JP6733898B2 - Transfer processing device, transfer processing method, program, recording medium, and transfer processing system - Google Patents

Description

The present invention relates to a transfer processing device, a transfer processing method, a program, a recording medium, and a transfer processing system.

In recent years, wire transfer frauds such as so-called oleore fraud, fictitious bill fraud, loan guarantee fraud, and refund fraud have been increasing (Non-Patent Document 1). In addition, since measures against wire transfer fraud are taken at bank counters, etc., the number of hand-held frauds in which the criminal receives a cash card or the like from the victim and the criminal directly withdraws or transfers money is increasing.

Metropolitan Police Department, “Special fraud damage recognition status (as of December 31, 2015)”, “online”, “March 8, 2016 search”, Internet <http://www.keishicho.metro.tokyo.jp/han_furikome /1_top.htm>

In the manual fraud, when the criminal makes a transfer, the criminal can clear the personal authentication before the transfer process by asking the victim for a password such as a cash card set by the victim. .. Then, when the personal authentication is cleared, the financial institution such as the bank that executes the transfer process is not sure whether the transfer process is due to the criminal of the transfer fraud at the time of executing the transfer process. There was a problem.

Therefore, it is an object of the present invention to provide, for example, a new transfer processing device, transfer processing method, program, recording medium, and transfer processing system capable of suppressing transfer fraud.

The transfer processing device of the present invention is a face information acquisition unit that acquires the face information of the transfer requester,
Transfer information acquisition means for acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition means for acquiring face information of the transfer holder associated with the transfer holder information,
A face information determination unit that determines whether the face information of the transfer requester and the face information of the transfer holder match, and a transfer processing unit that executes a transfer process based on the transfer information,
In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder are coincident,
The transfer processing means executes the transfer processing.

The transfer processing method of the present invention is a face information acquisition step of acquiring the face information of the transfer requester,
A transfer information acquisition step of acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition step of acquiring face information of the transfer holder associated with the transfer holder information,
A face information determination step of determining whether the face information of the transfer requester and the face information of the transfer holder match, and a transfer processing step of executing a transfer process based on the transfer information,
In the face information determination step, when it is determined that the face information of the transfer requester and the face information of the transfer holder match,
In the transfer processing step, the transfer processing is executed.

A program of the present invention is characterized in that the transfer processing method of the present invention can be executed on a computer.

A computer-readable recording medium of the present invention is characterized by recording the program of the present invention.

The transfer processing system of the present invention includes a terminal and a server,
The terminal and the server are connectable via a communication network outside the system,
The terminal is
Including an input means for inputting the transfer client face information, and transfer information including transfer holder information and recipient information,
The server is
Face information acquisition means for acquiring the face information of the transfer requester,
Transfer information acquisition means for acquiring the transfer information including the transfer holder information and the recipient information,
A transfer holder face information acquisition means for acquiring face information of the transfer holder associated with the transfer holder information,
A face information determination unit that determines whether the face information of the transfer requester and the face information of the transfer holder match, and a transfer processing unit that executes a transfer process based on the transfer information,
In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder are coincident,
The transfer processing means executes the transfer processing.

According to the present invention, for example, wire fraud can be suppressed.

FIG. 1 is a block diagram showing an example (Embodiment 1) of the transfer processing apparatus of the present invention. FIG. 2 is a block diagram showing an example (first embodiment) of the transfer processing device of the present invention. FIG. 3 is a flowchart showing an example (first embodiment) of the transfer processing method of the present invention. FIG. 4 is a block diagram showing an example (second embodiment) of the transfer processing device of the present invention. FIG. 5 is a flowchart showing an example (second embodiment) of the transfer processing method of the present invention. FIG. 6 is a block diagram showing an example (Embodiment 4) of the transfer processing system of the present invention.

The transfer processing device of the present invention, for example, in the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder match, to the transfer acceptance destination registered in advance, Transfer approval confirmation information transmitting means for transmitting the transfer information and transfer approval confirmation information for confirming whether or not to approve the execution of the transfer processing, and receipt of transfer approval information for receiving the transfer approval information for approving the execution of the transfer processing Including means,
When the transfer approval information is received by the transfer approval information receiving means,
The transfer processing means executes the transfer processing.

In the transfer processing device of the present invention, for example, the pre-registered transfer recipient is at least one selected from the group consisting of the transfer holder's family, supervisor, assistant, guardian, and agent contact information. Is one.

The transfer processing device of the present invention, for example, in the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
The notification information registered in advance includes notification information transmitting means for transmitting notification information indicating that the transfer requester and the transfer holder are different.

In the transfer processing device of the present invention, for example, the transfer information includes position information of a transfer procedure destination of the transfer requester,
The notification information transmitting unit transmits the position information of the transfer procedure destination of the transfer requester.

In the transfer processing device of the present invention, for example, the previously registered notification destination is at least one selected from the group consisting of financial institutions, security companies, and police.

The transfer processing device of the present invention is, for example, a recipient face information acquisition means for acquiring the face information of the recipient associated with the recipient information, and the face information of the recipient at the transfer procedure destination of the transfer requester. And a recipient face information transmitting means for transmitting.

The transfer processing device of the present invention is, for example, a recipient confirmation information transmitting unit that transmits recipient confirmation information for confirming whether the recipient is correct to the transfer procedure destination of the transfer requester, and that the recipient is correct. Including a transfer confirmation information receiving means for receiving the transfer confirmation information confirmed
In the transfer confirmation information receiving means, when the transfer confirmation information is received,
The face information determination means determines whether the face information of the transfer requester and the face information of the transfer holder match.

The transfer processing method of the present invention, for example, in the face information determination step, if it is determined that the face information of the transfer requester and the face information of the transfer holder match, to a transfer acceptance destination registered in advance, Transfer acceptance confirmation information transmitting step for transmitting the transfer information and transfer acceptance confirmation information for confirming whether to approve the execution of the transfer operation, and receipt of transfer acceptance information for receiving the transfer acceptance information for approving the execution of the transfer operation Including steps,
When the transfer approval information receiving step receives the transfer approval information,
In the transfer processing step, the transfer processing is executed.

In the transfer processing method of the present invention, for example, the pre-registered transfer recipient is at least one selected from the group consisting of the transfer holder's family, supervisor, assistant, guardian, and agent contact information. Is one.

The transfer processing method of the present invention, for example, in the face information determination step, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
A notification information transmitting step of transmitting notification information indicating that the transfer requester and the transfer holder are different to a previously registered notification destination is included.

In the transfer processing method of the present invention, for example, the transfer information includes position information of a transfer procedure destination of the transfer requester,
In the notification information transmitting step, the position information of the transfer procedure destination of the transfer requester is transmitted.

In the transfer processing method of the present invention, for example, the previously registered notification destination is at least one selected from the group consisting of a financial institution, a security company, and a police.

