JP7500181B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and an information processing program that analyze remittance country information contained in a telegram.

Instructions for remittance between banks are generally given by sending and receiving telegrams, and the SWIFT format is known as a standard for such telegrams. The SWIFT format is provided by the Society for Worldwide Interbank Financial Telecommunication (SWIFT) and is used for remittances at the request of customers and between banks. Standards for the SWIFT format are determined according to the type of telegram; for example, the MT103 format is used for remittance telegrams when direct transactions between banks are possible, and the MT202COV format is used when direct transactions between banks are not possible.

In SWIFT format messages, a field is defined for each piece of information related to remittance. For example, information about the remittance bank is to be written in Tag 52. Therefore, when the bank processes the remittance, it obtains the information written in the specified field of the message.

However, since there are no set rules for what should be written in each field, the text (character strings) written in the fields may differ depending on the bank. Therefore, in many cases, information related to the remittance process is identified by comparing the character strings in the fields with past data (see, for example, Patent Document 1).

JP 2013-134543 A

In remittance processing at a bank, for example, the remittance country is identified from the remittance bank information included in the message, and if the remittance country is a foreign country, the procedure for foreign remittance is performed, and if the remittance country is domestic, the procedure for domestic remittance is performed. Identifying the remittance country is important because not only the procedures within the bank differ between foreign remittance and domestic remittance, but also the fees differ. Specifically, the remittance country is identified by comparing the character string of Tag52 with past data through automated information analysis processing. However, even if the remittance is actually a foreign remittance, if a domestic intermediary bank (hereinafter referred to as a correspondent bank) is listed in Tag52, the remittance country may be determined to be domestic rather than foreign. In that case, the wrong fee will be charged, so even if automated information analysis processing is performed, the burden on the worker is not necessarily reduced. In addition, when remittances are made abroad, it is necessary to check for money laundering, and in this respect, it is also important to identify the remittance country.

As mentioned above, when identifying the sending country in remittance processing, automated information analysis is performed by comparing with past data, but this does not significantly improve the efficiency of workers' work, and there is a need to improve the accuracy of identifying the sending country.

In view of the above problems, one of the objectives of the present invention is to improve the judgment system in the information analysis processing of remittance countries. Another objective is to improve the work efficiency of workers in remittance processing.

An information processing device according to one embodiment of the present invention includes a processing unit that generates remittance country information based on first information acquired from a first field in the message that defines information related to the financial institution, and second information acquired from a second field in the message that is different from the first field.

An information processing method according to one embodiment of the present invention generates remittance country information based on first information obtained from a first field in a message that defines information related to a financial institution, and second information obtained from a second field in the message that is different from the first field.

An information processing program according to one embodiment of the present invention executes an information processing method on a computer.

The first information may include a first financial institution identification code. The second information may include a second financial institution identification code.

The remittance country information may be generated from the country code included in the first financial institution identification code.

Third information may be generated that includes the first information and the second information.

The device may include a storage unit, and the storage unit may include a first information database in which the first information is linked to first country information identified from the first information and registered.

The remittance country information may be generated from first country information linked to the first information registered in the first information database.

The storage unit may further include a second information database in which the third information is linked to second country information identified from the second information and registered.

The remittance country information may be generated from second country information linked to the second information registered in the second information database.

The first field may be Tag52 in the SWIFT format.

The second field may be a field containing a predetermined symbol. The predetermined symbol may be the "/INS/" code. The second field may also be Tag72 in the SWIFT format.

