JP2010066951A - Electronic application system and host thereof computer - Google Patents

Abstract

An electronic application technology that reduces the burden on both a user and a supplier is provided.
An information processing terminal accepts an application for a user-desired service from a user, reads the personal information from a first portable device storing the user's personal information, and obtains information on a charge deduction source. The withdrawal source information is read from the stored second portable device. The terminal transmits application information including application contents information representing the contents of the application, personal information, and withdrawal source information to the host computer. The host computer stores the application information received from the information processing terminal in the storage means, and inquires of the computer of the organization that manages the withdrawal source indicated by the withdrawal source information in the application information about the existence of the withdrawal source. After confirming the presence of the withdrawal source by the inquiry, the host computer transmits the application information to the computer of the service supplier specified from the application content information in the application information.
[Selection] Figure 6

Description

  The present invention relates to electronic applications.

  As techniques relating to electronic applications, for example, techniques disclosed in Patent Documents 1 and 2 are known.

  Patent Document 1 discloses a technique for issuing a cash card using an automatic contract apparatus. Specifically, the user inputs personal information and application contents into a personal computer or the like. The personal information and application contents are transmitted from the personal computer to the dedicated host. The dedicated host verifies the identity of the card issuer and issues a password when the identity is confirmed. When the user inputs the password to the automatic contract device, a cash card is issued.

  Patent Document 2 discloses a technique for changing an address from an ATM (Automatic Teller Machine). Specifically, the ATM reads the address information visually displayed on the Basic Resident Register Card (hereinafter referred to as “Juki Card”) with an OCR (Optical Character Reader), and reads the account number from the cash card. The ATM then sends the account number and address information to the financial institution. The financial institution changes the address information managed in association with the account number to the address information sent.

JP 2002-236802 A JP 2006-251971 A

By the way, when applying for various services such as purchase of a mobile phone or admission to a sports gym, in general, a user and a supplier (a person who provides a service (for example, a company)) need to perform the following operations.
User: Personal information (for example, user name, address, etc.) and information from which charges were deducted (for example, information including the account number of a financial institution or credit card number) by hand in a predetermined application form Fill out. Depending on the type of service to be applied or the supplier of the application destination, the registration stamp of the withdrawal source account is pushed on the above application form or another form.
Supplier: By inquiring with the institution that manages the withdrawal source (for example, if the withdrawal source is a deposit account, the bank that manages the deposit account) to see if there is a withdrawal source entered in the application form, Check whether the withdrawal source exists. In the inquiry, for example, a seal stamp request is made as to whether or not the seal stamp pressed by the user is a withdrawal source notification stamp.

  In the general application method as described above, both the user and the supplier are burdened.

  That is, there is a burden on the user that personal information and withdrawal source information must be entered by handwriting. In some cases, it may be necessary to search for a notification mark of the withdrawal source or press the notification mark.

  In addition, for the supplier, it is necessary to confirm whether or not the withdrawal source exists by the method described above, and to ensure that the personal information is not leaked from the application form in which the personal information is filled. It takes a management burden of having to manage. Confirmation of the withdrawal source is costly and time consuming, while managing the application form is burdensome because paper media in which personal information is entered is the subject of management.

  Accordingly, an object of the present invention is to provide an electronic application technique that reduces the burden on both the user and the supplier.

  The electronic application system accepts an application for a service desired by the user from the user, a first reading means for reading the personal information from the first portable device storing the user's personal information, and a charge deduction Second reading means for reading withdrawal source information from the second portable device storing the original information, and application information including the application content information representing the contents of the application, personal information and withdrawal source information After confirming the existence of the withdrawal source by the inquiry, the storage means for storing in the means, inquiry means for inquiring about the existence of the withdrawal source to the computer of the organization that manages the withdrawal source represented by the withdrawal source information in the application information, Transmission means for transmitting the application information to the computer of the service supplier specified from the application content information in the application information.

  This electronic application system may be an information processing terminal or a combination of an information processing terminal and its host computer.

  The “information processing terminal” is, for example, an automatic transaction apparatus (typically an ATM (Automatic Teller Machine)) installed in a personal computer or a mobile phone owned by a user, or a convenience store.

