Information processing system, information processing method, and program

Abstract

To further reduce a burden associated with returning funds.SOLUTION: Provided is an information processing system which includes: a reception unit that receives a transfer request including account information of a transfer destination and account information of a return destination; a communication unit that sends a sending telegraphic message regarding the transfer request to a receiving bank based on the account information of the transfer destination; and a control unit that controls the return based on the account information of the return destination when the communication unit receives a replacement telegraphic message for returning funds from the receiving bank.SELECTED DRAWING: Figure 16

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, and a program. [Background technology]

[0002] At financial institutions, transfer processing is carried out through cooperation between branches and centralized centers. For example, when a client visits a branch of a financial institution, fills out the necessary information on a prescribed transfer request form, and submits the form at the counter, the transfer request form is read by a scanner on the reception terminal at the counter, and the transfer data obtained by this reading is sent to the centralized center. Then, the centralized center generates a sending message based on the transfer data, and the sending message is sent to the host, thereby executing the transfer.

[0003] Furthermore, the transfer request form contains multiple items, and character recognition is performed on the image data of the transfer request form using the scanner at the reception terminal, resulting in character recognition results for each of the multiple items. The transfer data, including these character recognition results, is sent from the reception terminal at the counter to the centralized center. At the centralized center, a first operator visually checks the image of each of the multiple items and corrects the character recognition results for each of the multiple items as necessary. The character recognition results or the results of corrections to the character recognition results are sent to the exchange server as entry data.

[0004] The second operator then enters data corresponding to the items separately from the entry data. Alternatively, the second operator modifies the entry data corresponding to the items. The data entered by the second operator or the modified entry data is sent to the exchange server as verify data. The exchange server determines whether the entry data and verify data match. If there are any items that do not match between the entry data and verify data, the third operator approves or rejects the verify data for the mismatched items.

[0005] The outgoing message generated through the entry, verification, and approval processes described above is sent from the sending bank's (own bank's) host to the receiving bank's (other bank's) host, and the transfer is completed when the receiving bank's host deposits the specified amount into the specified account based on the outgoing message. However, if a deposit error occurs at the receiving bank's host, the receiving bank will return the funds to the sending bank. In this case, the sending bank that receives the funds must return the transferred funds to the transfer requester.

[0006] As a technique for reducing the burden associated with returning funds to the remittance requester as described above, for example, the technique disclosed in Patent Document 1 can be mentioned. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Japanese Patent Publication No. 2020-42383 Summary of the Invention [Problem to be solved by the invention]

[0008] However, the technology disclosed in Patent Document 1 involves the sending bank temporarily storing the returned funds in a separate account that is opened in advance for each customer, which incurs costs for opening and managing the separate account.

[0009] Therefore, the present invention has been made in consideration of the above problems, and an object of the present invention is to provide a new and improved technology that can further reduce the burden associated with returning funds. [Means for solving the problem]

[0010] In order to solve the above problem, according to one aspect of the present invention, an information processing system is provided, comprising: a reception unit that receives a transfer request including account information of the transfer destination and account information of the return destination; a communication unit that sends a sending message regarding the transfer request to a receiving bank based on the account information of the transfer destination; and a control unit that controls the return based on the account information of the return destination when the communication unit receives a transfer message for returning funds from the receiving bank.

[0011] In addition, when the communication unit receives the transfer message from the recipient bank, the control unit may deliver data regarding the transfer request to an entry terminal and control the repayment based on the account information of the repayment destination entered in the entry terminal.

[0012] In addition, when the reassembly is completed, the control unit may register a record of the transfer related to the reassembly in the performance master.

[0013] The transfer request may also be a cash transfer request.

[0014] In addition, in order to solve the above problem, according to another aspect of the present invention, an information processing method is provided, which includes: a processor accepting a transfer request including account information of the transfer destination and account information of the return destination; controlling the sending of an outgoing message regarding the transfer request to a receiving bank based on the account information of the transfer destination; and, when the communication unit receives a transfer message for returning funds from the receiving bank, controlling the return based on the account information of the return destination.

[0015] In addition, in order to solve the above problem, according to another aspect of the present invention, a program is provided that causes a computer to realize the following: a reception function that receives a transfer request including account information of the transfer destination and account information of the return destination; a communication function that sends a sending message regarding the transfer request to the receiving bank based on the account information of the transfer destination; and a control function that controls the return based on the account information of the return destination when the communication unit receives a transfer message for returning funds from the receiving bank. [Effects of the Invention]

[0016] As described above, according to the present invention, it is possible to further reduce the burden associated with the return of funds. [Brief explanation of the drawings]

[0017] [Figure 1] 1 is an explanatory diagram showing the configuration of an exchange system according to one embodiment of the present invention. [Figure 2] FIG. 10 is an explanatory diagram showing a specific example of a transfer request form. [Figure 3] FIG. 10 is an explanatory diagram showing a specific example of an entry screen. [Figure 4] FIG. 10 is an explanatory diagram showing a specific example of a verify screen. [Figure 5] FIG. 10 is an explanatory diagram showing an example of an approval screen according to a comparative example. [Figure 6] FIG. 2 is an explanatory diagram showing the configuration of an exchange server. [Figure 7] FIG. 2 is an explanatory diagram showing the configuration of an entry terminal. [Figure 8] FIG. 2 is an explanatory diagram showing the configuration of a verifying terminal; [Figure 9] FIG. 2 is an explanatory diagram showing the configuration of an approval terminal. [Figure 10] FIG. 1 is an explanatory diagram showing an example of the operation of an exchange system. [Figure 11] FIG. 1 is an explanatory diagram showing an example of the operation of an exchange system. [Figure 12] FIG. 10 is an explanatory diagram showing an example of an approval screen according to an embodiment of the present invention. [Figure 13] FIG. 10 is an explanatory diagram illustrating an example of a verification screen after remand according to an embodiment of the present invention. [Figure 14] FIG. 10 is an explanatory diagram showing another example of the verification screen after remand according to an embodiment of the present invention. [Figure 15] FIG. 2 is a diagram showing an example of a cash transfer request form according to one embodiment of the present invention. [Figure 16] 1 is a sequence diagram showing an example of the flow of a reversion destination operation by the currency exchange system 1 according to one embodiment of the present invention. [Figure 17]1 is a diagram illustrating a hardware configuration of an information processing device as an example of an entry terminal according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0018] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant description will be omitted.

