Account Opening Method

• US 20080189185A1
• Filed: 08/08/2006
• Published: 08/07/2008
• Est. Priority Date: 08/10/2005
• Status: Abandoned Application

• Current Assignee: eBank Corp (Rakuten Group, Inc.)
• Original Assignee: eBank Corp (Rakuten Group, Inc.)
• Inventors: Matsuo, Taiichi, Motomura, Kosuke
• Application Number:
  US12/063,364
• Publication Number:
  US 20080189185A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A bank account opening method capable of opening a bank account easily, safely and reliably only by a user and financial institution is provided. In the method for opening an account to a financial institution, an identification document is converted into digital data and the digital data of the identification document is sent to a server of the financial institution via a web content for opening an account, provided from the server of the financial institution, or via e-mail.

Claims

1. A method for opening an account to a financial institution comprising steps of:

in a mobile terminal, downloading a dedicated application software for opening an account available for a mobile-phone, which are provided by web content for opening an account;

in said mobile terminal, by use of said downloaded application software for a mobile-phone, sending identification information including at least name, address and birth date, which are input by an applicant, to a server of the financial institution, connected to the said mobile terminal via a network;

in said server of the financial institution, storing the identification information while being associated with a registry number for identifying the identification information in an application information database;

in said mobile terminal, obtaining said registry number;

in said mobile terminal, by use of said application software for a mobile-phone, sending digital data generated by photographing the identification document with a camera mounted on said mobile terminal together with the registry number to said server of the financial institution;

in said server of the financial institution, storing character data based on said digital data of the identification document while being associated with the registry number in said application information database; and

in said server of the financial institution, checking the character data based on the digital data of the identification document associated with the registry number and the identification information associated with the registry number, and then storing the identification information in an account database as new account information.

4. A method for opening an account to a financial institution according to any one of claims 1 to 3, wherein, in the step of, in said mobile terminal, sending the digital data of the identification document to said server of the financial institution,

information showing type of the identification document is sent to said server of the financial institution,

in said server of the financial institution, the character data based on the digital data of the identification document is generated according to the information showing type of the identification document, and the character data is verified with the identification information.

2. A method for opening an account to a financial institution comprising steps of:

in a PC terminal, entering identification information including at least name, address and birth date, which is input by an applicant, via a web content for opening an account, which is provided by a server of the financial institution;

in said server of the financial institution, storing the identification information, input via the web content, while being associated with a registry number for identifying the identification information in an application information database;

in said server of the financial institution, generating a two-dimensional code which is an information code including applicant identifying information containing the identification information or the registry number and also including URL (Uniform Resource Locator) information of a web page for downloading a dedicated application software for opening an account available for a mobile-phone, and providing the code to said PC terminal as a web content;

in a mobile terminal in which said two-dimensional code is read, downloading said application software inheriting the user information, such as the applicant identifying information;

in the mobile terminal, by use of said downloaded application software for a mobile-phone, sending digital data generated by photographing the identification document with a camera mounted on said mobile terminal together with the applicant identifying information to said server of the financial institution;

in said server of the financial institution, storing character data based on the digital data of the identification document while being associated with the registry number identified by the applicant identifying information in said application information database; and

in said server of the financial institution, checking the character data based on the digital data of the identification document associated with the registry number and the identification information associated with the registry number, and then storing the identification information in an account database as new account information.

3. A method for opening an account to a financial institution comprising steps of:

in a mobile terminal, entering identification information including at least name, address and birth date, which is input by an applicant, via a web content for opening an account, which is provided by a server of the financial institution;

in said server of the financial institution, storing the identification information, input via the web content, while being associated with a registry number for identifying the identification information in an application information database;

in said server of the financial institution, generating a web page including URL (Uniform Resource Locator) information of the web page for downloading a dedicated application software for opening an account available for a mobile-phone, associated with applicant identifying information containing the identification information or the registry number, and providing the generated web page to said mobile terminal;

in said mobile terminal, by appointing said URL on said mobile terminal, downloading said application software inheriting the applicant identifying information;

in said mobile terminal, by use of said downloaded application software for a mobile-phone, sending digital data generated by photographing the identification document with a camera mounted on said mobile terminal together with the applicant identifying information to said server of the financial institution;

in said server of the financial institution, storing character data based on the digital data of the identification document while being associated with the registry number identified by the applicant identifying information in said application information database; and

in said server of the financial institution, verifying the character data based on the digital data of the identification document associated with the registry number and the identification information associated with the registry number, and then storing the identification information in an account database as new account information.