FIG. 1 is a block diagram showing an interbank remittance system. FIG. 2 is a schematic diagram of a remittance message generated by a bank. FIG. 2 is a block diagram showing an information processing device used to determine a remittance country in accordance with one embodiment of the present invention. 3 is a diagram showing an example of a first information database and a second information database included in a storage unit of an information processing device according to an embodiment of the present invention; FIG. 4 is a flowchart of information processing steps in an information processing method according to an embodiment of the present invention. 10 is a flowchart of a first information acquisition step executed by a first processing unit in an information processing method according to an embodiment of the present invention. 10 is a flowchart of a second information acquisition step executed by a second processing unit in an information processing method according to an embodiment of the present invention. 10 is a flowchart of a determination step executed by a third processing unit in an information processing method according to an embodiment of the present invention. 10 is a flowchart of a first search step executed by a third processing unit in an information processing method according to an embodiment of the present invention. 10 is a flowchart of a second search step executed by a third processing unit in an information processing method according to an embodiment of the present invention. FIG. 1 is a schematic diagram of a message including Tag52 and Tag72. FIG. 1 is a schematic diagram of a message including Tag52 and Tag72.

One embodiment of the present invention will be described in detail below with reference to the drawings. The embodiment described below is one example of the present invention, and the present invention should not be interpreted as being limited to this embodiment. In other words, it is possible to apply known technology to the multiple embodiments described below and modify them to implement them in various ways.

In this specification, the letters "first," "second," "third," and "fourth" attached to each component are convenient labels used to distinguish each component, and have no other meaning unless otherwise specified.

In this specification, "financial institution" refers to an entity that conducts financial transactions, such as a bank, a securities company, or an insurance company.

In this specification, "network" refers to a system in which multiple computers are connected by wire or wirelessly, enabling them to communicate with each other, such as the Internet or an intranet.

In this specification, a "database" refers to accumulated information that is managed as data so that it can be processed (e.g., information can be added, deleted, searched, etc.) using an information processing device. A "record" is one of the units that make up a database, and contains one item of information for the object being managed. Note that the information contained in a record may contain not only one item, but multiple items.

[1. Remittance System]
A remittance system of a financial institution will be described with reference to Fig. 1. Note that, although Fig. 1 describes a remittance system carried out through a bank, which is an example of a financial institution, the financial institution is not limited to a bank.

Figure 1 is a block diagram showing a remittance system between banks. Bank A is a remittance bank that receives a remittance instruction from Customer X (recipient). Bank A may be located in a foreign country or within Japan. Customer X requests Bank A, either directly or through a network, to remit money to the bank account of Customer Y (recipient) at Bank D (receiving bank). Upon receiving the request, Bank A generates a message including information related to the remittance, such as the remittance bank name, customer name, and account number. Here, we will explain the case where money is remitted to the bank account of Customer Y (recipient) at Bank D. The message is converted into encrypted data and transmitted from Bank A to Bank B via the network.

Bank B is an intermediary bank (correspondent bank). When Bank A is located overseas, it may not be possible to transfer funds directly to Bank D, which is located in Japan. In that case, funds will be transferred to Bank D via one or more correspondent banks. Bank C is also a correspondent bank, just like Bank B. That is, in Figure 1, funds are transferred from Bank A to Bank D via correspondent banks Bank B and Bank C.

Banks B and C also generate remittance messages for Banks C and D, respectively. These messages are also converted into encrypted data and sent over the network from Bank B to Bank C, and from Bank C to Bank D.

Next, we will use Figure 2 to explain the message for remittance.

[2. Telegram]
2 is a schematic diagram of a remittance message 900 generated by a bank. The message 900 shown in FIG. 2 includes Tag 52 indicated by ":52A:", Tag 53 indicated by ":53A:", and Tag 54 indicated by ": A number of fields are defined, including Tag 54 indicated by ":54A:", Tag 71 indicated by ":71A:" and ":71F:", and Tag 72 indicated by ":72:". Each field is described as follows: For example, Tag52 is defined as "Ordering Institution (Payer's Bank)" and contains information about the remittance bank. Tag72 is defined as "Sender to Receiver Information". Free information is provided.

