JP2021131612A - Foreign remittance processing system, foreign remittance management device and program - Google Patents

Abstract

To provide a mechanism that makes it possible to perform a foreign remittance service quickly and efficiently at a bank and the like.SOLUTION: A foreign remittance processing system 1000 includes: a reception unit that accepts, from a user, input of a destination country where a foreign bank serving as a remittance destination is located, which is the information included in foreign remittance request data; a database that stores input items required to issue a remittance instruction for each destination country; an extraction unit that extracts the input items according to the destination country from the database, based on the destination country input by the user; and a presentation unit that presents the extracted input items to the user.SELECTED DRAWING: Figure 1

Description

The present invention relates to an overseas remittance business in a financial institution such as a bank, and more particularly to an overseas remittance processing system, an overseas remittance management device and a program.

A user who desires overseas remittance goes to a bank branch (sales office) that handles overseas remittance business and requests remittance. FIG. 11 is an explanatory diagram for explaining a conventional overseas remittance procedure.

The person in charge at the sales office asks the user to manually fill in the information necessary for overseas remittance on the request form, confirms the identity, assists in filling out the request form, and checks the simple format of the request form. I do. After that, the person in charge of the sales office sends a request form or the like to the bank headquarters by fax or the like (SA1).

The person in charge of confirmation at the bank headquarters confirms the details of the request form and confirms whether or not the transaction is suspicious (so-called anti-money laundering check; hereinafter, AML check). The person in charge of confirmation at the bank headquarters confirms the contents and makes inquiries to the person in charge at the branch office as necessary (SA2).

After that, the person in charge of confirmation at the bank headquarters generates and processes a set of documents necessary for remittance based on the request form, and hands it to the person in charge of settlement at the bank headquarters (SA3). After confirming the remittance route and the like, the person in charge of settlement at the bank headquarters gives instructions for international remittance (hereinafter referred to as SWIFT transmission) using SWIFT (Society for Worldwide Interbank Financial Telecommunication) (SA4).

Japanese Unexamined Patent Publication No. 2003-150781

In this way, in the conventional overseas remittance procedure, information is exchanged on a document basis, so each person in charge must perform clerical work such as approval and seal inspection, which requires complicated work. At the same time, it took a long time to complete the international remittance.

The present invention has been made in view of the circumstances described above, and an object of the present invention is to provide a mechanism capable of promptly and efficiently performing overseas remittance business in a financial institution such as a bank.

The overseas remittance processing system according to one aspect of the present disclosure is an overseas remittance processing system that instructs the recipient in the name of the account of the overseas bank to which the remittance is made for the overseas remittance request data received from the user. , Information included in the overseas remittance request data, the first reception department that accepts the input of the destination country where the overseas bank to which the remittance is located, and the input items required to give the remittance instruction for each destination country A first database to be stored, an extraction unit that extracts input items according to the destination country from the first database based on the destination country input by the user, and a presentation unit that presents the extracted input items to the user. The gist is to have it.

According to the present invention, it is possible to quickly and efficiently carry out overseas remittance operations at banks and the like.

It is a figure which shows the structure of the overseas remittance processing system which concerns on this embodiment. It is a figure which shows the outline of the overseas remittance processing system. It is a figure which shows the hardware configuration example of the overseas remittance management server. It is the figure which illustrated the input screen which specifies the type and amount of the overseas remittance. It is a figure which illustrated the input screen which specifies the recipient information. It is a figure which illustrated the input screen which specifies the bank information of the remittance destination. It is a flowchart which shows the input control processing. It is a figure which illustrated the input screen which specifies the purpose of money transfer. It is a schematic diagram of the AML check operation. It is a schematic diagram which shows the pre-input operation which concerns on the modification. The management screen in the business terminal is illustrated. It is a figure which illustrated the inquiry screen inquiring whether or not there is a repeat remittance. It is explanatory drawing for demonstrating the conventional overseas remittance procedure.

Hereinafter, one of the embodiments of the present invention will be described in detail. It should be noted that the following embodiments are examples for explaining the present invention, and the present invention is not intended to be limited only to the embodiments thereof. Further, the present invention can be modified in various ways as long as it does not deviate from the gist thereof. Further, those skilled in the art can adopt an embodiment in which each element described below is replaced with an equal one, and such an embodiment is also included in the scope of the present invention. Furthermore, the positional relationship such as up, down, left, and right shown as necessary shall be based on the indicated display unless otherwise specified. Furthermore, the various dimensional ratios in the drawings are not limited to the ratios shown.

