JP2019204207A - Information processing system, information processing method and program - Google Patents

Abstract

To further reduce the burden of foreign remittance paperwork and to improve accuracy of checking input contents.SOLUTION: An information processing system includes: first registration means for registering confirmation information about foreign remittance; reception means for receiving foreign remittance information about the foreign remittance; and determination means for determining whether there is a character string identical or similar to a character string included in the registered confirmation information registered by the first registration means in the character string included in the foreign remittance information received by the reception means.SELECTED DRAWING: Figure 3

Description

  The present invention relates to an information processing system, an information processing method, and a program.

  In the foreign remittance business of banks, paperwork becomes complicated due to many items that need to be entered. Therefore, Patent Document 1 proposes a mechanism for reducing the burden of input work in foreign remittance work.

JP 2011-34298 A

In the processing of foreign remittance, it is necessary not only to input necessary information but also to check whether there are fraudulent items for remittance destination and remittance purpose.
However, at present, the contents of payments in foreign remittances are checked manually. For this reason, the work in the foreign remittance business is still complicated. In addition, for example, when the recipient of the remittance is a foreigner and the recipient's name is in a foreign language, there is a possibility that a check omission occurs.

  The information processing system according to the present invention includes first registration means for registering confirmation information relating to foreign remittance, accepting means for accepting foreign remittance information relating to foreign remittance, and characters included in the foreign remittance information accepted by the accepting means. Determination means for determining whether or not there is a character string that is the same as or similar to the character string included in the confirmation information registered by the first registration means.

  According to the present invention, it is possible to further reduce the burden of paperwork for foreign remittance and improve the accuracy of checking input contents.

FIG. 1 is a diagram illustrating an example of a system configuration of a foreign remittance system. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing apparatus. FIG. 3 is a sequence diagram showing an example of information processing in the foreign remittance system. FIG. 4 is a diagram illustrating an example of a black list. FIG. 5 is a diagram for explaining processing for determining the similarity between a character string and a character string using the Levenshtein distance. FIG. 6 is a conceptual diagram in which a remittance with a similarity of 70% or more is stored in a predetermined memory as a blacklist match candidate. FIG. 7 is a diagram illustrating an example of a white list. FIG. 8 is a diagram for explaining a process of determining a similarity between a character string and a character string by removing a character string included in the white list. FIG. 9 is a diagram illustrating an example in which the black list and the date / time information on which the similarity determination using the black list is performed are associated with each other and stored as history information in a predetermined memory.

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

<Embodiment 1>
(System configuration of foreign remittance system)
FIG. 1 is a diagram illustrating an example of a system configuration of a foreign remittance system.
In the foreign remittance system, a business corporation PC 10, an information processing device 20, and a financial institution PC 30 are connected via a network such as the Internet or a dedicated line. The business corporation PC 10 is a PC (Personal Computer) of a business corporation that requests foreign money transfer and approves the request. The financial institution PC 30 is a PC of a financial institution that performs foreign remittance. The information processing apparatus 20 receives and registers a black list and a regulated product check list described later from the financial institution PC 30. Further, the information processing apparatus 20 receives a foreign remittance request form from the business corporation PC 10. Then, the information processing apparatus 20 determines whether or not there is a character string that is the same as or similar to the character string included in the registered blacklist or restricted item checklist in the character string included in the accepted foreign remittance request. And information based on the determination result is output. Information based on the determination result includes not only whether or not there is the same / similar character string, but also information including the similarity of similar / similar character strings, similar ranks, and the like. The information processing apparatus 20 is an example of a computer.
The system configuration shown in FIG. 1 is merely an example, and the business corporation PC 10 may be an information processing terminal such as a personal customer PC. Further, the information processing apparatus 20 may be managed by a third party other than the financial institution and used by the financial institution, or may be configured by each financial institution.
By adopting such a configuration, it is possible to further reduce the burden of paperwork for foreign remittance and improve the accuracy of checking input contents.

