JP7107743B2 - Information processing system, information processing method and program - Google Patents

Description

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

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

Japanese Unexamined Patent Application Publication No. 2011-34298

In paperwork for overseas remittances, it is necessary not only to enter the necessary information, but also to check whether there is any illegality in the remittance destination, remittance purpose, etc.
However, at present, checking of the contents of deposits in foreign remittances is performed manually. For this reason, work in the overseas remittance business is still complicated. Also, for example, if the recipient of the remittance is a foreigner and the recipient's name is in a foreign language, there is a possibility that the check may be omitted.

The information processing system of the present invention comprises first registration means for registering confirmation information on foreign remittances, acceptance means for accepting foreign remittance information on foreign remittances, and second registration means for registering confirmation unnecessary information on foreign remittances. , the foreign remittance information based on the degree of similarity between a character string included in the foreign remittance information received by the receiving means and a character string included in the confirmation information registered by the first registration means; determining means for determining whether or not there is a character string identical or similar to the character string included in the confirmation information in the character string included in the confirmation information, wherein the confirmation information is the first wherein the determining means determines a character string excluding the character string included in the confirmation unnecessary information among the character strings of the recipient name included in the foreign remittance information, and the character string included in the first confirmation information The character string included in the first confirmation information among the character strings included in the foreign remittance information based on the degree of similarity between the character string excluding the character string included in the confirmation unnecessary information Determines whether there is a character string that is the same as or similar to .

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

FIG. 1 is a diagram showing an example of the system configuration of a foreign remittance system. FIG. 2 is a diagram illustrating an example of a hardware configuration of an information processing apparatus; FIG. 3 is a sequence diagram showing an example of information processing in the foreign remittance system. FIG. 4 is a diagram showing an example of a blacklist. FIG. 5 is a diagram for explaining the process of determining the degree of similarity between character strings using the Levenshtein distance. FIG. 6 is a conceptual diagram in which remittance destinations with a degree of similarity of 70% or more are stored in a predetermined memory as blacklist matching candidates. FIG. 7 is a diagram showing an example of a whitelist. FIG. 8 is a diagram for explaining the process of removing character strings included in the whitelist and determining the degree of similarity between character strings. FIG. 9 is a diagram showing an example in which a blacklist and date/time information when similarity determination using the blacklist is performed are associated and stored as history information in a predetermined memory.

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings.

<Embodiment 1>
(System configuration of foreign remittance system)
FIG. 1 is a diagram showing an example of the system configuration of a foreign remittance system.
In the foreign remittance system, a business corporation PC 10, an information processing device 20, and a financial institution PC 30 are connected via a network such as the Internet or a dedicated line. The business corporation PC 10 is a PC (Personal Computer) of the business corporation that requests foreign remittance and approves the request. The financial institution PC 30 is a PC of a financial institution that performs foreign remittance. The information processing device 20 receives and registers a blacklist and a restricted goods checklist, which will be described later, from the financial institution PC 30 . The information processing device 20 also receives a foreign remittance request form from the corporate PC 10 . Then, the information processing device 20 determines whether or not there is a character string identical or similar to a character string included in the registered blacklist or restricted goods checklist among the character strings included in the received foreign remittance request form. or not, and outputs information based on the determination result. Information based on the determination result includes not only whether or not there is an identical/similar character string, but also information including, for example, the degree of similarity of the identical/similar character string, the order of similarity, and the like. The information processing device 20 is an example of a computer.
Note that the system configuration shown in FIG. 1 is merely an example, and the corporate PC 10 may be an information processing terminal such as a personal customer's PC. The information processing device 20 may be managed by a third party other than the financial institution and used by the financial institution, or may be managed by each financial institution.
By adopting such a configuration, it is possible to further reduce the burden of paperwork for foreign remittances and improve the accuracy of checking the input contents.