The remittance country is determined by analyzing the information in Tag52. As described above, Tag52 contains information about the remittance bank. Tag52 in FIG. 2 contains "ABCDUS33XXX", which is called the Bank Identifier Code (BIC code). The first four English letters in the BIC code represent the bank name. The next two English letters represent the country name. The next two English letters or numbers represent the city. The last three English letters or numbers represent the branch or department. Therefore, in "ABCDUS33XXX" in FIG. 2, "ABCD" represents the bank name, "US" represents the country name, "33" represents the city, and "XXX" represents the branch or department. Here, the country name "US" is the country code for the United States of America. As can be seen from this, Tag52 contains the country name where the remittance bank is located. Therefore, by analyzing the information in Tag52, it is possible to identify the country of origin.

The BIC code "ABCDUS33XXX" shown in Figure 2 is 11 digits, with the last "XXX" indicating the head office. In overseas remittances, since remittances are often made between the head offices of banks, "XXX" is often omitted and the BIC code is often just 8 digits, "ABCDUS33".

However, the format for what is written in Tag52 is not specified, and the financial institution identification code is not necessarily written. Also, although Tag52 should originally contain the remittance bank, it is not rare for the correspondent bank to be written instead.

Therefore, in an information processing device, information processing method, and information processing program according to one embodiment of the present invention, not only the information in Tag52 but also the information in Tag72 are analyzed.

Tag 72 is a field that can be freely written, but in many cases it indicates the remittance bank. Tag 72 shown in Figure 2 contains "/INS/BARCGB22XXX". "/INS/" is a code that indicates an "Instructing institution", and the following character string contains information about the bank before which the telegram was received, or the bank before that. Therefore, in many cases, Tag 72 contains information about the remittance bank.

"BARCGB22XXX" in Tag72 shown in Figure 2 is a BIC code. That is, in "BARCGB22XXX", "BARC" indicates the bank name, "GB" indicates the country name, "22" indicates the city name, and "XXX" indicates the head office. The country code "GB" indicates the United Kingdom of Great Britain and Northern Ireland.

In message 900 shown in Figure 2, the country of the bank shown in Tag 52 is different from the country of the bank shown in Tag 72. Message 900 shown in Figure 2 is a message that is often seen when there are many correspondent banks. In other words, because there are many correspondent banks, the correspondent bank is also listed in Tag 52. In fact, in the case of message 900 shown in Figure 2, the bank shown in Tag 72 is the remittance bank that received the remittance request from customer A. Therefore, there are many cases where the wrong remittance country is identified based on the information in Tag 52 alone.

The information processing device, information processing method, and information processing program according to this embodiment obtain country information from the information in Tag 52 and Tag 72 included in the message and determine the remittance country, but the country information is not limited to being obtained from the bank information written in Tag 52 and Tag 72. The country information may be obtained from multiple fields that can identify the country. Furthermore, the information processing device, information processing method, and information processing program according to this embodiment are not limited to messages in SWIFT format, and can be applied to messages that include at least multiple fields that can identify country information.

The following describes an information processing device 10 according to one embodiment of the present invention, using FIG. 3.

[3. Information Processing Device]
Fig. 3 is a block diagram showing an information processing device 10 used to determine the remittance country according to one embodiment of the present invention. The information processing device 10 can obtain country information from multiple fields of a telegram 900 and determine the remittance country. As shown in Fig. 3, the information processing device 10 includes a first processing unit 100, a second processing unit 200, a third processing unit 300, and a storage unit 400. The storage unit 400 also includes a first information database 410 and a second information database 420.

The information processing device 10 is, for example, a computer, and includes a CPU (Central Processing Unit) as a computing means. The CPU can function as the first processing unit 100, the second processing unit 200, or the third processing unit 300 by loading an information processing program, and can execute a predetermined information processing. The first processing unit 100, the second processing unit 200, and the third processing unit 300 may execute information processing using one CPU, or may each execute information processing using multiple CPUs. Note that, when there is no need to distinguish between the first processing unit 100, the second processing unit 200, and the third processing unit 300, for convenience, they will be collectively described as processing units.

The first processing unit 100 acquires the first information from the first field of the message 900. The first field is a field in which information related to the financial institution is defined. The first field is, for example, Tag 52 of the message 900.