(Hardware configuration of information processing device)
FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing apparatus 20.
The information processing apparatus 20 includes a CPU 21, a memory 22, and a communication unit 23 as a hardware configuration. The CPU 21 controls the entire information processing apparatus 20. The memory 22 stores a program, data used when the CPU 21 executes processing based on the program, and the like. The communication unit 23 connects the information processing apparatus 20 to a network and controls communication with other systems and apparatuses. The function of the information processing apparatus 20 is realized by the CPU 21 executing a process based on a program stored in the memory 22. Here, the business corporation PC 10 and the financial institution PC 30 also have the same configuration as in FIG. However, the business corporation PC 10 and the financial institution PC 30 have an input device, a display device, and the like in addition to the configuration shown in FIG.
Here, in FIG. 1 and FIG. 2, the business corporation PC 10, the information processing apparatus 20, and the financial institution PC 30 have been described as being composed of a single apparatus (PC) for simplicity of explanation, You may comprise as a system which consists of these apparatuses.
In the following description, it is assumed that each system is configured. That is, the business corporation system 15 shown below is composed of a plurality of business corporation PCs 10. The information processing system 25 includes a plurality of information processing devices 20. The financial institution system 35 includes a plurality of financial institution PCs 30.
When the information processing system 25 includes a plurality of information processing apparatuses 20, the functions of the information processing system 25 are realized by a plurality of CPUs executing processes based on programs stored in one or a plurality of memories. The Further, it may be configured as a cloud type system.

(Information processing in foreign remittance system)
FIG. 3 is a sequence diagram showing an example of information processing in the foreign remittance system. In the example of FIG. 3, there are one business corporation system 15 and one financial institution system 35 connected to the information processing system 25, but a plurality of business corporation systems 15 and financial institution systems 35 are included in the information processing system 25. Connected.
In SQ 10, the financial institution system 35 transmits the black list to the information processing system 25. Here, the black list is a list of inappropriate remittance destinations (recipient names) set by each financial institution. FIG. 4 shows an example of the black list. The black list is an example of first confirmation information regarding a foreign remittance destination.
When the black list is received, in SQ11, the information processing system 25 registers the black list in a predetermined memory for each financial institution identified by the financial institution system 35 that has transmitted the black list. That is, the information processing system 25 registers the black list in a predetermined memory in association with the identification information for identifying the financial institution. The information processing system 25 has a dedicated environment for each financial institution, and may be configured to register a blacklist in the environment of the institution that logged in without being aware of the identification information. Is assumed.
In SQ 12, the financial institution system 35 transmits a restriction target product checklist to the information processing system 25. Here, the regulated product checklist is a list of regulated products set by each financial institution. The restricted product checklist is an example of second confirmation information related to items other than the recipient name. However, in this embodiment, the blacklist and the regulated product checklist will be described as confirmation information as an example of the confirmation information. However, the present invention is not limited to this, and other information may be used as long as it requires confirmation regarding foreign remittance. .
Upon receipt of the regulated product checklist, in SQ13, the information processing system 25 registers the regulated product checklist in a predetermined memory for each financial institution of the financial institution system 35 that has transmitted the regulated product checklist. That is, the information processing system 25 registers the restricted product check list in a predetermined memory in association with identification information for identifying a financial institution.
Here, the order of transmission and registration of the black list and the regulated product check list may be reversed or simultaneous.
Further, the processing of SQ10 to SQ13 is not performed every time during a series of foreign remittance processing, but is performed at the timing when the blacklist and the regulated product checklist are updated. This is done using the latest blacklist. The black list and the regulated product check list are updated at a predetermined timing, and the black list at each time point is stored as a history together with information indicating the version.

In SQ 14, the business corporation system 15 transmits a request for foreign remittance that designates a financial institution to be used for foreign remittance to the information processing system 25.
When the request for foreign remittance is received, in SQ15, the information processing system 25 identifies the identification information for identifying the request for foreign remittance, the identification information for identifying the designated financial institution, and the foreign remittance request included in the request for foreign remittance. Is registered in a predetermined memory. Here, the foreign remittance request form includes information such as the amount of remittance, the requester, the remittance destination, and the purpose of remittance. The foreign remittance request form is an example of foreign remittance information regarding foreign remittance. The process of receiving a request for foreign remittance is an example of a reception process for receiving foreign remittance information related to foreign remittance.
In response to the operation of the user who has the authorization to approve the request for foreign remittance, in SQ16, the business corporation system 15 transmits request approval including identification information for identifying the request for foreign remittance to the information processing system 25.