  The “first portable device” is, for example, a mobile phone or a card-type storage medium. As the “card-type storage medium”, various media such as a magnetic card or an IC card can be adopted. Specific examples of the case where the first portable device is a card-type storage medium include a basic resident register card, a license card, a passport card, and an insurance card.

  The “second portable device” is, for example, a mobile phone or a card-type storage medium. As the “card-type storage medium”, various media such as a magnetic card or an IC card can be adopted. As a specific example when the second portable device is a card-type storage medium, there is a cash card or a credit card. Accordingly, as the “withdrawal source information”, for example, information including a deposit account number or a cash card number can be considered. The “institution that manages the withdrawal source” may be a bank, a post office, a credit card company, or the like. Note that the second portable device may be the same as the first portable device (for example, withdrawal information may be stored in a mobile phone in which personal information is stored).

  The information processing terminal includes at least an application receiving unit, a first reading unit, and a second reading unit. The information processing terminal transmits the application information described above to the host computer.

  In a preferred embodiment, both storage means and inquiry means are provided in the host computer.

  In another preferred embodiment, the inquiry means is provided in the information processing terminal, and either the storage means or the transmission means is provided in the host computer. In this case, the information processing terminal notifies the inquiry result to the host computer. The transmission means in the host computer does not transmit the application information to the supplier's computer if the inquiry result notified from the information processing terminal is a result that the existence of the withdrawal source cannot be confirmed.

  In another preferred embodiment, the storage means is provided in the information processing terminal, and either the inquiry means or the transmission means is provided in the host computer.

  The above-mentioned “storage means” that is the storage destination of the application information from the storage means may be a storage resource existing in the host computer, a storage resource existing in the information processing terminal, or a host The computer and the information processing terminal may be storage resources that exist in different places.

  In a preferred embodiment, the electronic application system further comprises application information deleting means for deleting the application information from the storage means after the application information is transmitted. The application information deleting means may be provided in either the information processing terminal or the host computer. For example, the application information deleting means is provided in the information processing terminal or the host computer that has storage means.

  In a preferred embodiment, the electronic application system sends the application information to the first or the second portable device or a third portable device (for example, a raw card described later) in which no significant information is stored. Write means for writing information necessary for using the user-desired service generated based on the service is further provided. As the information, for example, member information can be considered. This writing means is provided in the information processing terminal described above.

  Hereinafter, several embodiments of the present invention will be described with reference to the drawings. In the following explanation, the Basic Portable Resident Register Card (hereinafter referred to as Juki Card) is taken as an example of the first portable device in which personal information is stored, and the second transferable device in which withdrawal information is stored. As a portable device, a cash card in which card information including a deposit account number is stored is taken as an example.

  FIG. 1 shows a system configuration according to Embodiment 1 of the present invention.

  In the present embodiment, the user can apply for a pay service desired by the user from an ATM installed in a convenience store.

  The ATM 103 communicates with a host computer (hereinafter referred to as a host) 115 via the communication network 111. Although there are a plurality of ATMs 103, only one is shown in the figure for easy understanding.

  In addition to the ATM 103, the host 115 can communicate with a plurality of bank servers 105, 105,... And a plurality of supplier servers 101, 101,. The “bank server” is a server related to a bank and manages an account. The “supplier server” is a server related to a supplier (provided service provider). Each of the host 115, the bank server 105, and the supplier server 111 includes a CPU, a storage device (for example, a memory), and the like.

  The host 115 manages the application supervision management DB 117. The application supervision management DB 117 has information related to various applications received from a plurality of ATMs 103. This DB 117 may be stored in either the storage device inside or outside the host 115.

  Each supplier server 101 manages the application individual management DB 106. The individual application management DB 106 has information related only to an application for the supplier (a supplier corresponding to the supplier server 101 that manages the DB 106). That is, the information regarding the application with respect to another supplier is not stored in the application individual management DB 106 for the supplier. The DB 106 may be stored in any storage device inside or outside the supplier server 101.

  FIG. 2 shows the configuration of the ATM 103.

