Information processing system, information processing method, program, and information processing apparatus

Abstract

To reduce the possibility that erroneous money transfer is executed.SOLUTION: An information processing system includes: a determination unit which determines, based on a predetermined type of a transfer type related to a transfer request, whether a combination of remitter information and remittee information included in the transfer request is included in a transfer history; and an output control unit which controls, based on a determination that the combination is included in the transfer history, a message for prompting confirmation as to whether to execute transfer related to the transfer request to be output.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, a program, and an information processing device. [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] Patent Document 1 discloses a technology that prevents accidental duplicate transfers to the same recipient, regardless of the type of transfer. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 9-237302 Summary of the Invention [Problem to be solved by the invention]

[0005] However, there is a possibility that a transfer may be mistakenly made twice from the same remitter to the same recipient, particularly when the transfer type related to the transfer request is a predetermined type.

[0006] As an example, local governments (hereinafter simply referred to as "local governments") may transfer funds to residents. In recent years, the number of such transfers from local governments to residents has been increasing. When local governments transfer funds to residents, there have been many cases where local governments mistakenly transfer funds twice (for example, transfers of subsidies) to residents due to administrative errors by the local government.

[0007] Therefore, the present invention has been made in consideration of the above problems, and the object of the present invention is to provide a new and improved technology that can reduce the possibility of a transfer being made by mistake when the transfer type is a specified type. [Means for solving the problem]

[0008] In order to solve the above problem, according to one aspect of the present invention, an information processing system is provided which includes a judgment unit that judges whether the combination of requester information and recipient information included in a transfer request is included in the transfer history based on the fact that the transfer type related to the transfer request is a predetermined type, and an output control unit that controls the output of a message prompting confirmation of whether to carry out the transfer related to the transfer request based on the judgment that the combination is included in the transfer history.

[0009] The determination unit may determine whether the transfer type is the predetermined type based on whether the requester's name included in the transfer request includes a character string representing a predetermined transfer target type.

[0010] The predetermined type of transfer target may be a support fund.

[0011] The determination unit may determine whether the transfer type is the predetermined type based on whether the client type is a predetermined client type.

[0012] The predetermined client type may be a local government.

[0013] The client information may include at least one of a client phone number and a client name.

[0014] The payee information may include at least one of the name of the financial institution to which the payee is to be transferred, the name of the branch to which the payee is to be transferred, the account number to which the payee is to be transferred, and the name of the payee.

[0015] The determination unit may determine whether the transfer amount included in the transfer request matches the transfer amount associated with the combination in the transfer history, and the output control unit may control so that the message is output when the combination is included in the transfer history and it is determined that the transfer amount included in the transfer request matches the transfer amount associated with the combination in the transfer history.

[0016] The determination unit may determine whether the transfer date associated with the combination in the transfer history is within a predetermined period from the present, and the output control unit may control so that the message is output when the combination is included in the transfer history and when it is determined that the transfer date is within the predetermined period from the present.

[0017] In addition, according to another aspect of the present invention, in order to solve the above problem, an information processing method executed by a computer is provided, which includes: obtaining a determination result obtained by determining whether or not a combination of requester information and recipient information included in a transfer request is included in a transfer history, based on the fact that the transfer type related to the transfer request is a predetermined type; and controlling the output of a message prompting confirmation of whether or not to carry out the transfer related to the transfer request, based on the determination result indicating that the combination has been determined to be included in the transfer history.

[0018] In addition, according to another aspect of the present invention, in order to solve the above problem, a program is provided that causes a computer to function as an acquisition unit that acquires a determination result obtained by determining whether or not the combination of requester information and recipient information included in a transfer request is included in the transfer history, based on the fact that the transfer type related to the transfer request is a predetermined type, and an output control unit that controls the computer to output a message prompting confirmation of whether or not to carry out the transfer related to the transfer request, based on the determination result indicating that the combination has been determined to be included in the transfer history.

[0019] In addition, according to another aspect of the present invention, in order to solve the above problem, an information processing device is provided, which includes an acquisition unit that acquires a determination result obtained by determining whether or not the combination of requester information and recipient information included in a transfer request is included in the transfer history, based on the fact that the transfer type related to the transfer request is a predetermined type, and an output control unit that controls the output of a message prompting confirmation of whether or not to carry out the transfer related to the transfer request, based on the determination result indicating that the combination has been determined to be included in the transfer history. [Effects of the Invention]

[0020] According to the present invention as described above, it is possible to reduce the possibility of a transfer being made by mistake when the transfer type is a predetermined type. [Brief explanation of the drawings]

