Information processing system, information processing method, program, information processing device, and transfer request form

Abstract

To improve convenience for a client in making a transfer. [Solution] An information processing system is provided, comprising: an acquisition unit that acquires first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; and a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer has been executed based on the second account information and the third account information.

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, a program, an information processing device, and a transfer request form. [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 technique for reducing fees required for transfers. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2004-54552 Summary of the Invention [Problem to be solved by the invention]

[0005] When a transfer requester makes a payment to a recipient, they may want to transfer funds from an account other than the payment account to the payment account, and then request a transfer from the payment account to the recipient's account. In the following explanation, the payment account will also be referred to as the "main account." Also, the account other than the payment account will also be referred to as the "sub-account."

[0006] In this case, the client will typically fill out a first transfer request form to transfer funds from the sub-account to the main account, and then fill out a second transfer request form to request a transfer from the main account to the recipient's account.

[0007] However, if a requester fills out multiple transfer requests to request a transfer, the requester has to go through a lot of trouble to make the transfer, and the convenience of the requester in making the transfer does not improve.

[0008] 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 improve the convenience of clients when making transfers. [Means for solving the problem]

[0009] In order to solve the above problem, according to one aspect of the present invention, an information processing system is provided, comprising: an acquisition unit that acquires first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; and a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer has been executed based on the second account information and the third account information.

[0010] The acquisition unit may acquire a first transfer amount and a second transfer amount, the first transfer control unit may control the first transfer of the first transfer amount from the first account to the second account, and the second transfer control unit may control the second transfer of the second transfer amount from the second account to the third account.

[0011] The information processing system may include a judgment unit that performs judgment processing based on the balance of the second account and obtains a judgment result, and the second transfer control unit may control the second transfer based on the judgment result.

[0012] The determination unit may determine whether or not the balance of the second account after the first transfer is executed is equal to or greater than the second transfer amount.

[0013] The second transfer control unit may put the second transfer on hold when it is determined that the balance of the second account after the first transfer is executed is less than the second transfer amount, and when a deposit into the second account is detected, the determination unit may determine whether the balance of the second account after the deposit is greater than or equal to the second transfer amount, and the second transfer control unit may control the second transfer based on the determination that the balance of the second account after the deposit is greater than or equal to the second transfer amount.

[0014] The first transfer control unit may control the first transfer based on determining that a first total amount of the balance of the second account before the first transfer is executed and the first transfer amount is equal to or greater than the second transfer amount.

[0015] The first account may include multiple accounts.

[0016] In addition, according to another aspect of the present invention, in order to solve the above problem, an information processing system is provided, comprising: an acquisition unit that acquires first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; a judgment unit that performs a judgment process based on the balance of the second account and obtains a judgment result; and a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer has been executed based on the second account information and the third account information, wherein the second transfer control unit controls the second transfer based on the judgment result.

[0017] In addition, according to another aspect of the present invention, in order to solve the above problem, an information processing method is provided, which includes obtaining first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account, controlling a first transfer from the first account to the second account based on the first account information and the second account information, and controlling a second transfer from the second account to the third account after the first transfer has been executed based on the second account information and the third account information.

[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 first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account, a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information, and a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer has been executed based on the second account information and the third account information.

[0019] In addition, according to another aspect of the present invention, in order to solve the above problem, an information processing device is provided, comprising: an acquisition unit that acquires first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; and a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer has been executed based on the second account information and the third account information.

[0020] In addition, according to another aspect of the present invention, in order to solve the above problem, a transfer request form is provided, which has a first entry field for first account information indicating a first account, a second entry field for second account information indicating a transfer destination account for a first transfer to be executed using the first account as the transfer source account, and a third entry field for third account information indicating a transfer destination account for a second transfer to be executed using the second account as the transfer source account after the first transfer has been executed.

