Information processing system, information processing method, and program

Abstract

To provide a system that prevents remitter's fraud damage based on objective determination.SOLUTION: In a fraud prevention system, a fraud determination server includes: an acquisition unit that acquires remittance request information indicating information related to a remittance request of a remitter; a determination unit that determines whether or not the information related to the remitter satisfies a predetermined condition; a confirmation unit that transmits confirmation request information indicating information related to a confirmation request as to whether or not to permit the remittance; a remittance processing unit that transmits, on the basis of confirmation result information indicating information related to a result of a confirmer confirming the remittance request by the remitter for the confirmation request information, to a financial institution system, remittance approval / disapproval information indicating information related to whether or not to cause the financial institution system to execute the remittance by the remitter; and a display control unit that transmits, to a plurality of confirmers, information as to whether or not to cause the financial institution system to execute the remittance by the remitter, for displaying a confirmation state of at least one confirmer out of the plurality of confirmers on a screen in an identifiable manner.SELECTED DRAWING: Figure 5

Description

[Technical field]

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

[0002] In recent years, there has been an increase in fraudulent transfers via mobile phones, ATMs (Automated Teller Machines), etc. A transfer system for protecting customers from fraudulent transfers has been disclosed (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2011-108068 A Summary of the Invention [Problem to be solved by the invention]

[0004] The transfer system described in Patent Document 1 allows the customer to select a transfer method. Specifically, the transfer system displays on the display unit a screen for selecting between a normal transfer process in which the transfer process is immediately performed based on the transfer destination information and a transfer process for preventing transfer fraud based on the transfer destination information. Next, when the transfer process for preventing transfer fraud is selected by the customer, the transfer system starts a diagnosis of whether there is a suspicion of transfer fraud based on preset conditions. In the diagnosis, a question is output to the customer. The transfer system diagnoses whether there is a suspicion of transfer fraud for the transfer based on the customer's answer to the question. The transfer system displays the diagnosis result on the display unit and provides the diagnosis result to the customer. This allows the transfer system to avoid transfer fraud against the customer. However, the transfer system described in Patent Document 1 relies only on the customer's own judgment without any objective judgment, and therefore cannot sufficiently prevent transfer fraud.

[0005] SUMMARY OF THE PRESENT DISCLOSURE In order to solve the above problems, an object of the present invention is to provide a system that prevents remitter from becoming a victim of fraud based on objective judgment. [Means for solving the problem]

[0006] An information processing system according to one aspect of the present invention includes an acquisition unit that acquires remittance request information indicating information regarding the remittance request by the remittance sender from a financial institution system that accepts a remittance request from the remittance sender; a determination unit that determines whether or not the information regarding the remittance sender satisfies a predetermined condition based on the remittance request information; a confirmation unit that, when the determination unit determines that the predetermined condition is satisfied, sends confirmation request information indicating information regarding a confirmation request as to whether or not to allow the remittance to be permitted, to a plurality of confirmers linked to the remittance sender; a remittance processing unit that sends to the financial institution system remittance approval information indicating information regarding whether or not to allow the financial institution system to execute the remittance by the remittance sender based on confirmation result information indicating information regarding the result of the confirmation by the confirmer of the confirmation request information; and a display control unit that sends to the plurality of confirmers information to cause the confirmation status of at least one of the plurality of confirmers regarding whether or not to allow the financial institution system to execute the remittance by the remittance by the remittance sender to be identifiably displayed on a screen.

[0007] An information processing method according to one aspect of the present invention includes the steps of: acquiring remittance request information indicating information regarding the remittance request by the remittance sender, the remittance request information being sent from a financial institution system that accepts a remittance request by the remittance sender; judging whether or not the information regarding the remittance sender satisfies a predetermined condition based on the remittance request information; if it is judged in the judging step that the predetermined condition is satisfied, sending to a plurality of confirmers linked to the remittance sender confirmation request information indicating information regarding a confirmation request as to whether or not to permit the remittance; sending to the financial institution system remittance approval information indicating information regarding whether or not to allow the financial institution system to execute the remittance by the remittance by the remittance sender based on confirmation result information indicating information regarding the result of the confirmation by the confirmers of the confirmation request information; and sending to the plurality of confirmers information for identifiably displaying on a screen the confirmation status of at least one of the plurality of confirmers regarding whether or not to allow the financial institution system to execute the remittance by the remittance by the remittance.

[0008] A program according to one aspect of the present invention causes a computer to: acquire remittance request information indicating information regarding the remittance request by the remittance sender, which is sent from a financial institution system that accepts a remittance request by the remittance sender; determine whether or not the information regarding the remittance sender satisfies a predetermined condition based on the remittance request information; if it is determined that the predetermined condition is satisfied, send confirmation request information indicating information regarding a confirmation request as to whether or not to allow the remittance to a plurality of confirmers linked to the remittance sender; send to the financial institution system remittance approval information indicating information regarding whether or not to allow the financial institution system to execute the remittance by the remittance by the remittance sender based on confirmation result information indicating information regarding the result of the confirmation by the confirmer of the confirmation request information regarding the remittance request by the remittance sender; and send to the plurality of confirmers information for identifiably displaying on a screen the confirmation status of at least one of the plurality of confirmers regarding whether or not to allow the financial institution system to execute the remittance by the remittance by the remittance. Effect of the Invention

[0009] According to the present invention, it is possible to provide a system that prevents remitter from becoming a victim of fraud based on objective judgment. [Brief description of the drawings]

[0010] [Figure 1] FIG. 1 is a diagram illustrating an example of the configuration of a fraud prevention system. [Diagram 2] FIG. 2 is a diagram showing an overview of the processing of the fraud prevention system. [Diagram 3] FIG. 2 is a diagram illustrating an example of a functional configuration of a financial institution system. [Figure 4] A diagram showing an example of the functional configuration of a fraud determination server. [Diagram 5] FIG. 2 is a diagram illustrating an example of a data structure of subject information. [Figure 6] FIG. 2 is a diagram showing an example of a data structure of remitter information. [Figure 7] FIG. 13 is a diagram illustrating an example of a data structure of confirmer information. [Figure 8] FIG. 4 is a diagram illustrating an example of a data structure of screen information. [Figure 9] FIG. 13 illustrates an example of a confirmation request screen. [Figure 10] FIG. 11 is a diagram showing another example of a confirmation request screen. [Figure 11] FIG. 13 is a diagram showing an example of a result notification screen. [Figure 12] FIG. 2 illustrates an example of a functional configuration of a terminal device. [Figure 13] A flow chart showing an example of the processing of the fraud determination system. [Figure 14] A figure showing another example of the functional configuration of the fraud determination server. [Figure 15] FIG. 2 illustrates an example of a hardware configuration of a computer. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Below, a fraud prevention system 1 according to one embodiment of the present invention will be described in detail with reference to the drawings. However, the embodiment described below is merely an example, and is not intended to exclude the application of various modifications or techniques not explicitly described below. In other words, the present invention can be implemented by modifying it in various ways or combining each embodiment within the scope of the gist of the invention. Also, in the following description of the drawings, the same or similar parts are denoted by the same or similar symbols. ===Fraud Prevention System 1 Configuration Overview===