A. FIG. 1 is a diagram showing a configuration of an overseas remittance processing system 1000 according to the present embodiment, and FIG. 2 is a diagram showing an outline of an overseas remittance processing system 1000.

The overseas remittance processing system 1000 is a system that gives remittance instructions to the recipient in the name of the account of the overseas bank to which the remittance is sent, based on the contents of the overseas remittance request received from the user, and is a business used by the person in charge of the sales office. The system includes a terminal 100, a terminal 200 for the headquarters used by a person in charge of the bank headquarters, and an overseas remittance management server 300 that centrally manages operations related to overseas remittance. The business terminal 100, the headquarters terminal 200, and the overseas remittance management server 300 are connected to each other so as to be able to communicate with each other via a communication network N such as the Internet or a dedicated line.

For convenience of explanation, the business terminal 100 and the headquarters terminal 200 are shown one by one, but a plurality of terminals may be installed. Further, the overseas remittance management server 300 may be realized by one computer, but may be composed of a plurality of computers and an appropriate peripheral device.

The business terminal 100 provides a function of accepting input of overseas remittance request data from a user under the management of the overseas remittance management server 300. The overseas remittance request data includes, for example, remittance source information, remittance information, remittance destination bank information, remittance amount information, and the like. The remittance source information is information that identifies the remittance source, such as the user's name, address, and contact information. The recipient information is information for identifying the recipient, such as the recipient's name, address, and contact information. The remittance destination bank information is information that identifies the remittance destination bank or bank account, such as the name of the remittance destination overseas bank or the account number of the remittance destination overseas bank. The remittance amount information is information representing the remittance amount.

The headquarters terminal 200 provides functions such as instructions for overseas remittance by linking with the business terminal 100 in a workflow. As a method of instructing overseas remittance, SWIFT transmission can be used as before, and a specific remittance platform (for example, Western Union international remittance service) that can digitize and process external payments should be used. Is possible. Further, as the business terminal 100 and the headquarters terminal 200, various terminals such as a tablet terminal and a personal computer can be used.

The overseas remittance management server (overseas remittance management device) 300 is composed of a server computer and the like, and has various functions such as a function of receiving and storing overseas remittance request data from a business terminal 100 and a function of managing the processing status of overseas remittance. Provides functionality (details below).

<Hardware configuration>
FIG. 3 is a diagram showing a hardware configuration example of the overseas remittance management server 300. The overseas remittance management server 300 includes a processor 301 such as a CPU (Central Processing Unit) and a GPU (Graphical processing unit), a storage device 302 such as a memory, an HDD (Hard Disk Drive) and / or an SSD (Solid State Drive), and a wired or wired device. It has a communication IF (Interface) 303 that performs wireless communication, an input device 304 that accepts input operations, and an output device 305 that outputs information. The input device 304 is, for example, a keyboard, a touch panel, a mouse and / or a microphone. The output device 305 is, for example, a display and / or a speaker.

<Functional block configuration>
Returning to FIG. 1, the overseas remittance management server 300 includes a storage unit 310 and a control unit 320.
The storage unit 310 can be realized by using the storage device 302 included in the overseas remittance management server 300. Further, the control unit 320 can be realized by the processor 301 of the overseas remittance management server 300 executing the program stored in the storage device 302. In addition, the program can be stored in a storage medium. The storage medium in which the program is stored may be a non-transitory computer readable medium. The non-temporary storage medium is not particularly limited, but may be, for example, a storage medium such as a USB memory or a CD-ROM.

The storage unit 310 includes an input item management DB 311 that stores various input items related to overseas remittance, a sanction management DB 312 that stores a sanction list for identifying sanctioned persons that should not be remittance targets, and a sanction management DB 312 of each user. Stores the remittance history management DB 313 that stores the history of overseas remittance.

The control unit 320 provides an input control function for controlling input related to overseas remittance, an AML check function for performing an AML check using a sanction list, and the like according to the destination country where the overseas bank to which the remittance is located is located. ..