[0021] The first account may include multiple accounts. [Effects of the Invention]

[0022] According to the present invention as described above, it is possible to improve convenience for clients in making transfers. [Brief explanation of the drawings]

[0023] [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 overview of the overall processing of an exchange system 1 according to an embodiment of the present invention. [Figure 11]1 is an explanatory diagram showing an overview of the overall processing of an exchange system 1 according to an embodiment of the present invention. [Figure 12] FIG. 10 is a diagram for explaining a first comparative example. [Figure 13] FIG. 10 is a diagram for explaining a second comparative example. [Figure 14] 10 is an explanatory diagram showing a specific example of a continuous transfer request form 42. FIG. [Figure 15] FIG. 10 is a diagram illustrating an example of a reading screen. [Figure 16] 1 is a flowchart showing an example of transfer control executed by the currency exchange server 20 according to the first embodiment of the present invention. [Figure 17] 17 is a flowchart showing a detailed example of processing in S52 shown in FIG. 16. [Figure 18] 10 is a flowchart showing an example of transfer control executed by an exchange server 20 according to a second embodiment of the present invention. [Figure 19] 9 is a diagram showing a hardware configuration of an information processing device 900 as an example of an exchange server 20 according to an embodiment of the present invention. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0024] 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.

[0025] <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 the embodiment of the present invention will be described with reference to Figures 1 to 5. The exchange system may correspond to an information processing system.

[0026] (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. Note that the exchange server 20 may correspond to an information processing device.

[0027] 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.

[0028] 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, branch number, requester's account number (regular, current, savings, or other), requester's account number, requester's name, etc.), items related to the recipient (e.g., the recipient's name, name of the transfer financial institution, name of the transfer branch, transfer recipient's account number (regular, current, savings, or other), transfer recipient's account number, etc.), and the transfer amount. In addition, the plurality of items may include the 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, requester's account number, transfer amount, etc.).

[0029] 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.

[0030] The bank office terminal 12 may be, for example, a PC (Personal Computer) as shown in Fig. 1. Also, while Fig. 1 shows an example in which the scanner 11 and the bank office terminal 12 are separate devices, the functions of the scanner 11 and the bank office terminal 12 may be integrated into a single device. Also, exceptionally, the deposit type name (e.g., ordinary, current, savings, or other) corresponding to the mark position of the client's withdrawal account on the transfer request form 40 may be treated as image data corresponding to the client's account, and the deposit type number (e.g., 1 (= ordinary), 2 (= current), 4 (= savings), or 9 (= other)) corresponding to the mark position may be treated as the character recognition result corresponding to the client's account.

[0031] 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.

[0032] 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.

[0033] 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.

[0034] 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.

[0035] 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.

[0036] 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.

[0037] 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.

[0038] 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.

[0039] 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.

[0040] 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.

[0041] 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.

[0042] 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.

[0043] 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.

[0044] 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.

[0045] 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.

[0046] 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.

[0047] 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).

[0048] The outline of the currency exchange system according to the embodiment of the present invention has been described above.

[0049] <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.

[0050] 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.

[0051] 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.

[0052] 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.

[0053] 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.

[0054] The configuration of the currency exchange server 20 according to the embodiment of the present invention has been described above.

[0055] <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.

[0056] 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.

[0057] 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.

[0058] 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.

[0059] 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.

[0060] 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.

[0061] 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.

[0062] The configuration of the entry terminal 26 according to the embodiment of the present invention has been described above.

[0063] <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.

[0064] 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.

[0065] 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.

[0066] 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.

[0067] 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.

[0068] 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.

[0069] 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.

[0070] The configuration of the verify terminal 27 according to the embodiment of the present invention has been described above.

[0071] <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.

[0072] 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.

[0073] 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.

[0074] 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.

[0075] 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.

[0076] 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.

[0077] 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.

[0078] The configuration of the approval terminal 28 according to the embodiment of the present invention has been described above.

[0079] <6. Overall processing overview> Next, an overview of the overall processing of the currency exchange system 1 will be described with reference to FIGS.

[0080] 10 and 11 are explanatory diagrams showing an overview of the overall processing 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 application form 40 and submits the form 40 to the teller, a bank employee causes the scanner 11 to read the form 40.

[0081] 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 the entry fields 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).

[0082] 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).

[0083] 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.

[0084] 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.

[0085] 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).

[0086] 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).

[0087] 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.

[0088] 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.

[0089] 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).

[0090] 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).

[0091] 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.

[0092] 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.

[0093] 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).

[0094] 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).

[0095] 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.

[0096] 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.

[0097] 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).

[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), the transmission control unit 223 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 the transfer data including the cut-out image and verification data corresponding to each item to the verification terminal 27 (S39).

[0100] 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).

[0101] 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.

[0102] 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).

[0103] 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.

[0104] The above has described an overview of the overall processing of the currency exchange system 1 according to an embodiment of the present invention.

