JP2022088185A - Transfer processing device and transfer processing method - Google Patents

Abstract

To provide technology that reduces input errors in transfer processing.SOLUTION: A transfer processing device according to one aspect of the present invention includes a determination unit that requests, when a transfer request to a predetermined deposit account is acquired, input of additional information and determines whether the input additional information satisfies an input requirement, and a transfer processing unit that continues, when it is determined that the additional information satisfies the input requirement, transfer processing.SELECTED DRAWING: Figure 9

Description

The present invention relates to financial technology (fintech).

Private transfers have traditionally been used as a form of transfer or transfer at a financial institution. Private transfer means a transfer process using a transfer request form originally created by the transfer destination company or organization instead of the transfer request form prepared by the financial institution. For example, in the transfer request form by private transfer, in addition to the information such as the financial institution, type, account number, transfer amount, client information, etc. of the transfer destination account required for normal transfer processing, depending on the company or organization, etc. Additional information such as a reference number used to identify the transfer process may be printed.

Japanese Unexamined Patent Publication No. 2013-254439

In such a private transfer, the transferor must go to the store of the financial institution and perform the transfer procedure at the counter. If only the reference number or the like is input, the transferor can add the reference number to the client information by using an ATM terminal or Internet banking.

However, when the transferor himself / herself inputs the reference number or the like, there is a possibility that an input error may occur, such as inputting the reference number by mistake or entering a number or symbol other than the reference number of the invoice. In this case, it becomes difficult for the recipient to identify the transfer due to an input error.

In addition, private transfers are basically premised on transfers at financial institution counters, and users who make heavy use of Internet banking may find it inconvenient.

An object of the present invention is to provide a technique for reducing an input error in a transfer process.

In order to solve the above problem, in one aspect of the present invention, when a transfer request to a predetermined deposit account is obtained, additional information is requested to be input, and it is determined whether or not the input additional information satisfies the input requirement. The present invention relates to a transfer processing apparatus having a determination unit and a transfer processing unit that continues the transfer processing when it is determined that the additional information satisfies the input requirement.

According to the present invention, it is possible to provide a technique for reducing an input error in a transfer process.

It is a schematic diagram which shows the Internet banking system by one Example of this invention. It is a block diagram which shows the hardware composition of the transfer processing apparatus by one Embodiment of this invention. It is a block diagram which shows the functional structure of the transfer processing apparatus by one Embodiment of this invention. It is a figure which shows the transfer destination input screen by one Embodiment of this invention. It is a figure which shows the account information by one Embodiment of this invention. It is a figure which shows the additional information input screen by one Embodiment of this invention. It is a figure which shows the input requirement designation information by one Embodiment of this invention. It is a figure which shows the transfer amount input screen by one Embodiment of this invention. It is a flowchart which shows the transfer processing method by one Example of this invention.

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

In the following embodiment, a transfer processing device that realizes a transfer processing that requires input of additional information is disclosed.

[Internet banking system]
An Internet banking system according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a schematic diagram showing an Internet banking system according to an embodiment of the present invention.

As shown in FIG. 1, the Internet banking system 10 according to an embodiment of the present invention includes a user terminal 50 and a transfer processing device 100. The Internet banking system 10 is typically a computer system operated by a financial institution such as a bank and connected to the Internet. Users such as individuals, corporations, and various groups who have logged in to the Internet banking system 10 can use various financial transaction services such as balance inquiry, transfer, and transfer via the user terminal 50.

The user terminal 50 is, for example, an information processing device such as a personal computer (PC), a smartphone, or a tablet. For example, when the user transfers funds from his / her own deposit account to a desired transfer destination account, the user operates the user terminal 50, logs in to the Internet banking system 10, and then operates the screen provided by the Internet banking system 10. Then, the transfer request is sent to the Internet banking system 10. Upon receiving the transfer request from the user terminal 50, the transfer processing device 100 of the Internet banking system 10 executes the transfer processing described later and transfers the funds from the user's deposit account to the transfer destination account.

The transfer processing device 100 includes the name of the financial institution of the transfer destination, the name of the head office, the account type, the account number, the normal transfer processing that requires input of the transfer amount and the client information, and additional information such as a reference number in the private transfer. It is possible to realize a transfer process that requires the input of. That is, the transfer processing device 100 determines whether the transfer request from the user is a transfer process that requires input of additional information, and the transfer request from the user is a transfer process that requires input of additional information. If so, require the user to enter additional information. When the additional information input by the user is acquired from the user terminal 50, the transfer processing device 100 determines whether the acquired additional information satisfies the input requirement, and the transfer processing is performed only when the additional information satisfies the input requirement. To continue. On the other hand, if the additional information input by the user does not satisfy the input requirement, the transfer processing apparatus 100 determines that there is an input error and does not execute the transfer processing.

