JP6321847B1 - Remittance support system, remittance support method, and remittance support program - Google Patents

Abstract

A remittance support system, a remittance support method, and a remittance support program for efficiently acquiring information related to remittance using a standardized format. A management server includes a control unit connected to an international inter-bank communication system and a user terminal, and a remittance destination information storage unit that associates a branch code with a remittance destination account. Then, the control unit 21 acquires the remittance message including the BIC code approved by the International Organization for Standardization, the remittance amount, and the receipt account information in the inter-bank communication system 10 to identify the destination bank. If the branch code is set, the remittance destination account associated with the branch code is acquired from the remittance destination information storage unit 22, and the remittance message receiving account information is sent to the user terminal 30 of the remittance destination account. Provide remittance information including remittance amount. [Selection] Figure 1

Description

  The present invention relates to a remittance support system, a remittance support method, and a remittance support program for efficiently performing remittance using a standardized format.

  Payment instructions addressed to customers from overseas or domestic correspondent banks may be received by remittance telegram (destination remittance). In this case, the remittance amount is deducted from the correspondent account of the remittance bank and deposited into the customer account. In such remittances, remittance messages created using a format standardized by the International Organization for Standardization are received via the International Interbank Financial Tele-communication (SWIFT). (For example, refer nonpatent literature 1).

  As shown in FIG. 5, the remittance telegram used in the international inter-bank communication system includes a field in which information about a BIC code consisting of 11 characters, a remittance amount, a sender, a receiving account, and a receiver is set. In addition, information about the remittance bank reference number and the fee burden classification is also included.

  The BIC code is a financial institution identification code (ISO 9362) approved by the International Organization for Standardization. This BIC code includes a financial institution code (4 characters), an ISO country name abbreviation (2 characters), a location code (2 characters), and a branch code (3 characters). The branch code is arbitrarily assigned, and “XXX” means the head office. A remittance message is transmitted to the remittance bank using the 8 digits of this BIC code (financial institution code, ISO country code, location code).

In the remittance amount information field, information relating to the amount requested for remittance is recorded.
In the sender information field, information related to the name of the sender who requested the transfer (name of the sender) is recorded.

In the receipt account information field, information (branch name, receipt account number) relating to an account for receiving remittance is recorded. The receiving account number includes a store number (3 digits) and an account number (7 digits).
Information related to the name and name of the recipient (financial institution customer) is recorded in the recipient information field.

  When the customer who is the recipient of the remittance receives the remittance arrival guidance from the destination financial institution, the customer pays off the receivable with his / her business partner based on the contents of the remittance message. Here, in order to perform the application correctly, it is necessary to appropriately identify the sender. However, the remittance information field of the remittance message has no description rule and is often described freely. For this reason, it may be difficult to specify the business partner from the sender information of the remittance message.

  Therefore, a technique for specifying a customer from a character string included in a remittance message has been disclosed (see, for example, Patent Document 1). The technique described in this document divides a character string into a plurality of words, compares these words with a name dictionary in which a plurality of words and customer identification information are associated in advance, and tries to identify a customer. To do. When the customer represented by the character string cannot be specified by the information registered in the name dictionary, the operator makes a determination. At this time, the operator's judgment content is learned by the auxiliary dictionary, and the learning result is reflected in the comparison processing from the next time.

  In addition, an information processing apparatus that identifies a remittance source based on a remittance message has been studied (see, for example, Patent Document 1). In the technique described in this document, the receiving unit of the information processing apparatus receives a remittance message including at least one field containing a character string. The first comparison unit compares the contents of the field with the history information in which the contents of the field received in the past are registered for each business partner. When the comparison result in the first comparison unit is inconsistent, the second comparison unit includes at least a character string group obtained by dividing the contents of the field into a plurality of character strings, and a plurality of character strings. Compare with the defined supplier information. When the comparison result in either the first comparison unit or the second comparison unit is the same, the determination unit identifies the business partner as the remittance person.

JP 2006-099346 A JP 2013-134543 A

Mizuho Bank, “Receiving Foreign Remittance (Destination Remittance)”, [online], Mizuho Bank, [Search January 10, 2017], Internet <URL: https://www.mizuhobank.co.jp/tetsuduki /gaikoku_soukin/hishimuke.html>

  However, the technique described in Patent Document 1 requires learning processing. Therefore, it takes time to realize an appropriate determination. Also in the technique described in Patent Document 2, information included in each field of the remittance message is used. Therefore, it is not assumed that the remittance destination is specified using a format standardized by the International Organization for Standardization.

