JP7448395B2 - Financial information processing equipment and programs - Google Patents

Description

The present disclosure relates to a financial information processing device and program that support fund transfer.

2. Description of the Related Art In recent years, devices and systems have been proposed that support the movement of money, such as transfer processing for bills (for example, see Patent Document 1).

Japanese Patent Application Publication No. 2012-14410

However, since the proposed devices and systems handle electronic data, for example, when processing printed invoices for transfer, manual input is required, which only increases the human processing burden. There is a possibility that erroneous money, etc. may be transferred due to input errors.

Accordingly, in one aspect, the present invention aims to provide a financial information processing device that can reduce the human processing burden of financial transactions.

In one aspect, for example, the following solution is provided.

(1) The financial information processing device includes an information generation unit that automatically generates transaction information for moving money or the like based on a first image captured of a medium representing financial related information, and an information generating unit that automatically generates transaction information for moving money or the like; The present invention is characterized by comprising a processing unit that processes the transaction information so that the financial transaction based on the transaction information is completed by the processing device that implements the transaction.

Note that the medium includes financial-related information in a manner that allows image recognition from the captured image. Therefore, the medium does not need to include code information such as a two-dimensional code, but may include code information separately from financial-related information. Furthermore, the transfer of money or the like here may be a transfer request, a transfer of money based on a bill, or the like. Money can be anything that has the same economic value as money and can be used for transactions, and can be either tangible or intangible (e.g. electronic data). good. Further, the content of the transaction information does not have to be entirely obtained from financial-related information image-recognized from the first image, and may be supplemented with data in a given database. For example, if the transaction information includes withdrawal account information of Mr. A (source user), if the withdrawal account information is registered in a database that can be accessed by the financial information processing device, only Mr. A's recognition information will be used. is extracted from the first image, and other withdrawal account information may be generated based on information in the database. Note that the processing of the processing unit is arbitrary as long as it processes transaction information, and typically includes processing for making it available for financial transactions based on transaction information (for example, sending transaction information to the next process). processing), processing for converting transaction information into a state suitable for financial transactions, etc.

(2) In the configuration of (1) above, the processing unit includes at least one of imaging position information of the first image, imaging time information of the first image, and photographer information of the first image. The present invention is characterized by comprising an approval-related information generation unit that generates approval-related information related to the approval of the movement based on the above-mentioned information, and links the generated approval-related information to the transaction information.

(3) In the configuration of (2) above, the approval-related information includes approver information representing an approver who approves the financial transaction, and the processing unit The present invention is characterized in that it further includes an approval processing unit that allows access to the transaction information by the transaction information.

Note that the process of enabling the approver to access transaction information may include, for example, sending transaction information to the approver by email, or sending a notification indicating the occurrence of transaction information to be approved by email, etc. .

(4) In the configuration of (3) above, the approval-related information generation unit may, depending on whether or not the imaging position information represents a specific position and whether or not the imaging person information represents a specific person, The method is characterized in that the approver is determined.

Note that if approval is not required, it may be determined that there is no approver. For example, if the imaging position information represents the position of a predetermined department, it may be determined that no approval is required and that there is no approver. Further, the approver does not need to be an individual, and may be determined by a person in charge of the approval department. Moreover, two or more approvers may be determined so that two or more levels of approval are achieved. In this case, the number of approvers may be determined depending on the amount of money or the like to be transferred.

(5) In the configuration of (3) above, the approval-related information includes urgency information representing the urgency of the movement, and the processing unit is configured to process the transaction information according to the urgency information. The present invention is characterized in that it further includes a reflection processing section.

(6) In the configuration described in (5) above, the emergency reflection processing unit allows the approver to access and access the transaction information when the degree of urgency is relatively high compared to when it is not relatively high. /or The method is characterized by strongly prompting the approver to input the approval result.

(7) In the configuration of (5) or (6) above, the approval-related information generating unit generates the urgency information based on the imaging time information and the financial-related information. .

(8) In the configuration of (2) above, the approval-related information includes limit information representing the limit of the movement, and the processing unit is a limit reflection processing unit that processes the transaction information according to the limit information. It is characterized by further comprising:

(9) In the configuration of (8) above, the limit reflection processing unit may determine whether or not the imaging position information represents a specific position and whether or not the imaging person information represents a specific person. Characterized by determining limits.

