JP7220038B2 - Transaction information monitoring method and transaction information monitoring system - Google Patents

Description

The present invention relates to a transaction information monitoring method and a transaction information monitoring system.

Crime using financial institutions such as banks, especially money laundering, has become a social problem. Money laundering is a method of concealing the source and holder of funds by making the evidence unclear by transferring funds acquired using illegal means through multiple bank accounts. Money laundering causes a large amount of damage, and each financial institution is promoting measures against money laundering (anti-money laundering). Non-Patent Document 1 and Non-Patent Document 2 disclose anti-money laundering. As an anti-money laundering technique, for example, suspicious information and data are monitored and extracted from transaction information in financial institutions.

Current status and issues of anti-money laundering measures in financial institutions (HYPERLINK "http://www.ginkouin.com/columns/aml/index.html" ) Overview of the Criminal Proceeds Prevention Act (https://www.npa.go.jp/sosikihanzai/jafic/hourei/data/hougaiyou20161001.pdf)

On the other hand, when acquiring transaction data for monitoring, conventionally, a series of operations from classifying transaction information to editing items was performed using a fixed database language. However, transaction information in financial institutions includes information on a vast variety of transaction types, including foreign exchange information, loan information, and deposit/withdrawal information. Such information has various forms due to the relationship of handling, and it is difficult to unify them. Therefore, among all transaction information, information that is not classified into preset transaction types is filtered as non-transaction information. However, it is difficult to reacquire information that has been excluded from trading, and even if it contains important information, it cannot be monitored, and there is a risk that monitoring will be insufficient.

In view of such problems, one of the objects of the present invention is to easily reacquire transaction information that has been excluded from the monitoring target, and to perform highly reliable monitoring of the transaction information.

According to one embodiment of the present invention, there is provided a method for monitoring transaction information, comprising: aggregating acquired transaction data; classifying the aggregated transaction data into monitored data or non-monitored data based on predetermined classification criteria; A method is provided for classifying and accumulating, outputting information corresponding to non-target data to an external device, and reclassifying any of the non-target data as monitoring target data based on information input from the external device. .

In the above method, the monitoring target data may be checked against predetermined monitoring conditions and extracted when the monitoring conditions are met.

In the above method, the monitoring target data is provided with first identification information, the first monitoring target data obtained by classifying the transaction data based on a predetermined condition, and the second identification information different from the first identification information. and second monitoring target data classified from the non-target data and assigned with third identification information different from the first identification information and the second identification information.

In the above method, the first identification information, the second identification information and the third identification information may each contain different classification codes.

In the above method, the non-target data may include blank classification codes.

In the above method, outputting information corresponding to the non-target data to the external device may be outputting information added to the non-target data together with the non-target data.

In the above method, outputting the information corresponding to the non-target data to the external device may be transmitting a signal for displaying the information corresponding to the non-target data in a list format.

In the above method, guidance information is output when a predetermined period of time has elapsed, and when start information for classifying non-target data in the output guidance information as the second monitoring target data is input, target Information corresponding to external data may be output to an external device.

In the above method, guidance information is output when a predetermined number of accumulated transaction data is reached, and start information is input for classifying non-target data into the second monitoring target data for the output guidance information. When received, information corresponding to the non-target data may be output to the external device.

According to one embodiment of the present invention, a transaction data aggregating unit that acquires transaction data and aggregating the acquired transaction data; a first transaction data classification unit that classifies into data; an accumulation unit that accumulates the first monitoring target data and non-target data; and outputs the non-target data to an external device, and selects based on information input from the external device. a transaction information monitoring system including a second transaction data classification unit that classifies any of the non-target data as second monitoring target data, and an extraction unit that extracts the first monitoring target data and the second monitoring target data provided.

The transaction information monitoring system may include a monitoring unit that compares the first monitoring target data and the second monitoring target data with predetermined monitoring conditions and extracts data that matches the monitoring conditions.

In the transaction information monitoring system, first identification information is assigned to the first monitoring target data, second identification information different from the first identification information is assigned to non-target data, and second monitoring target data is assigned may be given third identification information different from the first identification information and the second identification information.

In the above transaction information monitoring system, the first identification information, the second identification information and the third identification information may each contain different classification codes.

In the transaction information monitoring system described above, the non-target data may include a blank classification code.

In the transaction information monitoring system described above, the information corresponding to the non-target data may include non-target data and information added to the non-target data.

In the transaction information monitoring system described above, the second transaction data classification unit may transmit a signal for displaying information corresponding to non-target data in a list format.