  The present invention has been made to solve the above-described problems, and an object thereof is to provide a remittance support system, a remittance support method, and a remittance support for efficiently acquiring information related to remittance using a standardized format. To provide a program.

  The remittance support system that solves the above problem includes a control unit connected to the international inter-bank communication system and the payee system, and a remittance destination information storage unit that associates the branch code with the remittance destination account. Then, the control unit obtains a remittance message including a financial institution identification code approved by the International Organization for Standardization, a remittance amount, and receiving account information in order to identify a destination bank in the international interbank communication system, If a branch code is set in the financial institution identification code, a remittance destination account associated with the branch code is acquired from the remittance destination information storage unit, and the remittance destination account recipient system is Remittance information including the receipt account information of the remittance message and the remittance amount is provided. Thereby, a remittance destination can be specified using a branch code.

  The remittance support system further includes a remittance related information storage unit that associates the receipt account information and remittance related information, and the control unit uses the remittance related information storage unit to receive the remittance information receiving account. Preferably, remittance related information associated with the information is identified and provided to the recipient system. Thereby, remittance related information can be specified using receipt account information.

  -In the said remittance assistance system, it is preferable that the said remittance related information is information which identifies a remittance person. Thereby, a remittance person can be specified using receipt account information.

  -In the said remittance support system, when the confirmation information about the said remittance information is acquired from the said recipient system, it is preferable to deposit the said remittance amount to the said remittance destination account. As a result, the remittance amount is deposited based on the confirmation of the recipient.

  According to the present invention, information related to remittance can be efficiently obtained using a standardized format.

The system schematic of this embodiment. It is explanatory drawing of the information storage part used in this embodiment, Comprising: (a) is a remittance destination information storage part, (b) is a remittance related information storage part, (c) is explanatory drawing of a reception information storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the remittance message used in an international interbank communication system.

  Hereinafter, an embodiment embodying a remittance support system, a remittance support method, and a remittance support program will be described with reference to FIGS. In the present embodiment, a case will be described in which remittance is performed from an overseas remittance bank to a bank where the customer has an account (destination bank).

As shown in FIG. 1, in this remittance, the international inter-bank communication system 10, the management server 20, and the user terminal 30 are used.
The international inter-bank communication system 10 is a network system managed by SWIFT (The Society for Worldwide Interbank Financial Tele-communication) that provides communication services between financial institutions. In the international inter-bank communication system 10, a remittance message created using a format defined by SWIFT is transmitted. This remittance message is created by the remittance bank and transmitted to the remittance destination management server 20.

  The management server 20 is a computer system that manages the services of the bank where the recipient has opened a receiving account. The management server 20 includes a control unit 21, a remittance destination information storage unit 22, a remittance related information storage unit 23, and a reception information storage unit 24.

  As shown in FIG. 2A, the remittance destination information storage unit 22 records a remittance destination table composed of a remittance destination management record 220 regarding a remittance destination set by a customer who uses this service. This remittance destination management record 220 is recorded when information about a remittance destination account is acquired from a customer. In this remittance destination management record 220, data relating to a branch code, a remittance destination name, and a remittance destination account are recorded.

  In the branch code data area, data related to the branch code given by the bank to the customer is recorded. This branch code is a branch code that is not used in this bank, and is constituted by the number of digits (three digits) of the branch code of the BIC code (financial institution identification code) determined by the standardization organization.

In the remittance destination name data area, data relating to the name of the holder of the customer's account to which the branch code is assigned is recorded.
In the remittance destination data area, data relating to an identifier (store code, account number) for specifying a remittance destination account designated by the customer is recorded.

  As shown in FIG. 2B, the remittance related information storage unit 23 records a remittance table composed of a remittance management record 230 for specifying a remittance person. This remittance management record 230 is recorded when information about a remittance person is acquired from a customer. In this remittance management record 230, data relating to a receiving account identifier and a remittance related identifier are recorded.

In the receipt account identifier data area, data relating to an identifier set in the receipt account information of the remittance message is recorded.
In the remittance related identifier data area, data relating to remittance related information corresponding to the identifier set in the receipt account information is recorded. In the present embodiment, an identifier for identifying a sender (for example, a sender name) is recorded as the remittance related identifier.