The second processing unit 200 acquires the second information from the second field of the message 900. The second field is a field different from the first field. The second field is, for example, Tag 72 of the message 900. In addition, it is preferable that the second field includes a predetermined symbol. It is preferable that the predetermined symbol is the "/INS/" code.

The third processing unit 300 generates remittance country information based on the acquired first information and second information. The third processing unit 300 also searches the first information database 410 and the second information database 420 stored in the memory unit 400.

Details of the processing performed by the first processing unit 100, the second processing unit 200, and the third processing unit 300 will be described later.

The storage unit 400 may include a RAM (Random Access Memory), a ROM (Read Only Memory), or a hard disk. The storage unit 400 does not have to be composed of a single unit. For example, temporary information can be stored in the RAM, and permanent information can be stored on the hard disk.

The storage unit 400 includes a first information database 410 and a second information database 420. Data is read from and written to the first information database 410 and the second information database 420 by the third processing unit 300. Note that the first information database 410 and the second information database 420 may be viewed and the data modified by a computer other than the information processing device 10.

Figures 4(A) and 4(B) are diagrams showing examples of a first information database 410 and a second information database 420, respectively, included in the storage unit of an information processing device 10 according to one embodiment of the present invention.

The first information database 410 shown in FIG. 4(A) is a database in which the first information is managed as records, and each record item includes, in addition to the first information, at least first country information linked to the first information. The second information database 420 is a database in which the third information is managed as records, and each record item includes, in addition to the third information, at least second country information linked to the third information. Details of the processing by the third processing unit 300, such as searching the first information database 410 and the second information database 420, will be described later.

Next, the information processing method using the information processing device 10 will be described in detail using Figures 5 to 10.

[4. Information processing method]
5 is a flowchart of information processing steps in an information processing method according to an embodiment of the present invention. The information processing steps include a first information acquisition step S100, a second information acquisition step S200, and a determination step S300. Note that the first information acquisition step S100 and the second information acquisition step S200 can be executed in parallel.

The following describes the details of the first information acquisition step S100, the second information acquisition step S200, and the determination step S300.

Figure 6 is a flowchart of the first information acquisition step S100 executed by the first processing unit 100 in an information processing method according to one embodiment of the present invention. The first information acquisition step S100 may be started when the message 900 is received, or may be started by an input from the operator to start information processing.

The first processing unit 100 references Tag 52 of the message 900 as the first field, and acquires the first information described in Tag 52 (S110). The acquired first information may be all the character strings included in Tag 52, or may be one word or a predetermined number of character strings included in Tag 52. The first processing unit 100 acquires the first information and ends the first information acquisition step S100.

Figure 7 is a flowchart of the second information acquisition step S200 executed by the second processing unit 200 in an information processing method according to one embodiment of the present invention. The second information acquisition step S200 may be started in synchronization with the first information acquisition step S100, or may be started after the processing of the first information acquisition step S100 is completed.

The second processing unit 200 references Tag 72 of the message 900 as the second field, and acquires the second information written in Tag 72 (S210). The acquired second information may be all the characters included in Tag 72, or one word or a predetermined number of characters included in Tag 72. However, if Tag 72 contains the code "/INS/", it is preferable to acquire the 8-digit or 11-digit character string following the code "/INS/". The second processing unit 200 acquires the second information and ends the second information acquisition step S200.

Figure 8 is a flowchart of the determination step S300 executed by the third processing unit 300 in an information processing method according to one embodiment of the present invention. The determination step S300 starts after the first information acquisition step S100 and the second information acquisition step S200 are completed.

The third processing unit 300 judges whether the generated first information and second information match (S310). When the first information and the second information match (S310: YES), the third processing unit 300 judges whether the first information includes a first financial institution identification code (S320). In judging the first financial institution identification code, it judges whether the first information includes an 8-digit or 11-digit character string. In this case, it may be judged whether the 5th and 6th two characters of the 8-digit or 11-digit character string are English characters corresponding to a country code. When the first information is the first financial institution code (S320: YES), the third processing unit 300 generates remittance country information from the country code of the first financial institution identification code (S330). The remittance country information may be a country code or a country name obtained from the country code. The remittance country information may be at least one that can determine whether the country is foreign or domestic. After generating the remittance country information, the third processing unit 300 ends the judgment step S300.