For example, the input requirement is, without limitation, character types such as alphanumericals, hiragana, and katakana used for additional information, the number of characters such as the number of digits or a combination thereof, and information expressing or encoding these information. You may.

This makes it possible to replace privately-made transfers at stores by Internet banking, and to reduce input errors and forgetting to input in the transfer process that requires input of additional information. In the following examples, the transfer process will be focused on, but the present invention is not limited to this, and may be any other inter-account fund transfer transaction.

Here, the transfer processing device 100 is realized by a server, and may have a hardware configuration as shown in FIG. 2, for example. That is, the transfer processing device 100 includes a drive device 101, an auxiliary storage device 102, a memory device 103, a CPU (Central Processing Unit) 104, an interface device 105, and a communication device 106, which are interconnected via the bus B.

Various computer programs including programs for realizing various functions and processes described later in the transfer processing apparatus 100 may be provided by a recording medium 107 such as a CD-ROM (Compact Disk-Read Only Memory). When the recording medium 107 storing the program is set in the drive device 101, the program is installed in the auxiliary storage device 102 from the recording medium 107 via the drive device 101. However, the program does not necessarily have to be installed on the recording medium 107, and may be downloaded from any external device via a network or the like. The auxiliary storage device 102 stores the installed program and also stores necessary files and data. The memory device 103 reads and stores a program or data from the auxiliary storage device 102 when a program start instruction is given. The CPU 104 that functions as a processor executes various functions and processes of the transfer processing device 100 as described later according to various data such as a program stored in the memory device 103 and parameters necessary for executing the program. The interface device 105 is used as a communication interface for connecting to a network or an external device. The communication device 106 executes various communication processes for communicating with the external device.

However, the transfer processing device 100 is not limited to the hardware configuration described above, and may be realized by any other appropriate hardware configuration.

[Transfer processing device]
Next, the transfer processing apparatus 100 according to the embodiment of the present invention will be described with reference to FIGS. 3 to 8. In this embodiment, the transfer processing device 100 causes the transfer person to input additional information when the transfer is made to a pre-contracted account of a user or the like who was using a private transfer, and the input additional information is predetermined. The transfer process is executed only when the input requirements are satisfied. FIG. 3 is a block diagram showing a functional configuration of the transfer processing device 100 according to the embodiment of the present invention.

As shown in FIG. 3, the transfer processing device 100 has a determination unit 110 and a transfer processing unit 120. Each of these parts is realized by a process of causing the CPU 104 to execute one or more programs installed in the transfer processing device 100.

When the determination unit 110 acquires the transfer request to the predetermined deposit account, the determination unit 110 requests the input of additional information, and determines whether the input additional information satisfies the input requirement. Specifically, when the user executes the transfer process using the Internet banking system 10, the user first displays the user identification information and authentication information such as a password on the login screen of the Internet banking system 10 displayed on the user terminal 50. To log in to the Internet banking system 10. When the user operates the user terminal 50 to select a transfer process from various financial transactions provided by the Internet banking system 10, the name of the financial institution, the name of the head office, and the name of the transfer destination are displayed on the transfer destination input screen as shown in FIG. Enter the transfer information such as account type and account number.

Upon receiving the transfer request including the input transfer destination information, the determination unit 110 identifies the deposit account corresponding to the transfer destination information, and the specified deposit account requires input of additional information such as a reference number. Is determined. For example, the determination unit 110 holds in advance account information including a flag indicating whether or not each deposit account of its own bank corresponds to a transfer destination that requires input of additional information, and receives the account information with reference to the account information. It may be determined whether or not the deposit account corresponding to the transfer destination information corresponds to the transfer destination that requires input of additional information. Such account information may be configured, for example, in a table format as shown in FIG. In the illustrated account information, if each deposit account specified by the head office name, type and account number corresponds to a transfer destination that requires input of additional information, the flag is set to "Yes" and the additional information is displayed. If it does not correspond to the transfer destination that requires input, the flag is set to "None".

