JP2006251957A - Business risk monitoring system and management server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce work loads for monitoring; to monitor business contents at each operation branch at head quarters; and to accurately avoid the occurrence of risks in dealings of a financial institution, by centrally monitoring the dealing conducted by operating a window terminal in each operation branch of the financial institution and operation records of the window terminal by a management server in the head quarters of the financial institution. <P>SOLUTION: This system has the window terminal for operations for financial dealings, a database device which acquires and registers the records of the financial dealings or the operations from the window terminal, a management server which analyzes the statistical information of the records of the financial dealings or the operations, a head quarter terminal which monitors the business risks in the operation branches, and an officer terminal which monitors the business risks in the operation branches, and the management server notifies the head quarter terminal and the officer terminal of abnormalities when they are found out based on the result of the statistical information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an office risk monitoring system and a management server.

  Conventionally, financial transactions such as deposits, withdrawals, and transfers at financial institutions such as banks, post offices, and credit unions are conducted in accordance with prescribed procedures such as customer authentication, confirmation of entries in the passbook, and verification with registered seals. (See, for example, Patent Document 1). Thereby, the mistake of the office work in transaction can be prevented.

  However, for the convenience of customers, for example, when a customer who has a business relationship regularly over a long period of time requests financial transactions such as deposits, withdrawals and transfers over the phone, Staff may conduct the financial transaction. Such financial transactions are usually processed within financial institutions as unusual transactions. That is, at a later date, predetermined procedures such as seal stamping and certificate entry will be performed afterwards and treated as normal transactions. However, since the exceptional transaction is inherently risky, various regulations are determined and strictly managed by financial institutions.

In general, in financial institutions, in addition to exceptional transactions such as unsigned transactions and transactions without certificates, transactions involving risks such as high-value transactions, bill / check transactions, etc. are managed by using management tables at each branch. ing. In this case, the contents of the transaction including the risk carried out at each branch are described in the management table by an operator such as a teller who carried out the transaction, a person in charge of external relations, that is, an operator. It is ascertained by visually confirming at a certain interval, and inspected as necessary. As a result, the higher-level authority of each branch can manage transactions involving risks at the branch, that is, monitor office risks, avoid the occurrence of risks, and Can provide guidance.
JP 2001-338124 A

  However, the visual check of the management table usually stops only with confirmation in the branch. For this reason, it is difficult to detect administrative errors and fraudulent activities in transactions because “familiarity” and “belief that it is correct” are likely to occur between staff members.

  In addition, since the management table is made of a paper medium, it is difficult to verify the contents of transactions including risks retrospectively, which takes time and labor. For this reason, monitoring of the transaction tends to be superficial, and it is difficult to effectively avoid the occurrence of risk. And if the said monitoring becomes superficial, the effect as a check system with respect to an operator's inappropriate work cannot be exhibited.

  In addition, since the management table is a paper medium and is used every day, it is difficult to carry it out of the corresponding branch. Therefore, an administrator belonging to the headquarters of a financial institution, such as an officer of a financial institution, The table cannot be checked in real time. As a result, monitoring of transactions involving risks at each branch is exclusively delegated to the higher-level authority of the relevant branch, making it impossible to manage transactions involving risks as a financial institution in a unified manner. . In addition, there is also a problem that it is difficult to detect an abnormal value because a statistical method is not adopted in the detection of a business error or fraud in a transaction.

  The present invention solves the above-mentioned conventional problems and centrally stores transactions performed by operating the counter terminal in each branch office of the financial institution and the operation history of the counter terminal by the management server in the headquarters of the financial institution. By monitoring, it is possible to reduce the work burden for monitoring, to monitor the business content of each branch office at the headquarters, and to accurately avoid the occurrence of risks in transactions of financial institutions An object is to provide a risk monitoring system and a management server.

  Therefore, in the office risk monitoring system of the present invention, a counter terminal disposed at a financial institution's sales office for performing operations for financial transactions, and disposed at the headquarters of the financial institution, the counter terminal A database device that acquires and registers the history of financial transactions or operations from the server, and a management server that is disposed at the headquarters of the financial institution and accesses the database device to analyze statistical information of the history of financial transactions or operations And a headquarters terminal that is disposed at the headquarters of the financial institution and monitors office risks at the sales office, and a officer terminal that is disposed at the sales office of the financial institution and monitors office risks at the sales office. And the management server notifies the headquarters terminal and the office terminal when an abnormality is found based on the result of analyzing the statistical information.

