Verification Terminal, Information Processing Method, Program, and Foreign Exchange System

Abstract

To provide a verify terminal, a method, a program, and an exchange system that improve both efficiency and robustness of a transfer operation.SOLUTION: An exchange system has a scanner and a business store terminal disposed in a business store, an exchange server disposed in a centralized center, an entry terminal, a verify terminal, an approval terminal, a communication gateway, and a host, wherein the business store and the centralized center are connected via a network. The verify terminal 27 includes: an acquisition unit 273 for acquiring entry data that are a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a modification result of the character recognition result; and an important item determination unit (processing unit 274) for determining an important item in which an input by a verifier is required among the plurality of items, on the basis of the entry data corresponding to a predetermined item among the plurality of items.SELECTED DRAWING: Figure 8

Description

Technical Field

[0001] The present invention relates to a verification terminal, Information processing a method, a program, and a foreign exchange system.

Background Art

[0002] In financial institutions, transfer processing is performed by the cooperation of branch offices and centralized centers. For example, when a requester visits a branch office of a financial institution, fills in the necessary items in a predetermined transfer request form, and submits the transfer request form to the counter, the transfer request form is read by the scanner of the counter reception terminal, and the transfer data obtained by the reading is transmitted to the centralized center. Then, a remittance message is generated based on the transfer data at the centralized center, and the remittance is executed by transmitting the remittance message to the host.

[0003] Furthermore, the transfer request form includes a plurality of items, and character recognition is performed on the image data of the transfer request form by the scanner of the reception terminal, whereby character recognition results corresponding to each of the plurality of items are obtained. The transfer data including such character recognition results is transmitted from the counter reception terminal at the counter to the centralized center. At the centralized center, the first operator visually checks the images of each of the plurality of items and corrects the character recognition results corresponding to each of the plurality of items as necessary. The character recognition result or the corrected result of the character recognition result is transmitted to the foreign exchange server as entry data.

[0004] Then, the second operator inputs data corresponding to the items separately from the entry data. Alternatively, the second operator modifies the entry data corresponding to the items. The data input by the second operator or the correction result of the entry data is transmitted to the foreign exchange server as verification data. In the foreign exchange server, it is determined whether the entry data and the verification data match. And when there is an item with a discrepancy between the entry data and the verification data, the third operator approves or rejects the verification data of the discrepant item.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] Items that require input by the second operator (hereinafter also referred to as "important items") are selected in the requirement definition at the time of system introduction. The selection of important items may vary depending on the financial institution, but generally, items that are particularly likely to have their character recognition results overlooked and have a significant impact among the transfer data are selected as important items. Generally, items such as "subject", "account number", and "transfer amount" are selected as important items.

[0007] On the other hand, it is common for the important items to be the same after the system is introduced. However, the efficiency and robustness of the transfer operation are in an inverse relationship depending on the number of important items. That is, if there are many important items, the robustness increases but the efficiency is impaired. Conversely, if there are few important items, the efficiency increases but the robustness is impaired. Despite the fact that there are cases where more importance is placed on efficiency and cases where more importance is placed on robustness, there has been a situation where it becomes difficult to achieve both an improvement in efficiency and robustness when the important items are made the same.

[0008] Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a novel and improved technology capable of achieving both improved efficiency and certainty in transfer operations.

Means for Solving the Problems

[0009] In order to solve the above problems, according to one aspect of the present invention, an acquisition unit that acquires entry data that is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result, and among the plurality of items, important items that require input by a verifier are determined based on the entry data corresponding to a predetermined item among the plurality of items. A verification terminal is provided that includes an important item determination unit. including the item of transfer amount based on the entry data corresponding to a predetermined item when the transfer amount is equal to or greater than the threshold value, increase the number of the important items as compared with the case where the transfer amount is less than the threshold value and an important item determination unit that determines. In addition, in order to solve the above problems, according to another aspect of the present invention, an acquisition unit that acquires entry data that is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result, and among the plurality of items, important items that require input by a verifier, based on the entry data corresponding to a predetermined item including at least one of the items of the name of the requester and the name of the recipient, when at least one of the name of the requester and the name of the recipient is registered in advance as a name of a person who requires attention, increase the number of the important items as compared with the case where it is not registered in advance as a name of a person who requires attention. A verification terminal including an important item determination unit for determining is provided

[0014] Also, in order to solve the above problems, according to another aspect of the present invention, acquiring entry data that is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result, and among the plurality of items, important items that require input by a verifier are determined based on the entry data corresponding to a predetermined item among the plurality of items. including the item of transfer amount based on the entry data corresponding to a predetermined item when the transfer amount is equal to or greater than the threshold value, increase the number of the important items as compared with the case where the transfer amount is less than the threshold value and determining, including: Information processing executed by a computer A method is provided.

[0015] Also, in order to solve the above problems, according to another aspect of the present invention, a computer is provided with an acquisition unit that acquires entry data that is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result, and among the plurality of items, important items that require input by a verifier are determined based on the entry data corresponding to a predetermined item among the plurality of items. including the item of transfer amount based on the entry data corresponding to a predetermined item when the transfer amount is equal to or greater than the threshold value, increase the number of the important items as compared with the case where the transfer amount is less than the threshold valueA program is provided that causes a verification terminal to function and includes a determination unit for determining important items.

[0016] Also, in order to solve the above problems, according to another aspect of the present invention, an acquisition unit that acquires entry data that is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result, and important items that require input by a verifier among the plurality of items are determined based on the entry data corresponding to a predetermined item among the plurality of items. including the item of transfer amount A foreign exchange system is provided that includes a determination unit for determining important items. when the transfer amount is equal to or greater than the threshold value, increase the number of the important items as compared with the case where the transfer amount is less than the threshold value

Advantages of the Invention

[0017] According to the present invention described above, it is possible to improve both the efficiency and reliability of transfer operations.