[0021] [Figure 1] 1 is an explanatory diagram showing the configuration of an exchange system according to an embodiment of the present invention; [Figure 2] FIG. 10 is an explanatory diagram showing a specific example of a transfer request form 40. [Figure 3] FIG. 2 is an explanatory diagram showing a specific example of an entry screen 50. [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 a specific example of an approval screen. [Figure 6]FIG. 2 is an explanatory diagram showing the configuration of an exchange server 20 according to an embodiment of the present invention. [Figure 7] 2 is an explanatory diagram showing the configuration of an entry terminal 26 according to an embodiment of the present invention. FIG. [Figure 8] FIG. 2 is an explanatory diagram showing the configuration of a verifying terminal 27 according to an embodiment of the present invention. [Figure 9] FIG. 2 is an explanatory diagram showing the configuration of an approval terminal 28 according to an embodiment of the present invention. [Figure 10] 1 is an explanatory diagram showing an example of the overall operation of an exchange system 1 according to an embodiment of the present invention. [Figure 11] 1 is an explanatory diagram showing an example of the overall operation of an exchange system 1 according to an embodiment of the present invention. [Figure 12] FIG. 10 is a diagram showing an example of the configuration of a transfer history. [Figure 13] FIG. 4 is a diagram illustrating an example of a confirmation message in the first embodiment of the present invention. [Figure 14] 10 is a flowchart showing an example of the operation of the entry terminal 26 according to the first embodiment of the present invention. [Figure 15] 10 is a flowchart showing an example of the operation of the entry terminal 26 according to the first modified example. [Figure 16] 10 is a flowchart showing an example of the operation of the entry terminal 26 according to a second modified example. [Figure 17] FIG. 10 is a diagram showing an example of a screen for reading a transfer request form 40. [Figure 18] 10 is a flowchart showing an example of the operation of the entry terminal 26 according to the second embodiment of the present invention. [Figure 19] FIG. 9 is a diagram showing a hardware configuration of an information processing device 900 as an example of the entry terminal 26 according to the embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0022] 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.

[0023] <1. Overview of the exchange system> The present invention relates to an exchange system applied to a financial institution. First, an overview of the exchange system according to the embodiment of the present invention will be described with reference to Figs.

[0024] (composition) FIG. 1 is an explanatory diagram showing the configuration of an exchange system according to an embodiment of the present invention. As shown in FIG. 1, the exchange system 1 according to the embodiment of the present invention includes 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.

[0025] 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.

[0026] 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, the transfer recipient's account number, the transfer recipient's account number, 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.).

[0027] 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.

[0028] 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.

[0029] 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.

[0030] 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.

[0031] 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.

[0032] 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.

[0033] 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 the cut-out images corresponding to each item and the entry data corresponding to each item to the verify terminal 27.

[0034] 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.

[0035] 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.

[0036] 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.

[0037] 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.

[0038] 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.

[0039] 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.

[0040] If there are any items that do not match between the entry data and the verify data, the exchange server 20 delivers transfer data that includes the cut-out image and verify data corresponding to each item, and information indicating the items where the data do not match (the mismatched items), to the approval terminal 28. Additionally, if 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 exchange server 20 delivers transfer data that includes the 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. On the approval screen of the approval terminal 28, 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, 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 checks 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 checks 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, a predetermined modification is applied to the verify data that does not match the entry data on the approval screen. This allows the approver to easily identify the items with mismatched data.

[0043] Figure 5 is an explanatory diagram showing a specific example of an approval screen. As shown in Figure 5, approval screen 70 displays a cut-out image and verification 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 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 correct, 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] (background) In recent years, the number of transfers from local governments to residents has been increasing. Note that in this specification, "local government" refers to local public entities, including prefectures, cities, towns, villages, and special wards. When local governments transfer funds to residents, there have been many cases where administrative errors by local governments have resulted in duplicate transfers (e.g., transfers of subsidies) being mistakenly made by local governments to residents.

[0047] More specifically, even if a local government prepares a transfer request form without sufficient verification and takes it to a financial institution, the financial institution will process the transaction according to the incorrect information written on the transfer request form. As a result, the incorrect amount is transferred to residents, which has become a social problem. In particular, local governments, unlike general companies, do not necessarily have employees with specialized knowledge who handle various public fund transfer procedures, so there is a high possibility that incorrect transfer requests will be prepared.

[0048] Furthermore, even if local governments request the residents to return the money after the mistaken transfer of the amount has been made by the local government, there are cases in which the residents refuse to return the money to the local government. Such cases are making the social problem even more serious.

