JP6735374B1 - Customer information management device and customer information management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a customer information management device and a customer information management method capable of coping with requirements of customer management which differ depending on a business having a transaction with a customer. SOLUTION: A customer information management server corresponding to the customer information management apparatus according to the present invention, which is shared by two or more financial institutions and the like, performs an account confirmation and an identity confirmation by referring to an integrated ATM network or a mobile carrier information server. The executed customer information is stored, and the risk level set for each customer with whom each financial institution has a transaction is stored as a confirmation requirement regarding confirmation of the customer information necessary for the transaction. By providing the customer information according to the risk level to the system of each financial institution, etc., the customer information can be efficiently managed and the burden on both the customer and the financial institution can be reduced, while It is possible to provide customer information in accordance with the customer management requirements established by financial institutions, etc. [Selection diagram]

Description

The present invention relates to a customer information management device and a customer information management method suitable for managing customer information in financial institutions and the like.

In continuous transactions with businesses such as financial institutions, customers are often required to register their personal information.For example, if the address changes due to moving, the registered address must be changed for each business. Must be notified to the person. In order to reduce the burden on the customer in such a case, the customer information of a plurality of businesses is collectively managed, and when the personal information change is accepted from the customer, the personal information of the customer is registered. Inventions relating to a computer system for transmitting changed information to computers of a plurality of businesses have been disclosed (see, for example, Patent Documents 1 and 2).

When using a system for collectively managing a plurality of customer information as described above, it may be desirable to limit the type and range of personal information to be provided, depending on the business operator with which the customer deals. In order to meet the needs of such customers, an invention relating to a computer system capable of setting items of information to be provided in accordance with a destination to which personal information is provided is disclosed (for example, see Patent Documents 3 and 4).

JP-A-2002-215844 JP 2002-366872 A JP, 2006-127454, A JP, 2004-13428, A

By the way, in recent years, international measures against money laundering (laundering money to conceal the source of money obtained from crimes) and financing to terrorists have been strengthened. Guidelines for Countermeasures against Money Laundering and Terrorist Financing" (https://www.fsa.go.jp/news/30/20180206/besshi1.pdf) have been published, and financial institutions, etc. Is required.

Specifically, financial institutions are required to identify and evaluate the risks of money laundering and financing of terrorists and take appropriate measures to reduce them effectively. (Refer to the guideline 8-21 p.), as a risk reduction measure, strict customer management shall be performed for customers who are considered to be at high risk of money laundering and financing of terrorists. Is required (see the same guideline, 12p.).

As a strict method of customer management, the guidelines stipulate that for customers who are considered to be at high risk of money laundering or financing of terrorists, the asset and income status of the customer should be adjusted according to the risk. And additional information on transaction objectives, etc., and regularly updating and monitoring such information (see 13p. of the same guideline). It is required to manage customer information according to risks of laundering and financing of terrorists.

When financial institutions, etc. come to perform such strict customer management, for customers who use financial institutions, etc., in addition to general personal information, assets and There may be a need for additional information on the status of income and the purpose of the transaction. Furthermore, since such information is required to be different at different timings depending on the financial institution, it is expected that registration and change of information will be a burden.

In order to deal with such a problem, it is conceivable to use a system that collectively manages customer information as in the inventions disclosed in Patent Documents 1-4, but even for the same customer, financial institutions, etc. Depending on the situation, the necessary information may differ from the update timing, so it is not possible to deal with it only with a mechanism for managing standardized personal information such as addresses and names. Patent Documents 3 and 4 disclose inventions in which items of information to be provided can be set according to the information providing destination. However, these inventions are provided for each business operator according to the wishes of the customer. It controls the information provided to the customer and cannot deal with the difference in the customer management requirements on the side of the business operator who has transactions with customers such as financial institutions.

The present invention has been made in order to address these problems, and it is possible to meet the requirements for customer management that differ depending on the business operator having a transaction with the customer, and especially for managing customer information in financial institutions. It is an object of the present invention to provide a suitable customer information management device and a customer information management method.

The present invention for solving such a problem is to provide a customer information storage unit for storing customer information in which a risk level corresponding to each information item is set for predetermined information about the customer, and the customer information in the customer information storage unit. Confirmation requirement storing means for storing, as confirmation requirements, requirements regarding confirmation of customer information necessary for transactions with customers, for each of two or more businesses having transactions with customers, for which each business is stored. Setting means for setting a risk level determined for each customer who has a transaction in the confirmation requirement storage means as a confirmation requirement, and the business operator stored in the customer information storage means in the business operator's computer. Among the customer information of the customers who have it, there is provided a providing means for providing customer information corresponding to the risk level set by the business operator as a confirmation requirement for each customer in the confirmation requirement storing means, customer information management It is a device.

In the present invention, in the customer information management device shared by two or more businesses, the risk level determined for each customer with which each business has a transaction is set as a confirmation requirement for confirmation of customer information necessary for the transaction, By providing the customer information according to the risk level to each business, it is set for each business while efficiently managing the customer information and reducing the burden on both the customer and the business. It is possible to provide customer information to each business according to customer management requirements.