[0019] In addition, in this specification and drawings, multiple components having substantially the same functional configuration may be distinguished by adding different letters to the same reference numeral. However, if there is no need to particularly distinguish between multiple components having substantially the same functional configuration, only the same reference numeral will be used to distinguish each of the multiple components.

[0020] <1. Overview of the exchange system> An embodiment of the present invention relates to an exchange system applied to a financial institution. First, an overview of the exchange system according to an embodiment of the present invention will be described with reference to Figs.

[0021] (composition) FIG. 1 is an explanatory diagram showing the configuration of an exchange system according to one embodiment of the present invention. As shown in FIG. 1, the exchange system 1 according to one embodiment of the present invention has a configuration arranged at a branch office, a configuration arranged at a centralized center, and a host 30. The branch office and the centralized center are connected via a network. The configuration arranged at the branch office includes a scanner 11 and a branch office terminal 12. The configuration arranged at the centralized center includes an exchange server 20, an entry terminal 26 which is a common client (entry), a verify terminal 27 which is a common client (verify), an approval terminal 28 which is a common client (approval), and a communication gateway 29.

[0022] The scanner 11 reads documents and recognizes the characters written on them. For example, the scanner 11 reads a transfer request form on which the necessary information has been filled out by the person requesting the transfer and performs character recognition. As a result, image data of the transfer request form and the character recognition results of the transfer request form are obtained. Here, a specific example of a transfer request form will be described with reference to FIG. 2.

[0023] FIG. 2 is an explanatory diagram showing a specific example of a transfer request form 40. As shown in FIG. 2, the transfer request form 40 includes entry fields for each of a plurality of items. For example, the plurality of items include items related to the requester (e.g., the requester's telephone number, the requester's account number, the requester's name, etc.), items related to the recipient (e.g., the recipient's name, the name of the transfer financial institution, the name of the transfer branch, etc.), and the transfer amount. In addition, the plurality of items may include the designated transfer date, which is the transfer due date. The plurality of items may include important items in the transfer transaction (e.g., the requester's account number, the transfer amount, etc.).

[0024] Furthermore, the transfer request form 40 includes a column for the funds secured status, which indicates whether the balance of the client's account at the time of the transfer request is confirmed to be equal to or greater than the amount required for the transfer, and whether the amount required for the transfer has been secured (restricted). In the secured status, where the amount required for the transfer has been secured, the bank employee marks the funds secured mark column 42, and in the unsecured status, where the amount required for the transfer has not been secured, the bank employee marks the funds unsecured mark column 43.

[0025] For example, the scanner 11 performs character recognition on the image data of the transfer application form 40 to obtain character recognition results corresponding to each of a plurality of items. More specifically, the scanner 11 obtains character recognition results corresponding to each item by performing character recognition on at least a portion of the entry fields for each item in the image data of the transfer application form 40. The bank office terminal 12 is a terminal used by bank employees engaged in teller work at the bank office. The bank office terminal 12 transmits the image data of the transfer application form 40 obtained by the scanner 11 and transfer data including the character recognition results corresponding to each item to the centralized center.

[0026] The bank clerk also checks the balance of the client's account using the branch terminal 12, and if the balance of the client's account is equal to or greater than the amount required for the transfer, requests the host 30 to secure the funds for the transfer via the branch terminal 12. If the funds for the transfer are secured, the bank clerk marks the funds secured field 42 as described above, and if the funds for the transfer are not secured, the bank clerk marks the funds not secured field 43.

[0027] The office terminal 12 may be, for example, a PC (Personal Computer) as shown in Fig. 1. Although Fig. 1 shows an example in which the scanner 11 and the office terminal 12 are separate devices, the functions of the scanner 11 and the office terminal 12 may be integrated into a single device.

[0028] The exchange server 20 is an example of a transfer management device that stores transfer data transmitted from the branch terminal 12. The exchange server 20 manages the distribution of transfer data to the entry terminal 26, the verify terminal 27, the approval terminal 28, and the like. For example, the exchange server 20 obtains a cut-out image corresponding to each item by cutting out the entry fields for each item from the image data of the transfer request form 40. The exchange server 20 transmits the transfer data, including the cut-out image corresponding to each item and the character recognition results, to the entry terminal 26.

[0029] The entry terminal 26 is a terminal used by the first operator (hereinafter also referred to as the "enter") at the centralized center. The entry screen of the entry terminal 26 displays cut-out images and character recognition results corresponding to each item included in the transfer data distributed from the exchange server 20, associated with the item name. While visually checking the cut-out image corresponding to an item, if the operator determines that the character recognition result corresponding to that item is incorrect (for example, due to misreading or non-reading), he or she corrects the character recognition result.

[0030] 3 is an explanatory diagram showing a specific example of entry screen 50. As shown in FIG. 3, entry screen 50 displays a cut-out image and character recognition results corresponding to each of multiple items included in a transfer request form. For example, the cut-out image is displayed in the corresponding image display field, and the character recognition results are displayed in the corresponding item input field. As an example, a cut-out image of the client's telephone number is displayed in client's telephone number image display field 500, and the character recognition results of the client's telephone number are displayed in client's telephone number input field 520.

[0031] In the example shown in Figure 3, the cutout image corresponding to the item "client name" contains "Oki Taro," but the character recognition result corresponding to the item "client name" is incorrect and reads "Ogi Taro." Let us assume that the person making the entry does not notice the error in the character recognition result and does not take any action to correct the character recognition result.

[0032] The character recognition results corresponding to each item or the results of corrections made by the entrant to the character recognition results are transmitted as entry data from the entry terminal 26 to the exchange server 20 (for example, by pressing the "Send" button) and stored in the exchange server 20. The exchange server 20 delivers transfer data including cut-out images corresponding to each item to the verify terminal 27. At this time, the transfer data also including entry data corresponding to items other than the important items is delivered to the verify terminal 27.