The transfer processing method of the present invention is, for example, a recipient face information acquisition step of acquiring the face information of the recipient associated with the recipient information, and the face information of the recipient at the transfer procedure destination of the transfer requester. Recipient face information transmitting step for transmitting

The transfer processing method of the present invention includes, for example, a recipient confirmation information transmitting step of transmitting recipient confirmation information for confirming whether the recipient is correct to the transfer procedure destination of the transfer requester, and that the recipient is correct. Including the transfer confirmation information receiving step of receiving the transfer confirmation information confirmed
In the transfer confirmation information receiving step, when the transfer confirmation information is received,
In the face information determination step, it is determined whether the face information of the transfer requester and the face information of the transfer holder match.

Next, an embodiment of the present invention will be described. The present invention is not limited or restricted by the embodiments described below. 1 to 6 below, the same parts are designated by the same reference numerals. In addition, the description of each embodiment can be applied to each other unless otherwise specified. Furthermore, the configurations of the respective embodiments can be combined unless otherwise specified.

[Embodiment 1]
The first embodiment relates to a transfer processing device and a transfer processing method of the present invention.

FIG. 1 shows a block diagram of the transfer processing device in this embodiment. As shown in FIG. 1, the transfer processing apparatus 10 of the present embodiment includes a face information acquisition unit 111, a transfer information acquisition unit 112, a transfer holder face information acquisition unit 113, a face information determination unit 114, and a transfer processing unit 115. Including. The face information acquisition means 111, the transfer information acquisition means 112, the transfer holder face information acquisition means 113, the face information determination means 114, and the transfer processing means 115 are, for example, as shown in FIG. 1, data processing means that is hardware. It may be incorporated in the (data processing device) 11, or may be software or hardware in which the software is incorporated. The data processing means 11 may include a central processing unit (CPU) and the like. In the transfer processing device 10 of the present embodiment, the face information acquisition means 111 is the face information determination means 114, and the transfer information acquisition means 112 is the transfer holder name face information acquisition means 113 and the transfer processing means 115. The information acquisition unit 113 is electrically connected to the face information determination unit 114, and the face information determination unit 114 is electrically connected to the transfer processing unit 115.

The face information acquisition unit 111 acquires the face information of the transfer requester. The face information acquisition unit 111 acquires the face information of the transfer requester by receiving the face information of the transfer requester input from the input unit such as ATM described later and transmitted from the input unit. .. The transfer requester is, for example, a person who has requested a transfer process, and specific examples thereof include an operator of an automatic teller machine (ATM), an operator of online banking, and a transfer requester at a financial institution store. To be The face information is information related to a face, and includes, for example, one or more face images, information such as a ratio of distances of feature points such as nose and mouth in the one or more face images, and a line connecting the feature points. Information on the feature amount such as the orientation can be given. The face image may be, for example, an image of a part of the face or an image of the entire face, but the latter is preferable. Further, the face image may include a region other than the face, and may be an image of the head, an image of the upper half of the body, an image of the whole body, or the like. The face information acquisition unit 111 may acquire, for example, one type of face information, or may acquire two or more types of face information.

The transfer information acquisition means 112 acquires transfer information including transfer holder information and recipient information. The transfer information acquisition unit 112 acquires the transfer information by receiving the transfer information input from the input unit such as an ATM described later and transmitted from the input unit. The transfer information acquisition unit 112 may acquire each piece of information included in the transfer information at the same time or separately. The transfer holder is, for example, the holder of the transfer source account. Examples of the transfer holder information include information on the financial institution in which the account of the transfer holder is, the account number of the transfer holder, and the name. The payee is, for example, the holder of the transfer destination account. Examples of the payee information include information on the financial institution having the payee's account, the payee's account number, and the name. The transfer information includes transfer holder information and payee information. The transfer information may include other information, for example. Examples of the other information include transfer amount information, transfer date and time information, and position information of the transfer requester of the transfer procedure.

The transfer holder's face information acquisition unit 113 acquires the transfer holder's face information associated with the transfer holder's information. The transfer holder's face information is, for example, pre-stored transfer holder's face information, and preferably a pre-stored transfer holder's face image. The face information of the transfer holder is stored in, for example, a data storage unit inside or outside the transfer processing device 10.

The face information determination means 114 determines whether the face information of the transfer requester and the face information of the transfer holder match. The face information acquisition unit 111 may determine whether the face information of the transfer requester and the face information of the transfer holder match, for example, or the face information of the transfer requester and the transfer holder It may be determined whether the face information does not match, or whether the face information of the transfer requester and the face information of the transfer holder match.

The transfer processing unit 115 executes the transfer process when the face information determination unit determines that the face information of the transfer requester and the face information of the transfer holder match. The transfer process is, for example, a process of reducing the transfer amount and transfer fee from the account balance of the transfer source account and transmitting the transfer amount to the transfer destination account. The transfer processing means 115 further, for example, when the holder confirmation information capable of confirming the transfer holder and the registered transfer holder confirmation information associated with the transfer holder information match, the transfer processing May be executed. Examples of the holder confirmation information include a password and biometric information. The registered transfer holder confirmation information is, for example, pre-registered transfer holder confirmation information. The registered transfer holder confirmation information is stored in, for example, a data storage unit inside or outside the transfer processing device 10.

In the transfer processing device of the present embodiment, the face information of the transfer requester, the transfer information, the transfer holder's face information, the face information determination result, and the transfer process result are the face information acquisition unit 111 and the transfer information, respectively. The information is stored in the information acquisition unit 112, the transfer holder face information acquisition unit 113, the face information determination unit 114, and the transfer processing unit 115. The present invention is not limited to this, and each piece of information and the result may be stored in the data storage means, and the next means may read at least one of the information and the result from the data storage means.

FIG. 2 is a block diagram showing an example of the transfer processing apparatus including the data storage means. As shown in FIG. 2, the transfer processing apparatus 20 including the data storage means further includes a face information storage unit 121, a transfer information storage unit 122, a transfer holder name face information storage unit 123, a face determination storage unit 124, and a transfer. The processing storage unit 125 is included. As shown in FIG. 2, the face information storage unit 121, the transfer information storage unit 122, the transfer owner name face information storage unit 123, the face determination storage unit 124, and the transfer processing storage unit 125 are hardware data storage means 12. May be incorporated into. Examples of the data storage unit 12 include a random access memory (RAM), a read-only memory (ROM), a flash memory, a hard disk (HD), an optical disk, a floppy (registered trademark) disk (FD), and the like. The data storage means may be a device built-in type or an external type such as an external storage device. In the transfer processing device 20, the face information acquisition unit 111 is in the face information storage unit 121, the transfer information acquisition unit 112 is in the transfer information storage unit 122, the transfer holder face information acquisition unit 113 is in the transfer information storage unit 122 and In the transfer holder name face information storage unit 123, the face information determination unit 114 includes the face information storage unit 121, the transfer holder name face information storage unit 123, and the face determination storage unit 124, and the transfer processing unit 115 includes the transfer information storage unit. 122, the face determination storage unit 124, and the transfer processing storage unit 125 are electrically connected to each other.