[0049] Therefore, the inventors of the present invention have taken the above circumstances into consideration and have created an exchange system according to an embodiment of the present invention. The exchange system according to an embodiment of the present invention can reduce the possibility of an erroneous transfer being made. The configuration and operation of the exchange system according to an embodiment of the present invention will be described in detail below.

[0050] The outline of the currency exchange system according to the embodiment of the present invention has been described above.

[0051] <2. Exchange Server Configuration> 6 is an explanatory diagram showing the configuration of the currency exchange server 20 according to the 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.

[0052] 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.

[0053] 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.

[0054] 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.

[0055] 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 (not shown) within the central center.

[0056] The configuration of the currency exchange server 20 according to the embodiment of the present invention has been described above.

[0057] <3. Entry device configuration> 7 is an explanatory diagram showing the configuration of the entry terminal 26 according to the 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.

[0058] 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.

[0059] 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.

[0060] 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.

[0061] 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.

[0062] 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.

[0063] 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.

[0064] The configuration of the entry terminal 26 according to the embodiment of the present invention has been described above.

[0065] <4. Verification terminal configuration> 8 is an explanatory diagram showing the configuration of verify terminal 27 according to an embodiment of the present invention. As shown in FIG. 8, verify terminal 27 has input unit 271, control unit 272, storage unit 276, communication unit 277, and display unit 278.

[0066] 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.

[0067] 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.

[0068] 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.

[0069] 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.

[0070] 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.

[0071] 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, an OLED (organic light emitting diode) device, or a display device such as a lamp.

[0072] The configuration of the verify terminal 27 according to the embodiment of the present invention has been described above.

[0073] <5. Configuration of the approval terminal> 9 is an explanatory diagram showing the configuration of approval terminal 28 according to an 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.

[0074] 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.

[0075] 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.

[0076] 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.

[0077] 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.

[0078] 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.

[0079] 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, an OLED (Organic Light Emitting Diode) device, or a display device such as a lamp.

[0080] The configuration of the approval terminal 28 according to the embodiment of the present invention has been described above.

[0081] <6. Overall operation> Next, an example of the overall operation of the currency exchange system 1 will be described with reference to FIGS.

[0082] 10 and 11 are explanatory diagrams showing an example of the overall operation of the currency exchange system 1 according to an embodiment of the present invention. When a client visits a branch, fills in the necessary information on a predetermined transfer request form 40 and submits the form 40 to the teller, a bank employee causes the scanner 11 to read the form 40.

[0083] 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).

[0084] 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).

[0085] 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.

[0086] 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.

[0087] 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).

[0088] 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 transfer data including the cut-out image corresponding to each item and the entry data corresponding to each item to the verification terminal 27 (S17).

[0089] 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.

[0090] 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.

[0091] 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).

[0092] 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).

[0093] 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.

[0094] 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.

[0095] On the other hand, if the processing unit 222 determines that there is an item that does not match between the entry data and the verify data ("NO" in S31), the transmission control unit 223 controls the communication unit 240 to send transfer data including the cut-out image and verify data corresponding to each item to the approval terminal 28 (S33).

[0096] 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 including cut-out images and verification data corresponding to each item based on the transfer data (S34).

[0097] The approver visually checks the cut-out image corresponding to each item, and if the approver determines that the verify data corresponding to each 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.

[0098] On the other hand, if the approver determines that there is an item with incorrect verify data while visually checking the cut-out image corresponding to each item, the approver inputs a send-back operation to the input unit 281. As an example, the send-back operation may be performed by pressing a "return" button.

[0099] The operation input by the approver is accepted by the input unit 281 (S35) and acquired by the acquisition unit 283. The output control unit 285 controls the communication unit 287 to transmit the operation input by the approver to the exchange server 20 (S36).

[0100] 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.

[0101] 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 the transfer data including the cut-out image and verification data corresponding to each item to the verification terminal 27 (S39).

[0102] In the verifying terminal 27, the transfer data received by the communication unit 277 is acquired by the acquiring unit 273. The output control unit 275 controls the display unit 278 to display a verification screen after the return, including the cut-out image and verification data corresponding to each item, based on the transfer data (S40).

[0103] While visually checking the cut-out image corresponding to each item, if the verifier determines that there is an item in the verification data that is incorrect, he or she inputs a correction operation for that verification data to the input unit 271. The correction operation for the verification data is accepted by the input unit 271 (S41) and acquired by the acquisition unit 273. The processing unit 274 corrects the verification data in accordance with the correction operation.

[0104] For example, when the verifier presses the "Send" button on the verification screen after the return, the output control unit 265 controls the communication unit 277 to send the verification data or the correction results of the verification data corresponding to each item to the exchange server 20 (S42).