On the other hand, when the first information does not include the first financial institution identification code (S320: NO), the third processing unit 300 executes the first search step S400.

Also, when the first information and the second information do not match (S310: NO), the third processing unit 300 executes the second search step S500.

Figure 9 is a flowchart of the first search step S400 executed by the third processing unit 300 in an information processing method according to one embodiment of the present invention.

When the first search step S400 is started, the third processing unit 300 searches for the acquired first information using the first information database 410 stored in the storage unit 400 (S410), and determines whether the acquired first information is included (registered) in the first information database 410 (S420). When the acquired first information is included in the first information database 410 (S420: YES), the third processing unit 300 acquires the first country information linked to the registered first information in the first information database 410 (S430).

On the other hand, when the acquired first information is not included in the first information database 410 (S420: NO), the first country information is identified from the first information (S440). When identifying the first country information from the first information, the worker may determine the first country information of the first information, or a database other than the first information database 410 may be used to determine the first country information of the first information. The third processing unit 300 acquires the identified first country information. When the worker makes the determination, the worker inputs the first country information, and the third processing unit 300 acquires the input first country information (the identified first country information), links the first country information to the first information, and registers it in the first information database 410 (S450).

When the third processing unit 300 acquires the first country information, it generates remittance country information from the first country information (S460). The third processing unit 300 may retain the acquired first country information and use it as the remittance country information. After generating the remittance country information, the third processing unit 300 ends the first search step S400.

Figure 10 is a flowchart of the second search step S500 executed by the third processing unit 300 in an information processing method according to one embodiment of the present invention.

When the second search step S500 is started, the third processing unit 300 generates third information including the first information and the second information (S510). Next, the third processing unit 300 searches for the generated third information using the second information database 420 stored in the storage unit 400 (S520), and determines whether the generated third information is included (registered) in the second information database 420 (S530). When the generated third information is included in the second information database 420 (S530: YES), the third processing unit 300 acquires the second country information linked to the registered third information in the second information database 420 (S540).

On the other hand, when the generated third information is not included in the second information database 420 (S530: NO), the second country information is identified from the second information (S550). The third information includes the first information and the second information, but the second country information is identified from the second information. That is, between Tag52 and Tag72, the second country information is identified from the information described in Tag72. When identifying the second country information from the second information, the worker may determine the second country information of the second information, or may determine the second country information of the second information using a database different from the second information database 420. The third processing unit 300 acquires the identified second country information. Note that, when the worker makes the judgment, the worker inputs the second country information, and the third processing unit 300 acquires the input second country information (identified second country information), links the second country information to the third information, and registers it in the second information database 420 (S560).

When the third processing unit 300 acquires the second country information, it generates remittance country information from the second country information (S570). The third processing unit 300 may retain the acquired second country information and use it as the remittance country information. After generating the remittance country information, the third processing unit 300 ends the second search step S500.

[5. Information Processing Program]
The information processing method described above includes a first information acquisition step S100, a second information acquisition step S200, a judgment step S300, a first search step S400, and a second search step S500, and these steps can be executed by a program on a computer. In addition, in the above description, for convenience, the first information acquisition step S100, the second information acquisition step S200, the judgment step S300, the first search step S400, and the second search step S500 are described separately, but these steps can be executed by one integrated program, or can be executed by multiple programs including several steps.

According to an information processing device, an information processing method, and an information processing program according to an embodiment of the present invention, remittance country information is generated using not only the first field (e.g., Tag52) of a message but also the second field (e.g., Tag72). Furthermore, when the first information generated from the first field does not match the second information generated from the second field, remittance country information is generated based on third information including the first information and the second information. In this case, remittance country information is generated from the third information, which is a combination of the first information and the second information and has a large amount of information, instead of processing the first information and the second information separately, and the remittance country can be determined, thereby increasing the accuracy of remittance country determination. This reduces misidentification of the remittance country and reduces the burden on the worker.

