JP2013105287A - System, method, and program for detecting fraud of order contents - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and method for detecting fraud of order contents, which is capable of automatically detecting fraud of order contents for financial product.SOLUTION: A system 10 for detecting fraud of order contents is configured as follows. When a customer opens an account, his or her address, name, and birth date are inputted to a mobile terminal device 20 of a salesperson visiting the customer and are stored in a customer information DB 61 of a transaction management server 40. When the customer places an order, a driving license presented by the customer is read by an OCR function of the mobile terminal device 20, and the read address, name, and birth date of the customer are transmitted to the transaction management server 40, and the transaction management server 40 compares the address and other information of the customer read by the OCR function with the address and other information of the customer stored in the customer information DB 61, and in the case of mismatch between them, the order is locked.

Description

  The present invention relates to an order content fraud detection system configured by a computer for detecting fraud in the order content of a financial product, a method thereof, and a program. For example, a salesperson goes to a customer's address, It can be used when accepting orders for financial products such as insurance and government bonds.

  Traditionally, in a financial institution such as a bank or securities company, a sales representative in charge of public relations carries a portable device such as a laptop personal computer, visits the customer, and uses the portable device on hand as appropriate. Sales activities such as attaching an order for a financial product at a customer and executing processing of the attached order using the portable device are performed.

  As a system for supporting the activities of sales representatives in charge of external affairs, for example, a sales support system is known in which a mobile phone and a server are connected via the Internet to provide sales support (see Patent Document 1).

  As a peripheral technique related to the present invention, several systems that read character information of a driver's license by OCR are known (see Non-Patent Documents 1 and 2).

JP 2002-140499 A

PROIT Co., Ltd., “PROIT Inc., license reading system”, [online], PROIT homepage, [October 17, 2011 search], Internet <URL: http://www.proit.co.jp/apri2 .htm> Fujitsu Limited, “Public ID Card Reading System“ License OCR System ””, [online], Fujitsu website, [October 17, 2011 search], Internet <URL: http://imagescanner.fujitsu. com / jp / solution / necsoft.html>

  However, in the sales of financial products using mobile devices by the sales representative in charge of external affairs described above, it is possible to assume a malicious act in which the sales employee impersonates a customer and makes an illegal order. Therefore, it is desired to develop a system that can automatically detect such an illegal order and prevent the execution of the illegal order.

  An object of the present invention is to provide an order content fraud detection system, a method thereof, and a program capable of automatically detecting fraud in the order content of a financial product.

  The present invention is an order content fraud detection system configured by a computer for detecting fraud in the order content of a financial product, and is connected to a mobile terminal device with a camera carried by a salesperson via a network. And a transaction management server that executes processing related to the customer's order transaction that is handled by the sales staff, and the portable terminal device stores the order data of the customer's financial product at the time of the order together with the customer code via the network. Order data transmission processing means that executes processing to be sent to the driver and a driver's license or other identity using an order certificate image taken with a camera of the driver's license or other identity certificate presented by the customer at the time of ordering The proof of the order including the customer's address, name, and date of birth read by the OCR function. Transaction information management means comprising: order certificate information transmission processing means for executing processing for transmitting information to a transaction management server via a network together with a customer code or an order code given at the time of ordering The server includes a customer information database that stores customer information including the customer's address, name, and date of birth transmitted from the portable terminal device via the network when the account is opened, in association with the customer code, and the portable terminal at the time of ordering. Order processing means for executing processing for receiving the order data transmitted from the apparatus via the network together with the customer code, and associating the order data received by the order processing means with the customer code or in addition to the order code Order database to be memorized and transmitted from the mobile terminal device via the network when placing an order. Order certificate information reception processing means for executing processing for receiving the incoming order certificate information together with the customer code or the order code in addition to the order code received by the order certificate information reception processing means The customer certificate or the order certificate information database that stores the certificate information in association with the order code and the customer code associated with the order data stored in the order database at the time of order Obtain the address, name, and date of birth of customer information from the information database, and use the customer code or order code associated with the order data to obtain the order certificate information from the order certificate information database. Get the address, name, and date of birth, and the address, name, and date of birth match If either of them does not match, the order lock section of the order database is set to the locked state in order to temporarily stop the order processing of the order data stored in the order database. And a certificate check processing means for executing the processing to be performed.

  In such an order content fraud detection system of the present invention, it is possible to automatically detect an impersonation order by a sales employee using a OCR reading result information of a driver's license or other identification card. Therefore, an order that has been determined to be spoofed can be automatically locked to prevent an illegal order from being executed, thereby achieving the object.

  In the order content fraud detection system, the order processing means of the transaction management server associates the order data received from the mobile terminal device via the network at the time of ordering with the customer code or the order code in addition to the customer code. The order generation time is also stored in association with the customer code or the order code in addition to the customer code, and the order certificate information reception processing means of the transaction management server stores the network from the portable terminal device at the time of ordering. When the certificate information for the order received via the client is stored in the order certificate information database in association with the customer code or in addition to the customer code, the certificate image capture time for OCR is also stored in the customer code or this. In addition to the order code and stored, the transaction management server Compare the order occurrence time stored in the order database associated with the same customer code or the same order code with the certificate image capture time stored in the order certificate information database, and these times In order to temporarily stop the order processing of the order data stored in the order database when it is determined whether or not the deviation is within a predetermined time and exceeds the predetermined time It is desirable to include a time check processing means for executing a process for setting the order lock section of the order database to a locked state.

  As described above, when the time check processing means for comparing the order occurrence time and the certificate image capture time for OCR is provided, the difference between the order occurrence time and the certificate image capture time is usually It is possible to determine that there is a possibility of impersonation when the time is too large compared to the work time required to receive an order from the customer or the operation time of the device. For example, in the morning, the certificate image presented by the customer for another reason is taken and the OCR reading process is performed, and the result is stored in the order certificate information database of the transaction management server. Even if there is no customer, even if an incorrect order is made using the OCR read result information from the certificate image, the difference between the two times becomes large, and the order is locked.

  Furthermore, in the order content fraud detection system described above, the sales management staff terminal device connected to the transaction management server by a communication line and operated by a sales manager who manages the sales staff is provided. Account opening seal image transmission processing means for executing processing to transmit an account opening seal image obtained by photographing a customer's seal imprint with a camera together with a customer code to a transaction management server via a network, An order imprint image transmission processing means for executing a process of transmitting an imprint image for an order obtained by photographing a stamped imprint with a camera together with a customer code or an order code to a transaction management server via a network. The transaction management server is an account opening sign sent from the mobile terminal device via the network when the account is opened. An account opening impression image reception processing means for executing processing for receiving an image together with a customer code, and an account opening impression image received at the time of account opening by the account opening impression image reception processing means in association with the customer code An order imprint that executes a process of receiving an account opening imprint image database to be stored and an order imprint image transmitted from the portable terminal device via the network at the time of order together with the customer code or the order code in addition to this. An image receiving processing means, an order imprint image database for storing an order imprint image received at the time of order by the order imprint image receiving processing means in association with a customer code or an order code, and an order database When order data is generated in which the order lock category is locked, the locked status is generated. A lock occurrence notification processing means for executing a process of transmitting a notification to the effect together with the customer code or the order code to the sales manager terminal device via the communication line, and a comparison browsing request signal from the sales manager terminal device In addition to obtaining an imprint image for opening an account from the account opening imprint image database using the customer code or order code for the order data that is locked and sent via the communication line, and for ordering Acquires an imprint image for order from the imprint image database, and displays the screen display data for comparing and displaying the imprint image for both the account opening and the order to the sales manager terminal device via the communication line. Comparison browsing processing means for executing processing to be transmitted, and lock transmitted from the sales manager terminal device via the communication line A lock that receives the release command signal together with the customer code or order code, and executes the process of setting the order lock classification of the order data associated with the received customer code or order code to the unlocked state. It is desirable that the release processing means is included.

  In this way, when the account is opened and when an order is taken, and when the configuration is such that these imprint images are contrasted and displayed on the sales manager terminal device after notification of the occurrence of lock, when the order is locked The sales manager can compare and view the imprint image for opening an account and the imprint image for ordering, and check whether they match to determine whether to release the lock. It becomes. Therefore, for example, in the banking industry and the like, a seal culture that uses seals instead of signatures remains strong, and by making seal verification possible, confirmation processing in a format that follows conventional practice is also possible. In addition, because the lock notification is sent to the sales manager terminal device, it becomes possible for the sales manager to determine at an early stage whether or not to release the lock. Is possible.

  In the above-described order content fraud detection system, the mobile terminal device is a tablet-type mobile terminal device, and the account opening sign image input by the customer at the time of opening the account is managed together with the customer code via the network. The account opening sign image transmission processing means for executing processing to be transmitted to the server and the order sign image input by the customer at the time of ordering together with the customer code or the order code to the transaction management server via the network An order sign image transmission processing means for executing processing to be transmitted, and the transaction management server converts the account opening sign image transmitted from the portable terminal device via the network at the time of account opening to the customer code Account opening sign image reception processing means for executing processing to be received together with this account opening sign Account opening sign image database for storing the account opening sign image received at the time of account opening by the image reception processing means in association with the customer code, and for ordering transmitted from the mobile terminal device via the network at the time of ordering An order sign image reception processing means for executing processing for receiving a sign image together with a customer code or an order code in addition thereto, and an order sign image received at the time of ordering by the order sign image reception processing means And a sign image database for ordering stored in association with the order code in addition to this, the comparison browsing processing means of the transaction management server provides a communication line along with a comparison browsing request signal from the sales manager terminal device. Customer code for order data that is locked and sent via Uses the order code to obtain an imprint image for opening an account from the imprint image database for opening an account, an imprint image for ordering from the imprint image database for ordering, and an account from the sign image database for opening an account. Display of the sign image for opening and the sign image for order from the sign image database for order, and the display of the screen for comparing and displaying the imprint image and the sign image for both account opening and order It is desirable that the process for transmitting the business data to the sales manager terminal device via the communication line is executed.

  In this way, when signing images are taken at the time of opening an account and at the time of ordering, and when the configuration is such that these sign images are displayed in contrast on the sales manager terminal after notification of occurrence of lock, when the order is locked The sales manager can compare and view the sign image for opening an account and the sign image for ordering, check whether they match, and determine whether to release the lock. It becomes. Accordingly, it is possible to determine the lock release by comparing the seal image and the contrast of the sign image, and the number of determination materials increases. Therefore, the safety in the determination is further increased.

  Further, in the order content fraud detection system described above, the order imprint image reception processing means of the transaction management server converts the order imprint image transmitted from the mobile terminal device via the network at the time of ordering into the customer code or this. In addition, when storing in the order imprint image database in association with the order code, the imprint image capture time is also stored in association with the customer code or in addition to the order code, and the transaction management server receives the order sign image. When the processing means stores the order sign image transmitted from the portable terminal device via the network at the time of order in the order sign image database in association with the customer code or the order code in addition to the customer code, the sign image The capture time is also stored in association with the customer code or in addition to the order code. The time check processing means of the transaction management server includes the order occurrence time stored in the order database associated with the same customer code or the same order code at the time of order and the certificate stored in the order certificate information database. The document image capture time, the imprint image capture time stored in the order seal image database, and the sign image capture time stored in the order sign image database are compared, and a time difference between these times is determined in advance. If the preset time is exceeded, the order lock section of the order database is locked to temporarily stop the order processing of the order data stored in the order database. It is desirable to be configured to execute the process of setting to a state.

  As described above, when the configuration includes the time check processing means for comparing the order generation time, the certificate image capturing time for OCR, the imprint image capturing time, and the signature image capturing time, these times are used. It is possible to determine that there is a possibility of impersonation when the divergence is too large in comparison with the work time and the operation time of the device that are usually required when receiving an order from a customer. In addition to the order generation time and the certificate image capture time for OCR, a time check that takes into account the imprint image capture time and signature image capture time is also performed, so the number of check materials increases, so the safety in judgment is more Increased further.