[0105] In the currency exchange server 20, when the acquiring unit 221 acquires the verify data or the modified result of the verify data corresponding to each item received by the communication unit 240, the processing unit 222 updates the verify data corresponding to each item stored in the storage unit 230 with the verify data or the modified result of the verify data corresponding to each item. Then, the verify data corresponding to each item is replaced with the updated verify data, and S33 is executed again.

[0106] An example of the overall operation of the currency exchange system 1 according to the embodiment of the present invention has been described above.

[0107] 7. First Embodiment Next, a first embodiment of the present invention will be described.

[0108] (operation) A detailed operation example of the currency exchange system 1 according to the first embodiment of the present invention will be described. As shown in S15 (FIG. 10), when an entrant inputs a correction operation for the character recognition result, the correction operation is accepted by the input unit 261 and acquired by the acquisition unit 263. The processing unit 264 corrects the character recognition result in accordance with the correction operation.

[0109] In the first embodiment of the present invention, the storage unit 230 of the exchange server 20 stores a history of past transfers as a transfer history. When the entrant presses the "Send" button on the entry screen 50, the entry terminal 26 determines whether or not there is a possibility that a transfer will be made using the same combination of transferor and recipient as exists in the transfer history, before the entry data is sent to the exchange server 20. This reduces the possibility that an incorrect transfer will be made.

[0110] More specifically, the acquisition unit 263 acquires the character recognition result corresponding to the item "sender name" or the result of correction of the character recognition result by the person who made the entry as the sender name. Also, the acquisition unit 263 acquires the character recognition result corresponding to the item "recipient name" or the result of correction of the character recognition result by the person who made the entry as the recipient name.

[0111] In the first embodiment of the present invention, the processing unit 264 functions as an example of a judgment unit, and judges whether the transfer type related to the transfer request is a predetermined type based on whether the acquired client name contains a predetermined character string.

[0112] Here, the transfer type is information indicating the type of transfer, and may include the transfer target type as an example. Specific examples of the transfer target type include subsidies or grants. The predetermined transfer target type is the transfer target type for which it is desired to determine whether there is a possibility of a duplicate transfer. In the first embodiment of the present invention, the case where the predetermined transfer target type is subsidies is mainly assumed.

[0113] The character string indicating the predetermined transfer type is registered in advance. For example, if the predetermined transfer type is a donation, the character string indicating the predetermined transfer type may be a character string indicating donation, such as "shienkin" in katakana. However, the character string indicating the predetermined transfer type is not limited to katakana and may be changed appropriately to suit the type of characters used in the system.

[0114] As an example, when a local government transfers financial support to a resident, the client's name includes a combination of a character string indicating the "local government name" and a character string indicating the type of transfer, "support." For example, when the local government name is "A City" and the type of transfer is "support," the client's name includes "Eishi Shenkin," which is a combination of the character string "Eishi" indicating the "local government name" and the character string "Shenkin" indicating the type of transfer, "support."

[0115] If the processing unit 264 determines that the transfer type related to the transfer request is a predetermined type, it provides the combination of the sender's name and the recipient's name to the exchange server 20 via the communication unit 267. In the exchange server 20, the acquisition unit 221 acquires the combination of the sender's name and the recipient's name received by the communication unit 240, and the processing unit 222 determines whether the combination is included in the transfer history stored in the storage unit 230.

[0116] The transfer history includes transfer record information that shows the record of outgoing messages sent in the past. This transfer record information is, for example, information about different recipients in past outgoing messages for each sender. Note that the transfer history basically stores transfer record information so that it does not overlap with other transfer record information. In other words, even if multiple transfers with the same transfer record information are made, only one transfer record information is stored in the transfer history.

[0117] Figure 12 shows an example of the configuration of a transfer history. As shown in Figure 12, the transfer history is made up of a correspondence between the calling number, sender key, sender name, recipient key, recipient data, transfer amount, and transfer date. The recipient data also includes the name of the financial institution, branch name, and recipient name.

[0118] Here, the calling number is a number that is assigned to each outgoing message when the message is created so that it is unique to that message. The sender key corresponds to an example of sender information (identification information of the sender) in the outgoing message. For example, the sender key may be the sender's telephone number. The sender name corresponds to another example of sender information (identification information of the sender) in the outgoing message. The sender name may be the sender's name.

[0119] The recipient key is the account information of the transfer destination. For example, the recipient key is a combination of the transfer destination item and the transfer destination account number in the outgoing message. The financial institution name is the name of the financial institution of the transfer destination in the outgoing message. The branch name is the name of the branch of the transfer destination in the outgoing message. The recipient name is the name of the recipient of the transfer destination in the outgoing message. The recipient key and recipient data can correspond to recipient information.