Brief Description of the Drawings

[0018]

Figure 1

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Figure 12

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Figure 14

Embodiments for Carrying Out the Invention

[0019] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

[0020] Also, in the present specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by attaching different alphabets after the same reference numeral. However, when it is not necessary to particularly distinguish each of a plurality of components having substantially the same functional configuration, only the same reference numeral is attached to each of the plurality of components.

[0021] <1. Overview of the Foreign Exchange System> Embodiments of the present invention relate to a foreign exchange system applied to financial institutions. First, with reference to FIGS. 1 to 5, an overview of the foreign exchange system according to the embodiments of the present invention will be described.

[0022] (Configuration) FIG. 1 is an explanatory diagram showing the configuration of a foreign exchange system according to an embodiment of the present invention. As shown in FIG. 1, the foreign exchange system 1 according to the embodiment of the present invention includes a configuration arranged at a business store, a configuration arranged at a central center, and a host 30. The business store and the central center are connected via a network. The configuration arranged at the business store includes a scanner 11 and a business store terminal 12. The configuration arranged at the central center includes a foreign 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.

[0023] The scanner 11 reads a document and recognizes the characters described in the document. For example, the scanner 11 reads and performs character recognition on a transfer request form filled with necessary items by the transfer requester. As a result, image data of the transfer request form and the character recognition result of the transfer request form are obtained. Here, a specific example of the transfer request form will be described with reference to FIG. 2.

[0024] 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 columns for each of a plurality of items. For example, the plurality of items include each item related to the requester (for example, requester's telephone number, requester's subject, requester's account number, requester's name, etc.), each item related to the recipient (for example, recipient's name, name of the receiving financial institution, name of the receiving branch, etc.), and the transfer amount, etc. In addition, the plurality of items may include a transfer designated date which is the transfer date. These plurality of items may include important items in the transfer operation (for example, requester's subject, requester's account number, transfer amount, etc.).

[0025] In addition, the transfer request form 40 includes a column regarding the fund availability status, which indicates whether it has been confirmed that the balance of the requester's account is equal to or greater than the amount required for the transfer at the time of the transfer request, and whether the amount required for the transfer has been secured (restrained). In the secured status where the amount required for the transfer has been secured, the secured fund mark column 42 is marked by the bank staff. In the unsecured status where the amount required for the transfer is unsecured, the unsecured fund mark column 43 is marked by the bank staff.

[0026] For example, the scanner 11 obtains character recognition results corresponding to each of a plurality of items by performing character recognition on the image data of the transfer request form 40. More specifically, the scanner 11 obtains the character recognition results corresponding to each item by performing character recognition on at least a part of the entry fields of each item of the image data of the transfer request form 40. The branch terminal 12 is a terminal used by bank staff engaged in counter services at the branch. The branch terminal 12 transmits the transfer data including the image data of the transfer request form 40 obtained by the scanner 11 and the character recognition results corresponding to each item to the centralized center.

[0027] In addition, the bank staff uses the branch terminal 12 to check the balance of the requester's account. When the balance of the requester's account is equal to or greater than the amount required for the transfer, the bank staff requests the host 30 to secure the transfer funds via the branch terminal 12. When the transfer funds can be secured, the bank staff marks the secured fund mark column 42 as described above. When the transfer funds are unsecured, the bank staff marks the unsecured fund mark column 43.

[0028] Note that the branch terminal 12 may be, for example, a PC (Personal Computer) as shown in FIG. 1. In FIG. 1, an example where the scanner 11 and the branch terminal 12 are separate devices is shown. However, the functions of the scanner 11 and the branch terminal 12 may be integrally realized by one device.

[0029] The foreign exchange server 20 is an example of a transfer management device that stores transfer data transmitted from the store terminal 12. The foreign 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 foreign exchange server 20 obtains a cut-out image corresponding to each item by cutting out the entry fields of each item from the image data of the transfer request form 40. The foreign exchange server 20 transmits transfer data including the cut-out image corresponding to each item and the character recognition result to the entry terminal 26.

[0030] The entry terminal 26 is a terminal used by the first operator (hereinafter also referred to as the "entry person") of the centralized center. On the entry screen of the entry terminal 26, the cut-out images corresponding to the respective items included in the transfer data distributed from the foreign exchange server 20 and the character recognition results are displayed in association with the item names. If the operator (hereinafter also referred to as the "entry person") of the entry terminal 26 determines that the character recognition result corresponding to the item is incorrect (for example, due to misreading or non-reading) while visually observing the cut-out image corresponding to the item, the operator performs a correction operation on the character recognition result.

[0031] FIG. 3 is an explanatory diagram showing a specific example of the entry screen 50. As shown in FIG. 3, on the entry screen 50, cut-out images and character recognition results corresponding to each of a plurality of items included in the transfer request form are displayed. For example, the cut-out image is displayed in the corresponding image display field, and the character recognition result is displayed in the corresponding item input field. As an example, the cut-out image of the requester's phone number is displayed in the image display field 500 for the requester's phone number, and the character recognition result of the requester's phone number is displayed in the requester's phone number input field 520.

[0032] In the example shown in FIG. 3, while the cut-out image corresponding to the item "requester's name" is described as "OKI TARO", the character recognition result corresponding to the item "requester's name" is incorrectly "OGI TAROWA". Then, assume a case where the entry person did not notice the error in the character recognition result and did not perform a correction operation on the character recognition result.