In addition, the information processing device, information processing method, and information processing program according to one embodiment of the present invention can introduce the necessary steps into an information processing system that is currently in use. Therefore, the information processing device, information processing method, and information processing program according to one embodiment of the present invention are easy to introduce and have excellent scalability.

Furthermore, an embodiment of the present invention will be described in more detail with reference to Figures 11 and 12. However, an embodiment of the present invention is not limited to the following specific examples.

[Example 1]
11A is a schematic diagram of a message 900A including Tag52 and Tag72. "TRWIGB22" is written in Tag52, and "BARCGB22XXX" is written in Tag72. The first processing unit 100 acquires "TRWIGB22" from Tag52, and the second processing unit 200 acquires "BARCGB22XXX" from Tag72. "TRWIGB22" and "BARCGB22XXX" are financial institution identification codes.

The third processing unit 300 determines that the first information "TRWIGB22" and the second information "BARCGB22XXX" do not match, and generates "TRWIGB22BARCGB22XXX" as the third information. The third processing unit 300 also searches for the third information "TRWIGB22BARCGB22XXX" using the second information database 420. When the second information database 420 contains the third information "TRWIGB22BARCGB22XXX", the third processing unit 300 obtains the first country information "GB" linked to the third information in the second information database 420, and generates "GB" as the remittance country information.

On the other hand, when the second information database 420 does not contain the third information "TRWIGB22BARCGB22XXX", "GB" is identified as the first country information from the second information "BARCGB22XXX", and the first country information "GB" is linked to the third information "TRWIGB22BARCGB22XXX" and registered in the second information database 420. The third processing unit 300 also acquires the first country information "GB" and generates "GB" as the remittance country information.

In this specific example, the remittance country information "GB" is obtained, and it is clear that the remittance country is a foreign country. Therefore, the worker can proceed with the procedure for foreign remittance.

[Example 2]
11B is a schematic diagram of a message 900B including Tag 52 and Tag 72. Tag 52 contains "UFJSJPJTXXX" and Tag 72 contains "UFJSJPJTXXX." The first processing unit 100 acquires "UFJSJPJTXXX" from Tag 52, and the second processing unit 200 acquires "UFJSJPJTXXX" from Tag 72. "UFJSJPJTXXX" is a financial institution identification code.

The third processing unit 300 determines that the first information "UFJSJPJTXXX" and the second information "UFJSJPJTXXX" match. In addition, because the first information "UFJSJPJTXXX" is a financial institution identification code, the third processing unit 300 obtains the country code "JP", which is the two English letters in the fifth and sixth digits of the first information, and generates "JP" as the remittance country information.

In this specific example, the remittance country information "JP" is obtained, and it is clear that the remittance country is domestic. Therefore, the worker can proceed with the domestic remittance procedure.

[Example 3]
11C is a schematic diagram of a message 900C including Tag52 and Tag72. Tag52 contains "THP SECURITY CO., LTD.", and Tag72 contains "THP SECURITY CO., LTD.". The first processing unit 100 acquires "THP SECURITY CO., LTD." from Tag52, and the second processing unit 200 acquires "THP SECURITY CO., LTD." from Tag72. Note that "THP SECURITY CO., LTD." is not a financial institution identification code.

The third processing unit 300 determines that the first information "THP SECURITY CO., LTD." and the second information "THP SECURITY CO., LTD." match. However, "THP SECURITY CO., LTD." is not a financial institution identification code. Therefore, the third processing unit 300 searches for the first information "THP SECURITY CO., LTD." using the first information database 410. When the first information database 410 contains the first information "THP SECURITY CO., LTD.", the third processing unit 300 obtains the first country information "JP" linked to the first information in the first information database 410, and generates "JP" as the remittance country information.