In the transaction information monitoring system, including a guidance unit that outputs guidance information to the outside when a predetermined time has passed, and starting to classify non-target data for the output guidance information as second monitoring target data When the information is input, the second transaction data classification unit may output information corresponding to the non-target data to the external device.

In the transaction information monitoring system, when a predetermined number of accumulated transaction data is reached, start information is input for classifying non-target data into the second monitoring target data for the output guidance information. Sometimes, the second transaction data classification unit may output information corresponding to non-target data to the external device.

ADVANTAGE OF THE INVENTION According to this invention, one of the objects of this invention is to be able to easily reacquire transaction information that has been excluded from the monitoring target, and to perform highly reliable monitoring of the transaction information.

It is a figure which shows the structure of hardware and a functional block in the transaction information monitoring system which concerns on 1st Embodiment of this invention. It is a functional block diagram of the transaction information monitoring control part which concerns on 1st Embodiment of this invention. It is a flow chart of the 1st transaction information monitoring control processing concerning a 1st embodiment of the present invention. FIG. 10 is a flowchart of first transaction data classification processing in first transaction information monitoring control processing according to the first embodiment of the present invention; It is an example of a user interface in the first transaction data classification process according to the first embodiment of the present invention. It is an example of a user interface in the first transaction data classification process according to the first embodiment of the present invention. It is a flow chart of the 2nd transaction information monitoring control processing concerning a 1st embodiment of the present invention. FIG. 10 is a flowchart of second transaction data classification processing in second transaction information monitoring control processing according to the first embodiment of the present invention; It is an example of a user interface in the second transaction data classification process according to the first embodiment of the present invention. It is an example of a user interface in the second transaction data classification process according to the first embodiment of the present invention. It is a flow chart of the 3rd transaction information monitoring control processing concerning a 1st embodiment of the present invention. It is a functional block diagram of the transaction information monitoring control part which concerns on 1st Embodiment of this invention. It is a functional block diagram of the transaction information monitoring control part which concerns on 2nd Embodiment of this invention. It is a flow figure of the 2nd transaction information monitoring control processing concerning a 2nd embodiment of the present invention. FIG. 11 is a flowchart of predetermined data accumulation number reaching guidance processing in the second transaction information monitoring control processing according to the second embodiment of the present invention. It is a functional block diagram of the transaction information monitoring control part which concerns on 3rd Embodiment of this invention. It is a flow figure of the 2nd transaction information monitoring control processing concerning a 3rd embodiment of the present invention. FIG. 12 is a flow chart of predetermined time passage guidance processing in the transaction information monitoring control processing according to the third embodiment of the present invention; It is a functional block diagram of the transaction information monitoring control part which concerns on 4th Embodiment of this invention.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described with reference to the drawings. However, the present invention can be implemented in many different aspects and should not be construed as being limited to the description of the embodiments exemplified below. Although the drawings may be represented schematically in order to make the description clearer, they are only examples and do not limit the interpretation of the present invention. In addition, the letters "first" and "second" for each element are labels for convenience used to distinguish each element, and unless otherwise specified, have more meaning. do not have. In the drawings referred to in this embodiment, the same parts or parts having similar functions are denoted by the same reference numerals or similar reference numerals (numerals xxx with A and B only), and the repetition thereof Description may be omitted. Also, part of the configuration may be omitted from the drawings. In addition, no particular description will be given if it is something that can be recognized by a person who has ordinary knowledge in the field to which the present invention belongs.

<First Embodiment>
A transaction information monitoring system according to a first embodiment of the present invention will be described in detail with reference to the drawings.

(1-1. Hardware configuration of transaction information monitoring system)
FIG. 1 shows the hardware configuration and functional block diagram of the transaction information monitoring system 1. As shown in FIG. As shown in FIG. 1 , transaction information monitoring system 1 includes transaction terminal 10 , financial institution server 20 , financial institution client 30 , and regulatory authority server 40 . The transaction terminal 10 inputs information necessary for the transaction and instructs the financial institution server 20 to process the transaction. The financial institution server 20 performs transaction processing based on the information input from the transaction terminal 10, and uses the information (transaction information) to monitor and control the transaction information, which will be described later. The financial institution client 30 receives the transaction information excluded from monitoring from the financial institution server 20, and inputs information for reclassifying it as a monitoring object. The regulatory authority server 40 receives from the financial institution server 20 transaction information determined to be fraudulent transactions among the transaction information monitored by the financial institution server 20 .