5. A method for opening an account to a financial institution comprising steps of:

in a mobile terminal, downloading a dedicated application software for opening an account available for a mobile phone, which is provided by a web content for opening an account;

in said mobile terminal, by use of the downloaded application software for a mobile-phone, sending identification information including at least name, address and birth date, which is input by an applicant, to a server of the financial institution connected to said mobile terminal via a network;

in said server of the financial institution, storing the identification information while being associated with a registry number for identifying the identification information in an application information database;

in said mobile terminal, obtaining the registry number;

in said mobile terminal, by use of said application software for a mobile-phone, generating digital data by photographing the identification document with a camera mounted on said mobile terminal and then generating character data based on the digital data;

in said mobile terminal, by use of said application software for a mobile-phone, sending the character data based on the digital data of the identification document together with the registry number to said server of the financial institution;

in said server of the financial institution, storing the character data based on the digital data of the identification document while being associated with the registry number in said application information database; and

in said server of the financial institution, checking the character data based on the digital data of the identification document associated with the registry number and the identification information associated with the registry number, and then storing the identification information in an account database as new account information.

6. A method for opening an account to a financial institution comprising steps of:

in a PC terminal, entering identification information including at least name, address and birth date, which is input by an applicant, via a web content for opening an account, which is provided by a server of the financial institution;

in said server of the financial institution, storing the identification information, input via the web content, while being associated with a registry number for identifying the identification information in an application information database;

in said server of the financial institution, generating a two-dimensional code which is an information code including applicant identifying information containing the identification information or the registry number and also including URL (Uniform Resource Locator) information of a web page for downloading a dedicated application software for opening an account available for a mobile-phone, and providing the code to said PC terminal as web content;

in a mobile terminal in which said two-dimensional code is read, downloading the application software inheriting user information, such as the applicant identifying information;

in said mobile terminal, by use of said downloaded application, generating digital data by photographing the identification document with a camera mounted on said mobile terminal, and then generating character data based on the digital data of said identification document;

in said mobile terminal, by use of said application software for a mobile-phone, sending the character data based on the digital data of the identification document together with the registry number to said server of the financial institution;

in said server of the financial institution, storing the character data based on the digital data of the identification document while being associated with the registry number identified by the applicant identifying information in said application information database; and

in said server of the financial institution, checking the character data based on the digital data of the identification document associated with the registry number and the identification information associated with the registry number, and then storing the identification information in an account database as new account information.

7. A method for opening an account to a financial institution comprising steps of:

in a mobile terminal, entering identification information including at least name, address and birth date, which is input by an applicant, via a web content for opening an account, which is provided by a server of the financial institution;

in said server of the financial institution, storing the identification information, input via the web content, while being associated with a registry number for identifying the identification information in an application information database;

in said server of the financial institution, generating a web page including applicant identifying information associated with the identification information or the registry number and URL (Uniform Resource Locator) information of a web page for downloading a dedicated application software for opening an account available for a mobile-phone, and providing the generated web page to said mobile terminal;

in said mobile terminal, by appointing the URL on said mobile terminal, downloading said application software inheriting the applicant identifying information;

in said mobile terminal, by use of said downloaded application software, generating digital data by photographing the identification document with a camera mounted on said mobile terminal, and then generating character data based on the digital data of said identification document;

in said mobile terminal, by use of said application software for a mobile-phone, sending the character data based on the digital data of the identification document together with the registry number to said server of the financial institution;

in said server of the financial institution, storing the character data based on the digital data of the identification document while being associated with the registry number identified by the applicant identifying information in said application information database; and

in said server of the financial institution, verifying the character data based on the digital data of the identification document associated with the registry number and the identification information associated with the registry number, and then storing the identification information in an account database as new account information.