In the transfer processing device 20 of the present embodiment, the face information acquisition unit 111 stores the acquired face information of the transfer requester in the face information storage unit 121, and the transfer information acquisition unit 112 transfers the acquired transfer information. The transfer holder name face information acquisition unit 113 stores the acquired face information of the transfer holder in the transfer holder face information storage unit 123, and the face information determination unit 114 stores the determined face. The information determination result is stored in the face determination storage unit 124, and the transfer processing unit 115 stores the transfer process result (for example, whether or not the transfer process is executed) in the transfer process storage unit 125. Except for this point, the transfer processing device 20 of the present embodiment has the same configuration as the transfer processing device 10, and the description thereof can be cited.

The transfer processing device of the present embodiment is further provided with one or both of an input unit for inputting the face information and the transfer information of the transfer requester outside the transfer processing device and an output unit for outputting the transfer processing result. It may be connectable. The connection may be, for example, an electrical connection or a connection via a communication line network. The communication line may be a wired line or a wireless line, for example. When connected to the input unit and the output unit, as shown in FIG. 2, in the transfer processing device 20 of the present embodiment, the input unit 13 is connected to the face information acquisition unit 111 and the transfer information acquisition unit 112. ing. The output unit 14 is connected to at least one of the transfer processing unit 115 and the transfer processing storage unit 125. The input means 13 is, for example, an image pickup means for acquiring the face image of the transfer requester, a card reading means such as a magnetic card or an IC card, a monitor such as a touch panel, a normal input means such as an operation key provided in a mobile terminal, A combination with a normal input means such as a keyboard and a mouse provided in a computer can be used. Examples of the imaging means include a still camera, a video camera, a mobile phone with a camera, a smartphone with a camera, a mobile terminal with a camera such as a tablet terminal with a camera, a computer with a web camera, a head mounted display with a camera, and the like. Specific examples of the input unit 13 include an ATM, a smart phone with a camera, a tablet with a camera, a mobile terminal such as a mobile phone with a camera, a computer with a camera, and the like. Examples of the output unit 14 include a monitor that outputs an image (for example, various image display devices such as a liquid crystal display (LCD) and a cathode ray tube (CRT) display), a printer that outputs by printing, a speaker that outputs by sound, and the like. ..

Next, FIG. 3 shows a flowchart of the transfer processing method in the present embodiment. The transfer processing method of the present embodiment is carried out as follows using the transfer processing device of FIG. 1, for example. As shown in FIG. 3, the transfer processing method according to the present embodiment has an A1 step (face information acquisition), an A2 step (transfer information acquisition), an A3 step (transfer holder name face information acquisition), and an A4 step (face information determination). , And A5 step (transfer process). In the transfer processing method of the present embodiment, the A1 step, the A2 step, the A3 step, the A4 step, and the A5 step are performed in this order, but the transfer processing method of the present invention is performed in this order. There is no limitation, and for example, the A1 to A3 steps may be performed before the A4 step, and the A2 step may be performed before the A3 step. The A1 step and the A2 step may be performed in parallel, for example.

(A1) Acquisition of face information In the step A1, the face information of the transfer requester is acquired. In the step A1, for example, the face image input by the input unit, the face information of the transfer requester such as the feature points and the feature amount obtained from the face image are acquired.

(A2) Acquisition of Transfer Information In the step A2, transfer information including transfer holder information and recipient information is acquired. In the step A2, for example, the information of the financial institution having the account of the transfer holder input by the input means, the account number of the transfer holder, the transfer holder information such as name, and the recipient's account are Transfer information including information on a financial institution, the recipient's account number, name, and other recipient information is acquired. The transfer information may include, for example, information on the transfer amount.

(A3) Acquisition of transfer holder face information In the step A3, the transfer holder face information associated with the transfer holder information is acquired. In the step A3, for example, based on the transfer holder information, the transfer holder's face information associated with the transfer holder information is acquired from the data storage unit in which the transfer holder's face information is stored. When the transfer holder's face information is stored in the data storage means outside the transfer processing apparatus 10, in step A3, for example, the transfer holder's face information output from the data storage means is acquired.

(A4) Face Information Determination In the step A4, it is determined whether the face information of the transfer requester and the face information of the transfer holder match. The determination method in step A4 is not particularly limited, and for example, a conventionally known face authentication method can be cited. As a specific example, the similarity calculation between the face image of the transfer requester and the face image of the transfer holder can be performed. A method, a ratio of distances of feature points such as eyes, a nose, and a mouth in the face image, a method of using a feature amount such as a direction of a line connecting the feature points, and the like.

(A5) Transfer processing In the A5 step, if it is determined in the A4 step that the face information of the transfer requester and the face information of the transfer holder match, a transfer process is executed based on the transfer information. .. In the step A5, for example, the transfer amount and the transfer fee are reduced from the account balance of the transfer source account based on the transfer holder information and the transfer amount information, and the payee information and the transfer amount are calculated. Based on this, the transfer amount is transmitted to the transfer destination account. In the step A5, for example, when the holder confirmation information capable of confirming the transfer holder and the registered transfer holder confirmation information associated with the transfer holder information match, the transfer processing is performed. You may execute. Then, the transfer processing method of the present embodiment ends.

In the transfer processing apparatus and the transfer processing method of the present embodiment, it is determined whether the face information of the transfer requester and the face information of the transfer holder match, and if they match, the transfer process is executed. Therefore, according to the transfer processing apparatus and the transfer processing method of the present embodiment, when the transfer requester and the transfer holder are different from each other, the transfer process is not executed, so that it is possible to suppress the manual transfer fraud. Note that these effects are the same in the embodiments described later.

[Modification 1]
Modification 1 relates to a transfer processing apparatus and a transfer processing method of the present invention. For the transfer processing device and the transfer processing method of the first modification, for example, the description of the transfer processing device and the transfer processing method of the first embodiment can be applied.

In the transfer processing device of the modified example 1, when the face information determination means determines that the face information of the transfer requester and the face information of the transfer holder match, the transfer acceptance destination registered in advance is set to the transfer acceptance destination. Transfer acceptance confirmation information transmitting means for transmitting transfer information and transfer acceptance confirmation information for confirming whether or not to accept the transfer processing, and transfer acceptance information receiving means for receiving transfer acceptance information for accepting the execution of the transfer processing. It is preferable that, when the transfer approval information receiving unit receives the transfer approval information, the transfer processing unit executes the transfer process.

