JP3833604B2 - Transfer request method - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention is a transfer request method used when making a transfer using a deposit account. To the law It is related.
[0002]
[Prior art]
Today, cash is often withdrawn or transferred using a bank account opened at a financial institution. When making a transfer to a recipient's deposit account, etc., a transfer request form provided by a financial institution is usually used. Such a transfer request form is submitted to a financial institution or the like to request a transfer process.
[0003]
On the other hand, when making a transfer using a deposit account, a financial institution may provide a facsimile service in order to speed up the paperwork (see Patent Document 1). In this facsimile service, a dedicated transfer request form is transmitted to a financial institution by facsimile. The financial institution receiving this facsimile performs character recognition using so-called OCR processing or the like.
[0004]
As described above, by using the facsimile service, it is possible to efficiently request transfer processing or the like without going to a financial institution store. Also, since financial institutions perform character recognition by OCR processing or the like, it is possible to efficiently generate transfer request data based on the received facsimile.
[0005]
[Patent Document 1]
JP 7-89261 A (first page)
[0006]
[Problems to be solved by the invention]
However, since there is a limit to the character recognition accuracy in OCR processing and the like, there are cases where characters in the transfer request received by the facsimile service are erroneously recognized. In such a case, the person in charge of the financial institution or the transfer requester needs to perform correction work.
[0007]
For this reason, it is also conceivable to transmit the transfer request data directly via a network such as the Internet. However, unlike a public line such as a facsimile, a network such as the Internet has low reliability. Therefore, there are cases where network connection cannot be made when it is desired to make a transfer request. In such a case, there may be a situation in which the transfer request to the financial institution is delayed.
[0008]
The present invention has been made to solve the above-described problems, and a transfer request method and a transfer request program capable of efficiently requesting a transfer process in accordance with the network connection status of a user's computer terminal. Is to provide.
[0009]
[Means for Solving the Problems]
In order to solve the above problems, the invention described in claim 1 is a management computer of a financial institution system provided with an electronic form data storage unit storing a transfer request program in association with a version identifier, the management computer and a network And a transfer request displayed by a transfer request program stored in the client terminal, wherein the transfer request is transmitted using a client terminal that stores the transfer request program. A request form generation stage that receives input of each item of the document image and generates transfer request document data; and when an application instruction is accepted after completion of the input of each item of the transfer request document image, the financial institution is connected to the network Check if the transfer request can be sent to the system If available, the transfer request form data includes the transfer request program version identifier, and sends the transfer request generated based on the transfer request form data to the financial institution system via the network, If the network cannot be used, the financial institution system executes a transfer request step of transmitting a facsimile form capable of character recognition to the financial institution system based on the transfer request form data, and the financial institution When the system management computer checks whether the version of the transfer request program is the latest version using the version identifier included in the transfer request data received via the network, and if the version of the transfer request program is not the latest version, Transfer the latest version When the program is extracted from the electronic form data storage unit and the transfer request program is transmitted to the client terminal, and the facsimile is received, the character recognition of the facsimile is executed by the OCR process, and the area of the transfer request content input field If the sender account identifier described in the above cannot be recognized, there is a reading error in the OCR process, and the sender can be identified based on the OCR process in the facsimile user column, the sender is notified that there is a reading error. And the latest version Transfer request program Is extracted from the electronic form data storage Facsimile number of the caller who specified the electronic form If the caller cannot be identified based on the OCR process, the gist is to output a content confirmation alarm.
[0015]
(Function)
Claim 1 According to the invention described above, first, the computer generates transfer request data. In addition, the computer checks the network connection status. When the network can be used, a transfer request generated based on the transfer request form data is transmitted to the financial institution system via the network. On the other hand, if the network cannot be used, the financial institution system executes a facsimile output process capable of character recognition based on the transfer request form data. For this reason, the computer changes the method of requesting the transfer process to the financial institution system in accordance with the network connection status. Therefore, it is possible to make a transfer request more reliably.
[0016]
Book According to the invention, the transfer request includes a version identifier of the transfer request program that created the transfer request form data in order to request an available transfer request program. Therefore, the financial institution system can grasp the version of the transfer request program being used. In particular, if the format of the transfer request form differs depending on the version of the transfer request program, it may be difficult to recognize the received facsimile characters. Therefore, such a situation can be prevented by providing an available transfer request program to the computer as necessary.