(10) In any one of the configurations (2) to (9) above, the information generation unit is configured to capture a first image of a face at an imaging time temporally close to the imaging time of the first image. The present invention is characterized in that the imager information is further generated based on the two images.

(11) Any of the financial information processing devices set forth in (1) to (10) above may be implemented solely by one or more servers, by only application programs implemented on one or more user terminals, or by one or more servers. It is characterized in that it is realized by a combination of the above server and an application program installed on one or more user terminals.

In addition, in another aspect, for example, the following solution is provided.

(12) automatically generating transaction information for the transfer of money or the like based on a first image of a medium representing financial-related information;
A program that causes a computer to execute processing for processing the transaction information so that the processing device that realizes the movement completes the financial transaction based on the transaction information.

In one aspect, according to the present invention, it is possible to provide a financial information processing device that can reduce the human processing burden of financial transactions.

FIG. 1 is a block diagram showing the configuration of a financial information processing device according to an embodiment of the present invention. FIG. 2 is a diagram illustrating an example of a paper medium on which financial-related information is displayed. FIG. 7 is a diagram illustrating another example of a paper medium on which financial-related information is displayed. It is a figure which shows another example of the medium on which financial related information was expressed. FIG. 2 is a diagram illustrating a configuration example of data stored in a financial information database of a financial information processing server according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing an example of use of a financial information processing device according to an embodiment of the present invention. 1 is a flowchart showing a processing procedure of a financial information processing device according to an embodiment of the present invention.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, modes for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent figures, the same numbers or symbols are given to the same elements throughout the description of the embodiments.
(composition)
The financial information processing device of the present invention is implemented only by one or more servers, only by an application program implemented on one or more user terminals, or implemented on one or more servers and one or more user terminals. This is achieved by combining it with an application program. A financial information processing device realized by a combination of one or more servers and an application program installed on one or more user terminals will be described below.

As shown in FIG. 1, the financial information processing apparatus of this embodiment includes a financial information processing server 100, a claimant terminal 200 used by a claimant who sends a bill, and a It includes a data creator terminal 300 used by a data creator who creates transfer data, an approver terminal 400 used by an approver who approves the transfer, and a network 500 such as the Internet that connects these terminals communicably. The financial information processing server 100, the claimant terminal 200, the data creator terminal 300, and the approver terminal 400 each have various functional configurations (hereinafter referred to as functional blocks as appropriate) realized by cooperation of hardware and software. . The financial information processing server 100 is configured using a server computer equipped with a database, and the claimant terminal 200, data creator terminal 300, and approver terminal 400 are mobile terminals (smartphones, mobile phones, etc.) equipped with a camera function. It is configured using a tablet PC, notebook PC, etc.) or a stationary computer (desktop PC, etc.).

The claimant terminal 200 includes a bill imaging section 201, a face imaging section 202, an image transmission section 203, and a transfer notification display section 204 as functional blocks.

The bill imaging unit 201 requests the biller to capture an image of a paper bill to be mailed to the billing address using the camera of the biller terminal 200, and also records the captured bill image as imager information and the captured image. It is stored in the storage unit of the claimant terminal 200 in association with the time information and the imaging position information. Note that the medium of the bill is not limited to paper, but may be any medium as long as it can take an image; for example, it may be a whiteboard, a screen, or the like. Further, the contents of the bill may be in any form or format, and may be handwritten. For example, the example shown in FIG. 2A is a bill (paper medium) created using a computer, FIG. 2B is a bill (paper medium) created by hand, and FIG. 2C is a bill (paper medium) created by hand. This is the screen (medium) on the terminal on which the text is displayed.

The face imaging unit 202 requests the claimant who has taken an image of the bill to take an image of the claimant's face with the camera of the claimant terminal 200, and also stores the taken face image as information on the person taking the image, information on the time taken to take the image, and information on the time taken. It is stored in the storage unit of the claimant terminal 200 in association with the imaging position information. Note that the requester's face image may be requested to be captured temporally close to the bill imaging time. In this case, generation of transfer data, which will be described later, may be permitted only when the time difference between the imaging time of the face image of the claimant and the imaging time of the bill image is within a predetermined time. The predetermined time period may be adapted to correspond to the time required when performed as a series of tasks. As a result, by utilizing the time difference between the imaging time of the face image of the claimant and the imaging time of the invoice image, the security of financial transactions according to this embodiment (for example, the reliability of the claim regarding the invoice image) can be improved. (sexuality) can be improved.