The transfer approval confirmation information transmitting means, in the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder match, the transfer acceptance destination registered in advance, the The transfer information and the transfer approval confirmation information for confirming whether to approve the execution of the transfer process are transmitted. The transfer approval confirmation information transmitting means transmits, for example, all or part of the transfer information. The transfer approval confirmation information transmitting means may, for example, instead of the transfer approval confirmation information, transmit information for confirming whether or not to approve execution of the transfer process, or to approve execution of the transfer process. Information may be transmitted to confirm whether or not to do so. The transfer approval confirmation information transmitting means is not particularly limited, and examples thereof include the CPU. The pre-registered transfer recipient is not particularly limited, and includes, for example, the family of the transfer holder, a supervisor, an assistant, a guardian, and an agent, and specific examples include the family of the transfer holder. , Contact of supervisor, contact of assistant, contact of guardian, contact of agent, etc. The previously registered transfer recipient may be, for example, one place or two or more places. The contact information may be, for example, a telephone number, an email address, a social networking service account, or the like.

The transfer approval information receiving unit receives transfer approval information for consenting to the execution of the transfer process. The transfer approval information receiving unit, for example, in the transfer approval confirmation information transmitting unit, when the information for confirming whether or not to approve the execution of the transfer process, approves or does not approve the execution of the transfer process. Information may be received. Further, the transfer approval information receiving means, for example, in the transfer approval confirmation information transmitting means, when transmitting the information for confirming whether or not to approve the execution of the transfer process, receives the information that does not approve the execution of the transfer process. You may. The transfer approval information receiving unit is not particularly limited and may be the CPU, for example.

In the transfer information processing method of the modified example 1, for example, in the face information determining step, when it is determined that the face information of the transfer requester and the face information of the transfer holder match, the transfer acceptance destination registered in advance is set. , A transfer consent confirmation information transmitting step for transmitting the transfer information and transfer approval confirmation information for confirming whether to accept the transfer processing, and a transfer approval for receiving the transfer approval information for confirming the execution of the transfer processing. It is preferable that the transfer processing is executed in the transfer processing step when the transfer approval information receiving step includes the information receiving step and the transfer approval information is received by the transfer approval information receiving step.

In the transfer acceptance confirmation information transmitting step, in the face information determining step, when it is determined that the face information of the transfer requester and the face information of the transfer holder are coincident with each other, the transfer acceptance destination previously registered, The transfer information and the transfer approval confirmation information for confirming whether to accept the execution of the transfer process are transmitted. In the transfer approval confirmation information transmitting step, the transfer information and the transfer approval confirmation information are transmitted to the pre-registered transfer approval destination via a communication interface, for example, by communication means such as electronic mail. When there are two or more pre-registered transfer recipients, in the transfer approval confirmation information transmitting step, the transfer information and the transfer approval confirmation information are transmitted to all or some of the pre-registered transfer recipients. To do.

In the transfer approval information receiving step, the transfer approval information for accepting the execution of the transfer process is received. In the transfer approval confirmation information receiving step, for example, the transfer approval information transmitted from the previously registered transfer approval recipient by a communication means such as an electronic mail is received via a communication interface. In the transfer consent confirmation information transmitting step, when the transfer information and the transfer approval confirmation information are transmitted to two or more pre-registered transfer consent recipients, in the transfer approval information receiving step, for example, all or one The transfer acceptance information transmitted from the pre-registered transfer approval recipient of the department is received. In this case, in the transfer process step, the transfer process is executed when, for example, one or two or more transfer acceptance information items are received.

In the transfer processing device and the transfer processing method of the first modification, the transfer information and the transfer approval confirmation information for confirming whether to approve the execution of the transfer processing are transmitted to the pre-registered transfer consent destination, and the transfer processing is performed. When the transfer approval information for accepting the execution of is received, the transfer process is executed. Therefore, according to the transfer processing device and the transfer processing method of the first modification, for example, the pre-registered transfer consent destination can confirm the content of the transfer process, and the pre-registered transfer approval destination is If the transfer process is suspicious, by not accepting the execution of the transfer process, the transfer process can be prevented from being executed, and thus the transfer fraud can be suppressed.

[Modification 2]
Modification 2 relates to the transfer processing apparatus and transfer processing method of the present invention. For the transfer processing device and the transfer processing method of the modified example 2, for example, the description of the transfer processing device and the transfer processing method of the first embodiment and the modified example 1 can be cited.

In the transfer processing device of the second modification, when the face information determination unit determines that the face information of the transfer requester and the face information of the transfer holder do not match, the transfer destination registered in advance is notified to It includes a notification information transmitting means for transmitting notification information indicating that the transfer requester and the transfer holder are different. The pre-registered report destination is not particularly limited, and examples thereof include financial institutions, security companies, police, etc., and specific examples include contact points of financial institutions, contact points of security companies, contact points of police, and the like. can give. The contact information is as described above, for example. The notification information transmitting means transmits, for example, to all or some of the previously registered notification destinations. For example, when the transfer information includes the position information of the transfer procedure destination of the transfer requester, the notification information transmitting unit may transmit the position information of the transfer procedure destination of the transfer requester. With this, the pre-registered report destination can confirm the position of the transfer requester and respond to it.For example, when the transfer requester is the criminal, it is possible to take actions such as securing the person's identity at an early stage. , It is possible to deter manual transfer fraud. The position information of the transfer procedure destination is, for example, a place where the transfer requester is performing the transfer procedure, and specific examples thereof include a location, an address, and an IP (Internet Protocol) address.

The transfer processing device according to Modification 2 is, for example, notification confirmation information transmitting means for transmitting notification confirmation information for confirming whether or not to transmit the notification information to the pre-registered transfer consent destination, and transmission of the notification information. It may include a notification consent information receiving means for receiving the notification approval information for consent. In this case, in the notification information transmitting means, when the notification approval information receiving means receives the notification approval information, the notification information is transmitted to the previously registered notification destination. By including the notification confirmation information transmitting unit and the notification approval information receiving unit, the transfer processing device of the second modification can prevent a response such as accidentally securing the identity of the transfer requester. The notification confirmation information transmitting means may further transmit face information of the transfer requester, such as a face image of the transfer requester. The notification confirmation information transmitting means is not particularly limited, and examples thereof include the CPU.

In the notification confirmation information transmitting means, for example, instead of the notification confirmation information, information for confirming whether or not to transmit the notification information may be transmitted, or information for confirming whether or not to transmit the notification information. May be sent. In the notification approval information receiving unit, for example, when the notification confirmation information sending unit sends information for confirming whether or not to send the notification information, the information accepting or not accepting the sending of the notification information is received. You may. Further, for example, in the case where the notification confirmation information transmitting unit transmits information for confirming whether or not to transmit the notification information, the notification approval information receiving unit may receive information that does not allow the transmission of the notification information. Good. The notification approval information receiving unit is not particularly limited, and may be the CPU, for example.