[0012] The fraud prevention system 1 is a system that prevents remittance by fraudulent remittance by a remitter. For example, when the remitter applies for a remittance procedure, the fraud prevention system 1 transmits the details of the remittance procedure of the remitter to a verifier. The fraud prevention system 1 executes or rejects the remittance procedure of the remitter depending on the result of the verifier checking the details of the remittance procedure. In this way, the fraud prevention system 1 can obtain a third party's confirmation when the remitter remits money, thereby preventing damage from fraud. Here, remittance refers to the act of moving money from the remitter to a specified person, and may include, for example, a transfer in which money is moved from the remitter's bank account to the specified person's bank account. The remitter is, for example, a person who remits money to a specified person via a mobile terminal (for example, a smartphone) or an ATM. The verifier is, for example, a person preset in the fraud prevention system 1, such as a relative or friend of the remitter.

[0013] First, the configuration of the fraud prevention system 1 will be described with reference to FIG. 1. FIG. 1 is a diagram showing an example of the configuration of the fraud prevention system 1. As shown in FIG. 1, the fraud prevention system 1 includes, for example, a financial institution system 10, a fraud determination server 20, a verifier's terminal device 30, and a remittance terminal device 40. In the fraud prevention system 1, the function of a certain component may be possessed by another component. For example, the fraud determination server 20 may have all or part of the functions of the financial institution system 10. In the fraud prevention system 1, the financial institution system 10, the fraud determination server 20, the verifier's terminal device 30, and the remittance terminal device 40 are each connected to be able to communicate with each other via a network 50. Each component of the fraud prevention system 1 will be described below.

[0014] The financial institution system 10 is a system that accepts a remitter's request for remittance procedures. Specifically, the financial institution system 10 obtains information related to the remitter's request for remittance procedures (hereinafter referred to as "remittance request information") from the remittance terminal device 40. The remittance request information may include, for example, the remitter's account name, the remitter's account number, the remittee's name, the remittee's account number, and information related to the remittance amount. The financial institution system 10 is composed of, for example, an information processing device such as a server computer. The financial institution system 10 may also include an ATM. The financial institution system 10 is connected to the fraud determination server 20 via a network 50, and transmits and receives various information to and from the fraud determination server 20.

[0015] The fraud determination server 20 obtains remittance request information from the financial institution system 10. For example, based on the remittance request information, the fraud determination server 20 determines whether to send information for requesting the verifier to confirm whether or not to permit the remitter's remittance procedure (hereinafter referred to as "confirmation request information") to the verifier's terminal device 30. The fraud determination server 20 then obtains information relating to the result of the confirmation by the verifier from the verifier's terminal device 30 (hereinafter referred to as "confirmation result information"). Furthermore, based on the confirmation result information, the fraud determination server 20 transmits information relating to whether or not to permit the remitter's remittance procedure to be carried out (hereinafter referred to as "remittance approval / disapproval information") to the financial institution system 10. Note that, in the following, information of the confirmation result information indicating that the verifier has approved the remitter's remittance procedure will be described as "approval result information" and information indicating that the verifier has rejected the remitter's remittance procedure will be described as "rejection result information." In addition, among the remittance approval / disapproval information, information that causes the financial institution system 10 to execute the remittance procedure of the remitter is described as "remittance execution information," and information that causes the financial institution system 10 to reject the remitter's remittance procedure is described as "remittance rejection information."

[0016] The terminal device 30 is a terminal carried by the verifyer. The terminal device 30 may be, for example, a smartphone, a notebook computer, or a desktop computer. The terminal device 30 transmits and receives various information to and from the fraud determination server 20 via the network 50. The terminal device 30 accepts operational input from the verifyer by displaying various information on the display device 107 (see FIG. 15). Note that the terminal device 30 may be made up of multiple terminal devices 30. In other words, the fraud prevention system 1 may be configured to obtain verification result information on the remitter's remittance procedure from multiple terminal devices 30.

[0017] The terminal device 40 is, for example, a mobile terminal of the remitter or an ATM of a financial institution. The terminal device 40 transmits and receives various information to and from the financial institution system 10 and the fraud determination server 20 via the network 50. === Fraud Prevention System 1 Processing Overview ===

[0018] An overview of the processing of the fraud prevention system 1 will be described with reference to Fig. 2. Fig. 2 is a diagram showing an overview of the processing of the fraud prevention system 1. In Fig. 2, as an example, an overview of the processing from when a remitter applies for a remittance procedure to when a verifyer rejects the remitter's remittance procedure will be described.

[0019] First, in step S10, the remittance terminal device 40 generates remittance request information in response to operational input by the remitter. The remittance terminal device 40 transmits the remittance request information to the fraud determination server 20.

[0020] Next, in step S11, the financial institution system 10 acquires remittance request information. The financial institution system 10 identifies the remitter from the remittance request information. In step S12, the financial institution system 10, for example, refers to a predetermined data table to determine whether the identified remitter is a person who requires the permission of a verifier. If the financial institution system 10 determines that the remitter is not a person who requires the permission of a verifier (step S12: NO), it executes the remittance procedure for the remitter (step S17). If the financial institution system 10 determines that the remitter is a person who requires the permission of a verifier (step S12: YES), it transmits the remittance request information to the fraud determination server 20.

[0021] Next, in step S13, the fraud determination server 20 acquires the remittance request information. Based on the remittance request information, the fraud determination server 20 determines whether the remitter meets predetermined conditions. The predetermined conditions are described below. If the fraud determination server 20 determines that the remitter does not meet the predetermined conditions (step S13: not met), it sends remittance execution information to the financial institution system 10. In this case, in step S17, the financial institution system 10 executes the remittance procedure for the remitter. If the fraud determination server 20 determines that the remitter meets the predetermined conditions (step S13: met), it sends confirmation request information to the confirmer's terminal device 30 (step S14).

[0022] Next, in step S15, the terminal device 30 displays a screen regarding the confirmation request (hereinafter referred to as the "confirmation request screen") on the display device 107 based on the confirmation request information. The confirmation request screen will be described later. The terminal device 30 acquires confirmation result information in response to operational input by the checker on the confirmation request screen. The terminal device 30 transmits the confirmation result information to the fraud determination server 20.