  The ATM 103 includes a communication unit 1031, a control unit 1032, a storage unit 1033, an IC reader / writer 1034, a card reader / writer 1035, a placement unit 1036, a card insertion unit 1037, a button group 1038, a display unit 1039. The communication unit 1031 is a device that is connected to the communication network 111 and serves as a communication interface with the host computer 115. The control unit 1032 is, for example, a microprocessor, and controls the operation of the ATM 103 by executing a predetermined computer program. The storage unit 1033 is a memory or other storage device. The placement unit 1036 is a stage on which the mobile phone 50 is placed. The IC reader / writer 1034 reads information from an IC chip (hereinafter sometimes referred to as “mobile IC chip”) in the mobile phone 50 placed on the placement unit 1036, or reads information from the mobile IC chip. Write. The card insertion unit 1037 is a slot that accepts card insertion. The card reader / writer 1035 is a device that can read out card information that is information stored in a card inserted into the card insertion unit 1037 or write information into the card. The button group 1038 is used for inputting specific information such as a PIN (for example, a personal identification number). The display unit 1039 is, for example, a touch panel display device.

  FIG. 3 is a functional block diagram of the host 115.

  The host 115 includes an account confirmation unit 1151, an application information storage unit 1152, an application information providing unit 1153, and an application information deleting unit 1154. The account confirmation unit 1151 confirms whether an account designated by the user exists. The application information storage unit 1152 stores the application information received from the ATM 103 in the application management management DB 117. The application information providing unit 1153 transmits the application information in the application supervision management DB 117 to the supplier server 101 of the supplier that is the application destination. The application information deletion unit 1154 deletes the application information from the application management management DB 117. At least one of these elements 1151-1154 is a computer program that is read from the memory in the host 115 and executed by the CPU.

  FIG. 4 shows the configuration of each application management data that constitutes the application management management DB 117.

  The application management data includes application management information, application progress status, and application information.

  The application management information is information related to the application position and date. For example, the application management information includes a store code (a code indicating the store where the applied ATM 103 is installed), an ATM code (a code indicating the applied ATM 103), and an application date and time (the date and time when the application is received). Is included.

  The application progress status is a status representing the application progress status. The application progress status includes statuses such as “account not confirmed”, “accounting confirmed”, “account confirmed”, and “application completed”, for example.

  The application information is information related to the application input to the ATM 103, and includes, for example, application content information, account information, and personal information. The application content information is information relating to the application content, and includes, for example, a supplier name (the name of the supplier to which the service is applied), a service name (the name of the service to be applied), a service start date and time, and the like. The account information is information including, for example, an account number and information about a bank that manages the account number. The personal information is information including the name and address of the user.

  FIG. 5 shows the configuration of each application individual management data constituting the application individual management DB 106.

  The application individual management data includes application information. The application information is information provided from the host 115.

  Hereinafter, the flow of processing performed in this embodiment will be described with reference to FIG.

  The control unit 1032 of the ATM 103 displays the application menu screen on the display unit 1039 (S600). The application menu screen displays a plurality of application options corresponding to a plurality of types of paid services. Examples of the paid service include purchasing a mobile phone and joining a sports gym.

The user selects an application option corresponding to a desired paid service from the application menu screen (S601).
The control unit 1032 of the ATM 103 executes application processing corresponding to the selected application option (S602). Specifically, the control unit 1032 writes application content information corresponding to the selected application option in the storage unit 1033. In addition, the control unit 1032 instructs the user to insert a basic resident register card (hereinafter referred to as Juki card) 501 and a cash card 503, and receives the Juki card 501 and the cash card 503 from the user. The control unit 1032 reads personal information from the Juki card 501 through the card reader / writer 1035 and writes it into the storage unit 1033, and reads account information from the cash card 503 and writes it into the storage unit 1033. The control unit 1032 transmits application information including application content information, personal information, and account information stored in the storage unit 1033 to the host 115 via the communication unit 1031.

  The host 115 receives the application information, and the application information storage unit 1152 in the host 115 generates application integrated management data including the application information, and stores the data in the application integrated management DB 117 (S603). As described above, the application management data includes application management information and application progress status in addition to the application information. The application progress status in the data stored in S603 represents “account unconfirmed”.

