JP2017182142A - Transaction management device and transaction management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique which can improve reliability of transaction.SOLUTION: A transaction management device comprises: a storage unit for electronically storing transactor's handwritten signature information for each transactor who performs transaction on behalf of an account holder for transaction related to the account; a transaction reservation acceptance unit for accepting a reservation for the transaction together with information identifying the state at the transaction time; a normal transaction determination unit for determining whether the transaction satisfies the state or not; a transaction processing unit for processing the transaction if the transaction satisfies the state; and a signature processing unit for accepting input of a handwritten signature by a transactor in a transaction processing process. The signature processing unit, when input of a handwritten signature is accepted, reads past handwritten signature information related to the transactor from the storage unit and generates an output screen on which the information is put down together in a manner that allows comparison with the handwritten signature.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction management apparatus and a transaction management method.

  Systems for supporting the operations of foreign affairs personnel such as financial institutions are becoming widespread. For example, there is a system including a server in an office and a portable terminal carried by a person in charge of external relations. And in the said system, the information regarding work can be transmitted / received between a server and a portable terminal, and a schedule reference and the input of transaction content can be performed via a portable terminal.

  Patent Document 1 describes, for example, a visit plan list and customer personal information transmitted from a server to a mobile terminal in a business support system having a business support server and a mobile terminal.

JP 2013-69216 A

  In the above technology, it is described that distribution of plan information for supporting transactions and complete erasure of personal information after transactions for improving security, etc., but it is different from the agent scheduled as a trader It does not improve the reliability of the transaction itself, such as the procedure by the agent being performed, that is, preventing impersonation.

  An object of the present invention is to provide a technique capable of improving the reliability of transactions.

  The present application includes a plurality of means for solving at least a part of the above-described problems. Examples of such means are as follows. The transaction management apparatus according to one aspect of the present invention electronically stores the above-mentioned handwritten signature information of each trader for each trader who conducts the transaction on behalf of the account holder who is the account holder in the transaction related to the account. A storage reservation unit, a transaction reservation accepting unit that accepts a reservation together with information specifying the situation at the time of the transaction, a normal transaction determination unit that determines whether or not the situation is satisfied for the transaction, and the situation A transaction processing unit that processes the transaction when the transaction is satisfied, and a signature processing unit that receives an input of a handwritten signature by the trader in the course of the transaction, and the signature processing unit receives an input of the handwritten signature And the past handwritten signature information which concerns on the said trader is read from the said memory | storage part, and the output screen which writes together with the said handwritten signature so that comparison is possible is produced | generated, It is characterized by the above-mentioned.

  In the transaction management apparatus, the account holder has the received handwritten signature when the past handwritten signature information relating to the transaction is not included in the storage unit. It may be transmitted to a predetermined other device so as to be viewable.

  Further, in the transaction management apparatus, the signature processing unit, when not receiving input of information indicating approval of the transaction within a predetermined period in response to the input of the handwritten signature, The voice call device may be called.

  In the transaction management apparatus, the signature processing unit causes the transaction processing unit to process the transaction when a response to the call is made within a predetermined period, and the transaction processing unit If the response to the call is not made within the predetermined period, the transaction may be stopped.

  In the transaction management apparatus, the signature processing unit calculates a predetermined index indicating a degree of coincidence between the input of the handwritten signature and the past handwritten signature information, and includes the index in the output screen. It may be a thing.

  In the transaction management apparatus, the signature processing unit may include a display graphed so that the degree of coincidence can be determined using the index in the output screen.

  In the transaction management apparatus, the signature processing unit generates a predetermined graphic that emphasizes a part different from the input of the handwritten signature and the past handwritten signature information, and includes it in the output screen. There may be.

  Further, a transaction management method according to another aspect of the present invention is a transaction management method using a transaction management device, wherein the transaction management device includes a control unit and a storage unit, and the storage unit includes: In the transaction related to the account, for each trader who conducts the transaction on behalf of the account holder who is the holder of the account, electronically stores the handwritten signature information of the trader, and the control unit A transaction reservation accepting step for accepting a reservation together with information for specifying the situation at the time of transaction and storing it in the storage unit, a normal transaction determining step for judging whether or not the situation relating to the reservation is satisfied for the transaction, and the situation A transaction processing step for processing the transaction when satisfied, and a signature processing step for accepting an input of a handwritten signature by a trader in the process of the transaction. In the signature processing step, When receiving the input of the handwritten signature, characterized in that the historical handwritten signature information relating to the trader is read from the storage unit to generate an output screen which comparably shown together with the handwritten signature.

  According to the present invention, the reliability of transactions can be improved.

  Problems, configurations, and effects other than those described above will become apparent from the following description of embodiments.

It is a block diagram of the transaction management system concerning an embodiment. It is a figure which shows the data structure stored in a transaction reservation memory | storage part. It is a figure which shows the data structure stored in a schedule memory | storage part. It is a figure which shows the data structure stored in a signature memory | storage part. It is a figure which shows the data structure stored in a transaction history memory | storage part. It is a figure which shows the hardware structural example of a transaction management apparatus. It is a figure which shows the hardware structural example of a public relations support terminal. It is a figure which shows the flow of transaction application processing. It is a figure which shows the flow of transaction processing. It is a figure which shows the flow of a signature process. It is a figure which shows the example of an output screen of transaction application processing. It is a figure which shows another example of an output screen of transaction application processing. It is a figure which shows the example of an output screen of a signature process. It is a figure which shows another example of an output screen of a signature process. It is a figure which shows another example of an output screen of a signature process. It is a figure which shows the example of a signature confirmation screen of a signature process. It is a figure which shows the example of a signature judgment screen of a signature process.

  Hereinafter, an embodiment using a transaction management system 1 to which an embodiment according to the present invention is applied will be described with reference to the drawings.

  In general, there are many systems that require identity verification and approval, but there is a risk that the ability of evidence may be relatively low even for electronic signatures based on handwriting input. It has become.

  Conventional efforts include increasing the amount of information related to electronic signatures and improving the reliability of electronic signature data by improving the algorithm for determining the similarity of handwriting and indirectly improving the reliability of transactions. .

  The transaction management system 1 according to the present embodiment is expected to directly increase the reliability of transactions without hindering the improvement of the reliability of indirect transactions.

  FIG. 1 is a block diagram of a transaction management system 1 according to the present embodiment. The transaction management system 1 includes a transaction management device 100, a foreign exchange support terminal 200 that is communicably connected to the transaction management device 100 via the network 50, and an account holder terminal 300 possessed by an account holder such as a bank. Including. The account holder terminal 300 may be a terminal such as a smartphone that is held and used by the account holder regardless of the account.

  The network 50 is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, and a mobile phone network. The network 50 may be a VPN (Virtual Private Network) or the like on a wireless communication network such as a mobile phone communication network.

  Transaction management apparatus 100 is a so-called server apparatus. However, the present invention is not limited thereto, and the transaction management apparatus 100 may be various information processing apparatuses such as a personal computer, a smartphone, a workstation, a PDA (Personal Data Assistant), and a tablet device.

  The transaction management apparatus 100 receives a transaction reservation request from the account holder terminal 300 for the transaction related to the account via the network 50. Further, the transaction management apparatus 100 assigns a foreign affairs person on the basis of a reservation for the transaction according to a predetermined standard, and records schedule information of the liaison person in charge. Further, the transaction management apparatus 100 determines whether or not the transaction is a reserved transaction at the transaction site, and establishes the transaction when the transaction is a reserved transaction. In this process, when the agent is not the account holder but the agent participates as a transaction, the transaction management apparatus 100 determines that the transaction is a reserved transaction if the agent is the scheduled agent. The electronic signature data by the handwriting input of the agent himself / herself is recorded.

  The public relations support terminal 200 is a terminal carried by a person in charge of public relations, and is a so-called tablet device. However, the present invention is not limited to this, and the external support terminal 200 may be various information processing apparatuses such as a personal computer, a smartphone, a workstation, and a PDA.

  Upon receiving an instruction to display and output a predetermined screen from the transaction management apparatus 100 via the network 50, the public relations support terminal 200 performs an output process. Further, input information received from the input device and various sensors described later is transmitted to the transaction management device 100 via the network 50.

  The account holder terminal 300 is a terminal used by an account holder who conducts the transaction, and is a so-called smartphone device. However, the present invention is not limited to this, and the account holder terminal 300 may be various information processing apparatuses such as a personal computer, a workstation, a PDA, and a tablet terminal.

  When the account holder terminal 300 receives an instruction to display and output a predetermined screen from the transaction management apparatus 100 via the network 50, the account holder terminal 300 performs an output process. Further, the input information received from the input device is transmitted to the transaction management device 100 via the network 50.

  Transaction management device 100 includes a control unit 110, a storage unit 120, and a communication unit 130. The control unit 110 includes a transaction reservation accepting unit 111, a schedule interlocking processing unit 112, a normal transaction determining unit 113, a transaction processing unit 114, and a signature processing unit 115.

  The transaction reservation receiving unit 111 receives transaction reservation information from the account holder terminal 300 via the network 50 and stores it in the transaction reservation storage unit 121. In other words, the transaction reservation accepting unit 111 accepts a reservation for a predetermined transaction together with information specifying the situation at the time of the transaction. Moreover, the transaction reservation reception part 111 receives the information which specifies the agent of the account holder who concerns on a transaction as a trader who trades at the time of the transaction at that time. Moreover, the transaction reservation reception part 111 presents the person who belongs to the eaves of an account holder as a candidate as a proxy.

  The schedule linkage processing unit 112 generates schedule information according to the transaction reservation and stores the schedule information in the schedule storage unit 122. In addition, the schedule interlocking processing unit 112 stores the schedule in the schedule storage unit 122 so that the schedule is shared with a senior manager or a manager corresponding to a manager in charge of external relations related to the transaction reservation. In addition, when receiving a transaction reservation, the schedule interlocking processing unit 112 generates predetermined schedule information by designating the date and time related to the reservation. In addition, the schedule interlocking processing unit 112 assigns a staff member in charge of the transaction, and shares the schedule information with the supervisor of the staff member.

  The normal transaction determination unit 113 determines whether the transaction is a normal transaction at the start of the transaction, according to the transaction reservation received by the transaction reservation reception unit 111. A normal transaction refers to a transaction that is not different from the transaction content related to the reservation. More specifically, when determining whether the transaction is a normal transaction, the normal transaction determination unit 113 determines whether the transaction satisfies a predetermined situation. In the processing, for example, as information for specifying the situation at the time of transaction, it is confirmed whether or not the agent is a scheduled agent, or the position information where the transaction is performed or the information of the optical image of the transaction Is used to determine whether the situation is satisfied. This is to reduce the risk that the transaction will be made at a place where the transaction is not scheduled, or that the transaction will be impersonated by another person.

  The transaction processing unit 114 executes predetermined business logic for each predetermined transaction. For example, the transaction processing unit 114 controls the start and end of programs related to various transactions such as deposit, withdrawal, notification, and repayment.

  The signature processing unit 115 creates signature data using the input handwriting information. In addition, the signature processing unit 115 stores signature data in the signature storage unit 123 for each signer who is a trader.

  When the signature processing unit 115 receives an input of a handwritten signature, the signature processing unit 115 reads out past handwritten signature information related to the transaction from the signature storage unit 123 and generates an output screen that can be compared with the handwritten signature.

  In addition, when the past handwritten signature information relating to the trader is not included in the signature storage unit 123, the signature processing unit 115 is a predetermined other device that the account holder has the accepted handwritten signature, that is, the account holder. It transmits to human terminal 300 so that browsing is possible.

  In addition, when the signature processing unit 115 does not accept the input of information indicating transaction approval in response to the input of the handwritten signature within a predetermined period, the signature processing unit 115 is a predetermined voice call device possessed by the account holder, that is, the account holder terminal 300. Make a phone call requesting a voice call. The signature processing unit 115 causes the transaction processing unit 114 to process the transaction when a response to the call is made within a predetermined period, and when the response to the call is not made within the predetermined period, To cancel.

  In addition, the signature processing unit 115 calculates a predetermined index indicating the degree of coincidence between the input of the handwritten signature and the past handwritten signature information, and includes the index in the output screen. Further, the signature processing unit 115 uses the index to include in the output screen a display that is graphed so that the degree of matching can be determined.

  In addition, the signature processing unit 115 generates a predetermined graphic that highlights the different parts of the input of the handwritten signature and the past handwritten signature information, and includes them in the output screen.

  The storage unit 120 includes a transaction reservation storage unit 121, a schedule storage unit 122, a signature storage unit 123, and a transaction history storage unit 124.

  FIG. 2 is a diagram illustrating a data structure stored in the transaction reservation storage unit 121. The transaction reservation storage unit 121 includes a reservation identifier 121A, a reservation identifier 121B, a customer name 121C, a desired transaction date and time 121D, a transaction execution location 121E, a transaction type 121F, a transaction 121G, a relationship 121H, A handling amount 121J and clothes 121K are stored in association with each other.

  The reservation identifier 121A is information for specifying a reservation for a transaction. The reservation person identifier 121B is information for specifying a person who made a reservation specified by the reservation identifier 121A. The customer name 121C is information that identifies the holder of the account to be traded. The desired transaction date and time 121D is a date and time when a transaction subject to the reservation specified by the reservation identifier 121A is performed. The transaction execution place 121E is a place where a transaction targeted for reservation specified by the reservation identifier 121A is performed.

  The transaction type 121F is information that specifies the type of transaction to be reserved by the reservation identifier 121A. The trader 121G is a person who performs a procedure in a transaction that is a reservation target specified by the reservation identifier 121A. Normally, it is assumed that the trader is an account holder, but the account holder must not be present due to various circumstances, or a related person may customarily become a trader. There is also.

  The relationship 121H is information for identifying a relationship with the account holder who is the customer for the transaction specified by the transaction 121G. The handling amount 121J is an amount handled in a transaction that is a reservation target specified by the reservation identifier 121A. The clothing 121K is information for specifying the clothing color of the agent when the person who performs the procedure in the transaction to be reserved specified by the reservation identifier 121A is the agent. Note that the information on the clothes 121K is not essential information for the transaction, but is auxiliary information that can be used to further increase the reliability of the transaction.

  FIG. 3 is a diagram illustrating a data structure stored in the schedule storage unit 122. The schedule storage unit 122 stores schedule information for a person in charge of public relations and other staff. The schedule storage unit 122 includes a staff identifier 122A, a reservation identifier 122B, a date and time 122C, and content 122D.

  The staff identifier 122A is information for identifying staff including the person in charge of external relations. The reservation identifier 122B is information for identifying a schedule (event). The date and time 122C is information for specifying the date and time when the schedule identified by the reservation identifier 122B is performed. The content 122D is information that specifies the content of the schedule identified by the reservation identifier 122B.

  FIG. 4 is a diagram illustrating a data structure stored in the signature storage unit 123. The signature storage unit 123 stores a signer identifier 123A, signature data 123B, and signature date and time 123C in association with each other.

  The signer identifier 123A is information for identifying the signer. The signature data 123B is electronic signature information generated by a predetermined algorithm based on handwriting information input at the time of signing by the signer identified by the signer identifier 123A. The signature date and time 123C is information for specifying the date and time when the signer identified by the signer identifier 123A signed.

  FIG. 5 is a diagram illustrating a data structure stored in the transaction history storage unit 124. The transaction history storage unit 124 includes a transaction identifier 124A, a customer name 124B, a transaction end date 124C, a transaction execution location 124D, a transaction type 124E, a transaction 124F, a transaction amount 124G, a service staff 124H, Are stored in association with each other.

  The transaction identifier 124A is information that identifies a transaction. The customer name 124B is information that identifies the holder of the account to be traded. The transaction end date and time 124C is the date and time when the transaction specified by the transaction identifier 124A was performed. The transaction execution place 124D is a place where the transaction specified by the transaction identifier 124A is performed.

  The transaction type 124E is information that specifies the type of transaction specified by the transaction identifier 124A. The transaction type 124E may be information indicating the reason for canceling the transaction when the transaction is canceled. The trader 124F is a person who performed a procedure in the trade specified by the trade identifier 124A.

  The handling amount 124G is an amount handled in the transaction specified by the transaction identifier 124A. The handling staff 124H is information that identifies a person in charge of public relations who was responsible for public relations in the transaction specified by the transaction identifier 124A.

  The communication unit 130 communicates with the external support terminal 200 and the account holder terminal 300 which are other devices via the network 50.

  The public relations support terminal 200 includes a display unit 210, an input reception unit 220, a communication unit 230, a position acquisition unit 240, and an imaging unit 250. When the display unit 210 receives screen information of a predetermined format instructed to be displayed from the transaction management device 100 from the communication unit 230, the display unit 210 renders the screen information on the display device. The input receiving unit 220 receives an input instruction from an operator of the external support terminal 200, for example, a external contact person, and transmits the input instruction to the transaction management apparatus 100. The communication unit 230 communicates with the transaction management apparatus 100 that is another apparatus via the network 50. By combining the display unit 210, the input receiving unit 220, and the communication unit 230, a so-called Internet browser function for controlling the display of a Web page can be realized.

  The position acquisition unit 240 acquires information for specifying the position of the public relations support terminal 200. Specifically, the position acquisition unit 240 acquires coordinate information by surveying using satellite radio waves such as GPS (Global Positioning System) or GLONASS (Global Navigation Satellite System). Upon receiving the instruction, the imaging unit 250 senses a predetermined range of wavelengths and generates image information using an imaging device such as a solid-state imaging device using a CMOS (complementary metal oxide semiconductor).

  The account holder terminal 300 includes a display unit 310, an input receiving unit 320, and a communication unit 330. When the display unit 310 receives screen information of a predetermined format instructed to be displayed from the transaction management device 100 from the communication unit 330, the display unit 310 draws the screen information on the display device. The input receiving unit 320 receives an input instruction from an operator of the account holder terminal 300, for example, an account holder, and transmits it to the transaction management apparatus 100. The communication unit 330 communicates with the transaction management apparatus 100 that is another apparatus via the network 50. When the display unit 310, the input reception unit 320, and the communication unit 330 are combined, a so-called Internet browser function for controlling the display of a Web page can be realized.

  FIG. 6 is a diagram illustrating a hardware configuration example of the transaction management apparatus 100. The transaction management apparatus 100 includes an arithmetic device 102, an external storage device 103, a main storage device 104, an output device 105, a communication device 106, and a bus 107 that connects the devices. In addition, the transaction management apparatus 100 includes an input device 101.

  The arithmetic device 102 is an arithmetic device such as a CPU (Central Processing Unit).

  The external storage device 103 is a non-volatile storage device such as a so-called hard disk (Hard Disk Drive), SSD (Solid State Drive) or flash memory capable of storing digital information.

  The main storage device 104 is a memory device such as a RAM (Random Access Memory).

  The output device 105 is a display device such as a liquid crystal display or an organic EL (Electro Luminescence) display.

  The communication device 106 is a device such as a network card that establishes a communication path with other devices such as the foreign exchange support terminal 200 and the account holder terminal 300 via the network 50 and transmits and receives information.

  The input device 101 is various input devices such as a keyboard, a mouse, and a touch panel.

  The input device 101, the arithmetic device 102, the external storage device 103, the main storage device 104, the output device 105, and the communication device 106 are connected to each other by a connecting conductor such as a bus 107.

  The transaction reservation accepting unit 111, the schedule interlocking processing unit 112, the normal transaction determining unit 113, the transaction processing unit 114, and the signature processing unit 115 of the transaction management apparatus 100 described above are programs that cause the arithmetic device 102 to perform processing. It is realized by. The program is stored in the main storage device 104, the external storage device 103, or a ROM device (not shown), loaded onto the main storage device 104 for execution, and executed by the arithmetic device 102.

  The storage unit 120 of the transaction management device 100 is realized by the main storage device 104 and the external storage device 103. Further, the communication unit 130 of the transaction management device 100 is realized by the communication device 106. The above is the hardware configuration example of the transaction management apparatus 100. Note that the account holder terminal 300 also has a configuration substantially similar to the hardware configuration example shown in FIG.

  The configurations of the transaction management device 100 and the account holder terminal 300 can be classified into more components depending on the processing contents. Moreover, it can also classify | categorize so that one component may perform more processes.

  Each control unit may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  FIG. 7 is a diagram illustrating a hardware configuration example of the external support terminal 200. The public relations support terminal 200 includes an arithmetic device 202, an external storage device 203, a main storage device 204, an output device 205, a communication device 206, a bus 207 connecting the devices, a position information acquisition device 208, and an imaging device. 209 at least. In addition, the foreign exchange support terminal 200 includes an input device 201.

  The arithmetic device 202 is an arithmetic device such as a CPU. The external storage device 203 is a non-volatile storage device such as a so-called hard disk, SSD, or flash memory that can store digital information. The main storage device 204 is a memory device such as a RAM. The output device 205 is a display device such as a liquid crystal display or an organic EL display. The communication device 206 is a device such as a network card that establishes a communication path with other devices such as the transaction management device 100 and the account holder terminal 300 via the network 50 and transmits and receives information.

  The input device 201 is various input devices such as a keyboard, a mouse, and a touch panel.

  The input device 201, the arithmetic device 202, the external storage device 203, the main storage device 204, the output device 205, the communication device 206, the position information acquisition device 208, and the imaging device 209 are connected to the bus 207 or the like. They are connected to each other by conducting wires.

  The display unit 210, the input reception unit 220, and the communication unit 230 of the above-described external support terminal 200 are realized by a program that causes the arithmetic device 202 to perform processing. The program is stored in the main storage device 204, the external storage device 203, or a ROM device (not shown), loaded onto the main storage device 204 for execution, and executed by the arithmetic device 202.

  The communication unit 230 of the external support terminal 200 is realized by the communication device 206. The location acquisition unit 240 of the external support terminal 200 is realized by the location information acquisition device 208. Further, the imaging unit 250 of the public relations support terminal 200 is realized by the imaging device 209. The above is an example of the hardware configuration of the external support terminal 200.

  The configuration of the public relations support terminal 200 can be classified into more components depending on the processing content. Moreover, it can also classify | categorize so that one component may perform more processes.

  Each control unit may be constructed by hardware (ASIC, GPU, etc.). Further, the processing of each control unit may be executed by one hardware, or may be executed by a plurality of hardware.

  [Description of Operation] Next, the operation of the transaction management system 1 in the present embodiment will be described.

  FIG. 8 is a diagram showing a flow of transaction application processing. The transaction application process starts when a user such as an account holder obtains a transaction reservation instruction from the account holder terminal 300. The transaction application process is started not only when an instruction for transaction reservation is obtained from the account holder terminal 300 but also when an instruction is received from the external support terminal 200 or other various terminals (not shown).

  First, the transaction reservation receiving unit 111 of the transaction management apparatus 100 receives a transaction reservation request (step S001). Specifically, the transaction reservation receiving unit 111 receives information related to a transaction reservation.

  In addition, information related to the reservation of the transaction includes the name of the customer (the account holder who is the target of the transaction), information for specifying the desired date and time of the transaction, information for specifying the place of the transaction, and the type of transaction Information to be traded, information on traders attending the trade, trade clothes color information specifying the color of the trader's clothes at the time of trade, and information specifying the handling amount. However, the present invention is not limited to this, and it is only necessary to include information specifying transaction contents and attendees. For example, information on a trading place or clothes may not be included.

  And the transaction reservation reception part 111 determines whether a trader is a temporary agent (step S002). Specifically, in the transaction accepted in step S001, the transaction reservation accepting unit 111 is a temporary agent when the trader is not the account holder himself and is not a member of the eaves. Is determined. The eave is a unit that corresponds to an address and handles the family living at the address as one group. If it is not a temporary agent, the transaction reservation accepting unit 111 advances the control to step S005 described later.

  If the trader is a temporary agent (“Yes” in step S002), the transaction reservation accepting unit 111 transmits a setting screen for the temporary agent (step S003). Specifically, the transaction reservation accepting unit 111 generates a temporary agent setting screen corresponding to a predetermined layout and transmits it to the account holder terminal 300.

  And the transaction reservation reception part 111 receives temporary agent information (step S004). Specifically, the transaction reservation receiving unit 111 receives a relationship between the name of the temporary agent and the account holder of the temporary agent.

  Next, the transaction reservation receiving unit 111 assigns a handling staff member (step S005). Specifically, the transaction reservation accepting unit 111 assigns a staff member who is in charge of public relations of the transaction according to an algorithm such as a predetermined priority order.

  Then, the transaction reservation receiving unit 111 records the transaction reservation, and the schedule interlocking processing unit 112 records the staff schedule (step S006). Specifically, the transaction reservation receiving unit 111 stores information related to the transaction reservation and information of the temporary agent in the transaction reservation storage unit 121. Further, the schedule interlocking processing unit 112 generates and stores schedule information related to the transaction in the schedule storage unit 122 of the handling staff. The schedule information is also stored in the manager's manager or manager's schedule storage unit 122 so that the schedule information can be shared.

  The above is the flow of the transaction application process. According to the transaction application process, a transaction can be reserved using a terminal held by the account holder.

  FIG. 9 is a diagram showing a flow of transaction processing. The transaction process is started when a request to start a process related to the transaction is received from the external support terminal 200.

  First, the transaction processing unit 114 receives date and time or customer information (step S101). Specifically, the transaction processing unit 114 receives the date and time related to the transaction or customer information of the account holder who performs the transaction from the external support terminal 200.

  Then, the transaction processing unit 114 specifies one or a plurality of eaves transactions using the date or the customer information (step S102). Specifically, the transaction processing unit 114 searches the transaction reservation storage unit 121 using the date and time received in step S101 or the customer information as a search key, and identifies one or more transactions of the eaves to which the corresponding customer belongs. To do.

  Then, the normal transaction determination unit 113 determines whether or not the transaction environment (date and time, place, clothes, etc.) is as scheduled (step S103). Specifically, the normal transaction determination unit 113 determines whether or not the transaction environment satisfies the contents applied for in the transaction application process. For example, the normal transaction determination unit 113 accepts input of a customer name, a trader, a transaction type, a handling amount, etc. in step S103 and compares it with a transaction schedule. Whether the transaction is fulfilled, whether the transaction location satisfies the transaction execution location, whether the transaction to be performed is included in the transaction type, whether the transaction is as scheduled, whether the transaction amount is included in the transaction amount frame, transaction It is determined whether the color that is the basis of the person's clothes is as planned.

  For specifying the transaction place, the normal transaction determination unit 113 receives the position information acquired by the position acquisition unit 240 of the external support terminal 200. Then, the normal transaction determination unit 113 determines whether or not the coordinates specified by the position information are included in the planned place range.

  Further, in order to identify the color that is the basis of the clothes of the trader, the normal trade determination unit 113 selects a color in a predetermined range from the video information related to the form of the trader acquired by the imaging unit 250 of the external support terminal 200. Use to identify.

  When the transaction environment is not as planned (in the case of “No” in step S103), the normal transaction determination unit 113 advances the control to step S108 described later, and ends the transaction process. In this case, in step S108, the transaction processing unit 114 stores the transaction suspension reason (for example, “the transaction place is not as scheduled”) in the transaction type 124E of the transaction history storage unit 124.

  If the transaction environment is as scheduled (“Yes” in step S103), the transaction processing unit 114 performs transaction processing (step S104). Then, the transaction processing unit 114 determines whether or not all the transaction processing for the eaves has been completed (step S105). If all the transactions of the eaves identified in step S102 have not ended (in the case of “No” in step S105), transaction processing unit 114 returns control to step S104.

  When all the transaction processing for the eaves has been completed (in the case of “Yes” in step S105), the signature processing unit 115 performs signature processing described later (step S106).

  Then, the signature processing unit 115 updates the signature (step S107), and the transaction processing unit 114 records the contents of the transaction in the transaction history (step S108). Specifically, the signature processing unit 115 adds the signature data received in step S106 to the signature storage unit 123, and the transaction processing unit 114 adds the contents of the transaction to the transaction history storage unit 124.

  The above is the flow of transaction processing. According to the transaction processing, since the transaction support terminal 200 can be used to normally process only a transaction that matches the schedule, a transaction with higher reliability can be executed.

  FIG. 10 is a diagram showing a flow of signature processing. The signature process is started in step S106 of the transaction process.

  First, the signature processing unit 115 accepts a signer's selection (step S201). Specifically, the signature processing unit 115 receives the date and time related to the transaction or customer information of the account holder who performs the transaction from the external support terminal 200, and is temporarily reserved as a person constituting the account holder's eaves and the transaction An agent is extracted as a signer candidate so that it can be selected, and the selection is accepted through the external support terminal 200.

  Then, the signature processing unit 115 receives a signature input by handwriting (step S202). Specifically, the signature processing unit 115 transmits a signature input screen 500 or a multi-transaction signature screen 600, which will be described later, to the public relations support terminal 200, and performs handwriting input with a touch pen or a fingertip to the signature field 502 or the signature field 602. Accept and perform a predetermined character recognition process. The multi-transaction signature screen 600 is output when a plurality of transactions are performed together, and the signature input screen 500 is output when the number of transactions to be performed is one.

  The signature processing unit 115 determines whether the agent has a signature history (step S203). Specifically, the signature processing unit 115 attempts to read out from the signature storage unit 123 signature data 123 </ b> B based on handwriting that has been input by a proxy (signer) in the past. At that time, the signature processing unit 115 reads the signature data 123B by searching the signer identifier 123A for information specifying the trader. If the number of readings is 0, the signature processing unit 115 determines that there is no signature history.

  When there is a signature history (in the case of “Yes” in step S203), the signature processing unit 115 determines whether or not the agent is acting for the account holder for the first time (step S204). ). Specifically, the signature processing unit 115 extracts the transaction history of the account holder related to the transaction from the transaction history storage unit 124, and determines that it is the first time when the agent 124F includes the information of the agent. . If it is the first time (“Yes” in step S204), the signature processing unit 115 advances the control to step S209 described later.

  If it is not the first time (in the case of “No” in step S204), the signature processing unit 115 identifies and displays a signature by the latest agent (step S205). Specifically, the signature processing unit 115 refers to the signature storage unit 123, extracts information having the signer identifier 123A of the agent, specifies the signature data 123B with the latest signature date and time 123C, and will be described later. Included in the display information of the signature display screen 700 to be displayed.

  The signature processing unit 115 collates the handwriting and displays the result (step S206). Specifically, the signature processing unit 115 collates the handwriting using the handwriting input information received in step S202 and the information of the latest signature by the agent identified in step S205, and uses a predetermined index. A value indicating coincidence is calculated. Then, the signature processing unit 115 displays information on a signature display screen 700 to be described later using a predetermined figure that is graphed so that the degree of matching can be discriminated according to the value indicating the calculated consistency or the number of the values. Include in

  Then, the signature processing unit 115 determines whether a transaction confirmation instruction has been accepted (step S207). Specifically, the signature processing unit 115 determines whether or not an input related to a transaction confirmation instruction has been received on the signature display screen 700.

  When a transaction confirmation instruction is received (in the case of “Yes” in step S207), transaction processing unit 114 confirms the transaction (step S208). Specifically, the transaction processing unit 114 causes the transaction processing being executed to be executed until completion. Then, the signature processing unit 115 ends the signature processing.

  If the agent has no signature history (in the case of “No” in step S203), or if the proxy of the account holder is the first time (in the case of “Yes” in step S204), the signature processing unit 115 The signature data is transmitted to the account holder (step S209). Specifically, the signature processing unit 115 stores, in a predetermined format, data including the signature input data received in step S202 to the account holder terminal 300 possessed by the account holder or a predetermined e-mail address, account, and the like. Send (e.g., via HTML email).

  Then, the signature processing unit 115 determines whether or not the signature is approved within a predetermined time (step S210). Specifically, the signature processing unit 115 checks from time to time whether an input of an approval instruction accompanying the signature data transmitted to the account holder terminal 300 is received from the account holder terminal 300 until a predetermined time elapses. If there is approval (in the case of “Yes” in step S210), the control proceeds to step S207.

  If the signature is not approved within the predetermined time (“No” in step S210), it is determined whether or not the call has been answered within the predetermined time (step S211). Specifically, the signature processing unit 115 makes a call to the account holder terminal 300 or a telephone number capable of making a voice call with a predetermined account holder, and whether the call is answered (call established) within a predetermined time. Determine whether or not.

  If there is a call response within the predetermined time (in the case of “Yes” in step S211), the signature processing unit 115 advances the control to step S207.

  When there is no call response within a predetermined time (in the case of “No” in step S211) or in the case where a transaction confirmation instruction is not received (in the case of “No” in step S207), the transaction processing unit 114 The transaction is terminated (step S212). Specifically, the transaction processing unit 114 cancels and ends the transaction processing being executed. Then, the signature processing unit 115 ends the signature processing. In this case, in step S107 of the transaction process, the signature processing unit 115 does not update the signature in step S107, and in step S108 of the transaction process, the transaction processing unit 114 stores the transaction in the transaction history storage unit 124. The reason for canceling the transaction (for example, “the transaction place is not as scheduled”) is stored in the type 124E.

  The above is the flow of signature processing. According to the signature processing, it is possible to compare the signature data input using the foreign exchange support terminal 200 with a past signature, and the correctness of the signature can be easily confirmed visually and by an index value. In addition, if there is no past signature data, the signature data is transmitted to the account holder terminal 300 and visually confirmed by the account holder, or by telephone and received verbally, Since the correctness can be confirmed, it is possible to carry out a transaction with higher reliability.

  FIG. 11 is a diagram illustrating an output screen example of the transaction application process. An output screen example of the transaction application process is a transaction application screen 400. The transaction application screen 400 is a screen for generating request data that is accepted in step S001 of the transaction application process. In the transaction application screen 400 in the present embodiment, the Internet browser of the account holder terminal 300 performs event control. However, the present invention is not limited to this, and the account holder terminal 300 controls according to the realization format. Anything that performs

  The transaction application screen 400 includes a customer name 401, a desired transaction date 402, a transaction time 403, a transaction location selection 404, a transaction type selection 405, a transaction selection 406, a transaction clothing color selection 407, and a handling amount. 408 and an input receiving area. In addition, on the transaction application screen 400, an application instruction reception button 409, a transaction application addition instruction reception button 410, and a return button 411 are displayed.

  When the application instruction reception button 409 receives an input, the browser creates transaction application request data using the information input in the input reception area and transmits it to the transaction management apparatus 100. When the transaction application addition instruction acceptance button 410 accepts input, the browser creates transaction application request data using information input in the input acceptance area, and displays a new input acceptance area to display an additional transaction application. Accept. When the return button 411 receives an input, the browser returns the process to the screen before the transaction application screen 400 is displayed.

  FIG. 12 is a diagram illustrating another output screen example of the transaction application process. Another output screen example of the transaction application process is a temporary agent setting screen 450. Temporary agent setting screen 450 is a screen for accepting the setting of the temporary agent transmitted in step S003 of the transaction application process. In the temporary agent setting screen 450 in the present embodiment, the Internet browser of the account holder terminal 300 performs event control. However, the present invention is not limited to this, and the account holder terminal 300 is not limited to this. As long as it performs control.

  The temporary agent setting screen 450 includes an input reception area for a customer name 451, a temporary agent name 452, and a relationship 453 with the customer. The temporary agent setting screen 450 displays an application instruction reception button 459, a transaction application addition instruction reception button 460, and a return button 461.

  When the application instruction reception button 459 receives an input, the browser creates transaction application request data using the information input in the input reception area and transmits it to the transaction management apparatus 100. When the transaction application addition instruction acceptance button 460 accepts an input, the browser creates transaction application request data using information input in the input acceptance area, and displays a new input acceptance area to display an additional transaction application. Accept. When the return button 461 receives an input, the browser returns the process to the screen before the temporary agent setting screen 450 is displayed.

  FIG. 13 is a diagram illustrating an example of an output screen for signature processing. An example of an output screen for signature processing is a signature input screen 500. The signature input screen 500 is a screen for transmitting the handwriting input information received in step S202 of the signature processing to the transaction management apparatus 100. In the signature input screen 500 according to the present embodiment, the Internet browser of the external support terminal 200 performs event control. However, the present invention is not limited to this, and the external support terminal 200 performs control according to the implementation format. Anything is acceptable.

  The signature input screen 500 includes a display area for a transaction content display area 501 for displaying information including a customer name, a signer, a transaction, and a handling amount, and a signature field 502 for receiving handwriting input data. The signer displays the name of the person who was previously set in the transaction reservation as the signer, or the name of the trader if there is an input in step S201. In addition, a return button 503 and a signature confirmation instruction acceptance button 504 are displayed on the signature input screen 500.

  When the signature field 502 accepts handwritten input, the browser starts processing to accept the input as handwriting data. When the signature confirmation instruction acceptance button 504 accepts an input, the browser transmits the handwriting data input in the signature column 502 to the transaction management apparatus 100. When the return button 503 receives an input, the browser returns the process to the screen before the signature input screen 500 is displayed.

  FIG. 14 is a diagram illustrating another output screen example of the signature processing. Another example of an output screen for signature processing is a multiple transaction signature screen 600. The multi-transaction signature screen 600 is a screen for transmitting handwriting input information received in step S202 of the signature processing to the transaction management apparatus 100 when a plurality of transactions are performed together. In the multi-transaction signature screen 600 in the present embodiment, the Internet browser of the external support terminal 200 performs event control. However, the present invention is not limited to this, and the external support terminal 200 performs control according to the realization format. Whatever you do.

  The multi-transaction signature screen 600 includes display areas for a transaction content display area 601 for displaying information including a customer name, a transaction, a handling amount, and a signer, and a signature field 602 for receiving handwriting input data. Prepare. The signer displays the name of the person who was previously set in the transaction reservation as the signer, or the name of the trader if there is an input in step S201. Further, on the multi-transaction signature screen 600, a return button 603 and a signature confirmation instruction acceptance button 604 are displayed.

  When the signature field 602 accepts handwritten input, the browser starts processing to accept the input as handwriting data. When the signature confirmation instruction acceptance button 604 accepts input, the browser transmits the handwriting data input in the signature field 602 to the transaction management apparatus 100. When the return button 603 receives an input, the browser returns the processing to the screen before the multi-transaction signature screen 600 is displayed.

  FIG. 15 is a diagram illustrating another output screen example of the signature processing. Another output screen example of the signature processing is a signature display screen 700. The signature display screen 700 displays the handwriting input information received in step S202 of the signature processing, the latest signature data specified in step S205, and information indicating the degree of coincidence of the handwriting calculated in step S206. It is a screen which is shown on the support terminal 200 and accepts a transaction confirmation instruction. In the signature display screen 700 in this embodiment, the Internet browser of the external support terminal 200 performs event control. However, the present invention is not limited to this, and the external support terminal 200 performs control according to the implementation format. Anything is acceptable.

  The signature display screen 700 includes a signature management information display area 701 for displaying information including a customer name and a signer, a previous signature display area 702 for displaying the latest signature data, and input handwritten data. The display area includes a current signature display area 703 for displaying an image, and a consistency display area 704 for displaying a degree of coincidence in a graph (barometer). The signer displays the name of the person who was previously set in the transaction reservation as the signer, or the name of the trader if there is an input in step S201. Further, on the signature display screen 700, a return button 705, a transaction confirmation instruction reception button 706, and a customer confirmation request instruction reception button 707 are displayed.

  When transaction confirmation instruction acceptance button 706 accepts an input, the browser transmits a transaction confirmation instruction to transaction management apparatus 100. When the return button 705 receives an input, the browser returns the process to the screen before the multi-transaction signature screen 600 is displayed. The customer confirmation request instruction acceptance button 707 accepts an instruction to transfer control to step S209 of the signature process when it is necessary to transmit signature data to the account holder terminal 300 and obtain approval. In that case, the transaction management apparatus 100 advances the control to step S209 of the signature process for the transaction.

  FIG. 16 is a diagram illustrating an example of a signature confirmation screen for signature processing. The signature confirmation screen 800 is a screen that shows the input information of the handwriting accepted in step S202 of the signature processing to the account holder terminal 300 and accepts a signature approval instruction. In the signature confirmation screen 800 according to the present embodiment, the Internet browser of the account holder terminal 300 performs event control. However, the present invention is not limited to this, and the account holder terminal 300 controls the event according to the realization format. Anything that performs

  The signature confirmation screen 800 includes a signature management information display area for displaying information including a customer name display area 801, a trader display area 802, and a signature display area 803 for displaying the input signature handwritten data as an image. , An explanation area 804 showing a description of the signature and an operation to be performed by the account holder, and a display area. In the trader display area 802, the name of a person set in advance as a signer in the transaction reservation, or the name of the trader if input in step S201 is displayed. Further, on the signature confirmation screen 800, a return button 807, a signature approval instruction reception button 805, and a signature rejection instruction reception button 806 are displayed.

  When the signature approval instruction acceptance button 805 accepts the input, the signature approval instruction acceptance button 805 transmits an instruction to approve the signature to the transaction management apparatus 100. When an input is accepted, the return button 807 returns the processing to the screen before the signature confirmation screen 800 is displayed. When the signature rejection instruction acceptance button 806 accepts an input, the browser transmits an instruction to approve the signature to the transaction management apparatus 100.

  FIG. 17 is a diagram illustrating an example of a signature determination screen for signature processing. The signature determination screen 900 is another output example of the signature confirmation screen 800. The signature determination screen 900 stores the input information of the handwriting accepted in step S202 of the signature processing, the latest signature data specified in step S205, and the information indicating the degree of coincidence of the handwriting calculated in step S206. This is a screen that is displayed on the holder's terminal 300 and accepts a signature approval instruction. In the signature determination screen 900 according to the present embodiment, the Internet browser of the account holder terminal 300 performs event control. However, the present invention is not limited to this, and the account holder terminal 300 performs control according to the implementation format. Anything that performs

  The signature determination screen 900 includes a signature management information display area for displaying information including the customer name 901 and the trader 902, a previous signature display area 903 for displaying the latest signature data, and input handwriting data. Are displayed in this image display area 904 and a consistency display area 905 in which the degree of consistency is displayed in a graph (barometer). The trader displays the name of the person who was previously set in the transaction reservation as the signer, or the name of the trader if there is an input in step S201. Further, on the signature determination screen 900, a return button 908, a signature approval instruction reception button 906, and a signature rejection instruction reception button 907 are displayed.

  When the signature approval instruction reception button 906 receives an input, the browser transmits an instruction to approve the signature to the transaction management apparatus 100. When the return button 908 receives an input, the browser returns the processing to the screen before the signature determination screen 900 is displayed. When the signature rejection instruction reception button 907 receives an input, the browser transmits an instruction to reject the signature to the transaction management apparatus 100.

  The transaction management system 1 to which the embodiment according to the present invention is applied has been described above. According to the embodiment, the reliability of transactions can be improved.

  The present invention is not limited to the above embodiment. The above embodiment can be variously modified within the scope of the technical idea of the present invention. For example, in the above embodiment, in order to confirm the legitimacy of the transaction, the contents of the transaction set in advance, the trader and the transaction place are limited, and the probability of the signature is confirmed by comparing with the past signature. However, it is possible to check with the account holder, but this is not a limitation. For example, in addition, verbal password including whether or not the voiceprint of the trader is similar to a pre-registered voiceprint, the retina authentication of the trader, authentication to read a physical IC card or memory, fingerprint authentication, etc. The legitimacy of the agent may be confirmed in association with various security confirmation elements.

  For example, the legitimacy of a staff member in charge of public relations may be confirmed. For example, it may be determined whether the IC card (certificate that can be used for identification) held by the employee matches that of the employee who is scheduled to be in charge of the transaction in advance, or the manager or manager at the start of the transaction. The transaction processing may be started only when the person is notified and approved. By doing so, staff impersonation, fictitious transactions, and moral hazard can be prevented.

  Further, for example, the external support terminal 200 is not limited to the one that communicates with the transaction management apparatus 100 in real time. For example, a part of the transaction is performed on the terminal without communication, and the transaction management is performed for a part that is not processed. You may implement when communicating with the apparatus 100. FIG. In that case, the past signature data by the trader is fetched together with the trade schedule when fetched into the external support terminal. Further, in the case of custody work or the like, the foreign exchange support terminal 200 can output form data such as a custody slip for certifying that the deposit has been made from a printer or the like connected to the foreign exchange support terminal 200.

  Further, for example, in the above embodiment, the signature display screen 700 shown in FIG. 15 and the signature determination screen 900 shown in FIG. 17 may display not only the previous signature but also a plurality of past signatures of the signer. By doing so, it is possible to visually check the fluctuation of the handwriting related to the signature, and it can be used as a material for judging the validity of the handwriting of the signature this time.

  Further, for example, in the above-described embodiment, the signature display screen 700 shown in FIG. 15 and the signature determination screen 900 shown in FIG. Alternatively, they may be combined and displayed. This is because the handwriting can be confirmed by acclimatizing the fluctuation of the handwriting related to the signature, and can be used as a material for determining the validity of the handwriting of the signature this time.

  Furthermore, in the above-described embodiment, on the signature display screen 700 shown in FIG. 15 and the signature determination screen 900 shown in FIG. 17, the consistency with the average or synthesized signature may be displayed. By doing so, it becomes possible to confirm the consistency of the handwriting by accustoming the fluctuation of the handwriting related to the signature, and can be used as a material for judging the validity of the handwriting of the signature this time.

  Further, the technical elements of the above-described embodiments may be applied independently, or may be applied by being divided into a plurality of parts such as program parts and hardware parts.

  In the above, this invention was demonstrated centering on embodiment.

DESCRIPTION OF SYMBOLS 1 ... Transaction management system, 50 ... Network, 100 ... Transaction management apparatus, 110 ... Control part, 111 ... Transaction reservation reception part, 112 ... Schedule interlocking process part, 113 ... Normal transaction determination unit, 114 ... transaction processing unit, 115 ... signature processing unit, 120 ... storage unit, 121 ... transaction reservation storage unit, 122 ... schedule storage unit, 123 ... Signature storage unit 124 ... Transaction history storage unit 130 ... Communication unit 200 ... Foreign exchange support terminal 210 ... Display unit 220 ... Input reception unit 230 ... Communication unit 240 .. Position acquisition unit, 250.

Claims (8)

A storage unit that electronically stores the handwritten signature information of the trader for each trader who conducts the transaction on behalf of the account holder who is the holder of the account in the transaction relating to the account;
A transaction reservation accepting unit that accepts a reservation together with information specifying the situation at the time of the transaction,
A normal transaction determination unit that determines whether or not the situation is satisfied for the transaction;
A transaction processing unit that processes the transaction when the situation is satisfied;
A signature processing unit that accepts an input of a handwritten signature by the trader during the transaction process,
The signature processing unit
Upon receiving the input of the handwritten signature, the past handwritten signature information relating to the transaction is read from the storage unit, and an output screen for generating a comparison with the handwritten signature is generated.
A transaction management apparatus characterized by that. The transaction management device according to claim 1,
If the past handwritten signature information relating to the transaction is not included in the storage unit, the signature processing unit can browse the received handwritten signature to another predetermined device owned by the account holder. Send,
A transaction management apparatus characterized by that. The transaction management device according to claim 1,
The signature processing unit
If the input of information indicating approval of the transaction is not accepted within a predetermined period in response to the input of the handwritten signature, a call is made to a predetermined voice call device possessed by the account holder,
A transaction management apparatus characterized by that. The transaction management device according to claim 3,
The signature processing unit causes the transaction processing unit to process the transaction when a response to the call is made within a predetermined period,
The transaction processing unit cancels the transaction when a response to the call is not made within the predetermined period.
A transaction management apparatus characterized by that. The transaction management device according to claim 1,
The signature processing unit calculates a predetermined index indicating a degree of coincidence between the input of the handwritten signature and the past handwritten signature information, and includes the index in the output screen;
A transaction management apparatus characterized by that. The transaction management device according to claim 5,
The signature processing unit uses the index to include a display graphed so that the degree of matching can be determined in the output screen.
A transaction management apparatus characterized by that. The transaction management device according to claim 1,
The signature processing unit generates a predetermined graphic that highlights a portion different from the input of the handwritten signature and the past handwritten signature information, and includes it in the output screen.
A transaction management apparatus characterized by that. A transaction management method using a transaction management device,
The transaction management device includes a control unit and a storage unit,
The storage unit electronically stores the trader's handwritten signature information for each trader who conducts the transaction on behalf of the account holder who is the holder of the account in the transaction related to the account,
The controller is
A transaction reservation accepting step for accepting a reservation and storing it in the storage unit together with information specifying the situation at the time of the transaction for a predetermined transaction;
A normal transaction determination step for determining whether or not the situation relating to the reservation is satisfied for the transaction;
A transaction processing step for processing the transaction when the situation is satisfied;
Performing a signature processing step of accepting an input of a handwritten signature by a trader in the course of the transaction,
In the signature processing step,
Upon receiving the input of the handwritten signature, the past handwritten signature information relating to the transaction is read from the storage unit, and an output screen for generating a comparison with the handwritten signature is generated.
A transaction management method characterized by that.

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