[0033] The verify terminal 27 is a terminal used by a second operator (hereinafter also referred to as the "verifier") at the centralized center. On the verify screen of the verify terminal 27, a cut-out image corresponding to each item included in the transfer data distributed from the exchange server 20 is displayed in association with the item name. Furthermore, entry data corresponding to items other than the important items is displayed in association with the item name. For example, the cut-out image is displayed in the corresponding image display field, and entry data corresponding to items other than the important items is displayed in the corresponding item input field. Meanwhile, the item input field corresponding to the important items is left blank.

[0034] The verifier visually checks the cut-out images corresponding to the items other than the important items, and if the verifier determines that the entry data corresponding to the items other than the important items is incorrect, corrects the entry data. Meanwhile, the verifier visually checks the cut-out images corresponding to the important items, and enters the data corresponding to the important items into the item input fields corresponding to the important items.

[0035] 4 is an explanatory diagram showing a specific example of a verify screen. As shown in FIG. 4, verify screen 60 displays a cut-out image and entry data corresponding to each of multiple items included in the transfer request form. For example, the cut-out image is displayed in the corresponding image display field, and the entry data is displayed in the corresponding item input field. As an example, a cut-out image of the client's telephone number is displayed in client's telephone number image display field 500, and the entry data of the client's telephone number is displayed in client's telephone number input field 520.

[0036] In the example shown in Figure 3, the character recognition result corresponding to the item "client name" was incorrect, "Ogi Tarowa," but the person making the entry did not notice the error in the character recognition result and did not take any action to correct the character recognition result. However, in the example shown in Figure 4, the verifier noticed that the entry data "Ogi Tarowa" corresponding to the item "client name" was incorrect, and corrected the entry data "Ogi Tarowa" corresponding to the item "client name" to "Ogi Taro." In this example, the correction made by the verifier was also incorrect.

[0037] The entry data or the correction results of the entry data corresponding to the items other than the important items, and the input results by the verifier corresponding to the important items are transmitted as verification data from the verify terminal 27 to the exchange server 20 (for example, upon pressing the "Send" button) and stored in the exchange server 20. The exchange server 20 determines whether the entry data and verification data corresponding to all items match.

[0038] If the entry data and the verify data match for all items, the exchange server 20 transmits an outgoing message containing the verify data (or entry data) corresponding to all items to the host 30 via the communication gateway 29. At this time, the host 30 executes the transfer based on the receipt of the outgoing message, thereby completing one transfer.

[0039] (background) Before describing an embodiment of the present invention, a general technique for when there is an item where the entry data and the verify data do not match will be described as a comparative example.

[0040] Generally, when there is a mismatch between the entry data and the verify data for any item, the exchange server 20 delivers transfer data including a cut-out image and verify data corresponding to each item, and information indicating the item where the data is mismatched (mismatched item), to the approval terminal 28. Additionally, when the transaction related to the transfer data is a large amount transaction (for example, when the transfer amount is a predetermined amount or more), the exchange server 20 delivers transfer data including a cut-out image and verify data corresponding to each item to the approval terminal 28.

[0041] The approval terminal 28 is a terminal used by a third operator (hereinafter also referred to as the "approver") at the centralized center. Generally, the approval screen of the approval terminal 28 displays a cut-out image corresponding to each item included in the transfer data distributed from the exchange server 20, in association with the item name. Furthermore, the verification data corresponding to each item is displayed in association with the item name. For example, the cut-out image is displayed in the corresponding image display field, and the verification data is displayed in the corresponding item input field.

[0042] The approver visually inspects the cut-out images corresponding to each item and, if he / she determines that there are no items with incorrect verify data, performs an approval operation. On the other hand, if the approver visually inspects the cut-out images corresponding to each item and, if he / she determines that there are items with incorrect verify data, performs a rejection operation. At this time, the approval screen typically applies a predetermined modification to the verify data corresponding to the items with mismatched data. This allows the approver to easily identify the items with mismatched data.

[0043] Figure 5 is an explanatory diagram showing an example of an approval screen according to a comparative example. As shown in Figure 5, approval screen 70 according to the comparative example displays a cut-out image and verification data corresponding to each of multiple items included in a transfer request form. For example, the cut-out image is displayed in the corresponding image display field, and the verification data is displayed in the corresponding item input field. As an example, a cut-out image of the client's telephone number is displayed in client's telephone number image display field 500, and the verification data for the client's telephone number is displayed in client's telephone number input field 520.

[0044] In the above example, the entry data and verify data corresponding to the item "client name" do not match (FIGS. 3 and 4). Therefore, on the approval screen 70, a predetermined modification 530 (for example, a modification that changes the text color to red) is applied to the verify data "Ogi Taro" corresponding to the item "client name" where the data do not match. This makes it easier for the approver to notice the item where the data do not match.

[0045] As an example, if the approver visually checks the cut-out image corresponding to the item "client name" and determines that the verify data "Ogi Taro" is incorrect, the approver performs an approval operation (for example, by pressing the "Approve" button). On the other hand, if the approver determines that the verify data "Ogi Taro" is incorrect, the approver performs a rejection operation (for example, by pressing the "Reject" button).

[0046] The outline of the currency exchange system according to one embodiment of the present invention has been described above.

[0047] <2. Exchange Server Configuration> 6 is an explanatory diagram showing the configuration of the currency exchange server 20 according to one embodiment of the present invention. As shown in FIG. 6, the currency exchange server 20 includes a control unit 220, a storage unit 230, and a communication unit 240.

[0048] Control unit 220 includes a CPU (Central Processing Unit) and the like, and its functions can be realized by the CPU expanding a program stored in storage unit 230 into RAM (Random Access Memory) and executing it. At this time, a computer-readable recording medium on which the program is recorded can also be provided. Alternatively, control unit 220 may be configured with dedicated hardware or a combination of multiple pieces of hardware.

[0049] 6, the control unit 220 includes an acquisition unit 221, a processing unit 222, and a transmission control unit 223. Details of each of these functional units included in the control unit 220 will be described later.

[0050] The storage unit 230 is a storage device capable of storing programs and data for operating the control unit 220. The storage unit 230 can also temporarily store various data required in the course of operation of the control unit 220. For example, the storage device may be a non-volatile storage device.