  In another office risk monitoring system of the present invention, the office risk monitoring system further comprises a person-in-charge terminal that is disposed at a sales office of the financial institution and is operated by a person in charge, and the management server performs an unusual transaction using a provisional slip. The due date is managed, and an unusual transaction approaching the due date or an unusual transaction past the due date is notified to the headquarters terminal, the officer terminal and the person in charge terminal.

  In still another business risk monitoring system according to the present invention, the management server analyzes statistical information of a less frequent financial transaction.

  In still another business risk monitoring system of the present invention, the window terminal further has a function of correcting input data from a bankbook or a card stripe, and the management server corrects input data from the stripe. Analyze operation statistics.

  In still another office risk monitoring system according to the present invention, the window terminal further includes a seal verification function, and the management server analyzes statistical information of the seal verification.

  In still another office risk monitoring system of the present invention, the window terminal further includes a character recognition function, and the management server analyzes character recognition statistical information.

  The management server for office risk monitoring according to the present invention is a management server disposed in the headquarters of a financial institution, and is a counter for performing operations for financial transactions, which are disposed in the sales office of the financial institution. When accessing a database device that acquires and registers a history of financial transactions or operations from a terminal, analyzes statistical information of the financial transactions or operations history, and finds an abnormality based on the result of analyzing the statistical information To a headquarters terminal that is disposed at the headquarters of the financial institution and monitors office risks at the sales office, or a office terminal that is disposed at a sales office of the financial institution and monitors office risks at the sales office. Notice.

  According to the present invention, transactions performed by operating a counter terminal in each branch office of a financial institution and an operation history of the terminal are centrally monitored by the management server in the headquarters of the financial institution. Thereby, the operational burden for monitoring can be reduced, the business content of each branch office can be monitored at the headquarters, and the occurrence of risks in transactions of financial institutions can be avoided accurately.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a conceptual diagram showing the configuration of an office risk monitoring system according to the first embodiment of the present invention, and FIG. 4 is a diagram showing the configuration of a database according to the first embodiment of the present invention.

  In the figure, reference numeral 10 denotes an office risk monitoring system, which is a system for monitoring, that is, monitoring the possibility of office risks in financial institutions such as banks, post offices, and credit unions.

  Here, the administrative risk is generated in association with an administrative process in a financial institution, that is, an operation, and gives a tangible and intangible loss to the financial institution. The administrative risks include negligence such as simple mistakes during operations, fraud by operators who are employees of financial institutions, illegal or intentional deviations such as violations of discipline, fraud that induces administrative errors, robbery, etc. Criminal acts. In the present embodiment, a case will be described in which an unmarked payment or a difference payment that is a kind of an exceptional transaction performed using the provisional slip 16 is monitored.

  In this case, the office risk monitoring system 10 includes a branch office system 11 disposed in a branch office as a branch of a financial institution, a department that monitors the possibility of office risk at the head office of the financial institution, an operation center, That is, the head office system 20 is provided in the head office. Here, the branch office system 11 includes a counter terminal 12 as an operation terminal operated by an operator such as a teller assigned to the counter of the branch shop, etc. to execute an operation related to financial transactions, A manager, such as a manager, a branch manager, or the like, includes a supervisory terminal 13 as a management terminal for monitoring operations in a sales office, and a supervisor terminal 14 used by a supervisor. The window terminal 12, the office desk terminal 13 and the person-in-charge terminal 14 are connected to each other via a branch office LAN (Local Area Network) 17 which is a branch office network. The sales office system 11 is usually provided with a plurality of window terminals 12, executive office terminals 13, and person-in-charge terminals 14.

  Here, the branch office system 11 and the head office system 20 are connected to each other via a network 28 so as to communicate with each other. The network 28 is a dedicated communication line network such as a LAN or WAN (Wide Area Network) that includes a dedicated communication line, etc., and can communicate with an accounting system host device (not shown) that performs online processing of financial operations of a financial institution. It may be connected to. Thereby, the window terminal 12 can access the accounting system host device and execute online processing of financial transactions at a branch.