  As shown in FIG. 2 (c), in the receipt information storage unit 24, a forex-destination remittance receipt data ledger composed of a receipt management record 240 related to the received remittance message is recorded for the forex-destination remittance. The reception management record 240 is recorded when a remittance message is received via the international interbank communication system 10. The reception management record 240 relates to the arrival date, bank transaction number, remittance amount, remittance bank reference number, sender name, receiving account, remittance account, recipient name, fee burden classification, status, payment result, branch code, and remittance related identifier. Data is recorded.

In the arrival date data area, data related to the date of receipt of the remittance message is recorded.
In the bank transaction number data area, data relating to an identifier assigned in the destination bank is recorded. By using this bank transaction number, each remittance message can be specified.

In the remittance amount data area, data relating to the amount of remittance included in the remittance message is recorded.
In the remittance bank reference number data area, data relating to an identifier (reference number) assigned in the remittance bank is recorded.

In the sender name data area, data relating to an identifier (name) identifying the sender is recorded.
In the receipt account data area, data relating to the account identifier (store code, account number) in the receipt account information field of the remittance message is recorded.

  In the remittance account data area, data relating to the account identifier (store code, account number) of the account to which remittance is deposited is recorded. When the remittance account is specified based on the branch code of the BIC code, the account identifier of the remittance account associated with the branch code is recorded. When the branch code of the BIC code is not used, the account identifier of the receiving account of the remittance message is recorded.

Data related to the name and name of the recipient information of the remittance message is recorded in the recipient name data area.
In the fee burden classification data area, data related to the fee burden classification (the fee bearer) included in the remittance message is recorded.

In the status data area, a flag for specifying the status of the remittance message is recorded.
In the deposit result data area, a flag for specifying the deposit status regarding the remittance message is recorded.

In the branch code data area, data relating to the identifier set in the branch code area of the BIC code is recorded.
In the remittance related identifier data area, data relating to the remittance related identifier (in this embodiment, the name of the remittance person) specified based on the identifier set in the receiving account of the remittance message is recorded.

  As shown in FIG. 1, the control unit 21 includes control means (CPU, RAM, ROM, etc.), and performs processes (each process such as a communication stage, a remittance confirmation stage, and a deposit processing stage) to be described later. By executing the remittance support program for that purpose, the control unit 21 functions as a communication unit 211, a remittance confirmation unit 212, and a deposit processing unit 213.

  The communication unit 211 receives the remittance message from the international inter-bank communication system 10 and executes a process of recording information related to the received remittance message in the foreign exchange destination remittance reception data ledger of the reception information storage unit 24.

The remittance confirmation unit 212 executes processing for confirming the payee and the details of remittance based on the foreign exchange destination remittance reception data ledger.
The deposit processing unit 213 executes processing for depositing a remittance message based on the remittance confirmation result.

  The user terminal 30 is a computer terminal (recipient system) used by a recipient of remittance using the international interbank communication system 10. This user terminal 30 is connected to the management server 20 via a network. The user terminal 30 includes a terminal control unit, an output unit (such as a display device), and an input unit (such as a keyboard and a pointing device). The terminal control unit executes various applications and outputs data (such as a web page) acquired from the management server 20 to the display.

  Furthermore, the user terminal 30 includes a remittance information storage unit 32. This remittance information storage unit 32 stores remittance related information in the same manner as the remittance related information storage unit 23 of the management server 20.

Next, a processing procedure in the money transfer support system will be described with reference to FIGS.
When a sender sends money from an overseas bank (remittance source bank) to a domestic bank, a money transfer message is transmitted via the international inter-bank communication system 10. This remittance message includes a BIC code for designating the remittance bank. In this case, the recipient requests the sender to make the following settings for the remittance message.
・ BIC code sets a branch code to identify the remittance account.
In the receiving account information field, a receiving account identifier corresponding to a remittance related identifier (in this embodiment, an identifier for specifying a sender) is set.

When the remittance message is generated, the international inter-bank communication system 10 transmits the remittance message to the destination bank according to the 8 digits of the BIC code.
And the control part 21 of the management server 20 of the transmission destination bank designated with the BIC code performs the acquisition process of a remittance message (step S1-1). Specifically, the communication unit 211 of the control unit 21 receives a remittance message via the international inter-bank communication system 10.

  Next, the control part 21 of the management server 20 performs the recording process to a foreign exchange destination remittance reception data ledger (step S1-2). Specifically, the communication unit 211 of the control unit 21 generates a reception management record 240 in which a bank transaction number is assigned to the received remittance message and the arrival date (current date) is recorded, and the reception information storage unit 24. Further, the communication unit 211 records the remittance amount, remittance bank reference number, remittance name, receipt account, recipient name, and fee burden classification included in the transmission message in the reception management record 240.