When the request approval is received, in SQ17, the information processing system 25 specifies the foreign remittance request form from the memory based on the identification information for identifying the foreign remittance request. The information processing system 25 is registered by the financial institution identified by the identification information for identifying the financial institution from the memory based on the identification information for identifying the designated financial institution registered in association with the foreign remittance request. The blacklist and the regulated product checklist are identified. Then, the information processing system 25 executes screening based on the specified foreign remittance request form, the black list, and the regulated product check list.
That is, the information processing system 25 determines whether there is a character string that is the same as or similar to the character string included in the specified black list in the character string included in the specified foreign remittance request. In addition, the information processing system 25 determines whether or not there is a character string that is the same as or similar to the character string included in the specified restricted item check list in the character string included in the specified foreign remittance request.
More specifically, the information processing system 25 determines the character string included in the foreign remittance request based on the similarity between the character string of the recipient name included in the foreign remittance request and the character string included in the blacklist. It is determined whether or not there is a character string that is the same as or similar to the character string included in the black list. Here, the information processing system 25 determines the similarity between the character string and the character string using the Levenshtein distance. The Levenshtein distance is calculated by using, for example, a dynamic programming algorithm, and is a value representing how many times the same character string is edited.

FIG. 5 is a diagram for explaining processing for determining the similarity between a character string and a character string using the Levenshtein distance.
The character string on the left side of FIG. 5 is a character string of a recipient name (remittance destination) included in the foreign remittance request form, and the character string on the right side of FIG. 5 is a character string included in the black list. When the character string “Oq prsu” on the left side of FIG. 5 is edited to the character string “Op qrstu” on the right side of FIG. 5, for example, the second character q of the character string on the left side of FIG. The third character q is replaced with p. In this case, the distance is 2. In the case of the example of FIG. 5, the information processing system 25 determines that the similarity is 5/7 = about 71% because the length of the character string is 7 characters, and 5 of the 7 characters do not require editing.
As shown in FIG. 5, it is determined whether there is a character string that is the same as or similar to the character string included in the black list among the character strings included in the foreign remittance request based on the similarity. This is because even if the character string of the recipient name (remittance destination) is different from the character string registered in the black list due to a spelling error, it is possible to find out the suspicious remittance destination without missing it.
In addition, the information processing system 25 receives the recipient country name, recipient country name, recipient address, recipient bank name, transit bank name, place of origin, shipping location, destination of cargo, and details of remittance (specific) Of the character string included in the foreign remittance request form based on the stemming of the character string included in the item (such as address and remittance purpose) and the character string included in the restricted product checklist. It is determined whether or not there is a character string included in the restricted product check list. The information processing system 25 is included in the restricted item checklist in the character string included in the foreign remittance request based on at least one of the front match, the back match, and the partial match as the stem match. Determine if there is a string.

  Although all the character strings included in the foreign remittance request may be determined based on the similarity, the determination based on the similarity requires more processing power such as a CPU than the determination based on the word stem matching, and the processing takes time. Cost. In particular, the address, the purpose of remittance, etc. become long as a character string, and it takes time to calculate the similarity. In addition, for example, when you want to check whether a character string representing a specific country name is included, the address field of the foreign remittance request form is a series of characters including the prefecture, city, town, etc. other than the country name. When configured as a column, since the similarity is calculated between the name of the country to be checked and the entire address of one item of the foreign remittance request form, determination based on the similarity may be difficult. Therefore, in this embodiment, the foreign remittance destination is determined based on the similarity, and the address, the purpose of remittance, and the like are determined based on the word stem match. However, the information processing system 25 may perform determination based on the similarity to all items (foreign remittance destination, remittance purpose, etc.) in response to a request from the financial institution system 35. Further, for example, in response to a request from the financial institution system 35, the information processing system 25 sets a character string or an item to be determined based on the similarity among the character strings included in the foreign remittance request form. It may be. The information processing system 25 then resembles the set character string or item character string among the character strings included in the foreign remittance request and the character string included in the list registered from the financial institution system 35. Based on the degree, it may be determined whether there is a character string that is the same as or similar to the character string included in the list in the character string included in the foreign remittance request.