  The account confirmation unit 1151 inquires of the bank server of the bank indicated by the bank information in the account information in the received application information whether the account number in the account information exists (S604). Specifically, for example, the account confirmation unit 1151 transmits a balance inquiry message specifying the account number to the bank server. At that time, the account confirmation unit 1151 updates the application progress status in the application management data stored in S603 to “accounting”.

  If the presence of the account number cannot be confirmed as a result of S604 (S605: NO), the account confirmation unit 1151 notifies the ATM 103 of NG (error). In this case, the control unit 1032 of the ATM 103 displays NG (for example, a message indicating that an application cannot be made with the account number of the inserted cash card 503) on the display unit 1039.

  On the other hand, if the presence of the account number can be confirmed as a result of S604 (S605: YES), the account confirmation unit 151 notifies the ATM 103 of OK (success). Further, the account confirmation unit 151 updates the application progress status in the application management data stored in S603 to “account confirmed” (S606).

  When the control unit 1032 of the ATM 103 receives OK from the ATM 103, information representing the application result is printed (S607). Thereby, the user receives the receipt 507 on which the application result information is printed. The application result information to be printed includes information indicating that the application is successful and application information.

  The user moves from the convenience store to the supplier's store that actually provides the applied paid service. The user gives a receipt (hereinafter referred to as an application result receipt) 507 on which application result information is printed to the store clerk (S651).

  The store clerk operates an information processing terminal (hereinafter referred to as a supplier terminal) connected to the supplier server 101 to give an application confirmation instruction to the supplier server 101 based on the application result information printed on the application result receipt 507. Send (S652). The application confirmation instruction includes, for example, an application ID included in the application result information.

  In response to the application confirmation instruction from the supplier terminal operated by the store clerk, the supplier server 101 creates an application confirmation request and transmits it to the host 115 (S653). The application confirmation request includes the application ID included in the application confirmation instruction.

  In response to the application confirmation request from the supplier server 101, the application information providing unit 1153 of the host 115 refers to the application administration management DB 117 using the application ID included in the request as a key, and the application corresponding to the application ID It is determined whether the progress status is “account confirmed” (S654). Specifically, the application information providing unit 1153 refers to the application progress status in the application management data having the application ID. If the status indicated by the information is “account confirmed” (S654: YES), the application information providing unit 1153 transmits the application information in the application management data to the supplier server 101 (S655). If this is the case (S654: NO), NG is returned to the supplier server 101.

  When the supplier server 101 receives the application information from the host 115, the supplier server 101 stores the application individual management data including the application information in the application individual management DB 106, and the application confirmation instruction received in S653 that the application confirmation has been made. Is notified to the supplier terminal of the transmission source (S656). As a result, a message indicating that the application has been confirmed is displayed on the display screen of the supplier terminal. When the clerk sees the message, the clerk provides the user with a pay service to be applied (S657). For example, if the paid service is purchase of a mobile phone, the store clerk provides the user with a mobile phone desired by the user.

  After application information is transmitted (for example, immediately after application information is transmitted or immediately after receiving a response indicating that application individual management data has been stored from supplier server 101), transmission is performed by application information providing unit 1153. The application progress status in the application management data including the applied application information is updated to “application completed”. The application information deleting unit 1154 of the host 115 deletes the application general management data whose application progress status is “application completed” from the application general management DB 117 (S660). Since the application information in the application management data includes personal information, this S660 can be expected to prevent personal information from leaking.

  The above is the description of the first embodiment. The application result information may be written in the portable IC chip instead of or in addition to printing. In this case, instead of or in addition to handing over the receipt 507, the user passes the mobile phone storing the application result information to the store clerk, or presents the mobile phone displaying the application result information to the store clerk. May be. Also, the application information deletion unit 1154 periodically checks the application management management DB 117, and if it detects application management data whose application progress status is “application completed”, it may delete it. good.

  As described above, according to this embodiment, the personal information provided to the host 115 is information read from the Juki card 501, and the account information is information read from the cash card 503. Therefore, it is not necessary for the user to manually input personal information and account information.