[0051] The communication unit 240 is configured by a communication interface and communicates with the branch office terminal 12 of the branch office via a network. Furthermore, the communication unit 240 communicates with each of the other terminals (the entry terminal 26, the verify terminal 27, and the approval terminal 28) via a network within the centralized center.

[0052] The configuration of the currency exchange server 20 according to one embodiment of the present invention has been described above.

[0053] <3. Entry device configuration> 7 is an explanatory diagram showing the configuration of the entry terminal 26 according to one embodiment of the present invention. As shown in FIG. 7, the entry terminal 26 has an input unit 261, a control unit 262, a storage unit 266, a communication unit 267, and a display unit 268.

[0054] The input unit 261 accepts operations by the entrant. In the embodiment of the present invention, it is mainly assumed that the input unit 261 is a mouse and a keyboard. However, the type of the input unit 261 is not limited. For example, the input unit 261 may be a touch panel, an electronic pen, or another input device.

[0055] The control unit 262 includes a CPU and the like, and its functions can be realized by the CPU expanding a program stored in the storage unit 266 into RAM and executing it. In this case, a computer-readable recording medium on which the program is recorded can also be provided. Alternatively, the control unit 262 can be configured with dedicated hardware or a combination of multiple pieces of hardware.

[0056] 7, the control unit 262 includes an acquisition unit 263, a processing unit 264, and an output control unit 265. Details of each of these functional units included in the control unit 262 will be described later.

[0057] The storage unit 266 is a storage device capable of storing programs and data for operating the control unit 262. The storage unit 266 can also temporarily store various data required in the course of operation of the control unit 262. For example, the storage device may be a non-volatile storage device.

[0058] The communication unit 267 is configured by a communication interface, and communicates with the exchange server 20 and other terminals (the verify terminal 27 and the approve terminal 28) via the network in the centralized center.

[0059] The display unit 268 has a function of displaying various types of information under the control of the control unit 262. For example, the display unit 268 can display an entry screen. Here, the form of the display unit 268 is not particularly limited. For example, the display unit 268 may be a liquid crystal display (LCD) device, an OLED (organic light emitting diode) device, or a display device such as a lamp.

[0060] The configuration of the entry terminal 26 according to one embodiment of the present invention has been described above.

[0061] <4. Verification terminal configuration> 8 is an explanatory diagram showing the configuration of a verifying terminal 27 according to one embodiment of the present invention. As shown in FIG. 8, the verifying terminal 27 has an input unit 271, a control unit 272, a storage unit 276, a communication unit 277, and a display unit 278.

[0062] The input unit 271 accepts operations by the verifier. In the embodiment of the present invention, it is mainly assumed that the input unit 271 is a mouse and a keyboard. However, the type of the input unit 271 is not limited. For example, the input unit 271 may be a touch panel, an electronic pen, or another input device.

[0063] The control unit 272 includes a CPU and the like, and its functions can be realized by the CPU expanding a program stored in the storage unit 276 into RAM and executing it. At this time, a computer-readable recording medium on which the program is recorded can also be provided. Alternatively, the control unit 272 can be configured with dedicated hardware or a combination of multiple pieces of hardware.

[0064] 8, the control unit 272 includes an acquisition unit 273, a processing unit 274, and an output control unit 275. Details of each of these functional units included in the control unit 272 will be described later.

[0065] The storage unit 276 is a storage device capable of storing programs and data for operating the control unit 272. The storage unit 276 can also temporarily store various data required in the course of operation of the control unit 272. For example, the storage device may be a non-volatile storage device.

[0066] The communication unit 277 is configured by a communication interface, and communicates with the exchange server 20 and other terminals (the entry terminal 26 and the approval terminal 28) via the network in the centralized center.

[0067] The display unit 278 has a function of displaying various information under the control of the control unit 272. For example, the display unit 278 can display a verify screen. Here, the form of the display unit 278 is not particularly limited. For example, the display unit 278 may be a liquid crystal display (LCD) device, a device, or a display device such as a lamp.

[0068] The configuration of the verify terminal 27 according to one embodiment of the present invention has been described above.

[0069] <5. Configuration of the approval terminal> 9 is an explanatory diagram showing the configuration of approval terminal 28 according to one embodiment of the present invention. As shown in FIG. 9, approval terminal 28 has input unit 281, control unit 282, storage unit 286, communication unit 287, and display unit 288.

[0070] The input unit 281 accepts operations by the approver. In the embodiment of the present invention, it is mainly assumed that the input unit 281 is a mouse and a keyboard. However, the type of the input unit 281 is not limited. For example, the input unit 281 may be a touch panel, an electronic pen, or another input device.

[0071] Control unit 282 includes a CPU and the like, and its functions can be realized by the CPU expanding a program stored in storage unit 286 into RAM and executing it. At this time, a computer-readable recording medium on which the program is recorded can also be provided. Alternatively, control unit 282 may be configured with dedicated hardware or a combination of multiple pieces of hardware.

[0072] 9, the control unit 282 includes an acquisition unit 283, a processing unit 284, and an output control unit 285. Details of each of these functional units included in the control unit 282 will be described later.

[0073] The storage unit 286 is a storage device capable of storing programs and data for operating the control unit 282. The storage unit 286 can also temporarily store various data required in the course of operation of the control unit 282. For example, the storage device may be a non-volatile storage device.

[0074] The communication unit 287 is configured by a communication interface, and communicates with the exchange server 20 and other terminals (the entry terminal 26 and the verify terminal 27) via the network in the centralized center.

[0075] The display unit 288 has a function of displaying various information in accordance with the control of the control unit 282. For example, the display unit 288 can display an approval screen. Here, the form of the display unit 288 is not particularly limited. For example, the display unit 288 may be a liquid crystal display (LCD) device, a device, or a display device such as a lamp.

[0076] The configuration of the approval terminal 28 according to one embodiment of the present invention has been described above.

[0077] <6.Basic operation> Next, an example of the basic operation of the currency exchange system 1 will be described with reference to FIGS.

[0078] 10 and 11 are explanatory diagrams showing an example of the operation of the currency exchange system 1 according to one embodiment of the present invention. When a client visits a branch, fills in the necessary information on a prescribed transfer request form 40 and submits the form 40 to the teller, a bank employee causes the scanner 11 to read the form 40.