When the deposit account corresponding to the transfer destination information received from the user terminal 50 corresponds to the transfer destination that requires the input of the additional information, the determination unit 110 requests the user to input the additional information. For example, the determination unit 110 may transmit an additional information input screen as shown in FIG. 6A to the user terminal 50 and request the user to input the additional information. When the user operates the user terminal 50, inputs additional information on the additional information input screen, and presses the "Next" button, the determination unit 110 acquires the input additional information, and the acquired additional information is an input requirement. Is satisfied.

In one embodiment, the additional information may be obtained, for example, by scanning and decoding a barcode, alphanumerical characters, or the like printed on an invoice or the like with a camera or the like. In this case, the determination unit 110 transmits an additional information input screen as shown in FIG. 6B to the user terminal 50, and inputs additional information in the same manner as in the embodiment of FIG. 6A, or The user may be able to select whether to scan the barcode or alphanumerical characters printed on the invoice or the like with a camera or the like and input additional information. Additional information such as a reference number is encoded in the printed barcode, and the additional information can be extracted by any known decoding technique. Further, when additional information such as a reference number is directly printed, the captured printed portion can be extracted as additional information by any known character recognition technique.

When the additional information is acquired, the determination unit 110 refers to the input requirement designation information and determines whether the acquired additional information satisfies the input requirement set for the transfer destination. Specifically, when the determination unit 110 acquires a transfer request from the user to a predetermined deposit account via the Internet banking system 10, the determination unit 110 provides an additional information input screen, and the additional information input to the additional information input screen is input. It may be determined whether the requirements are satisfied.

For example, the input requirement designation information may be configured in a table format as shown in FIG. In the illustrated input requirement designation information, among the account information shown in FIG. 5, for each transfer destination that requires input of additional information, that is, for each deposit account for which the flag in the account information is "Yes". Contains the specified input requirements. Each input requirement may be preset by the account holder of the deposit account. For example, if the account holder identifies each transfer process by an 8-digit number reference number, the input requirement may be set as an 8-digit number. Further, when the account holder identifies each transfer process by an identifier composed of 12-digit alphanumerical characters, the input requirement may be set as 12-digit alphanumerical characters. Also, if the account holder uses not only an identifier consisting of 8-digit alphanumers but also a barcode that encodes the identifier, the input requirements are set as 7-digit alphanumers and barcodes. May be good. When the barcode is set as an input requirement, the determination unit 110 may provide the user terminal 50 with an additional information input screen as shown in FIG. 6 (b). When the user presses the "input by scanning" button, for example, the camera function of the user terminal 50 is activated, and the user encodes the barcode by adjusting the position of the user terminal 50 so that the barcode is recognized. It is possible to have the user terminal 50 acquire additional information such as a digitized reference number.

When the additional information acquired from the user terminal 50 satisfies the input requirement, the determination unit 110 determines that the appropriate additional information has been input, and instructs the transfer processing unit 120 to continue the transfer processing. On the other hand, when the additional information acquired from the user terminal 50 does not satisfy the input requirement, the determination unit 110 determines that the appropriate additional information has not been input, and requests the user to re-input the additional information. Error handling may be performed.

When the determination unit 110 acquires a transfer request from the user to a predetermined deposit account via the Internet banking system 10, the determination unit 110 provides an additional information input screen corresponding to the input requirement, and the additional information input to the additional information input screen. May determine if it meets the input requirements. In other words, the determination unit 110 may generate an additional information input screen having an input area satisfying the input requirement so that the user can input only the additional information satisfying the input requirement. For example, when the input requirement is 8 alphanumerical characters, the determination unit 110 may allow only 8 alphanumerical characters to be input in the input area of the additional information input screen. For example, if the input area is configured so that alphanumericals with more than 8 digits cannot be entered, and if only alphanumericals with 7 or less digits are entered, even if the user presses the "Next" button, the screen transition will occur. You may not do it.

When it is determined that the additional information satisfies the input requirement, the transfer processing unit 120 continues the transfer processing. Specifically, upon receiving a notification from the determination unit 110 that appropriate additional information has been input, the transfer processing unit 120 requests the user to input the transfer amount. For example, the transfer processing unit 120 may send a transfer amount input screen as shown in FIG. 8 to the user terminal 50 and have the user input the transfer amount. The barcode acquired by the determination unit 110 may include not only additional information but also the transfer amount. In this case, the transfer amount input screen is displayed with the transfer amount extracted from the barcode input, and the user only confirms without inputting the transfer amount, and presses the "transfer execution" button to transfer. May be executed.