The transaction terminal 10 is one of computers and has a display section 11 , a control section 12 , a storage section 13 , an operation section 14 and a communication section 15 . In this example, an ATM (Auto Teller Machine) is used as the transaction terminal 10 . In addition, the transaction terminal 10 is not limited to an ATM, and when the transaction is performed at the counter of a financial institution, it may be a computer provided at the counter of a sales branch, a smartphone, a mobile phone (feature phone), a tablet terminal, Notebook PCs (Personal Computers), IoT devices (equipment equipped with a power source, communication function, and information storage mechanism), etc. are also applicable, as long as they can be traded with a financial institution server over a network.

The display unit 11 is a display device such as a liquid crystal display or an organic EL display, and display contents are controlled by signals input from the control unit 12 . Note that if the display device (touch panel) has a touch sensor, the function of the operation unit 14 may be exhibited in the display unit 11, or the display unit 11 and the operation unit 14 may be provided separately. .

The control unit 12 uses a CPU (Central Processing Unit) and a RAM (Random Access Memory) to execute a program for trading with a financial institution stored in a storage unit 13 such as a memory based on the operation of the operation unit 14. It instructs the server 20 to process the transaction. Transactions at this time include deposit/withdrawal processing such as transfer/withdrawal, loan transaction processing, foreign exchange transaction processing, and the like.

The communication unit 15 has a function of transmitting/receiving data to/from the financial institution server 20 . A LAN transmitter/receiver for intranet is used for the communication unit 15 . The transmitter/receiver is not limited to a LAN transmitter/receiver for intranet. When the transaction terminal is a portable transaction terminal, a transmitter/receiver for mobile terminal communication (for example, LTE communication) may be provided, or a transmitter/receiver for short-range wireless communication may be provided. Transaction terminal 10 is appropriately connected to financial institution server 20 via network 50 .

Financial institution server 20 has communication unit 21 , storage unit 22 and control unit 23 . Financial institution server 20 functions as a database and application server.

The communication unit 21 has a transmitter/receiver and performs information communication of transaction data with the transaction terminal 10 , the financial institution client 30 , and the regulatory authority server 40 via the network 50 . A LAN transmitter/receiver for intranet is used for the communication unit 21 . Note that the transmitter/receiver is not limited to a LAN transmitter/receiver for intranet use, and a communicable device similar to the transaction terminal 10 is used.

The storage unit 22 has a function as a database that stores all transaction data used in the transaction information monitoring control program by using a hard disk and an SSD.

Using the CPU and RAM, the control unit 23 executes transaction processing based on information instructed from the transaction terminal 10, and controls the processing of transaction information monitoring software (program), which will be described later. In some cases, the display unit 24 is provided with a user interface for implementing the transaction information monitoring control program according to a command from the control unit 23 .

The financial institution client 30 has a communication section 31 , a storage section 32 , a control section 33 , an operation section 34 and a display section 35 . In this example, as the financial institution client 30, a monitoring target data classification computer in the financial institution is used.

The communication unit 31 transmits and receives transaction information to and from the financial institution server 20 via the network 50 . In this example, the communication unit 31 is a transmitter/receiver for an intranet of a financial institution. The storage unit 32 stores data used in the transaction information monitoring control program using a hard disk or SSD. The control unit 33 includes a CPU and a RAM, displays transaction data output from the financial institution client 30, and transmits information operated using an operation unit 34 such as a mouse and a keyboard to the financial institution via the communication unit 31. It controls input to the server 20 . The financial institution client 30 may be operated by a user, and information necessary for classification into the second monitoring target data described later is input and sent to the financial institution server 20 .

Regulatory authority server 40 has communication unit 41 , storage unit 42 , control unit 43 , and display unit 44 . The regulatory authority server 40 is connected to the financial institution server 20 via the network 50 by a transceiver (communication unit 41). The control unit 43 performs control such as displaying information sent from the financial institution server 20 on the display unit 44 .

(1-2. Configuration of Transaction Information Monitoring Control Unit 100)
FIG. 2 is a functional block diagram of a transaction information monitoring control unit 100 that is configured by each component of the financial institution server 20 in the transaction information monitoring system 1 and that controls a program (transaction information monitoring program) that implements the transaction information monitoring function. indicates

Transaction information monitoring control unit 100 includes transaction data aggregation unit 110 , first transaction data classification unit 120 , transaction data accumulation unit 130 , second transaction data classification unit 140 , extraction unit 150 and monitoring unit 160 .