[0105] <7. Identifying the issues> As mentioned above, when a transfer requester makes a payment to a recipient, they may want to transfer funds from an account other than the payment account to the payment account, and then request a transfer from the payment account to the recipient's account. In the following explanation, the payment account will also be referred to as the "main account." Also, the account other than the payment account will also be referred to as the "sub-account."

[0106] In the following description, we will mainly assume that there are three sub-accounts. However, the number of sub-accounts may be a number other than three. That is, the number of sub-accounts may be one or more. In the following description, the three sub-accounts will also be referred to as sub-account A, sub-account B, and sub-account C.

[0107] In the following explanation, it is mainly assumed that the recipient is a retailer. In this case, the recipient's account is a retailer account. However, the recipient may also be a transfer destination other than a retailer (for example, an individual). In other words, the recipient's account may also be a transfer destination account other than a retailer account (for example, an individual account).

[0108] Here, in order to clarify the advantages of the embodiments of the present invention, a first comparative example will be described with reference to Figure 12, and a second comparative example will be described with reference to Figure 13. Each of the first comparative example and the second comparative example is an example of a general method in which funds are transferred from subaccount A, subaccount B, and subaccount C to a main account, and then a transfer is made from the main account to a recipient account.

[0109] Figure 12 is a diagram for explaining the first comparative example. As shown in Figure 12, in the first comparative example, when a client fills out a first transfer request form and requests a bank clerk to transfer money from subaccount A to the main account, the bank clerk causes scanner 11 to read the first transfer request form, and the transfer from subaccount A to the main account is executed (S71).

[0110] Similarly, when the client fills out a second transfer request form and requests the bank clerk to transfer funds from subaccount B to the main account, the bank clerk will have scanner 11 read the second transfer request form and the transfer from subaccount B to the main account will be executed (S72). Also, when the client fills out a third transfer request form and requests the bank clerk to transfer funds from subaccount C to the main account, the bank clerk will have scanner 11 read the third transfer request form and the transfer from subaccount C to the main account will be executed (S73).

[0111] By these transfers (S71 to S73), funds are secured in the main account (S74). Then, when the client fills out a fourth transfer request form and requests a bank clerk to transfer funds from the secured main account to the recipient account, the bank clerk has the fourth transfer request form read by scanner 11, and the transfer from the main account to the recipient account is executed (S75).

[0112] However, in the first comparative example, the requester must fill out four transfer request forms to request a transfer. This requires a lot of effort on the part of the requester to make a transfer, and the convenience of the requester's transfers is not improved. Furthermore, in the first comparative example, the requester must pay transfer fees for the administrative processing of the four transfer request forms, which places a heavy financial burden on the requester.

[0113] Figure 13 is a diagram for explaining a second comparative example. As shown in Figure 13, in the second comparative example, when a client requests a withdrawal from subaccount A, the withdrawal from subaccount A is executed (S81). Furthermore, when the client requests a deposit to subaccount A, the deposit to subaccount A is executed (S82).

[0114] For example, when a client requests a bank employee to withdraw funds from subaccount A, the withdrawal from subaccount A may be executed based on the bank employee's withdrawal operation. Furthermore, when a client requests a bank employee to deposit funds into subaccount A, the deposit to subaccount A may be executed based on the bank employee's deposit operation.

[0115] Alternatively, instead of requesting a bank clerk to withdraw funds from subaccount A, the client may input a withdrawal instruction from subaccount A into an ATM (Automated Teller Machine). This also allows for a withdrawal from subaccount A. Similarly, instead of requesting a bank clerk to deposit funds into subaccount A, the client may input a deposit instruction into the ATM. This also allows for a deposit into subaccount A.

[0116] Similarly, when the client requests a withdrawal from subaccount B, the withdrawal from subaccount B is executed (S83). Furthermore, when the client requests a deposit to subaccount B, the deposit to subaccount B is executed (S84). Furthermore, when the client requests a withdrawal from subaccount C, the withdrawal from subaccount C is executed (S85). Furthermore, when the client requests a deposit to subaccount C, the deposit to subaccount C is executed (S86).

[0117] Funds are secured in the main account through these deposits and withdrawals (S81-S86) (S87). Then, when the client fills out a transfer request form and asks a bank employee to transfer funds from the secured main account to the recipient account, the bank employee has the transfer request form read by scanner 11, and the transfer from the main account to the recipient account is executed (S88).