In the transfer processing method according to the modified example 2, in the face information determining step, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match, the transfer destination registered in advance is The method includes a notification information transmitting step of transmitting notification information indicating that the transfer requester and the transfer holder are different.

In the notification information transmitting step, the notification information is transmitted to the pre-registered notification destination via a communication interface, for example, by communication means such as electronic mail. When there are two or more pre-registered report destinations, the report information transmitting step transmits the report information to all or some of the pre-registered report destinations.

The transfer processing method of Modification 2 is, for example, a notification confirmation information transmitting step of transmitting notification confirmation information for confirming whether to transmit the notification information to the pre-registered transfer recipient, and transmitting the notification information. May include a notification consent information receiving step of receiving notification approval information for consent. In this case, the notification information transmitting step transmits the notification information to the previously registered notification destination when the notification approval information is received in the notification approval information receiving step. The transfer processing method of Modification 2 includes the notification confirmation information transmitting step and the notification acceptance information receiving step, so that it is possible to prevent a response such as accidentally securing the identity of the transfer requester. The notification confirmation information transmitting step may further transmit face information of the transfer requester, such as a face image of the transfer requester.

In the notification confirmation information transmitting step, the notification confirmation information is transmitted to the pre-registered transfer recipient by means of communication means such as e-mail, via a communication interface. When there are two or more pre-registered transfer recipients, the notification confirmation information transmitting step transmits the notification confirmation information to all or some of the pre-registered transfer recipients. Further, in the notification approval information receiving step, the notification approval information transmitted from the previously registered transfer approval recipient by communication means such as electronic mail is received through a communication interface. In the notification confirmation information transmitting step, when the notification confirmation information is transmitted to two or more pre-registered transfer consent recipients, in the notification approval information receiving step, for example, all or some of the pre-registered transfer approvals are accepted. The notification approval information transmitted from the former is received. In this case, in the notification information transmitting step, for example, when one or more transfer acceptance information is received, the notification information is transmitted to the previously registered notification destination.

In the transfer processing device and the transfer processing method of the second modification, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match, the notification information is sent to a pre-registered notification destination. Send. Therefore, according to the transfer processing device and the transfer processing method of the second modification, for example, when the transfer requester is different from the transfer holder, the pre-registered notification destination does not execute the transfer process. Since it is possible to confirm the transfer process with the transfer holder, secure the transfer requester, and the like, it is possible to prevent a manual transfer fraud.

[Modification 3]
Modification 3 relates to the transfer processing apparatus and transfer processing method of the present invention. For the transfer processing device and the transfer processing method of the modified example 3, for example, the description of the transfer processing device and the transfer processing method of the first embodiment and the modified example 1-2 can be cited.

The transfer processing device of the modification 3 is, for example, a recipient face information acquisition unit that acquires face information of the recipient associated with the recipient information, and a transfer procedure destination of the transfer requester, the face of the recipient. Includes recipient face information transmitting means for transmitting information.

The face information of the recipient is, for example, face information of the recipient stored in advance, and preferably a face image of the recipient stored in advance. The face information of the recipient is stored in, for example, a data storage unit inside or outside the transfer processing device of the third modification. The transfer procedure destination of the transfer requester is, for example, a place where the transfer requester is performing the transfer procedure, and as a specific example, a display of an ATM operated by the transfer requester, a display of a computer, or the like. Output means can be given. The recipient face information transmitting means is not particularly limited, and examples thereof include the CPU.

The transfer processing device of the third modification further includes, for example, a recipient confirmation information transmitting unit that transmits recipient confirmation information for confirming whether the recipient is correct to the transfer procedure destination of the transfer requester, and the recipient. Including transfer confirmation information receiving means for receiving transfer confirmation information confirming that the transfer confirmation information is received, when the transfer confirmation information is received in the transfer confirmation information receiving means, in the face information judging means, the transfer requester's face It is preferable to determine whether the information matches the transfer holder's face information.

The recipient confirmation information transmitting means may transmit information for confirming whether or not the recipient is correct, instead of the recipient confirmation information, or information for confirming whether or not the recipient is incorrect. You may send it. The transfer confirmation information receiving means, for example, in the recipient confirmation information transmitting means, when transmitting information for confirming whether or not the recipient is correct, the information confirming that the recipient is correct or incorrect is given. You may receive it. Further, the transfer confirmation information receiving means, for example, when the recipient confirmation information transmitting means transmits the information confirming whether the recipient is incorrect, the transfer confirmation information receiving means receives the information confirming that the recipient is incorrect. You may. The recipient confirmation information transmitting unit and the transfer confirmation information receiving unit are not particularly limited, and examples thereof include the CPU, respectively.

The transfer processing method of Modification 3 is, for example, a recipient face information acquisition step of acquiring face information of the recipient associated with the recipient information, and a face of the recipient at the transfer procedure destination of the transfer requester. The method includes a recipient face information transmitting step of transmitting information.

In the recipient face information acquisition step, for example, the recipient face information associated with the recipient information is obtained from a data storage unit in which the recipient face information is stored based on the recipient information. When the face information of the recipient is stored in the data storage means outside the transfer processing device of the third modification, in the recipient face information acquisition step, for example, the face of the recipient output from the data storage means. Get information. In the recipient face information transmitting step, for example, the recipient face information is transmitted to the transfer procedure destination of the transfer requester through a communication interface.

The transfer processing method of the modified example 3 further includes, for example, a recipient confirmation information transmitting step of transmitting recipient confirmation information confirming whether the recipient is correct to the transfer procedure destination of the transfer requester, and the recipient. Includes a transfer confirmation information receiving step of receiving transfer confirmation information that confirms that the transfer confirmation information is received, in the transfer confirmation information receiving step, when the transfer confirmation information is received, in the face information determination step, the transfer requester's face It is preferable to determine whether the information matches the transfer holder's face information.

In the recipient confirmation information transmitting step, for example, the notification confirmation information is transmitted to a transfer procedure destination of the transfer requester via a communication interface. In the transfer confirmation information receiving step, the notification approval information input from the transfer requester of the transfer requester by input means such as ATM and transmitted from the input means is received via a communication interface.

In the transfer processing device and the transfer processing method of the modification 3, the face information of the recipient is transmitted to the transfer procedure destination of the transfer requester. Therefore, according to the transfer processing device and the transfer processing method of the modified example 3, for example, the transfer requester can confirm the face information of the recipient, and thus it is confirmed whether the transfer requester is the correct recipient. it can. Therefore, according to the transfer processing apparatus and the transfer processing method of the modified example 3, for example, in the case of an incorrect recipient, it is possible to deal with the transfer processing not to be executed, and thus it is possible to prevent transfer fraud other than the manual transfer type. ..

