問13
頻出度★★☆
金融機関では，同一の顧客で複数の口座をもつ個人や法人について，氏名又は法人名，生年月日又は設立年月日，電話番号，住所又は所在地などを手掛かりに集約し，顧客ごとの預金の総額を正確に把握する作業が行われる。このように顧客がもつ複数の口座を，顧客ごとに取りまとめて一元管理する手続を表す用語として，最も適切なものはどれか。
令和6年度 ITパスポート試験 問13
ストラテジ系ビジネスインダストリ › e-ビジネス
This question's explanation and your answers so far.
解説
問 13
Incorrectア
Account aggregation is a service that consolidates, across institutions, information about the accounts and services that a single user holds at multiple financial institutions and the like, so that the user can view and manage them together on a single screen. The party doing the consolidating is the user, so it differs in both purpose and actor from this question's procedure, in which a financial institution internally matches the accounts of the same customer.
Incorrectイ
Key mapping is a term that refers to associating a given key with another value or function, used in contexts such as changing keyboard key assignments. It is not a term for the procedure of consolidating a customer's multiple accounts on a per-customer basis.
Incorrectウ
Vertical integration is a management strategy of bringing the series of processes from raw material procurement through manufacturing and sales (the upstream and downstream of the supply chain) into one's own corporate group. It is a term for a business integration strategy and is unrelated to the procedure of consolidating a customer's account data.
- エ
正解 The correct answer is エ, name matching (consolidation). Name matching means determining that several separately registered records (here, bank accounts) actually belong to the same individual or corporation, and then combining them and managing them as one. As in this question, the procedure of using attributes such as name (corporate name), date of birth (date of establishment), telephone number, and address (location) as clues to match and consolidate the multiple accounts of the same customer, and thereby accurately determine the total deposits per customer, is a typical example of name matching. At financial institutions, name matching is performed for purposes such as calculating the insured amount under deposit insurance and customer management.
ここがポイント
- Name matching = using attributes such as name, date of birth, and address as clues to match the multiple records (accounts) belonging to the same individual or corporation, combine them into one, and manage them in a unified way on a per-customer basis.
- The key point is being able to distinguish it from account aggregation (a service by which a user views the accounts held at multiple institutions across those institutions).
用語