[0079] Scanner 11 obtains image data by reading transfer request form 40. Furthermore, scanner 11 obtains character recognition results corresponding to each of a plurality of items by performing character recognition on the image data of transfer request form 40. More specifically, scanner 11 obtains character recognition results corresponding to each item by performing character recognition on at least a portion of the entry field for each item in the image data of transfer request form 40. Branch office terminal 12 transmits transfer data including the image data of transfer request form 40 obtained by scanner 11 and the character recognition results corresponding to each item to currency exchange server 20 (S11).

[0080] In the currency exchange server 20, the transfer data received by the communication unit 240 is acquired by the acquisition unit 221. The processing unit 222 stores image data of the transfer request form 40 included in the transfer data in the storage unit 230, and generates a cut-out image corresponding to each item by cutting out the entry fields for each item from the image data (S12). The processing unit 222 stores the cut-out image corresponding to each item in the storage unit 230. The transmission control unit 223 then controls the communication unit 240 to transmit the transfer data, including the cut-out image corresponding to each item and the character recognition results, to the entry terminal 26 (S13).

[0081] In the entry terminal 26, the transfer data received by the communication unit 267 is acquired by the acquisition unit 263. The output control unit 265 controls the display unit 268 to display the entry screen 50 including the cut-out image and the character recognition result corresponding to each of the multiple items based on the transfer data (S14). For example, the cut-out image is displayed in the corresponding image display field on the entry screen 50, and the character recognition result is displayed in the corresponding item input field on the entry screen 50.

[0082] While visually checking the cut-out image corresponding to an item, if the entrant determines that the character recognition result corresponding to that item is incorrect (for example, due to misreading or non-reading), the entrant inputs a correction operation for the character recognition result to input unit 261. The correction operation for the character recognition result is accepted by input unit 261 (S15) and acquired by acquisition unit 263. Processing unit 264 corrects the character recognition result in accordance with the correction operation.

[0083] For example, when the entrant presses the "Send" button on the entry screen 50, the output control unit 265 controls the communication unit 267 to transmit the character recognition results corresponding to each item or the entrant's corrections to the character recognition results as entry data corresponding to each item to the exchange server 20 (S16).

[0084] In the currency exchange server 20, when the acquisition unit 221 acquires the entry data corresponding to each item received by the communication unit 240, the processing unit 222 stores the entry data corresponding to each item in the storage unit 230. Then, the transmission control unit 223 controls the communication unit 240 to transmit to the verification terminal 27 transfer data including the cut-out image corresponding to each item and the entry data corresponding to items other than the important items (S17).

[0085] In the verify terminal 27, the transfer data received by the communication unit 277 is acquired by the acquisition unit 273. The output control unit 275 controls the display unit 278 to display a verify screen 60 including cut-out images corresponding to each of a plurality of items and entry data corresponding to items other than the important items based on the transfer data (S18). For example, the cut-out images are displayed in the corresponding image display fields on the verify screen 60, and the entry data corresponding to items other than the important items are displayed in the corresponding item input fields. Meanwhile, the item input fields corresponding to the important items are left blank.

[0086] If the verifier determines that the entry data corresponding to an item other than the important item is incorrect while visually checking the cut-out image corresponding to the item other than the important item, the verifier inputs a correction operation for the entry data to the input unit 271. Meanwhile, the verifier inputs data corresponding to the important item into the item input field corresponding to the important item while visually checking the cut-out image corresponding to the important item. The input of data corresponding to the important item and the correction operation for the entry data are accepted by the input unit 271 (S19) and acquired by the acquisition unit 273. The processing unit 274 corrects the entry data in accordance with the correction operation.

[0087] For example, when the verifier presses the "Send" button on the verification screen 60, the output control unit 275 controls the communication unit 277 to transmit the entry data or the correction results of the entry data corresponding to items other than the important items, and the input results by the verifier corresponding to the important items, as verification data corresponding to each item to the exchange server 20 (S20).

[0088] In the currency exchange server 20, when the acquiring unit 221 acquires the verify data corresponding to each item received by the communication unit 240, the processing unit 222 stores the verify data corresponding to each item in the storage unit 230. Next, the processing unit 222 determines whether the entry data and the verify data match for all items (S31).

[0089] If the processing unit 222 determines that the entry data and the verify data match for all items ("YES" in S31), the transmission control unit 223 controls the communication unit 240 to send an outgoing message including the verify data (or entry data) corresponding to each item to the host 30 via the communication gateway 29 (S32). At this time, the host 30 executes the transfer based on the reception of the outgoing message, thereby completing one transfer.

[0090] Although not shown in Figure 11, even if the processing unit 222 determines that the entry data and verification data match for all items, if the processing unit 222 determines that the transaction related to the transfer data is a large-value transaction (for example, if the transfer amount is a predetermined amount or more), the transmission control unit 223 may control the communication unit 240 to send the transfer data including the cut-out image and verification data corresponding to each item to the approval terminal 28.

[0091] On the other hand, if the processing unit 222 determines that there is an item that is inconsistent between the entry data and the verify data ("NO" in S31), the transmission control unit 223 controls the communication unit 240 to send to the approval terminal 28 transfer data that includes only the cut-out images and verify data corresponding to the items that are inconsistent between the entry data and the verify data (the inconsistent items) out of the cut-out images and verify data corresponding to each item (S33).

[0092] In the approval terminal 28, the transfer data received by the communication unit 287 is acquired by the acquisition unit 283. The output control unit 285 controls the display unit 288 to display an approval screen containing only the cut-out images and verify data corresponding to the mismatched items out of the cut-out images and verify data corresponding to each item, based on the transfer data (S34). This allows the approver to visually check only the cut-out images and verify data corresponding to the mismatched items, improving the efficiency of the approval work by the approver and providing a system with excellent reliability.

[0093] Fig. 12 is an explanatory diagram showing an example of an approval screen according to one embodiment of the present invention. The approval screen 80 shown in Fig. 12 assumes a case where it is determined that the entry data and the verify data corresponding to the item "client name" do not match. In such a case, the output control unit 285 controls the display unit 288 to display a cut-out image corresponding to the item "client name" (a cut-out image of the handwritten characters "Oki Taro" and "Oki Taro") in the corresponding image display field, and controls the display unit 288 to display the verify data "Ogi Taro" corresponding to the item "client name" in the corresponding item display field.

[0094] Furthermore, it is desirable that the output control unit 285 controls the display unit 288 to apply a first modification 830 to the verify data "Ogi Taro" corresponding to the mismatched item "client name." This makes it easier for the approver to find noteworthy verify data. The type of first modification 830 is not limited. For example, as shown in FIG. 12, the first modification 830 may be a change in the color or pattern of the text item display field (e.g., adding diagonal hatching), or a change in text color (e.g., changing the text color to red).

[0095] The approver visually checks the cut-out image corresponding to the mismatched item, and if the approver determines that the verified data corresponding to the mismatched item is correct, performs an approval operation on the input unit 281. As an example, the approval operation may be the pressing of an "approval" button.

[0096] On the other hand, if the approver visually checks the cut-out image corresponding to the mismatched item and determines that the verified data corresponding to the mismatched item is incorrect, the approver inputs a remand operation to the input unit 281. As an example, the remand operation may be performed by pressing a "remand" button. When inputting a remand operation to the input unit 281, the approver may input any comments for the verifier in the comment field. In this example, it is assumed that a comment such as "Please correct the client name as it is incorrect" is input in the comment field.

[0097] The operation input by the approver is accepted by the input unit 281 (S35) and acquired by the acquisition unit 283. At this time, if a comment is input by the approver, the comment is added to the operation input by the approver by the processing unit 284. The output control unit 285 controls the communication unit 287 to transmit the operation input by the approver to the exchange server 20 (S36).

[0098] In the currency exchange server 20, when the operation input by the approver received by the communication unit 240 is acquired by the acquisition unit 221, the processing unit 222 determines whether the operation input by the approver is a return operation (S37). If the processing unit 222 determines that the operation input by the approver is an approval operation ("NO" in S37), it controls the communication unit 240 to send an outgoing message including verify data (or entry data) corresponding to each item to the host 30 via the communication gateway 29 (S38). At this time, the host 30 executes the transfer based on the reception of the outgoing message, thereby completing one transfer.

[0099] On the other hand, if the processing unit 222 determines that the operation input by the approver is a return operation ("YES" in S37), the transmission control unit 223 controls the communication unit 240 to transmit to the verification terminal 27 transfer data including only the cut-out images and verify data corresponding to the mismatched items among the cut-out images and verify data corresponding to each item (S39). If there is a comment input by the approver, the comment may be added to the transfer data by the processing unit 222.

[0100] In the verify terminal 27, the transfer data received by the communication unit 277 is acquired by the acquisition unit 273. The output control unit 275 controls the display unit 278 to display a verification screen after the return that includes only the cut-out images and verification data corresponding to the mismatched items out of the cut-out images and verification data corresponding to each item, based on the transfer data (S40). This allows the verifier to visually check only the cut-out images and verification data corresponding to the mismatched items, improving the efficiency of the verifier's confirmation work and providing a system with excellent reliability.

[0101] 13 is an explanatory diagram showing an example of a verification screen after remand according to one embodiment of the present invention. The verification screen 90 after remand shown in FIG. 13 assumes a case where it is determined that the entry data and verification data corresponding to the item "client name" do not match. In such a case, the output control unit 275 controls the display unit 278 to display a cut-out image corresponding to the item "client name" (a cut-out image of the handwritten characters "Oki Taro" and "Oki Taro") in the corresponding image display field, and controls the display unit 278 to display the verification data "Ogi Taro" corresponding to the item "client name" in the corresponding item display field.

[0102] Furthermore, it is desirable that the output control unit 275 controls the display unit 278 to apply a first modification 930 to the verification data "Ogi Taro" corresponding to the mismatched item "client name." This makes it easier for the verifier to find noteworthy verification data. The type of first modification 930 is not limited. For example, as shown in FIG. 13, the first modification 930 may be a change in the color or pattern of the text item display field (e.g., adding diagonal hatching), or a change in text color (e.g., changing the text color to red).

[0103] 13, it is assumed that a comment has already been entered by the approver. Therefore, the output control unit 275 controls the display unit 278 to display the comment entered by the approver in the comment field. In this example, the comment "Please correct the client name as it is incorrect" is displayed in the comment field.

[0104] FIG. 14 is an explanatory diagram showing another example of a verification screen after a return according to one embodiment of the present invention. The verification screen 91 after a return shown in FIG. 14 assumes a case in which it is determined that the entry data and verification data corresponding to the item "client account number" do not match. In such a case, the output control unit 275 controls the display unit 278 to display a cutout image (a cutout image of the handwritten characters "1425837") corresponding to the item "client account number" in the corresponding image display field, and controls the display unit 278 to display the verification data "1425831" corresponding to the item "client account number" in the corresponding item display field. In this example, a comment reading "Please correct the account number discrepancy" is displayed in the comment field.

[0105] If the verifier determines that the entry data corresponding to the mismatched item is incorrect while visually checking the cut-out image corresponding to the mismatched item, the verifier inputs a correction operation for the entry data to the input unit 271. The correction operation for the entry data is accepted by the input unit 271 (S19) and acquired by the acquisition unit 273. The processing unit 274 corrects the entry data in accordance with the correction operation.

[0106] For example, when the verifier presses the "Send" button on the verification screen 90 after the return, the output control unit 265 controls the communication unit 277 to send the correction results of the entry data corresponding to the mismatched items to the exchange server 20 as the correction results of the verification data corresponding to the mismatched items (S42).

[0107] In the currency exchange server 20, when the acquisition unit 221 acquires the correction result of the verify data corresponding to the mismatched item received by the communication unit 240, the processing unit 222 updates the verify data corresponding to the mismatched item stored in the storage unit 230 with the correction result of the verify data corresponding to the mismatched item. Then, the verify data corresponding to the mismatched item is replaced with the updated verify data, and S33 is executed again.

[0108] An example of the basic operation of the currency exchange system 1 according to one embodiment of the present invention has been described above.

[0109] <7. Reassembly operation> Next, a detailed description will be given of the resetting operation by the currency exchange system 1 according to one embodiment of the present invention. The currency exchange system 1 according to one embodiment of the present invention is an example of an information processing system.

[0110] As described above, if a deposit error occurs at the receiving host, the transferred funds must be returned (returned).

[0111] Deposit errors may occur, for example, when there is an error in the recipient name or transfer account number written on the transfer request form, or when the transfer account has already been closed.

[0112] Conventionally, when a deposit error occurs in a cash transfer, the branch would contact the client by telephone or other means, have the client visit the branch, and then return the transferred funds to the client in cash at the branch counter.

[0113] However, the branch office had to take the time to prepare the cash to be returned and to call the customer multiple times until the customer answered.

[0114] Furthermore, clients were required to visit the branch during business hours to receive their funds back.

[0115] As described above, conventional reversal procedures have been a heavy burden on both the branch and the client.

[0116] The technical concept of one embodiment of the present invention was conceived with the above points in mind, and makes it possible to further reduce the burden associated with fund return.

[0117] For this reason, in a cash transfer according to one embodiment of the present invention, a cash transfer request form is used, which requires the entry of account information for the transfer destination.

[0118] FIG. 15 is a diagram showing an example of a cash transfer request form according to one embodiment of the present invention.

[0119] As shown in Figure 15, a cash transfer request form 45 according to one embodiment of the present invention has a column 46 for entering account information for the transfer destination, recipient information, requester information, as well as account information for the transfer destination.

[0120] A person requesting a cash transfer enters in column 46 the information of the account (return account) to which the transferred funds will be returned if a refund occurs in the cash transfer.

[0121] The destination account may be an account opened at the sending bank or at another bank.

[0122] The account information to be entered in column 46 includes the name of the financial institution, branch name, deposit type, account number, etc.

[0123] A transaction using a cash transfer request form 45 according to one embodiment of the present invention undergoes the processes shown in FIGS. 10 and 11, similar to a transaction using the transfer request form 40 illustrated in FIG.

[0124] However, in S11, the transfer data sent by the branch terminal 12 to the exchange server 20 includes not only the character recognition results corresponding to the account information of the transfer destination, but also the character recognition results corresponding to the account information of the return destination.

[0125] In addition, in S12, the transfer data received by the communication unit 240, including the character recognition results corresponding to the account information of the transfer destination and the character recognition results corresponding to the account information of the return destination, is acquired by the acquisition unit 221.

[0126] The acquisition unit 221 of the currency exchange server 20 is an example of a reception unit that receives a transfer request including the account information of the transfer destination and the account information of the return destination.

[0127] In the input by the entrant in S15 and the input by the verifier in S19, the transfer destination account information is input, but the return destination account information does not need to be input.

[0128] The flow of the reverting operation by the currency exchange system 1 according to one embodiment of the present invention will be described in detail below.

[0129] FIG. 16 is a sequence diagram showing an example of the flow of the undo destination operation by the currency exchange system 1 according to one embodiment of the present invention.

[0130] In FIG. 16 and the following description, the host 30 will be referred to as the host itself in order to distinguish it from the recipient host and the host holding the return destination account.

[0131] The transmission control unit 223 of the currency exchange server 20 controls the communication unit 240 to transmit an outgoing message including the verify data (or entry data) to the host computer of the own bank via the communication gateway 29 (S51).

[0132] S51 corresponds to S32 or S38 shown in FIG.

[0133] The host that receives the outgoing message from the exchange server 20 in S51 transmits the outgoing message to the recipient host based on the transfer destination account information contained in the outgoing message (S52).

[0134] Alternatively, the own host may generate an outgoing message based on the verify data (or entry data) received from the exchange server 20, and transmit the outgoing message to the destination host.

[0135] The host of the bank itself (host 30) is an example of a communication unit that transmits a transfer request message to the recipient bank based on the account information of the transfer destination.

[0136] The outgoing message sent to the recipient bank may include information that no inquiry is necessary even if a deposit error occurs, thereby reducing the workload required for inquiries.

[0137] The recipient host attempts to deposit (transfer) the money into the recipient's account based on the recipient's account information contained in the outgoing message received from its own host in S52.

[0138] If a deposit error occurs (S53), the recipient host generates a transfer message to return the transferred funds to the sender bank, and transmits the transfer message to its own host (S54).

[0139] The host of the bank relays the transfer message received in S54 to the currency exchange server 20 (S55).

[0140] The host computer may extract information from the transfer message received in S54, process the extracted information, and transmit the processed information to the currency exchange server 20.

[0141] The transmission control unit 223 of the exchange server 20 uses the serial number contained in the transfer message (or the information after the above processing) received by the communication unit 240 in S55 as a key to identify the transfer data to be returned, and controls the communication unit 240 to transmit (distribute) the transfer data to the entry terminal 26 (S56).

[0142] The output control unit 265 of the entry terminal 26 controls the display unit 268 to display the entry screen 50 including the cut-out images and character recognition results corresponding to each of the multiple items, based on the transfer data received by the communication unit 267 in S56.

[0143] The person making the entry enters the account information of the destination of the return on the entry screen 50 (S57).

[0144] The output control unit 265 of the entry terminal 26 controls the communication unit 267 to transmit the entry data including the account information of the return destination to the currency exchange server 20 (S58).

[0145] The transmission control unit 223 of the exchange server 20 generates an outgoing message with the transfer destination account as the destination based on the account information of the return destination included in the entry data received by the communication unit 240 in S58, and controls the communication unit 240 to send the outgoing message to its own host (S59).

[0146] The transmission control unit 223 of the currency exchange server 20 is an example of a control unit that controls the return based on the account information of the return destination when the communication unit receives a transfer message for the return of funds from the recipient bank.

[0147] The host bank that receives the outgoing message from the exchange server 20 in S59 sends the outgoing message to the transfer destination account host based on the transfer destination account information (=return destination account information) contained in the outgoing message (S60).

[0148] The transfer destination account host is a host established by the financial institution that holds the transfer destination account.

[0149] The return destination account host deposits (transfers) the money into the return destination account based on the return destination account information contained in the outgoing message received from its own host in S60 (S61).

[0150] When the deposit into the destination account for the refund is completed in S61, the operator at the centralization center or a bank employee at the branch notifies the client that the refund has been completed.