The transaction data aggregating unit 110 has a function of acquiring transaction data processed based on an instruction from the transaction terminal 10 and aggregating the acquired transaction data. The transaction data can include transaction details related to deposit/withdrawal processing such as transfer/withdrawal, loan transaction processing, and foreign exchange transaction processing.

The first transaction data classification unit 120 has a function of classifying the transaction data aggregated by the transaction data aggregation unit 110 into first monitoring target data or non-target data based on monitoring collection conditions. Information set in advance based on the transaction details to be monitored is attached to the monitoring collection conditions. For example, first monitoring target data is assigned first identification information, and non-target data is assigned second identification information different from the first identification information. More specifically, classification codes may be used as the first identification information and the second identification information.

The transaction data accumulation unit 130 has a function of accumulating all of the first monitoring target data and non-target data classified by the first transaction data classification unit 120 . Moreover, the transaction data accumulation unit 130 may accumulate second monitoring target data classified by a second transaction data classification unit described later.

The second transaction data classification unit 140 outputs non-target data from the financial institution server 20 to the financial institution client 30, and selects based on the information input to the financial institution server 20 based on the judgment made by the financial institution client 30 side. It has a function of classifying any of the non-target data obtained as the second monitoring target data.

The extraction unit 150 has a function of extracting the first monitoring target data classified by the first transaction data classification unit 120 and the second monitoring target data classified by the second transaction data classification unit 140 from all the transaction data. have.

The monitoring unit 160 compares the first monitoring target data and the second monitoring target data extracted by the extraction unit 150 with preset monitoring conditions, and determines that the transaction is fraudulent when the monitoring conditions are met. It has a function of transmitting transaction information determined to be fraudulent transactions to the regulatory authority server 40 . In addition, the monitoring unit 160 may transmit a signal indicating that there has been a fraudulent transaction without transmitting the transaction information when the monitoring target data is determined to be fraudulent transaction.

(1-3. Transaction information monitoring control processing)
Next, the transaction information monitoring control processing based on the command by the transaction information monitoring program in the transaction information monitoring control unit 100 will be described. The transaction information monitoring control process includes a first transaction information monitoring control process, a second transaction information monitoring control process, and a third transaction information monitoring control process.

The first transaction information monitoring control process includes a transaction data acquisition process, a transaction data aggregation process, a first transaction data classification process, and an accumulation process. The second transaction information monitoring control process includes a second transaction data sorting process of sorting second monitored data from non-target data. The third transaction information monitoring control process includes a process of extracting data to be monitored, and a monitoring process of matching with predetermined monitoring conditions and extracting data when the monitoring conditions are met. Each transaction information monitoring control process will be described separately.

(1-3-1. First transaction information monitoring control process S100)
FIG. 3 shows the first transaction information monitoring control process S100. As shown in FIG. 3, first, transaction processing is performed in response to information input from the transaction terminal 10, and transaction data is acquired (S110). The transaction data may include transaction details related to deposit/withdrawal processing such as transfer/withdrawal, loan transaction processing, bond processing, and foreign exchange transaction processing, as well as the movement of money within the financial institution. In other words, the transaction data can be said to be information on all movements of money within the financial institution.

Next, the acquired transaction data are aggregated (S120). As an aggregation method, in this example, the data are aggregated into two tables, a table of transaction data relating to liquidity deposits and withdrawals and a table of transaction data relating to account details. Liquidity deposits and withdrawals refer to all details of deposits and withdrawals in accounts with liquidity on the current date. A statement of account refers to a sorting slip of all transactions on the current date. By aggregating the transaction data in this manner, subsequent classification of the transaction data is facilitated.

Next, a first transaction data classification process is performed on the aggregated transaction data (S130). FIG. 4 is a detailed flow diagram of the first transaction data classification process.

First, identification processing is performed on the aggregated transaction data (S131). The identification processing is performed based on identification information that can be identified from transaction data aggregated as shown in FIG. 5 (specifically, displayed as a list). In the list of FIG. 5, transaction number 111a, transaction type code 111b, classification code 111c, account number 111d, transaction store 111e, transaction party 111f, transaction date and time 111g, transaction amount 111h, and remarks 111i are provided as an example of transaction data. It is The transaction type code 111b is information attached according to transaction details such as deposit/withdrawal processing such as transfer/withdrawal, loan transaction processing, bond processing, and foreign exchange transaction processing. The remark 111i describes information that more specifically indicates the details of the transaction. In the transaction data, data other than the remarks 111i can be used as transaction information basic data, and the remarks 111i can be used as additional transaction information data. The classification code 111c will be described later.