Note that the customer information in the present invention may include personal information such as the customer's name and address, as well as information about the customer confirmed by an interview with the customer. The method of providing customer information to the computer of the business operator is not particularly limited. For example, the customer information may be sent in a push type to the computer of the business operator, and access authority may be set for each business operator. It may be configured such that the customer information is provided and pull-typed to obtain the customer information from the computer of the business operator.

Further, the present invention is characterized in that the customer information storage means stores, for one customer, customer information that can correspond to the highest risk level set for the customer in the confirmation requirement storage means. You can also do it.

With this configuration, if the customer registers his or her own customer information in the customer information management apparatus according to the present invention, the customer information satisfying the requirements set by each business operator having the transaction is the customer information management according to the present invention. Since it is not necessary to register the customer information provided by the device according to the request of each business operator, it is possible to further reduce the burden on the customer for registering the customer information.

Further, in the present invention, the setting means sets the update timing of the customer information set for each customer with whom each business operator has a transaction, in the confirmation requirement storage means as a confirmation requirement, and in the customer information storage means, For one customer, customer information updated according to the update timing with the highest update frequency set for the customer in the confirmation requirement storage means may be stored.

With this configuration, if the customer updates his or her own customer information in response to a request from the customer information management apparatus according to the present invention, the customer information satisfying the requirements set by each business operator having a transaction is the present invention. It is continuously provided from the customer information management device according to the above, and it becomes unnecessary to update the customer information according to the request of each business operator, so that the burden on the customer for updating the customer information can be further reduced. ..

Further, the present invention, when at least a part of the customer information of one customer stored in the customer information storage means is updated, confirms the confirmation requirement regarding the customer stored in the confirmation requirement storage means, A first judgment means for judging whether there is a business operator who needs to provide updated customer information, wherein the provision means needs to provide the updated customer information. If it is determined that there is a business operator, the updated customer information may be provided to the computer of the business operator.

With this configuration, when the customer information of a customer is updated, the business operator who has transactions with the customer is automatically provided with the updated information according to each confirmation requirement. It is possible to further improve the efficiency of managing customer information of.

Further, the present invention, when at least a part of the confirmation requirements for one customer of the one business operator stored in the confirmation requirement storage means is updated, the business operator is notified to the updated confirmation requirements in correspondence with the updated confirmation requirements. A second determining means for determining whether it is necessary to provide new customer information regarding the customer, wherein the providing means determines that the second determining means determines that the new customer information needs to be provided; It may be characterized in that the new customer information is provided to a computer of the business operator.

If at least a part of the new customer information regarding the customer that the second determination means determines to need to provide to the business is not stored in the customer information storage means, the customer terminal used by the customer It may be characterized by comprising requesting means for requesting transmission of at least a part of the new customer information.

With the above configuration, when the business operator changes the confirmation requirement regarding the customer, by reflecting this in the customer information management device according to the present invention, the customer information newly required due to the change is automatically acquired. In addition, when necessary information is not stored in the customer information management device according to the present invention, the customer is required to have insufficient information, and management of customer information of the business operator is further efficient. be able to.

Further, in the present invention, the customer information storage means stores customer information corresponding to all risk levels at the time of initial registration of customer information of one customer, and the provision means newly stores the customer information in the customer information storage means. When the customer information of a different customer is stored, the customer information corresponding to the first risk level, which is the lowest risk level, is provided to the computers of all businesses having transactions with the customer, and the customer information is provided. When a request for setting a second risk level, which is a risk level higher than the first risk level, is received as a confirmation requirement for the customer from the computer of any one of the business operators, It may be characterized in that the computer is provided with the customer information corresponding to the second risk level stored in the customer information storage means.

With such a configuration, if the customer first registers his or her own customer information necessary for the customer information management apparatus according to the present invention, the customer information according to the customer management requirements determined for each business operator having a transaction, Since the information is automatically provided to each business operator having a transaction, it is possible to further reduce the burden on the customer for registering the customer information and to further efficiently manage the customer information of the business operator.

The present invention can also be specified as a customer information management method executed by the customer information management device according to the present invention.

A customer information management method according to the present invention is a customer information storage unit for storing customer information in which a risk level corresponding to each information item is set for predetermined information about a customer, and the customer information in the customer information storage unit. A confirmation requirement storage means for storing, as confirmation requirements, requirements regarding confirmation of customer information necessary for a transaction with each of the two or more businesses having a transaction with the customer The information management device, a setting step of setting the risk level determined for each customer with which each business operator has a transaction as a verification requirement in the verification requirement storage means, and the customer information management device on the business operator's computer, Among the customer information of customers with whom the business operator has a transaction stored in the customer information storage means, provide customer information corresponding to the risk level set by the business operator as a confirmation requirement for each customer in the confirmation requirement storage means. And a providing step for providing the customer information.

The present invention can also be specified as a customer information management method executed by each configuration of the customer information management device according to the present invention described above.