The image transmitting unit 203 transmits the captured bill image and face image to the data creator terminal 300 specified by the requester. At that time, photographer information, imaging time information, and imaging position information are added to the transmitted image.

The transfer notification display unit 204 displays the transfer notification received from the approver terminal 400 on the display unit of the requester terminal 200. The transfer notification includes transfer information such as the transfer destination name, transfer amount, and transfer destination account, the facial image of the data creator who created the transfer data, and the facial image of the approver who approved the transfer. The transfer notification display unit 204 displays the facial images of the data creator and the approver on the same screen as facial signatures while displaying the transfer information. According to such a transfer notification display unit 204, based on the facial signatures of the data creator and the approver, not only the reliability of the transfer notification is improved, but also the confirmation of the sender and the reconciliation work are facilitated.

The data creator terminal 300 includes a billing image display section 301, a bill imaging section 302, a face imaging section 303, an image transmission section 304, and an approval request transmission section 305 as functional blocks.

The bill image display unit 301 displays the bill image and face image received from the biller terminal 200 on the display unit of the data creator terminal 300. At this time, the billing image display unit 301 displays the billing image and displays the billing person's facial image as a facial signature on the same screen. According to such a billing image display unit 301, not only the reliability of the bill is improved based on the facial signature of the billing person, but also the billing person can be easily verified. Furthermore, by comparing the contents of the bill image with a paper bill that is sent separately, the reliability of the paper bill can be improved.

The bill imaging unit 302 requests the data creator to capture a paper bill received by mail using the camera of the data creator terminal 300, and also displays the captured bill image (the first image). example) is stored in the storage unit of the data creator terminal 300 in association with the imager information, image capturing time information, and image capturing position information. Note that the data creator terminal 300 may use the bill image (an example of the first image) transmitted from the requester terminal 200 as is.

Note that the face image of the data creator may be requested to be captured temporally close to the data creation time of the data creator (any time from the start to the end of generation of transfer data). In this case, the transfer data may be allowed to flow to the next process only when the time difference between the time when the face image of the data creator is captured and the time when the data is created is within a predetermined time. The predetermined time period may be adapted to correspond to the time required when performed as a series of tasks. In other words, a face image captured within a predetermined time from the data creation time may be used as the data creator's face image (an example of the second image). As a result, the security of financial transactions according to this embodiment (for example, transfer data generated based on a bill image reliability).

The face imaging unit 303 requests the data creator who has taken the image of the bill to take an image of the data creator's face with the camera of the data creator terminal 300, and also displays the taken face image (an example of a second image). ) is stored in the storage unit of the data creator terminal 300 in association with the photographer information, the imaging time information, and the imaging position information.

The image transmitting unit 304 transmits the captured bill image and facial image to the financial information processing server 100. At that time, photographer information, imaging time information, and imaging position information are added to the transmitted image.

After transmitting the invoice image and the face image to the financial information processing server 100, the approval request transmitting unit 305 transmits an approval request to a predetermined approver terminal 400. Note that the approval request may be transmitted from the financial information processing server 100 to the approver terminal 400.

The approver terminal 400 includes an approval request display section 401, an approval determination section 402, a face imaging section 403, an image transmission section 404, and a transfer notification transmission section 405 as functional blocks.

When the approval request display unit 401 receives an approval request from the data creator terminal 300 or the financial information processing server 100, the approval request display unit 401 displays the transfer data (invoice image and automatically generated from the invoice image by character recognition) for which approval was requested. character data) and the face image of the data creator are read from the financial information processing server 100 and displayed on the display section of the approver terminal 400. At this time, the approval request display unit 401 displays the data creator's facial image as a facial signature on the same screen while displaying the transfer data. According to the approval request display section 401, the reliability of the transfer data is improved based on the facial signature of the data creator, and the data creator can be easily confirmed.

The approval determining unit 402 requests the approver to decide whether to approve the transfer data.

When the approver approves the transfer data, the face imaging unit 403 requests that the approver's face be captured by the camera of the approver terminal 400, and also stores the captured face image in the imager information, the imaging time information, and the like. It is stored in the storage unit of the approver terminal 400 in association with the imaging position information.