In SQ18 of FIG. 3, the information processing system 25 outputs the determination result. For example, the information processing system 25 stores a remittance destination whose similarity is equal to or higher than a threshold (for example, 70%) among remittance destinations included in the black list as a black list match candidate, for example, in a predetermined memory. FIG. 6 is a conceptual diagram in which a remittance with a similarity of 70% or more is stored in a predetermined memory as a blacklist match candidate.
Here, the information processing system 25 may change the similarity threshold in response to a request from the financial institution system 35, or only the character string of the recipient name (remittance destination) having the highest similarity. Alternatively, 10 items having the highest similarity may be output as black list matching candidates.
In SQ 19, the financial institution system 35 transmits a screening result inquiry request to the information processing system 25.
When the screening result inquiry request is received, in SQ20, the information processing system 25 generates a screen including the determination result stored in the memory or the like and displays it on the Web browser or the like of the financial institution system 35.
In SQ 21, the financial institution system 35 transmits a screening result output request to the information processing system 25.
When the output request for the screening result is received, in SQ22, the information processing system 25 generates a file including the determination result stored in the memory or the like and transmits it to the financial institution system 35.
The order of SQ19 and SQ21 may be reversed.

The person in charge of the financial institution system 35 confirms whether it is an appropriate transmission destination, an appropriate remittance purpose, or the like by looking at the determination result transmitted as a screen or a file. If it is not an appropriate destination or an appropriate remittance purpose, the financial institution system 35 notifies the business entity system 15 that requested the foreign remittance via the information processing system 25 of the cause, etc., and requests correction. To do. In the case of an appropriate destination or an appropriate remittance purpose, the financial institution system 35 instructs the information processing system 25 to execute foreign remittance. Upon receiving the instruction, the information processing system 25 performs processing related to the execution of the foreign remittance based on the content of the foreign remittance request form.
According to the processing of this embodiment, it is possible to further reduce the burden of paper processing for foreign remittance and improve the accuracy of checking the input contents.

<Embodiment 2>
In response to a request from the financial institution system 35, the information processing system 25 may register a white list that does not require consideration in determining the similarity. FIG. 7 is a diagram illustrating an example of a white list. The white list is an example of confirmation unnecessary information.
For example, the information processing system 25 includes the character string of the recipient name included in the foreign remittance request form excluding the character string included in the white list and the character list included in the black list. Determine whether there is a character string that is the same or similar to the character string included in the blacklist in the character string included in the foreign remittance request based on the similarity to the character string excluding the character string .
FIG. 8 is a diagram for explaining a process of determining a similarity between a character string and a character string by removing a character string included in the white list. The character string on the left side of FIG. 8 is the character string of the recipient name (remittance destination) included in the foreign remittance request form, and the character string on the right side of FIG. 8 is the character string included in the black list. For example, “BANK” is a character string registered in the white list. In addition, for example, “corporation” is registered in the white list.
“BBC XZZ BANK” is supposed to be an appropriate remittance destination.
If the information processing system 25 calculates the similarity without removing “BANK”, it is necessary to replace two characters between “BBC XZZ BANK” and “ABC XYZ BANK”. Since the depth is 10, the similarity is 8/10 = 80%. Therefore, if the threshold is set to 70%, “BBC XZZ BANK” becomes a blacklist match candidate. However, when the information processing system 25 removes “BANK” and calculates the similarity, the similarity is 4/6 = about 67%. Therefore, if the threshold is set to 70%, “BBC XZZ BANK” is not a blacklist match candidate.
Check accuracy can be improved by removing the characters registered in the white list and determining the similarity of character strings.

(Modification 1)
In determining the similarity, the information processing system 25 may use the Jarowinkler distance instead of the Levenshtein distance.

(Modification 2)
The information processing system 25 determines whether or not there is a character string that is the same as or similar to the character string included in the registered blacklist or restricted item checklist in the character string included in the accepted foreign remittance request. It may be determined and the black list used for the determination, the regulated product check list, and the date and time information may be associated with each other and stored as history information in a predetermined memory.
FIG. 9 is a diagram illustrating an example in which the black list and the date / time information on which the similarity determination using the black list is performed are associated with each other and stored as history information in a predetermined memory.
As shown in FIG. 9, by holding history information, even if money has been sent to an inappropriate destination, whether or not the destination has not been registered in the blacklist in the first place, etc. It becomes possible to grasp the cause later.

  The exemplary embodiment of the present invention has been described in detail above, but the present invention is not limited to the specific embodiment.