<Input control function>
Currently, the information that needs to be entered for overseas remittance (that is, the input items) differs depending on the destination country, which is one of the causes that complicate the foreign remittance procedure. Therefore, in the present embodiment, various patterns of input items according to the destination country are prepared, input items corresponding to the destination country are extracted according to the designation of the destination country by the user, and the input items of the business terminal 100 are input. Display on the screen. This saves the person in charge of the sales office the burden of explaining the information required for input to the user each time according to the destination country, and also saves the trouble of confirming the information required for the destination country with the person in charge of the headquarters. It can be omitted. Hereinafter, a mode in which the input items are switched according to the destination country will be described with reference to the drawings.

FIG. 4A is a diagram illustrating an input screen G1 for designating the type and amount of overseas remittance, FIG. 4B is a diagram illustrating an input screen G2 for specifying recipient information, and FIG. 4C is a diagram illustrating a remittance destination. It is a figure which illustrated the input screen G3 which specifies the bank information.

For example, as shown in FIG. 4A, when a specific country P1 is specified in the remittance destination country (destination country), as shown in FIG. 4B, the recipient's identification number (for example, Tax ID or passport number) is given to the user. Input item I1 for requesting input of (such as) and input item I2 for requesting input of contact information (telephone number, etc.) addressed to the recipient are displayed. The input item I1 for requesting the input of the recipient's identification number and the input item I2 for requesting the input of the communication matter addressed to the recipient are displayed or hidden depending on the destination country.

Further, as shown in FIG. 4C, the display of the bank information of the remittance destination is also switched according to the destination country. For example, depending on the destination country, the input item I3 for requesting the input of the recipient's account number may be displayed, or the input item I4 for requesting the input of the recipient's IBAN (International Bank Account Number) code may be displayed. Further, for the destination country for which the input of the remittance destination bank code (Routing Code) is requested, the input item I5 for requesting the input of the remittance destination bank code is displayed.

FIG. 5 is a flowchart showing an input control process executed by the control unit 320.
The control unit (first reception unit) 320 requests the user to input the overseas remittance request data by displaying the input screen G1 as shown in FIG. 4A on the business terminal 100 (step S1). When the control unit (first reception unit, extraction unit, presentation unit) 320 detects that the destination country has been input by the user (step S2), the control unit (first reception unit, extraction unit, presentation unit) 320 inputs the input items required in the destination country into the input item management DB (first). 1 Database) Extracted from 311 (step S3), displayed on the business terminal 100 (step S4), and then the process ends. As a result, an input screen customized according to the destination country is displayed on the business terminal 100 (see FIGS. 4B and 4C). This allows the user to easily enter the information required according to the destination country (that is, the recipient information and the bank information of the remittance destination) without receiving an explanation from the sales person. ..

In addition, in FIGS. 4A to 4C, the mode in which the input items are switched according to the destination country is illustrated, but in addition to this, the input items may be switched according to the purpose of remittance. FIG. 6 is a diagram illustrating an input screen G4 for designating a remittance purpose.

The user can specify a trade purpose and a non-trade purpose (for example, payment of royalties) as the purpose of remittance. When the trade purpose is specified by the user, the control unit (presentation unit) 320 displays the input item I6 for requesting the input of information necessary for trade (for example, product name, place of origin, shipping place, etc.) on the input screen G4. indicate. On the other hand, when a purpose other than trade is specified for the user, the control unit 320 displays an input item or the like requesting a supplementary explanation on the input screen G4.

<AML check function>
Currently, when checking AML, the person in charge of confirmation at the bank headquarters manually inputs information about the recipient into the sanction search system (not shown) based on the description in the request form sent by fax from the branch office. Then determine if the recipient is subject to sanctions. If, for example, the confirmer determines that the recipient's name matches the name of the sanctioned person and is likely to be the sanctioned person (in the case of NG), the confirmer contacts the sales office. It asks the user for additional information (eg, the recipient's ID number, date of birth, etc.) and makes a final decision as to whether or not they are subject to sanctions. When the person in charge of confirmation finally determines that the recipient is subject to sanctions, he / she contacts the user and takes measures such as refusing to accept overseas remittances. In this way, in the current AML check, it is necessary to exchange a lot of information between each person in charge in order to make a final judgment as to whether or not the recipient is subject to sanctions, which requires a great deal of time and effort. is necessary. On the other hand, in the present embodiment, the overseas remittance management server 300 realizes a quick and accurate AML check by comparing the recipient information input by the user with the sanction list for identifying the sanctioned person. do. Hereinafter, a specific embodiment of the AML check will be described with reference to the drawings.