  Further, according to this embodiment, the host 115 confirms whether or not an account exists by transmitting a balance inquiry message including the account number to the bank server 105. Therefore, it is possible to confirm the account without substantially incurring costs, and furthermore, since there is no need for the supplier to confirm the account (since there is no need to make a seal verification request), in terms of the administrative procedure of the supplier The burden of is reduced.

  Further, according to this embodiment, information to be managed, that is, personal information, account information, and application content information are all electronic information and not information written on a paper medium. Therefore, the burden on the management side of personal information etc. is reduced for the supplier.

  Also, according to this embodiment, application information is transmitted from the host 115 to the supplier server 101 when the existence of an account is confirmed. As a result, the supplier can simultaneously receive the application information (personal information and account information) and confirm that the account exists. That is, conventionally, the account confirmation work and the reception of the application information have been performed at different times, but in this embodiment, they can be unified.

  Embodiment 2 of the present invention will be described below. At that time, differences from the first embodiment will be mainly described, and the description of the common points with the first embodiment will be omitted or simplified (the same applies to the third embodiment described later).

  FIG. 7 shows a flow of processing performed in the second embodiment of the present invention. In FIG. 7, the difference from the first embodiment is indicated by a thick line.

  This embodiment is effective when the pay service to be applied is a pay service using a card (or mobile phone) storing member information.

  In this embodiment, in addition to the Juki card 501 and the cash card 503, a raw card (or a mobile phone having a mobile IC chip) 505 is inserted (or placed) in the ATM 103. Here, the “raw card” is a card that can store information (for example, a card having an IC chip) and does not store significant information. Member information is stored in the raw card (or mobile phone) 505 as described later. The raw card may be distributed from a store clerk in a convenience store, for example, or may be provided in the ATM 103 in advance.

  When the control unit 1032 of the ATM 103 receives OK (success) from the host 115, the application result information and the member information frame are written in the raw card (or portable IC chip) instead of printing the application result information (S607 '). ).

  The user gives the store clerk the raw card (or mobile phone) 505 in which the application result information and the member information frame are stored (S651 ′). The store clerk sets the raw card (or mobile phone) 505 in the supplier terminal and operates the supplier terminal to transmit an application confirmation instruction to the supplier server 101. The application confirmation instruction includes an application ID read by the supplier terminal from the raw card (or mobile phone) 505.

  When the supplier server 101 receives the application information from the host 115, the supplier server 101 stores the application individual management data including the application information in the application individual management DB 106, and also adds the member information generated based on the application information to the supplier. Transmit to the terminal (S657 '). The member information is stored in the member information frame in the raw card (or mobile phone) 505 set in the supplier terminal by the supplier terminal (S701). The member information includes, for example, a copy of the personal information included in the application information and a member number assigned according to a predetermined rule.

  FIG. 8 shows the flow of processing performed in the third embodiment of the present invention. In FIG. 8, the difference from the first embodiment is indicated by a thick line.

  Similarly to the second embodiment, this embodiment is also effective when the pay service to be applied is a pay service using a card (or mobile phone) storing member information.

  In addition to the Juki card 501 and the cash card 503, a raw card (or a mobile phone having a mobile IC chip) 505 is inserted (or placed) in the ATM 103.

  The application information providing unit 1153 of the host 115 transmits the member information generated based on the application information to the ATM 103 after S606 (S801). The control unit 1032 of the ATM 103 writes the received member information to the raw card (or mobile phone) 505 (S802).

  Also, the application information providing unit 1153 of the host 115 transmits the application information to the supplier server 101 of the supplier specified based on the application content information in the application information (S803). The supplier server 101 stores the individual application management data including the application information in the individual application management DB 106 (S804).

  The above is the description of the third embodiment. Note that S801 may not be performed. In this case, the control unit 1032 of the ATM 103 generates member information based on the application information, and writes the generated member information on the raw card (or mobile phone) 505. But it ’s okay.

  As mentioned above, although several Example of this invention was described, these Examples are only the illustration for description of this invention, and is not the meaning which limits the scope of the present invention only to these Examples. The present invention can be implemented in various other modes without departing from the gist thereof.