  The window terminal 12 is a kind of computer that is arranged at a counter such as a high counter or a low counter of a sales office and is operated by an operator of a financial institution such as a teller, and includes arithmetic means such as a CPU and an MPU, a semiconductor memory Storage means such as a magnetic disk, input means such as a keyboard and a mouse, display means such as a CRT and a liquid crystal display, and a communication interface. Further, the window terminal 12 is connected with a scanner 15 for reading image data, which is provided with imaging means such as a CCD (Charge Coupled Device). The scanner 15 is used to acquire image data of a slip relating to a financial transaction. Here, it is desirable to employ authentication printing using a direct scanner instead of authentication printing using a communication printer. Accordingly, a serial number, that is, a serial number is assigned to each financial transaction, so that the search for the financial transaction is facilitated.

  In this case, the slip is, for example, a withdrawal slip or a transfer slip of a normal deposit created by a customer of the financial institution or the operator, and an account number, an amount, a customer name, etc. are described, and a registration seal is stamped Yes. The slip also includes a provisional slip 16 attached when a financial transaction does not satisfy a predetermined requirement. Here, the provisional slip 16 is attached to a normal slip relating to the financial transaction when the financial transaction is a financial transaction to be monitored including office risks such as an expedient transaction. The provisional slip 16 is given a slip ID as identification information in the form of a code such as a symbol, a number, or a barcode.

  For example, when a customer who has a business relationship periodically over a long period requests a financial transaction such as deposit, withdrawal, or transfer by telephone, an operator may perform the financial transaction for the convenience of the customer. . In this case, the operator creates a slip such as a deposit slip, a withdrawal slip, or a transfer slip. Note that the slip is not stamped. Subsequently, the operator creates a provisional slip 16 indicating that the financial transaction is a convenient transaction and attaches it to the slip. The provisional slip 16 may be created in advance.

  Then, the operator operates the counter terminal 12 to perform the operation for the financial transaction, and operates the scanner 15 to acquire the image of the slip and also acquire the image of the provisional slip 16. . Then, the window terminal 12 recognizes that the financial transaction is an expedient transaction based on the slip ID of the provisional slip 16, that is, identifies risk management items related to the operation, and stores the financial transaction data. A risk monitoring flag is set to indicate that the transaction is a convenient transaction. Thereby, it is automatically identified that the financial transaction is a convenient transaction. Note that the slip ID of the provisional slip 16 is set for each risk management item or for each category of lower concept, so that the window terminal 12 determines the financial transaction based on the slip ID of the provisional slip 16. Can be automatically identified, and a risk monitoring flag indicating the content can be set.

  The executive terminal 13 is a computer provided with arithmetic means such as CPU and MPU, storage means such as semiconductor memory and magnetic disk, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication interface and the like. It is. The officers of the store can obtain all data related to operations at the store by operating the officer terminal 13 and accessing a management server 21 described later. For this reason, the officer monitors the business risk in the sales office by displaying data on risk management items related to operations at the sales office on the display means of the office terminal 13 or printing it on a paper medium. can do.

  The person-in-charge terminal 14 includes a computing unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, an input unit such as a keyboard and a mouse, a display unit such as a CRT and a liquid crystal display, and a communication interface. It is.

  Next, the headquarter system 20 will be described.

  The headquarter system 20 is disposed in a headquarters of a financial institution headquarters, a monitoring center, etc., and a management server 21 as a server for centrally controlling risk management items related to the operations, and responsible for office risk monitoring in the headquarters of the financial institution Stores the headquarters terminal 22 for the operator to monitor operations at all branches, and data on risk management items related to operations at all branches of financial institutions, and stores information such as convenience management tables A database 23 is provided as a device. The database 23 includes storage means such as a semiconductor memory and a magnetic disk, a communication interface, etc., and acquires and registers a history of financial transactions or operations from the window terminal 12. The management server 21, the headquarters terminal 22, and the database 23 are connected to each other via a headquarters LAN 24 that is a private network of the headquarters.

  The management server 21 is a computer equipped with arithmetic means such as CPU and MPU, storage means such as semiconductor memory and magnetic disk, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication interface and the like. is there. The management server 21 accesses the database 23, analyzes statistical information of the history of financial transactions or operations, and finds an abnormality based on the result of analyzing the statistical information. Notify the board terminal 13. Specifically, the management server 21 accesses the database 23 at regular intervals, and acquires data on risk management items related to operations at all sales offices. Then, the acquired data is stored in the storage means temporarily or over a long period of time, and statistical data on the risk management items is created.