[Embodiment 2]
FIG. 4 shows a block diagram of the transfer processing device in this embodiment. As shown in FIG. 4, the transfer processing device 30 of the present exemplary embodiment includes, in addition to the units of the transfer processing device 10 of the first exemplary embodiment, a notification confirmation information transmitting unit 116, a transfer approval confirmation information transmitting unit 117, and a notification. It includes a consent information receiving unit 118, a notification information transmitting unit 119, and a transfer consent information receiving unit 130. As shown in FIG. 4, the notification confirmation information transmitting unit 116, the transfer approval confirmation information transmitting unit 117, the notification approval information receiving unit 118, the notification information transmitting unit 119, and the transfer approval information receiving unit 130 are incorporated in the data processing unit 11. You can be. In the transfer processing device 30 of the present embodiment, the face information determination means 114 replaces the transfer processing means 115 with the notification confirmation information transmission means 116 and the transfer approval confirmation information transmission means 117, and the notification approval information reception means 118 transmits the notification. The information transmission means 119 and the transfer approval information receiving means 130 are electrically connected to the transfer processing means 115. Excluding this point, the transfer processing device of the present embodiment has the same configuration as the transfer processing device 10 of the first embodiment, and the description of the transfer processing device of the first embodiment can be applied.

In the transfer processing device of the present embodiment, the face information of the transfer requester, the transfer information, the transfer holder's face information, the face information determination result, and the transfer process result are the face information acquisition unit 111 and the transfer information, respectively. The information is stored in the information acquisition unit 112, the transfer holder face information acquisition unit 113, the face information determination unit 114, and the transfer processing unit 115. The present invention is not limited to this, and each piece of information and the result may be stored in the data storage means, and the next means may read at least one of the information and the result from the data storage means. Further, the notification confirmation information transmitting unit 116, the transfer approval confirmation information transmitting unit 117, and the notification information transmission unit 119 store the notification confirmation information, the transfer approval confirmation information, and the notification information in the data storage unit, You may send it. In this case, the communication means inside or outside the transfer processing device 30 may transmit the notification confirmation information, the transfer approval confirmation information, and the notification information, for example, via a communication interface. Further, the notification approval information receiving unit 118 and the transfer approval information receiving unit 130 store the notification approval information and the transfer approval information received via the communication interface by a communication unit inside or outside the transfer processing device 30, for example. The notification approval information and the transfer approval information may be received from the stored data storage means, respectively.

Next, FIG. 5 shows a flowchart of the transfer processing method in the present embodiment. The transfer processing method of this embodiment is carried out as follows, for example, using the transfer processing apparatus of FIG. As shown in FIG. 5, the transfer processing method according to the present embodiment includes an A1 step (acquiring face information), an A2 step (acquiring transfer information), an A3 step (acquiring transfer holder face information), and an A4′ step (face information determination). ), A5 step (transfer processing), A6 step (report confirmation information transmission), A7 step (report approval information reception), A8 step (report information transmission), A9 step (transfer approval confirmation information transmission), and A10 step (transfer) Acceptance of consent information). Regarding the order of the A1 step, the A2 step, the A3 step, the A4' step, and the A5 step, the transfer processing method of the present embodiment can use the above description, for example. 5, the same steps as those in FIG. 3 are designated by the same reference numerals.

Steps A1, A2, and A3 in FIG. 5 can be performed in the same manner as in Embodiment 1, and specifically, can be performed according to the flowchart in FIG. 3 described above.

(A4′) Face information determination In the step A4′, it is determined whether the face information of the transfer requester and the face information of the transfer holder match. If No, that is, if it is determined that the face information of the transfer requester and the face information of the transfer holder do not match, the process proceeds to step A6. On the other hand, if Yes, that is, if it is determined that the face information of the transfer requester and the face information of the transfer holder match, the process proceeds to step A9.

(A6) Transmission of Notification Confirmation Information In the step A6, notification confirmation information for confirming whether or not to transmit the notification information is transmitted to the previously registered transfer recipient. The previously registered transfer recipient may be, for example, one place or two or more places. In the latter case, in the step A6, the notification confirmation information is transmitted to all or some of the previously registered transfer recipients.

(A7) Receiving Notification Approval Information In the step A7, it is determined whether the notification approval information for consenting to the transmission of the notification information has been received. Then, in the case of No, that is, when the notification approval information is not received, the process returns to the step A7. On the other hand, if Yes, that is, if the notification approval information is received, the process proceeds to step A8. In addition, in the step A6, when information for confirming whether or not to approve the transmission of the notification information is transmitted, and in the step A7, when information not to approve the transmission of the notification information is received, for example, The transfer processing method may be ended. Further, when the notification confirmation information is transmitted in the step A6 and the notification approval information is not received within the predetermined time in the step A7, for example, the transfer processing method of the present embodiment may be terminated. ..

(A8) Notification Information Transmission In the step A8, notification information indicating that the transfer requester and the transfer holder are different is transmitted to the notification destination registered in advance. The previously registered notification destination may be, for example, one location or two or more locations. In the latter case, in the step A8, the notification information is transmitted to all or some of the previously registered notification destinations. Then, the transfer processing method of the present embodiment ends.

(A9) Transmission of Transfer Confirmation Information In the step A9, the transfer information and the transfer confirmation information for confirming whether to consent to execute the transfer process are transmitted to the pre-registered transfer destination. The previously registered transfer recipient may be, for example, one place or two or more places. In the latter case, in the step A9, the transfer information and the transfer approval confirmation information are transmitted to all or some of the pre-registered transfer recipients. In the step A9, for example, it is preferable to transmit the face information of the recipient to the previously registered transfer recipient.

(A10) Receipt of transfer approval information In the step A10, it is determined whether or not the transfer approval information for consenting to the execution of the transfer process is received. Then, in the case of No, that is, in the case where the transfer approval information has not been received, the process returns to step A10. On the other hand, if Yes, that is, if the transfer acceptance information is received, the process proceeds to step A5. In addition, when the information for confirming whether to accept the execution of the transfer process is transmitted in the step A9 and the information not to accept the execution of the transfer process is received in the step A10, for example, the present embodiment The transfer processing method may be ended. Further, when the transfer acceptance confirmation information is transmitted in the step A9 and the transfer approval information is not received within the predetermined time in the step A10, for example, even if the transfer processing method of the present embodiment is finished. Good.

Then, in step A5, similar to the first embodiment, the transfer process is executed based on the transfer information, and the transfer processing method of the present embodiment is ended.

[Third Embodiment]
The program of the present embodiment is a program that can execute the above-described transfer processing method on a computer. Alternatively, the program of this embodiment may be recorded in a computer-readable recording medium, for example. The recording medium is not particularly limited, and examples thereof include random access memory (RAM), read-only memory (ROM), hard disk (HD), optical disk, floppy (registered trademark) disk (FD), and the like.