[0120] The transfer amount is the transfer amount in the outgoing message. The transfer date is the transfer date in the outgoing message.

[0121] The transmission control unit 223 provides the entry terminal 26 via the communication unit 240 with a determination result indicating whether or not the combination of the sender's name and the recipient's name is included in the transfer history stored in the storage unit 230. In the entry terminal 26, the acquisition unit 263 acquires the determination result received by the communication unit 267. If the determination result acquired by the acquisition unit 263 indicates that the combination of the sender's name and the recipient's name is included in the transfer history, the output control unit 265 performs control so that a message (hereinafter also referred to as a "confirmation message") prompting confirmation as to whether or not to execute the transfer related to the transfer request is output.

[0122] The output destination of the confirmation message does not need to be limited. For example, the output destination of the confirmation message may be a terminal different from the entry terminal 26 (for example, the verify terminal 27). In the following, a case will be described in which the output destination of the confirmation message is within the entry screen displayed on the display unit 268 of the entry terminal 26. However, the output destination of the confirmation message may also be within a screen other than the entry screen displayed on the display unit 268 of the entry terminal 26.

[0123] Fig. 13 is a diagram for explaining an example of a confirmation message in the first embodiment of the present invention. Referring to Fig. 13, an example of an entry screen 50 is shown. In the comment of the entry screen 50, an example of a confirmation message is displayed by the display unit 268, "Possible duplicate transfer! Please contact your local government." If the person who made the entry sees such a message, they can contact the local government and confirm with the local government whether the transfer was appropriate.

[0124] An example of operation of the entry terminal 26 according to the first embodiment of the present invention will be summarized with reference to Fig. 14. Fig. 14 is a flowchart showing an example of operation of the entry terminal 26 according to the first embodiment of the present invention. When an entry person inputs a correction operation for the character recognition result in the entry terminal 26, as shown in Fig. 14, the correction operation is accepted by the input unit 261 (S15), and the correction operation is acquired by the acquisition unit 263.

[0125] The acquisition unit 263 acquires the character recognition result corresponding to the item "remitter's name" or the result of correction of the character recognition result by the person who made the entry as the sender's name. Furthermore, the acquisition unit 263 acquires the character recognition result corresponding to the item "recipient's name" or the result of correction of the character recognition result by the person who made the entry as the recipient's name (S151).

[0126] The processing unit 264 determines whether the acquired sender name contains the character string "Xiankin" (S152). This determines whether the transfer type related to the transfer request is a predetermined type. If it is determined that the sender name does not contain the character string "Xiankin" ("NO" in S152), the operation proceeds to S16.

[0127] On the other hand, if the processing unit 264 determines that the sender name includes the character string "Xiankin" ("YES" in S152), it provides the combination of the sender name and the recipient name to the exchange server 20 via the communication unit 267. In the exchange server 20, the acquisition unit 221 acquires the combination of the sender name and the recipient name received by the communication unit 240, and the acquisition unit 263 acquires from the exchange server 20 via the communication unit 267 a determination result indicating whether or not the combination is included in the transfer history stored in the memory unit 230.

[0128] If the determination result acquired by the acquisition unit 263 indicates that the combination of the sender's name and the recipient's name is included in the transfer history ("YES" in S153), the output control unit 265 controls the display unit 268 to display a confirmation message prompting the user to confirm whether to execute the transfer related to the transfer request (S159).

[0129] On the other hand, if the determination result acquired by the acquisition unit 263 indicates that the combination of the sender's name and the recipient's name is not included in the transfer history ("NO" in S153), the output control unit 265 controls the communication unit 267 to send the character recognition results corresponding to each item or the correction results made by the entrant to the exchange server 20 as entry data corresponding to each item (S16).

[0130] A detailed example of the operation of the currency exchange system 1 according to the first embodiment of the present invention has been described above.

[0131] (effect) According to the first embodiment of the present invention, if the sender's name contains the character string "Xiankin," which indicates the specified transfer type "support money," and if the combination of the sender's name and the recipient's name is included in the transfer history, a confirmation message is displayed. This allows the sender who sees the confirmation message to confirm the validity of the transfer execution to the local government that is the sender before sending the outgoing message. In other words, a highly operational system can be provided that can prevent duplicate transfers of support money.

[0132] (First Modification) In the above, it is mainly assumed that when the judgment result acquired by the acquisition unit 263 indicates that the combination of the sender's name and the recipient's name is included in the transfer history, a confirmation message is output prompting the user to confirm whether to carry out the transfer related to the transfer request.