[0151] According to the series of processes described above, the reversal can be realized without the client visiting the branch. Also, there is no need for the branch to prepare cash, which significantly reduces the burden on both the client and the branch.

[0152] When the deposit into the refund destination account is completed in S61, the transmission control unit 223 of the currency exchange server 20 may register a record of the transfer related to the refund in the performance master (S62).

[0153] More specifically, the transmission control unit 223 may register the information of the financial institution to which the transfer is to be made (the bank to which the transfer is to be made) written on the cash transfer request form 45 as the requester information, and the information of the account to which the transfer is to be returned written on the cash transfer request form 45 as the recipient information in the performance master.

[0154] By registering the transfer record related to the reversal in the performance master, it is possible to reduce the entry load when a similar reversal occurs in the future.

[0155] <8. Hardware Configuration> Next, an example of the hardware configuration of the entry terminal 26 according to one embodiment of the present invention will be described. Below, an example of the hardware configuration of the information processing device 900 will be described as an example of the hardware configuration of the entry terminal 26 according to one embodiment of the present invention. The hardware configurations of the verify terminal 27, the approval terminal 28, and the exchange server 20 can also be realized in the same way as the hardware configuration of the entry terminal 26.

[0156] Note that the hardware configuration example of the information processing device 900 described below is merely an example of the hardware configuration of each of the entry terminal 26, the verify terminal 27, the approval terminal 28, and the exchange server 20. Therefore, with regard to the hardware configuration of each of the entry terminal 26, the verify terminal 27, the approval terminal 28, and the exchange server 20, unnecessary components may be deleted from the hardware configuration of the information processing device 900 described below, or new components may be added.

[0157] 17 is a diagram showing the hardware configuration of an information processing device 900 as an example of the entry terminal 26 according to an embodiment of the present invention. The information processing device 900 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, and a communication device 911.

[0158] The CPU 901 functions as an arithmetic processing unit and control unit, and controls the overall operation of the information processing device 900 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, etc. The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, etc. These are interconnected by a host bus 904 that is composed of a CPU bus, etc.

[0159] The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 905. It is not necessary to configure the host bus 904, bridge 905, and external bus 906 separately, and these functions may be implemented on a single bus.

[0160] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers that allow the user to input information, and an input control circuit that generates an input signal based on the user's input and outputs it to the CPU 901. By operating this input device 908, the user operating the information processing device 900 can input various data to the information processing device 900 and instruct the information processing device 900 to perform processing operations.

[0161] The output device 909 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, or a lamp, and an audio output device such as a speaker.

[0162] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, and a deletion device for deleting data recorded on the storage medium. The storage device 910 is configured, for example, with an HDD (Hard Disk Drive). This storage device 910 drives a hard disk and stores programs executed by the CPU 901 and various data.

[0163] The communication device 911 is, for example, a communication interface configured with a communication device for connecting to a network, etc. The communication device 911 may be compatible with either wireless communication or wired communication.

[0164] An example of the hardware configuration of the information processing device 900 as an example of the entry terminal 26 according to one embodiment of the present invention has been described above.

[0165] <9. Conclusion> As described above, according to one embodiment of the present invention, an information processing system is provided which includes: a reception unit that receives a transfer request including account information of the transfer destination and account information of the return destination; a communication unit that sends an outgoing message regarding the transfer request to the receiving bank based on the account information of the transfer destination; and a control unit that controls the return based on the account information of the return destination when the communication unit receives a transfer message for returning funds from the receiving bank.

[0166] This configuration can further reduce the burden associated with returning funds.

[0167] Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0168] For example, in the above description, when a refund occurs, the transfer data relating to the refund is delivered to the entry terminal, and the account information of the refund destination is input at the entry terminal. On the other hand, the transfer data relating to the refund may be delivered to the verification terminal, and the account information of the refund destination may be input at the verification terminal.

[0169] Although the above description of the embodiment uses the terms "sender bank" and "recipient bank," the present invention is of course also applicable to transfers within a bank. In this case, the sender bank and the recipient bank are the same bank.

[0170] Furthermore, the steps in the processing of the exchange system of this specification do not necessarily have to be processed in chronological order according to the order shown in the sequence diagram or flowchart. For example, the steps in the processing of the exchange system may be processed in an order different from that shown in the sequence diagram or flowchart, or may be processed in parallel. [Explanation of symbols]

[0171] 1. Exchange System 20 Exchange server (transfer management device) 221 Acquisition Department 222 Processing section 223 Transmission control section 26 Entry Terminals 263 Acquisition Department 264 Processing Unit 265 Output control section 27 Verify Terminal 273 Acquisition Department 274 Processing Section 275 Output control section 28 Approval terminal 283 Acquisition Department 284 Processing Section 285 Output control section

Claims

1. a reception unit for receiving a transfer request including account information of the transfer destination and account information of the return destination; a communication unit that transmits a message regarding the transfer request to the recipient bank based on the account information of the transfer destination; a control unit that controls the return of funds based on the account information of the return destination when the communication unit receives a transfer message of the funds return from the receiving bank; Equipped with Information processing system.

2. When the communication unit receives the transfer message from the recipient bank, the control unit distributes data regarding the transfer request to an entry terminal and controls the repayment based on the account information of the repayment destination entered in the entry terminal. The information processing system according to claim 1 .

3. When the reassembly is completed, the control unit registers a record of the transfer related to the reassembly in the performance master. The information processing system according to claim 1 .

4. The transfer request is a cash transfer request.

4. The information processing system according to claim 1.

5. The processor: Accepting a transfer request including transfer destination account information and refund destination account information; Controlling the transmission of a message regarding the transfer request to the recipient bank based on the account information of the transfer destination; When a transfer message for funds return is received from the receiving bank, controlling the return based on the account information of the return destination; Including, Information processing methods.

6. On the computer, A reception function for receiving a transfer request including the transfer destination account information and the return destination account information; a communication function for transmitting a message regarding the transfer request to the recipient bank based on the account information of the transfer destination; a control function for controlling the repayment of funds based on the account information of the repayment destination when a transfer message of the funds repayment is received from the receiving bank; To realize program.

Images