  For example, in at least one of the first to third embodiments, the application management data may be stored for a certain period of time instead of being deleted immediately after the application progress status becomes “application completed”. Further, for example, when accepting an application, the ATM 103 may accept a selection from the user regarding the handling of personal information, such as whether to delete the personal information immediately after the application is completed or to store it for a while. In this case, information indicating what is selected by the user (hereinafter referred to as “handling information”) is transmitted from the ATM 103 to the host 115, and the handling information is stored together with the application management data. The application information deleting unit 1154 deletes the application management data corresponding to the handling information at a timing according to the stored handling information.

  In at least one of the first to third embodiments, (1) storing application management data, (2) checking an account, (3) transmitting application information to the supplier server 101, and (4) application management At least one of the data deletion may be performed by the ATM 103 (that is, all of the above (1) to (4) may be performed by the ATM 103). For example, when the ATM 103 performs account confirmation, for example, a balance inquiry message from the ATM 103 is transferred to the bank server 105 by a hub (not shown).

  Further, for example, instead of the ATM 103, an ATM installed in a bank may be employed, or an information processing terminal (for example, a personal computer or a mobile phone) used by a user may be employed.

1 shows a system configuration according to Embodiment 1 of the present invention. The structure of ATM103 is shown. 2 is a functional block diagram of a host 115. FIG. The structure of each application general management data which comprises the application general management DB117 is shown. The structure of each application individual management data which comprises application individual management DB106 is shown. The flow of the process performed in Example 1 of this invention is shown. The flow of the process performed in Example 2 of this invention is shown. The flow of the process performed in Example 3 of this invention is shown.

Explanation of symbols

  101 ... Supplier server 105 ... Bank server 103 ... ATM 115 ... Host

Claims (7)

Application accepting means for accepting an application for a user desired service from the user;
First reading means for reading the personal information from the first portable device storing the personal information of the user;
Second reading means for reading the withdrawal source information from a second portable device storing information on the withdrawal source of the charge;
Storage means for storing application information including application contents information representing the contents of the application received from the user and the read personal information and withdrawal source information in a storage means;
Inquiry means for inquiring about the existence of the withdrawal source to a computer of an organization that manages the withdrawal source represented by the withdrawal source information in the application information;
An electronic application system comprising: transmission means for transmitting the application information to a computer of a supplier of a service specified from the application content information in the application information after the inquiry confirms the existence of the withdrawal source. Application information deleting means for deleting the application information from the storage means after the application information is transmitted by the transmitting means;
The electronic application system according to claim 1. In order to use the user-desired service generated based on the application information in the first or second portable device or the third portable device in which no significant information is stored. A writing means for writing necessary information;
The electronic application system according to claim 1 or 2. An information processing terminal having the application receiving means, the first reading means and the second reading means, and a host computer of the information processing terminal;
The storage means, the inquiry means, and the transmission means are provided in the host computer.
The electronic application system in any one of Claims 1 thru | or 3. An information processing terminal having the application receiving means, the first reading means and the second reading means, and a host computer of the information processing terminal;
The inquiry means is provided in the information processing terminal;
One of the storage means and the transmission means is provided in the host computer,
The electronic application system in any one of Claims 1 thru | or 3. An information processing terminal having the application receiving means, the first reading means and the second reading means, and a host computer of the information processing terminal;
The storage means is provided in the information processing terminal;
Either of the inquiry means and the transmission means is provided in the host computer,
The electronic application system in any one of Claims 1 thru | or 3. A host computer that communicates with an information processing terminal,
Receiving means for receiving, from the information processing terminal, application content information indicating the content of the application desired by the user, personal information of the user, and application information including information on a charge withdrawal source;
Storage means for storing the received application information in a storage means;
Inquiry means for inquiring about the existence of the withdrawal source to a computer of an organization that manages the withdrawal source represented by the withdrawal source information in the application information;
A host computer comprising: transmission means for transmitting the application information to a computer of a service supplier specified from the application content information in the application information after the inquiry confirms the existence of the withdrawal source.

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