[0017]
Book According to the invention, the facsimile output process includes a facsimile transmission process for the financial institution system. For this reason, even when the transfer request cannot be transmitted to the financial institution system via the network, the transfer request can be efficiently transmitted using the facsimile.
[0018]
DETAILED DESCRIPTION OF THE INVENTION
DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. In the present embodiment, a transfer request method and a transfer request program used when a user who has a deposit account in a financial institution makes a transfer request using his / her own computer terminal will be described. In this embodiment, a financial institution provides a service for accepting a transfer request from a user's computer terminal via a network. When making this transfer request, as shown in FIG. 1, the user uses a client terminal 10 as a computer.
[0019]
The client terminal 10 is a computer terminal used when creating a request form (transfer request form) for making a transfer request to a financial institution. The client terminal 10 includes a CPU, a RAM, a ROM, and the like (not shown), and performs processing described later (processing including a request form generation stage, a transfer request stage, etc.). By executing an electronic form as a transfer request program for that purpose, the client terminal 10 functions as a request form generation unit, a transfer request unit, and the like. This electronic form is used to generate transfer request form data.
[0020]
The client terminal 10 includes a transfer request data storage unit 11. As shown in FIG. 2, the transfer request data storage unit 11 stores transfer request data 110 relating to a transfer request document created by the user using the client terminal 10. The transfer request data 110 is recorded when the user executes a storage function included in the electronic form. In the transfer request data 110, for each transfer request document, data relating to the transfer designated date, user identification information, transfer destination account identifier, and transfer request amount are recorded in association with each other.
[0021]
In the transfer designated date data area, data related to the date requested by the user for the transfer set using the electronic form is recorded.
Data relating to information for specifying a user is recorded in the user specifying information data area. This user specifying information includes information on the user facsimile number, user name, user number, and contact telephone number.
[0022]
In the transfer account identifier data area, data relating to an identifier for specifying the deposit account of the transfer destination is recorded. In the present embodiment, the transfer account identifier data includes data relating to a transfer institution's financial institution, branch, deposit item, account number, and the like.
[0023]
In the transfer amount data area, data relating to the amount of money to be transferred is recorded. Here, for example, data relating to the transfer request amount (i) to be transferred to the account of the transfer destination account identifier (i) recorded in the transfer destination account identifier data area is recorded in the transfer amount data area (where i = 1). ~ N). N is the number of transfer requests included in one transfer request form. In It is decided accordingly.
[0024]
Further, as shown in FIG. 1, the client terminal 10 is connected to the financial institution system 20 via the Internet I as a network. The financial institution system 20 is a computer system that receives various processing requests from the client terminal 10 and performs various data processing related to the operations of the financial institution such as deposit account management. The financial institution system 20 includes a management computer 21. The management computer 21 transmits / receives data to / from the client terminal 10 and manages various data for processing user requests. The management computer 21 has a CPU, RAM, ROM, etc. (not shown), and performs processing described later.
[0025]
The financial institution system 20 includes an electronic form data storage unit 22 and an account management data storage unit 23.
In the electronic form data storage unit 22, data relating to an electronic form as a transfer request program described later is recorded. This electronic form is a tool for realizing work such as request application, which has conventionally been performed in paper forms, on a network such as the Internet. In the present embodiment, the electronic form is configured with a web base (here, HTML). Here, the electronic form has functions such as input, calculation, and output. Furthermore, in order to reduce the load at the time of input, it has an input navigation function, a data incorrect input check function, an automatic calculation function, and the like. In the present embodiment, the electronic form data storage unit 22 stores a version identifier for identifying the electronic form together with an available transfer request program (electronic form).
[0026]
In the account management data storage unit 23, as shown in FIG. 3, account management data 230 relating to the deposit account of the user of this service is recorded. The account management data 230 is set when an application for use of the service is made. In the account management data 230, data relating to a user number, a deposit account identifier, a personal identification number, a name, a facsimile number, and a contact telephone number is recorded in association with each other.
[0027]
Data relating to an identifier for identifying the user is recorded in the user number data area. As this user number, a number assigned by a financial institution for each user is used.