  Next, the control unit 21 of the management server 20 executes branch code acquisition processing (step S1-3). Specifically, the remittance confirmation unit 212 of the control unit 21 extracts the BIC code from the remittance message. Then, the communication unit 211 specifies the first 8 digits of the BIC code consisting of the financial institution code (4 digits), the ISO country code (2 digits), and the location code (2 digits), and continues to the 8 digits. Get branch code by letter.

  Next, the control part 21 of the management server 20 performs the determination process about whether it is a specific branch code (step S1-4). Specifically, the remittance confirmation unit 212 of the control unit 21 determines that the branch code is not a specific branch code if the branch code is not set following the 8 digits of the financial institution code, ISO country code, and location code. To do. Also, if the branch code of the BIC code is not recorded in the remittance destination information storage unit 22, it is determined that the branch code is not a specific branch code. Even when the branch code of the main branch of the original remittance bank such as “XXX” indicating the head office is set, it is determined that the branch code is not a specific branch code.

  When it is determined that the branch code is not a specific branch code (in the case of “NO” in step S1-4), the control unit 21 of the management server 20 executes remittance data provision processing (step S1-5). Specifically, the remittance confirmation unit 212 of the control unit 21 records the account identifier recorded in the receiving account information of the remittance message in the remittance destination account data area of the reception management record 240. Next, the remittance confirmation unit 212 transmits an arrival guide to the user terminal 30 to the holder of the remittance destination account (reception account for remittance telegram) of the reception management record 240. The arrival information includes the sender information of the remittance message. Then, the remittance confirmation unit 212 records the arrival guidance flag in the status data area of the foreign exchange destination remittance reception data ledger in the reception information storage unit 24.

  On the other hand, when the branch code of the BIC code is recorded in the remittance destination information storage unit 22 and is determined to be a specific branch code (in the case of “YES” in step S1-4), the control unit 21 of the management server 20 A remittance destination account information acquisition process is executed according to the branch code (step S1-6). Specifically, the remittance confirmation unit 212 of the control unit 21 acquires the remittance destination management record 220 in which the branch code of the BIC code of the remittance message is recorded from the remittance destination information storage unit 22. Next, the remittance confirmation unit 212 identifies the remittance destination name recorded in the remittance destination management record 220.

  Next, the control part 21 of the management server 20 performs the determination process about whether a name corresponds (step S1-7). Specifically, the remittance confirmation unit 212 of the control unit 21 compares the remittance destination name of the remittance destination management record 220 with the recipient name included in the recipient information of the remittance message. If both match, the names are determined to match. On the other hand, when the remittance destination name in the remittance destination management record 220 and the recipient name included in the recipient information of the remittance message do not match, it is determined that the names do not match.

  When it is determined that the names do not match (in the case of “NO” in step S1-7), the control unit 21 of the management server 20 executes the remittance data providing process as in step S1-5 (step S1-8). ). Also in this case, the arrival guidance is transmitted to the user terminal 30 to the holder of the remittance destination account (reception account for remittance telegram) of the reception management record 240. The arrival information includes the sender information of the remittance message.

  When it is determined that the names match (in the case of “YES” in step S1-7), the control unit 21 of the management server 20 executes remittance destination account recording processing (step S1-9). Specifically, the remittance confirmation unit 212 of the control unit 21 records information on the remittance destination account recorded in the remittance destination management record 220 in the remittance destination account data area of the reception management record 240.

  Next, the control part 21 of the management server 20 performs the determination process about whether there exists registration of remittance related information (step S1-10). Specifically, the remittance confirmation unit 212 of the control unit 21 acquires the receipt account identifier recorded in the receipt account information field of the remittance message. Next, the remittance confirmation unit 212 searches the remittance related information storage unit 23 for the remittance management record 230 in which the receipt account identifier is recorded. If the remittance management record 230 in which the receivable account identifier of the remittance message is recorded can be extracted, it is determined that remittance related information is registered.

  If it is determined that remittance related information is registered ("YES" in step S1-10), the control unit 21 of the management server 20 executes remittance related information recording processing (step S1-11). Specifically, the remittance confirmation unit 212 of the control unit 21 records the remittance related identifier recorded in the remittance management record 230 in the remittance related identifier data area of the reception management record 240.

  On the other hand, when it is determined that remittance related information is not registered (in the case of “NO” in step S1-10), the control unit 21 of the management server 20 skips the remittance related information recording process (step S1-11). .