[Embodiment 4]
FIG. 6 shows a configuration of an example of a transfer processing system using the transfer processing device of the present invention. As shown in FIG. 6, the transfer processing system of this embodiment includes input means 202a, 202b, 202c, communication interfaces 201a, 201b, 201c, and a server 220. The input means 202a is connected to the communication interface 201a. The input means 202a and the communication interface 201a are installed in the place X. The input unit 202b is connected to the communication interface 201b. The input means 202b and the communication interface 201b are installed in the place Y. The input unit 202c is connected to the communication interface 201c. The input means 202c and the communication interface 201c are installed in the place Z. The communication interfaces 201a, 201b, 201c and the server 220 are connected via the communication network 210.

In this transfer processing system, a face information acquisition unit, a transfer information acquisition unit, a transfer holder name face information acquisition unit, a face information determination unit, and a transfer processing unit are stored on the server 220 side. For example, the transfer information input using the input unit 202a at the location X is transmitted to the server 220, and the server 220 side executes the transfer process.

According to the transfer processing system of this embodiment, as described above, it is possible to suppress the transfer fraud. The transfer processing system of the present embodiment may correspond to the above-described Embodiment 2, Modification 1 or Modification 2, or a combination thereof. Further, in the transfer processing system of the present embodiment, the communication interfaces 201a, 201b, 201c and the server 220 may be connected via a wireless line.

Although the present invention has been described with reference to the exemplary embodiments, the present invention is not limited to the above exemplary embodiments. Various changes that can be understood by those skilled in the art can be made to the configuration and details of the present invention within the scope of the present invention.

According to the present invention, wire fraud can be suppressed. Therefore, the present invention can be said to be an extremely useful technique in fields such as the financial field.

10, 20, 30 Transfer processing device 11 Data processing means 111 Face information acquisition means 112 Transfer information acquisition means 113 Transfer holder face information acquisition means 114 Face information determination means 115 Transfer processing means 116 Notification confirmation information transmission means 117 Transfer acceptance confirmation information Sending means 118 Notification acceptance information receiving means 119 Notification information sending means 130 Transfer acceptance information receiving means 12 Data storage means 121 Face information storage section 122 Transfer information storage section 123 Transfer holder face information storage section 124 Face determination storage section 125 Transfer processing storage Part 13 Input means 14 Output means 201a, b, c Communication interfaces 202a, b, c Input means 210 Communication line network 220 Server

Claims (22)