FIG. 7 is a schematic diagram of the AML check operation according to the present embodiment.
The basic sanction list L1 and the original sanction list L2 are stored in the sanction management DB (second database) 312. The basic sanction list (first sanction list) L1 is a list provided by an external information vendor, etc., and is common to all financial institutions (banks, etc.). On the other hand, the original sanction list (second sanction list) L2 is an original list provided by each financial institution (bank, etc.). Each list contains detailed information about the sanctioned person (eg, the sanctioned person's name, nationality, address, contact information, bank name used, bank code, address, etc.).

The control unit (second reception unit) 320 requests the user to input the overseas remittance request data. The overseas remittance request data includes recipient information (for example, recipient name, recipient's address, etc.) and remittance destination bank information (remittance destination bank name, remittance destination bank code, etc.). When the control unit (judgment unit) 320 detects that the recipient information and the bank information of the remittance destination have been input by the user, the control unit (judgment unit) 320 accesses the sanction management DB 312, and the basic sanction list L1 and the headquarters bank (for example, bank A) Identify the original sanction list L2 to be provided. Then, the control unit 320 compares the specified basic sanction list L1 and original sanction list L2 with the recipient information and the bank information of the remittance destination to determine whether or not the recipient is registered as a sanctioned person. to decide. When the recipient is registered as a sanctioned person, the control unit (notification unit) 320 displays an alert on the business terminal 100, for example, to indicate that the overseas remittance requested this time cannot be accepted. Notify. According to such a configuration, the AML check can be performed accurately and quickly on the overseas remittance management server 300 without human intervention.

B. Modifications The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the gist of the present invention. For this reason, the above embodiments are merely exemplary in all respects and are not to be construed in a limited manner. For example, the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel within a range that does not cause a contradiction in the processing contents.

In the above-described embodiment, the case where the user goes to the sales office and operates the sales terminal 100 to input the overseas remittance request data has been described, but the present invention is not limited to this. For example, users can use their own terminals (smartphones, mobile phones, wearable terminals, tablet terminals, personal computers, etc.) to pre-enter all or part of overseas remittance request data before going to a branch office. You may. Hereinafter, the pre-input function of the user terminal (user terminal) 400 will be described with reference to the drawings.

<Advance input function>
FIG. 8 is a schematic diagram showing a pre-input operation according to a modified example.
The user activates a predetermined application mounted on the user terminal 400 to display the pre-input screen G5 as shown in FIG. 7A on the user terminal 400. By operating the user terminal 400, the user inputs the user's contact information (telephone number, etc.) along with the bank scheduled to visit the store, the date scheduled to visit the store, and the like (see A shown in FIG. 8). After that, the user inputs the overseas remittance request data, and then clicks the pre-application request button B1 (see B shown in FIG. 8). When the user terminal (reception unit, transmission unit) 400 receives the input of the overseas remittance request data, the user terminal (reception unit, transmission unit) 400 transmits the input to the overseas remittance management server 300. When the overseas remittance management server 300 receives the overseas remittance request data, it issues a reception number N1 for uniquely identifying the advance reservation, notifies the user terminal 400 (see C shown in FIG. 8), and requests the overseas remittance. The data and the reception number are transmitted to the business terminal 100.

FIG. 9 illustrates a management screen G6 showing the status of each overseas remittance request data in the business terminal 100.
In FIG. 9, the status of the overseas remittance request data (for example, "advance reception", "re-entering", etc.), the reception date and time included in the overseas remittance request data, the reception shop / charge, the destination country, the remittance amount, etc. Etc. are displayed on the management screen G6. When the person in charge of the branch office detects the overseas remittance request data whose status is "advance reception" by referring to the management screen G6, the person in charge confirms the contents of the overseas remittance request data of the advance reception, and the description content is incorrect. Check for any deficiencies in the documents.

The person in charge of the sales office notifies the user terminal 400 of the check result by operating the sales terminal 100, for example, by using a short message service (SMS) or the like. When the user terminal (reception unit) 400 receives the check result, the user terminal (reception unit) 400 notifies the user by displaying the check result on the display panel or the like. If there is any deficiency (for example, an error) in the pre-received overseas remittance request data, the check result may be notified after identifying the location where the error has occurred. .. Further, as shown in FIG. 8C above, it may be confirmed in advance whether or not the user wishes to be notified of the check result by using SMS.