At this time, the transaction type code 111b is used for transaction data identification processing. For example, among the transaction data, data to be monitored (first monitoring target data) includes C01 (deposit/withdrawal processing such as transfer/withdrawal), C02 (loan transaction processing), C03 (bond processing), and C03 (bond processing). ) are provided. Based on this transaction type code, first identification information M01 is given as a classification code as shown in FIG. On the other hand, the transaction classification code Cxx (blank) is assigned to data that is not subject to monitoring (non-target data), and based on this transaction type code, as shown in FIG. Second identification information Mxx (blank) different from the identification information M01 is assigned. If the classification code M01 is attached to the transaction data based on the identification information (S132; Yes), the transaction data is classified as the first monitoring target data (S133). If the transaction type code M01 is not assigned and the transaction type code is blank (S132; No), it is classified as non-target data (S134).

Returning to FIG. 3, description will be made. Next, the first monitoring target data and the non-target data classified based on the identification information are stored in a storage area (corresponding to storage unit 22) in financial institution server 20 (S140). At this time, the first monitoring target data and the non-target data may be accumulated in different storage areas. As described above, the first transaction information monitoring control process is completed.

(1-3-2. Second transaction information monitoring control process S200)
FIG. 7 shows a flow chart of the second transaction information monitoring control process S200. As shown in FIG. 7, in the second transaction information monitoring control process S200, a second transaction data classification process S210 is performed.

FIG. 8 shows a flow chart of the second transaction data classification process S210. The financial institution client 30 transmits a classification start signal to the financial institution server 20 based on the information input by the user. When the financial institution server 20 receives this classification start signal, it triggers the second transaction information monitoring process S210 to start.

First, only the non-target data is extracted from the transaction data (specifically, the transaction data with blank transaction type code and classification code is extracted), and the financial institution client 30 is provided with the non-target data and the non-target data. The added information (also collectively referred to as information corresponding to non-target data) is output (S211). At this time, the non-target data and the information added to the non-target data are transmitted as a signal for output display in a list format. As a result, a list of non-target data is displayed on the display unit 35 of the financial institution client 30 (S212). The non-target data means the transaction information basic data described above, and the information added to the non-target data corresponds to the transaction information additional data (note 111i).

FIG. 9 shows a list of non-target data displayed on the display unit 35. As shown in FIG. In the list shown in FIG. 9, as an example of transaction data, similar to FIG. An amount 111h and a remark 111i are provided. At this time, additional information may be provided in the remarks 111i. For example, in the case of a transaction made in a method different from the usual method, the details of the transaction are described. Specifically, when there is a large amount of funds transferred within the financial institution, it is described in remarks 111i. In the case of the transaction as described above, the user can clearly determine that there is no problem with the transaction being excluded from monitoring.

Based on the displayed target data, the financial institution client 30 performs classification determination processing as to whether there is any non-target data that can become monitoring target data. In this example, the user makes a comprehensive judgment while looking at the non-target data displayed on the display unit 35 and the transaction details of the non-target data. Then, the user inputs some information for the transaction data determined to be classified as monitoring target data. In this example, as shown in FIG. 10, the third identification information M02 is assigned to the classification code 111c, and information for classification is input. The financial institution client 30 transmits the classification information (signal) input to the financial institution client 30 as described above to the financial institution server 20 (S213).

When the financial institution server 20 receives the classification information (S214), the classification code M02 of the non-target data is determined based on the identification information (specifically, the classification code 111c) in the received (input) classification signal. If attached (S215; Yes), it is classified as the second monitoring target data (S216). In this example, the transaction data of transaction numbers MT0033 and MT0044 are classified as the second monitoring target data. If the transaction type classification code M02 is not attached to the non-target data (S215; No), the classification process ends. With the above, the second transaction information monitoring control process S200 ends.

(1-3-3. Third Transaction Information Monitoring Control Processing S300)
FIG. 11 is a flow chart of the third transaction information monitoring control process S300. First, the classified first monitoring target data and second monitoring target data are extracted from all transaction data (S310). The extraction process may be performed sequentially when the monitoring target data is classified, or may be performed for each fixed number of monitoring target data. Next, a monitoring process is performed on the extracted first monitoring target data and second monitoring target data (S320). In the monitoring process, the transaction is compared with preset monitoring conditions, and if it is determined that there is a fraudulent transaction that matches the monitoring conditions, the transaction is determined to be fraudulent. At this time, in the monitoring process, suspicious transaction data may be further analyzed and determined. Ultimately, transaction data is sent to regulatory authority server 40 for transactions that are determined to be fraudulent transactions.

Here, the conventional transaction information monitoring method and the monitoring method of this embodiment will be compared. In the conventional method of monitoring transaction information, part of all transaction information is filtered as non-transaction information (non-monitoring information) for efficiency. At this time, since the information that was once excluded from transactions was not accumulated, it was difficult to reacquire it, and there was a possibility that monitoring omissions would occur.

However, by using this embodiment, even transaction data determined as non-target data can be accumulated in advance using identification information such as a classification code, and then classified again. Therefore, it is possible to easily reacquire transaction information that has been excluded from monitoring. In addition, even if batch automatic processing is not possible, separate determination is made on the financial institution client side, and classification processing is performed based on the input information, so monitoring omissions can be prevented. Therefore, transaction information can be monitored with high reliability.

Although the transaction information monitoring control unit 100 includes the monitoring unit 160 in this embodiment, the present invention is not limited to this. For example, the monitoring unit 160 may be provided outside the transaction information monitoring control unit 100 within the financial institution server 20 as shown in FIG. At this time, the processing in the monitoring section 160 is executed by software (program) different from the transaction information monitoring control program used in the transaction information monitoring control section 100 . Also, the processing in the monitoring unit 160 may be executed by a device or software (program) provided outside the financial institution server 20 .

Further, in the present embodiment, the first transaction information monitoring control process, the second transaction information monitoring control process, and the third transaction information monitoring control process may be performed continuously or separately. For example, the second transaction data classification process may be performed after the first monitoring target data has already been extracted and the monitoring process has started. Even if it is determined that there is no need to classify data as monitored data, it is possible to eliminate monitoring omissions for specific transaction data that requires monitoring as the transaction situation changes. can.

<Second embodiment>
In this embodiment, a transaction information monitoring control unit and a transaction information monitoring method that are different from those in the first embodiment will be described. Specifically, the process of detecting the number of accumulated transaction data and outputting guidance information to the financial institution client when performing the second transaction information monitoring control process (second transaction data classification process) will be described. Note that the same configuration and method as those of the first embodiment may be omitted as appropriate.

(2-1. Configuration of Transaction Information Monitoring Control Unit 100A)
FIG. 13 shows a functional block diagram of transaction information monitoring control section 100A in transaction information monitoring system 1A. As shown in FIG. 13, the transaction information monitoring control unit 100A includes a transaction data aggregation unit 110, a first transaction data classification unit 120, a transaction data accumulation unit 130, a second transaction data classification unit 140, an extraction unit 150, and a monitoring unit. 160, a predetermined data storage number reaching guidance unit 170 is included.

Predetermined data storage number arrival guidance section 170 has a function of detecting the number of stored transaction data and outputting guidance information to financial institution client 30 when the predetermined data storage number is reached. When start information is input from the financial institution client 30 in response to the output guide information, the second transaction information monitoring control process (second transaction data classification process) is started.

(2-2. Transaction information monitoring control processing)
FIG. 14 shows a flow diagram (S200A) of the second transaction information monitoring control process based on the command by the transaction information monitoring program in the transaction information monitoring control unit 100A. As shown in FIG. 14, the process is the same as in FIG. 7 except that the predetermined data storage number reaching guidance process (S205) is included. The predetermined data storage number reaching guidance process S205 will be described below.

FIG. 15 is a flow chart of the predetermined data storage number reaching guidance process (S205). As shown in FIG. 15, the financial institution server 20 first detects the number of accumulated transaction data (S2051). At this time, conditions are set in advance for the transaction data accumulation number. Specifically, the number of stored data is set to 100 pieces. Until a predetermined number of stored transaction data is detected (S2052; No), the process of repeatedly detecting the number of stored transaction data is executed.

When it is detected that the predetermined number of stored transaction data has been reached (S2052; Yes), the financial institution server 20 transmits to the financial institution client 30 a guidance signal indicating that the predetermined number of stored transaction data has been reached ( S2053), the financial institution client 30 receives the guidance signal (S2054). At this time, the guidance signal may be displayed as text information on the display unit 35 of the financial institution client 30, or may be received as voice information.

If it is determined that the second transaction data classification process is to be performed on the guidance information (S2055; Yes), the financial institution client 30 transmits a classification start signal (S208). On the other hand, if the second transaction data classification process is not to be performed (S2055; No), the number of arrivals of accumulated data from the financial institution client 30 is changed (specifically, the number of arrivals is changed from 100 to 200). ) signal is transmitted (S2056), and the financial institution server 20 receives the arrival number change signal (S2057), detection of the predetermined transaction data storage number may be performed again.

When the financial institution server 20 receives the classification start signal (S209), it proceeds to the second transaction data classification process (S210).

By using this embodiment, classification processing can be performed more efficiently, and monitoring omissions can be prevented. Therefore, transaction information can be monitored with high reliability.

<Third Embodiment>
In this embodiment, a transaction information monitoring control unit and method thereof different from those in the first embodiment will be described. Specifically, the process of detecting the accumulation time of data not subject to monitoring and outputting guidance information to the financial institution client in performing the second transaction information monitoring control process (second transaction data classification process) will be described. Note that the same configurations and methods as those of the first and second embodiments may be omitted as appropriate.

(3-1. Configuration of Transaction Information Monitoring Control Unit 100B)
FIG. 16 shows a functional block diagram of the transaction information monitoring control section 100B in the transaction information monitoring system 1B. As shown in FIG. 16, transaction information monitoring control unit 100B includes transaction data aggregation unit 110, first transaction data classification unit 120, transaction data storage unit 130, second transaction data classification unit 140, extraction unit 150, and monitoring unit. 160, a predetermined time passage guidance unit 180 is included.

Predetermined time passage guide unit 180 has a function of detecting the accumulation time of non-monitoring data and outputting guide information to financial institution client 30 when a preset predetermined time elapses. When start information is input from the financial institution client 30 in response to the output guide information, the second transaction information monitoring control process (second transaction data classification process) is started.

(3-2. Transaction information monitoring control processing)
FIG. 17 shows a flow diagram (S200B) of the second transaction information monitoring control process based on the command by the transaction information monitoring program in the transaction information monitoring control unit 100. As shown in FIG. As shown in FIG. 17, the procedure is the same as that shown in FIG. 7 except for the predetermined time elapsing guidance process (S206). The predetermined time passage guidance process S206 will be described below.

FIG. 18 is a flow chart of the predetermined data accumulation number reaching guidance process (S206). As shown in FIG. 18, the financial institution server 20 first detects the accumulated time based on the accumulated time when the non-target data was classified in the storage area (S2061). At this time, conditions are set in advance for the accumulation time. Specifically, an accumulation time such as one day after accumulation is detected. Until the predetermined time is detected (S2062; No), the accumulation time detection process is repeatedly executed.

When it is detected that the predetermined time has passed (S2062; Yes), the financial institution server 20 transmits a guidance signal indicating that the predetermined accumulation time has passed to the financial institution client 30 (S2063). 30 receives the guidance signal (S2064). At this time, the guidance signal may be displayed as text information on the display unit 35 of the financial institution client 30, or may be received as voice information.

If it is determined that the second transaction data classification process is to be performed on the guidance information (S2065; Yes), the financial institution client 30 transmits a classification start signal (S208). On the other hand, if the second transaction data classification process is not to be performed (S194; No), a signal to change the accumulation time (specifically, to change the accumulation time from 1 day to 2 days) is sent from the financial institution client 30. When the signal is sent (S2066) and the financial institution server 20 receives the time change signal (S2067), the elapse of the predetermined time may be detected again.

When the financial institution server 20 receives the classification start signal (S209), it proceeds to the second transaction data classification process (S210).

By using this embodiment, classification processing can be performed more efficiently, and monitoring omissions can be prevented. Therefore, transaction information can be monitored with high reliability.

<Fourth Embodiment>
In this embodiment, in the transaction information monitoring control system, a configuration of a financial institution client having a determination unit different from that of the first embodiment will be described. Note that the same configuration and method as those of the first embodiment may be omitted as appropriate.

(4-1. Hardware configuration and functional block diagram of transaction information monitoring system 1C)
FIG. 19 shows the hardware configuration and functional block diagram of transaction information monitoring system 1C. As shown in FIG. 19 , the financial institution client 30C may have a determination section 36 within the control section 33 .

The determination unit 36 has a function of performing determination processing on the non-target data output from the financial institution server 20 based on a predetermined condition and inputting it to the financial institution server 20 . The predetermined condition can be arbitrarily set by the user based on the content of the transaction. For example, the predetermined conditions include a case where the transaction amount is large but the transaction is not a fund transfer within a financial institution, and a case where unusual processing is performed multiple times. By using this embodiment, transaction data can be classified more easily.

It should be noted that within the scope of the idea of the present invention, those skilled in the art can conceive of various modifications and modifications, and it is understood that these modifications and modifications also belong to the scope of the present invention. . For example, additions, deletions, or design changes of components, or additions, omissions, or conditional changes to the above-described embodiments by those skilled in the art are also subject to the gist of the present invention. is included in the scope of the present invention as long as it has

DESCRIPTION OF SYMBOLS 10... Transaction terminal, 11... Display part, 12... Control part, 13... Storage part, 14... Operation part, 15... Communication part, 16... Power supply part, 17 Measurement unit 20 Financial institution server 21 Communication unit 22 Storage unit 23 Control unit 24 Display unit 30 Financial institution client 31... Communication unit, 32... Storage unit, 33... Control unit, 34... Operation unit, 35... Display unit, 40... Regulator server, 41... Communication unit, 42... Storage unit, 43... Control unit, 44... Display unit, 50... Network, 100... Transaction information monitoring control unit, 110... Transaction data aggregation unit, 120... First transaction data classification unit 130 Transaction data accumulation unit 140 Second transaction data classification unit 150 Extraction unit 160 Monitoring unit 170 Predetermined number of accumulated data reached Guidance section 180: Predetermined time passage guidance section

Claims (18)

aggregating the acquired transaction data, classifying and accumulating the aggregated transaction data into monitoring target data or non-target data based on predetermined classification conditions;
A method of outputting information corresponding to the non-target data to an external device, and reclassifying any of the non-target data into the monitoring target data based on information input from the external device. Matching the monitoring target data with a predetermined monitoring condition and extracting when the monitoring condition is met;
The method of claim 1. The monitoring target data is provided with first identification information, the first monitoring target data obtained by classifying the transaction data based on the predetermined condition, and the second identification information different from the first identification information. second monitoring target data classified from the non-target data and assigned with third identification information different from the first identification information and the second identification information;
3. The method of claim 2. The first identification information, the second identification information and the third identification information each include a different classification code,
4. The method of claim 3. The non-target data includes a blank classification code,
5. The method of claim 4. Outputting information corresponding to the non-target data to the external device is outputting information added to the non-target data together with the non-target data.
6. A method according to any one of claims 3-5. Outputting the information corresponding to the non-target data to the external device is transmitting a signal for displaying the information corresponding to the non-target data in a list format,
7. The method of claim 6. guidance information is output when a predetermined time has elapsed, and when start information for classifying the non-target data into the second monitoring target data is input with respect to the output guidance information, the target outputting information corresponding to the external data to the external device;
7. A method according to claim 5 or 6. guidance information is output when a predetermined number of the transaction data is accumulated, and start information for classifying the non-target data as the second monitoring target data is input with respect to the output guidance information; outputting information corresponding to the non-target data to the external device when the
8. A method according to claim 6 or 7. a transaction data aggregation unit that acquires transaction data and aggregates the acquired transaction data;
a first transaction data classification unit that classifies the aggregated transaction data into first monitoring target data or non-target data based on monitoring collection conditions;
an accumulation unit that accumulates the first monitoring target data and the non-target data;
A second transaction data classification that outputs information corresponding to the non-target data to an external device and classifies any of the non-target data selected based on the information input from the external device as second monitoring target data. Department and
an extraction unit that extracts the first monitoring target data and the second monitoring target data,
Trading information monitoring system. A monitoring unit that compares the first monitoring target data and the second monitoring target data with a predetermined monitoring condition and extracts data that matches the monitoring condition,
Transaction information monitoring system according to claim 10. The first monitoring target data is given first identification information,
Second identification information different from the first identification information is assigned to the non-target data,
Third identification information different from the first identification information and the second identification information is assigned to the second monitoring target data.
Transaction information monitoring system according to claim 10 or 11. The first identification information, the second identification information and the third identification information each include a different classification code,
Transaction information monitoring system according to claim 12. The non-target data includes a blank classification code,
Transaction information monitoring system according to claim 13. The information corresponding to the non-target data includes the non-target data and information added to the non-target data,
Transaction information monitoring system according to any one of claims 11 to 14. The second transaction data classification unit transmits a signal for displaying information corresponding to the non-target data in a list format.
Transaction information monitoring system according to claim 15. including a guidance unit that outputs guidance information to the external device when a predetermined time has elapsed;
When start information for classifying the non-target data into the second monitoring target data is input with respect to the output guide information, the second transaction data classification unit performs outputting information to the external device;
Transaction information monitoring system according to claim 15 or 16. a guidance unit that outputs guidance information when the storage unit reaches the number of stored transaction data;
When start information for classifying the non-target data into the second monitoring target data is input with respect to the output guide information, the second transaction data classification unit performs outputting information to the external device;
Transaction information monitoring system according to claim 15 or 16.

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