On the other hand, when the first information database 410 does not contain the first information "THP SECURITY CO., LTD.", "JP" is identified as the country information from the first information "THP SECURITY CO., LTD.", and the country information "JP" is linked to the first information "THP SECURITY CO., LTD." and registered in the first information database 410. In addition, the third processing unit 300 acquires the first country information "JP" and generates "JP" as the remittance country information.

In this specific example, the remittance country information "JP" is obtained, and it is clear that the remittance country is domestic. Therefore, the worker can proceed with the domestic remittance procedure.

[Example 4]
12A is a schematic diagram of a message 900D including Tag 52 and Tag 72. "PNBPJPJX" is written in Tag 52, and "SEYBLKLX" is written in Tag 72. The first processing unit 100 acquires "PNBPJPJX" from Tag 52, and the second processing unit 200 acquires "SEYBLKLX" from Tag 72. "PNBPJPJX" and "SEYBLKLX" are financial institution identification codes.

The third processing unit 300 determines that the first information "PNBPJPJX" and the second information "SEYBLKLX" do not match, and generates "PNBPJPJXSEYBLKLX" as the third information. The third processing unit 300 also searches for the third information "PNBPJPJXSEYBLKLX" using the second information database 420. When the second information database 420 contains the third information "PNBPJPJXSEYBLKLX", the third processing unit 300 obtains the second country information "LK" linked to the third information in the second information database 420, and generates "LK" as the remittance country information. The country code "LK" indicates the Democratic Socialist Republic of Sri Lanka.

On the other hand, when the second information database 420 does not include the third information "PNBPJPJXSEYBLKLX", "LK" is identified as the second country information from the second information "SEYBLKLX", and the second country information "LK" is linked to the third information "PNBPJPJXSEYBLKLX" and registered in the second information database 420. In addition, the third processing unit 300 acquires the second country information "LK" and generates "LK" as remittance country information.

In this specific example, the first information "PNBPJPJX" includes the country code "JP," so if only Tag52 was judged, the remittance country information "JP" would be obtained, and the worker would likely proceed with the domestic remittance procedure. However, according to the present invention, the remittance country information "LK" is obtained, and it is clear that the remittance country is a foreign country. Therefore, the worker can proceed with the foreign remittance procedure.

[Example 5]
12B is a schematic diagram of a message 900E including Tag52 and Tag72. Tag52 contains "TPWIGB22" and Tag72 contains "US SECURITY INC.". The first processing unit 100 acquires "TPWIGB22" from Tag52, and the second processing unit 200 acquires "US SECURITY INC." from Tag72. "TPWIGB22" is a financial institution identification code, but "US SECURITY INC." is not a financial institution identification code.

The third processing unit 300 determines that the first information "TPWIGB22" and the second information "US SECURITY INC." do not match, and generates "TPWIGB22US SECURITY INC." as the third information. The third processing unit 300 also searches for the third information "TPWIGB22US SECURITY INC." using the second information database 420. When the second information database 420 contains the third information "TPWIGB22US SECURITY INC.", the third processing unit 300 obtains the second country information "US" linked to the third information in the second information database 420, and generates "US" as the remittance country information.

On the other hand, when the second information database 420 does not include the third information "TPWIGB22US SECURITY INC.", "US" is identified as the second country information from the second information "US SECURITY INC.", and the second country information "US" is linked to the third information "TPWIGB22US SECURITY INC." and registered in the second information database 420. In addition, the third processing unit 300 acquires the second country information "US" and generates "US" as the remittance country information.

In this specific example, the first information "TPWIGB22" contains the country code "GB", so if the decision were made based only on Tag52, the remittance country information "GB" would be obtained, and the worker would likely proceed with the foreign remittance procedure, which is different from the original remittance country. In this case, the wrong fee may be charged. However, according to the present invention, the remittance country information "US" is obtained, and it is clear that the original remittance country is the United States. Therefore, the worker can make a decision based on the correct remittance country and proceed with the foreign remittance procedure.

