of residence of the user is within the area in charge of the branch. Anything other than a zip code may be used as long as it can be used to distinguish between the zip code and the outside of the area in charge.

Further, in the above-described embodiment, the case where the actual branch office is selected according to the residential area of the user has been illustrated and described, but the present invention is not limited to this. For example, an actual branch office may be selected in which the area within the user's range of action, such as the area where the user commute to work or school, is the area in charge.
Further, in the above-described embodiment, the configuration in which the account opening server 20 includes the branch information storage unit 204 has been described as an example, but the present invention is not limited to this. The branch information storage unit 204 may be stored, for example, in a cloud server device or the like connected to the communication network 30, which is different from the account opening server 20. In this case, the account opening server 20 acquires branch information from the cloud server device or the like via the communication unit 201.

Further, in the above-described embodiment, the case where the account opening server 20 acquires the zip code input by the user has been described as an example, but the present invention is not limited to this. For example, the account opening server 20 may acquire an image of a document (for example, a driver's license, a health insurance card, etc.) for opening an account imaged by the terminal device 10.
In this case, the terminal device 10 transmits the image pickup data of the document to the account opening server 20. The account opening server 20 performs character recognition processing on the imaged data of the document, acquires character information from the image of the document, and acquires the user's zip code based on the acquired character information.

All or part of the account opening system 1 and the account opening server 20 in the above-described embodiment may be realized by a computer. In that case, a program for realizing this function may be recorded on a computer-readable recording medium, and the program recorded on the recording medium may be read by a computer system and executed. The term "computer system" as used herein includes hardware such as an OS and peripheral devices. Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, and a storage device such as a hard disk built in a computer system. Further, a "computer-readable recording medium" is a communication line for transmitting a program via a network such as the Internet or a communication line such as a telephone line, and dynamically holds the program for a short period of time. It may also include a program that holds a program for a certain period of time, such as a volatile memory inside a computer system that is a server or a client in that case. Further, the above program may be for realizing a part of the above-mentioned functions, and may be further realized for realizing the above-mentioned functions in combination with a program already recorded in the computer system. It may be realized by using a programmable logic device such as FPGA (Field Programmable Gate Array).

Although the embodiments of the present invention have been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and includes designs and the like within a range that does not deviate from the gist of the present invention.

1 ... Account opening system, 10 ... Terminal device, 20 ... Account opening server, 201 ... Communication unit, 202 ... Branch selection unit, 203 ... Control unit, 204 ... Branch information storage unit, 205 ... User information storage unit, 30 ... Communication network

Claims (4)

The store information acquisition department that acquires store information that associates the area in charge of the actual store with the actual store,
The user information acquisition department that acquires user information about the area of residence of the user who performs the procedure for opening an account,
When the actual store having the user's residential area as the responsible area exists in the store information, the actual store having the user's residential area as the responsible area is selected as the responsible store in charge of the user's account. If the actual store corresponding to the user's residential area does not exist in the store information, a store selection unit that selects a virtual store as the store in charge, and a store selection unit.
An account opening device equipped with. The store information is information in which the actual store is associated with the zip code of the area in charge of the actual store.
The user information is a zip code of the user's area of residence.
The store selection unit selects the store in charge according to whether or not the zip code of the area in charge of the actual store in the store information matches the zip code of the area of residence of the user. The account opening device according to claim 1. The store information acquisition department acquires store information in which the actual store is associated with the area in charge of the actual store.
The user information acquisition department acquires user information about the area of residence of the user who performs the procedure for opening an account.
When the actual store in which the user's residential area is the responsible area exists in the store information, the store selection unit sets the user's residential area as the responsible area as the responsible store in charge of the user's account. When a physical store is selected and the physical store corresponding to the user's residential area does not exist in the store information, a virtual store is selected as the responsible store.
How to open an account. A program for operating a computer as the account opening device according to claim 1 or 2, wherein the computer functions as each part included in the account opening device.

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