  Next, the control unit 21 of the management server 20 executes remittance data provision processing (step S1-12). Specifically, the remittance confirmation unit 212 of the control unit 21 arrives at the user terminal 30 with respect to the holder of the remittance account in the reception management record 240 (the remittance destination account specified based on the branch code of the BIC code). Send an invitation. This arrival guide includes remittance related information (sender information). Then, the remittance confirmation unit 212 records the arrival guidance flag in the status data area of the foreign exchange destination remittance reception data ledger in the reception information storage unit 24.

  Next, as shown in FIG. 4, the user terminal 30 executes an arrival guidance acquisition process (step S2-1). Specifically, the recipient who has received the arrival guidance accesses the management server 20 using the user terminal 30. In this case, the remittance confirmation unit 212 of the control unit 21 of the management server 20 identifies the recipient by login authentication.

  Then, an arrival confirmation screen is output to the user terminal 30 of the recipient. On this arrival confirmation screen, a reception management record 240 relating to remittance recorded in the foreign exchange destination reception data ledger recorded in the reception information storage unit 24 is displayed.

  Next, the user terminal 30 executes a determination process as to whether or not the remittance related information has been acquired (step S2-2). Specifically, the user terminal 30 confirms whether or not remittance related information is included in the arrival confirmation screen. When the remittance related information is included in the arrival confirmation screen, it is determined that the remittance related information has been acquired.

  If it is determined that the remittance related information has not been acquired (“NO” in step S2-2), the user terminal 30 executes a remittance related information display process (step S2-3). Specifically, the user terminal 30 identifies the remittance related information recorded in the remittance information storage unit 32 based on the receipt account information of the remittance message, and displays it on the output unit.

  On the other hand, when it is determined that the remittance related information has been acquired (“YES” in step S2-2), the user terminal 30 skips the remittance related information display process (step S2-3).

  Next, the user terminal 30 executes a recipient confirmation information providing process (step S2-4). Specifically, the recipient inputs the identity confirmation information of the recipient on the arrival confirmation screen of the user terminal 30 based on the foreign exchange method. Then, a payment request button on the arrival confirmation screen is selected. In this case, the user terminal 30 transmits a deposit request to the management server 20.

  And the control part 21 of the management server 20 performs the acquisition process of recipient confirmation information (step S3-1). Specifically, the remittance confirmation unit 212 of the control unit 21 performs identity verification based on the recipient confirmation information, and sets a confirmed flag in the status data area of the foreign exchange destination remittance reception data ledger in the reception information storage unit 24. Record.

  Next, the control part 21 of the management server 20 performs a payment process (step S3-2). Specifically, the deposit processing unit 213 of the control unit 21 deposits the remittance amount to the remittance destination account recorded in the reception management record 240.

According to this embodiment, the following effects can be obtained.
(1) In this embodiment, the remittance destination information storage unit 22 records a remittance destination table composed of a remittance destination management record 220 relating to a remittance destination set by a customer who uses this service. And the control part 21 of the management server 20 performs the determination process about whether it is a specific branch code (step S1-4). When it is determined that the branch code is a specific branch code (in the case of “YES” in step S1-4), the control unit 21 of the management server 20 executes an acquisition process of remittance account information according to the branch code (step S1-6). ). As a result, the remittance destination account can be specified using the branch code included in the BIC code.

  (2) In this embodiment, the control part 21 of the management server 20 performs the determination process about whether a name corresponds (step S1-7). When it is determined that the names do not match (in the case of “NO” in step S1-7), the control unit 21 of the management server 20 executes remittance data provision processing (step S1-8). Accordingly, the remittance destination account can be confirmed using the remittance destination name of the remittance destination management record 220 and the recipient name included in the recipient information of the remittance message.

  (3) In the present embodiment, the remittance related information storage unit 23 records a remittance table configured from a remittance management record 230 for specifying a remittance person. And the control part 21 of the management server 20 performs the determination process about whether there exists registration of remittance related information (step S1-10). If it is determined that remittance related information is registered ("YES" in step S1-10), the control unit 21 of the management server 20 executes remittance related information recording processing (step S1-11). Thereby, the remittance related information regarding remittance can be acquired using the information in which the receiving account information field of the transmission message is recorded.

  (4) In this embodiment, when it is determined that the remittance related information has not been acquired (“NO” in step S2-2), the user terminal 30 executes a remittance related information display process (step S2- 3). Thereby, remittance related information that could not be specified in the management server 20 can be acquired in the user terminal 30.