8. A method for opening an account to a financial institution,

wherein an identification document required to submit to the financial institution in order to apply for opening a bank account is converted into digital data at a PC terminal or mobile terminal, and

the digital data of the identification document is sent to a server of the financial institution via a web content for opening an account, provided by said server of the financial institution, or via a network or e-mail.

9. A method for opening an account to a financial institution according to claim 8,

wherein the digital data of the identification document is generated by photographing the identification document with a camera mounted on the mobile-phone, and send to said server of the financial institution via a web content for opening an account, provided by said server of the financial institution, or via a network or e-mail.

10. A method for opening an account to a financial institution according to claim 8,

wherein access to web a site for opening an account providing the web content for opening an account is performed by clicking on a hyperlink for the web page which is a link source, or by reading said two-dimensional code using a mobile-phone provided with a function capable of reading a two-dimensional code which is an information code,

the hyperlink information includes URL (Uniform Resource Locator) information of the web site and user information which is inherited to the web site from said link source, and

said two-dimensional code includes URL (Uniform Resource Locator) information of the web site and the user information which is inherited to the web site.

11. A method for opening an account to a financial institution according to claim 9 or 10,

wherein executing the dedicated application software for opening an account available to a mobile-phone, at said mobile-phone, allows applying for opening a bank account to the financial institution, generating digital data of the identification document, and sending the digital data to said server of said financial institution continuously and consistently.

12. A method for opening an account to a financial institution according to claim 11,

wherein the dedicated application software for opening an account available for a mobile-phone is executed by linking to the web page including a button for downloading said application software, by selecting said button for downloading on the web page to download said application software to said mobile-phone via the web page, and then by activating said application software, at said mobile-phone.

13. A method for opening an account to a financial institution according to claim 9 or 10,

wherein an application for opening a bank account to the financial institution is accomplished by inputting identification information to said server of the financial institution from said PC terminal via a web content for opening an account,

a two-dimensional code which is an information code including applicant identifying information, such as the identification information, and URL (Uniform Resource Locator) information of a web page for downloading the dedicated application software for opening an account available for a mobile-phone is displayed on said PC terminal when the application for opening an account is completed by completing the input,

said two-dimensional code is read by said mobile-phone provided with a function capable of reading a two-dimensional code thereby to link to the web page with the user information such as the applicant identifying information being inherited,

a button for downloading on the web page is selected to download said application software to said mobile-phone via the web page with the user information being inherited, and

said application software is activated to generate digital data of the identification document and to send the digital data to said server of said financial institution, following the application for opening a bank account

14. A method for opening an account to a financial institution according to claim 9 or 10,

wherein an application for opening a bank account to the financial institution is accomplished by inputting identification information to said server of the financial institution from said mobile-phone via a web content for opening an account,

a button for sending the digital data is selected on the web page including buttons for selecting the method for sending the identifying document, at said mobile-phone, when the application for opening an account is completed by completing the input, in which hyperlink information obtained by selecting the button contains the applicant identifying information, such as the identification information, and the URL (Uniform Resource Locator) information of the web page for downloading the dedicated application software for opening an account available for a mobile-phone thereby to link to the web page for downloading with the user information, such as the applicant identifying information, being inherited;

a button for downloading on the web page for downloading is selected to download said application software to said mobile-phone via the web page with the user information being inherited, and

said application software is activated to generate digital data of the identification document and send the digital data to said server of said financial institution, following the application for opening a bank account.

15. A method for opening an account to a financial institution according to claim 8,

wherein, at said server of said financial institution, when the character data converted from the received digital data of the identification document is not recognized, notification for prompting to generate the digital data of the identification document and send it again is automatically sent to the transmitter of the digital data of the identification document via a network or e-mail, and is informed to the user via the web content for opening an account or the dedicated application software for opening an account available for a mobile-phone, or via e-mail, at said PC terminal or mobile terminal.

16. A method for opening an account to a financial institution according to claim 15,

wherein the received image information of the digital data of the identification document is converted into the character data by executing an OCR software, at said server of the financial institution.

17. A method for opening an account to a financial institution according to claim 8,

wherein the digital data of the identification document is sent with an optimized condition in photograph size and the like to said server of the financial institution or a network.