(Hardware configuration of information processing device)
FIG. 2 is a diagram showing an example of the hardware configuration of the information processing device 20. As shown in FIG.
The information processing device 20 includes a CPU 21, a memory 22, and a communication section 23 as a hardware configuration. The CPU 21 controls the entire information processing device 20 . The memory 22 stores programs, data used when the CPU 21 executes processes based on the programs, and the like. The communication unit 23 connects the information processing device 20 to a network and controls communication with other systems and devices. The functions of the information processing apparatus 20 are realized by the CPU 21 executing processes based on the programs stored in the memory 22 . Here, the business corporation PC 10 and financial institution PC 30 also have the same configuration as in FIG. However, the business corporation PC 10 and the financial institution PC 30 have an input device, a display device, etc. in addition to the configuration shown in FIG.
Here, in FIGS. 1 and 2, for the sake of simplification of explanation, the business corporation PC 10, the information processing device 20, and the financial institution PC 30 are each configured as a single device (PC). may be configured as a system consisting of the following devices.
In the following, the explanation will be given assuming that each of them is configured as a system. That is, the business corporation system 15 shown below is composed of a plurality of business corporation PCs 10 . Further, the information processing system 25 is composed of a plurality of information processing apparatuses 20 . Also, the financial institution system 35 is composed of a plurality of financial institution PCs 30 .
When the information processing system 25 is composed of a plurality of information processing apparatuses 20, the functions of the information processing system 25 are realized by executing processes based on programs stored in one or more memories by a plurality of CPUs. be. It may also be configured as a cloud type system.

(Information processing in the foreign remittance system)
FIG. 3 is a sequence diagram showing an example of information processing in the foreign remittance system. In the example of FIG. 3, one business corporation system 15 and one financial institution system 35 are connected to the information processing system 25, but a plurality of business corporation systems 15 and financial institution systems 35 are connected to the information processing system 25. Connected.
In SQ10, the financial institution system 35 transmits the blacklist to the information processing system 25. Here, the blacklist is a list of inappropriate remittance destinations (recipient names) set by each financial institution. FIG. 4 shows an example of the blacklist. A blacklist is an example of first confirmation information regarding a foreign remittance destination.
Upon receiving the blacklist, in SQ11, the information processing system 25 registers the blacklist in a predetermined memory for each financial institution identified by the financial institution system 35 that has transmitted the blacklist. That is, the information processing system 25 registers the blacklist in a predetermined memory in association with the identification information that identifies the financial institution. The information processing system 25 is provided with a dedicated environment for each financial institution. configuration is assumed.
In SQ12, the financial institution system 35 transmits the restricted goods checklist to the information processing system 25. FIG. Here, the regulated product checklist is a list of regulated products set by each financial institution. The restricted goods checklist is an example of second confirmation information other than the recipient name. However, in this embodiment, as confirmation information, a blacklist and a checklist of restricted items will be described as examples, but they are not limited to these, and other information may be used as long as it is information that requires confirmation regarding overseas remittance. .
Upon receiving the regulated goods checklist, in SQ13, the information processing system 25 registers the regulated goods checklist in a predetermined memory for each financial institution of the financial institution system 35 that has transmitted the regulated goods checklist. That is, the information processing system 25 registers the regulated product checklist in a predetermined memory in association with the identification information that identifies the financial institution.
Here, the order of transmission and registration of the blacklist and the restricted article checklist may be reversed or may be performed at the same time.
In addition, the processing of SQ10 to SQ13 is not executed every time a series of foreign remittances are processed, but is executed at the timing when the blacklist and the check list of restricted items are updated, and the processing after SQ14 is This is done using the latest blacklist. The blacklist and the restricted items checklist are updated at predetermined timings, and the blacklist at each point in time is saved as a history together with version information.

In SQ14, the corporate system 15 transmits to the information processing system 25 a request for foreign remittance specifying the financial institution to be used for the foreign remittance.
Upon receiving the request for foreign remittance, in SQ15, the information processing system 25 receives the identification information for identifying the request for foreign remittance, the identification information for identifying the designated financial institution, and the foreign remittance request included in the request for foreign remittance. is registered in a predetermined memory in association with the document. Here, the foreign remittance request form includes information such as the remittance amount, requester, remittance destination, and remittance purpose. The foreign remittance request form is an example of foreign remittance information related to foreign remittance. The process of receiving a request for foreign remittance is an example of a reception process of accepting foreign remittance information related to foreign remittance.
In response to the operation of the user authorized to approve the request for foreign remittance, in SQ16 the corporate system 15 transmits a request approval including identification information for identifying the request for foreign remittance to the information processing system 25 .

