JP7122333B2 - Information processing device and information processing method - Google Patents

Description

The present invention relates to an information processing device and an information processing method.

The person in charge of public institutions such as the National Tax Agency, the National Taxation Bureau, and the tax office will conduct transaction inquiries to financial institutions that are business partners of the target company when necessary for tax investigations, collection of delinquency, criminal investigations, etc. there is As described in Non-Patent Document 1, in transaction inquiries, a person in charge of a public institution mails an inquiry document to a financial institution that is an inquiry destination. The system is operated so that the institution writes down the answers and returns them.

"Regarding transaction inquiries for financial institutions", [online], March 2014, National Tax Agency, [searched February 23, 2018], Internet <URL: http://www8.cao.go.jp/kisei- kaikaku/kaigi/meeting/2013/wg2/sogyo/140312/item1.pdf＞

However, in the current operation, the form of the inquiry document differs depending on the public institution making the inquiry, the purpose of the inquiry, etc., so there is a problem that the financial institution receiving the inquiry cannot streamline the work of preparing answers. . In addition, since financial institutions are forced to respond based on the law, there is the problem that they cannot recover the work costs. Then, as disclosed in Non-Patent Document 1, a proposal was made to the National Tax Agency to efficiently conduct transaction inquiries, such as centralizing inquiry contact points on the side of the national tax authorities, unifying inquiry document formats, and digitizing transaction inquiries. Although it is being done, it is still insufficient.

SUMMARY OF THE INVENTION It is an object of the present invention to provide an information processing apparatus and an information processing method capable of efficiently making a transaction inquiry from a requesting institution to a financial institution.

In order to achieve the above object, the information processing device according to the first aspect of the present invention includes:
Inquiry request receiving means for receiving an inquiry request from a public institution, including the content of the transaction inquiry, financial institution identification information for identifying the financial institution to which the inquiry is made, and target person identification information for identifying the subject of the transaction inquiry. ,
a storage means for storing API-compliant financial institution information indicating whether the financial institution is an API-compliant financial institution;
determining whether or not the financial institution specified by the inquiry request is an API-compatible financial institution based on the API-compatible financial institution information, and if the financial institution is an API-compatible financial institution, determining means for determining that a first condition is satisfied, and determining that a second condition is satisfied if the financial institution is an API-incompatible financial institution;
When the determining means determines that the first condition is satisfied, the target person is specified based on the target person specifying information, and an inquiry API of the financial institution specified by the financial institution specifying information is called, and the financial institution is called. an inquiry result information generating means for acquiring an inquiry result of a subject identified by an institution and generating first inquiry result information;
inquiry request file transmission means for transmitting an inquiry request file containing the contents of the transaction inquiry to the financial institution when the determination means determines that the second condition is satisfied;
inquiry result information receiving means for receiving second inquiry result information from the financial institution to which the inquiry request file transmission means has transmitted the inquiry request file;
inquiry result information transmitting means for transmitting the first inquiry result information and the second inquiry result information to the public institution;
Prepare.

When the inquiry results obtained by the inquiry result information generating means include inquiry results of a plurality of candidate candidates identified by the financial institution, the inquiry results of the plurality of candidate candidates are transmitted to the public institution. further comprising transmission permission/inhibition determination means for determining whether or not to
The inquiry request file transmission means transmits the inquiry request file to the financial institution when the transmittability determination means determines not to transmit the inquiry request file to the public institution.
You may do so.

The transmittability determining means determines, for each financial institution, whether or not the inquiry results of the plurality of candidate candidates are to be transmitted to the public institution, based on the financial institution setting information. Determining whether to transmit to the public institution,
You may do so.

The storage means further stores public institution setting information indicating whether or not to transmit inquiry results of the plurality of candidate candidates to the public institution for each public institution;
The transmission enable/disable determination means determines whether or not to transmit the inquiry result of the plurality of candidate candidates to the public institution based on the public institution setting information.
You may do so.

The inquiry result information generating means designates the target person based on the My Number in the case of an individual and the corporate number in the case of a corporation among the information included in the target person identification information when calling the inquiry API. However, in the case of an individual whose My Number is not included in the above information for identifying the subject, specify the subject based on the Kana name and date of birth, and the corporation whose corporate number is not included in the above information for identifying the subject In the case of, specify the target person based on the kana name and the date of establishment,
You may do so.