[0023] Next, in step S16, for example, if the fraud determination server 20 obtains rejection result information indicating that the remittance procedure is rejected, it may transmit remittance rejection information indicating that the remittance procedure of the remittance is rejected to the financial institution system 10. In this case, in step S18, the financial institution system 10 rejects the remittance procedure of the remittance of the remittance. Note that in step S16, for example, if the fraud determination server 20 obtains permission decision information indicating that the remittance procedure is permitted, it may transmit remittance permission information indicating that the remittance procedure of the remittance of the remittance is permitted to the financial institution system 10. In this case, in step S18, the financial institution system 10 executes the remittance procedure of the remittance ... ===Functional configuration of fraud prevention system 1===

[0024] Next, the functions of the financial institution system 10, the fraud determination server 20, the verifying person's terminal device 30, and the remittance terminal device 40 in the fraud prevention system 1 will be described. <<Financial institution system 10>>

[0025] First, the functional configuration of the financial institution system 10 will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the functional configuration of the financial institution system 10. As shown in Fig. 3, the financial institution system 10 has the functions of a memory unit 11, a transmission / reception unit 12, a determination unit 13, and a remittance execution unit 14. Each function is realized by a processor 101 shown in Fig. 15 reading and executing a computer program stored in a storage device 103, and controlling each component of the financial institution system 10.

[0026] The storage unit 11 may include, for example, subject information 11a. The subject information 11a stores data on subjects who, among remittance senders, need to obtain permission from a verifier to remit money. FIG. 4 is a diagram showing an example of the data structure of the subject information 11a. As shown in FIG. 4, the data structure of the subject information 11a is a collection of records including data such as an account number and an account name, with an appropriate item such as a subject ID as a primary key. The contents of the subject information 11a are set in the financial institution system 10 in response to a request from a verifier. The subject ID is an identification code that identifies a subject who needs to obtain permission from a verifier. The account number is the account number of the subject. The account name is the account name of the subject.

[0027] The transmitter / receiver unit 12 transmits and receives various information between the remittance terminal device 40, the verifying party's terminal device 30, and the fraud determination server 20.

[0028] The determination unit 13 determines whether the remitter is a target person by referring to the target person information 11a. Specifically, the determination unit 13 compares, for example, the account number and account name of the remitter included in the remittance request information with the account number and account name entered in the target person information 11a, and if they match, determines that the remitter is a target person.

[0029] The remittance execution unit 14 executes the remittance procedure of the remitter, for example, when the determination unit 13 determines that the remitter is not an eligible person. The remittance execution unit 14 may also execute the remittance procedure of the remitter, for example, when it acquires remittance execution information from the fraud determination server 20. The remittance execution unit 14 may also reject the remittance procedure of the remitter, for example, when it acquires remittance rejection information from the fraud determination server 20. <<Fraud Judgment Server 20>>

[0030] Next, the functional configuration of the fraud determination server 20 will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the functional configuration of the fraud determination server 20. As shown in Fig. 5, the fraud determination server 20 has the functions of a memory unit 21, an acquisition unit 22, a condition determination unit 23, a confirmation unit 24, a display control unit 25, and a remittance processing unit 26. Each function is realized by the processor 101 shown in Fig. 15 reading and executing a computer program stored in the storage device 103, and controlling each component of the fraud determination server 20.

[0031] The storage unit 21 has, for example, remitter information 21a, checker information 21b, and screen information 21c. The data structures of the remitter information 21a, checker information 21b, and screen information 21c will be described with reference to Figs. 6, 7, and 8. Fig. 6 is a diagram showing an example of the data structure of the remitter information 21a. Fig. 7 is a diagram showing an example of the data structure of the checker information 21b. Fig. 8 is a diagram showing an example of the data structure of the screen information 21c.

[0032] The remitter information 21a stores data on the remitter who is confirmed by the verifier. As shown in FIG. 6, the data structure of the remitter information 21a is, for example, a collection of records including data such as the target ID, the verifier ID, and remittance history, with an appropriate item such as the remitter ID as a primary key. The contents of the remitter information 21a may be set in the fraud determination server 20, for example, at the request of the verifier. The remitter ID is an identification code that identifies the remitter. The target ID corresponds to the target ID in the target information 11a. The verifier ID is an identification code that identifies the verifier who confirms the remittance procedure of the remitter. Note that, when multiple verifiers are used for confirmation, multiple verifier IDs may be associated with one remitter ID. The remittance history is information on the name and account number of the remittance destination to which the remitter has previously remitted money. The remittance history may be information obtained from the financial institution system 10 through, for example, an API (Application Programming Interface).

[0033] The verifier information 21b stores data related to the verifier. As shown in FIG. 7, the data structure of the verifier information 21b is, for example, a collection of records containing data such as a device ID, email address, and telephone number, with an appropriate item such as the verifier ID as a primary key. The contents of the verifier information 21b are set in the fraud determination server 20 at the request of the verifier. The verifier ID is an identification code corresponding to the verifier ID in the remitter information 21a. The device ID is an identification code that identifies the terminal device 30 of the verifier. The email address is an email address held by the verifier. The telephone number is a telephone number set in the terminal device 30 of the verifier.

[0034] The screen information 21c stores information about various screens to be displayed on the display device 107 of the terminal device 30 of the checker. The various screens will be described later. As shown in FIG. 8, the data structure of the screen information 21c is, for example, a collection of records including screen data with an appropriate item such as a screen ID as a primary key. The screen ID is an identification code that identifies the screen. The screen data is information about a screen to be displayed on the display device 107 of the terminal device 30 of the checker.

[0035] The acquisition unit 22 acquires various information from the remittance terminal device 40 , the verifying party's terminal device 30 , and the fraud determination server 20 .

[0036] The condition determination unit 23 determines whether or not the remitter satisfies predetermined conditions based on the remittance request information acquired from the financial institution system 10. The process of the condition determination unit 23 will be described in detail below.

[0037] The condition determination unit 23 may, for example, determine whether the remittance destination is a first remittance destination to which the remitter has made a remittance based on the remittance request information (hereinafter referred to as the "first determination process"). That is, the condition determination unit 23 determines that confirmation by a verifying person is required when the remitter remits to a party to which the remitter has not made a remittance before. Specifically, the condition determination unit 23 collates information on the name and account number of the remittance destination in the remittance request information with information on the name and account number of the remittance destination in the remitter information 21a. If the condition determination unit 23 determines that the remittance destination is a remittance destination to which the remitter has made a remittance before as a result of the collation, it determines that the predetermined condition is not satisfied. On the other hand, if the condition determination unit 23 determines that the remittance destination is a remittance destination to which the remitter has not made a remittance before as a result of the collation, it determines that the predetermined condition is satisfied. In this way, the fraud determination server 20 can appropriately determine remittance procedures that are likely to be fraudulent by grasping the characteristic that in fraud, the remittance destination to which the remittance is made is often a first remittance destination.