According to the present invention, even if the requirements for customer management differ depending on the business operator having a transaction with the customer, the customer information management apparatus according to the present invention realizes the collective management of the customer information, and the registration and registration of the customer information. It is possible to reduce the burden on the customer for updating and to efficiently manage the customer information of the business operator. INDUSTRIAL APPLICABILITY The present invention is particularly suitable for a financial institution, etc. to perform customer management that conforms to the “Guideline for Countermeasures against Money Laundering and Terrorism Financing”, and to prevent money from being excessively burdened on the customer or financial institution. -It will contribute to promoting measures against laundering and terrorist financing.

It is a figure showing an outline of an embodiment of a customer information management device concerning the present invention. It is a block diagram showing an example of composition of a customer information management device concerning the present invention. It is a 1st flowchart which shows the process flow at the time of initial registration of the customer information by the customer information management apparatus which concerns on this invention. It is the 2nd flow chart which shows the processing flow at the time of the initial registration of the customer information by the customer information management device concerning the present invention. It is a flowchart which shows the process flow at the time of the update of the customer information by the customer information management apparatus which concerns on this invention. It is a flowchart which shows the process flow at the time of the update of the confirmation requirement by the customer information management apparatus which concerns on this invention. In the present invention, it is a diagram showing a risk level set for customer information and a range of customer information provided according to the risk level. It is a figure which shows the customer information managed by the customer information management apparatus which concerns on this invention, and the example of the customer information provided according to a risk level. It is a figure which shows the example of the confirmation requirements regarding the confirmation of the customer information memorize|stored for every customer in the customer information management apparatus which concerns on this invention.

Embodiments for carrying out the present invention will be described in detail below with reference to the drawings. The following description shows an example of the embodiment of the present invention, and the present invention is not limited to the embodiment described below. In the following embodiments, the customer information to be managed is described as the customer information of a financial institution such as a bank, but the business entity that manages the customer information in the present invention is not limited to the financial institution, and the risk level Can be applied to all businesses that need to manage customer information by setting.

FIG. 1 shows an outline of an example of an embodiment of a customer information management device according to the present invention. In FIG. 1, a customer terminal such as a smartphone or a PC (personal computer) can access through the Internet, and a bank system (Bank A system and Bank B system), a securities company system (C securities system), or the like. A customer information management server connected to a computer system of a financial institution via a network corresponds to the customer information management device according to the present invention.

A customer of a financial institution such as a bank or a securities company registers his or her personal information as customer information in a database of a customer information management server using an application program or the like executed by a customer terminal such as a smartphone. When registering the customer information, the customer information management server inquires the integrated ATM network or the mobile carrier information server to confirm the deposit account used for the transaction by the customer and the identity of the customer.

The customer information of the customer for whom the account confirmation and the identity confirmation have been performed is registered in the database of the customer information management server. The customer information management server relates to the confirmation of the customer information necessary for the transaction with the customer specified by the financial institution. Confirmation requirements are also stored, and the computer system of each financial institution is provided with customer information according to the confirmation requirement set by each financial institution.

With such a configuration, if the customer registers customer information such as his or her own personal information in the customer information management server, the customer information management server will allow each financial institution to manage a plurality of financial institutions that have transactions (accounts). Since customer information is provided according to the confirmation requirements stipulated, it is possible for a customer to conduct a transaction without having to perform the procedure for registering the customer information with each financial institution that has a transaction (account). Become. Furthermore, if the customer information that can meet the strictest confirmation requirements among the financial institutions with which the customer has transactions is registered and updated in the customer information management server, the customer information that meets the confirmation requirements required by all financial institutions will be obtained. The state of being provided will be maintained, and continuous transactions will be possible without the need for notifying each financial institution of the registration/change of personal information. In addition, if new customer information is required due to the update of the confirmation requirements of the financial institution, the customer information management server will provide the necessary customer information so that more efficient customer information can be provided. Can be managed.

FIG. 2 shows an example of the configuration of a customer information management server corresponding to the customer information management device according to the present invention as a block for each function. In FIG. 2, the customer information management server 10 connected to the customer terminal 20, the financial institution system 30 and the like via the network corresponds to the customer information management device according to the present invention.

The customer information management server 10 is a computer that includes an auxiliary storage device such as a CPU, a main memory, and an HDD and has a function of connecting to a network including the Internet. A program stored in the auxiliary storage device is stored in the main memory. A predetermined function is realized by being read and having the CPU execute arithmetic processing.

The physical configuration of the computer constituting the customer information management server 10 is not particularly limited, and the functions other than the customer information management function of the present invention may be provided in the same computer. Each function required for the present invention may be physically realized by one computer or may be realized by using a plurality of computers.

The customer information registration unit 11, the account/identity confirmation unit 12, the customer information provision unit 14, the confirmation requirement setting unit 15, the information provision determination unit 17, and the customer information update unit 18 of the customer information management server 10 are functionally specified. The program corresponding to the function of each unit stored in the auxiliary storage device such as the HDD is read into the main memory and the CPU executes the arithmetic processing to realize the function corresponding to each unit. It

A predetermined storage area of an auxiliary storage device such as an HDD is allocated to the customer information storage unit 13 and the confirmation requirement storage unit 16 of the customer information management server 10. These storage areas are not required to be physically provided in one computer, but may be provided in a plurality of computers such as a computer that constitutes a database server.