Face information acquisition means for acquiring the face information of the transfer requester,
Transfer information acquisition means for acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition means for acquiring face information of a transfer holder associated with the transfer holder information,
Face information determination means for determining whether or not the face information of the transfer requester and the face information of the transfer holder are different from each other, and the transfer requester and the transfer holder are different from each other in the transfer recipient registered in advance. Notification confirmation information transmitting means for transmitting the notification confirmation information for confirming whether to transmit the notification information indicating that
Notification consent information receiving means for receiving notification approval information for consenting to transmission of the notification information,
A transfer processing means for executing a transfer process based on the transfer information,
A notification destination registered in advance, comprising a notification information transmitting means for transmitting the notification information,
In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
The notification confirmation information transmitting means transmits notification confirmation information for confirming whether to transmit the notification information to the pre-registered transfer recipient.
When the notification approval information receiving means receives the notification approval information,
The transfer information processing device, wherein the notification information transmitting means transmits the notification information to the previously registered notification destination. In the face information determining means, when it is determined that the face information of the transfer requester and the face information of the transfer holder match, the transfer information and the transfer process are executed to the transfer recipient registered in advance. Including a transfer consent confirmation information transmitting means for transmitting a transfer approval confirmation information for confirming whether to accept, and a transfer approval information receiving means for receiving transfer approval information for approving the execution of the transfer process,
In the transfer approval information receiving means, when the transfer approval information is received,
The transfer processing apparatus according to claim 1, wherein the transfer processing unit executes the transfer processing. Face information acquisition means for acquiring the face information of the transfer requester,
Transfer information acquisition means for acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition means for acquiring face information of a transfer holder associated with the transfer holder information,
Face information determination means for determining whether the face information of the transfer requester and the face information of the transfer holder match,
Recipient face information acquisition means for acquiring face information of the recipient associated with the recipient information,
Recipient face information transmitting means for transmitting face information of the recipient to the transfer procedure destination of the transfer requester,
To a pre-registered transfer recipient, the transfer information, transfer approval confirmation information for confirming whether to approve the execution of the transfer process, and transfer approval confirmation information transmitting means for transmitting the face information of the recipient,
A transfer approval information receiving means for receiving transfer approval information for approving the execution of the transfer process,
A transfer processing unit that executes a transfer process based on the transfer information,
In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder are coincident,
The transfer approval confirmation information transmitting means transmits the transfer information, the transfer approval confirmation information, and the face information of the recipient to the pre-registered transfer approval destination,
In the transfer approval information receiving means, when the transfer approval information is received,
A transfer processing apparatus, wherein the transfer processing means executes the transfer processing. 4. The pre-registered transfer recipient is at least one selected from the group consisting of the transfer holder's family, supervisor, assistant, guardian, and agent contact information. The transfer processing device according to any one of claims. In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
The transfer process according to any one of claims 1 to 4, further comprising: notification information transmitting means for transmitting notification information indicating that the transfer requester and the transfer holder are different, to a pre-registered notification destination. apparatus. The transfer information includes position information of a transfer procedure destination of the transfer requester,
The transfer processing device according to claim 1, 2 or 5, wherein the notification information transmitting unit transmits the position information of the transfer procedure destination of the transfer requester. The transfer processing device according to claim 1, 2, 5 or 6, wherein the pre-registered report destination is at least one selected from the group consisting of a financial institution, a security company, and a police. Recipient face information obtaining means for obtaining face information of the recipient associated with the recipient information, and recipient face information transmitting means for transmitting the face information of the recipient to the transfer procedure destination of the transfer requester. The transfer processing device according to claim 1 or 2, including the transfer processing device. Recipient confirmation information transmitting means for transmitting the recipient confirmation information for confirming whether the recipient is correct, and the transfer confirmation information for confirming that the recipient is correct, to the transfer procedure destination of the transfer requester Including confirmation information receiving means,
In the transfer confirmation information receiving means, when the transfer confirmation information is received,
9. The transfer processing device according to claim 3, wherein the face information determination means determines whether the face information of the transfer requester and the face information of the transfer holder match. A face information acquisition step of acquiring the face information of the transfer requester,
A transfer information acquisition step of acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition step of acquiring face information of the transfer holder associated with the transfer holder information,
A face information determination step of determining whether or not the face information of the transfer client and the face information of the transfer holder are different from each other, and the transfer requester and the transfer holder are different from each other in a transfer recipient registered in advance. And a notification confirmation information transmitting step for transmitting the notification confirmation information for confirming whether to transmit the notification information indicating that
A notification consent information receiving step of receiving notification approval information for consenting to transmission of the notification information;
A transfer processing step of executing a transfer processing based on the transfer information,
A notification information transmitting step of transmitting the notification information to a previously registered notification destination,
In the face information determination step, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
The notification confirmation information transmitting step transmits notification confirmation information confirming whether to transmit the notification information to the pre-registered transfer recipient.
When the notification approval information receiving step receives the notification approval information,
The notification information transmitting step transmits the notification information to the pre-registered notification destination ,
A transfer processing method, wherein each of the steps is executed by a computer . In the face information determination step, when it is determined that the face information of the transfer requester and the face information of the transfer holder match, the transfer information and the transfer process are executed to the transfer recipient registered in advance. Including a transfer approval confirmation information transmitting step for transmitting a transfer approval confirmation information for confirming whether to accept, and a transfer approval information receiving step for receiving transfer approval information for approving the execution of the transfer processing,
When the transfer approval information receiving step receives the transfer approval information,
The transfer processing method according to claim 10, wherein the transfer processing is executed in the transfer processing step. A face information acquisition step of acquiring the face information of the transfer requester,
A transfer information acquisition step of acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition step of acquiring face information of the transfer holder associated with the transfer holder information,
A face information determination step of determining whether the face information of the transfer client and the face information of the transfer holder match.
A recipient face information obtaining step of obtaining recipient face information associated with the recipient information;
A recipient face information transmitting step of transmitting face information of the recipient to a transfer procedure destination of the transfer client;
To a pre-registered remittance recipient, the remittance information, a remittance acceptance confirmation information for confirming whether to approve the execution of the remittance processing, and a remittance acceptance confirmation information transmitting step for transmitting the face information of the recipient,
A transfer approval information receiving step of receiving transfer approval information for approving the execution of the transfer process;
A transfer processing step of executing a transfer processing based on the transfer information,
In the face information determining step, when it is determined that the face information of the transfer requester and the face information of the transfer holder match,
The transfer consent confirmation information transmitting step transmits the transfer information, the transfer approval confirmation information, and the face information of the recipient to the pre-registered transfer consent recipient,
In the transfer consent information receiving step, when the transfer approval information is received,
In the transfer processing step, the transfer processing is executed ,
A transfer processing method, wherein each of the steps is executed by a computer . 13. The pre-registered transfer recipient is at least one selected from the group consisting of the transfer holder's family member, supervisor, assistant, guardian, and agent contact information. The transfer processing method according to any one of claims. In the face information determination step, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
The transfer process according to any one of claims 10 to 13, further comprising: a notification information transmitting step of transmitting notification information indicating that the transfer requester and the transfer holder are different to a previously registered notification destination. Method. The transfer information includes position information of a transfer procedure destination of the transfer requester,
The transfer processing method according to claim 10, 11 or 14, wherein in the notification information transmitting step, position information of a transfer procedure destination of the transfer requester is transmitted. The transfer processing method according to claim 10, 11, 14 or 15, wherein the pre-registered report destination is at least one selected from the group consisting of a financial institution, a security company, and a police. A recipient face information acquisition step of obtaining the recipient face information associated with the recipient information, and a recipient face information transmission step of transmitting the recipient face information to the transfer procedure destination of the transfer requester. The transfer processing method according to claim 10 or 11, further comprising: Recipient confirmation information transmitting step for transmitting the recipient confirmation information for confirming whether the recipient is correct to the transfer procedure destination of the transfer requester, and transfer for receiving the transfer confirmation information confirming that the recipient is correct Including the confirmation information receiving step,
In the transfer confirmation information receiving step, when the transfer confirmation information is received,
18. The transfer processing method according to claim 12, wherein in the face information determining step, it is determined whether the face information of the transfer requester and the face information of the transfer holder match. A program for causing a computer to execute each step of the transfer processing method according to any one of claims 10 to 18. A computer-readable recording medium on which the program according to claim 19 is recorded. Including a terminal and a server,
The terminal and the server are connectable via a communication network outside the system,
The terminal is
Including an input means for inputting the transfer client face information, and transfer information including transfer holder information and recipient information,
The server is
Face information acquisition means for acquiring the face information of the transfer requester,
Transfer information acquisition means for acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition means for acquiring face information of a transfer holder associated with the transfer holder information,
Face information determination means for determining whether the face information of the transfer requester and the face information of the transfer holder are different from each other, and the transfer requester and the transfer holder are different from each other in the transfer recipient registered in advance. Notification confirmation information transmitting means for transmitting the notification confirmation information for confirming whether to transmit the notification information indicating that
Notification consent information receiving means for receiving notification approval information for consenting to transmission of the notification information,
A transfer processing means for executing a transfer process based on the transfer information,
A notification destination registered in advance, comprising a notification information transmitting means for transmitting the notification information,
In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder do not match,
The notification confirmation information transmitting means transmits notification confirmation information for confirming whether to transmit the notification information to the pre-registered transfer recipient.
When the notification approval information receiving means receives the notification approval information,
The transfer information processing system, wherein the notification information transmitting means transmits the notification information to the previously registered notification destination. Including a terminal and a server,
The terminal and the server are connectable via a communication network outside the system,
The terminal is
Including an input means for inputting the transfer client face information, and transfer information including transfer holder information and recipient information,
The server is
Face information acquisition means for acquiring the face information of the transfer requester,
Transfer information acquisition means for acquiring transfer information including transfer holder information and recipient information,
A transfer holder face information acquisition means for acquiring face information of a transfer holder associated with the transfer holder information,
Face information determination means for determining whether the face information of the transfer requester and the face information of the transfer holder match,
Recipient face information acquisition means for acquiring face information of the recipient associated with the recipient information,
Recipient face information transmitting means for transmitting face information of the recipient to the transfer procedure destination of the transfer requester,
To a pre-registered transfer recipient, the transfer information, transfer approval confirmation information for confirming whether to approve the execution of the transfer process, and transfer approval confirmation information transmitting means for transmitting the face information of the recipient,
A transfer approval information receiving means for receiving transfer approval information for approving the execution of the transfer process,
A transfer processing unit that executes a transfer process based on the transfer information,
In the face information determination means, when it is determined that the face information of the transfer requester and the face information of the transfer holder are coincident,
The transfer approval confirmation information transmitting means transmits the transfer information, the transfer approval confirmation information, and the face information of the recipient to the pre-registered transfer approval destination,
In the transfer approval information receiving means, when the transfer approval information is received,
The transfer processing system, wherein the transfer processing means executes the transfer processing.

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