Upon receiving the request approval, in SQ17, the information processing system 25 identifies the foreign remittance request form from the memory based on the identification information that identifies the foreign remittance request. In addition, based on the identification information for identifying the specified financial institution registered in association with the foreign remittance request form, the information processing system 25, from the memory, registers by the financial institution identified by the identification information for identifying the financial institution. Identify blacklists and controlled items checklists. Then, the information processing system 25 executes screening based on the specified foreign remittance request form, blacklist and regulated item checklist.
That is, the information processing system 25 determines whether or not there is a character string identical or similar to a character string included in the specified blacklist among the character strings included in the specified foreign remittance request form. In addition, the information processing system 25 determines whether or not there is a character string identical or similar to a character string included in the specified regulated item checklist among the character strings included in the specified foreign remittance request form.
More specifically, the information processing system 25 extracts the character strings included in the foreign remittance request based on the degree of similarity between the character strings of the recipient names included in the foreign remittance request and the character strings included in the blacklist. determines whether or not there is a character string identical or similar to a character string included in the blacklist. Here, the information processing system 25 uses the Levenshtein distance to determine the degree of similarity between character strings. The Levenshtein distance is calculated using, for example, a dynamic programming algorithm, and is a value that indicates how many times a character string needs to be edited to become the same character string.

FIG. 5 is a diagram for explaining the process of determining the degree of similarity between character strings using the Levenshtein distance.
The character string on the left side of FIG. 5 is the character string of the recipient name (remittee) included in the foreign remittance request form, and the character string on the right side of FIG. 5 is the character string included in the blacklist. When editing the character string "Oq prsu" on the left side of FIG. 5 to the character string "Op qrstu" on the right side of FIG. The third letter q is replaced with p. In this case, the distance is 2. In the example of FIG. 5, the information processing system 25 determines the similarity to be 5/7=approximately 71% because the length of the character string is 7 characters and 5 of the 7 characters do not need to be edited.
Based on the degree of similarity, it is determined whether or not there is a character string identical or similar to a character string included in the blacklist among the character strings included in the foreign remittance request form, as shown in FIG. , even if the character string of the recipient name (remittance destination) is different from the character string registered in the blacklist due to misspelling, it is possible to find suspicious remittance destinations without overlooking them.
In addition, the information processing system 25 also includes the recipient country name, the recipient head office country name, the recipient address, the name of the recipient bank, the name of the transit bank, the place of origin, the place of shipment, the destination of the cargo, and the contents of the remittance (specifically purpose), etc. (hereinafter referred to as address, purpose of remittance, etc.) and the character string included in the checklist of controlled goods, based on the stem match, determines whether or not there is a character string included in the regulated goods checklist. The information processing system 25, based on at least one of prefix match, suffix match, and partial match as the stem match, the character string included in the foreign remittance request form is included in the restricted goods checklist. Determine if the string exists.

All character strings included in the foreign remittance request form may be judged based on similarity, but judgment based on similarity requires more processing power such as CPU than judgment based on stem matching, and processing takes time. need. In particular, the address, the purpose of remittance, and the like are long as character strings, and it takes time to calculate the degree of similarity. Also, for example, even if you want to check whether a character string representing a specific country name is included, the address item of the foreign remittance request form is a series of characters of the entire address including prefectures, cities, towns, etc. other than the country name. When configured as a column, the similarity is calculated between the country name to be checked and the entire address in one item of the foreign remittance request form, so it may be difficult to make a judgment based on the similarity. Therefore, in this embodiment, the foreign remittance destination is determined based on similarity, and the address, remittance purpose, etc. are determined based on stem matching. However, the information processing system 25 may perform similarity determination for all items (foreign remittance destination, remittance purpose, etc.) in response to a request from the financial institution system 35 . Further, the information processing system 25, for example, in response to a request from the financial institution system 35, sets a character string or an item to be judged based on the degree of similarity among the character strings included in the foreign remittance request form. can be Then, the information processing system 25 determines the similarity between the set character string or item character string included in the foreign remittance request form and the character string included in the list registered from the financial institution system 35. Based on the frequency, it may be determined whether or not there is a character string identical or similar to a character string included in the list among the character strings included in the foreign remittance request form.