[0118] In the second comparative example, the requester only needs to fill out a single transfer request form to request a transfer, and therefore only needs to pay the transfer fee for processing the single transfer request form, thereby reducing the financial burden on the requester. However, the requester must repeatedly request withdrawals and deposits. Therefore, the requester still has to go through a lot of effort to make a transfer, and the convenience of the requester's transfers is not improved.

[0119] Therefore, the following explanation will mainly focus on technology that reduces the effort required by the client to transfer funds from subaccount A, subaccount B, and subaccount C to the main account and from the main account to the recipient account. Such technology can improve the convenience of transfers for the client. The following explanation will particularly focus on technology that reduces the effort required by the client while keeping transfer fees low. This can reduce the financial burden on the client.

[0120] The problems with the first and second comparative examples have been summarized above.

[0121] 8. First Embodiment Next, a first embodiment of the present invention will be described. In the following description, a transfer from sub-accounts A to C to the main account will also be referred to as a "first transfer." A transfer from the main account to the recipient account, which is executed after the first transfer, will also be referred to as a "second transfer." Furthermore, the sequential execution of the first and second transfers will also be referred to as a "consecutive transfer." In the first embodiment of the present invention, the applicant requests consecutive transfers by filling out a consecutive transfer request form 42 (Figure 14).

[0122] (Continuous Transfer Request Form) FIG. 14 is an explanatory diagram showing a specific example of a continuous transfer request form 42. As shown in FIG. 14, the continuous transfer request form 42 includes fields for each item related to the requester, as indicated by "transfer destination," "recipient," and "requester," as well as fields for each item related to the recipient, and a transfer amount entry field 428 in which to enter the amount to be transferred from the main account to the recipient account. The transfer amount to be entered in the transfer amount entry field 428 is the amount to be transferred from the main account to the recipient account. The entry fields for each item related to the recipient also include a recipient account entry field 425.

[0123] The recipient account entry field 425 is the third entry field, and is a field for entering account information indicating the recipient account (name of the transfer destination financial institution, name of the transfer destination branch, transfer destination account (savings, current, savings or other), and transfer destination account number). The recipient account is the third account, and is the transfer destination account for a transfer (second transfer) that is executed with the main account as the transfer source account after transfers from sub-accounts A to C to the main account are executed.

[0124] In addition, among the items related to the client, the entry fields for account information (branch number, client subject, and client account number) are divided into entry fields corresponding to the main account, sub-account A, sub-account B, and sub-account C, as shown in the "Account Entry Fields."

[0125] More specifically, the "account entry section" of the continuous transfer request form 42 includes a main account entry section 421, which is an entry section for the main account, and sub-account entry sections 423A to 423C, which are entry sections for sub-accounts A, B, and C.

[0126] The main account entry field 421 is the first entry field, and includes entry fields for the account information of the main account (branch number, client account number, and client account number). The main account is the first account, and is the transfer destination account for a transfer (first transfer) made with sub-accounts A to C as the transfer source account.

[0127] Sub-account entry field 423A corresponds to the second entry field, and includes an entry field for account information for sub-account A (branch number, client account number, and client account number) and an entry field for the transfer amount from sub-account A to the main account. Sub-account A can correspond to the second account.

[0128] Similarly, sub-account entry field 423B corresponds to the second entry field, and includes an entry field for account information for sub-account B (branch number, client account number, and client account number) and an entry field for the transfer amount from sub-account B to the main account. Sub-account B may correspond to the second account.

[0129] In addition, the sub-account entry field 423C corresponds to the second entry field, and includes an entry field for the account information of sub-account C (branch number, client account number, and client account number) and an entry field for the transfer amount from sub-account C to the main account. Sub-account C can correspond to the second account.

[0130] (process) Next, a detailed example of processing of the currency exchange system 1 according to the first embodiment of the present invention will be described with reference to FIGS. 15 to 17 (and also with reference to FIGS. 1 to 11 and 14 as appropriate).

[0131] When requesting a continuous transfer, the client fills out the necessary information on a continuous transfer request form 42 (FIG. 14) and submits the continuous transfer request form 42 to the teller. The bank clerk then has the scanner 11 read the continuous transfer request form 42.

[0132] Scanner 11 obtains image data by reading continuous transfer application form 42. Furthermore, scanner 11 obtains character recognition results corresponding to each of a plurality of items by performing character recognition on the image data of continuous transfer application form 42. More specifically, scanner 11 obtains character recognition results corresponding to each item by performing character recognition on the entry fields for each item in the image data of continuous transfer application form 42.