[0028]
In the deposit account identifier data area, data relating to an identifier for specifying a deposit account is recorded. In the present embodiment, the deposit account identifier data is configured to include data related to branch names, deposit types, account numbers, and the like.
[0029]
In the personal identification number data area, data relating to a personal identification number used when using this service is recorded.
In the name data area, data related to the name of the user of the service is recorded.
[0030]
Data relating to the facsimile number of the user of this service is recorded in the facsimile number data area. This facsimile number is used when the financial institution transmits a confirmation facsimile. Data relating to the telephone number of the user of the service is recorded in the contact telephone number data area.
[0031]
A processing procedure in the case of using this service in the system configured as described above will be described. Here, description will be made in the order of the use application stage of this service, the creation stage of a transfer request form, the reception stage of transfer request data, and the reception stage of a facsimile form.
[0032]
(Use application stage)
First, a deposit account holder having a deposit account of a financial institution applies to the financial institution to use this service. This application for use includes information on a deposit account identifier in which the user is a holder, a personal identification number used when using the service, a facsimile number of the user, and a contact telephone number.
[0033]
The financial institution that accepts the use application gives a user number to the use application. The financial institution records various information in the account management data storage unit 23. Further, the financial institution notifies the applicant of the assigned user number. As a result, the service can be used.
[0034]
(Transfer request form creation stage)
First, the user transmits a request for an electronic form to the financial institution system 20 using the client terminal 10 (S1-1). This request is made using data relating to the user number and password.
[0035]
The management computer 21 that has received this request via the Internet I performs user authentication using the user number and the password. Then, after the user authentication is completed, the management computer 21 extracts the latest electronic form from the electronic form data storage unit 22. Then, the management computer 21 provides an electronic form to the client terminal 10 via the Internet I (S1-2).
[0036]
The client terminal 10 records the received electronic form in a predetermined data storage unit in the client terminal 10 (S1-3). As a result, the user can use the electronic form using the client terminal 10.
[0037]
Next, a case where the user makes a transfer request will be described. First, a transfer request form (transfer request form data) is generated using an electronic form stored in the client terminal 10 (S1-4). In this case, there are a method of creating a new transfer request document and a method of using a previously created transfer request document.
[0038]
When creating a new transfer request form, first, the electronic form recorded in the client terminal 10 is activated. In this case, a display screen 500 shown in FIG. 7 is output on the display of the client terminal 10. The display screen 500 includes a save button 501, a read button 502, an application button 503, and a print button 504. The save button 501 is used when data relating to the created transfer request document is stored in the transfer request data storage unit 11. A read button 502 is used when reading data relating to a saved transfer request form. For example, it is used when reusing transfer request documents created in the past. The application button 503 is used when executing a transfer request. A print button 504 is used to print the displayed transfer request form.
[0039]
Further, the display screen 500 includes a transfer request document image 505. This transfer request document image 505 is displayed in the format of the transfer request document output at the time of printing. This transfer request form image 505 includes a user field 511. The user field 511 includes a user facsimile number input field, a user name input field, a user number input field, and a contact telephone number input field. In these input fields, letters, numbers, etc. can be input using a keyboard or the like.
[0040]
Further, the transfer request document image 505 includes a transfer request content input field 515. In this embodiment, the transfer request form image 505 is provided with five transfer request content input fields 515. That is, five transfer requests can be set in the transfer request document image 505. In the display screen 500 of FIG. 7, only two transfer request content input fields 515 are displayed. When the other transfer request content input field 515 is displayed, the display area of the transfer request document image 505 is changed by moving the scroll bar 506 of the display screen 500.
[0041]
The transfer request content input field 515 includes an account specifying field 516 for specifying a transfer destination account and a transfer amount input field 517. Characters, numbers, and the like can be input to these input fields using a keyboard or the like.
[0042]
The user inputs predetermined items in the user column 511 and inputs the transfer request content input column 515 for the required number of transfer requests. When there is a possibility of using this transfer request form again, such as when transferring money again to the same bank account, the save button 501 is pressed. In this case, the client terminal 10 records various data included in the transfer request document image 505 in the transfer request data storage unit 11. The transfer destination account identifier (n) and the transfer amount (n) of the transfer request data 110 are recorded for the number of transfer requests set in the transfer request document image 505.
[0043]
On the other hand, when using a transfer request form created previously, an electronic form is first activated and a display screen 500 is displayed. Then, the read button 502 is pressed. In this case, the client terminal 10 extracts the transfer request data 110 recorded in the transfer request data storage unit 11 and outputs a transfer request document image 505. When a plurality of transfer request data 110 is recorded in the transfer request data storage unit 11, a list of transfer request data 110 is displayed. The user selects a transfer request form to be used using this list.
[0044]
When the read button 502 is used in this way, each data included in the selected transfer request data 110 is displayed in the transfer request document image 505. Then, the user can modify and use the displayed transfer request document image 505 as necessary.
[0045]
When the input of each item of the transfer request form image 505 is completed, an application button 503 is pressed. In this case, the client terminal 10 checks whether or not the transfer request can be transmitted via the Internet I (S1-5).
[0046]
When it is possible to connect to the Internet I and data can be transmitted to the financial institution system 20 via the Internet I (“Yes” in step (S1-5)), the client terminal 10 generates transfer request data (S1). -6). This transfer request data includes data related to the user number, transfer destination account identifier, and transfer amount set using the transfer request document image 505. Further, the client terminal 10 includes version information (version identifier) of the used electronic form in the transfer request data. Then, the client terminal 10 transmits the transfer request data to the financial institution system 20 via the Internet I (S1-7).
[0047]
On the other hand, when the client terminal 10 cannot connect to the Internet I and cannot transmit data to the financial institution system 20 via the Internet I (in the case of “No” in step (S1-5)), the client terminal 10 Is generated (S1-8). Specifically, the client terminal 10 generates data for printing the transfer request document image 505 included in the display screen 500. Then, the client terminal 10 prints the generated facsimile form (S1-9).
[0048]
(Processing at the receipt stage of transfer request data)
Next, the process of receiving the transfer request data will be described with reference to FIG. This process is executed when the management computer 21 receives transfer request data from the client terminal 10 in step (S1-7) shown in FIG.
[0049]
The management computer 21 confirms the version of the electronic form that created the transfer request data (S2-1). Specifically, the management computer 21 uses version information included in the transfer request data. Then, the management computer 21 checks whether the electronic form of the client terminal 10 is the latest version based on the version information.
[0050]
When the electronic form used to create the transfer request data is the latest version (in the case of “Yes” in step (S2-1)), the management computer 21 generates confirmation facsimile data based on the received transfer request data. (S2-3). Then, the management computer 21 transmits the generated confirmation facsimile to the user's facsimile terminal (S2-4). This confirmation facsimile is transmitted to the user's facsimile terminal through the public line.
[0051]
On the other hand, when the electronic form is not the latest version (in the case of “No” in step (S2-1)), the management computer 21 extracts the latest version of the electronic form from the electronic form data storage unit 22, and this electronic form is the client terminal. 10 (S2-2). Then, the management computer 21 generates confirmation facsimile data based on the received transfer request data (S2-3). Then, the confirmation facsimile is transmitted to the user's facsimile terminal (S2-4). With the above, processing at the stage of receiving transfer request data The finish.
[0052]
The user who receives this confirmation facsimile confirms the contents of the transfer request using the confirmation facsimile. The confirmation result is notified to the financial institution. Note that. If there are corrections, notify them including the correction instructions. Based on this notification, the financial institution performs a transfer process.
[0053]
(Facsimile form reception stage processing)
Next, processing in the facsimile form reception stage will be described with reference to FIG. In step (S1-9) shown in FIG. 4, the user transmits the facsimile form output from the client terminal 10 to the financial institution. The following processing is executed based on the facsimile received by the management computer 21.
[0054]
Receiving the facsimile, the management computer 21 executes facsimile character recognition by OCR processing (S3-1). In the present embodiment, character recognition of characters included in the areas of the facsimile user column 511 and the transfer request content input column 515 is performed.
[0055]
Next, the management computer 21 checks whether or not there is a reading error in the OCR process (S3-2). Specifically, the management computer 21 describes in the area of the transfer request content input field 515. The Confirm whether the characters such as the transferred bank account identifier have been recognized. Further, the management computer 21 confirms whether the user identification information in the user column 511 is recorded in the account management data storage unit 23. If there is no reading error (“Yes” in step (S3-2)), the management computer 21 transmits a confirmation facsimile to the user's facsimile terminal (S3-3). This confirmation facsimile is generated based on the contents of the transfer request form that has been recognized by the OCR process.
[0056]
On the other hand, when there is a reading error (in the case of “No” in step (S3-2)), the process differs depending on whether or not the caller can be specified based on the OCR process (S3-4). If the caller can be specified (“Yes” in step (S3-4)), the caller is notified that there is a reading error (S3-5). In this case, the management computer 21 further extracts the latest version of the electronic form from the electronic form data storage unit 22. Then, the management computer 21 transmits this electronic form to the client terminal 10.
[0057]
When the caller cannot be specified (in the case of “No” in step (S3-4)), the management computer 21 outputs a content confirmation alarm (S3-6). Thereby, the person in charge of the financial institution can grasp that the facsimile that needs to be handled has been received.
[0058]
As described above, according to the present embodiment, the following effects can be obtained.
In the above embodiment, the client terminal 10 checks whether or not a transfer request can be transmitted via the Internet I. Therefore, the client terminal 10 can grasp the network connection status and make a transfer request according to this status.
[0059]
In the above embodiment, when the application button 503 is pressed after completing the input of each item of the transfer request form image 505, the client terminal 10 checks whether or not the transfer request can be transmitted via the Internet I. To do. For this reason, when connection to the Internet I is possible and data can be transmitted to the financial institution system 20 via the Internet I, a transfer request can be made efficiently. Normally, erroneous recognition may occur when facsimile character recognition is performed by OCR processing. In the present embodiment, when the network can be used, the transfer request data can be transmitted directly to the financial institution system 20, so that the transfer request can be made efficiently.
[0060]
In the above embodiment, the client terminal 10 checks whether or not a transfer request can be transmitted via the Internet I. As a result, when the client terminal 10 cannot connect to the Internet I and cannot transmit data to the financial institution system 20 via the Internet I, the client terminal 10 generates a facsimile form. Then, the client terminal 10 prints the generated facsimile form. Therefore, the user can make a transfer request using a facsimile. A network such as the Internet I is usually less reliable than a public line, and network connection may be difficult. Therefore, even when the transfer request data cannot be transmitted via the network, the transfer request can be efficiently performed using the facsimile.
[0061]
In the above embodiment, the client terminal 10 includes the transfer request data storage unit 11. The transfer request data storage unit 11 stores transfer request data 110 related to a request related to a transfer request document created by the user using the client terminal 10. For this reason, the user can create a new transfer request form using the transfer request form created in the past. For example, there are cases where payment is repeatedly made to the same bank account, such as payment to an existing business partner. In such a case, a transfer request form can be created efficiently.
[0062]
In the above embodiment, the client terminal 10 records the electronic form received from the financial institution system 20 in a predetermined data storage unit in the client terminal 10. This eliminates the need for the user to obtain an electronic form each time a transfer request form is created.
[0063]
In the above embodiment, the client terminal 10 includes the version information of the used electronic form in the transfer request data transmitted to the financial institution system 20. Then, the management computer 21 confirms the version of the electronic form that created the transfer request data. When the electronic form is not the latest version, the management computer 21 extracts the latest version of the electronic form from the electronic form data storage unit 22 and transmits the latest electronic form to the client terminal 10. Accordingly, the user can create a transfer request form using the latest version of the electronic form.
[0064]
In particular, when the format of the transfer request form is changed, character recognition may become difficult in facsimile OCR processing. As described above, when the transfer request data is transmitted, the version is confirmed and updated to the latest version. Therefore, even when a facsimile is used, the transfer request can be made more reliably.
[0065]
In the above embodiment, the management computer 21 transmits the latest electronic form to the client terminal 10 only when the electronic form is not the latest version. For this reason, the electronic form is transmitted only when necessary, and the communication load can be reduced.
[0066]
In the above embodiment, when the electronic form is activated, the display screen 500 is displayed on the display of the client terminal 10. The transfer request document image 505 included in the display screen 500 is displayed in the format of the transfer request document output at the time of printing. For this reason, the user can create a transfer request form in the image of a facsimile form. Since the transfer request form image 505 and the output facsimile form are close to each other, it is possible to confirm the request contents relatively easily.