[Modification]
In the above explanation, the remittance country is identified based on the remittance bank, but it is also possible to identify the remittance country based on the recipient bank. For example, if "/BNF/" is written in Tag 72, "BNF" is a code indicating "beneficiary", and the following character string describes information on the recipient bank. Therefore, it is possible to apply the information processing device, information processing method, and information processing program according to one embodiment of the present invention to not only "/INS/" in Tag 72, but also "/BNF/".

Embodiments of the present invention can be implemented by combining appropriate configurations as long as they are not mutually inconsistent. Furthermore, those in which a person skilled in the art has appropriately added or removed components or modified the design based on the embodiments, or added or omitted steps or changed conditions, are also included in the scope of the present invention as long as they contain the gist of the present invention.

Even if there are other effects and advantages different from those brought about by the above-mentioned embodiments, if they are clear from the description in this specification or can be easily predicted by a person skilled in the art, they are naturally understood to be brought about by the present invention.

10: Information processing device, 100: First processing unit, 200: Second processing unit, 300: Third processing unit, 400: Storage unit, 410: First information database, 420: Second information database, 900, 900A, 900B, 900C, 900D, 900E: Telegram

Claims (17)

a processing unit that generates remittance country information based on first information acquired from a first field of a message including a first field that is specified to include character string information related to a financial institution and a second field that is specified to include content different from that of the first field, and second information acquired from the second field of the message;
The processing unit is an information processing device that generates the remittance country information from a country code included in the financial institution identification code when the first information and the second information match and the first information includes a financial institution identification code. The method further includes a storage unit including a first information database in which the first information is associated with first country information identified from the first information and registered;
2. The information processing device according to claim 1, wherein the processing unit searches the first information database when the first information and the second information match and the first information does not include the financial institution identification code, and when the first information database includes the first information, generates the remittance country information based on the first country information linked to the first information. The storage unit further includes a second information database in which third information including the first information and the second information is associated with second country information identified from the third information and registered;
3. The information processing device according to claim 2, wherein the processing unit searches the second information database when the first information and the second information do not match, and when the second information database includes the third information, generates the remittance country information based on the second country information linked to the third information. The information processing device according to claim 3, wherein the processing unit generates the remittance country information based on third country information input by an operator when the second information database does not contain the third information. The information processing device according to claim 1 , wherein the first field is Tag52 in a SWIFT format. The information processing device according to claim 1 , wherein the second field is a field including a predetermined symbol. The information processing apparatus according to claim 6 , wherein the predetermined symbol is a "/INS/" code. The information processing device according to claim 1 , wherein the second field is Tag72 in a SWIFT format. 1. An information processing method executed by a computer, which generates remittance country information based on first information acquired from a first field of a message including a first field defined to include character string information related to a financial institution and a second field defined to have content different from that of the first field, and second information acquired from the second field of the message,
An information processing method for generating the remittance country information from a country code included in the financial institution identification code when the first information and the second information match and the first information includes a financial institution identification code. When the first information and the second information match and the first information does not include the financial institution identification code, searching a first information database in which the first information is linked to first country information identified from the first information and registered;
The information processing method according to claim 9 , wherein when the first information database includes the first information, the remittance country information is generated based on the first country information linked to the first information. When the first information and the second information do not match, a second information database is searched in which third information including the first information and the second information is associated with second country information identified from the third information and registered;
The information processing method according to claim 10 , wherein when the second information database includes the third information, the remittance country information is generated based on the second country information linked to the third information. The information processing method according to claim 11 , wherein when the second information database does not contain the third information, the remittance country information is generated based on third country information input by an operator. 13. The information processing method according to claim 9 , wherein the first field is Tag52 in a SWIFT format. The information processing method according to claim 9 , wherein the second field is a field including a predetermined symbol. The information processing method according to claim 14 , wherein the predetermined symbol is a "/INS/" code. 14. The information processing method according to claim 9 , wherein the second field is Tag72 in a SWIFT format. An information processing program for causing a computer to execute the information processing method according to any one of claims 9 to 16 .

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