A network terminal such as a smartphone, a tablet computer, or a PC is used as the customer terminal 20, but if the network terminal is capable of accessing the customer information management server 10 via the Internet and transmitting/receiving information, its configuration Is not particularly limited.

The configurations of the certification authority server 50 and the mobile carrier information server 60 are not particularly limited as long as they are computers capable of transmitting and receiving information via a network such as the Internet. The integrated ATM network 40 is a network that interconnects ATMs and the like between banks, and the existence of a deposit account can be confirmed by making an inquiry to this network. The financial institution system 30 is a computer system that is operated for the business of a financial institution such as a bank, such as a host computer that manages a deposit account opened by a financial institution such as a bank or a securities company. Information is transmitted/received to/from the management server 10 by using a network terminal such as a PC or a Web server capable of communicating with a core computer system, rather than directly communicating with such a core computer system. May be

Based on the above configuration, a method for managing customer information by the customer information management server 10 will be described with reference to FIGS.

The flowcharts of FIGS. 3 and 4 show a processing flow at the time of initial registration of customer information by the customer information management device according to the present invention. A customer who has a transaction with one or two or more financial institutions (has an account opened) registers customer information such as his or her own personal information in the customer information management server 10 from the customer terminal 20.

The method of registering the customer information from the customer terminal 20 to the customer information management server 10 is not particularly limited. For example, the customer operates the customer terminal 20 and accesses the customer information management server 10 to register the customer information. Or start an application (application program) for updating. The type of this application is not particularly limited. For example, in addition to the method of downloading the dedicated application to the customer terminal 20, it may be added as an additional function to the message application, or on the Web browser. It is also possible to adopt an application that operates in.

A customer who activates the application on the customer terminal 20 uses a camera provided in the customer terminal 20 to use a cash card of a deposit account opened at a financial institution with which he/she has a transaction (may be replaced by a bankbook). A customer information management server that takes a personal identification document used to confirm the customer's identity such as a driver's license or my number card in which an image of the facial photograph is displayed, a facial photograph of the customer himself (whether it is a still image or a video) Send to 10. Image files of these images taken by the camera provided in the customer terminal 20 are transmitted to the customer information management server 10.

From the image of the cash card of the deposit account, the financial institution code that identifies the financial institution, the store number that identifies the main branch of the financial institution, the account number of the deposit account, the account information such as the customer's name written in Kana characters, etc. Is read and used to identify the customer's savings account. Instead of the cash card, an image of a passbook of a deposit account may be used to identify the deposit account. In addition, if the customer has deposit accounts at multiple financial institutions and wants to register the information collectively at those financial institutions, send the images of the cash cards of the multiple deposit accounts, and make the corresponding deposits for each. The account should be specified. The same applies when holding multiple deposit accounts at the same financial institution.

From the images of identity verification documents such as driver's licenses and my number cards, the customer's name written in characters including Kanji and personal information such as date of birth and address can be read, as well as identity verification documents. Also includes images of customer portraits. The image of the customer's face photograph displayed in the personal identification document is verified by the collation with the image of the customer's face photograph (a so-called self-portrait image) taken by the camera provided in the customer terminal 20. Done. It should be noted that the identification of the customer is not such a collation of the image of the facial photograph, but for example, the electronic certificate stored in the IC chip of the my number card used as the identification document is read by the NFC function of the customer terminal 20, and the electronic certificate is read. May be referred to the certification body to confirm the identity.

Further, the customer terminal 20 also transmits the telephone number of the mobile phone contracted by the customer to the customer information management server 10. The customer's mobile phone number may be entered by the customer, but the customer terminal 20 is a mobile phone such as a smartphone, and the activated application is the mobile phone number such as a message application provided by the mobile carrier. If the key can be launched, the application can automatically send the phone number of the mobile phone recognized at startup.

The information read from the cash card of the deposit account and the image file of the image of the identity verification document such as the driver's license or my number card described above is imaged from the customer terminal 20 to the customer information management withdrawal account registration server 10. The file may be transmitted as it is and may be recognized by the OCR reading process in the customer information management server 10. However, the process of recognizing such an image file and extracting necessary information is executed by the customer terminal 20, Only the information necessary for each process may be transmitted to the customer information management server 10.

The data such as the image file transmitted from the customer terminal 20 is accepted by the customer information registration unit 11 of the customer information management server 10, and shows the processing executed by the customer information management server 10 that receives these data. Is the flowchart of FIG.

When the customer information registration unit 11 receives a registration request for customer information including data such as an image file (S01), the account/identity confirmation unit 12 is activated and the following processing is executed. From the image taken of the cash card of the deposit account, the financial institution code that identifies the financial institution, the store number that identifies the main branch of the financial institution, the account number of the deposit account, the account name of the customer written in Kana characters, etc. Information is read. Based on such information, the deposit account used for the transaction with the customer is specified, and the integrated ATM network 40 is queried for this information to confirm whether the specified financial institution's deposit account is a valid deposit account ( S02). When the images of the cash cards of a plurality of deposit accounts are received, the account information of each deposit account is read and it is confirmed whether each deposit account is a valid deposit account.