In order to achieve the above object, an information processing method according to a second aspect of the present invention comprises:
An inquiry request receiving means receives an inquiry request from a public institution, including contents of the transaction inquiry, financial institution identification information for identifying the financial institution to which the inquiry is made, and target person identification information for identifying the subject of the transaction inquiry. a query request receiving step for
a storage step in which the storage means stores API-compliant financial institution information indicating whether the financial institution is an API-compliant financial institution;
determining means for determining whether the financial institution specified by the inquiry request is an API-compatible financial institution based on the API-compatible financial institution information, and determining whether the financial institution is an API-compatible financial institution; a determination step of determining that a first condition is satisfied if the financial institution is a financial institution that does not support APIs, and determining that a second condition is satisfied;
If the inquiry result information generating means determines that the first condition is satisfied in the determination step, the target person is specified based on the target person specifying information and an inquiry is made to the financial institution specified by the financial institution specifying information. an inquiry result information generating step of calling an API for obtaining the inquiry result of the subject identified by the financial institution and generating first inquiry result information;
an inquiry request file transmission step of transmitting an inquiry request file including the contents of the transaction inquiry to the financial institution when the inquiry request file transmission means determines that the second condition is satisfied by the determination means;
inquiry result information receiving means for receiving second inquiry result information from the financial institution to which the inquiry request file was sent in the inquiry request file sending step;
an inquiry result information transmission step in which the inquiry result information transmission means transmits the first inquiry result information and the second inquiry result information to the public institution;
Prepare.

ADVANTAGE OF THE INVENTION According to this invention, the information processing apparatus and information processing method which can perform transaction inquiry to a financial institution efficiently from a requesting institution can be provided.

1 is a conceptual diagram of an information processing device according to Embodiment 1 of the present invention; FIG. FIG. 4 is a diagram showing an example of an inquiry request file according to Embodiment 1 of the present invention; FIG. 1 is a functional block diagram of an information processing device according to Embodiment 1 of the present invention; FIG. FIG. 2 is a diagram showing an example of API compatible financial institution information according to Embodiment 1 of the present invention; It is a figure showing an example of API correspondence item information concerning Embodiment 1 of the present invention. 1 is a hardware configuration diagram of an information processing apparatus according to Embodiment 1 of the present invention; FIG. 4 is a flowchart of inquiry processing of the information processing apparatus according to Embodiment 1 of the present invention; FIG. 5 is a functional block diagram of an information processing device according to Embodiment 2 of the present invention; FIG. 10 is a diagram showing an example of financial institution setting information according to Embodiment 2 of the present invention; It is a figure showing an example of the public institution setting information which concerns on Embodiment 2 of this invention. 9 is a flowchart of inquiry processing of the information processing device according to Embodiment 2 of the present invention.

(Embodiment 1)
Hereinafter, an embodiment in which an information processing apparatus of the present invention is applied to a system for performing transaction inquiry business from a public institution to a financial institution will be described with reference to the drawings.

As shown in FIG. 1, the information processing apparatus 1 according to the present embodiment receives an inquiry request file SF from a public institution 2 and uses an inquiry API (Application Programming Interface) of the financial institution 3 according to the conditions described later. or send an inquiry request file SF to the financial institution 3, or both. When the information processing device 1 calls the inquiry API of the financial institution 3, the information processing device 1 generates first inquiry result information from the returned inquiry result, and transmits the first inquiry result information to the public institution 2, which is the source of the inquiry. Further, when the information processing device 1 transmits the inquiry request file to the financial institution 3, the information processing device 1 receives the second inquiry result information and transmits it to the public institution 2 as it is.

Public institutions 2 are various institutions such as local governments, the National Tax Agency, tax offices, the Japan Pension Service, the police, courts, etc., and make transaction inquiries to financial institutions 3 under the pretext of asset investigations, tax investigations, criminal investigation cooperation investigations, etc. This is the originating institution of the inquiry. Inquiries are directed to individuals or corporations, including taxpayers, taxpayers, public assistance recipients, public assistance recipients, delinquent taxpayers, and suspects.

The financial institutions 3 are various institutions such as banks, credit unions, insurance companies, and securities companies, and are institutions to which public institutions 2 make inquiries about transactions.

The inquiry request file SF transmitted from the public institution 2 to the information processing device 1 contains basic information of the survey such as the response deadline and survey reference date, My Number, current address, previous address, name in kana, as shown in FIG. , name, date of birth, gender, etc., to identify the person to be inquired, presence or absence of deposits and savings, type of deposit and savings, account opening date, account number, balance as of the survey reference date, survey criteria Inquiry item information representing transaction inquiries, such as the status of transactions for the six months prior to Japan and copies of identity verification documents. The file format of the inquiry request file SF is a computer-readable format such as a fixed-length file, CSV (Comma-Separated Values), or XML (Extensible Markup Language).