When the transfer amount is input, the transfer processing unit 120 moves the funds corresponding to the transfer amount from the user's deposit account to the deposit account corresponding to the acquired transfer destination information. At this time, the transfer processing unit 120 may include additional information in the transfer processing completion notification and send it to the account holder of the transfer destination account or the designated contact. Upon receiving the completion notification, the account holder of the transfer destination account can confirm that the transfer corresponding to the additional information has been completed.

[Transfer processing method]
Next, with reference to FIG. 9, a transfer processing method according to an embodiment of the present invention will be described. The method may be realized, for example, by the transfer processing device 100 described above, and in particular, may be realized by the processor of the transfer processing device 100 executing a program stored in the memory. FIG. 9 is a flowchart showing a transfer processing method according to an embodiment of the present invention.

As shown in FIG. 9, in step S101, the transfer processing device 100 acquires the transfer destination information. The transfer destination information may be composed of information for specifying the deposit account of the transfer destination, such as the name of the financial institution of the transfer destination, the name of the head office, the account type, and the account number.

In step S102, the transfer processing device 100 determines whether the transfer destination is a predetermined deposit account. Specifically, the transfer processing device 100 refers to the account information indicating whether or not each deposit account is a transfer destination that requires input of additional information, and the transfer destination needs to input additional information. Determine if it is the transfer destination.

When the transfer destination is a transfer destination that requires input of additional information (S102: YES), the transfer processing device 100 requests the additional information from the user in step S103. Specifically, the transfer processing device 100 may transmit the additional information input screen to the user terminal 50 and have the user input the additional information. On the other hand, when the transfer destination is not a transfer destination that requires input of additional information (S102: NO), the transfer processing device 100 proceeds to step S105.

In step S104, the transfer processing device 100 determines whether the input additional information satisfies the input requirement. Specifically, the transfer processing device 100 refers to the input requirement specification information storing the input requirements specified for each transfer destination that requires the input of the additional information, and the input additional information is the transfer. It may be determined whether the corresponding input requirements are satisfied first. If the input additional information satisfies the input requirement (S104: YES), the transfer processing apparatus 100 may continue the transfer processing in step S105. Specifically, the transfer processing device 100 moves the funds corresponding to the input transfer amount from the user's deposit account to the transfer destination account, notifies the transfer destination of additional information, and ends the transfer process.

On the other hand, when the input additional information does not satisfy the input requirement (S104: NO), the transfer processing device 100 interrupts the transfer processing, notifies the user that there is an input error, and repeats the transfer processing. You may be prompted to do so.

In step S103, the transfer processing device 100 may transmit an additional information input screen having an input area satisfying the specified input requirement to the user terminal 50 and acquire additional information satisfying the input requirement. In this case, the transfer processing device 100 may determine in step S104 that the input requirement is satisfied by acquiring the additional information.

Although the embodiments of the present invention have been described in detail above, the present invention is not limited to the above-mentioned specific embodiments, and various modifications are made within the scope of the gist of the present invention described in the claims.・ Can be changed.

100 Transfer processing device 110 Judgment unit 120 Transfer processing unit

Claims (6)

When a transfer request to a predetermined deposit account is obtained, an additional information is requested to be input, and a determination unit for determining whether the input additional information satisfies the input requirement, and a determination unit.
When it is determined that the additional information satisfies the input requirement, the transfer processing unit that continues the transfer processing and the transfer processing unit.
Transfer processing device with. The transfer processing device according to claim 1, wherein the additional information is information for identifying the transfer processing. The transfer processing device according to claim 1 or 2, wherein the input requirement is preset for the predetermined deposit account. When the determination unit acquires a transfer request from the user to the predetermined deposit account via Internet banking, the determination unit provides an additional information input screen, and whether the additional information input to the additional information input screen satisfies the input requirement. The transfer processing device according to any one of claims 1 to 3 for determination. When the determination unit acquires a transfer request from the user to the predetermined deposit account via Internet banking, the determination unit provides an additional information input screen corresponding to the input requirement, and the additional information input to the additional information input screen is displayed. The transfer processing device according to any one of claims 1 to 3, which determines whether or not the input requirements are satisfied. When you get a transfer request to a given savings account, you will be asked to enter additional information, and
The step of determining whether the input additional information satisfies the input requirement, and
When it is determined that the additional information satisfies the input requirement, the step of continuing the transfer process and
The transfer processing method that the computer performs.

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