From images of identity verification documents such as driver's license and my number card, personal information such as customer's name, date of birth, address etc. that is written in characters including kanji and face of the customer The image of the photo is recognized. The image of the customer's face photograph is collated with the self-portrait image of the customer transmitted from the customer terminal 20, and if it meets a predetermined condition that can be determined to be the same person, the sender who transmitted the information is the customer himself. It can be confirmed that there is (S03). The fact that the personal information that can be used to identify the customer, such as the customer's name, date of birth, and address, read from the identity verification document matches the contractor information of the mobile phone, which will be described later, indicates that the customer is the customer. It may be added to the confirmation condition.

Further, the method of confirming the identity of the customer is not limited to such collation of the image of the face photograph and the personal information, and for example, the electronic certificate read from the customer's personal number card transmitted from the customer terminal 20. May be referred to the certification authority server 50 of the certification authority of the electronic certificate to confirm the identity.

Further, the telephone number of the mobile phone of the customer received from the customer terminal 20 is transmitted to the mobile carrier information server 60 to inquire the contractor information of the mobile phone with which the customer has a contract. The contractor information of the mobile phone acquired from the mobile carrier information server 60 using the phone number of the customer's mobile phone as a key includes the name of the customer who is the contractor of the mobile phone including the kana written in kana characters. Since it is normal, the account holder of the deposit account of Kana characters read from the image taken with the cash card and the reading written in Kana characters of the contractor's name included in the contractor information of the mobile phone match, In addition, the customer's name written in characters including Kanji read from the image of the identity verification document and the name of the contractor written in characters including Kanji included in the contractor information of the mobile phone must match. For example, it is possible to determine that the deposit account that has been confirmed to be a valid deposit account is the one held by the customer whose identity has been verified.Therefore, the savings account held by the customer and the customer information whose identity has been verified It becomes possible to link and manage.

It should be noted that the matching of names written with characters including kana and kanji here does not require strict matching, and a certain error is taken into consideration in consideration of reading accuracy and differences in font. May be allowed. Further, the personal information such as the date of birth and the address included in the contractor information of the mobile phone may be collated with the personal information of the customer read from the personal identification document and used for personal identification. When a bank account image is used to identify a bank account, the bank account usually shows the account holder's name written in Kanji characters, and collation using Kana characters is not required. The step of acquiring the contractor information may be omitted, or personal information such as the date of birth and address of the contractor of the mobile phone may be used for identity verification.

Then, the customer information registration unit 11 sends to the customer terminal 20 questions regarding confirmation items necessary for obtaining customer information necessary for dealings with customers generally required by financial institutions, and answers to those questions. Is received (S04). Regarding this confirmation item, for example, the transaction status of the customer's transaction purpose and transaction amount, the presence or absence of remittance to foreign countries and its purpose, occupation, nationality, etc., and the risk of money laundering and financing of terrorists are identified. -It is sufficient to include the contents that can be used for evaluation.

The personal information such as the name of the customer confirmed as described above and the customer information including the answer to the confirmation item are stored in the customer information storage unit 13 to be registered in the customer information management server 10 (S05). ), the information regarding the deposit account of the financial institution with which the customer has a transaction is held in the customer information management server 10 as a part of the customer information or in association with the customer information.

Here, in the customer information stored in the customer information storage unit 13, a corresponding risk level is set for each item of information. The risk level is set by the business operator who manages customer information such as the customer's personal information, and evaluates and sets the risk that may occur due to the transaction with the customer. Financial institutions assess the risks involved in financing terrorists and terrorists and set it for each customer.

FIG. 7 shows the risk level set for the customer information about the customer information obtained from the response to the customer confirmation items (customer hearing items) received in S04, and the customer provided according to the risk level. Although showing the range of information, among the items of information included in the customer information stored in the customer information storage unit 13, customers with high transaction risk levels (for money laundering and financing of terrorists, etc. For customers who are more likely to be involved, it is necessary to manage customer information for a larger number of items, and customers with low transaction risk levels (money laundering and financing of terrorists) For customers who are relatively unlikely to be involved in (1), management of customer information corresponding to a smaller number of items is sufficient.

In the example of FIG. 7, information on basic items such as occupations, nationalities, etc. of customers corresponding to the “common item layer” needs to be managed for all customers with risk levels “low”, “medium”, and “high”. However, the items corresponding to the “additional cooperation item layer” that require additional cooperation to the common items are the information corresponding to all the items to be confirmed to the customer for customers with a high risk level. However, for customers with a medium risk level, it is necessary to manage information corresponding to some items.

Corresponding to such risk level divisions, each information item included in the customer information stored in the customer information storage unit 13 is provided to the customer whose information is classified into which risk level. A corresponding risk level is set for each item of information so that it can be determined whether or not the information needs to be processed.