  As described above, according to the processing of each embodiment described above, it is possible to further reduce the burden of paper processing for foreign remittance and improve the accuracy of checking input contents.

21 CPU
25 Information processing system

Claims (14)

A first registration means for registering confirmation information regarding foreign remittance;
A means of accepting foreign remittance information regarding foreign remittance,
Whether there is a character string that is the same as or similar to the character string included in the confirmation information registered by the first registration means in the character string included in the foreign remittance information received by the receiving means. Determination means for determining;
An information processing system.   The determination means, based on the similarity between the character string included in the foreign remittance information and the character string included in the confirmation information, the character included in the confirmation information in the character string included in the foreign remittance information The information processing system according to claim 1, wherein it is determined whether there is a character string that is the same as or similar to the string. Among the character strings included in the foreign remittance information, further comprising setting means for setting a character string to be determined,
The determination unit includes the character string included in the foreign remittance information based on the similarity between the character string set by the setting unit and the character string included in the confirmation information. The information processing system according to claim 2, wherein it is determined whether there is a character string that is the same as or similar to the character string included in the confirmation information. The confirmation information is first confirmation information regarding a foreign remittance destination,
The determination means includes the character string included in the foreign remittance information in the character string included in the foreign remittance information based on the similarity between the character string of the recipient name included in the foreign remittance information and the character string included in the first confirmation information. The information processing system according to claim 2, wherein it is determined whether there is a character string that is the same as or similar to the character string included in the first confirmation information. The confirmation information is first confirmation information relating to a recipient name and second confirmation information relating to other than the recipient name,
The determination means includes the character string included in the foreign remittance information in the character string included in the foreign remittance information based on the similarity between the character string of the recipient name included in the foreign remittance information and the character string included in the first confirmation information. It is determined whether there is a character string that is the same as or similar to the character string included in the first confirmation information, and the character string included in the item other than the recipient name of the foreign remittance information and the second confirmation information A request for determining whether or not there is a character string included in the second confirmation information in a character string included in an item other than the recipient name of the foreign remittance information based on a stemming match with the included character string. Item 3. The information processing system according to Item 2.   The information processing system according to claim 2, wherein the determination unit determines a similarity between a character string using a Levenshtein distance.   The determination means includes the second confirmation information in the character string included in the foreign remittance information based on at least one of a front match, a back match, and a partial match as the stem match. 6. The information processing system according to claim 5, wherein it is determined whether there is a character string to be read. A second registration means for registering non-confirmation information regarding foreign remittance;
The determination means includes the character string of the recipient name included in the foreign remittance information excluding the character string included in the confirmation unnecessary information and the character string included in the first confirmation information and the confirmation unnecessary. Based on the similarity to the character string excluding the character string included in the information, a character string that is the same as or similar to the character string included in the first confirmation information is included in the character string included in the foreign remittance information. The information processing system according to claim 4, wherein it is determined whether or not there is.   9. The storage device according to claim 1, further comprising a storage unit that associates the date and time information determined by the determination unit with the confirmation information used for the determination by the determination unit and stores the information as history information in a memory. Information processing system.   The information processing system according to claim 1, further comprising an output unit that outputs information based on a result of determination by the determination unit. The first registration means registers confirmation information regarding foreign remittance for each financial institution in response to a request from the financial institution system,
The accepting means accepts foreign remittance information regarding foreign remittance that designates a financial institution,
The determination means is a confirmation regarding the foreign remittance of the designated financial institution in the confirmation information registered by the first registration means in the character string included in the foreign remittance information accepted by the accepting means. The information processing system according to claim 1, wherein it is determined whether or not there is a character string that is the same as or similar to a character string included in the information. An information processing method executed by an information processing system,
A first registration process for registering confirmation information regarding foreign remittance;
Acceptance process to accept foreign remittance information on foreign remittance,
Whether there is a character string that is the same as or similar to the character string included in the confirmation information registered in the first registration step in the character string included in the foreign remittance information received in the reception step. A determination step for determining;
An information processing method including:   The program for functioning a computer as each means of the information processing system in any one of Claims 1 thru | or 11. Computer
It functions as a judging means for judging whether or not there is a character string that is the same as or similar to the character string included in the confirmation information regarding the registered foreign remittance in the character string included in the foreign remittance information regarding the accepted foreign remittance. Program for.

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