Note that the face image of the approver may be requested to be captured temporally close to the approval time by the approver (the time at which an approved approval result is generated by the approver). In this case, the flow of the transfer data to the next process may be permitted only when the time difference between the capturing time of the face image of the approver and the approval time is within a predetermined time. In other words, a face image captured within a predetermined time from the approval time may be used as the approver's face image (an example of the third image). The predetermined time period may be adapted to correspond to the time required when performed as a series of tasks. As a result, the safety of financial transactions according to this embodiment (for example, the reliability of approved approval results) can be increased by using the time difference between the time when the facial image of the approver is captured and the approval time. Can be done.

The image transmitting unit 404 transmits the captured facial image to the financial information processing server 100 as a signature approving the transfer data. At this time, photographer information, imaging time information, and imaging position information are added to the transmitted image. Upon receiving the facial image from the approver terminal 400, the financial information processing server 100 executes a transfer process based on the approved transfer data on the designated transfer date. Specifically, the financial institution server 600 is requested to make a transfer.

The transfer notification sending unit 405 sends a transfer notification regarding the approved transfer data to the claimant terminal 200 on the designated transfer date. The transfer notification includes transfer information such as the transfer destination name, transfer amount, and transfer destination account, a facial image of the data creator who created the transfer data, and a facial image of the approver who approved the transfer.

The financial information processing server 100 includes a communication section 101, an information generation section 102, a financial information database 103, and a processing section 110 as functional blocks. The processing unit 110 includes an approval-related information generation unit 111, an approval processing unit 112, an emergency reflection processing unit 113, a limit reflection processing unit 114, a transfer processing unit 115, a correspondence processing unit 116, and an access processing unit. 117 is included. Note that some or all of the functions of the financial information processing server 100 described below may be realized by the requester terminal 200, the data creator terminal 300, or the approver terminal 400.

The communication unit 101 controls communication with the claimant terminal 200, the data creator terminal 300, the approver terminal 400, and the financial institution server 600.

The information generation unit 102 automatically generates transfer data including character data related to transaction information based on the bill image (an example of the first image) captured by the data creator. That is, the information generation unit 102 has an image-based character recognition function (OCR), and registers the transfer data automatically generated from the bill image in the financial information database 103. Note that the transfer data in this embodiment includes the name of the person who registered the transfer (for example, obtained from the information of the person who took the facial image of the data creator), and the withdrawal account (for example, the withdrawal account linked in advance to the person who registered the transfer). , Transfer destination (obtained from the invoice image), Transfer account (obtained from the invoice image or a transfer account linked to the transfer destination in advance), Transfer amount (obtained from the invoice image), Transfer designated date (obtained from the invoice image) The data items include, but are not limited to, the date obtained from the image or the date calculated based on the billing date). Note that all of the data items do not need to be extracted by image recognition based on the invoice image, and some of them may be extracted using information (for example, illustrations) linked to information obtained from the invoice image (for example, client information). (registered information registered in a database). In other words, the bill captured in the bill image does not have to include all of the above data items.

As shown in FIG. 3, the financial information database 103 links to one piece of automatically generated transfer data, information about the person who took the image of the bill image, information about the time of image capture, image capture position information, bill image, and data creation. The person's face image is memorized. Further, after the approver approves the transfer data, the imager information, image capturing time information, image capturing position information, and approver's facial image of the approver's face image are stored in association with one transfer data. Note that writing of these stored data is executed by the information generation section 102 and the association processing section 116. In the example shown in FIG. 3, the data creator related to the transfer data is "Soukentaro", and the transfer data is associated with various information related to "Soukentaro". Further, in FIG. 3, the claimant is "Mitsui Hanako", and the facial image of the claimant "Mitsui Hanako" is associated with the transfer data.

Based on the generated transfer data, the processing unit 110 executes transfer data approval processing and transfer processing for requesting the financial institution server 600 to make a transfer so that the transfer processing by the financial institution server 600 is properly executed. do. The functional blocks included in the processing unit 110 will be explained below.

The approval related information generation unit 111 generates approval related information related to approval based on the imager information, image capturing time information, image capturing position information, etc. of the bill image, and links the generated approval related information to the transfer data. The approval related information includes approver information indicating the approver who approves the transfer data, urgency information indicating the urgency of the transfer, and limit information indicating the transfer limit. Note that if approval is not required, the approver information may indicate "no approver".

The approval-related information generation unit 111 determines the approver depending on whether the imaging position information of the invoice image represents a specific position and whether the imager information of the invoice image represents a specific person. be able to. For example, if the image capturing location information of an invoice image represents the location of a specific department within a company, the person in charge of approval of the specific department is the approver, and the imager information of the invoice image represents the location of a specific department within the company. , the person in charge of approval in the specific department can be the approver. Information representing these correspondence relationships may be compiled into a database in a manner that is updated as appropriate.

The approval-related information generation unit 111 generates urgency information based on the imaging time information of the bill image and the designated transfer date of the transfer data. For example, if the period from the capture time of the bill image to the designated transfer date is less than a predetermined number of days (for example, 3 days), the approval of the corresponding transfer data is treated as an emergency. Furthermore, image recognition results of characters indicating the degree of urgency such as "urgent" (information obtained from the bill image) may be taken into consideration.

The approval processing unit 112 allows the approver to access the transfer data based on the approval related information. For example, an approval request is sent to the approver terminal 400 to request approval of the transfer data.

The emergency reflection processing unit 113 strongly urges the approver to access the transfer data and input the approval result when the degree of urgency is relatively high compared to when the degree of urgency is not relatively high. For example, information indicating that the degree of urgency is high (for example, characters such as "urgent") is added to the approval request sent to the approver terminal 400, and an alert or reminder on the approver terminal 400 is activated.

The limit reflection processing unit 114 limits the transfer amount depending on whether or not the imaging position information of the bill image represents a specific position and whether or not the photographer information of the bill image represents a specific person. Can be done. For example, if the imaging location information of an invoice image represents the location of a specific department within a company, the transfer limit linked to that specific department will be applied, and the information on the photographer of the invoice image will represent the location of a specific department within the company. When representing a person in a department, a transfer limit linked to the specific department can be applied. Specifically, if the capture location information of the invoice image is within the company, the transfer limit is set to 10 million yen, and if the capture location information of the invoice image is overseas, the transfer limit is set to 3 million yen. You can set restrictions such as: In the example shown in FIG. 3, the approver is "Kenjiro Sou", and with the approval by "Kenjiro Sou", various information related to "Kenjiro Sou" is associated with the transaction data.

The transfer processing unit 115 transmits a transfer request regarding the approved transfer data to the financial institution server 600. Then, the financial institution server 600 executes a transfer process, etc. based on the transfer request.

In this way, in this embodiment, by providing the information generation unit 102, the human processing burden of financial transactions can be reduced. That is, since the data creator can generate transfer data based on the invoice image, the processing burden can be reduced compared to the case where the data creator manually generates transfer data while looking at the invoice. Further, the accuracy of transfer data based on the invoice image depends on the quality of the invoice image, but it tends to be more reliable than manual transfer data. Furthermore, since approval (check) by an approver is performed as appropriate, the safety of financial transactions can be ensured. At this time, since facial images of the data creator and approver are used, reliability can be effectively increased.

As described above, the association processing unit 116 converts various information transmitted from the data creator terminal 300 and the approver terminal 400 (the data creator's face image and the approver's face image) into the financial information database 103. Link to the corresponding transfer data. In this way, the transfer data automatically generated from the invoice image is associated with various information subsequently transmitted from the approver terminal 400.

After the transfer process based on the transfer data, the access processing unit 117 uses the requester terminal 200, which is the user terminal of the transfer destination related to the transfer process, to collect the facial image of the data creator or approver associated with the transfer data. allow access to. Specifically, in response to a request from the claimant terminal 200, the access processing unit 117 retrieves the requested transfer information from within the financial information database 103 under predetermined viewing conditions. One or more facial images (and/or personal information such as a user name associated with the one or more facial images) are extracted and transmitted to the requester terminal 200 that made the request. The predetermined viewing condition may be, for example, that the transfer information related to the request is related to the requester's own transaction. In this case, the requester can also check his or her own past transactions after the fact while viewing a facial image or the like.

Similarly, the data creator may be able to request the financial information processing server 100 to display past transfer information via the data creator terminal 300 or the like. In this case, the predetermined viewing condition may be, for example, that the transfer information related to the request is related to a transaction created by the data creator. In this case, the creator can also check his or her own past transactions after the fact while looking at facial images and the like.

Similarly, the approver may be able to request the financial information processing server 100 to display past transfer information via the approver terminal 400 or the like. In this case, the predetermined viewing condition may be, for example, that the transfer information related to the request is related to a transaction approved by the approver. In this case, the approver can also check his or her own past transactions after the fact while looking at facial images and the like.

