JP7383756B2 - Account inquiry device, account inquiry method and electronic application system - Google Patents

Description

The present invention relates to financial technology (fintech).

Efforts are being made to popularize online services using My Number cards. For example, as an electronic application system related to child-rearing, an online application system called ``Pittari Service'' using My Number Card (https://app.oss.myna.go.jp/Application/search) is provided. The Perfect Service is also accepting electronic applications for special fixed-amount benefits as an emergency economic measure against the new coronavirus infection.

With the Perfect Service, when a My Number Card holder specifies the bank account to which the benefit will be transferred and applies electronically for the special fixed amount benefit, the local government, such as the city, ward, town, village, etc., will first apply for the benefit target extracted from the resident registration register. Compare the list of applicants with the received application data to confirm the eligibility of the applicant. Furthermore, the local government requests the local government's designated financial institution to transfer the benefits, and the designated financial institution uses the integrated ATM switching service to send the applicant to the recipient financial institution via the integrated ATM network. After confirming the accuracy of the account information provided by , the benefit will be transferred to the recipient account.

https://app.oss.myna.go.jp/Application/search

However, it is empirically known that there are errors such as input errors in account information (about 2%). In this case, the recipient financial institution must create an error message stating that there is an error in the account information and send it to the designated financial institution from which the payment was made. The designated financial institution then informs the requesting local government that there is an error in the account information and that the transfer could not be executed. Upon receiving such notification, the local government must contact the applicant and obtain correct account information. In this way, if there is an error in inputting account information, additional manual work will be required and payments to applicants will be delayed.

In view of the above problems, it is an object of the present invention to provide a technique for reducing the occurrence of additional human work caused by input errors in account information.

In order to solve the above problems, one aspect of the present invention includes an interface unit that receives an account inquiry request for an account applied for registration in association with a My Number Card, and an interface unit that inquires the applied account and obtains an inquiry result. An inquiry unit, the interface unit relates to an account inquiry device that returns an account inquiry response based on the inquiry result.

According to the present invention, additional costs and delays in payment to applicants can be avoided by reducing additional human work caused by input errors in account information.

1 is a schematic diagram showing an electronic application system according to an embodiment of the present invention. FIG. 1 is a block diagram showing the hardware configuration of an account inquiry device according to an embodiment of the present invention. FIG. 1 is a block diagram showing the functional configuration of an account inquiry device according to an embodiment of the present invention. FIG. 3 is a diagram showing an account information input screen according to an embodiment of the present invention. 3 is a flowchart showing account inquiry processing according to an embodiment of the present invention.

Embodiments of the present invention will be described below based on the drawings.

In the following embodiments, an electronic application system for applying for an account linked to My Number is disclosed.

First, an electronic application system according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a schematic diagram showing an electronic application system according to an embodiment of the present invention.

As shown in FIG. 1, the electronic application system 10 includes a My Number database (DB) system 50, an integrated ATM system 60, a financial institution host 70, and an account inquiry device 100.

The My Number DB system 50 stores various personal information associated with My Numbers (individual numbers) that are registered and used using My Number cards. The My Number DB system 50 is operated by, for example, a public institution/organization that manages personal information, and can be used by local governments.

The integrated ATM system 60 interconnects the host servers of each member financial institution via an integrated ATM network, realizes fund transfers between accounts, and also provides beneficiary confirmation services, advance account confirmation services, etc. to financial institutions. provide.

The financial institution host 70 is a host server operated by each financial institution that participates in the integrated ATM system 60, and is interconnected via the integrated ATM network.

As will be explained in detail below, the account inquiry device 100 is operated by a designated financial institution, etc., and receives an account inquiry request from the My Number DB system 50 that includes the account information of the account that is linked to the My Number card and applied for registration. Upon receiving the request, the account inquiry device 100 transmits an account inquiry request to the financial institution host 70 of the account via the integrated ATM system 60, and receives the inquiry result such as the account holder from the financial institution host 70. If the name of the account holder in the inquiry result and the name of the My Number card holder match, the account inquiry device 100 responds to the My Number DB system 50 that the account linked to the My Number card belongs to the My Number card holder. , notifies the My Number DB system 50 that the account information can be registered.

On the other hand, if the name of the account holder in the inquiry result and the name of the My Number card holder do not match, the account inquiry device 100 notifies that there was an error in the input of the My Number card holder, and requests re-input of account information. In this way, if there is an input error in the account information, the account inquiry device 100 can request the My Number card holder to re-enter the account information until the correct account information is input, without requiring manual intervention. This makes it possible to register correct account information by linking it to the My Number card without any hassle.

Here, the account inquiry device 100 may be a server, for example, and may have a hardware configuration as shown in FIG. 2. That is, the account inquiry device 100 includes a drive device 101, an auxiliary storage device 102, a memory device 103, a CPU (Central Processing Unit) 104, an interface device 105, and a communication device 106 that are interconnected via a bus B.