FIG. 8 shows an example of the information. Among the customer information of one customer identified by the customer ID, items of information corresponding to personal information such as name, date of birth, sex, and address, Of the items to be confirmed to the customer, basic items such as occupation and nationality (items corresponding to the “common item layer” in FIG. 7) need to be provided to the clients classified into the risk level “low” ( The risk level of "low" is set as the information that needs to be provided to the customers classified into the risk levels of "medium" and "high". In addition, some of the information items that correspond to the answers to the customer's confirmation items such as "foreign remittance purpose/outline" (items corresponding to a part of the "additional cooperation item layer" in Fig. 7) include the risk level. The risk level of "Medium" is set as the information that needs to be provided to the customers who are classified as "Medium" (the information that is also required to be provided to the customers who are classified as "High" risk level). Reason/Background” and other items corresponding to answers to customer confirmation items (remaining items in the “additional cooperation item layer” in FIG. 7) include customers categorized as “high” in risk level. A “high” risk level is set as the information that only needs to be provided.

It should be noted that the range of information in FIGS. 7 and 8 is merely an example, and thus the risk level may be set to two levels, or four levels or more instead of three levels. Here, how to classify the risk level and how to determine the items of information corresponding to each class are considered in consideration of the actual condition of managing the customer information of the financial institution using the customer information management server 10. It should be decided.

In this way, when the customer information is registered in the customer information management server 10 with the risk level corresponding to each information item set (S05), the customer information providing unit 14 causes the financial institution to set the risk level " The customer information that needs to be provided for customers classified as "low", that is, the customer information in which the risk level "low" is set in the information item, is stored in each financial institution where the customer has a transaction (deposit account). The data is transmitted to the computer system (financial institution system 30 or the like) (S06). The financial institution to which the customer information is transmitted can be specified from the information about the deposit account included in a part of the customer information or the information about the deposit account held in association with the customer information.

It should be noted that the method of providing the customer information to the financial institution with which the customer has a transaction is not limited to the method of transmitting the customer information to the financial institution system 30 or the like in a push type, but a customer information management server for each financial institution. It is also possible to give access authority to the customer information stored in the customer information storage unit 13 of 10 and acquire pull-down customer information from the financial institution system 30 or the like.

A financial institution that has received customer information that needs to be provided for customers classified as having a low risk level has that information and the financial institution owns it according to the criteria by which each financial institution determines the risk level. The risk level of the customer is determined from the information about the customer who has received the customer information (for example, past transaction record).

FIG. 4 is a flowchart showing the processing flow of the customer information management server 10 after each financial institution determines the customer risk level and sends it to the customer information management server 10. With the customer, the risk level determined by the financial institution computer system (financial institution system 30, etc.) that has transmitted the customer information in the processing flow shown in FIG. 3 is determined for the customer corresponding to the customer information. When the information about the confirmation requirement, which is the requirement regarding the confirmation of the customer information necessary for the transaction, is received (S11), the confirmation requirement setting unit 15 is activated, and the confirmation requirement is stored in the confirmation requirement storage unit 16 for each financial institution for the customer. As such, information such as a risk level is set (S12).

FIG. 9 shows an example of confirmation requirements stored for each customer in the confirmation requirement storage unit 16 for each financial institution. The customer identified by the customer ID is identified by the financial institution code. For each financial institution, in addition to the risk level determined by the financial institution, the confirmation frequency of the customer information designated by the financial institution is set as a confirmation requirement. The risk level is as described above, but the frequency of confirming customer information sets requirements for confirming customer information, such as how often the customer information is updated and provided to financial institutions. In general, the confirmation frequency is set relatively high for customers with a high risk level (customers who are relatively likely to be involved in money laundering and financing of terrorists). The information regarding the confirmation frequency may be received from the financial institution system 30 or the like as the confirmation requirement together with the risk level.

In the example of FIG. 9, for the same customer identified by the customer ID “12345”, the financial institution identified by the financial institution code “xxx” has the risk level “low” and the confirmation frequency “one time/ For financial institutions identified by “Year” and the financial institution code “yyy”, different confirmation requirements have been determined: the risk level is “medium” and the confirmation frequency is “4 times/year and at the time of renewal”. The requirement is stored in the confirmation requirement storage unit 16.

In this example, the customer has only one deposit account in one financial institution, and the confirmation requirement that the financial institution decides for one customer is set to one. When the same customer has multiple deposit accounts in one financial institution, the confirmation requirements such as risk level are different for each account (for example, yen deposit accounts have a low risk level, but foreign currency deposit accounts Since the risk level is “medium”), the confirmation requirement may be set for each account and stored in the confirmation requirement storage unit 16.

To each financial institution, the customer information in which the risk level "low" is set in the information item in S06 of FIG. 3 is transmitted, but the information provision determination unit 17 determines that the risk level is "medium" or " It is determined whether the customer information corresponding to the item of information set as "high" is required as additional information (S13), and when the additional information is required (S13 is Yes), that is, the customer information is handled. If the risk level “medium” or “high” has been determined as a confirmation requirement for the customer, the customer information providing unit 14 sends the confirmation requirement to the computer system (financial institution system 30 or the like) of the financial institution that has transmitted the confirmation requirement. To send additional information (S14).

As described above, when the risk level and the confirmation frequency are set in the confirmation requirement storage unit 16 from the information received from each financial institution in which the customer has a transaction (deposit account), and stored as the confirmation requirement, thereafter, The customer information stored in the customer information storage unit 13 is updated according to the confirmation requirements of each financial institution.