In addition, the access processing unit 117 provides access to the requester, data creator, and approver in a similar manner at a timing other than after the transfer process based on the transfer data (i.e., before the transfer process based on the transfer data). On the other hand, it may be possible to enable access to related transfer data (and various information associated therewith) in the financial information database 103. In this case, the predetermined viewing conditions may be different for each of the requester, data creator, and approver.

In this manner, in this embodiment, by providing the association processing unit 116 and the access processing unit 117, it is possible to achieve both safety and convenience in financial transactions.
(Usage example and processing procedure)
Next, a basic usage example of the financial information processing device and the accompanying processing procedure will be explained with reference to FIGS. 4 and 5.

A biller who wants to send a bill starts the biller terminal 200 and selects bill sending on the menu screen of the dedicated application (S101 in FIG. 5). The biller terminal 200 requests that a paper bill be imaged with a camera, and stores the captured bill image in the storage unit in association with imager information, image capturing time information, and image capturing position information (Fig. 4A, S102 in FIG. 5).

Furthermore, the claimant terminal 200 requests that the claimant's face be imaged with a camera, and stores the taken face image in the storage unit in association with the imager information, imaging time information, and imaging position information. B in FIG. 4, S103 in FIG. 5).

Next, the claimant terminal 200 transmits the captured bill image and face image to the data creator terminal 300 designated by the claimant in response to the requester's transmission operation. At that time, photographer information, imaging time information, and imaging position information are added to the transmitted image (B in FIG. 4, S104 in FIG. 5). Note that the requester separately sends a paper bill to the billing party by mail (C in Figure 4).

When the data creator terminal 300 receives the bill image and face image from the claimant terminal 200 (S105 in FIG. 5), the data creator terminal 300 creates data from the bill image and face image received from the claimant terminal 200 on the dedicated application screen. the user terminal 300 (D in FIG. 4, S106 in FIG. 5). At this time, the data creator terminal 300 displays the claimant's face image as a face signature on the same screen while displaying the bill image.

In addition, the data creator terminal 300 requests the data creator to take an image of the paper bill received by mail with a camera, and also sends the taken bill image to the person who has taken the image, the time of the image taken, and the like. It is stored in the storage unit in association with the imaging position information (E in FIG. 4, S107 in FIG. 5).

Furthermore, the data creator terminal 300 requests the data creator who took the image of the invoice to take an image of the data creator's face with a camera, and also sends the taken face image to the imager information, imaging time information, and so on. It is stored in the storage unit in association with the imaging position information (F in FIG. 4, S108 in FIG. 5).

Next, the data creator terminal 300 transmits the captured bill image and face image to the financial information processing server 100. At that time, photographer information, imaging time information, and imaging position information are added to the transmitted image (S109 in FIG. 5).

Further, after transmitting the invoice image and the face image to the financial information processing server 100, the data creator terminal 300 transmits an approval request to a predetermined approver terminal 400 (S110 in FIG. 5).

When the financial information processing server 100 receives the invoice image and face image from the data creator terminal 300 (S111 in FIG. 5), the financial information processing server 100 automatically transfers transfer data consisting of character data based on the invoice image captured by the data creator. image capturer information, image capture time information, image capture position information, invoice image, and data creator face image are stored in association with the transfer data (S112 in FIG. 5).

When the approver terminal 400 receives an approval request from the data creator terminal 300 (S113 in FIG. 5), the approver terminal 400 reads the transfer data for which approval was requested and the face image of the data creator from the financial information processing server 100 (FIG. 5). (S114A, S114B), and displayed on the dedicated application screen (S115 in FIG. 5). At this time, the approver terminal 400 displays the data creator's face image as a face signature on the same screen while displaying the transfer data.

Furthermore, the approver terminal 400 requests the approver to decide whether or not to approve the transfer data, and if the approver approves the transfer data (S116 in FIG. 5), the approver terminal 400 captures an image of the approver's face with a camera. At the same time, the captured face image is stored in the storage unit in association with the photographer information, the imaging time information, and the imaging position information (G in FIG. 4, S117 in FIG. 5).

Next, the approver terminal 400 transmits the captured facial image to the financial information processing server 100 as a signature approving the transfer data (S118 in FIG. 5). At that time, photographer information, imaging time information, and imaging position information are added to the transmitted image.

When the financial information processing server 100 receives the facial image from the approver terminal 400 (S119 in FIG. 5), the financial information processing server 100 stores the facial image, its imager information, imaging time information, and imaging location information in the financial information database 103 as approval information. At the same time (S120 in FIG. 5), the transfer process based on the approved transfer data is executed on the designated transfer date.