Various computer programs including programs for realizing various functions and processes to be described later in the account inquiry device 100 may be provided by a recording medium 107 such as a CD-ROM (Compact Disk-Read Only Memory). When the recording medium 107 storing the program is set in the drive device 101, the program is installed from the recording medium 107 to the auxiliary storage device 102 via the drive device 101. However, the program does not necessarily need to be installed on the recording medium 107, and may be downloaded from any external device via a network or the like. The auxiliary storage device 102 stores installed programs as well as necessary files and data. The memory device 103 reads programs and data from the auxiliary storage device 102 and stores them when there is an instruction to start a program. The CPU 104, which functions as a processor, executes various functions and processes of the account inquiry device 100, which will be described later, in accordance with various data such as programs stored in the memory device 103 and parameters necessary to execute the programs. The interface device 105 is used as a communication interface for connecting to a network or external device. The communication device 106 executes various communication processes for communicating with external devices.

However, the account inquiry device 100 is not limited to the above-mentioned hardware configuration, and may be realized by any other suitable hardware configuration.

Next, an account inquiry device 100 according to an embodiment of the present invention will be described with reference to FIGS. 3 and 4. Typically, the account inquiry device 100 is operated by a designated financial institution of the local government to which the My Number card holder belongs, but the account inquiry device 100 according to the present invention is not limited to this, and can be operated by other financial institutions other than the designated financial institution. It may also be operated by financial institutions, information service providers, etc. FIG. 3 is a block diagram showing the functional configuration of the account inquiry device 100 according to an embodiment of the present invention.

As shown in FIG. 3, the account inquiry device 100 includes an interface section 110 and an inquiry section 120.

The interface unit 110 receives an account inquiry request for an account for which registration has been applied for in association with the My Number Card, and returns an account inquiry response based on the inquiry result from the inquiry unit 120. Specifically, when the My Number DB system 50 receives an application from a My Number card holder to register a bank account associated with the My Number card, the interface unit 110 sends an account inquiry request for the applied bank account to the My Number DB. Received from system 50. For example, in order to apply for a bank account to receive benefits, etc., a My Number card holder accesses a website operated by the My Number DB system 50 and enters account information on an application screen provided by the website.

As an example, the My Number DB system 50 allows a My Number card holder who has accessed a website to read his or her My Number card into an attached card reader and input a PIN number, and if authentication is successful, ) will display an account information input screen as shown in . For example, on the account information input screen, the name of the My Number card holder may be displayed in advance from the information read from the My Number card as the account holder and cannot be edited. This saves the My Number card holder the trouble of inputting the account holder's name, and also avoids erroneously applying for registration of a family member's account.

On the account information input screen shown in Figure 4(a), the My Number card holder enters the financial institution name, branch name, account type, and account number of the bank account for which the My Number card holder is applying for registration, and the information shown in Figure 4(b) is entered. When you press the "Next" button on the account information entry screen, the My Number DB system 50 sends an account inquiry request containing account information consisting of the account holder, financial institution name, branch name, account type, and account number. is sent to the account inquiry device 100.

In one embodiment, the account information may be obtained by image recognition of an image obtained by imaging a bankbook or cash card. For example, the cover of the passbook or the front of the cash card of the bank account for which the My Number card holder applies for registration is imaged with a digital camera, and the obtained image of the cover of the passbook or the front of the cash card is sent to the My Number DB system 50. You may also provide account information. After acquiring the image, the My Number DB system 50 may extract account information from the image using an image recognition function using AI (Artificial Intelligence) or the like.

Note that, since financial institutions have repeatedly undergone mergers and name changes, the financial institution name or branch name written on the imaged passbook or cash card may have changed. Therefore, the financial institution name or branch name recognized by the image recognition function is checked by referring to the correspondence table between the financial institution name or branch name before the change and the financial institution name or branch name after the change. The account information may be converted into a financial institution name or branch name, and an account inquiry request may be generated based on the converted account information. Thereby, user convenience can be improved.

In this way, upon receiving the account inquiry request from the My Number DB system 50, the interface section 110 passes the received account inquiry request to the inquiry section 120.

The inquiry unit 120 inquires about the applied account and obtains the inquiry result. Specifically, upon acquiring an account inquiry request including account information of the account for which registration has been applied for from the interface unit 110, the inquiry unit 120 uses the beneficiary account confirmation service or advance account confirmation service of the integrated ATM system 60. , obtain the account holder of the inquired account. The beneficiary account confirmation service is a well-known service provided by the integrated ATM system 60 that, when a financial institution name, branch name, account type, and account number are obtained during a transfer, etc., the account holder of the account is notified as an inquiry result. This is the service. In addition, the advance account confirmation service is an integrated ATM system that notifies the account holder of the account as an inquiry result when the financial institution name, branch name, account type, and account number are provided in advance before performing a transfer, etc. This is a known service provided by 60.