In SQ18 of FIG. 3, the information processing system 25 outputs the determination result. For example, the information processing system 25 stores, among the remittance destinations included in the blacklist, remittance destinations with a degree of similarity equal to or greater than a threshold (for example, 70%) as candidates matching the blacklist in, for example, a predetermined memory. FIG. 6 is a conceptual diagram in which remittance destinations with a degree of similarity of 70% or more are stored in a predetermined memory as blacklist matching candidates.
Here, the information processing system 25 may change the similarity threshold in response to a request from the financial institution system 35, or only the character string of the recipient name (remittee) with the highest similarity , or 10 with the highest degree of similarity may be output as blacklist matching candidates.
In SQ19, the financial institution system 35 transmits a screening result inquiry request to the information processing system 25. FIG.
Upon receiving the screening result inquiry request, the information processing system 25 generates a screen or the like including the determination result stored in the memory or the like and displays it on the web browser or the like of the financial institution system 35 in SQ20.
In addition, in SQ21, the financial institution system 35 transmits a screening result output request to the information processing system 25. FIG.
Upon receiving the screening result output request, the information processing system 25 generates a file containing the judgment results stored in the memory or the like and transmits the file to the financial institution system 35 in SQ22.
The order of SQ19 and SQ21 may be reversed.

The person in charge of the financial institution system 35 looks at the judgment result sent as a screen or a file, and confirms whether it is an appropriate destination, an appropriate remittance purpose, and the like. If the destination or purpose of the remittance is not appropriate, the financial institution system 35 notifies the corporate system 15 that requested the foreign remittance via the information processing system 25 of the cause, etc., and requests corrections, etc. do. In the case of a suitable destination and a suitable remittance purpose, the financial institution system 35 instructs the information processing system 25 to execute the foreign remittance. Upon receiving the instruction, the information processing system 25 performs processing related to the execution of the foreign remittance based on the contents of the foreign remittance request form.
According to the processing of the present embodiment, it is possible to further reduce the burden of paperwork for foreign remittances and improve the accuracy of checking the input contents.

<Embodiment 2>
The information processing system 25 may register, in response to a request from the financial institution system 35, a whitelist that does not need to be taken into consideration in determining the degree of similarity. FIG. 7 is a diagram showing an example of a whitelist. A whitelist is an example of information that does not require confirmation.
Then, for example, the information processing system 25 extracts the character strings of the recipient name included in the foreign remittance request form excluding the character strings included in the whitelist and the character strings included in the blacklist and the whitelist. Based on the degree of similarity with the character strings excluding the character strings that are included in the blacklist .
FIG. 8 is a diagram for explaining the process of removing character strings included in the whitelist and determining the degree of similarity between character strings. The character string on the left side of FIG. 8 is the character string of the recipient name (remittee) included in the foreign remittance request form, and the character string on the right side of FIG. 8 is the character string included in the blacklist. For example, "BANK" is a character string registered in the whitelist. In addition, for example, "Inc." is registered in the whitelist.
"BBC XZZ BANK" is supposed to be an appropriate remittance destination.
If the information processing system 25 calculates the degree of similarity without removing "BANK", two characters must be exchanged between "BBC XZZ BANK" and "ABC XYZ BANK". Since the height is 10, the similarity is 8/10=80%. Thus, if the threshold were set to 70%, "BBC XZZ BANK" would be a blacklist match candidate. However, when the information processing system 25 removes "BANK" and calculates the degree of similarity, the degree of similarity is 4/6=approximately 67%. Therefore, if the threshold were set to 70%, "BBC XZZ BANK" would not be a blacklist match candidate.
Check accuracy can be improved by removing characters registered in the whitelist and judging the degree of similarity between character strings.

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

(Modification 2)
The information processing system 25 checks whether or not there is a character string identical or similar to a character string included in a registered blacklist or a checklist of restricted items among the character strings included in the received foreign remittance request form. The blacklist and the restricted article checklist used for the determination may be associated with the date and time information and stored as history information in a predetermined memory.
FIG. 9 is a diagram showing an example in which a blacklist and date and time information when similarity determination using the blacklist is performed are associated and stored as history information in a predetermined memory.
As shown in FIG. 9, by retaining history information, even if money is remitted to an inappropriate remittance destination, it is possible to determine whether the remittance destination was not registered in the blacklist in the first place. , it becomes possible to grasp the cause later.

Although an example of the embodiment of the present invention has been described in detail above, the present invention is not limited to such a specific embodiment.