Further, the approver terminal 400 transmits a transfer notification regarding the approved transfer data to the requester terminal 200 on the designated transfer date (S121 in FIG. 5). The transfer notification includes transfer information such as the transfer destination name, transfer amount, and transfer destination account, a facial image of the data creator who created the transfer data, and a facial image of the approver who approved the transfer.

When the requester terminal 200 receives the transfer notification from the approver terminal 400 (S122 in FIG. 5), the requester terminal 200 displays the transfer notification on the dedicated application screen (H in FIG. 4, S123 in FIG. 5). On the transfer notification display screen, while displaying the transfer information, facial images of the data creator and the approver are displayed as facial signatures on the same screen.

Although each embodiment has been described in detail above, it is not limited to a specific embodiment, and various modifications and changes can be made within the scope of the claims. It is also possible to combine all or a plurality of the components of the embodiments described above.

In the above-described embodiments, the financial information represented by the medium is in a form that can be recognized as an image, but the present invention is not limited to this. The financial information represented by the medium may be in a form that is recognizable by code reading, such as a two-dimensional barcode. In this case, the term "imaging" can be replaced with "reading" and the term can be similarly applied.

Further, in the above-described embodiment, the biller acquires the bill image and transmits it to the financial information processing server 100, but the present invention is not limited to this. For example, the biller may send the bill to the other party in a paper medium or the like (that is, a medium other than the bill image). In this case, the bill image may be generated by the data creator taking an image of the bill.

Further, in the above embodiment, the requester's face image, the data creator's face image, and the approver's face image are used, but some of these may be omitted.

100 Financial information processing server 101 Communication unit 102 Information generation unit 103 Financial information database 110 Processing unit 111 Approval related information generation unit 112 Approval processing unit 113 Urgent reflection processing unit 114 Limit reflection processing unit 115 Transfer processing unit 116 Correspondence processing unit 117 Access Processing unit 200 Biller terminal 201 Bill imaging unit 202 Face imaging unit 203 Image transmission unit 204 Transfer notification display unit 300 Data creator terminal 301 Billing image display unit 302 Bill imaging unit 303 Face imaging unit 304 Image transmission unit 305 Approval request Transmitting unit 400 Approver terminal 401 Approval request display unit 402 Approval determining unit 403 Face imaging unit 404 Image transmitting unit 405 Transfer notification transmitting unit 500 Network 600 Financial institution server

Claims (7)

an information generation unit that automatically generates transaction information for transferring money or the like based on a first image captured of a medium representing financial related information;
a processing unit that processes the transaction information so that the financial transaction based on the transaction information is completed by the processing device that realizes the movement ;
The processing unit is configured to approve the movement based on at least one of imaging position information of the first image, imaging time information of the first image, and photographer information of the first image. an approval-related information generation unit that generates approval-related information and links the generated approval-related information to the transaction information;
The approval related information includes limit information representing the limit of the movement,
The processing unit further includes a limit reflection processing unit that processes the transaction information according to the limit information . The approval related information includes approver information representing an approver who approves the financial transaction,
The financial information processing apparatus according to claim 1 , wherein the processing unit further includes an approval processing unit that allows the approver to access the transaction information based on the approver information. 3. The approval-related information generation unit determines the approver depending on whether or not the imaging position information represents a specific position and whether or not the imaging person information represents a specific person. The financial information processing device described. The approval related information includes urgency information representing the urgency of the movement based on the imaging time information and the financial related information,
The processing unit further includes an emergency reflection processing unit that processes the transaction information according to the urgency information,
The emergency reflection processing unit may prevent the approver from accessing the transaction information and/or allowing the approver to input the approval result when the degree of urgency is relatively high compared to when the degree of urgency is not relatively high. 3. The financial information processing device according to claim 2 , wherein the financial information processing device strongly urges. 5. The limit reflection processing unit determines the limit depending on whether or not the imaging position information represents a specific position and whether or not the imaging person information represents a specific person. The financial information processing device according to any one of the items . Claims 2 to 5 , wherein the information generation unit further generates the imager information based on a second image of a face captured at an imaging time temporally close to the imaging time of the first image. The financial information processing device according to any one of the above. Realized by only one or more servers, only by application programs implemented on one or more user terminals, or by a combination of one or more servers and application programs implemented on one or more user terminals. The financial information processing device according to any one of claims 1 to 6 .

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