Next, the functional configuration of the information processing device 1 will be described with reference to FIG. The information processing device 1 includes an inquiry request receiving unit 11, an API compatible financial institution determining unit 12, an API compatible item determining unit 13, an API linking unit 14, an inquiry request file transmitting unit 15, and an inquiry result information receiving unit 16. , an inquiry result information generation unit 17 , and an inquiry result information transmission unit 18 .

The inquiry request receiving unit 11 receives from the public institution 2 an inquiry request including an inquiry request file SF representing the content of the transaction inquiry and a financial institution name specifying the financial institution 3 to which the inquiry is made. As an inquiry destination, one financial institution 3 may be designated, or a plurality of financial institutions 3 may be designated. In fact, public institutions 2 such as local governments, tax offices, and police often make transaction inquiries to a plurality of financial institutions 3 in order to investigate all the funds of the target person. In addition, the inquiry request receiving unit 11 may receive the inquiry request file SF of one subject in one reception, or may receive the inquiry request file SF of a plurality of subjects collectively. . The method of receiving the inquiry request file SF includes various methods such as FTP (File Transfer Protocol) and e-mail attachment.

The API compatible financial institution determination unit 12 determines whether each financial institution specified in the inquiry request received by the inquiry request receiving unit 11 is API compatible. Specifically, the API-compatible financial institution determination unit 12 holds API-compatible financial institution information AK as shown in FIG. 4, and refers to this to perform determination. The API compatible financial institution information AK is information indicating whether or not each financial institution is API compatible. The API-compatible financial institution 3 prepares an inquiry API in a server (not shown), makes the inquiry API available from the information processing device 1, and performs processing in response to an inquiry request from the information processing device 1. Execute and provide query results.

The API compatibility item determination unit 13 determines whether each inquiry item included in the inquiry request file SF received by the inquiry request reception unit 11 is API compatible. Specifically, the API corresponding item determination unit 13 holds API corresponding item information AF as shown in FIG. 5, and refers to this to perform determination. The API-compatible item information AF is information indicating whether or not each query item is API-compatible. For example, the inquiry items in the inquiry request file SF may include items that are technically not compatible with the API, such as a copy of an identity verification document. Therefore, the API correspondence item information AF enables processing for each inquiry item as described later by specifying in advance whether or not each inquiry item corresponds to the API.

The API linking unit 14 determines that the API compatible financial institution determining unit 12 supports the API for the inquiry item determined by the API compatible item determining unit 13 to correspond to the API for inquiry of the financial institution 3. to receive the query results. When calling the inquiry API, the API linking unit 14 designates the subject based on the subject identification information included in the inquiry request file SF. Specifically, the API linking unit 14 designates a target person based on my number in the case of an individual, and based on a corporate number in the case of a corporation. However, if My Number or Corporate Number is not included in the target person identification information included in the inquiry request file SF, such as when the address is indefinite, the API linking unit 14 will set the Kana name for the individual and the name of the corporation. In cases, after normalizing the kana name, specify the target person based on the kana name and date of birth for individuals, and based on the kana name and date of establishment for corporations. It should be noted that the normalization means, for example, that in the kana name of a corporation, variations in notation such as "turnip", "(turnip", and "kabushikigaisha") are absorbed and the format is matched. , in response to the call of the inquiry API, searches the information system owned by itself, and transmits the inquiry result to the information processing apparatus 1. This inquiry result includes the case where there is no applicable person. The unit 14 acquires the inquiry result of the specified subject by calling the inquiry API.

The inquiry request file transmission unit 15 transmits the inquiry request file SF to the financial institution 3 that the API compatible financial institution determination unit 12 has determined does not support API. In addition, the inquiry request file transmission unit 15 adds the API correspondence item to the inquiry request file SF received by the inquiry request reception unit 11 for the financial institution 3 that the API-compliant financial institution judgment unit 12 has judged to be API-compliant. If the determination unit 13 determines that the inquiry item is not compatible with the API, the inquiry request file SF is transmitted. The method of transmitting the inquiry request file SF in the inquiry request file transmission unit 15 includes various methods such as FTP and mail attachment.

The inquiry result information receiving unit 16 receives the second inquiry result information returned from the financial institution 3 to which the inquiry request file transmission unit 15 has transmitted the inquiry request file SF. In practice, the second inquiry result information from financial institution 3 may not be returned immediately. The method of receiving the second inquiry result information includes various methods such as FTP and mail attachment.

The inquiry result information generation unit 17 generates first inquiry result information to be transmitted to the public institution 2 based on the inquiry result received by the API cooperation unit 14 from the financial institution 3 . Specifically, the inquiry result information generation unit 17 reads the inquiry result, converts it into a file format predetermined as the first inquiry result information, and generates the first inquiry result information. The first inquiry result information and the second inquiry result information may be files in a computer-readable format such as a fixed-length file, CSV, or XML, like the inquiry request file SF.