[0033] The character recognition results corresponding to each item or the correction results by the entry person of the character recognition results are transmitted from the entry terminal 26 to the exchange server 20 as entry data (for example, based on the pressing of the "transmission" button) and stored in the exchange server 20. The exchange server 20 distributes the transfer data including the cut-out image corresponding to each item to the verify terminal 27. At this time, the transfer data further including the entry data corresponding to each item is also distributed to the verify terminal 27.

[0034] The verify terminal 27 is a terminal used by the second operator at the centralized center (hereinafter also referred to as the "verifier"). On the verify screen of the verify terminal 27, the cut-out images corresponding to each item included in the transfer data distributed from the exchange server 20 are displayed in association with the item names. Further, the entry data corresponding to the items other than the important items is displayed in association with the item names. For example, the cut-out image is displayed in the corresponding image display column, and the entry data corresponding to the items other than the important items is displayed in the corresponding item input column. On the other hand, the item input column corresponding to the important item is left blank.

[0035] While visually observing the cut-out image corresponding to the item other than the important item, if the verifier determines that the entry data corresponding to the item other than the important item is incorrect, the verifier performs a correction operation on the entry data. On the other hand, while visually observing the cut-out image corresponding to the important item, the verifier inputs the data corresponding to the important item into the item input column corresponding to the important item.

[0036] FIG. 4 is an explanatory diagram showing a specific example of a verification screen. As shown in FIG. 4, on the verification screen 60, cut-out images and entry data corresponding to a plurality of items included in the transfer request form are displayed. For example, the cut-out images are displayed in the corresponding image display fields, and the entry data is displayed in the corresponding item input fields. As an example, the cut-out image of the requester's phone number is displayed in the image display field 500 for the requester's phone number, and the entry data of the requester's phone number is displayed in the requester's phone number input field 520.

[0037] In the example shown in FIG. 3, although the character recognition result corresponding to the item "requester's name" is incorrect as "OGI TAROWA", the entry person did not notice the error in this character recognition result and did not perform a correction operation on the character recognition result. However, in the example shown in FIG. 4, the verifier noticed that the entry data "OGI TAROWA" corresponding to the item "requester's name" was incorrect, and corrected the entry data "OGI TAROWA" corresponding to the item "requester's name" to "OGI TAROU". In this example, the correction result by the verifier is also incorrect.

[0038] The entry data or the correction result of the entry data corresponding to items other than important items, and the input result by the verifier corresponding to important items are transmitted as verification data (for example, based on the pressing of the "send" button) from the verification terminal 27 to the exchange server 20 and stored in the exchange server 20. The exchange server 20 determines whether the entry data and the verification data match for all items.

[0039] When the entry data and the verification data match for all items, the exchange server 20 transmits a forwarding message including the verification data (or the entry data) corresponding to all items to the host 30 via the communication gateway 29. At this time, when the host 30 executes the transfer based on the reception of the forwarding message, one transfer is completed.

[0040] If there are items that do not match between the entry data and the verified data, the foreign exchange server 20 distributes transfer data including the cut-out images and verified data corresponding to each item, and information indicating the items where the data do not match (non-matching items) to the approval terminal 28. In addition, when the transaction related to such transfer data is a high-value transaction (for example, when the transfer amount is equal to or more than a predetermined amount), the transfer data including the cut-out images and verified data corresponding to each item is distributed to the approval terminal 28.

[0041] The approval terminal 28 is a terminal used by the third operator at the centralized center (hereinafter also referred to as the "approver"). On the approval screen of the approval terminal 28, the cut-out images corresponding to each item included in the transfer data distributed from the foreign exchange server 20 are displayed in association with the item names. Further, the verified data corresponding to each item is displayed in association with the item names. For example, the cut-out images are displayed in the corresponding image display columns, and the verified data is displayed in the corresponding item input columns.

[0042] If the approver visually checks the cut-out images corresponding to each item and determines that there are no items with incorrect verified data, the approver performs an approval operation. On the other hand, if the approver visually checks the cut-out images corresponding to each item and determines that there are items with incorrect verified data, the approver performs a return operation. At this time, on the approval screen, predetermined modification is applied to the verified data corresponding to the items where the data do not match. As a result, the approver can easily identify the items where the data do not match.

[0043] FIG. 5 is an explanatory diagram showing a specific example of an approval screen. As shown in FIG. 5, on the approval screen 70 according to the comparative example, cutout images and verification data corresponding to each of a plurality of items included in the transfer request form are displayed. For example, the cutout images are displayed in corresponding image display fields, and the verification data is displayed in corresponding item input fields. As an example, the cutout image of the requester's telephone number is displayed in the image display field 500 for the requester's telephone number, and the verification data of the requester's telephone number is displayed in the requester's telephone number input field 520.

[0044] In the above example, the entry data and the verification data corresponding to the item "requester's name" do not match (FIGS. 3 and 4). Therefore, on the approval screen 70, a predetermined modification 530 (for example, a modification to make the character color red) is applied to the verification data "Taro Ogi" corresponding to the item "requester's name" for which the data does not match. This makes it easier for the approver to notice the item for which the data does not match.

[0045] As an example, if the approver determines that the verification data "Taro Ogi" is correct while visually observing the cutout image corresponding to the item "requester's name", the approver performs an approval operation (for example, by pressing the "approve" button). On the other hand, if the approver determines that the verification data "Taro Ogi" is incorrect, the approver performs a rollback operation (for example, by pressing the "rollback" button).