[0133] At this time, character recognition of the sub-account entry field 423A of the image data of the continuous transfer request form 42 obtains account information indicating sub-account A and the amount to be transferred from sub-account A to the main account. Also, character recognition of the sub-account entry field 423B of the image data of the continuous transfer request form 42 obtains account information indicating sub-account B and the amount to be transferred from sub-account B to the main account. Furthermore, character recognition of the sub-account entry field 423C of the image data of the continuous transfer request form 42 obtains account information indicating sub-account C and the amount to be transferred from sub-account C to the main account.

[0134] The branch terminal 12 generates the above-mentioned transfer data. The client's account information (branch number, client's subject, client's account number) included in the transfer data is the main account information (branch number, client's subject, client's account number) obtained by character recognition of the main account entry field 421 of the image data of the continuous transfer application form 42.

[0135] Furthermore, the transfer amount included in the transfer data is the transfer amount from the main account to the recipient account, obtained by character recognition of the transfer amount entry field 428 of the image data of the continuous transfer request form 42. Furthermore, the recipient account information included in the transfer data (recipient financial institution name, recipient branch name, recipient account, recipient account number) is the recipient account information obtained by character recognition of the recipient account entry field 425 of the image data of the continuous transfer request form 42.

[0136] The sales office terminal 12 adds the account information indicating sub-account A, the transfer amount from sub-account A to the main account, account information indicating sub-account B, the transfer amount from sub-account B to the main account, account information indicating sub-account C, and the transfer amount from sub-account C to the main account as sub-information to the transfer data. Furthermore, the sales office terminal 12 adds the transfer type "continuous transfer" to the transfer data, and transmits the transfer data with the sub-information and the transfer type "continuous transfer" added to the currency exchange server 20 (S11). Here, an example of adding the transfer type "continuous transfer" to the transfer data will be described.

[0137] 15 is a diagram showing an example of a reading screen. Referring to FIG. 15, reading screen R1 is shown. For example, reading screen R1 is displayed by the branch terminal 12 when scanning a transfer application form 40 or a consecutive transfer application form 42.

[0138] As an example, the bank office terminal 12 may add the transfer type "continuous transfer" to the transfer data based on the bank employee checking the check box C1 indicating continuous transfer. Alternatively, if a code indicating continuous transfer is attached to the continuous transfer request form 42, the bank office terminal 12 may add the transfer type "continuous transfer" to the transfer data based on the code indicating continuous transfer being read from the continuous transfer request form 42 by the scanner 11.

[0139] In the currency exchange server 20, the transfer data received by the communication unit 240 is acquired by the acquisition unit 221. Then, S12 to S37 are executed. If the answer is "YES" in S37, the process proceeds to S39. On the other hand, if the answer is "NO" in S37, the process proceeds to S51 (FIG. 16).

[0140] FIG. 16 is a flowchart showing an example of transfer control executed by the currency exchange server 20 according to the first embodiment of the present invention.

[0141] As shown in Figure 16, when the processing unit 222 determines that the operation input by the approver is an approval operation ("NO" in S37), it determines whether the transfer type "continuous transfer" is assigned to the transfer data (S51). If the transfer type "continuous transfer" is not assigned to the transfer data, the process proceeds to S38. On the other hand, when the processing unit 222 determines that the operation input by the approver is an approval operation ("YES" in S37), transfers from sub-accounts A to C to the main account (S52) are executed.

[0142] Figure 17 is a flowchart showing a detailed processing example of S52 shown in Figure 16. As shown in Figure 17, when S52 starts, the transmission control unit 223 functions as a first transfer control unit that controls the transfer of the transfer amount (first transfer amount) from subaccount A to the main account.

[0143] More specifically, the transmission control unit 223 controls the transfer by controlling the communication unit 240 to send an outgoing message containing the account information of the main account included in the transfer data, the account information indicating subaccount A added to the transfer data, and the transfer amount (first transfer amount) from subaccount A to the main account to the host 30 via the communication gateway 29 (S521). At this time, based on receiving the outgoing message, the host 30 transfers the transfer amount from subaccount A to the main account.

[0144] For example, the host 30 may store the balance corresponding to the account information indicating sub-account A and the balance corresponding to the account information indicating the main account, and may transfer the transfer amount from sub-account A to the main account by subtracting the transfer amount from the balance corresponding to the account information indicating sub-account A and adding the transfer amount to the balance corresponding to the account information indicating the main account.