The inquiry result information transmitting unit 18 sends the second inquiry result information received by the inquiry result information receiving unit 16 from the financial institution 3 and the first inquiry result information generated by the inquiry result information generating unit 17 to the inquiry source public company. Send to public agency 2. The transmission method in the inquiry result information transmission unit 18 includes various methods such as FTP and mail attachment.

Next, the hardware configuration of the information processing device 1 will be described with reference to FIG. The information processing apparatus 1 includes a CPU (Central Processing Unit) 101 that executes various processes, a RAM (Random Access Memory) 102 that is a volatile memory, a ROM (Read Only Memory) 103 that is a nonvolatile memory, and various It has a hard disk drive 104 that stores information and a network card 105 that is an interface with a communication line.

The CPU 101 reads programs stored in the hard disk drive 104 into the RAM 102 and executes them, thereby executing various processes described later.

A RAM 102 is used as a work area for the CPU 101 .

The ROM 103 stores a control program for basic operations of the information processing apparatus 1 executed by the CPU 101, a BIOS (Basic Input Output System), and the like.

The hard disk drive 104 is a medium for storing information, and stores the aforementioned API-compatible financial institution information AK, API-compatible item information AF, and the like.

The CPU 101 , RAM 102 , ROM 103 and hard disk drive 104 cooperate to function as the API compatible financial institution determination unit 12 , API compatible item determination unit 13 or inquiry result information generation unit 17 described above.

The network card 105 is an interface with a communication line and is connected to the public institution 2 and the financial institution 3 so as to be communicable. Specifically, it is connected to servers, terminals, etc. provided by the public institution 2 and the financial institution 3 . The network card 105 may be directly connected to each public institution 2 and each financial institution 3, or may be connected via a network such as the Internet, intranet, VPN (Virtual Private Network), LAN (Local Area Network), or the like. It's okay to be. Also, the communication method may be wired or wireless. The network card 105 cooperates with the CPU 101, the RAM 102 and the ROM 103 to function as the aforementioned inquiry request receiving unit 11, API linking unit 14, inquiry request file transmitting unit 15, inquiry result information receiving unit 16 or inquiry result information transmitting unit 18. do.

Next, operations of the information processing apparatus 1 will be described with reference to the drawings. Upon receiving a query processing execution request from the public institution 2, the information processing device 1 starts the query processing shown in FIG.

When the information processing device 1 starts inquiry processing, as shown in FIG. 7, the inquiry request receiving unit 11 receives a transaction inquiry request designating the financial institution 3 together with an inquiry request file SF (step S11). Here, the information received in step S11 includes information designating the financial institution 3 to be referred to for each subject. In this step S11, the inquiry request receiving unit 11 makes an inquiry including the content of the transaction inquiry, the financial institution identification information that identifies the financial institution 3 to which the inquiry is made, and the target person identification information that identifies the target person of the transaction inquiry. It functions as inquiry request receiving means for receiving a request from the public institution 2 . Also, step S11 functions as an inquiry request receiving step for receiving an inquiry request.

When there are a plurality of received inquiry request files SF, that is, when they include transaction inquiries of a plurality of subjects, the information processing apparatus 1 executes the following process for each subject. Further, when there are a plurality of financial institutions 3 to which inquiries are made, the information processing device 1 performs the following processing for each designated financial institution.

The API compatible financial institution determination unit 12 determines whether or not the financial institution 3 designated as the inquiry destination financial institution 3 by the inquiry request file SF received in step S11 is API compatible. The API compatible financial institution information AK is referred to for determination (step S12).

When the API compatible financial institution determination unit 12 determines that the financial institution supports API (step S12: Yes), the API compatible item determination unit 13 refers to the API compatible item information AF stored in the hard disk drive 104. Then, it is determined whether or not the inquiry request file SF received in step S11 includes API correspondence items (step S13).

When the API correspondence item determination unit 13 determines that the inquiry request file SF includes an API correspondence item (step S13: Yes), the API cooperation unit 14 specifies the target person and accesses the inquiry API of the financial institution 3. call. The API linking unit 14 then receives the inquiry result from the financial institution 3 (step S14).

Next, the inquiry result information generation unit 17 generates first inquiry result information based on the inquiry result received by the API cooperation unit 14 . Then, the inquiry result information transmitting unit 18 transmits the first inquiry result information (step S15).