According to these services, does the notified account holder of the account identified by the financial institution name, branch name, account type, and account number match the name of the My Number card holder included in the account inquiry request? By making this determination, the account inquiry device 100 can confirm whether the account corresponding to the account information input by the My Number card holder is the My Number card holder's account.

For example, if the account holder obtained as an inquiry result matches the name of the My Number card holder, the inquiry unit 120 determines that the account for which registration has been applied for belongs to the My Number card holder, and the determination result ( OK judgment) is returned to the interface unit 110. Upon receiving the OK determination, the interface unit 110 notifies the My Number DB system 50 as an account inquiry response that the account can be registered. Upon receiving the account inquiry response, the My Number DB system 50 registers the bank account applied for by the My Number card holder in association with the My Number. As a result, it can be confirmed on the electronic application system 10 that the applied account is the account of the My Number card holder whose identity has been verified by the electronic signature based on the PIN number, and the account linked to the My Number. It can be registered as.

On the other hand, if the account holder obtained as an inquiry result does not match the name of the My Number card holder, the inquiry unit 120 determines that the account for which the registration application was applied does not belong to the My Number card holder, and issues the determination result (NG). judgment) is returned to the interface unit 110. Upon receiving the NG determination, the interface unit 110 notifies the My Number DB system 50 as an account inquiry response that the account cannot be registered, and waits to receive the re-entered account information. Upon receiving the account inquiry response, the My Number DB system 50 may prompt the My Number card holder to re-enter account information without registering the bank account being applied for. Thereby, the My Number card holder can confirm input errors during the application for account registration to the My Number DB system 50, and can immediately re-enter the correct account information. Therefore, compared to the conventional method of notifying and correcting input errors manually, it becomes possible to register the applied account more quickly.

Next, with reference to FIG. 5, account inquiry processing according to an embodiment of the present invention will be described. The account inquiry process may be executed by, for example, the account inquiry apparatus 100 described above, and in particular may be realized by a processor of the account inquiry apparatus 100 executing a program stored in a memory. FIG. 5 is a flowchart showing account inquiry processing according to an embodiment of the present invention.

As shown in FIG. 5, in step S101, the account inquiry device 100 receives an account inquiry request for an account that has been applied for registration in association with the My Number card. For example, after the applicant is authenticated by having his/her My Number card read into a card reader and entering his/her PIN number into the My Number DB system 50, the applicant will be required to enter the name of the financial institution and branch of the account for which he or she is applying for registration. Enter your name, account type, and account number. After the input, the My Number DB system 50 passes the input financial institution name, branch name, account type, and account number along with the name of the My Number card holder to the account inquiry device 100 as account information of the account to be inquired.

In step S102, the account inquiry device 100 inquires about the applied account using the received account information. Specifically, the account inquiry device 100 transmits the financial institution name, branch name, account type, and account number of the account to be inquired to the integrated ATM system 60, and receives the account holder of the account to be inquired as the inquiry result.

In step S103, the account inquiry device 100 determines whether the name of the account holder and the name of the My Number card holder received as the inquiry result match, and if they match (S103: YES), the account is the account of the My Number card holder, and in step S104, the My Number DB system 50 is notified that the account can be registered.

On the other hand, if they do not match (S103: NO), the account inquiry device 100 determines that the applied account is not the account of the My Number card holder, and in step S105, informs the My Number DB system that the account cannot be registered. Notify 50. Upon receiving the notification, the My Number DB system 50 notifies the My Number card holder who is applying for registration that the account cannot be registered due to an input error, etc., and urges the holder to re-enter the account for which the registration is being applied. Good too. When the account information is re-entered during the electronic application, the account inquiry device 100 re-receives an account inquiry request including the re-entered account information from the My Number DB system 50 in step S101, and performs the steps described above. repeat.

Although the embodiments of the present invention have been described in detail above, the present invention is not limited to the specific embodiments described above, and various modifications can be made within the scope of the gist of the present invention described in the claims. - Can be changed.

10 Electronic application system 50 My number DB system 60 Integrated ATM system 70 Financial institution host 100 Account inquiry device 110 Interface section 120 Inquiry section

Claims (4)

an interface unit that receives account information applied for registration in association with My Number;
an inquiry unit that obtains the account holder's name based on the account information;
If the account holder matches the name of the My Number card holder, the interface unit notifies that the account can be registered, and if the account holder matches the name of the My Number card holder. If not, the account inquiry device notifies that the account cannot be registered. The account inquiry device according to claim 1, wherein the interface unit waits for re-application for the account when notifying that the account cannot be registered. A method performed by an account inquiry device, the method comprising:
receiving account information applied for registration in association with My Number;
obtaining an account holder name based on the account information;
If the account holder's name matches the name of the My Number card holder, it will be notified that the account can be registered; if the name does not match the name of the My Number card holder, the account will be registered. a step of notifying that registration is not possible;
An account inquiry method with 4. The account inquiry method according to claim 3, further comprising waiting for a re-application for the account when it is notified that the account cannot be registered.

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