[0046] (Background) Important items that require input by the verifier are selected at the requirement definition stage when the system is introduced. The selection of important items may vary depending on the financial institution, but generally, items that are particularly likely to have a significant impact if errors in the character recognition results are overlooked among the transfer data are selected as important items. Generally, items such as "subject", "account number", and "transfer amount" are selected as important items.

[0047] On the one hand, it is common for important items to be the same after the system is introduced. However, the efficiency and robustness of the transfer operation are in an inverse relationship depending on the number of important items. That is, if there are many important items, the robustness increases but the efficiency is impaired. Conversely, if there are few important items, the efficiency increases but the robustness is impaired. Despite the fact that there are cases where more importance is placed on efficiency and cases where more importance is placed on robustness, there has been a situation where it becomes difficult to achieve both an improvement in efficiency and robustness when the important items are made the same.

[0048] Therefore, the inventor of the present invention has created a foreign exchange system according to an embodiment of the present invention by focusing on the above situation. The foreign exchange system according to an embodiment of the present invention can achieve both an improvement in the efficiency and robustness of the transfer operation. Hereinafter, the configuration and operation of such a foreign exchange system according to an embodiment of the present invention will be sequentially described in detail.

[0049] The above is an explanation of the outline of the foreign exchange system according to an embodiment of the present invention.

[0050] <2. Configuration of the Foreign Exchange Server> FIG. 6 is an explanatory diagram showing the configuration of the foreign exchange server 20 according to an embodiment of the present invention. As shown in FIG. 6, the foreign exchange server 20 includes a control unit 220, a storage unit 230, and a communication unit 240.

[0051] The control unit 220 includes a CPU (Central Processing Unit) and the like, and its function can be realized by the program stored in the storage unit 230 being expanded and executed by the CPU in the RAM (Random Access Memory). At this time, a computer-readable recording medium on which the program is recorded may also be provided. Alternatively, the control unit 220 may be configured by dedicated hardware or may be configured by a combination of a plurality of hardware components.

[0052] Here, as shown in FIG. 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.

[0053] The storage unit 230 is a storage device capable of storing programs and data for operating the control unit 220. Further, the storage unit 230 can also temporarily store various data required in the process of the operation of the control unit 220. For example, the storage device may be a non-volatile storage device.

[0054] The communication unit 240 is configured by a communication interface and communicates with the store terminal 12 of the store via a network. Further, the communication unit 240 communicates with each of the other terminals (entry terminal 26, verify terminal 27, and approval terminal 28) via the network in the centralized center.

[0055] The configuration of the foreign exchange server 20 according to the embodiment of the present invention has been described above.

[0056] <3. Configuration of Entry Terminal> FIG. 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.

[0057] The input unit 261 receives operations by the person entering. 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 other input devices.

[0058] The control unit 262 includes a CPU or the like, and its functions can be realized when the program stored in the storage unit 266 is expanded to the RAM by the CPU and executed. At this time, a computer-readable recording medium storing the program may also be provided. Alternatively, the control unit 262 may be configured by dedicated hardware or may be configured by a combination of a plurality of hardware components.

[0059] Here, as shown in FIG. 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 of the control unit 262 will be described later.

[0060] 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 during the operation of the control unit 262. For example, the storage device may be a non-volatile storage device.

[0061] The communication unit 267 is configured by a communication interface and communicates with the exchange server 20 and other terminals (verification terminal 27 and approval terminal 28) via the network in the centralized center, respectively.

[0062] The display unit 268 has a function of displaying various information according to the control by 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 organic light emitting diode (OLED) device, or a display device such as a lamp.

[0063] The configuration of the entry terminal 26 according to the embodiment of the present invention has been described above.

[0064] <4. Configuration of Verification Terminal> FIG. 8 is an explanatory diagram showing the configuration of the verification terminal 27 according to an embodiment of the present invention. As shown in FIG. 8, the verification terminal 27 includes an input unit 271, a control unit 272, a storage unit 276, a communication unit 277, and a display unit 278.

[0065] The input unit 271 receives 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 other input devices.

[0066] The control unit 272 includes a CPU or the like, and its functions can be realized by the program stored in the storage unit 276 being expanded to the RAM by the CPU and executed. At this time, a computer-readable recording medium recording the program may also be provided. Alternatively, the control unit 272 may be configured by dedicated hardware or may be configured by a combination of a plurality of hardware.

[0067] Here, as shown in FIG. 8, the control unit 272 includes an acquisition unit 273, a processing unit 274 (important item determination unit), and an output control unit 275. Details of each of these functional units included in the control unit 272 will be described later.

[0068] The storage unit 276 is a storage device capable of storing programs and data for operating the control unit 272. Further, the storage unit 276 can also temporarily store various data required in the process of the operation of the control unit 272. For example, the storage device may be a non-volatile storage device.

[0069] The communication unit 277 is configured by a communication interface and communicates with the exchange server 20 and other terminals (entry terminal 26 and approval terminal 28) respectively via a network in the centralized center.

[0070] The display unit 278 has a function of displaying various information according to the control by the control unit 272. For example, the display unit 278 can display a verification screen. Here, the form of the display unit 278 is not particularly limited. For example, the display unit 278 may be a liquid crystal display (LCD) device, a device, or a display device such as a lamp.

[0071] As described above, the configuration of the verification terminal 27 according to the embodiment of the present invention has been described.

[0072] <5. Configuration of Approval Terminal> FIG. 9 is an explanatory diagram showing the configuration of an approval terminal 28 according to an embodiment of the present invention. As shown in FIG. 9, the approval terminal 28 includes an input unit 281, a control unit 282, a storage unit 286, a communication unit 287, and a display unit 288.

[0073] The input unit 281 receives operations by an 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.