[0067]
In addition, you may change the said embodiment into the following aspects.
In the above embodiment, when the client terminal 10 cannot connect to the Internet I and cannot transmit data to the financial institution system 20 via the Internet I, the client terminal 10 generates a facsimile form. Then, the client terminal 10 prints the generated facsimile form. Alternatively, the client terminal 10 may directly send a facsimile to the financial institution system 20. In this case, the client terminal 10 stores a facsimile number of a financial institution used when a network connection is not possible. The financial institution system 20 functions as a facsimile terminal of the financial institution system. Thereby, a transfer request can be made without printing a transfer request form.
[0068]
In the above embodiment, the management computer 21 transmits the latest electronic form to the client terminal 10 only when the electronic form is not the latest version. Instead, the management computer 21 that has received the transfer request data may send the latest electronic form to the client terminal 10 each time the latest electronic form is sent. Thereby, an appropriate electronic form can be transmitted to the client terminal 10 without version management.
[0069]
In the above embodiment, when there is a reading error, it is confirmed whether or not the caller can be specified based on the OCR process. If the caller can be identified, the caller is notified that there is a reading error. Instead of this, the management computer 21 may perform notification according to the character recognition status. In this case, using the storage means that records the account information established in the financial institution, the account identifier of the transfer destination account that has been character-recognized is checked. If the number of matching matches is higher than a predetermined value, a confirmation facsimile of the transfer contents is transmitted to the caller. On the other hand, when the number of matching matches is lower than a predetermined value, the caller is notified or an alarm is output to the person in charge of the financial institution. Thereby, a transfer request can be processed efficiently.
[0070]
【The invention's effect】
As described above in detail, according to the present invention, it is possible to efficiently request a transfer process according to the network connection status of the user's computer terminal.
[Brief description of the drawings]
FIG. 1 is a system schematic diagram of an embodiment of the present invention.
FIG. 2 is an explanatory diagram of data recorded in a transfer request data storage unit.
FIG. 3 is an explanatory diagram of data recorded in an account management data storage unit.
FIG. 4 is an explanatory diagram of a processing procedure of the present embodiment.
FIG. 5 is an explanatory diagram of a processing procedure of the present embodiment.
FIG. 6 is an explanatory diagram of a processing procedure of the present embodiment.
FIG. 7 is an explanatory diagram of a display screen displayed on the client terminal.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 ... Client terminal as a computer which has a request form production | generation means and a transfer request means, 20 ... Financial institution system, 21 ... Management computer, I ... The internet as a network.

Claims (1)

A management computer of a financial institution system comprising an electronic form data storage unit storing a transfer request program in association with a version identifier;
A method of requesting a transfer process using a client terminal connected to the management computer via a network and storing a transfer request program,
The client terminal is
A request form generation step for generating transfer request form data in response to input of each item of the transfer request form image displayed by the transfer request program stored in the client terminal;
When receiving an application instruction after completing the input of each item of the transfer request form image, check whether it is possible to connect to the network and send a transfer request to the financial institution system,
When the network is available, the transfer request form data includes the version identifier of the transfer request program, and the transfer request generated based on the transfer request form data is transmitted to the financial institution system via the network. And
If the network is not available, based on the transfer request form data, execute a transfer request step of transmitting a facsimile to the financial institution system a facsimile form capable of character recognition by the financial institution system,
A management computer of the financial institution system,
Using the version identifier included in the transfer request data received via the network, check whether the version of the transfer request program is the latest version,
If the version of the transfer request program is not the latest version, extract the latest version of the transfer request program from the electronic form data storage unit, send this transfer request program to the client terminal,
On the other hand, when a facsimile is received, character recognition of the facsimile is executed by OCR processing of characters included in the area of the facsimile user field and the transfer request content input field,
If the transfer destination account identifier written in the area of the transfer request content entry field cannot be recognized and there is a read error in the OCR process, and the sender can be identified based on the OCR process in the facsimile user field, a read error will occur. Notifying the caller that there is, and further extracting the latest version of the transfer request program from the electronic form data storage unit , sending this transfer request program to the facsimile number of the specified caller ,
A transfer request method characterized by outputting a content confirmation alarm when a caller cannot be identified based on OCR processing.

Images