In addition, you may change the said embodiment as follows.
In the above-described embodiment, the remittance related information storage unit 23 records a remittance table configured from a remittance management record 230 for specifying remittance related information. In this remittance management record 230, data relating to a receiving account and a remittance related identifier are recorded. As the remittance related identifier, for example, an identifier for identifying the remittance person is used. The remittance related identifier is not limited to an identifier for identifying a remittance person. For example, an identifier for specifying a purpose of remittance, an application number, a transaction type, transaction content, or the like may be used.

  In the above embodiment, when it is determined that the names do not match (in the case of “NO” in step S1-7), the control unit 21 of the management server 20 executes the remittance data providing process (step S1-8). In this case, the control unit 21 of the management server 20 may confirm the remittance content to the remittance source bank using the remittance bank reference number. Thereby, the recipient can confirm using the information after confirmation.

  In the above embodiment, the control unit 21 of the management server 20 executes a determination process as to whether or not remittance related information is registered (step S1-10). Moreover, the user terminal 30 performs the determination process about whether remittance related information has been acquired (step S2-2). These processes may be executed by either the management server 20 or the user terminal 30.

  DESCRIPTION OF SYMBOLS 10 ... International interbank communication system, 20 ... Management server, 21 ... Control part, 22 ... Remittance destination information storage part, 23 ... Remittance related information storage part, 24 ... Reception information storage part, 30 ... User terminal, 32 ... Remittance information Memory part.

Claims (6)

A control unit connected to the international inter-bank communication system and the payee system;
A remittance support system comprising a remittance destination information storage unit that associates a branch code, a remittance destination account, and a remittance destination name ,
The control unit is
In the international inter-bank communication system, in order to identify the destination bank, obtain a remittance message including a financial institution identification code and remittance amount approved by the International Organization for Standardization, receivable account information , recipient name ,
When a branch code is set in the financial institution identification code, a remittance destination account and a remittance name associated with the branch code are acquired from the remittance destination information storage unit,
Receiving account information of the remittance message, remittance amount, and remittance destination for the remittance account payee system on condition that the remittance message recipient name matches the remittance destination name associated with the branch code. A remittance support system , which provides remittance information including an account and executes a deposit process to the remittance account when receiving recipient confirmation information from the recipient system. A remittance related information storage unit associating the receipt account information with remittance related information;
2. The control unit specifies remittance related information associated with receipt account information of the remittance information using the remittance related information storage unit, and provides the remittance related information to the payee system. Remittance support system described in.   The remittance support system according to claim 2, wherein the remittance related information is information for specifying a remittance person.   The remittance support according to any one of claims 1 to 3, wherein when the confirmation information about the remittance information is acquired from the recipient system, the remittance amount is deposited in the remittance destination account. system. A control unit connected to the international inter-bank communication system and the payee system;
A method for supporting remittance using a remittance support system including a remittance destination information storage unit that associates a branch code, a remittance destination account, and a remittance destination name ,
The control unit is
In the international inter-bank communication system, in order to identify the destination bank, obtain a remittance message including a financial institution identification code and remittance amount approved by the International Organization for Standardization, receivable account information , recipient name ,
When a branch code is set in the financial institution identification code, a remittance destination account and a remittance name associated with the branch code are acquired from the remittance destination information storage unit,
The condition is that the recipient name of the remittance message matches the remittance destination name associated with the branch code.
In this case, the remittance account information is provided to the receiver system of the remittance account , including remittance information including the remittance message, remittance amount and remittance account , and the recipient confirmation information is acquired from the recipient system. In this case, a remittance support method , wherein a deposit process to the remittance destination account is executed . A control unit connected to the international inter-bank communication system and the payee system;
A program for supporting remittance using a remittance support system including a remittance destination information storage unit that associates a branch code, a remittance destination account, and a remittance destination name ,
The control unit
In the international inter-bank communication system, in order to identify the destination bank, obtain a remittance message including a financial institution identification code and remittance amount approved by the International Organization for Standardization, receivable account information , recipient name ,
When a branch code is set in the financial institution identification code, a remittance destination account and a remittance name associated with the branch code are acquired from the remittance destination information storage unit,
Receiving account information of the remittance message, remittance amount, and remittance destination for the remittance account payee system on condition that the remittance message recipient name matches the remittance destination name associated with the branch code. A remittance support program that provides remittance information including an account and functions as means for executing a deposit process to the remittance destination account when the recipient confirmation information is acquired from the recipient system .

Images