[0145] When the host 30 completes the transfer from subaccount A to the main account, the host 30 sends a response message indicating that the transfer from subaccount A to the main account has been completed. In the exchange server 20, the communication unit 240 receives the response message (S522), and the processing unit 222 acquires the response message.

[0146] When the processing unit 222 acquires the response message, the transmission control unit 223 functions as a first transfer control unit that controls the transfer of the transfer amount (first transfer amount) from the subaccount B to the main account.

[0147] More specifically, the transmission control unit 223 controls the transfer by controlling the communication unit 240 to send an outgoing message to the host 30 via the communication gateway 29, the outgoing message including the account information of the main account included in the transfer data, the account information indicating subaccount B added to the transfer data, and the transfer amount (first transfer amount) from subaccount B to the main account (S523). At this time, based on receiving the outgoing message, the host 30 transfers the transfer amount from subaccount B to the main account, similar to the transfer from subaccount A to the main account.

[0148] When the host 30 completes the transfer from subaccount B to the main account, the host 30 sends a response message indicating that the transfer from subaccount B to the main account has been completed. In the exchange server 20, the communication unit 240 receives the response message (S524), and the processing unit 222 acquires the response message.

[0149] When the processing unit 222 acquires the response message, the transmission control unit 223 functions as a first transfer control unit that controls the transfer of the transfer amount (first transfer amount) from the subaccount C to the main account.

[0150] More specifically, the transmission control unit 223 controls the transfer by controlling the communication unit 240 to send an outgoing message to the host 30 via the communication gateway 29, the outgoing message including the account information of the main account included in the transfer data, the account information indicating subaccount C added to the transfer data, and the transfer amount (first transfer amount) from subaccount C to the main account (S525). At this time, based on receiving the outgoing message, the host 30 transfers the transfer amount from subaccount C to the main account, similar to the transfer from subaccount A to the main account.

[0151] When the host 30 completes the transfer from subaccount C to the main account, the host 30 sends a response message indicating that the transfer from subaccount C to the main account has been completed. In the exchange server 20, the communication unit 240 receives the response message (S526), ​​and the acquisition unit 221 acquires the response message.

[0152] Continuing the explanation, returning to Figure 16, when the acquisition unit 221 acquires the response message, the processing unit 222 functions as a determination unit that performs a determination process based on the balance of the main account and obtains a determination result. Then, the transmission control unit 223 functions as a second transfer control unit that controls the transfer of the transfer amount from the main account to the recipient account based on the determination result.

[0153] More specifically, the transmission control unit 223 controls the communication unit 240 to send a main account balance request, including the account information of the main account, to the host 30 via the communication gateway 29 (S53). At this time, the host 30 obtains the balance corresponding to the account information of the main account based on the reception of the main account balance request. The host 30 then sends a main account balance response, including the balance corresponding to the account information of the main account, to the exchange server 20.

[0154] In the currency exchange server 20, the communication unit 240 receives the main account balance response (S54), and the processing unit 222 acquires the main account balance response. The processing unit 222 acquires the balance corresponding to the account information of the main account from the main account balance response as the main account balance. The processing unit 222 determines whether the main account balance is equal to or greater than the amount to be transferred from the main account to the recipient account (S55).

[0155] If the processing unit 222 determines that the main account balance is equal to or greater than the amount to be transferred from the main account to the recipient account (YES in S55), the process proceeds to S38. In S38, the transmission control unit 223 controls the transfer of the amount to be transferred from the main account to the recipient account.

[0156] More specifically, the transmission control unit 223 controls the transfer from the main account to the recipient account by controlling the communication unit 240 to send an outgoing message including verification data (or entry data) to the host 30 via the communication gateway 29. At this time, the host 30 executes the transfer based on the reception of the outgoing message.

[0157] On the other hand, if the processing unit 222 determines that the main account balance is less than the amount to be transferred from the main account to the recipient account ("NO" in S55), the transmission control unit 223 notifies the branch terminal 12 of the insufficient balance via the communication unit 240 and the communication gateway 29 (S56).

[0158] A detailed example of the processing of the currency exchange system 1 according to the first embodiment of the present invention has been described above.

[0159] (effect) According to the first embodiment of the present invention, a continuous transfer request form 42 is provided, which has a main account entry field 421, sub-account entry fields 423A to 423C, and a recipient account entry field 425. The foreign exchange system 1 controls transfers from sub-accounts A to C to the main account based on the main account information obtained from the main account entry field 421 and the sub-account information obtained from the sub-account entry fields 423A to 423C, and controls transfers from the main account to the recipient accounts based on the main account information obtained from the main account entry field 421 and the recipient account information obtained from the recipient account entry field 425.

[0160] This reduces the amount of work required for the applicant to make a transfer and improves convenience for the applicant when making a transfer, as the applicant only needs to fill out one consecutive transfer request form 42 to request a transfer. Furthermore, because the applicant only needs to fill out one consecutive transfer request form 42 to request a transfer, they only need to pay the transfer fee required for processing one consecutive transfer request form 42, reducing the financial burden on the applicant.

[0161] The first embodiment of the present invention has been described above.

[0162] 9. Second Embodiment Next, a second embodiment of the present invention will be described. The second embodiment of the present invention differs from the first embodiment of the present invention in the functions possessed by the exchange server 20. More specifically, the exchange server 20 according to the second embodiment of the present invention has functions (hereinafter also referred to as "additional functions") that the exchange server 20 according to the first embodiment of the present invention does not have. The following describes these additional functions.

[0163] (operation) 18 is a flowchart showing an example of transfer control executed by the currency exchange server 20 according to the second embodiment of the present invention. As shown in FIG. 18, steps S51 to S55 are executed.

[0164] In the second embodiment of the present invention, as in the first embodiment of the present invention, if the processing unit 222 determines that the main account balance is equal to or greater than the transfer amount from the main account to the recipient account ("YES" in S55), the processing proceeds to S38.

[0165] In the second embodiment of the present invention, as in the first embodiment of the present invention, if the processing unit 222 determines that the main account balance is less than the amount to be transferred from the main account to the recipient account ("NO" in S55), the transmission control unit 223 notifies the branch terminal 12 of the insufficient balance via the communication unit 240 and the communication gateway 29 (S56).

[0166] At this time, in the second embodiment of the present invention, the transmission control unit 223 suspends the transfer from the main account to the recipient account. Then, when the processing unit 222 detects a deposit into the main account (S57), the processing unit 222 returns to S53. Then, S53 and S54 are executed again. Note that the processing unit 222 may detect a deposit into the main account in any manner.

[0167] For example, when the sales office terminal 12 detects a deposit into the main account, the sales office terminal 12 may send a deposit notification to the currency exchange server 20. At this time, the processing unit 222 may detect the receipt of the deposit notification by the communication unit 240 as a deposit into the main account. Alternatively, the processing unit 222 may inquire of the host 30 at predetermined time intervals as to whether a deposit has been made into the main account. At this time, the processing unit 222 may detect the receipt by the communication unit 240 of a response from the host 30 indicating that a deposit has been made into the main account as a deposit into the main account.

[0168] The processing unit 222 determines whether the balance of the main account after the deposit is equal to or greater than the amount to be transferred from the main account to the recipient account (S55). If it is determined that the balance of the main account after the deposit is equal to or greater than the amount to be transferred from the main account to the recipient account ("YES" in S55), the processing proceeds to S38. In S38, the transmission control unit 223 controls the transfer of the transfer amount from the main account to the recipient account.

[0169] A detailed example of the processing of the currency exchange system 1 according to the second embodiment of the present invention has been described above.

[0170] (effect) The second embodiment of the present invention achieves the same effects as the first embodiment of the present invention. Furthermore, according to the second embodiment of the present invention, if it is determined that the main account balance is less than the transfer amount from the main account to the recipient account, the transfer from the main account to the recipient account is put on hold. Then, if a deposit into the main account is detected and it is determined that the main account balance after the deposit is equal to or greater than the transfer amount from the main account to the recipient account, the transfer amount from the main account to the recipient account is transferred. This further improves the convenience of transfers for the requester.

[0171] The second embodiment of the present invention has been described above.

[0172] <10. Hardware Configuration> Next, an example of the hardware configuration of the currency exchange server 20 according to an embodiment of the present invention will be described. As an example of the hardware configuration of the currency exchange server 20 according to an embodiment of the present invention, an example of the hardware configuration of the information processing device 900 will be described below. The hardware configurations of the entry terminal 26, the verify terminal 27, and the approval terminal 28 can also be realized in the same way as the hardware configuration of the currency exchange server 20.

[0173] 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.

[0174] 19 is a diagram showing the hardware configuration of an information processing device 900 as an example of the currency exchange server 20 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.

[0175] 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.

[0176] 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.

[0177] 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.

[0178] 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.

[0179] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, and a deletion device that deletes 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.

[0180] 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.

[0181] An example of the hardware configuration of the information processing device 900 as an example of the currency exchange server 20 according to an embodiment of the present invention has been described above.

[0182] <11. 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.

[0183] For example, in the above example, a determination is made as to whether the balance of the main account after the transfer from sub-accounts A to C to the main account is equal to or greater than the transfer amount (second transfer amount) from the main account to the recipient account. However, the determination may be made before the transfer from sub-accounts A to C to the main account is made.

[0184] That is, the processing unit 222 may calculate the total amount (first total amount) of the balance of the main account before the transfer from sub-accounts A to C to the main account is executed and the transfer amount from sub-accounts A to C to the main account, and determine whether this total amount is equal to or greater than the transfer amount from the main account to the recipient account. Then, the transmission control unit 223 may control the transfer from sub-accounts A to C to the main account based on the determination that this total amount is equal to or greater than the transfer amount from the main account to the recipient account.

[0185] 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.

[0186] In the above, an example has been described in which the embodiment of the present invention is applied to the currency exchange system 1 for financial institutions. However, the embodiment of the present invention can also be applied to other systems that perform transfer processing based on a transfer request form.

[0187] Furthermore, the steps in the processing of the exchange system 1 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 1 may be processed in an order different from the order described in the flowchart, or may be processed in parallel. [Explanation of symbols]

[0188] 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. an acquisition unit that acquires first account information indicating the first account, second account information indicating the second account, and third account information indicating the third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer is executed based on the second account information and the third account information; An information processing system comprising:

2. the acquiring unit acquires a first transfer amount and a second transfer amount; the first transfer control unit controls the first transfer of the first transfer amount from the first account to the second account; the second transfer control unit controls the second transfer of the second transfer amount from the second account to the third account; The information processing system according to claim 1 .

3. the information processing system includes a determination unit that performs a determination process based on the balance of the second account and obtains a determination result; The second transfer control unit controls the second transfer based on the determination result. The information processing system according to claim 2 .

4. the determination unit determines whether the balance of the second account after the first transfer is executed is equal to or greater than the second transfer amount; The information processing system according to claim 3 .

5. the second transfer control unit suspends the second transfer when it is determined that the balance of the second account after the first transfer is executed is less than the second transfer amount; the determination unit, when detecting a deposit into the second account, determines whether the balance of the second account after the deposit is equal to or greater than the second transfer amount; the second transfer control unit controls the second transfer based on the determination that the balance of the second account after the deposit is equal to or greater than the second transfer amount. The information processing system according to claim 4 .

6. the first transfer control unit controls the first transfer based on a determination that a first total amount of the balance of the second account before the first transfer is executed and the first transfer amount is equal to or greater than the second transfer amount; The information processing system according to claim 3 .

7. the first account includes a plurality of accounts; The information processing system according to claim 1 .

8. an acquisition unit that acquires first account information indicating the first account, second account information indicating the second account, and third account information indicating the third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; a determination unit that performs a determination process based on the balance of the second account and obtains a determination result; a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer is executed based on the second account information and the third account information; Equipped with The second transfer control unit controls the second transfer based on the determination result. Information processing system.

9. obtaining first account information indicating a first account, second account information indicating a second account, and third account information indicating a third account; Controlling a first transfer from the first account to the second account based on the first account information and the second account information; Controlling a second transfer from the second account to the third account after the first transfer is executed based on the second account information and the third account information; An information processing method, including:

10. Computer, an acquisition unit that acquires first account information indicating the first account, second account information indicating the second account, and third account information indicating the third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer is executed based on the second account information and the third account information; A program that functions as a

11. an acquisition unit that acquires first account information indicating the first account, second account information indicating the second account, and third account information indicating the third account; a first transfer control unit that controls a first transfer from the first account to the second account based on the first account information and the second account information; a second transfer control unit that controls a second transfer from the second account to the third account after the first transfer is executed based on the second account information and the third account information; An information processing device comprising:

12. a first entry field for first account information indicating a first account; a second entry field for second account information indicating a transfer destination account for a first transfer executed using the first account as a transfer source account; a third entry field for third account information indicating a transfer destination account for a second transfer to be executed using the second account as a transfer source account after the first transfer is executed; A transfer request form having the following:

13. the first account includes a plurality of accounts; The transfer request form according to claim 12.

Images