[0074] The control unit 282 includes a CPU and the like, and its function can be realized by the program stored in the storage unit 286 being expanded and executed by the CPU in the RAM. At this time, a computer-readable recording medium recording the program may also be provided. Alternatively, the control unit 282 may be configured by dedicated hardware or may be configured by a combination of a plurality of hardware.

[0075] Here, as shown in FIG. 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.

[0076] The storage unit 286 is a storage device capable of storing programs and data for operating the control unit 282. Also, the storage unit 286 can temporarily store various data required in the process of the operation of the control unit 282. For example, the storage device may be a non-volatile storage device.

[0077] The communication unit 287 is constituted by a communication interface and communicates with the exchange server 20 and each of the other terminals (the entry terminal 26 and the verify terminal 27) via the network in the centralized center.

[0078] The display unit 288 has a function of displaying various information according to the control by 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, may be a device, or may be a display device such as a lamp.

[0079] The configuration of the approval terminal 28 according to the embodiment of the present invention has been described above.

[0080] <6. Overall operation> Subsequently, with reference to FIGS. 10 and 11, an overall operation example of the exchange system 1 will be described.

[0081] FIGS. 10 and 11 are explanatory diagrams showing an overall operation example of the exchange system 1 according to the embodiment of the present invention. When the applicant visits the business office, fills in the necessary items in the predetermined transfer request form 40, and submits the transfer request form 40 to the counter, the bank clerk causes the scanner 11 to read the transfer request form 40.

[0082] Scanner 11 obtains image data by reading the transfer request form 40. Further, Scanner 11 obtains character recognition results corresponding to each of a plurality of items by performing character recognition on the image data of the transfer request form 40. More specifically, Scanner 11 obtains character recognition results corresponding to each item by performing character recognition on at least a part of the entry field of each item of the image data of the transfer request form 40. The store terminal 12 transmits transfer data including the image data of the transfer request form 40 obtained by Scanner 11 and the character recognition results corresponding to each item to the exchange server 20 (S11).

[0083] In the exchange server 20, the transfer data received by the communication unit 240 is obtained by the acquisition unit 221. The processing unit 222 stores the 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 field of 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. Then, the transmission control unit 223 controls the communication unit 240 to transmit the transfer data including the cut-out image and the character recognition results corresponding to each item to the entry terminal 26 (S13).

[0084] In the entry terminal 26, the transfer data received by the communication unit 267 is obtained by the acquisition unit 263. The output control unit 265 controls the display unit 268 to display an entry screen 50 including the cut-out image and the character recognition results corresponding to each of the plurality of 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.

[0085] If the entry person determines that the character recognition result corresponding to the item is incorrect (e.g., due to misreading or non-reading) while visually observing the cut-out image corresponding to the item, the entry person inputs a correction operation for the character recognition result to the input unit 261. The correction operation of the character recognition result is received by the input unit 261 (S15) and acquired by the acquisition unit 263. The processing unit 264 corrects the character recognition result according to the correction operation.

[0086] For example, when the "Send" button on the entry screen 50 is pressed by the entry person, the output control unit 265 controls the communication unit 267 to send the character recognition result corresponding to each item or the correction result of the character recognition result by the entry person as the entry data corresponding to each item to the exchange server 20 (S16).

[0087] In the exchange server 20, when the entry data corresponding to each item received by the communication unit 240 is acquired by the acquisition unit 221, 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 send the transfer data including the cut-out image corresponding to each item and the entry data corresponding to each item to the verify terminal 27 (S17).

[0088] 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 the cut-out image corresponding to each of the plurality of items and the entry data corresponding to the items other than the important items based on the transfer data (S18). For example, the cut-out image is displayed in the corresponding image display column on the verify screen 60, and the entry data corresponding to the items other than the important items is displayed in the corresponding item input column. On the other hand, the item input column corresponding to the important item is left blank.

[0089] If the verifier visually checks the cut-out image corresponding to items other than the important items and determines that the entry data corresponding to the items other than the important items is incorrect, the verifier inputs a correction operation for the entry data to the input unit 271. On the other hand, while visually checking the cut-out image corresponding to the important items, the verifier inputs the data corresponding to the important items into the item input field corresponding to the important items. The input of the data corresponding to the important items and the correction operation of the entry data are received by the input unit 271 (S19) and acquired by the acquisition unit 273. The processing unit 274 corrects the entry data according to the correction operation.

[0090] For example, when the "Send" button on the verification screen 60 is pressed by the verifier, the output control unit 265 controls the communication unit 277 to transmit the entry data corresponding to the items other than the important items or the correction result of the entry data, and the input result by the verifier corresponding to the important items, as the verification data corresponding to each item, to the foreign exchange server 20 (S20).

[0091] In the foreign exchange server 20, when the verification data corresponding to each item received by the communication unit 240 is acquired by the acquisition unit 221, the processing unit 222 stores the verification data corresponding to each item in the storage unit 230. Subsequently, the processing unit 222 determines whether the entry data and the verification data match in all items (S31).

[0092] When it is determined by the processing unit 222 that the entry data and the verification data match in all items ( "YES" in S31), the transmission control unit 223 controls the communication unit 240 to transmit the destination message including the verification data (or the entry data) corresponding to each item to the host 30 via the communication gateway 29 (S32). At this time, the host 30 completes one transfer by executing the transfer based on the reception of the destination message.

[0093] Although not shown in FIG. 11, even when the processing unit 222 determines that the entry data and the verified data match in all items, if the processing unit 222 determines that the transaction related to the transfer data is a high-value transaction (for example, when the transfer amount is equal to or greater than a predetermined amount), the transmission control unit 223 may control the communication unit 240 to transmit the transfer data including the cut-out image and the verified data corresponding to each item to the approval terminal 28.

[0094] On the other hand, when the processing unit 222 determines that there is an item in which the entry data and the verified data do not match (\"NO\" in S31), the transmission control unit 223 controls the communication unit 240 to transmit the transfer data including the cut-out image and the verified data corresponding to each item to the approval terminal 28 (S33).

[0095] At 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 the cut-out image and the verified data corresponding to each item based on the transfer data (S34).

[0096] If the approver determines that the verified data corresponding to each item is correct while visually observing the cut-out image corresponding to each item, the approver performs an approval operation on the input unit 281. As an example, the approval operation may be pressing an \"Approval\" button.

[0097] On the other hand, if the approver determines that there is an item in which the verified data is incorrect while visually observing the cut-out image corresponding to each item, the approver inputs a return operation to the input unit 281. As an example, the return operation may be pressing a \"Return\" button.

[0098] The operation input by the approver is received 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 foreign exchange server 20 (S36).

[0099] In the foreign 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 cancellation operation (S37). When it is determined by the processing unit 222 that the operation input by the approver is an approval operation (''NO'' in S37), the communication unit 240 is controlled to transmit a forwarding message including verification 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 a transfer based on the reception of the forwarding message, and one transfer is completed.

[0100] On the other hand, when it is determined by the processing unit 222 that the operation input by the approver is a cancellation operation (''YES'' in S37), the transmission control unit 223 controls the communication unit 240 to transmit transfer data including the cut-out image and verification data corresponding to each item to the verification terminal 27 (S39).

[0101] In the verification terminal 27, the transfer data received by the communication unit 277 is acquired by the acquisition unit 273. The output control unit 275 controls the display unit 278 to display a verification screen after cancellation including the cut-out image and verification data corresponding to each item based on the transfer data (S40).

[0102] If the verifier determines that there is an item with incorrect verification data while visually checking the cut-out image corresponding to each item, the verifier inputs a correction operation for the verification data to the input unit 271. The correction operation of the verification data is received by the input unit 271 (S41) and acquired by the acquisition unit 273. The processing unit 274 corrects the verification data according to the correction operation.

[0103] For example, when the "Send" button on the verification screen after being rolled back is pressed by the verifier, the output control unit 265 controls the communication unit 277 to send the verification data corresponding to each item or the correction result of the verification data to the foreign exchange server 20 (S42).

[0104] In the foreign exchange server 20, when the acquisition unit 221 acquires the verification data corresponding to each item or the correction result of the verification data received by the communication unit 240, the processing unit 222 updates the verification data corresponding to each item stored in the storage unit 230 according to the verification data corresponding to each item or the correction result of the verification data. Then, after the verification data corresponding to each item is replaced with the updated verification data, S33 is executed again.

[0105] The overall operation example of the foreign exchange system 1 according to the embodiment of the present invention has been described above.

[0106] <7. First Embodiment> Subsequently, the first embodiment of the present invention will be described.

[0107] (Operation) As shown in S17 (FIG. 10), transfer data including cutout images corresponding to each item and entry data corresponding to each item is transmitted from the foreign exchange server 20 to the verification terminal 27. Then, as shown in S18 (FIG. 10), the verification terminal 27 controls the display unit 278 to display a verification screen 60 including cutout images corresponding to each item and entry data corresponding to items other than important items based on the transfer data.

[0108] At this time, the processing unit 274 determines important items based on the entry data corresponding to a predetermined item among the plurality of items. As a result, it becomes possible to improve both the efficiency and the firmness of the transfer operation. Here, it is assumed that the processing unit 274 determines the number of important items based on the entry data corresponding to a predetermined item among the plurality of items.

[0109] In particular, in the first embodiment of the present invention, it is assumed that the predetermined item includes the item of the transfer amount. That is, in the first embodiment of the present invention, it is assumed that the processing unit 274 determines important items based on the entry data corresponding to the item of the transfer amount.

[0110] FIG. 12 is a flowchart showing an operation example of the verification terminal 27 according to the first embodiment of the present invention. As described above, in the verification terminal 27, the output control unit 265 controls the display unit 278 to display cutout images corresponding to each of the plurality of items on the verification screen based on the transfer data acquired from the foreign exchange server 20 (S51). Further, the acquisition unit 273 acquires the entry data corresponding to the item of the transfer amount as the transfer amount (S52).

[0111] When the transfer amount is equal to or greater than the threshold value, the processing unit 274 increases the number of important items as compared with the case where the transfer amount is less than the threshold value. For example, when the transfer amount is equal to or greater than the first threshold value, the processing unit 274 increases the number of important items as compared with the case where the transfer amount is less than the first threshold value. Further, when the transfer amount is equal to or greater than the second threshold value (smaller than the first threshold value), the processing unit 274 increases the number of important items as compared with the case where the transfer amount is less than the second threshold value.

[0112] The specific values of the first threshold value and the second threshold value are not limited. In the example shown in FIG. 12, it is assumed that the first threshold value is 100 million yen and the second threshold value is 1 million yen.

[0113] That is, when the transfer amount is less than 1 million yen ( "less than 1 million yen" in S53), the processing unit 274 determines the subject, account number, and transfer amount as important items (S54). Further, when the transfer amount is 1 million yen or more and less than 100 million yen ( "1 million yen or more and less than 100 million yen" in S53), the processing unit 274 determines the transfer designated date, subject, account number, transfer amount, bank name, and branch name as important items (S55). Further, when the transfer amount is 100 million yen or more ( "100 million yen or more" in S53), the processing unit 274 determines all items as important items (S56).

[0114] The output control unit 275 sets the item input fields corresponding to the determined important items to blank, and displays the entry data corresponding to the items other than the determined important items in the item input fields on the verification screen (S57). The verifier visually checks the cut-out image corresponding to each item, enters the data corresponding to the important item in the item input field corresponding to the important item, and if it is determined that the entry data corresponding to the item other than the important item is incorrect, inputs a correction operation for the entry data to the input unit 271.

[0115] When the "Send" button on the verification screen is pressed by the verifier, the operation proceeds to S20 (FIG. 10).

[0116] (Effect) According to the first embodiment of the present invention, it is possible to achieve both an improvement in the efficiency and certainty of transfer operations, and a foreign exchange system with excellent operating performance can be provided.

[0117] (Modification) Which items are determined as important items may be determined for each financial institution according to the requests of the financial institution or the like. Similarly, the thresholds (for example, the first threshold and the second threshold) may also be determined for each financial institution according to the requests of the financial institution or the like.

[0118] The first embodiment of the present invention has been described above.

[0119] <8. Second Embodiment> Subsequently, the second embodiment of the present invention will be described.

[0120] (Operation) As described above, the processing unit 274 determines important items based on the entry data corresponding to a predetermined item among a plurality of items. In particular, in the second embodiment of the present invention, it is assumed that the predetermined item includes the item of the name of the requester and the item of the name of the recipient. That is, in the second embodiment of the present invention, it is assumed that the processing unit 274 determines important items based on the entry data corresponding to the items of the name of the requester and the name of the recipient. However, the predetermined item only needs to include at least one of the item of the name of the requester and the item of the name of the recipient.

[0121] In the second embodiment of the present invention, there is a customer-to-watch table in the foreign exchange system 1 in which the names of customers (that is, persons) who require attention are registered. In the second embodiment of the present invention, it is mainly assumed that the customer-to-watch table exists in the verification terminal 27. However, as will be described later, the customer-to-watch table may exist outside the verification terminal 27. Note that, in order to enable the financial institution itself to add, change, and delete data to the customer-to-watch table, it is desirable to prepare a maintenance screen for the customer-to-watch table for the financial institution.

[0122] Figure 13 is a flowchart showing an operation example of the verification terminal 27 according to the second embodiment of the present invention. As described above, in the verification terminal 27, the output control unit 265 controls the display unit 278 to display the cutout images corresponding to the respective items on the verification screen based on the transfer data acquired from the exchange server 20 (S61). Further, the acquisition unit 273 acquires the entry data corresponding to the item of the name of the requester and the entry data corresponding to the item of the name of the recipient as the name of the requester and the name of the recipient, respectively (S62).

[0123] When at least one of the name of the requester and the name of the recipient matches the customer name registered in the customer table requiring attention, the processing unit 274 increases the number of important items as compared with the case where neither the name of the requester nor the name of the recipient matches the customer name registered in the customer table requiring attention.

[0124] In the example shown in FIG. 12, when at least one of the name of the requester and the name of the recipient matches the customer name registered in the customer table requiring attention (``YES'' in S63), the processing unit 274 determines all items as important items (S65). On the other hand, when neither the name of the requester nor the name of the recipient matches the customer name registered in the customer table requiring attention (``NO'' in S63), the processing unit 274 determines the subject, account number, and transfer amount as important items (S64).

[0125] The output control unit 275 makes the item input fields corresponding to the determined important items blank and displays the entry data corresponding to the items other than the determined important items in the item input fields on the verification screen (S66). While visually observing the cutout images corresponding to the respective items, the verifier inputs the data corresponding to the important items into the item input fields corresponding to the important items, and if it is determined that the entry data corresponding to the items other than the important items is incorrect, inputs a correction operation for the entry data to the input unit 271.

[0126] When the "Transmit" button on the verification screen is pressed by the verifier, the operation proceeds to S20 (FIG. 10).

[0127] (Effect) According to the second embodiment of the present invention, similarly to the first embodiment of the present invention, it is possible to achieve both improvement in the efficiency and certainty of the transfer operation, and a foreign exchange system with excellent operation performance can be provided.

[0128] (Modification) Which items are determined as important items may be determined for each financial institution according to the requirements of the financial institution or the like.

[0129] Also, in the above, the case where the customer table requiring attention exists in the verification terminal 27 is mainly assumed. However, the customer table requiring attention may exist outside the verification terminal 27. For example, the customer table requiring attention may exist in the foreign exchange server 20 or the like. At this time, the important items may be determined by the foreign exchange server 20, or may be determined by the verification terminal 27 that has acquired the data of the customer table requiring attention from the foreign exchange server 20.

[0130] The second embodiment of the present invention has been described above.

[0131] <9. Hardware Configuration> Subsequently, a hardware configuration example of the verification terminal 27 according to the embodiment of the present invention will be described. Hereinafter, as a hardware configuration example of the verification terminal 27 according to the embodiment of the present invention, a hardware configuration example of the information processing apparatus 900 will be described. The hardware configurations of the entry terminal 26, the approval terminal 28, and the foreign exchange server 20 can also be realized in the same manner as the hardware configuration of the verification terminal 27.

[0132] Note that the hardware configuration example of the information processing apparatus 900 described below is merely an example of the hardware configuration of each of the entry terminal 26, verification terminal 27, approval terminal 28, and foreign exchange server 20. Therefore, the hardware configuration of each of the entry terminal 26, verification terminal 27, approval terminal 28, and foreign exchange server 20 may have unnecessary configurations deleted from the hardware configuration of the information processing apparatus 900 described below, or new configurations may be added thereto.

[0133] FIG. 14 is a diagram showing the hardware configuration of an information processing apparatus 900 as an example of the verification terminal 27 according to an embodiment of the present invention. The information processing apparatus 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.

[0134] The CPU 901 functions as an arithmetic processing unit and a control unit, and controls the overall operation within the information processing apparatus 900 according to various programs. Also, the CPU 901 may be a microprocessor. The ROM 902 stores programs, arithmetic parameters, etc. used by the CPU 901. The RAM 903 temporarily stores programs used in the execution of the CPU 901 and parameters that appropriately change during the execution thereof. These are mutually connected by a host bus 904 composed of a CPU bus or the like.

[0135] The host bus 904 is connected to an external bus 906 such as a PCI (Peripheral Component Interconnect / Interface) bus via the bridge 905. Note that it is not necessarily required to separately configure the host bus 904, the bridge 905, and the external bus 906, and these functions may be implemented on one bus.

[0136] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers for 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. A user who operates the information processing device 900 can input various data to the information processing device 900 or instruct processing operations by operating this input device 908.

[0137] The output device 909 includes, for example, display devices such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, a lamp, and audio output devices such as a speaker.

[0138] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, a deleting device for deleting data recorded on the storage medium, and the like. The storage device 910 is composed of, for example, an HDD (Hard Disk Drive). This storage device 910 drives a hard disk and stores programs and various data executed by the CPU 901.

[0139] The communication device 911 is a communication interface composed of, for example, a communication device for connecting to a network. Also, the communication device 911 may support either wireless communication or wired communication.

[0140] The hardware configuration example of the information processing device 900 as an example of the verification terminal 27 according to the embodiment of the present invention has been described above.

[0141] <9. 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 obvious that those having ordinary knowledge in the technical field to which the present invention pertains can conceive of various modification examples or correction examples within the scope of the technical idea described in the claims, and these are also naturally understood to belong to the technical scope of the present invention.

[0142] For example, in the above, an example in which an embodiment of the present invention is applied to a foreign exchange system for financial institutions has been described, but the embodiments of the present invention can also be applied to all other systems that perform processing based on account information held by a host.

[0143] Also, each step in the processing of the foreign exchange system in this specification does not necessarily need to be processed in time series in accordance with the order described as a flowchart. For example, each step in the processing of the foreign exchange system may be processed in an order different from the order described as a flowchart, or may be processed in parallel.

[0144] In the first embodiment and the second embodiment of the present invention, the case where the verification terminal 27 determines important items has been mainly described. However, important items may be determined by the outside of the verification terminal 27 (that is, terminals or servers other than the verification terminal 27 in the foreign exchange system 1). For example, the foreign exchange server 20 may determine important items.

[0145] Also, in the first embodiment and the second embodiment of the present invention, the case where the processing unit 274 determines the number of important items based on entry data corresponding to a predetermined item among a plurality of items has been mainly described. However, the processing unit 274 may determine the type of important items based on entry data corresponding to a predetermined item among a plurality of items.

Explanation of Reference Numerals

[0146] 1 Foreign exchange system 20 Foreign exchange server 221 Acquisition unit 222 Processing Unit 223 Transmission Control Unit 26 Entry Terminal 263 Acquisition Unit 264 Processing Unit 265 Output Control Unit 27 Verification Terminal 273 Acquisition Unit 274 Processing Unit 275 Output Control Unit 28 Approval Terminal 283 Acquisition Unit 284 Processing Unit 285 Output Control Unit

Claims

1. An acquisition unit that acquires entry data which is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result; Based on the entry data corresponding to a predetermined item including an item of transfer amount among the plurality of items, for important items that require input by a verifier among the plurality of items, when the transfer amount is equal to or greater than a threshold value, compared with the case where the transfer amount is less than the threshold value, a determination is made to increase the number of the important items. An important item determination unit; A verification terminal comprising the above.

2. An acquisition unit that acquires entry data which is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result; Based on the entry data corresponding to a predetermined item including at least one of an item of requester name and an item of recipient name among the plurality of items, for important items that require input by a verifier among the plurality of items, when at least one of the requester name and the recipient name is registered in advance as a name of a person requiring attention, compared with the case where it is not registered in advance as a name of a person requiring attention, a determination is made to increase the number of the important items. An important item determination unit; A verification terminal comprising the above.

3. Acquiring entry data which is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result; Based on the entry data corresponding to a predetermined item including an item of transfer amount among the plurality of items, for important items that require input by a verifier among the plurality of items, when the transfer amount is equal to or greater than a threshold value, compared with the case where the transfer amount is less than the threshold value, a determination is made to increase the number of the important items; An information processing method executed by a computer, including the above.

4. A computer, An acquisition unit that acquires entry data which is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result; An important item determination unit that determines, based on entry data corresponding to a predetermined item including an item of transfer amount among the plurality of items, to increase the number of important items that require input by a verifier among the plurality of items, when the transfer amount is equal to or greater than a threshold value, as compared with the case where the transfer amount is less than the threshold value; A program that causes a device to function as a verification terminal including the above. **Claim 5** An acquisition unit that acquires entry data that is a character recognition result corresponding to each of a plurality of items based on image data of a transfer request form or a correction result of the character recognition result; An important item determination unit that determines, based on entry data corresponding to a predetermined item including an item of transfer amount among the plurality of items, to increase the number of important items that require input by a verifier among the plurality of items, when the transfer amount is equal to or greater than a threshold value, as compared with the case where the transfer amount is less than the threshold value; A foreign exchange system including the above.

Images