  The headquarters terminal 22 is a computer having a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, an input means such as a keyboard and a mouse, a display means such as a CRT and a liquid crystal display, and a communication interface. is there. The person in charge of office risk monitoring in the inspection department at the headquarters of the financial institution operates the headquarters terminal 22 and accesses the management server 21 to obtain all data related to operations at all branches. be able to. For this reason, the person in charge displays the data on risk management items related to operations at all the sales offices of the financial institution on the display means of the headquarters terminal 22 or prints it on a paper medium. Can monitor operational risks. Furthermore, it is possible to monitor the contents and progress of various financial transactions processed for each operator at each branch office.

  The database 23 is a voucher image file that is a storage means for storing image data of a voucher, a due date management file that is a storage means for storing data for managing the due date on which financial processing is executed, and statistics relating to financial processing. It includes a statistical management file which is a storage means for storing data, a seal file which is a storage means for storing the seal impression of a registered seal, and a convenience management table file.

  Next, the operation of the office risk monitoring system 10 having the above configuration will be described. Here, a case where the financial transaction is an unmarked transaction will be described.

  For example, when a customer who has a business relationship periodically over a long period requests a financial transaction such as deposit, withdrawal, or transfer by telephone, an operator may perform the financial transaction for the convenience of the customer. . In this case, the operator operates the window terminal 12 to input a transaction-related data and a reason why there is no mark, that is, a reason why there is no mark, thereby executing a markless transaction operation. The data relating to the transaction and the reason for no stamp are input by creating a slip relating to the transaction and the provisional slip 16 in which the reason for no stamp is described, and causing the scanner 15 to read the image data of the slip and the provisional slip 16. (FIG. 1 (1)). The image data read by the scanner 15 is transferred to the window terminal 12 (FIG. 1 (2)). As a result, the window terminal 12 performs slip processing, and automatically identifies that the inputted financial transaction is an unmarked transaction based on the slip ID of the provisional slip 16, and responds to the unmarked transaction. The process is executed (FIG. 1 (3)).

  Subsequently, the transaction history data regarding the unmarked transaction operation and the image data of the provisional slip 16 are transmitted from the sales office system 11 to the head office system 20. Thus, the transaction history of the window terminal 12 is transmitted to the database 23 every time one transaction is completed. However, if there is a limitation on the network speed, etc., it can also be performed at night. The transaction history data is registered in the convenience management table file, and the image data of the provisional slip 16 is registered in the slip image file linked to the convenience management table file (FIG. 1 (4)).

  The management server 21 of the headquarter system 20 accesses the database 23 and refers to the convenience management table file at regular intervals (FIG. 1 (5)). Thereby, the management server 21 can monitor the possibility of office work risk concerning the unmarked transaction operation. Then, the management server 21 notifies the person in charge terminal 14 of the branch office system 11 about the transaction that is about to expire and the transaction that is overdue in the convenient management table file of the database 23, and the “correct slip” ”Get”. At the same time, the office terminal 13 of the sales office system 11 and the head office terminal 22 of the head office system 20 are notified that there are transactions that are about to expire and transactions that are overdue (FIG. 1 (6)). Therefore, the effect as a check for the person in charge of the sales office can be exhibited.

  Furthermore, the management server 21 of the headquarter system 20 analyzes statistical information and manages data received from each branch office system 11 as statistical information (FIG. 1 (7)). For example, according to the average value of each sales office, a sales office with many unusual transactions is regarded as abnormal and notified to the headquarters terminal 22. The average value is calculated based on the cumulative number of past months. Moreover, the reference | standard which judges whether there are many unusual transactions can be changed by a setting.

  As described above, in the present embodiment, the management server 21 manages the due date of the unusual transaction using the provisional slip 16, and for the unusual transaction approaching the due date or the unusual transaction that has passed the due date, The terminal 13 and the person in charge terminal 14 are notified. Therefore, the creation of the convenience management table file can be automated using a computer system, and the convenience management table file can be referenced from locations other than the sales office such as the headquarters, thereby managing the due date management. By automating, it is possible to prevent “forgetting to prompt the correct slip”. Furthermore, the management server 21 of the headquarters system 20 analyzes and manages the data from each branch as statistical information, so that a branch where fraudulent activity may be performed or the office regulations may not be observed is detected. It can be detected early.

  In addition, it is not only a check in the store, but it is also monitored at the headquarters at all times, so a check effect can be expected.

  Furthermore, by combining with the alarm notification function, it is possible to prevent “forgetting to correct” a correct slip.

  Note that the present embodiment can also be applied to transactions such as uncertified payment, non-check payment, and provisional payment / provisional payment.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 2 is a conceptual diagram showing a configuration of an office risk monitoring system according to the second embodiment of the present invention.

  In the present embodiment, detection of fraudulent transactions will be described. Here, transactions that are subject to detection as fraudulent transactions are usually rare transactions such as periodic cancellations, cancellation / correction transactions, value-dated transactions, and application of exceptional interest rates. This is a transaction in which fraud cannot be detected from checking a slip in the store. For convenience of explanation, illustration of the board terminal 13, the person-in-charge terminal 14, and the scanner 15 is omitted.

  First, when the operator operates the window terminal 12 to carry out a transaction, the window terminal 12 acquires a transaction history, that is, a history of operation date / time, operator, transaction name, etc., and stores it in the storage means (FIG. 2). (1)). Then, after the transaction process is completed, the window terminal 12 checks the contents of the transaction history stored in the storage means, and if the transaction history is an unusual transaction such as the above-mentioned regular cancellation transaction, the transaction history is stored in the sales office system. 11 is transmitted to the head office system 20 and registered in the convenience management table file of the database 23 (FIG. 2 (2)). Thus, the transaction history of the window terminal 12 is transmitted to the database 23 every time one transaction is completed. However, if there is a limitation on the network speed, etc., it can also be performed at night. Note that the transaction history registered in the convenience management table file is not limited to transactions related to transactions that are detected as fraudulent transactions, but may be all transaction histories. The type of transaction to be detected can be changed by setting.

  Further, the management server 21 of the headquarter system 20 accesses the database 23 and refers to the transaction status of each branch office at a predetermined cycle (FIG. 2 (3)). Then, the management server 21 analyzes the statistical information, compares the transaction to be detected as an illegal transaction with the past statistical information, determines the accumulated number of past months, and determines the transaction to be detected. Stores with a lot of information are regarded as abnormal (FIG. 2 (4)), and the information is stored in the database 23. In addition, the reference | standard which judges whether there are many transactions used as the object of a detection can be changed by setting. And when referred from headquarters terminal 22, management server 21 transmits to headquarters terminal 22 the information on a store with many dealings used as a candidate for detection as a reference result (figure 2 (5)).

  As described above, in the present embodiment, the management server 21 analyzes statistical information of financial transactions with a low frequency. That is, when transactions that are rarely performed are performed, the management server 21 manages records such as the number of transactions per month, and compares them with data such as average values at sales offices of the entire financial institution. Detect value. Thereby, it is possible to detect fraud early.

  In addition, since the monitoring is not always performed only in the sales office but also at the headquarters, a check effect can be expected.

  Further, the management server 21 in the headquarters manages the data from each branch as statistical information, and detects the branch that may not comply with the fraudulent act or the business rules from the average value of each branch. be able to.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 3 is a conceptual diagram showing a configuration of an office risk monitoring system according to the third embodiment of the present invention.

  In this embodiment, detection of unauthorized operation will be described. Here, the operation that is detected as an illegal operation is an operation that corrects input data from a passbook or a card stripe, an operation that makes verification OK regardless of a low verification rate of seal verification, and character recognition data This is an operation to correct the input data. For convenience of explanation, illustration of the board terminal 13, the person-in-charge terminal 14, and the scanner 15 is omitted.

  First, when an operator operates the window terminal 12 to carry out a transaction, the window terminal 12 has an operation history, that is, information such as operation date / time, operator, transaction name, transaction content, slip image, input content, etc. Is stored in the storage means (FIG. 3 (1)). Then, after the transaction process is completed, the window terminal 12 checks the contents of the operation history stored in the storage means, and if an illegal operation such as an operation for correcting the input from the aforementioned passbook or card stripe is detected. The operation history is transmitted from the sales office system 11 to the head office system 20 and registered in the convenience management table file of the database 23 (FIG. 3B). Note that the operation history registered in the database 23 is not limited to an operation that is detected as an unauthorized operation, but may be an entire operation history. Thus, the operation history of the window terminal 12 is transmitted every time one transaction is completed. However, if there is a limitation on the network speed, etc., it can also be performed at night. The type of operation to be detected can be changed by setting.

  Further, the management server 21 of the headquarter system 20 accesses the database 23 and refers to the transaction status of each branch office at a predetermined cycle (FIG. 3 (5)). Then, the management server 21 analyzes the statistical information, compares the operation to be detected as an unauthorized operation with the past statistical information, and determines the operation to be detected by determining the cumulative number of past months. Stores with a lot of information are regarded as abnormal (FIG. 3 (6)), and the information is stored in the database 23. Note that the criterion for determining whether or not there are many operations to be detected can be changed by setting. Then, when referred to from the headquarters terminal 22, the management server 21 transmits information on the branch with many operations to be detected to the headquarters terminal 22 as a reference result (FIG. 3 (7)). Further, the headquarters terminal 22 can also inquire image data of slips. Furthermore, the headquarters terminal 22 may be forcibly notified when the acquired information is registered in the database 23.

  As described above, in the present embodiment, the management server 21 analyzes statistical information of an operation for correcting input data from a bankbook or a card stripe. In this case, the window terminal 12 has a function of correcting input data from a bankbook or a card stripe. Further, the management server 21 analyzes the statistical information of the seal verification. In this case, the window terminal 12 has a seal collation function. Furthermore, the management server 21 analyzes the statistical information of character recognition. In this case, the window terminal 12 has a character recognition function. That is, when an operation that is rarely performed is performed, this record is managed by the management server 21 and compared with the average value with the entire financial institution to detect an abnormal value and detect an illegal act early. be able to. Further, when the slip is converted into image data, it is possible to refer to the slip from the headquarters and match the input data with the form.

  In addition, since the monitoring is not always performed only in the sales office but also at the headquarters, a check effect can be expected.

  Further, the management server 21 in the headquarters manages the data from each branch as statistical information, and detects the branch that may not comply with the fraudulent act or the business rules from the average value of each branch. be able to.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a conceptual diagram which shows the structure of the office risk monitoring system in the 1st Embodiment of this invention. It is a conceptual diagram which shows the structure of the office work risk monitoring system in the 2nd Embodiment of this invention. It is a conceptual diagram which shows the structure of the office work risk monitoring system in the 3rd Embodiment of this invention. It is a figure which shows the structure of the database in the 1st Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Office risk monitoring system 12 Window terminal 13 Board terminal 14 Person in charge terminal 16 Provisional slip 21 Management server 22 Headquarters terminal 23 Database

Claims (7)

(A) a counter terminal disposed at a financial institution's branch for performing operations for financial transactions;
(B) a database device that is disposed at the headquarters of the financial institution and acquires and registers a history of financial transactions or operations from the window terminal;
(C) a management server that is disposed at the headquarters of the financial institution, accesses the database device, and analyzes statistical information of the history of financial transactions or operations;
(D) a headquarters terminal located at the headquarters of the financial institution that monitors office risks at the branch;
(E) having a terminal at the financial institution that monitors office risks at the branch,
(F) The office risk monitoring system, wherein the management server notifies the headquarters terminal and the office terminal when an abnormality is found based on the result of analyzing the statistical information. (A) a person-in-charge terminal operated by a person in charge, which is disposed at a branch of the financial institution;
(B) The management server manages the due date of an exceptional transaction using a provisional slip, and notifies the headquarters terminal, the officer's terminal and the person in charge terminal about the exceptional transaction approaching or due date. The office risk monitoring system according to claim 1. The office risk monitoring system according to claim 1, wherein the management server analyzes statistical information of a less frequent financial transaction. (A) The window terminal has a function of correcting input data from a bankbook or a card stripe,
(B) The business risk monitoring system according to claim 1, wherein the management server analyzes statistical information of an operation for correcting input data from the stripe. (A) The window terminal has a seal verification function,
(B) The administrative risk monitoring system according to claim 1, wherein the management server analyzes statistical information of seal verification. (A) The window terminal has a character recognition function,
(B) The office risk monitoring system according to claim 1, wherein the management server analyzes statistical information of character recognition. (A) a management server disposed at the headquarters of a financial institution,
(B) Accessing a database device that is installed in a sales office of the financial institution and acquires and registers a history of financial transactions or operations from a window terminal for performing operations for financial transactions, Analyze operation history statistics,
(C) A head office terminal that is disposed in the headquarters of the financial institution and monitors office risks in the sales office when an abnormality is found based on the result of analyzing the statistical information, or a sales office of the financial institution A management server for office risk monitoring, characterized in that it is notified to a board terminal that monitors office risks in the sales office.

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