[0133] However, the acquisition unit 263 may acquire the character recognition result corresponding to the item "transfer amount" or the result of correction of the character recognition result by the entrant as the transfer amount. Then, the processing unit 264 may determine whether the transfer amount acquired by the acquisition unit 263 matches the transfer amount associated with the combination in the transfer history. This makes it possible to determine with higher accuracy whether there is a possibility of a duplicate transfer. An example of the operation of the entry terminal 26 according to the first modified example will be summarized with reference to FIG. 15.

[0134] 15 is a flowchart showing an example of the operation of the entry terminal 26 according to the first modified example. S15 according to the first modified example may be executed in the same manner as S15 (FIG. 14) according to the first embodiment of the present invention.

[0135] Next, similarly to S151 (FIG. 14) according to the first embodiment of the present invention, the acquisition unit 263 acquires the character recognition result corresponding to the item "remitter's name" or the result of correction of the character recognition result by the person who made the entry as the sender's name, and acquires the character recognition result corresponding to the item "recipient's name" or the result of correction of the character recognition result by the person who made the entry as the recipient's name. Furthermore, in the first modified example, the acquisition unit 263 acquires the character recognition result corresponding to the item "transfer amount" or the result of correction of the character recognition result by the person who made the entry as the transfer amount (S154).

[0136] S152 according to the first modified example may be executed in the same manner as S152 (FIG. 14) according to the first embodiment of the present invention. Moreover, S153 according to the first modified example may be executed in the same manner as S153 (FIG. 14) according to the first embodiment of the present invention. As in the first embodiment of the present invention, the acquisition unit 263 acquires, from the currency exchange server 20 via the communication unit 267, a determination result indicating whether or not the combination of the sender's name and the recipient's name is included in the transfer history stored in the memory unit 230.

[0137] If the determination result obtained by the acquisition unit 263 indicates that the combination of the sender's name and the recipient's name is included in the transfer history ("YES" in S153), the processing unit 264 determines whether the transfer amount obtained by the acquisition unit 263 matches the transfer amount associated with that combination in the transfer history (S155).

[0138] If it is determined that the transfer amount acquired by the acquisition unit 263 matches the transfer amount associated with the combination in the transfer history ("YES" in S155), the operation proceeds to S159. S159 according to the first modified example may be executed in the same manner as S159 according to the first embodiment of the present invention (FIG. 14).

[0139] On the other hand, if it is determined that the transfer amount acquired by the acquisition unit 263 does not match the transfer amount associated with the combination in the transfer history ("NO" in S155), the operation proceeds to S16. S16 according to the first modified example may be executed in the same manner as S16 according to the first embodiment of the present invention (FIG. 14).

[0140] The above summarizes an example of the operation of the entry terminal 26 according to the first modified example.

[0141] (Second Modification) In the above, it is mainly assumed that when the judgment result acquired by the acquisition unit 263 indicates that the combination of the sender's name and the recipient's name is included in the transfer history, a confirmation message is output prompting the user to confirm whether to carry out the transfer related to the transfer request.

[0142] However, the processing unit 264 may also determine whether the transfer date associated with the combination in the transfer history is within one month from the present. This allows for a more accurate determination of whether there is a possibility of a duplicate transfer. Note that one month is merely one example of a predetermined period, and other periods (e.g., three months) may be used instead. An example of the operation of the entry terminal 26 according to the second modified example will be summarized with reference to FIG. 16.

[0143] 16 is a flowchart showing an example of the operation of the entry terminal 26 according to the second modified example. S15 and S151-S153 according to the second modified example may be executed in the same manner as S15 and S151-S153 (FIG. 14) according to the first embodiment of the present invention.

[0144] As in the first embodiment of the present invention, the acquisition unit 263 acquires a determination result indicating whether the combination of the sender's name and the recipient's name is included in the transfer history stored in the memory unit 230 from the exchange server 20 via the communication unit 267.

[0145] If the determination result acquired by the acquisition unit 263 indicates that the combination of the sender name and the recipient name is included in the transfer history ("YES" in S153), the processing unit 264 determines whether the transfer date associated with the combination in the transfer history is within one month from the present (S156). For example, "present" is the date to which the present belongs, and may be acquired from the timing function of the entry terminal 26.

[0146] If it is determined that the transfer date associated with the combination in the transfer history is within one month from the present ("YES" in S155), the operation proceeds to S159. S159 according to the second modified example may be executed in the same manner as S159 according to the first embodiment of the present invention (FIG. 14).

[0147] On the other hand, if it is determined that the transfer date associated with the combination in the transfer history is not within one month from the present ("NO" in S155), the operation proceeds to S16. S16 according to the second modified example may be executed in the same manner as S16 according to the first embodiment of the present invention (FIG. 14).