In steps S14 and S15, the API linking unit 14 and the inquiry result information generating unit 17 cooperate to specify a target person based on the target person specifying information and make an inquiry to the financial institution 3 specified by the financial institution specifying information. It functions as an inquiry result information generating means that calls the API for use, acquires the inquiry result of the target person specified by the financial institution 3, and generates the first inquiry result information. Also, steps S14 and S15 function as an inquiry result information generating step for generating the first inquiry result information.

Subsequently, the API-compatible item determination unit 13 refers to the API-compatible item information AF and determines whether or not the inquiry request file SF received in step S11 includes an API-incompatible item (step S16).

In steps S12, S13 and S16, the API-compatible financial institution determination unit 12 and the API-compatible item determination unit 13 individually or in cooperation with each other so that the transaction inquiry request satisfies the first condition and the second condition. It functions as determination means for determining whether or not. Further, these steps S12, S13 and S16 function as determination steps for determining whether or not the transaction inquiry request satisfies the first condition and the second condition.

When the API correspondence item determination unit 13 determines that the inquiry request file SF does not include an API correspondence item (step S13: No), the inquiry process skips the processes of steps S14 and S15, and proceeds to the process of step S16. move on.

When the API compatible item determination unit 13 determines that the inquiry request file SF includes an API non-compatible item (step S16: Yes), the inquiry request file transmission unit 15 transmits the inquiry request file SF to the financial institution 3 ( step S17). In this step S17, the inquiry request file transmission section 15 functions as inquiry request file transmission means for transmitting the inquiry request file SF to the financial institution 3. FIG. Further, this step S17 functions as an inquiry request file transmission step for transmitting the inquiry request file SF to the financial institution 3. FIG.

Based on the received inquiry request file SF, the financial institution 3 searches the information system it manages to generate second inquiry result information, and sends the generated second inquiry result information to the information processing apparatus 1. is processed to be sent to If both API-compatible items and API-incompatible items are included, the financial institution 3 that has received the inquiry request file SF returns the inquiry result of the corresponding items using the inquiry API in step S14. Therefore, processing is performed to include only other inquiry items, such as a copy of the personal identification document, in the second inquiry result information. Then, the inquiry result information receiving unit 16 of the information processing device 1 receives the second inquiry result information from the financial institution 3 . Then, the inquiry result information transmitting unit 18 transmits the second inquiry result information to the public institution 2 (step S18). In this step S18, the inquiry result information receiving unit 16 functions as inquiry result information receiving means for receiving the second inquiry result information from the financial institution 3. FIG. Also, this step S18 functions as an inquiry result information receiving step for receiving the second inquiry result information from the financial institution 3 .

Further, in steps S15 and S18, the inquiry result information transmission unit 18 functions as inquiry result information transmission means for transmitting the first inquiry result information and the second inquiry result information to the public institution 2. FIG. Further, these steps S15 and S18 function as an inquiry result information transmission step for transmitting the first inquiry result information and the second inquiry result information to the public institution 2. FIG.

In step S16, when the API compatible item determination unit 13 determines that the inquiry request file SF does not include an API non-compatible item (step S16: No), the information processing apparatus 1 proceeds to the processing of step S19 described later.

Also, in step S12, when the API-compatible financial institution determination unit 12 determines that the financial institution is not API-compatible (step S12: No), the inquiry process proceeds to step S17. In this case, all inquiry items are included in the inquiry request file SF transmitted in step S17. Then, on the side of the financial institution 3 that has received the inquiry request file SF, second inquiry result information including the inquiry results for all the inquiry items included in the inquiry request file SF is generated and transmitted to the information processing device 1. be done.

Then, the inquiry result information receiving unit 16 of the information processing device 1 receives the second inquiry result information from the financial institution 3 . Then, the inquiry result information transmitting unit 18 transmits the second inquiry result information to the public institution 2 (step S18).

If it is determined that the inquiry request file SF does not contain API-incompatible items (step S16: No), or following step S18, the information processing device 1 determines whether the unprocessed target person or the unprocessed financial institution 3 is It is determined whether or not there is any left (step S19). When the information processing device 1 determines that there are unprocessed target persons or unprocessed financial institutions 3 left (step S19: Yes), the process returns to step S12.

On the other hand, when the information processing device 1 determines that there are no unprocessed target persons or unprocessed financial institutions 3 left (step S19: No), the inquiry process ends.

According to the information processing apparatus 1 according to the present embodiment, if the financial institution 3 prepares an inquiry API, the work of generating the second inquiry result information can be greatly reduced, which is efficient. In addition, since files can be sent and received even to financial institutions that do not support APIs, flexibility is high.