Regarding the risk level, for one customer, it is necessary to store customer information that can correspond to the highest risk level set for the customer in the confirmation requirement storage unit 16, and for example, if the customer makes a transaction ( If the risk level set as a confirmation requirement by the financial institution that has a deposit account is either “low” or “medium”, at least the customer information corresponding to the risk level “medium” is updated at a predetermined timing. It is necessary that the information stored in the state and updated is provided to the financial institution according to the confirmation frequency designated by each financial institution.

Regarding the update timing, for one customer, the update timing with the highest update frequency set for the customer in the confirmation requirement storage unit 16 is “4 times/year and at update time (in the example of FIG. 9). The customer information stored in the customer information storage unit 13 is updated, and the updated information is provided to the financial institution according to the confirmation frequency designated by each financial institution. Need to be done.

In this way, update the customer information that can support the highest risk level set for each customer at the update frequency with the highest update frequency set for each customer, that is, the strictest confirmation. By updating the customer information according to the requirements, the customer is registered in the customer information management server 10 without having to update the customer information for each financial institution at the timing specified by each financial institution. By updating the customer information according to a predetermined confirmation requirement, the necessary customer information is continuously provided to all the financial institutions that have registered the account information in the customer information management server 10, and each financial information is provided. It becomes possible to continue the transaction with the institution.

The flowchart of FIG. 5 shows a processing flow at the time of updating the customer information by the customer information management device according to the present invention. When a customer who has already registered customer information such as his/her own personal information in the customer information management server 10 voluntarily updates a part of the customer information by changing the address, etc., an update request specifying the customer information to be updated. Is transmitted from the customer terminal 20 to the customer information management server 10.

In the customer information management server 10 that has received the customer information update request from the customer terminal 20 (S21), the customer information update unit 18 is activated, and the customer information of the customer stored in the customer information storage unit 13 is updated. The customer information of the item that received the request is updated (S22). Subsequently, the information provision determination unit 17 is activated, and the confirmation requirements of all the financial institutions with which the customer corresponding to the customer information stored in the confirmation requirement storage unit 16 has a transaction (deposit account) are referred to (S23). It is determined whether there is a financial institution that needs to provide updated information (S24).

Specifically, for example, in the example on the right side of the confirmation requirement shown in FIG. 9, the confirmation frequency is set to “4 times/year and at the time of renewal”. Is required, that is, when the customer voluntarily updates the customer information, it is necessary to confirm the customer information. Therefore, the financial institution specified by the financial institution code “yyy” is required to update the updated customer. You can determine that you need to provide information.

In this way, when it is determined that there is a financial institution that needs to provide updated information (Yes in S24), the customer information providing unit 14 causes the computer system of the financial institution (financial institution system 30 or the like) to operate. The updated customer information is transmitted (S25).

The flowchart of FIG. 6 shows a processing flow at the time of updating the confirmation requirement by the customer information management device according to the present invention. A financial institution that has set confirmation requirements for a customer in the customer information management server 10 changes the confirmation requirements such as the risk level of the customer by reviewing the criteria for determining the risk level, and stores the confirmation requirements in the confirmation requirement storage unit 16. When it is desired to update the stored confirmation requirement, an update request in which the confirmation requirement to be updated is designated is transmitted from the computer system of the financial institution (financial institution system 30 or the like) to the customer information management server 10.

In the customer information management server 10 that has received the confirmation requirement update request from the financial institution system 30 (S31), the confirmation requirement setting unit 15 is activated and the confirmation requirement to be updated stored in the confirmation requirement storage unit 16 is confirmed. , Update according to the confirmation requirement specified in the update request (S32). Subsequently, the information provision determination unit 17 is activated to determine whether it is necessary to provide new customer information to the financial institution according to the updated confirmation requirement (S33).

For example, if the risk level set for the customer is updated from “low” to “medium” or “high”, or from “medium” to “high”, the range of customer information to be provided expands. , It is judged that it is necessary to provide new customer information, but conversely, if the risk level is updated from “high” to “medium” or “low” or from “medium” to “low”, it is provided. Since the range of customer information that should be provided is narrowed, it is judged that it is not necessary to provide new customer information.

When it is determined that new customer information needs to be provided (Yes in S33), it is determined from the customer information stored in the customer information storage unit 13 whether or not there is insufficient information in the customer information to be provided (S34). If there is insufficient customer information (Yes in S34), the customer information updating unit 18 is activated to request the customer terminal 20 to transmit the information and acquire the insufficient customer information (S35).

For example, the confirmation frequency set as a confirmation requirement is updated from “once/year” to “4 times/year”, and the last update of customer information and the transmission of updated customer information to a financial institution are six months ago. If so, the latest customer information that satisfies the “4 times/year” confirmation requirement will be insufficient, and therefore the customer terminal 20 used by the customer will be able to comply with the risk level newly set as the confirmation requirement. You will be required to send the latest customer information.