  Further, in the order content fraud detection system described above, the mobile terminal device is a mobile terminal device with a GPS function, and the order data transmission processing means of the mobile terminal device is the order time position measured by GPS together with the order data. It is configured to execute a process of transmitting information to the transaction management server via the network, and the order processing means of the transaction management server receives the order data and order position information transmitted from the mobile terminal device via the network. The transaction management server receives the customer code and stores the received order data and order position information in the order database in association with the customer code or in addition to the order code. Customer using the customer code associated with the order data stored in the order database The address of customer information is acquired from the information database, the acquired address is compared with the position information at the time of order stored in the order database, and it is determined whether or not these correspondences are correct. In this case, it is configured to include position information check processing means for executing processing for setting the order lock section of the order database to the locked state in order to temporarily stop the order processing of the order data stored in the order database. It is desirable that

  As described above, when the position information check processing means for comparing the position information at the time of ordering by GPS positioning and the registered address stored in the customer information database is provided, it is acquired by the GPS function of the mobile terminal device. Since it is possible to automatically detect impersonation orders from customers by using the location information of the mobile terminal device, this also automatically determines orders that have been determined to be impersonation. The lock can be used to prevent unauthorized orders from being executed.

  And in the order content fraud detection system described above, the mobile terminal device is a mobile terminal device with a GPS function, and as customer information, the account opening position information measured by GPS at the time of account opening, together with the customer code, Order information transmission processing means configured to include customer information transmission processing means for executing processing to be transmitted to the transaction management server via the network. The order data transmission processing means of the portable terminal device includes order data and order position information measured by GPS at the time of ordering. Is sent to the transaction management server via the network, and the customer information database of the transaction management server includes the customer's address, name, and date of birth as the customer information, and the position at the time of opening the account. The information is also stored in association with the customer code, and the order processing means of the transaction management server The order data and order position information transmitted from the mobile terminal device via the network are received together with the customer code, and the received order data and order position information are associated with the customer code or in addition to the order code. The transaction management server is configured to execute processing stored in the order database, and the transaction management server opens an account of the customer information from the customer information database by using the customer code associated with the order data stored in the order database at the time of ordering. The time position information is acquired, and the acquired position information at the time of opening the account is compared with the position information at the time of order stored in the order database, and it is determined whether or not they match. The order database note to temporarily stop the order processing of the order data stored in the order database It may be configured to include the location information check processing means for executing processing for the lock segment to the state of the lock Yes.

  Position information check processing means for performing GPS positioning at the time of opening an account in this way and registering it in the customer information database and comparing the position information at the time of ordering by GPS positioning with the position information at the time of account opening by the registered GPS positioning As in the case of the configuration including the position information check processing means for comparing the position information at the time of ordering by the GPS positioning described above and the registered address stored in the customer information database. Since the position information of the mobile terminal device acquired by the GPS function of the mobile terminal device can be used to automatically detect the impersonation order from the salesperson to the customer, this also has the possibility of impersonation. An order that is determined to be present can be automatically locked to prevent unauthorized order execution.

  In addition, in the order content fraud detection system described above, the mobile terminal device, together with the customer code, a certificate image for opening an account obtained by photographing a driver's license or other identification card presented by the customer at the time of opening the account with a camera. An account opening certificate image transmission processing means for executing processing to be transmitted to the transaction management server via the network is configured, and the order certificate information transmission processing means of the portable terminal device is configured as order certificate information. The certificate image for ordering is also configured to execute a process of transmitting to the transaction management server via the network together with the customer code or the order code in addition to the customer code. Account opening certificate that executes processing to receive the account opening certificate image sent with the customer code via the network A document image reception processing means, and an account opening certificate image database for storing the account opening certificate image received by the account opening certificate image receiving processing means in association with a customer code, The order certificate information reception processing means of the transaction management server uses the OCR function to read the address, name, and date of birth as order certificate information transmitted from the mobile terminal device via the network when placing an order. In addition, the photographed order certificate image is also received along with the customer code or the order code, and the received order certificate image is also associated with the customer code or the order code in addition to the order code. The comparison browsing processing means of the transaction management server is compared with the sales management person in charge terminal device. Acquire an imprint image for opening an account from an imprint image database for opening an account using a customer code or an order code for the order data that is in a locked state and transmitted via a communication line together with a request signal An order imprint image is obtained from the order imprint image database, an account opening sign image is obtained from the account opening sign image database, and an order sign image is obtained from the order sign image database. In addition, the certificate image for opening an account is acquired from the certificate image database for opening an account, and the certificate image for ordering is acquired from the certificate information database for ordering. Table of screens that display contrast images, signature images, and certificate images for both It is desirable that the processing for transmitting the display data to the sales manager terminal device via the communication line is executed.

  In this way, when a certificate image is taken at the time of opening an account and at the time of ordering, and the configuration is such that these certificate images are displayed in contrast on the sales manager terminal after notification of occurrence of lock, the order is locked. Sometimes, the sales manager compares and browses the certificate image for opening an account and the certificate image for ordering, confirms whether they match, and decides whether to unlock It becomes possible to do. Accordingly, it is possible to determine the lock release by comparing the seal image, the signature image, and the certificate image, and the number of determination materials increases. Therefore, the safety in the determination is further enhanced.

  Further, in the order content fraud detection system described above, the mobile terminal device is capable of receiving a QR code (QR code is a registered trademark) including a salesperson ID printed on an employee ID card held by the salesperson when an account is opened or ordered. )) And sending the QR code reading result information including the salesperson ID to the transaction management server via the network together with the login input information including the salesperson ID input by the salesperson for login. The transaction management server is configured to include login information transmission processing means to execute, and the transaction management server executes processing for creating print data for issuing an employee ID printed with a QR code including a salesperson ID. Data creation processing means and QR code reading result information transmitted from the mobile terminal device via the network when an account is opened or ordered The salesperson ID is compared with the salesperson ID as login input information, and it is determined whether or not they match. If they do not match, the process proceeds to account opening processing or order processing. It is desirable to include sales representative login processing means for executing processing to be terminated.

  When the QR code (QR code is a registered trademark) including the sales employee ID is printed on the employee ID and the sales employee login process is performed using the read result information of the QR code. Since it takes time and labor to create a QR code including a salesperson ID, it is difficult to perform unauthorized login by another salesperson ID, or there is an effect of preventing unauthorized login. For this reason, it becomes possible to perform a more strict log-in process than a normal log-in process simply by inputting a salesperson ID and a password.

  Further, in the order content fraud detection system described above, the customer information database of the transaction management server is configured to store, as customer information, the sales representative ID of the sales representative responsible for the customer in association with the customer code. The management server acquires the sales representative ID from the customer information database using the customer code associated with the order data stored in the order database at the time of order, and uses the acquired sales representative ID and the sales representative login processing means The received salesperson ID as the login input information is compared to determine whether or not they match, and if they do not match, the order processing of the order data stored in the order database is performed. Responsible for executing the process of setting the order lock category in the order database to the locked state in order to cancel temporarily It is desirable that is configured to include a check processing means.

  When the person-in-charge check processing unit is configured as described above, the sales representative ID stored in the customer information database is compared with the sales representative ID input at the time of login, and they match. If not, it is possible to check the impersonation of another salesperson by the salesperson by locking the order.

  The order content fraud detection method realized by the order content fraud detection system of the present invention described above includes the following order content fraud detection method of the present invention.

  That is, an order content fraud detection method executed by an order content fraud detection system configured by a computer that detects fraud of an order content of a financial product, a mobile terminal device with a camera carried by a salesperson, A transaction management server connected to the mobile terminal device via the network and executing processing related to the order transaction of the customer in charge of the sales staff is provided, and the customer information database of the transaction management server is connected to the customer information database of the transaction management server from the mobile terminal device via the network. The customer information including the customer's address, name, and date of birth that has been sent is stored in association with the customer code, and the order data transmission processing means of the mobile terminal device receives the order data of the customer's financial product at the time of ordering. , Along with the customer code, is sent to the transaction management server via the network. The processing means receives the order data transmitted from the portable terminal device via the network at the time of ordering together with the customer code, and deals with the received order data in association with the customer code or an order code automatically added thereto. A process for storing in the order database of the management server is executed, and the order certificate information transmission processing means of the portable terminal device is used for the order in which the driver's license or other identification certificate presented by the customer at the time of ordering is taken with the camera. Using the certificate image, the characters indicating the contents of the driver's license or other identification card are read using the OCR function, and the customer's certificate information for the order including the customer's address, name, and date of birth is read. Executes the process of sending to the transaction management server via the network together with the code or the order code in addition to this, The order certificate information reception processing means receives the order certificate information transmitted from the portable terminal device via the network at the time of ordering together with the customer code or the order code in addition to the order code. The certificate information is stored in the order management certificate information database of the transaction management server in association with the customer code or the order code in addition to the customer code. Use the customer code associated with the order data stored in the database to obtain the address, name, and date of birth of the customer information from the customer information database, and the customer code associated with the order data or Using the order code, the address and name of the order certificate information from the order certificate information database , And the date of birth, and the address, name, and date of birth are compared to determine whether they match, and if either does not match, the order data stored in the order database In order to temporarily stop the order processing, the processing of setting the order lock classification of the order database to the locked state is executed.

  In such an order content fraud detection method of the present invention, the actions and effects obtained by the above-described order content fraud detection system of the present invention can be obtained as they are, thereby achieving the object.

  The program of the present invention is for causing a computer to function as the order content fraud detection system described above.

  The above-mentioned program or a part thereof is, for example, a magneto-optical disk (MO), a read-only memory (CD-ROM) using a compact disk (CD), a CD recordable (CD-R), a CD rewritable (CD -RW), read-only memory (DVD-ROM) using digital versatile disk (DVD), random access memory (DVD-RAM) using DVD, flexible disk (FD), magnetic tape, hard disk, It can be recorded on storage media such as read-only memory (ROM), electrically erasable and rewritable read-only memory (EEPROM), flash memory, and random access memory (RAM) for storage and distribution. And, for example, a local area network (LA ), A metropolitan area network (MAN), a wide area network (WAN), a wired network such as the Internet, an intranet, or an extranet, or a wireless communication network, or a combination thereof. It is also possible to carry it on a carrier wave. Furthermore, the above program may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, it is possible to automatically detect an impersonation order from a sales employee to a customer by using the OCR reading result information of a driver's license or other identification card. For orders that have been determined to be possible, there is an effect that an automatic lock can be automatically applied to prevent the execution of illegal orders.

1 is an overall configuration diagram of an order content fraud detection system according to an embodiment of the present invention. The block diagram of each database of the order content fraud detection system of the said embodiment. The figure of the flowchart which shows the flow (the 1) of the fraud detection of the order content by the order content fraud detection system of the said embodiment. The figure of the flowchart which shows the flow (the 2) of the fraud detection of the order content by the order content fraud detection system of the said embodiment.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of an order content fraud detection system 10 of the present embodiment. FIG. 2 shows the configuration of each database 60 to 68 of the order content fraud detection system 10. 3 and 4 are flowcharts showing the flow of order content fraud detection by the order content fraud detection system 10.

  In FIG. 1, an order content fraud detection system 10 performs processing related to order transactions of a mobile terminal device 20 carried by each salesperson and a customer who is connected to the mobile terminal device 20 through the network 1 and is in charge of each salesperson. A transaction management server 40 to be executed, and a sales manager terminal device 70 that is connected to the transaction management server 40 via the network 1 and is operated by a sales manager in charge of managing a plurality of sales employees and their operations.

  Here, in the present embodiment, the network 1 is the Internet or a wired network that is centered on the Internet and is a combination of an intranet, extranet, LAN, MAN, WAN, or the like, and a wired network that is centered on the Internet or the Internet. Mobile communication network such as a mobile phone network and a public wireless LAN forming the connection environment.

  In FIG. 1, the connection between the mobile terminal device 20 and the transaction management server 40 and the connection between the sales management person-in-charge terminal device 70 and the transaction management server 40 are both via the Internet. Although the mobile terminal device 20 is assumed to be used by a salesperson going out to a customer, the mobile terminal device 20 is connected to the Internet via a wireless communication network. The sales manager terminal device 70 may be a desktop personal computer that is not assumed to be moved and used, and may be connected to the Internet without going through a wireless communication network. In this embodiment, the mobile terminal device 20 and the sales manager terminal device 70 both use a common network in the sense that they are connected to the transaction management server 40 via the Internet. For example, while the connection between the mobile terminal device 20 and the transaction management server 40 is a connection via the Internet, the sales management person in charge terminal device 70 and the transaction management server 40 The connection may be a connection through a communication line including an internal network such as an intranet or an in-house LAN.

  The mobile terminal device 20 is a tablet-type mobile terminal device with a GPS function and equipped with a GPS receiver, and the input operation may be performed by any of a pen, a finger, a mouse, etc. The mechanism for detecting the screen position instructed by the input operation may be any system such as a capacitance type, a pressure sensitive type, and an optical type. This portable terminal device 20 includes an login opening information transmission processing means 21, a customer information transmission processing means 22, an account opening sign image transmission processing means 23, and an account opening operation as an account opening certificate image transmission processing means. License image transmission processing means 24, account opening seal image transmission processing means 25, order data transmission processing means 26, order sign image transmission processing means 27, and order certificate information transmission processing means. It includes a driver's license information transmission processing means 28 and an order seal image transmission processing means 29.

  The login information transmission processing means 21 is a QR code including a salesperson ID printed on the employee ID card held by the salesperson when opening an account or when placing an order (the QR code is a registered trademark for a matrix type two-dimensional code). ) Is read by the camera, and the salesperson ID and password for login by the salesperson are accepted, and the salesperson ID and password that the salesperson has input for the QR code reading result information including the salesperson ID for login The process which transmits to the transaction management server 40 via the network 1 with the input information for login containing is performed.

  In the present embodiment, the QR code (QR code is a registered trademark) includes a salesperson ID, but does not include a password. However, the QR code does not include a salesperson. An ID and a password may be included. However, in this case, the password is duplicated and the salesperson ID and the first password are included in the QR code, and the salesperson ID and the first and second passwords for the login by the salesperson are entered. And the QR code reading result information including the sales staff ID and the first password is included by the login information transmission processing means 21 including the sales staff ID and the first and second passwords entered by the sales staff for login. It is desirable to transmit it together with the login input information to the transaction management server 40 via the network 1.

  The customer information transmission processing means 22 accepts the customer's address, name, and date of birth by the salesperson at the time of opening the account, and the customer's address, name, date of birth, and date of input entered at the time of login. A process of transmitting the sales representative ID as customer information together with the customer code to the transaction management server 40 via the network 1 is executed. The customer information transmission processing means 22 further performs GPS positioning at the time of opening an account, and the account opening position information (latitude / longitude information indicating the customer's whereabouts) indicating the current position of the mobile terminal device 20 by GPS positioning is also provided. The customer information may be transmitted together with the customer code to the transaction management server 40 via the network 1. Further, the customer information transmission processing means 22 replaces the processing of accepting the customer's address, name and date of birth by the sales staff, and the driver's license photographed by the account opening driver's license image transmission processing means 24 described later. It is also possible to use a certificate image (certificate image) to execute processing for reading the customer's address, name, and date of birth with the OCR function.

  The account opening sign image transmission processing means 23 executes a process of transmitting the account opening sign image input to the tablet by the customer at the time of opening the account to the transaction management server 40 via the network 1 together with the customer code. To do. It is desirable that the input sign image for opening an account is configured not to be stored in the mobile terminal device 20 in order to prevent subsequent unauthorized use.

  The account opening driver's license image transmission processing means 24 shoots the driver's license presented by the customer at the time of opening the account with a camera, and the photographed driver's license image (certificate image) for opening the account, along with the customer code, The process of transmitting to the transaction management server 40 via the network 1 is executed. The photographing of the driver's license image (certificate image) by the account opening driving license image transmission processing means 24 is not for OCR, but the customer information transmission processing means 22 uses the customer's address, name, In addition, the customer's address, name, and date of birth are obtained by the OCR function using the driver's license image (certificate image) photographed by the account opening driver's license image transmission processing means 24 instead of accepting the date of birth. The date may be read, and the address, name, and date of birth of the read customer may be registered. In addition, it is desirable that the photographed driver's license image (certificate image) for opening an account is not stored in the mobile terminal device 20 in order to prevent subsequent unauthorized use.

  The account opening seal image transmission processing means 25 photographs a seal imprinted with the customer's seal at the time of opening the account with a camera, and the transaction management server 40 via the network 1 with the photographed seal opening image together with the customer code. Is executed. When this imprint image is taken, a square frame indicating the stamped part is drawn on the stamping paper brought by the sales staff, and the customer stamps his / her own seal in the frame. Or, after the sales representative acts as a proxy for the customer seal handed over from the customer, the seal image including the square frame is taken. It is desirable that the photographed imprint image is configured not to be stored in the mobile terminal device 20 in order to prevent subsequent unauthorized use.

  The order data transmission processing means 26 inputs the order data of the customer's financial product by the salesperson at the time of ordering (in this embodiment, as an example, the brand code, brand name, quantity (unit) or amount of the investment trust). And at the time of ordering position information indicating the current position of the mobile terminal device 20 by GPS positioning (acquisition of the customer visited by the salesperson, that is, latitude / longitude information indicating the place where the customer received the order) Then, a process of transmitting the sales representative ID, the order data input by the salesperson, and the order position information by GPS positioning to the transaction management server 40 through the network 1 together with the customer code is executed.

  The order sign image transmission processing means 27 uses the customer sign (customer code and order code when the order code is automatically given at the time of ordering) At the same time, processing to be transmitted to the transaction management server 40 via the network 1 is executed. The inputted order sign image is preferably configured not to be stored in the mobile terminal device 20 in order to prevent subsequent unauthorized use.

  The order driver's license information transmission processing means 28 takes a driver's license presented by the customer at the time of ordering with a camera, and uses the photographed driver's license image (order certificate image) to take a driver's license. The characters indicating the contents of the certificate are read with the OCR function, and the customer's address, name, and date of birth, which is the OCR reading result information, and the driver's license image for ordering used for the OCR (certificate for ordering) Image) as a driver's license information for ordering (certificate information for ordering), together with a customer code (customer code and order code if an order code is automatically given at the time of ordering) via the network 1 The process of transmitting to the transaction management server 40 is executed. It should be noted that the photographed ordering driver's license image (ordering certificate image) may be configured not to be stored in the mobile terminal device 20 in order to prevent subsequent unauthorized use. desirable.

  The order imprint image transmission processing means 29 shoots the imprint imprinted with the customer's seal at the time of order with the camera, and the photographed imprint image for the order is taken as the customer code (if the order code is automatically given at the time of ordering, (Customer code and order code) are transmitted to the transaction management server 40 via the network 1. When this imprint image is photographed, the imprint image is photographed including a square frame in the same manner as when the account is opened. In addition, it is desirable that the photographed order imprint image is configured not to be stored in the mobile terminal device 20 in order to prevent subsequent unauthorized use.

  In the above, each processing means 21 to 29 of the mobile terminal device 20 is performed by a central processing unit (CPU) provided in the mobile terminal device 20 and one or a plurality of programs that define the operation procedure of the CPU. Realized.

  The transaction management server 40 is configured by a computer, and salesperson information registration processing means 41, employee ID issuing print data creation processing means 42, salesperson login processing means 43, account opening processing means 44, and account opening processing. Sign image reception processing means 45, account opening driver's license image reception processing means 46 as account opening certificate image reception processing means, account opening seal image reception processing means 47, order processing means 48, order Sign image reception processing means 49, ordering license information reception processing means 50, order driver's license information reception processing means 50, order imprint image reception processing means 51, person-in-charge check processing means 52, certification A driver's license check processing means 53, a position information check processing means 54, a time check processing means 55, and a lock occurrence notification. A management means 56, a comparative browsing processing means 57, a lock release processing means 58, a salesperson information database 60, a customer information database 61, an account opening sign image database 62, and an account opening certificate image database. Account opening driver's license image database 63, account opening imprint image database 64, order database 65, order sign image database 66, order driver's license information database 67 which is an order certificate information database, And an order imprint image database 68.

  The sales staff information registration processing means 41 receives and receives the sales staff ID, password, and sales staff name input by the sales management staff transmitted from the sales management staff terminal device 70 via the network 1. The password and the salesperson name are stored as salesperson information in association with the salesperson ID in the salesperson information database 60 (see FIG. 2).

  The employee ID issuance print data creation processing means 42 uses a salesperson ID stored in the salesperson information database 60 (see FIG. 2), and a QR code including this salesperson ID (the QR code is a registered trademark). )) Is executed to create print data for issuing a printed employee ID card. Note that the print data for issuing the employee ID card on which the created QR code is printed is input to the printing apparatus 80 and used for the issuance printing of the employee ID card 81 as shown in FIG.

  The salesperson login processing means 43 includes QR code reading result information (QR code is a registered trademark) including a salesperson ID transmitted from the mobile terminal device 20 via the network 1 when an account is opened or ordered. The salesperson receives the login input information including the salesperson ID and password entered by the salesperson for login, and the salesperson ID included in the received QR code reading result information and the salesperson included in the received login input information. Confirm whether the ID matches, and if both salesperson IDs do not match, end the transition to account opening processing or order processing without allowing login, and both salesperson IDs Are matched, the password stored in the salesperson information database 60 (see FIG. 2) associated with the matched salesperson ID, Confirm that the password included in the login input information matches, and if both passwords match, accept the login and proceed to account opening processing or order processing. If they do not match, a process for ending the transition to the account opening process or the order process without executing login is executed.

  In the present embodiment, the QR code (QR code is a registered trademark) includes a salesperson ID, but does not include a password. However, the QR code does not include a salesperson. The ID and password may be included. In this case, the salesperson login processing unit 43 is included in the salesperson ID and password included in the received QR code reading result information and the received login input information. Check whether the salesperson ID and password match, and if either salesperson ID or password does not match, proceed to account opening or order processing without allowing login. If the salesperson ID and password match, the salesperson information database 60 (see FIG. Whether the password stored in the reference) and the password included in the received login input information (on the assumption that it matches the password included in the received QR code reading result information) are the same. If both passwords match, the login is accepted and the process proceeds to account opening or order processing. If both passwords do not match, the account is not allowed to log in. What is necessary is just to make it the structure which complete | finishes transfer to an opening process or an order process.

  However, in this case, although it is in the state of QR code (QR code is a registered trademark), the password is also exposed to outside eyes, so the password is duplicated and the salesperson ID is included in the QR code It is desirable to include the first password and the input of the salesperson ID and the first and second passwords for login by the salesperson. In this way, when the password is duplicated, the salesperson login processing means 43 receives the salesperson ID and the QR code reading result information including the first password, and the salesperson ID entered by the salesperson for login. Along with the login input information including the first and second passwords, the salesperson ID and the first password received from the mobile terminal device 20 via the network 1 and included in the received QR code reading result information are received. Check whether the salesperson ID and the first password included in the login input information match each other. If either the salesperson ID or the first password does not match, log in If the transition to account opening processing or order processing is terminated without authorization, and both the sales employee ID and the first password match, they match. First and second passwords associated with the salesperson ID and stored in the salesperson information database 60 (see FIG. 2), and first and second passwords (first) included in the received login input information. The first password and the second password are assumed to match the first password included in the received QR code reading result information. If both passwords match, login is permitted and the process proceeds to account opening or order processing. If either the first or second password does not match, login is not permitted. The configuration may be such that the transition to account opening processing or order processing is terminated.

  The account opening processing means 44 receives the customer's address, name, date of birth, and sales representative ID, which are transmitted from the mobile terminal device 20 via the network 1 when the account is opened, together with the customer code as customer information. Then, the received customer information is associated with the customer code and stored in the customer information database 61 (see FIG. 2). In addition, account opening position information (latitude / longitude information indicating a customer's whereabouts) indicating the current position of the mobile terminal device 20 by GPS positioning from the mobile terminal device 20 via the network 1 when the account is opened is also customer information. If it has been transmitted, the position information (latitude / longitude information indicating the customer's whereabouts) based on this GPS positioning is also received and stored in the customer information database 61 in association with the customer code ( (See parentheses in FIG. 2).

  The account opening sign image reception processing means 45 receives the account opening sign image transmitted from the mobile terminal device 20 via the network 1 at the time of opening the account together with the customer code, and receives the received account opening sign image. Is stored in the account opening sign image database 62 (see FIG. 2) in association with the customer code.

  The account opening driver's license image reception processing means 46 receives the account opening driver's license image (certificate image) transmitted from the mobile terminal device 20 via the network 1 at the time of opening the account together with the customer code. The received account opening driver's license image (certificate image) is stored in the account opening driver's license image database 63 (see FIG. 2) in association with the customer code.

  The account opening seal image reception processing means 47 receives the account opening seal image transmitted from the mobile terminal device 20 via the network 1 at the time of opening the account together with the customer code, and receives the received account opening seal image. Is stored in the account opening impression image database 64 (see FIG. 2) in association with the customer code after the keystone correction. Here, trapezoidal correction means that when a square frame taken with an imprint is trapezoidal, the imprint image is corrected so that the trapezoid returns to a square, that is, the image is taken from an angle. This means that an imprinted image that is not uniform is corrected as if it was taken from the front. This trapezoidal correction function may be provided on the account opening seal image transmission processing means 25 side of the mobile terminal device 20.

  The order processing means 48 includes a sales representative ID and financial product order data transmitted from the mobile terminal device 20 via the network 1 at the time of ordering (in this embodiment, as an example, a stock code, a brand name of an investment trust, And the location information at the time of ordering by GPS positioning (latitude / longitude information indicating the location of the customer visited by the sales staff, that is, the location where the order was received from the customer) The received sales representative ID, order data, and order position information are received together with the code and stored in the order database 65 (see FIG. 2) in association with the customer code. The order processing means 48 also executes a process of storing the order data reception time in the order database 65 in association with the customer code as the order occurrence time.

  When the order processing means 48 cannot specify the customer's order only by the customer code, for example, when handling the financial product that the same customer can order multiple times for the same brand on the same day, etc. The order code is automatically assigned to the order, and the received sales representative ID, order data, and order position information are stored in the order database 65 (see FIG. 2) in association with the customer code and the order code. Also, a process of transmitting the automatically assigned order code to the mobile terminal device 20 via the network 1 is also executed.

  The order sign image reception processing means 49 converts the order sign image transmitted from the portable terminal device 20 via the network 1 at the time of ordering into a customer code (if the order code is automatically given at the time of ordering, the customer And the received sign image for the order received in association with the customer code (the customer code and the order code when the order code is automatically given at the time of ordering) and the order sign image database 66 ( (See FIG. 2). Further, the order sign image reception processing means 49 uses the reception time of the order sign image as the sign image capture time, and the customer code (customer code and order code when the order code is automatically given at the time of order) A process of storing in the order sign image database 66 (see FIG. 2) in association with the ID is executed.

  The order driver's license information reception processing means 50 is used for the OCR reading result information transmitted from the mobile terminal device 20 via the network 1 at the time of ordering, and the customer's address, name, date of birth, and OCR. The customer's code (when the order code is automatically given at the time of order) is used as the driver's license information for order (certificate information for order). , Customer code and order code), and the received driver's license information (certificate information for order) is received along with the customer code (if the order code is automatically given at the time of order, customer code and order) The process is stored in the ordering driver's license information database 67 in association with the code). Further, the ordering driver's license information reception processing means 50 uses the customer code (at the time of ordering) as the time for receiving the ordering driver's license information (certificate information for ordering) as the certificate image capturing time for OCR. When the order code is automatically given, a process of storing in the order driver's license information database 67 in association with the customer code and the order code is executed.

  The order imprint image reception processing means 51 converts the order imprint image transmitted from the portable terminal device 20 via the network 1 at the time of ordering into a customer code (if the order code is automatically given at the time of the order, the customer Code and order code), and after the key image of the received order imprint image is corrected, it is related to the customer code (customer code and order code if the order code is automatically given at the time of ordering) The process of storing in the seal image database 68 (see FIG. 2) is executed. Further, the order imprint image reception processing means 51 uses the order imprint image reception time as the imprint image capture time, and a customer code (customer code and order code when an order code is automatically given at the time of order). A process of storing them in the order imprint image database 68 (see FIG. 2) in association with the above is executed. The trapezoidal correction function may be provided on the order imprint image transmission processing means 29 side of the mobile terminal device 20.

  The person-in-charge check processing means 52 uses the customer code associated with the order data stored in the order database 65 (see FIG. 2) at the time of ordering to obtain the sales representative ID from the customer information database 61 (see FIG. 2). The acquired salesperson ID and the salesperson ID as the login input information received by the salesperson login processing means 43 (the salesperson ID as the QR code reading result information received by the salesperson login processing means 43 and And if they do not match, if they do not match, the order of the order data stored in the order database 65 is determined. In order to temporarily stop the process, a process of setting the order lock classification of the order data in the order database 65 to the lock “present” state is executed. It is intended.

  The driver's license check processing means 53 receives order data (in this embodiment, as an example, a stock code, a brand name, a quantity (unit number) or an amount of money stored in the order database 65 (see FIG. 2) at the time of ordering. The customer code associated with the customer information database 61 (see FIG. 2) is used to obtain the address, name, and date of birth of the customer information from the customer information database 61 (see FIG. 2), and the customer associated with the order data. The driver's license information for ordering (certificate information for ordering) from the ordering driver's license information database 67 (see FIG. 2) using a code (or an order code if an order code is automatically given at the time of ordering) ), The customer's address, name, and date of birth, which are OCR reading result information, are acquired, and whether these addresses, name, and date of birth match is compared. If the address, name, or date of birth do not match, the order database 65 stores the order data stored in the order database 65 in order to temporarily stop the order processing. A process of setting the order lock classification of the order data to the lock “present” state is executed.

  The position information check processing means 54 uses the customer code associated with the order data stored in the order database 65 (see FIG. 2) at the time of ordering, from the customer information database 61 (see FIG. 2), The address is acquired, and the acquired address (registered address) and the current position position of the mobile terminal device 20 by GPS positioning stored in the order database 65 by the order processing means 48 (customer visited by the sales staff) , That is, the latitude / longitude information indicating the place where the order is received from the customer), it is determined whether or not these correspondences are correct. In order to temporarily stop the order processing of the order data stored in the order database 65, the order lock section of the order data in the order database 65 is locked. And it executes the processing for the state. At this time, the order information (latitude / longitude) at the time of order may be converted to an address (Roppongi, Minato-ku, Tokyo, etc.) and then compared with the registered address. You may compare with position information. In addition, conversion from latitude / longitude to an address (Roppongi, Minato-ku, Tokyo, etc.) or vice versa is performed by communicating with an external system (not shown) via the network 1 to obtain the conversion result from the external system. It is good also as a structure.

  The time check processing means 55 receives the order generation time for the order data stored in the order database 65 (see FIG. 2) at the time of ordering, and the same customer code as the customer code associated with the order data. When automatically assigned, the driver's license image capture time stored in the ordering driver's license information database 67 (see FIG. 2) in association with the order code that is the same as the order code associated with the order data) (Certificate image capture time), imprint image capture time stored in the order imprint image database 68 (see FIG. 2), and sign image capture time stored in the order sign image database 66 (see FIG. 2). To determine whether the difference between these times is within a predetermined time (for example, within one minute). If the predetermined time has been exceeded, the order lock section of the order data in the order database 65 is locked “present” in order to temporarily stop the order processing of the order data stored in the order database 65. The process of setting the state is executed.

  In the present embodiment, whether the order generation time, the driving license image capturing time (certificate image capturing time), the seal image capturing time, and the signature image capturing time are within a predetermined time. However, instead of determining whether all of these four times are within a predetermined time, the order generation time and the remaining three times It may be determined whether any one or two of these times (that is, a total of two or three times including the order occurrence time) is within a predetermined time. For example, it may be determined whether or not two times of the order generation time and the driver's license image capturing time (certificate image capturing time) are within a predetermined time.

  The lock occurrence notification processing means 56 monitors whether or not the order lock classification of each record constituting the order database 65 (see FIG. 2) is in a lock “present” state, and the order lock classification is “locked”. When order data that is in the state is generated, a notification that the lock is “Yes” is sent along with the customer code (customer code and order code if the order code is automatically given at the time of order) For example, a process of automatically transmitting to the sales manager terminal device 70 via the network 1 by e-mail or the like is executed.

  The comparison browsing processing means 57 sends a customer code (order code at the time of ordering) to the locked order data transmitted from the sales management person in charge terminal device 70 via the network 1 together with the comparison browsing request signal. In the case of automatic assignment, an order opening image is used to acquire an account opening seal image from the account opening seal image database 64 (see FIG. 2) and an order seal image database 68 (see FIG. 2). An order seal image is acquired from the account, and a sign image for opening an account is acquired from the account opening sign image database 62 (see FIG. 2), and the order sign image database 66 (see FIG. 2) is used for ordering. In addition, a driver's license image for opening an account is obtained from the account opening driver's license image database 63 (see FIG. 2). (Certificate image) is acquired, and an order driver's license image (certificate image) is acquired from the order driver's license information database 67 (see FIG. 2), both for opening an account and for ordering. Display data for a screen (Web screen) that displays seal images, signature images, and driver's license images (certificate images) for each other, and displays the generated screen (Web screen) Is transmitted to the sales manager terminal device 70 via the network 1. On the screen (Web screen) for comparing and displaying seal images, signature images, and driver's license images (certificate images) for both account opening and ordering, for transmitting an unlock command signal The button is provided.

  In the present embodiment, the comparison browsing processing means 57 displays a screen for comparing and displaying seal image images, signature images, and driver's license images (certificate images) for both account opening and ordering ( Web screen) display data is created, but not all of these three types of images are displayed in comparison, but among imprint images, signature images, and driver's license images (certificate images). Any one or two types of images may be displayed in comparison.

  The unlock processing means 58 sends the unlock command signal transmitted from the sales manager terminal device 70 via the network 1 together with the customer code (or the order code when the order code is automatically given at the time of ordering). The process of receiving and executing the process of setting the order lock category of the order data associated with the received customer code or order code and stored in the order database 65 (see FIG. 2) to the lock “no” state. .

  As shown in FIG. 2, the salesperson information database 60 includes the password and the salesperson name transmitted from the sales manager terminal device 70 via the network 1 and received by the salesperson information registration processing means 41 together with them. The information is stored in association with the received salesperson ID.

  As shown in FIG. 2, the customer information database 61 includes a customer address, name, and date of birth that are transmitted from the mobile terminal device 20 via the network 1 and received by the account opening processing means 44 at the time of opening an account, and The sales representative ID is stored as customer information in association with the customer code. In addition, when the account opening position information (latitude / longitude information indicating the customer's whereabouts) by GPS positioning is transmitted from the mobile terminal device 20 via the network 1 when the account is opened, the position information when the account is opened Is also stored in association with the customer code.

  As shown in FIG. 2, the account opening sign image database 62 is transmitted from the mobile terminal device 20 via the network 1 at the time of opening an account and received by the account opening sign image receiving processing means 45 at the time of opening the account. The sign image for use is stored in association with the customer code. The sign image for opening an account only needs to be associated with the customer code. More specifically, the file name of the image is stored in a record constituting the database, and the file is stored in another folder. Alternatively, a file name including a customer code may be attached.

  As shown in FIG. 2, the account opening driver's license image database 63 is an account transmitted from the mobile terminal device 20 via the network 1 when the account is opened and received by the account opening driver's license image receiving processing means 46. An opening driver's license image (certificate image) is stored in association with a customer code. In addition, since the driver's license image (certificate image) for opening an account only needs to be associated with the customer code, more specifically, the file name of the image is stored in a record constituting the database, The file may be stored in another folder or may be given a file name that includes the customer code.

  As shown in FIG. 2, the account opening imprint image database 64 is transmitted from the mobile terminal device 20 via the network 1 at the time of opening an account and received by the account opening imprint image receiving processing means 47 at the time of opening the account. The seal image for use is stored in association with the customer code. In addition, since the imprint image for opening an account only needs to be associated with the customer code, more specifically, the file name of the image is stored in a record constituting the database, and the file is stored in another folder. Alternatively, a file name including a customer code may be attached.

  As shown in FIG. 2, the order database 65 includes a sales representative ID and order data (in this embodiment, as an example) transmitted from the mobile terminal device 20 via the network 1 and received by the order processing means 48 at the time of ordering. , Investment trust brand code, brand name, quantity (number of units) or monetary value), and position information at the time of ordering by GPS positioning (the location of the customer visited by the sales employee, that is, the place where the customer received the order) (Latitude / longitude information shown), order generation time and order lock category (“Yes” or “No”), customer code (customer code and order code if order code is automatically given at the time of order) It is memorized in association with.

  As shown in FIG. 2, the order sign image database 66 is transmitted from the portable terminal device 20 via the network 1 at the time of ordering and received by the order sign image receiving processing means 49 at the time of ordering, The sign image capture time is stored in association with a customer code (a customer code and an order code when an order code is automatically given at the time of ordering). Note that the order sign image only needs to be associated with the customer code (customer code and order code when the order code is automatically given at the time of ordering). More specifically, the file name of the image May be stored in a record constituting the database, and the file may be stored in another folder, or a file name including a customer code and an order code may be attached.

  As shown in FIG. 2, the order driver's license information database 67 is transmitted from the portable terminal device 20 via the network 1 at the time of ordering and received by the order driver's license information receiving processing means 50. The customer's address, name, and date of birth, as well as the driver's license image for ordering used for OCR (certificate image for ordering) and the certificate image capture time for OCR The driver's license information (certificate information for ordering) is stored in association with a customer code (a customer code and an order code when an order code is automatically given at the time of ordering). Note that the order driver's license image (certificate image for ordering) used in OCR is associated with a customer code (customer code and order code when the order code is automatically given at the time of ordering). More specifically, the image file name may be stored in a record constituting the database, and the file may be stored in another folder, or the file name including the customer code and the order code may be stored. You may attach.

  As shown in FIG. 2, the order imprint image database 68 includes an order imprint image transmitted from the mobile terminal device 20 via the network 1 at the time of ordering and received by the order imprint image reception processing means 51 at the time of ordering. And the imprint image capture time are stored in association with a customer code (a customer code and an order code when an order code is automatically given at the time of ordering). The order imprint image need only be associated with the customer code (customer code and order code if the order code is automatically given at the time of ordering). More specifically, the file name of the image May be stored in a record constituting the database, and the file may be stored in another folder, or a file name including a customer code and an order code may be attached.

  In the above, the transaction management server 40 is not limited to one realized by one computer or one CPU, but may be realized by performing distributed processing with a plurality of computers or a plurality of CPUs. .

  Each of the processing means 41 to 58 of the transaction management server 40 includes a central processing unit (CPU) provided inside the computer main body constituting the transaction management server 40 and one or the operation procedure of the CPU. Realized by multiple programs.

  Further, each database 60 to 68 of the transaction management server 40 is preferably realized by, for example, a hard disk or the like. , MO, CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, FD, magnetic tape, or a combination thereof may be employed.

  The sales manager terminal device 70 is composed of a computer equipped with a general-purpose browser, and includes input means such as a mouse and a keyboard, a display device such as a liquid crystal display and a CRT display, and a printing device. . Since this sales manager terminal device 70 is mainly used without moving, it may be a desktop computer or a portable terminal device capable of wireless communication.

  In the present embodiment, the order content fraud detection system 10 automatically detects fraud of the order content of the financial product as follows.

  In FIG. 3, first, the sales manager operates the sales manager terminal device 70 and transmits a display request signal for the sales staff registration screen to the transaction management server 40 via the network 1. In the transaction management server 40, when the salesperson information registration processing means 41 receives the display request signal for the salesperson registration screen from the sales manager terminal device 70, the display data of the salesperson registration screen (Web screen) is displayed. The data is transmitted to the sales manager terminal device 70 via the network 1.

  In the sales manager terminal device 70, when the salesperson registration screen is displayed, the sales manager enters the salesperson ID, password, and salesperson name for the salesperson he / she manages on this screen. The entered salesperson ID, password, and salesperson name are transmitted to the transaction management server 40 via the network 1 (step S1 in FIG. 3). In the transaction management server 40, the salesperson information registration processing means 41 inputs the salesperson ID, password, and salesperson name input by the salesperson in charge transmitted from the sales manager terminal device 70 via the network 1. And store the received password and salesperson name in the salesperson information database 60 (see FIG. 2) in association with the salesperson ID as salesperson information (step S2 in FIG. 3).

  Subsequently, the transaction management server 40 uses the salesperson ID stored in the salesperson information database 60 (see FIG. 2) by the employee ID issuance print data creation processing means 42 to include a QR including the salesperson ID. Print data for issuing an employee ID card printed with a code (QR code is a registered trademark) is created (step S3 in FIG. 3). Then, the print data for issuing the employee ID card on which the created QR code is printed is input to the printing apparatus 80 and used for the issuance printing of the employee ID card 81.

  Thereafter, a salesperson registered in the salesperson information database 60 (see FIG. 2) visits the address of the customer in charge while carrying the mobile terminal device 20 and uses the mobile terminal device 20. , Business activities (for example, explanation of financial products such as investment trusts dealing with trading in-house, opening of customer accounts, acceptance of orders for customers' financial products, etc.) are performed for customers.

  When opening a customer account, the login information transmission processing means 21 uses a QR code (QR code is a registered trademark) including a salesperson ID printed on the employee ID card held by the salesperson. While reading with the camera, the salesperson accepts the input of the salesperson ID and password for login, and the QR code reading result information including the salesperson ID includes the salesperson ID and password entered by the salesperson for login Along with the login input information, it is transmitted to the transaction management server 40 via the network 1 (step S4 in FIG. 3).

  In the transaction management server 40, the salesperson login processing means 43 receives QR code reading result information including the salesperson ID transmitted from the mobile terminal device 20 via the network 1, and the salesperson input for the login. The login input information including the employee ID and password is received, and it is determined whether or not the salesperson ID included in the received QR code reading result information matches the salesperson ID included in the received login input information. If it is confirmed (step S5 in FIG. 3) and both salesperson IDs do not match (step S6 in FIG. 3), the transition to account opening processing or order processing is terminated without allowing login, Are matched (step S6 in FIG. 3), the salesperson information database 60 (FIG. 2) is associated with the matched salesperson ID. Check if the password stored in (2) matches the password contained in the received login information, and if both passwords match, accept the login and open an account. If the passwords of the both do not match, the account opening process or the order process is terminated without allowing login.

  After login, the customer information transmission processing means 22 accepts the customer's address, name, and date of birth by the salesperson in the mobile terminal device 20, and the entered customer's address, name, and date of birth, In addition, the sales representative ID input at the time of login in step S4 in FIG. 3 is transmitted as customer information to the transaction management server 40 via the network 1 together with the customer code (step S7 in FIG. 3). The customer information transmission processing means 22 performs GPS positioning, and the account opening position information (latitude / longitude information indicating the customer's whereabouts) indicating the current position of the mobile terminal device 20 by GPS positioning is also used as the customer information. You may transmit to the transaction management server 40 via the network 1 with a customer code.

  In the transaction management server 40, the customer's address, name, date of birth, and sales representative ID, which are transmitted from the mobile terminal device 20 via the network 1 by the account opening processing unit 44, are used as customer information. The customer information received together with the code is stored in the customer information database 61 (see FIG. 2) in association with the customer code (step S8 in FIG. 3). In addition, when the account opening position information by GPS positioning (latitude / longitude information indicating the customer's whereabouts) is also transmitted as customer information from the mobile terminal device 20 via the network 1, this GPS positioning is used. The position information at the time of opening the account is also received and stored in the customer information database 61 in association with the customer code (see the parenthesized portion in FIG. 2).

  Subsequently, in the mobile terminal device 20, the account opening sign image transmission processing means 23 sends the account opening sign image input to the tablet by the pen or the like together with the customer code via the network 1 to the transaction management server 40. (Step S9 in FIG. 3). In the transaction management server 40, the account opening sign image reception processing means 45 receives the account opening sign image transmitted from the mobile terminal device 20 via the network 1 together with the customer code, and receives the received account opening sign image. Is stored in the account opening sign image database 62 (see FIG. 2) in association with the customer code (step S10 in FIG. 3).

  Then, the mobile terminal device 20 uses the account opening driver's license image transmission processing means 24 to photograph the driver's license presented by the customer with a camera, and the photographed driver's license image (certificate image) for opening the account is taken. And the customer code are transmitted to the transaction management server 40 via the network 1 (step S11 in FIG. 3). In the transaction management server 40, an account opening driver's license image (certificate image) transmitted from the mobile terminal device 20 via the network 1 by the account opening driver's license image reception processing means 46 is converted into a customer code. The account opening driver's license image (certificate image) received together with the customer code is stored in the account opening driver's license image database 63 (see FIG. 2) (step S12 in FIG. 3). .

  Further, in the portable terminal device 20, the account opening seal image transmission processing means 25 shoots the seal imprinted with the customer's seal with the camera, and the captured account opening seal image together with the customer code via the network 1. To the transaction management server 40 (step S13 in FIG. 3). At this time, a square frame indicating the stamped part is drawn on the stamping paper brought by the sales staff, so the customer can stamp his / her own seal in the frame or the sales staff After imprinting the seal of the customer handed over from the customer, an imprint image including a square frame is taken. In the transaction management server 40, the account opening seal image reception processing means 47 receives the account opening seal image transmitted from the mobile terminal device 20 via the network 1 together with the customer code, and receives the received account opening seal image. After the trapezoidal correction, the image is stored in the account opening seal image database 64 (see FIG. 2) in association with the customer code (step S14 in FIG. 3). The keystone correction may be performed by the account opening seal image transmission processing means 25 of the mobile terminal device 20.

  When a salesperson revisits a customer who has opened an account and accepts an order for the customer's financial product (for example, an investment trust), the salesperson operates in the same manner as in steps S4 to S6 in FIG. A member login process is performed (steps S15 to S17 in FIG. 3). In the case of accepting an order for a financial product following the opening of an account, the salesperson login process in steps S15 to S17 in FIG. 3 can be omitted.

  Next, in the portable terminal device 20, the order data transmission processing means 26 uses the order data of the customer's financial product by the salesperson (in this embodiment, as an example, the stock code, brand name, quantity (unit) of the investment trust or The position information at the time of order indicating the current position of the portable terminal device 20 by GPS positioning (the location of the customer visited by the salesperson, that is, the latitude indicating the place where the order is received from the customer) (Longitude information), and the sales representative ID input at the time of login in step S15 or step S4 in FIG. 3, the order data input by the sales representative, and the position information at the time of ordering by GPS positioning are Along with the code, it is transmitted to the transaction management server 40 via the network 1 (step S18 in FIG. 3).

  In the transaction management server 40, the order processing means 48 sends the sales representative ID and financial product order data transmitted from the mobile terminal device 20 via the network 1 (in this embodiment, as an example, the investment trust brand code). , Brand name, quantity (number of units) or amount), and position information at the time of ordering by GPS positioning (information of latitude / longitude indicating the location of the customer visited by the salesperson, that is, the place where the customer received the order) ) Together with the customer code, and the received sales representative ID, order data, and order position information are stored in the order database 65 (see FIG. 2) in association with the customer code (step S19 in FIG. 3). Further, the order processing means 48 stores the order data reception time in the order database 65 in association with the customer code as the order occurrence time (step S19 in FIG. 3).

  If the customer's order cannot be specified only by the customer code, for example, if the same customer handles a financial product that can be ordered multiple times for the same brand on the same day, the order processing means 48 The order code is automatically assigned to the order, and the received sales representative ID, order data, and order position information are stored in the order database 65 (see FIG. 2) in association with the customer code and the order code. The automatically assigned order code is transmitted to the mobile terminal device 20 via the network 1.

  Subsequently, in the mobile terminal device 20, the order sign image transmission processing means 27 uses the customer code (when the order code is automatically given at the time of order) , Customer code and order code) are transmitted to the transaction management server 40 via the network 1 (step S20 in FIG. 3). In the transaction management server 40, the order sign image reception processing means 49 converts the order sign image transmitted from the mobile terminal device 20 via the network 1 into the customer code (when the order code is automatically given at the time of ordering). , Customer code and order code), and the received order sign image is associated with the customer code (or customer code and order code if the order code is automatically given at the time of order). The image is stored in the image database 66 (see FIG. 2) (step S21 in FIG. 3). Further, the order sign image reception processing means 49 uses the order sign image reception time as the sign image capture time as a customer code (a customer code and an order code when an order code is automatically given at the time of order). And stored in the order sign image database 66 (see FIG. 2) (step S21 in FIG. 3).

  Then, the ordering driver's license information transmission processing means 28 in the mobile terminal device 20 photographs the driver's license presented by the customer with the camera, and the photographed ordering driver's license image (certificate image for ordering). Is used to read the characters indicating the description of the driver's license with the OCR function, and the customer's address, name, and date of birth, which are the OCR reading result information, and the driver's license image for ordering used in the OCR (Certificate image for order) as driver's license information for order (certificate information for order) with customer code (customer code and order code if order code is automatically given at the time of order) And transmitted to the transaction management server 40 via the network 1 (step S22 in FIG. 3).

  In the transaction management server 40, the customer's address, name, and date of birth, which are OCR read result information transmitted from the portable terminal device 20 via the network 1 by the order driver's license information reception processing means 50, and The customer's code (order code is automatically given at the time of order) using the order driver's license image (certificate image for order) used for OCR as the order driver's license information (certificate information for order). Customer code and order code), the received driver's license information (certificate information for order) is received, and customer code (when order code is automatically given at the time of order) (Customer code and order code) are stored in the order driver's license information database 67 (step S23 in FIG. 3). Also, the ordering driver's license information reception processing means 50 uses the customer code (at the time of ordering) as the time of receiving the ordering driver's license information (ordering certificate information) as the certificate image capturing time for OCR. When the order code is automatically given, it is stored in the order driver's license information database 67 in association with the customer code and the order code (step S23 in FIG. 3).

  Further, in the portable terminal device 20, the order imprint image transmission processing means 29 shoots the imprint imprinted with the customer's seal at the time of order with the camera, and the photographed imprint image for the order is taken as the customer code (the order code at the time of ordering). In the case of being automatically given, it is transmitted together with the customer code and the order code) to the transaction management server 40 via the network 1 (step S24 in FIG. 3). At this time, an imprint image including a square frame is taken as in the case of opening the account in step S13 of FIG. In the transaction management server 40, the order imprint image reception processing means 51 converts the order imprint image transmitted from the mobile terminal device 20 via the network 1 into a customer code (when an order code is automatically given at the time of ordering). Customer code and order code), and after the key image of the received order imprint image, the customer code (customer code and order code if the order code is automatically given at the time of order) and The data are stored in the order imprint image database 68 (see FIG. 2) in association with each other (step S25 in FIG. 3). The trapezoid correction may be performed by the order imprint image transmission processing means 29 of the mobile terminal device 20. Further, the order imprint image reception processing means 51 uses the order imprint image reception time as the imprint image capture time, and a customer code (customer code and order code when an order code is automatically given at the time of order). And stored in the order imprint image database 68 (see FIG. 2) (step S25 in FIG. 3).

  Thereafter, in FIG. 4, the transaction management server 40 uses the customer code associated with the order data stored in the order database 65 (see FIG. 2) by the person-in-charge check processing means 52 at the time of ordering. 61 (see FIG. 2), the sales representative ID is acquired, and the acquired sales representative ID and the sales as login input information received by the salesperson login processing means 43 in step S16 or step S5 of FIG. The employee ID (it is premised on the fact that it matches the salesperson ID as the QR code reading result information received by the salesperson login processing means 43) and determines whether or not they match. (Step S26 in FIG. 4) If they do not match (Step S27 in FIG. 4), they are stored in the order database 65. To temporarily stop the order processing of the order data, a state of lock "Yes" to apply locking section of the order data of the order database 65 (step S28 in FIG. 4).

  On the other hand, if the salesperson IDs match in step S27 of FIG. 4 described above, the order data (book) stored in the order database 65 (see FIG. 2) at the time of ordering by the driver's license check processing means 53 is displayed. In the embodiment, as an example, the customer information database 61 (see FIG. 2) is used to store customer information using the customer code associated with the investment trust brand code, brand name, quantity (number of units), or amount). Get your address, name, and date of birth and use your customer code associated with your order data (or your order code if your order code is automatically given at the time of order) to order your driver's license From the information database 67 (see FIG. 2), the customer's address, name, and the OCR reading result information of the order driver's license information (order certificate information), and The date is acquired, and it is determined whether or not these addresses, names, and dates of birth match (step S29 in FIG. 4), and either the address, name, or date of birth is one. If not (step S30 in FIG. 4), the order lock section of the order data in the order database 65 is locked to temporarily stop the order processing of the order data stored in the order database 65. The state is “present” (step S31 in FIG. 4).

  On the other hand, if all of the address, name, and date of birth are the same in step S30 in FIG. 4 described above, the position information check processing means 54 stores the order in the order database 65 (see FIG. 2). Using the customer code associated with the stored order data, the address of the customer information is acquired from the customer information database 61 (see FIG. 2), the acquired address (registered address), and the aforementioned FIG. Order position information indicating the current position of the mobile terminal device 20 by GPS positioning stored in the order database 65 by the order processing means 48 in step S19 (the location of the customer visited by the salesperson, that is, the location where the order was received from the customer (Latitude / longitude information) indicating whether or not these correspondences are correct (step S32 in FIG. 4), and these are not supported. In the case (step S33 in FIG. 4), in order to temporarily stop the order processing of the order data stored in the order database 65, the order lock classification of the order data in the order database 65 is locked “present”. The state is set (step S34 in FIG. 4). At this time, the position information check processing means 54 may convert the position information (latitude / longitude) at the time of order into an address (Roppongi, Minato-ku, Tokyo, etc.) and then compare it with the registered address. You may compare with the position information at the time of order after converting into longitude.

  On the other hand, if the correspondence between the registered address and the position information at the time of ordering by GPS positioning is correct in step S33 of FIG. 4 described above, the time check processing means 55 stores it in the order database 65 (see FIG. 2) at the time of ordering. The order generation time for the ordered data and the same customer code as the customer code associated with the order data (if the order code is automatically given at the time of ordering, the same order code associated with the order data) The driver's license image capture time (certificate image capture time) stored in the order driver's license information database 67 (see FIG. 2) and the order imprint image database 68 (see FIG. 2). ) And the signature image stored in the order signature image database 66 (see FIG. 2). Compared with the capture time, it is determined whether or not the difference between these times is within a predetermined time (for example, within one minute) (step S35 in FIG. 4), and exceeds the predetermined time. If there is an order (step S36 in FIG. 4), the order lock section of the order data in the order database 65 is locked “present” in order to temporarily stop the order processing of the order data stored in the order database 65. (Step S37 in FIG. 4).

  On the other hand, if the time divergence is within a predetermined time in step S36 in FIG. 4 described above, the time check processing means 55 causes the order lock of the order data in the order database 65 (see FIG. 2). The section is set to a state of “no lock” (step S38 in FIG. 4).

  Thereafter, in the transaction management server 40, the lock occurrence notification processing means 56 monitors whether or not the order lock classification of each record constituting the order database 65 (see FIG. 2) is in a lock “present” state. When order data with the lock status “locked” is generated, a notification that the lock is “locked” is sent to the customer code (if an order code is automatically given at the time of order) The customer code and the order code) are automatically transmitted to the sales manager terminal device 70 via the network 1 by, for example, electronic mail (step S39 in FIG. 4).

  The sales manager terminal device 70 receives the lock occurrence notification from the transaction management server 40, and when the sales manager displays and confirms this notification on the screen (step S40 in FIG. 4), whether the lock is released or not. In order to determine whether or not, a comparison browsing request signal is transmitted from the browser to the transaction management server 40 via the network 1 (step S41 in FIG. 4).

  In the transaction management server 40, the customer code for the order data in the lock “present” state sent from the sales manager terminal device 70 through the network 1 together with the comparative browsing request signal by the comparative browsing processing means 57. (When an order code is automatically given at the time of order, the order code) is received (step S42 in FIG. 4), and the received customer code (the order code when the order code is automatically given at the time of order) is received. In addition, for the order data in the locked “present” state, an imprint image for opening an account is acquired from the account opening imprint image database 64 (see FIG. 2) and an order imprint image database 68 (see FIG. 2). ) To obtain an order seal image, and from the account opening sign image database 62 (see FIG. 2), the account opening sign image. In addition to obtaining an order sign image from the order sign image database 66 (see FIG. 2), in addition, an account opening driver license from the account opening driver license image database 63 (see FIG. 2). An image (certificate image) is acquired, and an order driver's license image (certificate image) is acquired from the order driver's license information database 67 (see FIG. 2). The display data of the comparison browsing screen (Web screen) for comparing and displaying the imprint images, the signature images, and the driver's license images (certificate images) for both are created, and the created comparative browsing screen (Web screen) ) Display data is transmitted to the sales manager terminal device 70 via the network 1 (step S43 in FIG. 4).

  When receiving the display data of the comparison browsing screen (Web screen) from the transaction management server 40, the sales manager terminal device 70 receives the seal image, the sign images, and the operation for both the account opening and the order. A comparative browsing screen in which license images (certificate images) are displayed in comparison with each other is displayed on the screen of the sales manager terminal device 70 (step S44 in FIG. 4).

  The sales manager looks at this comparison browsing screen, confirms the degree of matching between the seal impression images, the signature images, and the driver's license images (certificate images), and unlocks the order. Determine whether or not. If it is determined that the lock is to be released, a button provided on the comparison browsing screen (Web screen) is pressed and a lock release command signal is transmitted to the transaction management server 40 via the network 1 (FIG. 4). Step S45).

  In the transaction management server 40, a lock release command signal transmitted from the sales manager terminal device 70 via the network 1 by the lock release processing means 58 is sent to the customer code (when an order code is automatically given at the time of ordering). The order lock category of the order data received with the order code and stored in the order database 65 (see FIG. 2) in association with the received customer code or order code is set to the lock “no” state ( Step S46 in FIG.

  According to this embodiment, there are the following effects. That is, since the order content fraud detection system 10 includes the driver's license check processing means 53, the impersonation order to the customer by the sales staff is automatically detected using the OCR reading result information of the driver's license. Can do. For this reason, an order that has been determined to be spoofed can be automatically locked to prevent unauthorized order execution.

  Further, since the order content fraud detection system 10 includes the time check processing means 55, the order generation time, the driving license image capturing time for OCR (certificate image capturing time), and the imprint image capturing time, When the difference between the four times of the sign image capture time is usually too large compared to the work time and the device operation time required to receive an order from the customer, it may be determined that there is a possibility of impersonation. it can. Such a time check process can be effective even when, for example, the difference between the two times of the order generation time and the certificate image capture time for OCR is used. Since the difference between two times is used, the number of check materials increases, so that the safety in judgment can be further enhanced.

  Furthermore, since the order content fraud detection system 10 includes the lock occurrence notification processing unit 56, when an order lock occurs, the lock occurrence notification can be automatically transmitted to the sales manager terminal device 70. For this reason, it is possible to determine at an early stage whether or not the person in charge of sales management releases the lock, and it is possible to quickly deal with when the order is locked.

  Since the position information check processing means 54 is provided, it is possible to compare the position information (latitude / longitude) at the time of order by GPS positioning with the registered address stored in the customer information database 61 (see FIG. 2). it can. For this reason, since the current position information of the mobile terminal device 20 acquired by the GPS function of the mobile terminal device 20 can be used to detect an impersonation order to a customer by a salesperson, this also impersonates An order that is determined to be possible can be automatically locked to prevent an illegal order from being executed.

  Further, the order content fraud detection system 10 includes the employee card issuing print data creation processing means 42, the login information transmission processing means 21, and the salesperson login processing means 43. Read the QR code (QR code is a registered trademark) printed on the employee ID card held by the employee and enter the QR code reading result information including the employee ID for login Together with the input information for the login including the salesperson ID that is sent to the transaction management server 40 via the network 1, and the transaction management server 40 uses the salesperson ID as the QR code reading result information and the sales information as the login input information. If the IDs are compared, and if they do not match, the login process ends the transition to the account opening process or order process. It can be carried out. Therefore, since it takes time and labor to create a QR code including a salesperson ID, it is difficult to perform unauthorized login by another salesperson ID, or the effect of preventing unauthorized login can be obtained. It is possible to perform a more strict login process than a normal login process by inputting a member ID and a password.

  Furthermore, since the order content fraud detection system 10 includes the person-in-charge check processing means 52, the person-in-charge salesperson ID stored in the customer information database 61 (see FIG. 2) and the salesperson ID input at the time of login are stored. If they do not match, you can check the spoofing of other salespersons by the salesperson by locking the order.

  In addition, since the order content fraud detection system 10 includes the comparison browsing processing means 57 and the lock release processing means 58, after the lock occurrence notification, the contrast display of the imprint image for both the account opening and the order and the sign A comparative browsing screen (Web screen) including a contrast display of images and a contrast display of a driver's license image (certificate image) can be displayed on the screen of the sales manager terminal device 70. The lock release command signal from the sales manager in charge of viewing and confirming the comparison display can be received, and the order can be unlocked. The comparison browsing screen (Web screen) displays three types of images, a seal imprint image, a signature image, and a driver's license image (certificate image). Since there are many judgment materials, the safety in judgment can be further enhanced.

  Furthermore, for example, in the banking industry, a seal culture that uses a seal instead of a signature remains strong, but by taking a stamp image at the time of opening an account and placing an order, it is possible to perform seal verification as described above. It is possible to carry out confirmation processing in a format that follows the customs from.

  Then, the account opening imprint image reception processing means 47 and the order imprint image reception processing means 51 of the transaction management server 40 (or the account opening imprint image transmission processing means 25 and the order imprint image transmission processing means of the portable terminal device 20 are provided. 29)), the trapezoidal correction is performed, so that the imprint image can be displayed in a state closer to the real imprint, so that a more reliable determination can be made.

  In addition, the capture of three types of images, that is, a seal image, a signature image, and a driver's license image (certificate image), is used by the time check processing unit 55 in the process of determining the degree of difference in capture time, and comparative browsing Since it is also used in the comparison display process (Web screen) comparison display process for determining unlocking by the processing means 57, it is possible to realize an excellent system in which each process is efficiently linked.

  Note that the present invention is not limited to the above-described embodiment, and modifications and the like within a scope where the object of the present invention can be achieved are included in the present invention.

  For example, in the above-described embodiment, a driver's license is exemplified as a certificate used for OCR. However, for example, other identification cards such as a passport may be used. In short, a standard form suitable for OCR is provided. It only has to be an ID card.

  Further, the position information check processing means 54 of the above embodiment includes position information (latitude / longitude) at the time of ordering by GPS positioning stored in the order database 65 (see FIG. 2) and a customer information database 61 (see FIG. 2). Is configured to determine whether the correspondence with the registered address (Roppongi, Minato-ku, Tokyo, etc.) is correct, but it is also registered by performing GPS positioning when opening an account as follows: In addition, the position information obtained by GPS positioning may be compared with each other.

  That is, the customer information transmission processing means 22 of the above embodiment did not perform GPS positioning, but the customer information transmission processing means performs GPS positioning at the time of opening an account, and as customer information, position information at the time of account opening by this GPS positioning. (Latitude / longitude) is also transmitted to the transaction management server 40 via the network 1 together with the customer code. Further, the account opening processing means 44 of the above embodiment did not receive the account opening position information (latitude / longitude) by GPS positioning, but the account opening processing means did not receive the account opening position information (latitude) by this GPS positioning. (Longitude) is also received and stored in the customer information database 61 (see FIG. 2). Therefore, the customer information database 61 associates the customer's address, name, date of birth, sales representative ID, and location information (latitude / longitude) at the time of account opening by GPS positioning as customer information. (See the parenthesized portion in FIG. 2).

  Then, the location information check processing means uses the customer code associated with the order data stored in the order database 65 (refer to FIG. 2) at the time of ordering, from the customer information database 61 to the account by GPS positioning of the customer information. Acquire position information (latitude / longitude) at opening (see parentheses in FIG. 2), position information (latitude / longitude) at the time of account opening by the acquired GPS positioning, and ordering by GPS positioning stored in the order database 65 The position information (latitude / longitude) is compared to determine whether or not they match. If they do not match, the order processing of the order data stored in the order database 65 is temporarily performed. Therefore, the order lock section of the order data in the order database 65 may be set to the lock “present” state.

  Even in such a configuration, as in the case of the above-described embodiment, the current position information of the mobile terminal device 20 acquired by the GPS function of the mobile terminal device 20 is used, and an impersonation order from the salesperson to the customer is made. Since it can be automatically detected, an order that has been determined to be spoofed can be automatically locked to prevent an illegal order from being executed.

  As described above, the order content fraud detection system and method, and program according to the present invention, for example, when a salesperson goes to the customer's address and accepts orders for financial products such as investment trusts, insurance, and corporate bonds by the customer. Suitable for use in etc.

DESCRIPTION OF SYMBOLS 1 Network, network which is a communication line 10 Order content fraud detection system 20 Portable terminal device 21 Login information transmission processing means 22 Customer information transmission processing means 23 Account opening sign image transmission processing means 24 Account opening certificate image transmission processing means Account opening driving license image transmission processing means 25 Account opening seal image transmission processing means 26 Order data transmission processing means 27 Order sign image transmission processing means 28 Ordering certificate information transmission processing means Order driving license Certificate information transmission processing means 29 Order imprint image transmission processing means 40 Transaction management server 42 Employee ID issue print data creation processing means 43 Sales employee login processing means 45 Account opening sign image reception processing means 46 Account opening certificate image reception Driver's license image reception processing means for account opening as processing means 4 7: Account opening seal image reception processing means 48: Order processing means 49: Order sign image reception processing means 50: Order driving license information reception processing means which is order certificate information reception processing means 51: Order seal image reception processing means 52 Person in charge check processing means 53 Driver's license check processing means which is certificate check processing means 54 Position information check processing means 55 Time check processing means 56 Lock occurrence notification processing means 57 Comparison browsing processing means 58 Lock release processing means 60 Salesperson information Database 61 Customer information database 62 Account opening sign image database 63 Account opening certificate image database which is an account opening certificate image database 64 Account opening imprint image database 65 Order database 66 Order sign image database 67 Notes Imprint image database for the driver's license information database 68 for the order order use a certificate information database 70 sales management personnel terminal

Claims (12)

An order content fraud detection system configured by a computer that detects fraud in the order content of a financial product,
A mobile terminal device with a camera carried by a salesperson, and a transaction management server that is connected to the mobile terminal device via a network and executes processing related to a customer's order transaction handled by the salesperson,
The portable terminal device
Order data transmission processing means for executing processing for transmitting the order data of the customer's financial product together with the customer code to the transaction management server via the network at the time of order;
Characters indicating the description of the driver's license or other identification card using an order certificate image obtained by photographing the driver's license or other identification card presented by the customer at the time of ordering with the OCR function The transaction information via the network is read together with the customer code or the order code given at the time of ordering, together with the customer code or the order certificate information including the date of birth. Including order certificate information transmission processing means for executing processing to be transmitted to the management server,
The transaction management server
A customer information database that stores customer information including the address, name, and date of birth of the customer transmitted from the mobile terminal device via the network when the account is opened;
Order processing means for executing processing for receiving the order data transmitted from the mobile terminal device via the network at the time of order together with the customer code;
An order database for storing the order data received by the order processing means in association with the customer code or in addition to the order code;
Order certificate information reception processing for executing processing for receiving the order certificate information transmitted from the mobile terminal device via the network at the time of order together with the customer code or the order code in addition to the customer code. Means,
An order certificate information database for storing the order certificate information received by the order certificate information reception processing means in association with the customer code or in addition to the order code;
The customer code associated with the order data stored in the order database at the time of order is used to obtain an address, name, and date of birth of the customer information from the customer information database, and the order Using the customer code or the order code associated with data, the address, name, and date of birth of the order certificate information are obtained from the order certificate information database, and these addresses In order to temporarily stop the order processing of the order data stored in the order database if the name and date of birth are compared to determine whether or not they match. And a certificate check processing means for executing processing for setting the order lock classification of the order database to a locked state. Order contents fraud detection system, characterized in that there. The order processing means of the transaction management server includes:
When the order data received via the network from the portable terminal device at the time of order is stored in the order database in association with the customer code or in addition to the customer code, the order occurrence time is also the customer code or In addition to this, it is configured to be stored in association with the order code,
The order certificate information reception processing means of the transaction management server includes:
When the order certificate information received from the portable terminal device via the network at the time of ordering is stored in the order certificate information database in association with the customer code or in addition to the order code, The certificate image capture time for OCR is also stored in association with the customer code or the order code in addition to the customer code,
The transaction management server
The order occurrence time stored in the order database associated with the same customer code or the same order code at the time of ordering and the certificate image capturing time stored in the order certificate information database In comparison, it is determined whether or not these time divergences are within a predetermined time, and if the time exceeds the predetermined time, the order processing of the order data stored in the order database is performed. The order content according to claim 1, further comprising time check processing means for executing a process of setting the order lock classification of the order database to a locked state in order to temporarily cancel the order. Fraud detection system. A sales manager terminal device operated by a sales manager who manages the sales staff connected to the transaction management server via a communication line;
The portable terminal device
Account opening imprint image transmission for executing processing to transmit an account opening imprint image obtained by photographing the imprint imprinted by the customer at the time of account opening to the transaction management server via the network together with the customer code Processing means;
Executes a process of sending an order imprint image obtained by photographing the imprint imprinted by the customer at the time of an order to the transaction management server via the network together with the customer code or the order code in addition to the customer code. Including an order imprint image transmission processing means,
The transaction management server
An account opening imprint image reception processing means for executing a process of receiving the imprint image for opening an account transmitted from the portable terminal device via the network when the account is opened together with the customer code;
An account opening imprint image database for storing the account opening image received at the time of opening an account by the account opening imprint image receiving processing means in association with the customer code;
Order imprint image reception processing means for executing processing for receiving the order imprint image transmitted from the mobile terminal device via the network at the time of order together with the customer code or the order code in addition to the customer code; ,
An order imprint image database for storing the order imprint image received at the time of order by the order imprint image reception processing means in association with the customer code or in addition to the order code;
When the order data in which the order lock section of the order database is in a locked state occurs, a notification that the locked state has been entered is sent to the communication line along with the customer code or the order code. Lock occurrence notification processing means for executing processing to be transmitted to the sales management person in charge terminal device,
Using the customer code or the order code for the order data in a locked state transmitted from the sales manager terminal device together with the comparative browsing request signal via the communication line, for opening the account Acquiring the imprint image for opening an account from an imprint image database, acquiring the imprint image for ordering from the imprint image database for order, and comparing the imprint images for both the account opening and ordering Comparative browsing processing means for executing processing for transmitting display data of a screen to be displayed to the sales manager terminal device via the communication line;
A lock release command signal transmitted from the sales manager terminal device via the communication line is received together with the customer code or the order code, and the order database is associated with the received customer code or the order code. The order content according to claim 2, further comprising: a lock release processing means for executing a process of setting the order lock classification of the order data stored in the lock to an unlocked state. Fraud detection system. The mobile terminal device is a tablet-type mobile terminal device,
Account opening sign image transmission processing means for executing processing for transmitting the account opening sign image input by the customer at the time of account opening together with the customer code to the transaction management server via the network;
Order sign image transmission processing means for executing processing for transmitting an order sign image input by the customer at the time of order together with the customer code or in addition to the order code to the transaction management server via the network And comprising
The transaction management server
An account opening sign image reception processing means for executing a process of receiving the sign image for opening an account, which is transmitted from the portable terminal device via the network when the account is opened, together with the customer code;
An account opening sign image database for storing the account opening sign image received at the time of opening an account by the account opening sign image receiving processing means in association with the customer code;
Order sign image reception processing means for executing processing for receiving the order sign image transmitted from the portable terminal device via the network at the time of order together with the customer code or the order code in addition to the customer code; ,
An order sign image database that stores the order sign image received at the time of order by the order sign image reception processing means in association with the customer code or in addition to the order code;
The comparison browsing processing means of the transaction management server is:
Using the customer code or the order code for the order data in a locked state transmitted from the sales manager terminal device together with the comparative browsing request signal via the communication line, for opening the account Obtaining the imprint image for opening an account from an imprint image database, obtaining the imprint image for order from the imprint image database for order, and further, obtaining the sign image for opening an account from the sign image database for opening an account For obtaining a sign image for ordering from the order sign image database, and for displaying a screen for comparing and displaying the imprint image and the sign image for both the account opening and ordering, respectively. Data is transmitted to the sales manager terminal device via the communication line. Order content fraud detection system according to claim 3, characterized in that it is configured to perform the management. The order imprint image reception processing means of the transaction management server includes:
When the order imprint image transmitted from the mobile terminal device via the network at the time of ordering is stored in the order imprint image database in association with the customer code or in addition to the order code, The imprint image capturing time is also stored in association with the customer code or the order code in addition to the customer code,
The order sign image reception processing means of the transaction management server includes:
When the order sign image transmitted from the mobile terminal device via the network at the time of order is stored in the order sign image database in association with the customer code or in addition to the order code, The sign image capture time is also stored in association with the customer code or the order code in addition to the customer code,
Time check processing means of the transaction management server,
The order occurrence time stored in the order database in association with the same customer code or the same order code at the time of ordering, the certificate image capturing time stored in the order certificate information database, and the order The imprint image capture time stored in the imprint image database is compared with the sign image capture time stored in the order sign image database, and whether or not the difference between these times is within a predetermined time. If the predetermined time is exceeded, the order lock section of the order database is locked to temporarily stop the order processing of the order data stored in the order database. The order content fraud detection system according to claim 4, wherein the process is configured to execute the process of setting the status to System. The mobile terminal device is a mobile terminal device with a GPS function,
The order data transmission processing means of the mobile terminal device is
Along with the order data, it is configured to execute processing for transmitting order position information measured by GPS to the transaction management server via the network,
The order processing means of the transaction management server includes:
The order data and the order position information transmitted from the portable terminal device via the network are received together with the customer code, and the received order data and the order position information are received by the customer code or In addition to the order code, the processing is stored in the order database in association with the order code,
The transaction management server
Using the customer code associated with the order data stored in the order database at the time of ordering, the address of the customer information is obtained from the customer information database, and the obtained address and the order database are stored. Compare with the order position information and determine whether or not these correspondences are correct. If they do not correspond, the order processing of the order data stored in the order database is temporarily performed. 6. The apparatus according to claim 1, further comprising position information check processing means for executing processing for setting the order lock section of the order database in a locked state in order to cancel. Order content fraud detection system. The mobile terminal device is a mobile terminal device with a GPS function,
The customer information is configured to include customer information transmission processing means for executing processing for transmitting the account opening position information measured by GPS at the time of account opening together with the customer code to the transaction management server via the network. ,
The order data transmission processing means of the mobile terminal device is
Along with the order data, it is configured to execute a process of transmitting order position information measured by GPS at the time of order to the transaction management server via the network,
The customer information database of the transaction management server is
As the customer information, in addition to the customer's address, name, and date of birth, the account opening location information is also stored in association with the customer code,
The order processing means of the transaction management server includes:
The order data and the order position information transmitted from the mobile terminal device via the network at the time of ordering are received together with the customer code, and the received order data and the order position information are received by the customer code. Or in addition to this, it is configured to execute a process of storing in the order database in association with the order code,
The transaction management server
Using the customer code associated with the order data stored in the order database at the time of ordering, acquiring the account opening position information of the customer information from the customer information database, and acquiring the acquired account The time position information and the order position information stored in the order database are compared to determine whether or not they match, and if they do not match, the order data stored in the order database The position information check processing means for executing a process of setting the order lock section of the order database to a locked state in order to temporarily stop the order processing of the order data. The order content fraud detection system according to any one of 1 to 5. The portable terminal device
Processing for transmitting an account opening certificate image obtained by photographing the driver's license or other identification certificate presented by the customer at the time of opening an account to the transaction management server via the network together with the customer code Including an account opening certificate image transmission processing means for executing
The order certificate information transmission processing means of the portable terminal device,
As the certificate information for ordering, the certificate image for ordering is also configured to execute processing for transmitting to the transaction management server via the network together with the customer code or in addition to the order code. ,
The transaction management server
Account opening certificate image reception processing means for executing processing for receiving the certificate image for opening an account transmitted from the portable terminal device via the network when opening an account together with the customer code;
The account opening certificate image received by the account opening certificate image receiving means includes the account opening certificate image database that stores the certificate image in association with the customer code,
The order certificate information reception processing means of the transaction management server includes:
As the certificate information for order transmitted from the mobile terminal device via the network at the time of ordering, in addition to the address, name and date of birth read by the OCR function, the photographed certificate for ordering An image is also received with the customer code or in addition to the order code, and the certificate image for the received order is also associated with the order code with the customer code or the order certificate information database Is configured to execute the process stored in
The comparison browsing processing means of the transaction management server is:
Using the customer code or the order code for the order data in a locked state transmitted from the sales manager terminal device together with the comparative browsing request signal via the communication line, for opening the account Obtaining the imprint image for opening an account from an imprint image database, obtaining the imprint image for order from the imprint image database for order, and further, obtaining the sign image for opening an account from the sign image database for opening an account And acquiring the sign image for ordering from the order sign image database, and additionally acquiring the certificate image for opening an account from the account opening certificate image database, and Obtain the certificate image for order from the certificate information database and open these accounts Processing for transmitting display data of a screen for comparing and displaying the imprint image, the signature image, and the certificate image for both the order and the order to the sales manager terminal device via the communication line. The order content fraud detection system according to claim 4 or 5, wherein the system is configured to be executed. The portable terminal device
When opening an account or placing an order, read the QR code (QR code is a registered trademark) printed on the employee ID card held by the sales staff and read the QR code reading result information including the sales staff ID. And login information transmission processing means for executing a process of transmitting to the transaction management server via the network together with login input information including a salesperson ID input by the salesperson for login,
The transaction management server
An employee ID issuance print data creation processing means for executing processing for creating print data for issuance of an employee ID printed with the QR code including a sales staff ID;
Compare the salesperson ID as the QR code reading result information transmitted from the mobile terminal device via the network at the time of opening an account or when ordering, and the salesperson ID as the login input information. And sales representative login processing means for executing processing for ending the transition to account opening processing or order processing if they do not match. The order content fraud detection system according to any one of claims 1 to 8. The customer information database of the transaction management server is
As the customer information, a sales representative ID for a sales representative in charge of the customer is also stored in association with the customer code,
The transaction management server
Using the customer code associated with the order data stored in the order database at the time of order, the responsible salesperson ID is acquired from the customer information database, and the acquired salesperson ID and the salesperson login are acquired. The sales staff ID received as the login input information received by the processing means is compared to determine whether or not they match, and if they do not match, they are stored in the order database. In order to temporarily stop the order processing of the order data, it is configured to include a person-in-charge check processing means for executing processing for setting the order lock classification of the order database to the locked state. The order content fraud detection system according to claim 9. An order content fraud detection method executed by an order content fraud detection system configured by a computer for detecting fraud in the order content of a financial product,
A mobile terminal device with a camera carried by a salesperson, and a transaction management server that is connected to the mobile terminal device via a network and executes processing related to a customer's order transaction handled by the salesperson,
In the customer information database of the transaction management server, customer information including the customer's address, name, and date of birth transmitted from the mobile terminal device via the network at the time of opening an account is associated with the customer code. Remember,
Order data transmission processing means of the mobile terminal device,
Executing the process of sending order data of the customer's financial product together with the customer code to the transaction management server via the network when placing an order;
Order processing means of the transaction management server,
The order data transmitted from the mobile terminal device via the network at the time of ordering is received together with the customer code, and the received order data is associated with the customer code or an order code automatically added thereto. To execute processing to be stored in the order database of the transaction management server,
The order certificate information transmission processing means of the portable terminal device,
Characters indicating the description of the driver's license or other identification card using an order certificate image obtained by photographing the driver's license or other identification card presented by the customer at the time of ordering with the OCR function And the certificate information for the order including the customer's address, name, and date of birth read out together with the customer code or in addition to the order code to the transaction management server via the network. Execute the process to
Order certificate information reception processing means of the transaction management server,
The certificate information for order transmitted from the portable terminal device via the network at the time of order is received together with the customer code or the order code in addition to the customer code, and the received certificate information for order is received. , Executing a process of storing in the order certificate information database of the transaction management server in association with the customer code or the order code in addition to the customer code,
Certificate check processing means of the transaction management server,
The customer code associated with the order data stored in the order database at the time of order is used to obtain an address, name, and date of birth of the customer information from the customer information database, and the order Using the customer code or the order code associated with data, the address, name, and date of birth of the order certificate information are obtained from the order certificate information database, and these addresses In order to temporarily stop the order processing of the order data stored in the order database if the name and date of birth are compared to determine whether or not they match. And executing a process of setting the order lock classification of the order database to a locked state.   The program for functioning a computer as an order content fraud detection system in any one of Claims 1-10.

Images