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

21 CPUs
25 Information processing system

Claims (11)

a first registration means for registering confirmation information regarding foreign remittance;
a receiving means for receiving foreign remittance information related to foreign remittance;
a second registration means for registering non-confirmation information regarding foreign remittance;
Based on the degree of similarity between the character string included in the foreign remittance information received by the receiving means and the character string included in the confirmation information registered by the first registration means, the foreign remittance information determination means for determining whether or not there is a character string identical or similar to a character string included in the confirmation information among the included character strings;
has
The confirmation information is first confirmation information related to a foreign remittance destination,
The determination means determines a character string of the recipient name included in the foreign remittance information, excluding the character string included in the confirmation unnecessary information, and a character string included in the first confirmation information. Characters identical or similar to the character string included in the first confirmation information in the character string included in the foreign remittance information based on the degree of similarity between the character string excluding the character string included in the unnecessary information determine if there is a column,
Information processing system. further comprising setting means for setting a character string to be judged among the character strings included in the foreign remittance information;
The judging means determines the character string included in the foreign remittance information based on the degree of similarity between the character string set by the setting means and the character string included in the confirmation information. 2. The information processing system according to claim 1 , wherein it is determined whether or not there is a character string identical or similar to a character string included in said confirmation information among the character strings included in said confirmation information. The confirmation information is first confirmation information about a recipient name and second confirmation information about a controlled item ,
The judging means determines, based on the degree of similarity between the character string of the recipient name included in the foreign remittance information and the character string included in the first confirmation information, whether the character string included in the foreign remittance information includes the Determining whether there is a character string identical or similar to the character string included in the first confirmation information, and comparing the character string included in the items other than the recipient name of the foreign remittance information and the second confirmation information A request to determine whether or not there is a character string included in the second confirmation information among the character strings included in items other than the beneficiary name of the foreign remittance information based on stem matching with the included character string. Item 1. The information processing system according to item 1. 4. The information processing system according to any one of claims 1 to 3 , wherein said judging means judges the degree of similarity between character strings using Levenshtein distance. The judging means determines whether a character string included in the foreign remittance information is included in the second confirmation information based on at least one of prefix match, suffix match, and partial match as the stem match. 4. The information processing system according to claim 3 , wherein it is determined whether or not there is a character string that can be 6. A memory according to any one of claims 1 to 5 , further comprising storage means for associating date and time information on which the judgment was made by the judgment means with the confirmation information used in the judgment by the judgment means, and storing the history information in a memory. information processing system. 7. The information processing system according to any one of claims 1 to 6 , further comprising output means for outputting information based on the determination result of said determination means. The first registration means registers confirmation information regarding foreign remittance for each financial institution in response to a request from the financial institution system,
The receiving means receives foreign remittance information related to foreign remittance specifying a financial institution,
The judging means confirms the foreign remittance of the specified financial institution among the confirmation information registered by the first registration means in the character string included in the foreign remittance information received by the accepting means. 8. The information processing system according to any one of claims 1 to 7 , wherein it is determined whether or not there is a character string identical or similar to a character string included in information. An information processing method executed by an information processing system,
a first registration step of registering confirmation information regarding the foreign remittance;
a reception process for receiving foreign remittance information related to foreign remittance;
a second registration step of registering non-confirmation information regarding foreign remittance;
Based on the degree of similarity between the character string included in the foreign remittance information received in the receiving step and the character string included in the confirmation information registered in the first registration step, the foreign remittance information a determination step of determining whether or not there is a character string identical or similar to the character string included in the confirmation information among the included character strings;
including
The confirmation information is first confirmation information related to a foreign remittance destination,
The determination step includes character strings of the recipient name included in the foreign remittance information excluding character strings included in the confirmation unnecessary information, and character strings included in the first confirmation information. Characters identical or similar to the character string included in the first confirmation information in the character string included in the foreign remittance information based on the degree of similarity between the character string excluding the character string included in the unnecessary information determine if there is a column,
Information processing methods. A program for causing a computer to function as each means of the information processing system according to any one of claims 1 to 8 . the computer,
Based on the degree of similarity between the character string included in the foreign remittance information about the accepted foreign remittance and the character string included in the registered confirmation information about the foreign remittance, the character string included in the foreign remittance information A program for functioning as determination means for determining whether or not there is a character string identical or similar to a character string included in the registered confirmation information ,
The confirmation information is first confirmation information related to a foreign remittance destination,
The determining means determines a character string excluding a character string included in the registered information on the foreign remittance that does not require confirmation from among the character strings of the recipient name included in the foreign remittance information, and the character string included in the first confirmation information. The character string included in the first confirmation information among the character strings included in the foreign remittance information based on the degree of similarity between the character string excluding the character string included in the confirmation unnecessary information Determine whether there is a string identical or similar to
program .

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