[0148] The above summarizes an example of the operation of the entry terminal 26 according to the second modified example.

[0149] (Other variations) In the above, we have mainly considered the case where it is determined whether a combination of a sender's name and a recipient's name is included in the transfer history. However, the sender's name is merely one example of sender information. Therefore, other sender information may be used instead of the sender's name. Similarly, since the recipient's name is merely one example of recipient information, other recipient information may be used instead of the recipient's name.

[0150] For example, the client information may include at least one of the client's telephone number and the client's name, and the payee information may include at least one of the name of the transferee financial institution, the name of the transferee branch, the transferee account, the transferee account number, and the payee's name.

[0151] In the above description, an example has been described in which whether or not the transfer type related to the transfer request is a predetermined type is determined by the entry terminal 26. However, whether or not the transfer type related to the transfer request is a predetermined type may be determined by the exchange server 20 or the verify terminal 27.

[0152] For example, when the exchange server 20 determines whether the transfer type related to the transfer request is a predetermined type, S151 to S152 shown in FIG. 14 may be executed after S16 or S20 shown in FIG. 10.

[0153] Alternatively, when the verify terminal 27 determines whether the transfer type related to the transfer request is a predetermined type, S151 to S152 shown in FIG. 14 may be executed after S19 shown in FIG. 10.

[0154] The first embodiment of the present invention has been described above.

[0155] 8. Second Embodiment Next, a second embodiment of the present invention will be described.

[0156] (operation) A detailed example of the operation of the foreign exchange system 1 according to the second embodiment of the present invention will be described. In the first embodiment of the present invention, the processing unit 222 mainly determines whether the transfer type is a predetermined type based on whether the requester's name included in the transfer request contains a character string for a predetermined transfer target type. However, the transfer type may also include the transferor type instead of the transfer target type. In the second embodiment of the present invention, the case where the transfer type includes the transferor type is mainly assumed.

[0157] That is, in the second embodiment of the present invention, a case will be described in which the processing unit 222 determines whether the transfer type is a predetermined type based on whether the sender type is a predetermined sender type.

[0158] A specific example of the type of remitter is a local government. The predetermined type of remitter is a type of remitter for which it is desired to determine whether there is a possibility of a duplicate transfer. In the second embodiment of the present invention, it is mainly assumed that the predetermined type of remitter is a local government.

[0159] As an example, suppose that when a bank employee scans a transfer request form 40 at a branch terminal 12, they determine that the transfer based on the transfer request form 40 is a transfer by a local government entity based on the client's name on the form 40. In such a case, the bank employee may associate the client type "local government entity" with the transfer data. This allows the processing unit 264 to determine whether the client type is the predetermined client type "local government entity" based on the client type associated with the transfer data.

[0160] FIG. 17 is a diagram showing an example of a reading screen for the transfer request form 40. Referring to FIG. 17, an example of the reading screen R1 for the transfer request form 40 is shown. For example, the reading screen R1 is displayed by the branch terminal 12 when the transfer request form 40 is scanned. As an example, a bank employee can associate the specified client type "local government entity" with the transfer data by checking the check box C1 indicating a transfer from a local government entity.

[0161] An example of the operation of the entry terminal 26 according to the second embodiment of the present invention will be summarized with reference to Fig. 18. Fig. 18 is a flowchart showing an example of the operation of the entry terminal 26 according to the second embodiment of the present invention. As shown in Fig. 18, S15 and S151 are executed, which are executed in the same manner as S15 and S151 described with reference to Fig. 14.

[0162] The processing unit 222 determines whether the client type is the predetermined client type "local government" (S157). If the processing unit 222 determines that the client type is not the predetermined client type "local government" ("NO" in S157), the operation proceeds to S16. On the other hand, if the processing unit 222 determines that the client type is the predetermined client type "local government" ("YES" in S157), the operation proceeds to S153.

[0163] Subsequently, S153, S159 and S16 are executed in the same manner as S153, S159 and S16 described with reference to FIG.

[0164] A detailed example of the operation of the currency exchange system 1 according to the second embodiment of the present invention has been described above.

[0165] (effect) According to the second embodiment of the present invention, similar to the first embodiment of the present invention, a system with excellent operability can be provided that can prevent duplicate transfers of support funds.

[0166] (Variation) As described above, various modifications can be applied to the second embodiment of the present invention as well, similar to the first embodiment of the present invention. For example, the "first modification," "second modification," and "other modifications" described after the first embodiment of the present invention can be applied to the second embodiment of the present invention as well, similar to the first embodiment of the present invention.

[0167] The second embodiment of the present invention has been described above.

[0168] <9. Hardware Configuration> Next, an example of the hardware configuration of the entry terminal 26 according to an 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 an 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.

[0169] 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.

[0170] 19 is a diagram showing a 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.

[0171] 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.

[0172] 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.

[0173] 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.

[0174] 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.

[0175] 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.

[0176] 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.

[0177] An example of the hardware configuration of the information processing device 900 as an example of the entry terminal 26 according to an embodiment of the present invention has been described above.

[0178] <10. Conclusion> Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such 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.

[0179] For example, the above description mainly deals with cases where support funds are transferred from local governments. Various uses of such support funds are envisioned. For example, support funds may be used for child allowances, scholarships, or pensions. In other words, support funds may be amounts transferred to support recipients in some way, and the uses of support funds need not be particularly limited.

[0180] In the above example, a transfer request form submitted by a client is read by a scanner in a reception terminal at the counter, and the transfer data obtained by the read operation is transmitted to the centralized center. However, the client may also submit a recording medium on which the transfer data is recorded to the counter. In this case, the transfer data may be read from the recording medium by a reading device separately provided in the reception terminal at the counter, and the read transfer data may be transmitted to the centralized center. For example, the recording medium may be a floppy disk.

[0181] For example, the above describes an example in which an embodiment of the present invention is applied to an exchange system for financial institutions, but the embodiment of the present invention can also be applied to other systems in general that perform transfer processing based on client information and recipient information.

[0182] Furthermore, the steps in the processing of the exchange system in this specification do not necessarily have to be processed in chronological order according to the order described in the flowchart. For example, the steps in the processing of the exchange system may be processed in an order different from that described in the flowchart, or may be processed in parallel. [Explanation of symbols]

[0183] 1. Exchange System 20 Exchange Server 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 determination unit that determines whether a combination of requester information and recipient information included in a transfer request is included in a transfer history based on whether the transfer type related to the transfer request is a predetermined type; an output control unit that controls the output of a message prompting the user to confirm whether or not to execute the transfer related to the transfer request based on the determination that the combination is included in the transfer history; An information processing system comprising:

2. the determination unit determines whether the transfer type is the predetermined type based on whether the requester's name included in the transfer request includes a character string representing a predetermined transfer target type; The information processing system according to claim 1 .

3. The predetermined transfer type is a support fund, The information processing system according to claim 2 .

4. The determination unit determines whether the transfer type is the predetermined type based on whether the client type is a predetermined client type. The information processing system according to claim 1 .

5. The predetermined client type is a local government. The information processing system according to claim 4 .

6. The client information includes at least one of a client phone number and a client name. The information processing system according to claim 1 .

7. The recipient information includes at least one of the name of the transfer destination financial institution, the name of the transfer destination branch, the transfer destination account, the transfer destination account number, and the recipient name. The information processing system according to claim 1 .

8. the determination unit determines whether or not the transfer amount included in the transfer request matches the transfer amount associated with the combination in the transfer history; the output control unit controls so that the message is output when the combination is included in the transfer history and when it is determined that the transfer amount included in the transfer request matches the transfer amount associated with the combination in the transfer history. The information processing system according to claim 1 .

9. The determination unit determines whether the transfer date associated with the combination in the transfer history is within a predetermined period from the present, the output control unit controls so that the message is output when the combination is included in the transfer history and when it is determined that the transfer date is within the predetermined period from the present; The information processing system according to claim 1 .

10. Obtaining a determination result obtained by determining whether or not a combination of requester information and recipient information included in the transfer request is included in the transfer history based on whether the transfer type related to the transfer request is a predetermined type; Controlling the output of a message prompting confirmation of whether to execute the transfer related to the transfer request based on the determination result indicating that the combination is determined to be included in the transfer history; 2. A computer-implemented information processing method, comprising:

11. Computer, an acquisition unit that acquires a determination result obtained by determining whether or not a combination of requester information and recipient information included in a transfer request is included in a transfer history based on whether the transfer type related to the transfer request is a predetermined type; an output control unit that controls the output of a message prompting the user to confirm whether to execute the transfer related to the transfer request based on the determination result indicating that the combination is determined to be included in the transfer history; A program that functions as a

12. an acquisition unit that acquires a determination result obtained by determining whether or not a combination of requester information and recipient information included in a transfer request is included in a transfer history based on whether the transfer type related to the transfer request is a predetermined type; an output control unit that controls the output of a message prompting the user to confirm whether to execute the transfer related to the transfer request based on the determination result indicating that the combination is determined to be included in the transfer history; An information processing device comprising:

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