According to such a configuration, the contents of the overseas remittance request data can be confirmed by the advance reception before the user visits the branch office. Therefore, when the user actually visits the store, the reception can be completed only by the identity verification and the settlement of the remittance amount (for example, withdrawal from the bank account).

A repeat remittance function may be provided to further simplify the pre-input. FIG. 10 is a diagram illustrating an inquiry screen G7 for inquiring about the presence or absence of repeat remittance.

Repeat remittance means that the user remits with the same contents as the previous time, and by using the repeat remittance function, the user can save the trouble of re-entering the same contents. When using the repeat remittance function, the user operates the user terminal 400 and inputs the repeat remittance code C1 (see A shown in FIG. 10). The repeat remittance code C1 is transmitted from the overseas remittance management server 300 to the user terminal 400 of the user each time an overseas remittance is performed.

Specifically, the overseas remittance management server 300 issues a remittance code each time an overseas remittance is made, and the issued remittance code and the remittance contents (recipient information, remittance destination bank information, remittance amount, etc.) Is stored in the remittance history management DB 313 in association with each other, and the issued remittance code is transmitted to the user terminal 400 of the user as the repeat remittance code C1. When the user terminal 400 receives the repeat remittance code C1, it stores it in the memory (not shown) of the user terminal 400. When the user remits with the same contents as the previous time, the user reads the repeat remittance code C1 stored in the memory by operating the user terminal 400 and inputs the repeat remittance code C1 (A shown in FIG. 10). reference). As a result, the input content at the time of the previous remittance is displayed on the user terminal 400 (see B shown in FIG. 10), and the user can save the trouble of inputting the same content again.

1000 ... Overseas remittance processing system, 100 ... Sales terminal, 200 ... Headquarters terminal, 300 ... Overseas remittance management server, 310 ... Storage unit, 311 ... Input item management DB, 312 ... Sanction management DB, 313 ... Remittance history management DB , 320 ... Control unit, N ... Communication network

Claims (7)

It is an overseas remittance processing system that instructs the recipient in the name of the account of the overseas bank to which the remittance is made for the overseas remittance request data received from the user.
The first reception unit that accepts the input of the destination country where the overseas bank to which the remittance destination is located, which is the information included in the overseas remittance request data, from the user.
A first database that stores the input items required to issue the remittance instruction for each destination country, and
Based on the destination country input by the user, an extraction unit that extracts input items corresponding to the destination country from the first database, and
An overseas remittance processing system including a presentation unit that presents the extracted input items to the user. The input items include the purpose of remittance,
The overseas remittance processing system according to claim 1, wherein the presenting unit switches item information to be input next by the user according to the purpose of remittance input by the user. The remittance purposes are classified into trade purposes and non-trade purposes.
The overseas remittance process according to claim 2, wherein the presenting unit presents to the user an input item for requesting input of information necessary for trade when the trade purpose is input by the user as the remittance purpose. system. A second reception unit that accepts input from the user, which is information included in the overseas remittance request data, such as recipient information for identifying the recipient and bank information of the remittance destination.
A second database that stores a sanction list to identify those who should not be remitted and those who should not be sanctioned.
A determination unit that determines whether or not the recipient is subject to the sanctions based on the result of comparison between the recipient information, the bank information of the remittance destination, and the sanction list.
Claim 1 or 2, further comprising a notification unit that notifies the user that the overseas remittance based on the overseas remittance request data is not accepted when the recipient is the sanctioned person. The listed overseas remittance processing system. The sanction list includes a first sanction list provided by an external information provider and an original second sanction held by the financial institution provided by the financial institution where the user inputs the overseas remittance request data. The overseas remittance processing system according to claim 4, which includes a list. An overseas remittance management device that manages overseas remittance request data received from users.
The first reception unit that accepts input from the user of the destination country where the overseas bank to which the remittance destination is located, which is the information included in the overseas remittance request data,
A first database that stores the input items required to give remittance instructions for each destination country,
Based on the destination country input by the user, an extraction unit that extracts input items corresponding to the destination country from the first database, and
An overseas remittance management device including a presentation unit that presents the extracted input items to the user. The computer of the user who is planning to send money overseas,
The reception department that accepts the advance input of overseas remittance request data required for overseas remittance,
A transmitter that transmits the pre-entered overseas remittance request data to a financial institution via an overseas remittance management device.
A program for functioning as a receiver for receiving a preliminary check result of the overseas remittance request data from the financial institution.

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