[0038] The condition determination unit 23 may also determine whether or not the remittance amount by the remitter is equal to or greater than a predetermined amount, for example, based on the remittance request information (hereinafter referred to as the "second determination process"). That is, the condition determination unit 23 determines that the remitter needs to obtain the verifier's permission when remitting an amount that the remitter does not normally remit. Specifically, the condition determination unit 23 identifies information related to the remittance amount in the remittance request information. The condition determination unit 23 compares the remittance amount with a preset amount. If the condition determination unit 23 determines that the remittance amount is smaller than the preset amount as a result of the comparison, it determines that the predetermined condition is not satisfied. On the other hand, if the condition determination unit 23 determines that the remittance amount is equal to or greater than the preset amount as a result of the comparison, it determines that the predetermined condition is satisfied. In this way, the fraud determination server 20 can properly determine remittance procedures that are likely to be fraudulent, based on the characteristic that the remittance amount is often large in fraudulent cases.

[0039] The condition determination unit 23 may also determine whether or not the telephone number to which the remitter received a call within a predetermined period of time is included in the telephone numbers registered by the remitter, for example, based on the number comparison information (hereinafter referred to as the "third determination process"). That is, the condition determination unit 23 determines that the remitter needs to obtain the verifier's permission when the terminal device 40 receives a call from a telephone number unknown to the remitter within a predetermined period of time from the time of the remittance procedure. The number comparison information is information on the result of comparing the registered number information with the called number information in the terminal device 40. Here, the registered number information is, for example, information on the telephone number registered in the terminal device 40. Also, the called number information is, for example, information on the telephone number to which the terminal device 40 received a call. The number comparison information may be, for example, information acquired by an application installed in the terminal device 40. The number comparison information may be, for example, information included in the confirmation request information. Also, the number comparison information may include information on the time when the call was received from a telephone number unknown to the remitter (hereinafter referred to as the "time information"). The condition determination unit 23 may determine whether or not the call is within a predetermined period of time, for example, based on the time information. The condition determination unit 23 may also determine whether or not the call is within a predetermined period based on time information about the time when the number comparison information was acquired. This allows the fraud determination server 20 to properly determine which remittance procedures are likely to be fraudulent, based on the characteristic that fraud often involves calls from phone numbers not registered in the phone book.

[0040] Furthermore, in addition to the third judgment process, the condition judgment unit 23 may further judge whether the remitter responded to a telephone number that is not registered, based on the response history information (hereinafter referred to as the "fourth judgment process"). The response history information is, for example, information on the response records to telephone numbers to which the remitter has received an incoming call. The response history information may be, for example, information acquired by an application installed in the terminal device 40. The response history information may be, for example, information included in the confirmation request information. That is, the condition judgment unit 23 judges that it is necessary to obtain the permission of the verifier when the remitter receives an incoming call from a telephone number that the remitter does not recognize and the remitter responds to the call. In this way, the fraud judgment server 20 can appropriately determine which remittance procedures are likely to be fraudulent, based on the characteristic that in fraud cases, an incoming call is received from a telephone number that is not registered in the telephone book and the remitter often responds to the call.

[0041] The condition determination unit 23 may perform a determination by any combination of the above-mentioned first, second, third, and fourth determination processes. Specifically, as an example, the condition determination unit 23 may determine whether or not the remittance destination is a remittance destination to which the remittance sender has made a remittance for the first time based on the remittance request information (first determination process), and determine whether or not the remittance amount by the remittance sender is a predetermined amount or more (second determination process). In this case, when the condition determination unit 23 determines that the remittance destination is a remittance destination to which the remittance sender has not made a remittance in the past and that the remittance amount is a predetermined amount or more, it determines that the predetermined condition is satisfied. As an example, the condition determination unit 23 may determine whether the remittance destination is the first remittance destination for the remitter based on the remittance request information (first determination process), determine whether the remittance amount by the remitter is equal to or greater than a predetermined amount (second determination process), and determine whether the telephone number to which the remitter has received a call within a predetermined period is included in the telephone numbers registered by the remitter based on the number comparison information (third determination process). In this case, the condition determination unit 23 determines that the predetermined condition is satisfied when it determines that the remittance destination is a remittance destination to which the remitter has not previously received a remittance, determines that the remittance amount is equal to or greater than a preset amount, and determines that the telephone number to which the remitter has received a call within a predetermined period is not included in the registered telephone numbers. In this way, the fraud determination server 20 can appropriately distinguish frauds of various types by combining various determination processes, and therefore can appropriately determine remittance procedures that are likely to be fraudulent. It should be noted that the condition determination unit 23 may combine the first determination process and the second determination process when the terminal device 40 is an ATM, for example.

[0042] If the condition determination unit 23 determines that the predetermined condition is met, the confirmation unit 24 refers to the remitter information 21a and transmits confirmation request information to the confirmer associated with the remitter.

[0043] The display control unit 25 generates information about various screens to be displayed on the display device 107 of the terminal device 30 and the terminal device 40. Hereinafter, an example of a screen generated by the display control unit 25 will be described with reference to Figs. 9, 10, and 11. Fig. 9 is a diagram showing an example of a confirmation request screen T1. Fig. 10 is a diagram showing another example of a confirmation request screen T2. ​​Fig. 11 is a diagram showing an example of a result notification screen T3.

[0044] As shown in FIG. 9, the display control unit 25 may generate information on a confirmation request screen T1 to be displayed on the display device 107 of the terminal device 30 of the confirmer. Specifically, the confirmation request screen T1 may include, for example, a remitter T11, a remittance account number T12, a remittance account name T13, a remittance amount T14, a confirmation reason T15, a reject button T16, and an allow button T17. The remitter T12 is, for example, an area where the account name (name) of the remitter is displayed. The remittance account number T12 is, for example, an area where the remittance account number of the remittance destination is displayed. The remittance account name T13 is, for example, an area where the remittance destination account name is displayed. The remittance amount T14 is, for example, an area where the amount remitted by the remitter to the remittance destination is displayed. The confirmation reason T15 is, for example, an area where the content determined to satisfy a predetermined condition by the condition determination unit 23 is displayed. Displaying the verification reason T15 allows the verifyer to properly grasp the situation of the remitter, enabling the verifyer to make a quick decision. The Reject button T16 is a button for sending rejection result information to the fraud determination server 20 when operational input from the verifyer is accepted. The Allow button T17 is a button for sending approval result information to the fraud determination server 20 when operational input from the verifyer is accepted.

[0045] As shown in FIG. 10, the display control unit 25 may generate information about a confirmation request screen T2 to be displayed on the display device 107 of the terminal device 30 of the confirmer. The confirmation request screen T2 is a screen that identifiably displays the confirmation statuses of multiple confirmers. Specifically, the confirmation request screen T2 includes, for example, a confirmation status T28 in addition to the components of the confirmation request screen T1. The confirmation status T28 is an area that displays the confirmation status of each confirmer when, for example, confirmation request information is sent to multiple confirmers. Note that the confirmation information T28 may display the confirmation status of at least one confirmer among the multiple confirmers. The confirmation status T28 may include, for example, a name T281 and a status T282. The name T281 is an area that displays the name of the confirmer. The status T282 is an area that displays the permission status. This allows the confirmer to know whether the other confirmers have permitted or rejected the request, and also allows the confirmer to know which confirmers have confirmed the request, so that the confirmer who has understood the information can make a more appropriate decision.

[0046] As shown in FIG. 11, the display control unit 25 may generate information about the result notification screen T3 to be displayed on the display device 107 of the remitter's terminal device 40 (here, for example, a smartphone). The fraud determination server 20 transmits information about the result notification screen T3 to the terminal device 40 after, for example, confirmation by the verifier. The result notification screen T3 is a screen that displays the confirmation result of the verifier. Specifically, the result notification screen T3 may include, for example, a remittance result T31, a verifier T32, and a verifier contact button T33. The remittance result T31 is an area that displays, for example, the result of approval or rejection of the remittance procedure. The verifier T32 is an area that displays, for example, the name of the verifier who confirmed the remittance procedure. The verifier contact button T33 is, for example, a button for contacting the verifier who confirmed the remittance procedure. The verifier contact button T33 may be a button for causing the processor 101 of the terminal device 40 to execute a process of contacting the verifier's telephone number or a process of transitioning to an e-mail sending screen when an operational input from the remitter is accepted. By displaying the confirmation request screen T2, the remitter can know whether the remittance procedure has been carried out or rejected, and can quickly confirm with the verifier if it has been rejected, thereby preventing the remitter from carrying out a fraudulent remittance procedure in the future.

[0047] The remittance processing unit 26 transmits remittance permission / rejection information (remittance execution information or remittance rejection information) to the financial institution system 10 based on the confirmation result information acquired from the terminal device 30 of the verifier. Specifically, for example, when the remittance processing unit 26 acquires permission result information from the terminal device 30 of the verifier, the remittance processing unit 26 may transmit remittance execution information to the financial institution system 10. Also, for example, when the remittance processing unit 26 acquires confirmation result information from multiple terminal devices 30 of the verifiers and all of the confirmation result information is permission result information, the remittance processing unit 26 may transmit remittance execution information to the financial institution system 10. Also, when the remittance processing unit 26 acquires confirmation result information from multiple terminal devices 30 of the verifiers and acquires permission result information from at least one of the terminal devices 30, the remittance processing unit 26 may transmit remittance execution information to the financial institution system 10. Also, when the remittance processing unit 26 acquires confirmation result information from multiple terminal devices 30 of the verifiers and acquires rejection result information from at least one of the terminal devices 30, the remittance processing unit 26 may transmit remittance rejection information to the financial institution system 10. As a result, the financial institution system 10 executes a process for the remitter's remittance procedure according to the remittance approval information. <<Terminal Devices 30, 40>>

[0048] Next, the functional configuration of the terminal device 30 will be described with reference to FIG. 12. Note that the terminal device 40 has the same configuration as the terminal device 30, and the description thereof will be omitted. FIG. 12 is a diagram showing an example of the functional configuration of the terminal device 30. As shown in FIG. 12, the terminal device 30 has the functions of an input unit 31, a transmission / reception unit 32, a display control unit 33, and an information generation unit 34. The functions of the terminal device 30 are realized by the processor 101 shown in FIG. 15 reading and executing a computer program stored in the storage device 103, and controlling each configuration of the terminal device 30. The input unit 41 accepts input of various data in response to, for example, an operation input to the terminal device 30 by a verifying person. The transmission / reception unit 42 transmits and receives various information to and from other devices. The display control unit 33 displays a screen acquired from the fraud determination server 20 on the display device 107. The information generation unit 34 transmits, for example, number comparison information regarding the result of comparing the registration number information and the incoming number information to the fraud determination server 20. ===Fraud Prevention System 1 Processing Procedure===

[0049] Next, the processing procedure of the fraud prevention system 1 will be described with reference to Fig. 13. Fig. 13 is a flow diagram showing an example of processing of the fraud prevention system 1. Note that Fig. 13 shows, as an example, the processing procedure from when the fraud determination server 20 acquires remittance request information from the remittance terminal device 40 to when the fraud determination server 20 transmits remittance approval / disapproval information to the financial institution system 10.

[0050] In the following, as an example, terminal device 30 and terminal device 40 are described as smartphones, the remitter is remitter A, the remittance destination is remittance destination B, and the checkers are checkers C, D, and E.

[0051] In the following, as an example, the remittance request information will be described as including, for example, information relating to remitter A's account name A, remitter A's account number 01234, remittance destination B's account name B, remittance destination B's account number 12345, and the remittance amount of 2,000,000 yen, number comparison information (here, referred to as "information indicating that the numbers do not match"), and response history information (here, referred to as "information indicating that a response has been made").

[0052] In the following, as an example, the fraud determination server 20 is described as sending confirmation request information to the verifyer when all of the conditions in the first determination process, the second determination process, the third determination process, and the fourth determination process are satisfied. However, the fraud prevention system 1 may also send confirmation request information to the verifyer when the conditions in at least one of the first determination process, the second determination process, the third determination process, and the fourth determination process are satisfied.

[0053] First, in step S100 , fraud determination server 20 acquires remittance request information from financial institution system 10 .

[0054] Next, in step S101, fraud detection server 20 executes a first detection process based on the remittance request information. As a specific example, fraud detection server 20 compares, for example, the remittance destination account number 12345 included in the remittance request information with the remittance destination account number to which the remitter has previously remitted, obtained from the remittance history of remitter information 21a. Here, fraud detection server 20 determines, as a result of the comparison, that the remittance destination account number 12345 is not included in the remittance history (step S101: YES).

[0055] Next, in step S102, fraud determination server 20 executes a second determination process based on the remittance request information. As a specific example, fraud determination server 20 compares the remittance amount of 2,000,000 yen included in the remittance request information with a preset amount (100,000 yen in this case). Here, as a result of the comparison, fraud determination server 20 determines that the remittance amount is greater than the preset amount (step S102: YES).

[0056] Next, in step S103, the fraud determination server 20 executes a third determination process based on the number comparison information. As a specific example, the fraud determination server 20 determines that the number comparison information includes "information indicating that the numbers do not match." In other words, the fraud determination server 20 determines that the remitter received a call from an unregistered phone number. In addition, the fraud determination server 20 determines that the time indicated by the time information (here, 11:11 on Jan. 1, 2021) to the time the remitter performed the remittance procedure (here, 12:11 on Jan. 1, 2021) is within a predetermined time (here, within two hours). Therefore, the fraud determination server 20 determines that the remitter received a call from an unregistered phone number within the predetermined time (step S103: YES).

[0057] Next, in step S104, fraud determination server 20 executes a fourth determination process based on the response history information. Specifically, if fraud determination server 20 determines that the number comparison information contains "information indicating that the numbers do not match," it identifies "information indicating that the remitter has responded" to a phone number that is not registered. Here, fraud determination server 20 determines that the remitter responded to an incoming call from an unregistered phone number (step S104: YES).

[0058] Next, in step S105, fraud determination server 20 transmits confirmation request information to confirmers C, D, and E if the conditions of the determination processes in steps S101 to S104 are met.

[0059] Next, in step S106, the terminal device 30 displays a confirmation request screen T1 (see FIG. 9) or a confirmation request screen T2 (see FIG. 10) on the display device 107 based on the confirmation request information. Note that the terminal device 30 may display the confirmation request screen T1 or T2 on a browser, or may display the confirmation request screen T1 or T2 by push notification based on the device ID through a predetermined application.

[0060] Next, in step S107, upon receiving operational input from the verifier, the terminal device 30 transmits confirmation result information to the fraud determination server 20. As a specific example, when the terminal device 30 receives operational input from the verifier for the permission button T17 or T27, it transmits permission result information to the fraud determination server 20. On the other hand, when the terminal device 30 receives operational input from the verifier for the rejection button T16 or T26, it transmits rejection result information to the fraud determination server 20.

[0061] Next, in step S108, the fraud determination server 20 determines whether or not each of the verifyers has rejected the remitter's remittance procedure based on the verification result information. As a specific example, if the fraud determination server 20 obtains rejection result information from at least one of the terminal devices 30 of the verifyers C, D, and E, it may send remittance rejection information to the financial institution system 10 (step S108: YES, step S109). Furthermore, if the fraud determination server 20 obtains permission result information from all of the multiple terminal devices 30, it may send remittance execution information to the financial institution system 10 (step S108: NO, step S110). === Variations ===

[0062] A modified example of the fraud determination server 20 will be described with reference to Figure 14. Figure 14 is a diagram showing another example of the functional configuration of the fraud determination server 20. As shown in Figure 14, the fraud determination server 20 may further have the functions of a setting unit 27 and an identity determination unit 28.

[0063] The setting unit 27 sets priorities for multiple verifiers. As an example, when the condition determination unit 23 determines that the remitter meets a predetermined condition, the fraud determination server 20 may transmit remittance approval / disapproval information to the financial institution system based on the confirmation result information transmitted from the terminal device 30 of the verifier set to a high priority by the setting unit 27. Specifically, when the fraud determination server 20 obtains approval result information from the verifier with the first priority and rejection result information from the verifier with the second priority, it may transmit the approval result information to the financial institution system 10. This makes it possible to quickly determine a judgment on the remittance procedure when multiple verifiers give different judgments.

[0064] As another example, when the condition determination unit 23 determines that the remitter meets a predetermined condition, the fraud determination server 20 may transmit confirmation request information to the verifiers in the order of priority set for the verifiers in the setting unit 27. Specifically, the fraud determination server 20 transmits confirmation request information to the verifier with the first priority. If the verifier with the first priority does not transmit confirmation result information within a predetermined period of time, the fraud determination server 20 transmits confirmation request information to the verifier with the second priority. In this way, the fraud determination server 20 transmits confirmation request information in the order of priority until it obtains confirmation result information from the verifier. In this way, if a judgment by one verifier is delayed, another verifier will make the judgment, thereby preventing delays in the remittance procedure while avoiding fraud damage.

[0065] As another example, the fraud determination server 20 may display the checkers in the confirmation status T28 of the confirmation request screen T2 in descending order of priority set in the setting unit 27. Alternatively, only the checker set with the highest priority in the setting unit 27 may be displayed in the confirmation status T28 of the confirmation request screen T2. ​​This allows the checker with the highest priority to know whether the checker has granted or denied the request, allowing the checker who has been informed of this to make a more appropriate decision.

[0066] The identity determination unit 28 performs identity verification of the verifyer based on information capable of identifying the verifyer (hereinafter referred to as "personal identification information") transmitted from the terminal device 30 of the verifyer. Specifically, the terminal device 30 may instruct the verifyer to read personal identification information stored in a medium capable of identifying the verifyer, such as a My Number card, based on a request for identity verification transmitted from the fraud determination server 20. The terminal device 30 reads the personal identification information stored in the medium placed at a predetermined position, for example. The terminal device 30 transmits the personal identification information to the fraud determination server 20. The fraud determination server 20 may verify the legitimacy of the verifyer based on the personal identification information. When the legitimacy of the verifyer is verified, the fraud determination server 20 may transmit verification request information to the terminal device 30. This ensures the legitimacy of the verifyer, thereby more appropriately avoiding fraud damage.

[0067] The fraud prevention system 1 may also have a voice notification server. The voice notification server acquires confirmation request information from the fraud determination server 20. The voice notification server executes a voice notification by telephone to the terminal device 30 based on the confirmation request information. The voice notification server also converts voice data acquired from the confirmer through the terminal device 30 into text data. The voice notification server analyzes the text data to determine whether the confirmer has authorized or rejected the remitter's remittance procedure. The voice notification server transmits information related to the determination result to the fraud determination server 20. The fraud determination server 20 transmits confirmation result information to the financial institution system 10 based on the information related to the determination result. This improves the situation in which the confirmer does not notice the confirmation request information.

[0068] Furthermore, in the fraud prevention system 1, when the terminal device 40 is an ATM, the financial institution system 10 acquires remittance request information from the ATM. The condition determination unit 23 of the fraud determination server 20 may determine, based on the remittance request information, whether or not the remittance destination linked to the remitter's cash card includes a remittance destination in the remitter's remittance procedure. In this case, if the condition determination unit 23 determines that the remittance destination is not included, the confirmation unit 24 transmits confirmation request information to the terminal device 30. This makes it possible to appropriately avoid fraud damage even in remittance procedures via ATMs. ===Hardware Configuration===

[0069] The financial institution system 10 and fraud determination server 20 implementing the functionality of the above-described embodiments may be, for example, a server computer, a personal computer (e.g., desktop, laptop, tablet, etc.), a media computing platform (e.g., cable, satellite set-top box, digital video recorder), a handheld computing device (e.g., PDA, email client, etc.), or other type of computing or communications platform.

[0070] The terminal devices 30, 40 that realize the functions related to the above-mentioned embodiments may be, for example, a smartphone, a mobile phone (feature phone), a personal computer (e.g., a desktop, laptop, tablet, etc.), a media computer platform (e.g., a cable, satellite set-top box, digital video recorder), a handheld computer device (e.g., a PDA (Personal Digital Assistant), an email client, etc.), a wearable terminal (a glasses-type device, a watch-type device, etc.), another type of computer, or a communication platform.

[0071] 15, an example of a hardware configuration in which the financial institution system 10, the fraud determination server 20, and the terminal devices 30 and 40 are realized by a computer 100 will be described. Note that the functions of each device can also be realized by dividing them into multiple devices.

[0072] Fig. 15 is a diagram showing an example of a hardware configuration of a computer. As shown in Fig. 15, a computer 100 includes a processor 101, a memory 102, a storage device 103, an input I / F unit 104, a data I / F unit 105, a communication I / F unit 106, and a display device 107.

[0073] The processor 101 is a control unit that controls various processes in the computer 100 by executing programs stored in the memory 102 .

[0074] The memory 102 is a storage medium such as a RAM (Random Access Memory), etc. The memory 102 temporarily stores the program code of the program executed by the processor 101 and data required when the program is executed.

[0075] The storage device 103 is a non-volatile storage medium such as a hard disk drive (HDD), a flash memory, etc. The storage device 103 stores an operating system and various programs for implementing the above-mentioned configurations.

[0076] The input I / F unit 104 is a device for receiving input from a user. Specific examples of the input I / F unit 104 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, etc. The input I / F unit 104 may be connected to the computer 100 via an interface such as a USB (Universal Serial Bus).

[0077] The data I / F unit 105 is a device for inputting data from outside the computer 100. A specific example of the data I / F unit 105 is a drive device for reading data stored in various storage media. The data I / F unit 105 may be provided outside the computer 100. In that case, the data I / F unit 105 is connected to the computer 100 via an interface such as a USB.

[0078] The communication I / F unit 106 is a device for performing data communication via the Internet N, either wired or wirelessly, with an external device of the computer 100. The communication I / F unit 106 may be provided outside the computer 100. In that case, the communication I / F unit 106 is connected to the computer 100 via an interface such as a USB.

[0079] The display device 107 is a device for displaying various types of information. Specific examples of the display device 107 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 107 may be provided outside the computer 100. In that case, the display device 107 is connected to the computer 100 via, for example, a display cable. In addition, when a touch panel is adopted as the input I / F unit 104, the display device 107 can be configured integrally with the input I / F unit 104. ===Summary===

[0080] The fraud prevention system 1 of this embodiment includes an acquisition unit 22 that acquires remittance request information indicating information regarding the remittance request by the remitter, sent from the financial institution system 10 that accepts a remittance request by the remitter; a condition judgment unit 23 (judgment unit) that judges whether the information regarding the remitter satisfies a predetermined condition based on the remittance request information; a confirmation unit 24 that, when the condition judgment unit 23 (judgment unit) judges that the predetermined condition is satisfied, sends confirmation request information indicating information regarding a confirmation request as to whether or not to allow the remittance to multiple confirmers linked to the remitter; a remittance processing unit 26 that transmits remittance approval information to the financial institution system 10 indicating information regarding whether or not to allow the financial institution system 10 to execute the remittance by the remitter based on confirmation result information indicating information regarding the result of the confirmation made by the confirmers regarding the remittance request by the remitter in response to the confirmation request information; and a display control unit 25 that transmits information to the multiple confirmers to identifiably display on the screen the confirmation status of at least one of the multiple confirmers regarding whether or not to allow the financial institution system 10 to execute the remittance by the remitter. This makes it possible to prevent fraudulent damage to remittance recipients based on objective judgment. In addition, since it is possible to know whether other verifyers have approved or rejected the remittance, and to know which verifyers have already verified it, it is possible for the verifyers to more accurately determine whether the remittance procedure by the remittance recipient is correct.

[0081] The fraud prevention system 1 of this embodiment further includes a setting unit 27 that sets priorities for multiple verifyers, and the remittance processing unit 26 transmits remittance approval information to the financial institution system 10 based on the confirmation result information acquired from the verifyer with the highest priority among the confirmation result information acquired by the acquisition unit 22. This allows a decision on the remittance procedure to be quickly finalized when multiple verifyers give different judgments.

[0082] In the fraud prevention system 1 of this embodiment, when the condition determination unit 23 (determination unit) determines based on the remittance request information that the remittance destination of the remitter is a remittance destination to which the remitter is remitting for the first time, the confirmation unit 24 transmits confirmation request information to multiple confirmers. This allows the fraud determination server 20 to grasp the characteristic that in fraud cases, the remittance destination is often a remittance destination to which the remittance is remitted for the first time, and appropriately determine which remittance procedures are likely to be fraudulent.

[0083] In the fraud prevention system 1 of this embodiment, when the condition determination unit 23 (determination unit) determines based on the remittance request information that the remitter's remittance amount is equal to or exceeds a predetermined amount, the confirmation unit 24 transmits confirmation request information to multiple confirmers. This allows the fraud determination server 20 to recognize that fraudulent remittance amounts are often large, and appropriately determine which remittance procedures are likely to be fraudulent.

[0084] In the fraud prevention system 1 of this embodiment, the acquisition unit 22 acquires from the remitter number comparison information indicating information related to the result of comparing the telephone number registered by the remitter with the telephone number at which the remitter received a call, and the confirmation unit 24 transmits confirmation request information to multiple confirmers when the condition determination unit 23 (determination unit) determines based on the number comparison information that the telephone number at which the remitter received a call within a predetermined period of time is not included in the telephone numbers registered by the remitter. This allows the fraud determination server 20 to grasp the characteristic that fraud often involves calls from telephone numbers not registered in the telephone directory, and appropriately determine which remittance procedures are likely to be fraudulent.

[0085] In the fraud prevention system 1 of this embodiment, the acquisition unit 22 further acquires response history information indicating information regarding the response records to the telephone numbers received by the remitter, and the confirmation unit 24 transmits confirmation request information to multiple confirmers when the condition determination unit 23 (determination unit) determines, based on the number comparison information and the response history information, that the telephone number received by the remitter within a predetermined period of time is not included in the telephone numbers registered by the remitter and the remitter responded to a telephone number that is not registered. In this way, the fraud determination server 20 can grasp the characteristic that in fraud cases, there are calls from telephone numbers that are not registered in the telephone directory and that the remitter often responds to these calls, and appropriately determine which remittance procedures are likely to be fraudulent.

[0086] In the fraud prevention system 1 of this embodiment, the acquisition unit 22 acquires from the remitter number comparison information indicating information on the result of comparing the telephone number registered by the remitter with the telephone number received by the remitter, the condition determination unit 23 (determination unit) determines whether the remittance destination is the first remittance destination for the remitter based on the remittance request information, determines whether the remittance amount by the remitter is equal to or greater than a predetermined amount, and determines whether the telephone number received by the remitter within a predetermined period is included in the telephone numbers registered by the remitter based on the number comparison information, and the confirmation unit 24 transmits confirmation request information to multiple confirmers when the condition determination unit 23 (determination unit) determines that the remittance destination is the first remittance destination, that the remittance amount is equal to or greater than a predetermined amount, and that the telephone number received by the remitter within a predetermined period is not included in the telephone numbers registered by the remitter. In this way, the fraud determination server 20 can appropriately distinguish frauds of various types by combining various determination processes, and can appropriately distinguish remittance procedures that are highly likely to be fraudulent.

[0087] In the fraud prevention system 1 of this embodiment, the financial institution system 10 accepts a remittance request from a remitter via the remitter's mobile terminal. This makes it possible to prevent the remitter from becoming a victim of fraud based on objective judgment.

[0088] In the fraud prevention system 1 of this embodiment, the financial institution system 10 accepts a remittance request from a financial institution's ATM, and the confirmation unit 24 transmits confirmation request information when the condition determination unit 23 (determination unit) determines based on the remittance request information that the remittance destination (first remittance destination) linked to the remitter's cash card does not include the remittance destination (second remittance destination) in the remittance request by the remitter. This makes it possible to appropriately avoid fraud damage even in the remittance procedure via ATM. [Explanation of symbols]

[0089] 1...fraud prevention system, 10...financial institution system, 20...fraud determination server, 22...acquisition unit, 23...condition determination unit, 24...confirmation unit, 25...display control unit, 26...remittance processing unit, 27...setting unit, 28...identity determination unit, 30...terminal device, 40...terminal device.

Claims

1. Acquire remittance request information indicating information related to the remittance request of the remitter, the information being sent from a financial institution system that accepts the remittance request by the remitter; obtaining number comparison information from the remitter, the number indicating information related to a comparison between a telephone number registered by the remitter and a telephone number received by the remitter; an acquisition unit for acquiring response history information indicating information regarding a response record to a telephone number received by the remitter; a determination unit for determining, when the remittance request information is acquired, whether or not a call-receiving telephone number that is a telephone number that the remitter has received within a predetermined period of time is not included in the telephone numbers registered by the remitter and the remitter has responded to the call-receiving telephone number based on the number comparison information and the response history information; a confirmation unit that, when it is determined that the incoming telephone number is not included in the telephone numbers registered by the remitter and the remitter has responded to the incoming telephone number, transmits confirmation request information indicating information related to a confirmation request for whether or not to permit the remittance to a plurality of confirmers associated with the remitter; a remittance processing unit for transmitting remittance permission information to the financial institution system, the information indicating whether or not the remittance by the remitter should be executed by the financial institution system, based on confirmation result information indicating information regarding the result of confirmation by the verifier of the remittance request by the remitter in response to the confirmation request information; a display control unit that transmits to the plurality of verifyers information for displaying on a screen in a identifiable manner the verification status of at least one of the plurality of verifyers as to whether or not the remittance by the remitter should be executed by the financial institution system; An information processing system comprising:

2. A setting unit for setting priorities of the plurality of confirmers, The remittance processing unit transmits the remittance approval information to the financial institution system based on the confirmation result information acquired from the confirmer having the highest priority among the confirmation result information acquired by the acquisition unit. The information processing system according to claim 1 .

3. The determination unit further determines whether the remittance destination of the remitter is a remittance destination to which the remitter is making a first remittance; When it is determined that the remittance destination of the remitter is a first remittance destination, the confirmation unit transmits the confirmation request information to the plurality of confirmers.

3. The information processing system according to claim 1 or 2.

4. The determination unit further determines whether the remittance amount of the remitter is equal to or greater than a predetermined amount, the confirmation unit transmits the confirmation request information to the plurality of confirmers when it is determined that the remittance amount of the remitter is equal to or greater than a predetermined amount; 3. The information processing system according to claim 1 or 2.

5. The determination unit: The remitter further determines whether the remittance destination is a first-time remittance destination; further determining whether the amount of remittance by the remitter is equal to or greater than a predetermined amount; The confirmation unit, in the determination unit, It is determined that the remittance destination is a first-time remittance destination, The remittance amount is determined to be equal to or greater than a predetermined amount. transmit the confirmation request information to the plurality of confirmers.

3. The information processing system according to claim 1 or 2.

6. the financial institution system accepts a remittance request from the remitter via the remitter's mobile terminal; The information processing system according to any one of claims 1 to 5.

7. The financial institution system accepts a remittance request from the remitter through an ATM of the financial institution; when the determination unit further determines, based on the remittance request information, that a second remittance destination in the remittance request by the remitter is not included in a first remittance destination linked to the cash card of the remitter, the confirmation unit transmits the confirmation request information to a confirmer. The information processing system according to any one of claims 1 to 4.

8. The computer Acquire remittance request information indicating information related to the remittance request of the remitter, the information being sent from a financial institution system that accepts the remittance request by the remitter; obtaining number comparison information from the remitter, the number indicating information related to a comparison between a telephone number registered by the remitter and a telephone number received by the remitter; obtaining response history information indicating information regarding responses to the telephone number received by the remitter; when the remittance request information is acquired, determining whether or not a call-receiving telephone number, which is a telephone number to which the remitter has received a call within a predetermined period of time, is not included in the telephone numbers registered by the remitter and the remitter has responded to the call-receiving telephone number, based on the number comparison information and the response history information; sending confirmation request information indicating information related to a confirmation request for whether or not to allow the remittance to a plurality of confirmers associated with the remitter, if it is determined that the incoming telephone number is not included in the telephone numbers registered by the remitter and the remitter has responded to the incoming telephone number; sending, to the financial institution system, remittance permission information indicating whether or not the financial institution system should execute the remittance by the remitter based on confirmation result information indicating information regarding the result of the confirmation by the verifier regarding the remitter's remittance request in response to the confirmation request information; sending information to the plurality of verifyers to display on a screen a verification status of at least one of the plurality of verifyers as to whether or not the remittance by the remitter should be executed by the financial institution system in an identifiable manner; An information processing method for performing the above.

9. On the computer, Acquire remittance request information indicating information related to the remittance request of the remitter, the information being sent from a financial institution system that accepts the remittance request by the remitter; obtaining number comparison information from the remitter, the number indicating information related to a comparison between a telephone number registered by the remitter and a telephone number received by the remitter; obtaining response history information indicating information regarding responses to telephone numbers received by the remitter; When the remittance request information is acquired, based on the number comparison information and the response history information, determine whether an incoming telephone number, which is a telephone number to which the remitter has received a call within a predetermined period of time, is not included in the telephone numbers registered by the remitter, and whether the remitter has responded to the incoming telephone number; sending confirmation request information indicating information related to a confirmation request as to whether or not to permit the remittance to a plurality of confirmers associated with the remitter, if the called telephone number is not included in the telephone numbers registered by the remitter and it is determined that the remitter has responded to the called telephone number; transmitting remittance permission information, which indicates information regarding whether or not the financial institution system should execute the remittance by the remitter, to the financial institution system based on confirmation result information, which indicates information regarding the result of the confirmation by the verifier regarding the remitter's remittance request in response to the confirmation request information; transmitting information to the plurality of verifyers to display on a screen in a identifiable manner a verification status of at least one of the plurality of verifyers as to whether or not the remittance by the remitter should be executed by the financial institution system; A program that executes the following.

Images