Further, by determining whether or not each inquiry item corresponds to the API, it is possible to perform inquiry processing using the API for the item corresponding to the API. Therefore, even if only some of the inquiry items do not support the API, the financial institution 3 only needs to generate the second inquiry result information for those inquiry items. easy to make use of.

(Embodiment 2)
In the first embodiment, the example of generating the first query result information based on the query result returned in response to the call of the query API in the query process has been exemplified. In the present embodiment, an example is illustrated in which processing is added for a case in which a query result returned in response to a query API call includes a plurality of candidate candidates. In the following, this embodiment will be described with a focus on the parts that differ from the first embodiment.

The information processing apparatus 1 according to the present embodiment further includes a transmittability determination unit 19 in addition to the functional configuration described in the first embodiment, as shown in FIG.

The transmittability determining unit 19 determines whether or not to transmit the first query result information to the public institution 2 based on the query result received by the API linking unit 14 . Specifically, the transmittability determining unit 19 holds financial institution setting information KS as shown in FIG. 9 and public institution setting information PS as shown in FIG. The financial institution setting information KS is information indicating whether or not to transmit inquiry results of a plurality of candidate candidates for each financial institution. Also, the public institution setting information PS is information indicating whether or not to transmit inquiry results of a plurality of candidate candidates for each public institution. Both financial institution setting information KS and public institution setting information PS are stored in hard disk drive 104 .

In practice, a query result containing multiple candidate candidates occurs when the financial institution 3 cannot uniquely identify the candidate. Therefore, in order to avoid the risk of leaking the wrong personal information of the target, the financial institution may not want to transmit to the public institution 2 if the target cannot be uniquely identified. Therefore, the financial institution setting information KS is setting information for enabling setting of whether or not transmission is permitted for each financial institution. Further, some public institutions want to obtain even a small amount of possible information for purposes such as criminal investigations. Therefore, setting information for enabling setting of whether or not transmission is permitted for each public institution is public institution setting information PS.

It should be noted that how to judge when the financial institution setting information KS and the public institution setting information PS differ in whether or not transmission is permitted is set in advance. For example, a rule may be set to determine that transmission is not possible when either one of them is not allowed to be sent.

Inquiry processing of the information processing apparatus 1 according to the present embodiment will be described with reference to FIG.

In step S14, when the API linking unit 14 receives the inquiry result, the transmittability determination unit 19 determines whether or not a plurality of candidate candidates are included in the inquiry result (step S20). In step S<b>20 , the transmittability determination unit 19 functions as a transmittability determination unit that determines whether or not to transmit the inquiry results of the plurality of candidate candidates to the public institution 2 .

Then, when the transmittability determination unit 19 determines that a plurality of candidate candidates are included in the inquiry result (step S20: Yes), the financial institution setting information KS and the public institution setting information PS stored in the hard disk drive 104 are By referring to it, it is determined whether or not to transmit the inquiry result of a plurality of candidate candidates to the public institution 2 (step S21).

When the transmittability determination unit 19 determines that the inquiry results of the plurality of candidate candidates are to be transmitted to the public institution 2 (step S21: Yes), the process proceeds to step S15, and the inquiry result information generation unit 17 generates the first inquiry. Generate result information. Then, the inquiry result information transmitting unit 18 transmits the first inquiry result information.

On the other hand, when the transmittability determining unit 19 determines not to transmit the inquiry results of the plurality of candidate candidates to the public institution 2 (step S21: No), the process proceeds to step S17. In this case, in step S17, the financial institution 3 that has received the inquiry request file SF identifies the person to be inquired based on the information of the person to be inquired contained in the inquiry request file SF, such as the current address and previous address. The financial institution 3 then generates second inquiry result information and transmits it to the information processing device 1 .

Further, in step S20, when the transmission propriety determination unit 19 determines that the inquiry result does not include a plurality of candidate candidates (step S20: No), the process proceeds to step S15.

According to the information processing apparatus 1 according to the present embodiment, in response to the case where the inquiry API cannot uniquely identify the target person, the inquiry result including a plurality of target person candidates is transmitted to the public institution 2. It is possible to finely set for each public institution 2 and financial institution 3 whether or not to This reduces the risk of erroneously leaking personal information.

(Modification)
The present invention is not limited to the embodiments described above, and various other modifications are possible.

In the above-described embodiments, examples in which information such as public institutions, financial institutions, inquiry items, etc. are represented by names including hiragana, kanji, etc., have been illustrated in each drawing. In order to increase the accuracy of identifying the identity of these pieces of information, identifiers made up of numbers, alphabetic characters, etc. may be used as IDs. In particular, the inquiry request received by the inquiry request receiving unit 11 from the public institution 2 includes the name of the financial institution. Any form of information such as the name, ID, etc. of the institution may be used.

In the above-described embodiment, the processing flow of inquiry processing shown in FIGS. 7 and 11 is an example, and the order of processing does not have to be exactly this. Also, a plurality of processes may be performed in parallel. For example, in FIG. 7, the processing from step S13 to step S15 and the processing from step S16 to step S18 may be executed in parallel. Further, the processing from step S16 to step S18 may be performed earlier than the processing from step S13 to step S15. By performing the determination process of step S16 earlier than the determination process of step S13, the transmission process of the inquiry request file SF of step S17 can be performed earlier. Even in such a case, the query processing will be performed in the same processing flow as the flowchart in FIG. 7, except that the order of processing will be changed.

In the above-described embodiment, the example of executing the transmission processing of the first inquiry result information and the second inquiry result information in steps S15 and S18 each time is illustrated. However, the transmission timing is not limited to this example. Although the first processing result file, which is the processing result of the inquiry API, can be generated immediately, it may take time to receive the second processing result file from the financial institution 3 . Therefore, for example, after the first processing result files for all financial institutions 3 and all target persons are prepared, the processing results of the inquiry API may be collectively transmitted to the public institution 2 that is the source of the inquiry. . In this way, it is possible to transmit the inquiry results that can be obtained immediately to the public institution 2 as quickly as possible while suppressing the number of times, and it is possible to transmit the inquiry results that take time without waiting, which is convenient. is high.

In the above-described embodiment, as a determination means for determining whether the first condition and the second condition are satisfied, the API compatible financial institution determination unit 12 for determining whether the financial institution supports API. , and the API correspondence item determination unit 13 for determining whether or not the inquiry item included in the inquiry request file is an API correspondence item. The scope of the present invention is not limited to this, and determination may be made, for example, based on the importance of the content of the inquiry. For example, if the inquiry is of high importance, both the first condition and the second condition are satisfied, and both API linkage and the inquiry request file are sent. It is also possible to perform only API linkage by assuming that only the first condition is satisfied and the second condition is not satisfied. In this way, the accuracy of the inquiry result is relatively high for the inquiry content of high importance, and the work is not required for the inquiry content of low importance.

In the above-described embodiment, the financial institution inquiry API is a transaction inquiry function of the financial institution that is made available externally, that is, from the information processing device 1 . Therefore, APIs should not be construed as being limited only to specifications that define libraries, protocols, and other software implementations.

In the second embodiment described above, when the transmittability determination unit 19 determines in step S21 of the inquiry process not to transmit the inquiry results of a plurality of candidate candidates to the public institution 2, the inquiry request file SF is sent to the financial institution 3. An example of sending is illustrated. In this example, the person in charge of the financial institution 3 determines the person to be inquired based on the information of the person to be inquired contained in the received inquiry request file SF, such as the current address and previous address, and generates the inquiry result information. becomes. However, the scope of the present invention is not limited to this. may end the inquiry process. In that case, the information processing device 1 does not transmit the inquiry result to the financial institution 3 about the target person to the public institution 2 . Therefore, the person in charge of the financial institution 3 may contact the public institution 2 by telephone, e-mail, or the like, to the effect that the target person candidate could not be specified, which enables a more flexible response.

In the second embodiment described above, an example is given in which the inquiry request file SF is sent to the financial institution 3 when the inquiry API fails to uniquely identify the subject. As a condition for transmitting the inquiry request file SF to the financial institution 3, the inquiry request file SF may be transmitted to the financial institution 3 when an inquiry result indicating that there is no applicable person is received from the inquiry API. By doing so, it is possible to avoid the risk of losing an opportunity to acquire important investigation information in a highly important transaction inquiry such as a criminal investigation.

Information processing apparatus 1 according to the present embodiment can be realized using a normal computer without using a dedicated apparatus. For example, the information processing apparatus 1 that executes the above process may be configured by installing the program in the computer from a recording medium that stores the program for executing any of the above processes. Moreover, one information processing apparatus 1 may be configured by a plurality of computers operating in cooperation.

Any method may be used to supply the program to the computer. For example, it may be supplied via a communication line, communication network, communication system, or the like.

In addition, in the case where an OS (Operating System) provides some of the functions described above, the parts other than the functions provided by the OS may be provided by a program.

The present invention is capable of various embodiments and modifications without departing from the broader spirit and scope of the invention. Moreover, the embodiment described above is for explaining the present invention, and does not limit the scope of the present invention. That is, the scope of the present invention is indicated by the claims rather than the embodiments. Various modifications made within the scope of the claims and within the meaning of equivalent inventions are considered to be within the scope of the present invention.

1... Information processing device 2... Public institution 3... Financial institution 11... Inquiry request receiving unit 12... API compatible financial institution determination unit 13... API compatible item determination unit 14... API cooperation unit 15... Inquiry Request file transmission unit 16 . Hard disk drive 105... Network card SF... Inquiry request file AK... API compatible financial institution information AF... API compatible item information KS... Financial institution setting information PS... Public institution setting information

Claims (6)

Inquiry request receiving means for receiving an inquiry request from a public institution, including the content of the transaction inquiry, financial institution identification information for identifying the financial institution to which the inquiry is made, and target person identification information for identifying the subject of the transaction inquiry. ,
a storage means for storing API-compliant financial institution information indicating whether the financial institution is an API-compliant financial institution;
determining whether or not the financial institution specified by the inquiry request is an API-compatible financial institution based on the API-compatible financial institution information, and if the financial institution is an API-compatible financial institution, determining means for determining that a first condition is satisfied, and determining that a second condition is satisfied if the financial institution is an API-incompatible financial institution;
When the determining means determines that the first condition is satisfied, the target person is specified based on the target person specifying information, and an inquiry API of the financial institution specified by the financial institution specifying information is called, and the financial institution is called. an inquiry result information generating means for acquiring an inquiry result of a subject identified by an institution and generating first inquiry result information;
inquiry request file transmission means for transmitting an inquiry request file containing the contents of the transaction inquiry to the financial institution when the determination means determines that the second condition is satisfied;
inquiry result information receiving means for receiving second inquiry result information from the financial institution to which the inquiry request file transmission means has transmitted the inquiry request file;
inquiry result information transmitting means for transmitting the first inquiry result information and the second inquiry result information to the public institution;
Information processing device. When the inquiry results obtained by the inquiry result information generating means include inquiry results of a plurality of candidate candidates identified by the financial institution, the inquiry results of the plurality of candidate candidates are transmitted to the public institution. further comprising transmission permission/inhibition determination means for determining whether or not to
The inquiry request file transmission means transmits the inquiry request file to the financial institution when the transmittability determination means determines not to transmit the inquiry request file to the public institution.
The information processing device according to claim 1 . The transmittability determining means determines, for each financial institution, whether or not the inquiry results of the plurality of candidate candidates are to be transmitted to the public institution, based on the financial institution setting information. Determining whether to transmit to the public institution,
The information processing apparatus according to claim 2 . The storage means further stores public institution setting information indicating whether or not to transmit inquiry results of the plurality of candidate candidates to the public institution for each public institution;
The transmission enable/disable determination means determines whether or not to transmit the inquiry result of the plurality of candidate candidates to the public institution based on the public institution setting information.
The information processing apparatus according to claim 2 or 3. The inquiry result information generating means designates the target person based on the My Number in the case of an individual and the corporate number in the case of a corporation among the information included in the target person identification information when calling the inquiry API. However, in the case of an individual whose My Number is not included in the above information for identifying the subject, specify the subject based on the Kana name and date of birth, and the corporation whose corporate number is not included in the above information for identifying the subject In the case of, specify the target person based on the kana name and the date of establishment,
The information processing apparatus according to any one of claims 1 to 4. An inquiry request receiving means receives an inquiry request from a public institution, including contents of the transaction inquiry, financial institution identification information for identifying the financial institution to which the inquiry is made, and target person identification information for identifying the subject of the transaction inquiry. a query request receiving step for
a storage step in which the storage means stores API-compliant financial institution information indicating whether the financial institution is an API-compliant financial institution;
determining means for determining whether the financial institution specified by the inquiry request is an API-compatible financial institution based on the API-compatible financial institution information, and determining whether the financial institution is an API-compatible financial institution; a determination step of determining that a first condition is satisfied if the financial institution is a financial institution that does not support APIs, and determining that a second condition is satisfied;
If the inquiry result information generating means determines that the first condition is satisfied in the determination step, the target person is specified based on the target person specifying information and an inquiry is made to the financial institution specified by the financial institution specifying information. an inquiry result information generating step of calling an API for obtaining the inquiry result of the subject identified by the financial institution and generating first inquiry result information;
an inquiry request file transmission step of transmitting an inquiry request file including the contents of the transaction inquiry to the financial institution when the inquiry request file transmission means determines that the second condition is satisfied by the determination means;
inquiry result information receiving means for receiving second inquiry result information from the financial institution to which the inquiry request file was sent in the inquiry request file sending step;
an inquiry result information transmission step in which the inquiry result information transmission means transmits the first inquiry result information and the second inquiry result information to the public institution;
An information processing method comprising:

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