When the lacking customer information is acquired as described above (S35), the corresponding customer information stored in the customer information storage unit 13 is updated, and the customer information providing unit 14 transmits it to the financial institution in S33. The new customer information determined to be necessary is transmitted to the computer system of the financial institution (financial institution system 30 or the like) (S36). If there is no lacking customer information (No in S34), the customer information providing unit 14 reads new customer information determined to be necessary to be transmitted to the financial institution in S33 from the customer information storage unit 13, and the relevant financial information is provided. It is transmitted to the computer system of the institution (financial institution system 30, etc.) (S36).

As described above, according to the present invention, the customer information management server 10 shared by two or more financial institutions requests the customer information of each customer from the financial institution in which the customer has a transaction (deposit account). In addition to managing in a state that can meet confirmation requirements, confirmation requirements such as risk levels set for each customer with which each financial institution has transactions are stored, and customer information according to the confirmation requirements is stored in each financial institution. By providing the system, the continuous confirmation of the customer information according to the customer management requirements set by each financial institution can be efficiently realized. Such efficient management of customer information significantly reduces the burden on both the customer and the financial institution in the ongoing transaction between the customer and the financial institution.

10 Customer Information Management Server 11 Customer Information Registration Unit 12 Account/Identity Confirmation Unit 13 Customer Information Storage Unit 14 Customer Information Provision Unit 15 Confirmation Requirements Setting Unit 16 Confirmation Requirements Storage Unit 17 Information Provision Judgment Unit 18 Customer Information Updating Unit 20 Customer Terminal 30 Financial institution system 40 Integrated ATM network 50 Authentication institution server 60 Mobile carrier information server

Claims (8)

Customer information storage means for storing customer information in which a corresponding risk level is set for each item of information with respect to predetermined information about the customer,
Confirmation for two or more businesses having transactions with customers whose customer information is stored in the customer information storage means, each business entity stores a requirement for confirmation of customer information necessary for a transaction with the customer as a confirmation requirement. Requirement storage means,
Setting means for setting the risk level determined for each customer with whom each business operator has a transaction as a confirmation requirement in the confirmation requirement storage means,
Among the customer information of the customers with whom the business operator has a transaction stored in the customer information storage means on the business operator's computer, the risk level set by the business operator as the confirmation requirement for each customer in the confirmation requirement storage means Providing means for providing corresponding customer information,
A customer information management device comprising: 2. The customer information storage means stores, for one customer, customer information that can correspond to the highest risk level set for the customer in the confirmation requirement storage means. Customer information management device. The setting means sets the update timing of the customer information set for each customer with which each business operator has a transaction, as a confirmation requirement in the confirmation requirement storage means,
The customer information storage means stores, for one customer, customer information updated in accordance with an update timing with the highest update frequency set for the customer in the confirmation requirement storage means. The customer information management device according to claim 1. When at least a part of the customer information of one customer stored in the customer information storage means is updated, the confirmation requirement regarding the customer stored in the confirmation requirement storage means is confirmed, and the updated customer information It is equipped with the first judgment means for judging whether there is a business that needs to be provided,
The providing means may provide the updated customer information to a computer of the operator when the first determining means determines that there is an operator who needs to provide the updated customer information. The customer information management device according to claim 1. When at least a part of the confirmation requirements for one customer of the one business operator stored in the confirmation requirement storage means is updated, a new customer for the customer is provided to the business operator in response to the updated confirmation requirement. It is equipped with a second judging means for judging whether it is necessary to provide information,
5. The providing unit, when the second determining unit determines that the new customer information needs to be provided, provides the new customer information to the computer of the business operator. The customer information management device described in Crab. If at least a part of the new customer information regarding the customer that the second determination means determines to need to provide to the business is not stored in the customer information storage means, the customer terminal used by the customer 6. The customer information management device according to claim 5, further comprising requesting means for requesting transmission of at least a part of the new customer information. In the customer information storage means, at the time of initial registration of customer information of one customer, customer information corresponding to all risk levels is stored,
When the customer information of the new customer is stored in the customer information storage unit, the providing unit corresponds to the first risk level, which is the lowest risk level, in the computers of all the businesses that have transactions with the customer. Provide customer information to
When a request for setting a second risk level, which is a risk level higher than the first risk level, is received as a confirmation requirement for the customer from a computer of any business operator who has provided the customer information, the providing means 7. The customer information management device according to claim 1, wherein the computer of the business operator is provided with customer information corresponding to the second risk level stored in the customer information storage means. .. Regarding predetermined information about customers, customer information storage means for storing customer information in which a risk level corresponding to each information item is set, and two or more having transactions with customers whose customer information is stored in the customer information storage means For each business operator, a customer information management device including a confirmation requirement storage unit that stores, as a confirmation requirement, requirements regarding confirmation of customer information necessary for each business operator to transact with a customer, A risk level determined for each customer having a setting step for setting as a confirmation requirement in the confirmation requirement storage means,
In the customer information management device, in the computer of the business operator, of the customer information of the customers with whom the business operator has transactions stored in the customer information storage means, the business operator confirms in the confirmation requirement storage means for each customer. Provide steps to provide customer information corresponding to the risk level set as a requirement,
A method for managing customer information, which comprises: