JP2005216006A - Letter of credit arrival advices system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a letter of credit arrival advices system which can request to check to a customer side of a receiver of the electronic letter of credit when incorrectness is found in a part of the received electronic letter of credit. <P>SOLUTION: A plurality of pieces of information described in the received electronic letter of credit and a plurality of pieces of correct information are collated and a server 60 for information processing decides whether the arrival of the electronic letter of credit is notified to the customer or the request for check of the content is notified according to the number of matching. The customer who received a request to check the contents uses a personal computer 10 and checks the electronic letter of credit which has incorrectness in a part of the description. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a letter of credit arrival guidance system for guiding the arrival of an electronic letter of credit to a customer.

  Due to advances in computer technology, trade documents that used to be exchanged in the form of paper between exporters and importers have also been transferred online (see Patent Documents 1 and 2).

  Among trade documents transferred online, letters of credit (sometimes abbreviated as LC) are documents sent from the importer's bank to the exporter's bank, and the communication format is SWIFT. Based on network communication rules. In this communication protocol, a tag (identification number) corresponding to the type content of information to be transferred is defined. As shown in FIG. 3, the communication data consists of a tag 310 and information 320 corresponding to the tag, and an electronic letter of credit is composed of a plurality of pairs of data and headers (information portion indicating communication destination and communication source, not shown). Is done. Banks that have received an electronic letter of credit with their computer system use email or other means to inform the customer that the electronic letter of credit has arrived.

  Trade-related information contained in electronic letters of credit transferred between banks, for example, typographical errors or other inaccuracies may arise in the client name, client bank, addressee, etc. Normally, when a bank clerk notices such inaccuracies, the bank clerk who received the electronic letter of credit queries the sender's bank for inaccurate data. In addition, a computer system has also been proposed in which regular information prepared in advance is compared with received information to automatically detect inaccurate data and automatically inquire a destination bank (Patent Document 3). reference).

JP 2002-63333 A JP 2002-56069 A JP2003-78661A

  However, some trade settlements require an urgent need, and if the inaccurate information on the electronic letter of credit is referred to the destination bank each time, only time will pass.

  SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a letter of credit arrival guidance system capable of requesting confirmation from the customer side of a recipient of the electronic letter of credit when a part of the received electronic letter of credit is inaccurate. is there.

  In order to achieve such an object, the invention of claim 1, according to the present invention, receives an electronic letter of credit, and in the letter of credit arrival guidance system (FIG. 1) for notifying the customer of the arrival guidance of the received electronic letter of credit. The first storage means (collation information database 220) for storing a plurality of pieces of first information (FIG. 4) including at least the addressee name and indicating the contents of the electronic letter of credit to be received, and the received electronic credit A plurality of second information (FIG. 3) described in the form and a plurality of first information stored in the first storage means, and counting means (1210 to 1240) for counting the number of matches And a classification for classifying whether to notify the customer of the arrival guidance of the received electronic letter of credit or to confirm the content of the received electronic letter of credit based on the number of matches counted by the counting means Means (1030 1040 and branch processing) of, in accordance with the classification result of the classification means, characterized in that the arrival guide or contents confirmation request equipped with a notification unit (1030, 1040) for notifying the customer.

  According to a second aspect of the present invention, in the letter of credit arrival guidance system according to the first aspect, an addressee conversion table (250) in which an incorrect addressee name and a correct addressee candidate name corresponding to the incorrect addressee name is described. ) In the second storage means (hard disk of the information processing server 60), and if the addressee name does not match in the comparison process by the counting means, the correct addressee address is sent using the addressee conversion table. The apparatus further includes means (1150, 1420, etc.) for acquiring candidate names.

  According to a third aspect of the present invention, in the letter of credit arrival guidance system according to the first or second aspect, only an authorized recipient of an electronic letter of credit knows from a customer's computer that has notified the content confirmation request, and the counting means At least one third information (amount input in the amount input field 810 in FIG. 8) that is the same as the first information that did not match in the comparison in FIG. 8 is received from the computer of the customer who has notified the content confirmation request Means (50), comparison means (1360) for comparing the received third information with the first information corresponding to the third information in the received electronic letter of credit, and the comparison means And a means for transmitting the received electronic letter of credit to the customer's computer.

  According to a fourth aspect of the present invention, in the letter of credit arrival guidance system according to any one of the first to third aspects, the first storage unit includes a plurality of pieces of first information as a set of collation information. A plurality of sets of collation information for electronic letters of credit are stored, and the counting means counts the number of matches for each of a plurality of sets of collation information (loop processing of 1210 to 1270). Is used in the classification by the classification means.

  The invention of claim 5 is the letter of credit arrival guidance system according to any one of claims 1 to 4, wherein the addressee in the plurality of second information can be specified, and at least a specific number including the addressee name is different. Corresponds to the second information (recipient name, address, etc.) and the different first information stored in the first storage means, corresponding to the different second information. In comparison, if any one of the different second information (name name or address) matches the corresponding first information (name name or address), the corresponding information is indicated. An arrival guide for electronic letters of credit is notified to the addressee by the notification means.

  Although the said () part shows the corresponding location in embodiment for understanding of invention, it is not limited to this. The present invention has improvements other than the embodiments.

  In the present invention, the collation information (plural first information) received from the customer is compared with the received written description of the letter of credit (plurality of second information), and the letter of credit confirmed to the customer by the number of matches. Can be classified. In addition, it is possible to notify the arrival of a letter of credit with a perfect match or a high number of matches without requiring customer confirmation. Furthermore, even when the name addressee is inaccurate, it is possible to estimate the addressee candidate and receive confirmation of the addressee candidate. Thereby, the number of inquiries to the destination of the electronic letter of credit can be reduced, so that trade settlement can be advanced promptly.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 shows an overall system according to the present invention. In FIG. 1, 10 is a personal computer installed on the customer side that receives the electronic letter of credit. The personal computer 10 is equipped with known browsing software called a browser for browsing a so-called home page. A communication network 20 uses the Internet in this embodiment. Reference numeral 100 denotes a letter of credit arrival guidance system installed on the bank side. When a letter of credit is received from a destination bank system, guidance is provided to the customer's personal computer 10 and information processing according to the present invention described later is performed. .

  The letter of credit arrival guidance system 100 includes a firewall 30, a mail server 40, a WEB server 50, an information processing server 60, a SWIFT communication system 70, an intranet 80, and a personal computer 90. The firewall 30 has a function of blocking unauthorized data sent from the Internet 20 and taking communication data from authorized customers into the bank system 100. The mail server 40 has an e-mail transmission / reception function. In this embodiment, the mail server 40 transmits an e-mail for a letter of credit arrival guidance or a letter of credit confirmation request to the customer.

  The WEB server 50 stores a home page (such as an HTML document also called a WEB page) to be guided to the customer, receives access from the customer-side personal computer 10, and provides the home page to the customer-side personal computer 10.

  As will be described in detail later, a plurality of homepages for checking letters of credit are prepared. The WEB server 50 is equipped with well-known communication software for providing a home page to the customer-side personal computer 10, and exchanges data for browsing the home page between the communication software and a browser installed on the customer-side personal computer. Is done.

  The information processing server 60 performs customer authentication when the customer-side personal computer 10 accesses the WEB server 50, and performs electronic credential authentication processing according to the present invention when the SWIFT communication system 70 receives an electronic credential.

  A SWIFT communication system 70 receives an electronic letter of credit from another bank system that transmits the electronic letter of credit.

  Reference numeral 80 denotes an intranet such as a LAN. Reference numeral 90 denotes a personal computer for registering information in the information processing server 60 or browsing information registered in the information processing server 60 via the intranet 80.

  Since a commercially available general-purpose computer can be used for the mail server 40, the WEB server 50, and the information processing server 60, detailed description thereof will be omitted.

  The configuration of software installed in the information processing server 60 is shown in FIG. In FIG. 2, the LC management program 210 performs information processing for managing the received letter of credit, information processing for guiding the letter of credit to the customer, and an electronic letter of credit in which some of the described data is incorrect. It is a program that performs information processing for requesting confirmation. The LC management program 210 is stored in the hard disk in the information processing server 60 and is executed by the CPU in the information processing server 60.

  The collation information database 220 is a database in which collation information to be collated with the information described in the received electronic letter of credit is registered. As shown in FIG. 3, a set of collation information is composed of a plurality of pairs of data, such as a tag 310 and information 320 corresponding to the tag, and data identification numbers. Therefore, when a plurality of electronic letters of credit are received, a plurality of sets of verification information are registered in the verification information database 220. The tag and the corresponding information in the verification information are received in advance from the customer who receives the electronic letter of credit, and the bank person in charge inputs from the personal computer 90 or the personal computer 10 of the customer. The data identification number is automatically added at the time of registration by the information processing computer 60. The collation information database 220 and later-described databases 230 and 240 are stored in a large-capacity storage device (DVD, hard disk, etc.) in the information management server 60.

  The customer information database 230 is a database for registering various information related to customers who use the letter of credit arrival guidance service. The registration information includes a customer name, address, bank account number, e-mail address, and the like, as well as a user ID and password for personal authentication when the customer accesses the WEB server 50.

  The LC information database 240 is a database for storing electronic letters of credit received by the SWIFT communication system 70 in the format shown in FIG.

  In FIG. 4, reference numeral 410 denotes a field name corresponding to the type of information described in the electronic letter of credit, and information described in a storage area corresponding to this field name is stored. Reference numeral 420 denotes a data attribute. As the data attribute, an attribute indicating a data format to be stored, for example, whether the data is a numerical value or a date is prepared. Reference numeral 430 denotes a data capacity. Reference numeral 440 denotes a keyword for searching the data. Reference numeral 450 denotes a match flag, which indicates a comparison result when comparing each piece of data described in the electronic letter of credit with the corresponding verification information, that is, match or mismatch. Reference numeral 460 denotes a confirmation flag indicating whether or not an arrival guidance mail is necessary and whether or not a confirmation request mail is necessary for the received electronic letter of credit.

  Returning to FIG. 2, reference numeral 250 denotes a name-address conversion table used for inferring a regular name-address information from name-address information partially described. For example, at least one or more name candidate names such as “NIHHON”, “NIHHON”, and “NIPPON” as the correct name addressee candidate names corresponding to this name addressee name are described in the addressee conversion table 250. Has been.

  Next, a letter of credit arrival guidance notification process and a letter of credit confirmation request notification process executed in the above-described system will be described with reference to the flowcharts of FIGS. The flowcharts of FIGS. 10 to 13 mainly show processing procedures executed by the information processing server 60, and are actually realized by programs that can be executed by the CPU (computer) in the information processing server 60.

(Receiving electronic letter of credit and data authentication)
The electronic letter of credit received by the SWIFT communication system 70 is sent to the information processing server 60. When the information processing server 60 receives the electronic letter of credit, it is stored in the internal memory (1010). Next, the information processing server 60 compares the information related to the letter of credit in the collation information registered in the collation information database 220 with the information described in the received electronic letter of credit for each type of information. To authenticate that the electronic letter of credit is legitimate and count the number of matching information. This detailed procedure is shown in FIG.

  11, the information processing server 60 retrieves a set of collation information (requesting bank name, client name,... Addressee name, product details) to be compared from the collation information database 220. The first information in the extracted collation information and the requested bank name are set as data to be compared (1210). Subsequently, the requested bank name in the received electronic letter of credit is compared with the set requested bank name (1220). If they match, the initial value 0 is incremented by 1 to count the number of information matches (in this case, 1 is added to 0) (1230). Since all comparisons have not been completed, the procedure returns from steps 1240 to 1210, and then comparison is performed with the comparison data set as the client name. In this way, the procedures 1210 to 1240 are repeated, and the number of matching information is counted for all information items in one set of collation information. As described above, when the number of matching information is counted for one set of matching information in the matching information database (YES in 1240), the previously counted number of matches (initial value is 0) and the number of matches obtained this time Make a comparison.

  If the comparison result is large, the previously counted number of matches is updated with the number of matches obtained this time. Also, the count result of the number of matches is returned to the initial value 0. Further, the information indicating the information item matched this time, the number of matches and the identification number of the matching data used for matching are temporarily stored in the internal memory (1260). Thereafter, the procedure is returned from step 1270 to step 1210, the number of matching information is counted for each remaining matching information in the matching information database (loop processing in steps 1210 to 1240), and the matching temporarily stored in the internal memory When the number of matches larger than the number is obtained, the number of matches, the data identification number of the collation information, and the matching item are updated (1260). When the verification of all the verification information and the received electronic letter of credit is completed, the internal memory contains the data identification number of the verification information that most closely matches the multiple information items of the received electronic credit and the maximum number of matches. It will be remembered. It should be noted that this verification information is the verification information that should be verified against the received letter of credit and contains correct information for the incorrect part of the received letter of credit.

If the received electronic letter of credit is legitimate, the maximum number of matches is equal to or greater than a predetermined allowable number even if some information is inaccurate. Further, when the received electronic letter of credit is not legitimate, the maximum number of matching information does not become a predetermined allowable number, for example, 5 or more, in the comparison of the collation information. Therefore, in step 1020 of FIG. 10, the received electronic letter of credit belongs to one of the following three classifications (data authentication) by comparing the acquired maximum number of matches.
(1) If the number of matches obtained when all information items match, and the maximum number of items matched, the customer is notified of the arrival notice of the electronic letter of credit by e-mail.
(2) When the maximum number of matches exceeds a predetermined allowable number (for example, 5) (within the allowable range), a request for confirming the content of the received electronic letter of credit is notified by e-mail.
(3) When the maximum number of matches is less than a predetermined allowable number, an inquiry is made to another bank system of the transmission destination.

  Finally, the information processing server 60 registers the received electronic letter of credit and the classification result in the LC information database 240. At this time, whether or not there is a match is set in the match flag of each information based on the information indicating the match item. Further, the confirmation flag 460 is set to “requires arrival guidance mail transmission” in the case of the classification (1). In the case of the classification (2), “confirmation request mail required, confirmation required” is set, and in the case of the classification (3), the confirmation flag is set to “reference required” (1280).

(Information on arrival of electronic letter of credit)
Returning to FIG. 10, when the data authentication process of step 1020 is completed as described above, a predetermined time is awaited and step 1030 is executed in the badge process. Specifically, when searching the LC information database 240 and finding an electronic letter of credit whose confirmation flag indicates “requires arrival guidance”, the addressee and reference number are read out and temporarily stored in the internal memory. Next, an e-mail address is extracted from the customer information database 230 based on the name of the addressee. An electronic mail text as shown in FIG. 5 is created by combining the temporarily stored reference number of the electronic letter of credit and a predetermined arrival guidance message. Finally, the information processing server 60 creates an email in which the email address is added to the header of the created email body, and causes the mail server 40 to send the email. Finally, the information processing server 60 changes the corresponding confirmation flag in the LC information database 240 to “end arrival guidance mail transmission” for the electronic letter of credit that has transmitted the arrival guidance mail.

(Request for confirmation of electronic letter of credit)
In Steps 1040 to 1044, the electronic certificate of credit confirmation request (verification request) and the customer confirmation process in which the maximum number of information matches within the predetermined allowable number range (excluding exact match) in the data authentication process are as follows. Do. The information processing server 60 searches the LC information database 240 and takes out an electronic letter of credit whose confirmation flag indicates “confirmation request mail necessary, confirmation necessary” on the internal memory. Subsequently, a confirmation request e-mail as shown in FIG. 6 is transmitted to some customers via the mail server 40 (1040).

This process will be described in detail with reference to FIG.
The information in the received electronic letter of credit contains a mixture of accurate and inaccurate information. In particular, the “addressee name” represents the recipient of the electronic letter of credit, so if this information is inaccurate, it is not known to whom the confirmation request mail should be sent. Therefore, the information processing server 60 first determines whether or not the match flag of the “addressee name” in the electronic letter of credit (format in FIG. 4) stored in the internal memory indicates “match”. It is determined whether the addressee name is invalid or not (1110). If the “addressee name” is not inaccurate (the match flag indicates “match”), the addressee name in the electronic letter stored in the internal memory is extracted and the corresponding e-mail address is retrieved from the customer information database 230. Is acquired (1120).

  Next, the information processing server 60 creates an HTML document (FIGS. 7 to 9, which will be described later) for a homepage used by a customer for confirmation, and stores it in a predetermined area on the hard disk in the WEB server 50. Further, the information processing server 60 creates a confirmation request e-mail (see FIG. 6) using the URL indicating the storage area and the e-mail address, and transmits the e-mail to the mail server 40 (1130).

  On the other hand, if it is determined in step 1110 that the addressee name is inaccurate, the information processing server 60 acquires (estimates) the addressee candidate name using the addressee conversion table 250, and the same as described above. The confirmation request e-mail shown in FIG. 6 is transmitted to the addressee candidate in the process (1150 to 1170). When there are a plurality of addressee candidates, a plurality of homepage storage areas for confirmation in the WEB server 50 are provided.

(Confirmation of electronic letter of credit)
The customer who has received the e-mail in FIG. 6 accesses the home page of the WEB server 50 indicated by the URL information in the e-mail using the browser of the personal computer 10 (1042 in FIG. 10). Upon receiving the access, the WEB server 50 transmits a login screen for user authentication to the personal computer 10. The personal computer 10 displays the received login screen and inputs the user ID and password from the displayed screen. The input user ID and password are sent to the information processing server 60 via the personal computer 10 and the WEB server 50. The information processing server 60 checks the user ID and password in the customer information database 230, and if a match is obtained, permits login (1043). At this time, the user ID received from the personal computer 10 is temporarily stored in the internal memory of the information processing apparatus 60, and used to extract the customer's electronic letter of credit indicated by the user ID.
The following letter of credit confirmation processing is executed for the customer who is permitted to log in (1044).

  The letter of credit confirmation process is shown in FIG. This process is executed in cooperation with the information processing server 60 and the WEB server 50.

  In the user authentication processing 1043 in FIG. 10, the user ID and password are collated (1310), and if a match determination is obtained (YES in 1320), a confirmation screen (HTML document format) shown in FIG. 7 is displayed first. The data is sent from the WEB server 50 to the personal computer 10 of the customer permitted to log in and displayed on the display of the personal computer 10.

  When the user operates an arbitrary selection button 710 with the mouse, the screen (HTML document form) of FIG. 8 corresponding to the operated selection button is sent from the WEB server 50 to the personal computer 10 and displayed on the display of the personal computer 10 (1330). ).

  In the screen shown in FIG. 8, an input field 810 for inputting actual information of some specific information in the electronic letter of credit that only the customer who receives the letter of credit knows is displayed. Here, it should be noted that the displayed item names include some of the item names in the item names that are not matched in the data authentication process of the information processing server 60. In this form, an input field for inputting “amount” and other input fields are provided. A person skilled in the art may determine how many input fields are provided.

  When the customer inputs correct information in the input field 810, in this case, money amount information or the like from the keyboard and operates the OK button 820 with the mouse, the input information is transferred to the information processing server 60 via the personal computer 10 and the WEB server 50. Transferred. The information processing server 60 performs the comparison determination using the correct amount information in the verification information used for verification and the correct information corresponding to the other information (1340 → 1350). If a perfect match determination is obtained, the information processing server 60 determines that an electronic letter of credit (received electronic letter of credit) whose description is partially incorrect is for the logged-in customer, and FIG. Is transmitted from the WEB server 50 to the customer's personal computer 10. On the screen of FIG. 9, all the information of the electronic letter of credit that is the subject of confirmation is displayed. When the customer operates the confirmation button 830, the operation is transmitted to the information processing server 60 via the personal computer 10 and the WEB server 50. The information processing server 60 updates the confirmation flag in the electronic letter of credit data in the LC information database 240 subject to confirmation to the end of confirmation.

  Further, when confirmation request mails are transmitted to a plurality of customers, browsing of confirmation homepages other than the confirmed customers is prohibited, and verification on the confirmation screens of other customers is stopped (1370). .

  For this processing, a table is provided for each electronic letter of credit that needs to be confirmed. In this table, the mail address of the confirmation request mail that has been sent, the confirmation screen (the storage address (URL) of the HTML document, and the confirmation / not permitted) Prepare a flag indicating permission.

  When the user logs in, this table is referred to and the confirmation screen indicating the disapproval may be prohibited from browsing by the customer. As an alternative method, the confirmation screens FIG. 7 to FIG. 9 prepared for other customers may be deleted from the WEB server 50 when the customer's electronic letter of credit is confirmed.

  If the user ID and password entered when the customer logs in are incorrect or if the information entered by the customer on the screen of FIG. 8 is incorrect, a message to that effect is sent from the information processing server 60 via the WEB server 50. Then, error processing that is sent to the personal computer 10 and displayed on the display is executed (1380).

(Inquiry for electronic letter of credit)
Returning to FIG. 10, if the number of matches of the information described in the electronic letter of credit is less than the predetermined allowable number in the data authentication processing in step 1020, error processing is executed (1050).

  As the error processing, the contents of the electronic letter of credit may be printed out by a printer, or an inquiry message may be sent from the SWIFT communication system 70 to another bank system that has sent the electronic letter of credit.

As mentioned above, although the processing content of the letter of credit arrival guidance system 100 of this embodiment was demonstrated, the above information processing is new information processing which is not in the past.
(1) The number of matches is checked by comparing a plurality of pieces of information described in the received electronic letter of credit with a plurality of pieces of information of the electronic letter of credit that should be received in advance from the customer. According to the number of matches, it is classified whether to notify the customer of an arrival guidance message, send a confirmation request message, or handle the inquiry for the destination. Information processing (e-mail transmission processing, etc.) according to the classification result is performed.
(2) When the addressee in the received electronic letter of credit is different from the information acquired in advance from the customer side, the addressee candidate is acquired using the addressee conversion table 250 for the correct addressee. From the acquired addressee candidates, information that only the recipient of the electronic letter of credit can know is received, and the correct addressee is identified.

  By performing the above processing, it is possible to identify the correct recipient of an electronic letter of credit that is not correctly described upon receipt of the customer's content confirmation. Can be reduced. It can also contribute to speeding up trade settlement.

(Second Embodiment)
The above-described (first) embodiment compares the received electronic letter of credit with the verification information stored in the verification information database 220. When the received electronic letter of credit becomes enormous, the comparison process also becomes enormous. Therefore, a second embodiment for reducing the comparison process will be described next. In the second embodiment, the hardware configuration can be the same as that of the first embodiment. Therefore, the difference between the first embodiment will be described.

  In this form, paying attention to the fact that a specific number of pieces of information (addresses in this form) that specify the addressee are included in a plurality of information described in the received electronic letter of credit, any one of these specific numbers If one piece of information is correct, even if the other pieces of information are inaccurate, the receipt letter of electronic credit letter is notified to the addressee indicated by the matching information. If neither the addressee nor the address match, the inquiry destination (user requesting confirmation) extraction processing described in the above embodiment, that is, the counting processing and classification processing by the information processing server 60 and the user Confirm the addressee and identify the addressee.

FIG. 14 shows a processing procedure executed by the information processing server 60 of the second embodiment.
In FIG. 14, when the information processing server 60 receives a received electronic letter of credit from the (SWIFT) communication system 70, the information processing server 60 executes the processing procedure of FIG.

  The information processing server 60 determines whether there is an addressee name that matches the addressee name received by searching the collation information database 220 (1410). If a matching name address is obtained, the determination result in step 1410 is YES, and the process jumps to step 1480 to the address indicated by the name of the received electronic letter of credit (the recipient of the electronic letter of credit). An electronic letter of credit (LC) arrival notification process is executed. Specifically, the information processing server 60 extracts an electronic mail address from the customer information database 230, creates an electronic letter of credit arrival guide mail in the same manner as in the first embodiment, and sends it to the addressee. An electronic letter of credit is notified by e-mail.

  If the name of the received electronic letter of credit cannot be obtained by a search in the verification information database 220, the determination result in step 1410 is NO. In this case, the information processing server 60 uses the addressee conversion table 250 to correct the addressee name (incorrect addressee name) of the received electronic letter of credit to the correct addressee name (at least one or more) (1420). Although not described in detail here, for the electronic letter of credit whose recipient name could not be corrected, the person in charge of the bank checks the bank that sent the electronic letter of credit.

  The information processing server 60 searches the collation information database 220 by the name addressee whose correction has been completed, so that the correct addressee name matches the name address name in the collation information database 220 by the same information processing method as in step 1410. Whether or not is determined (1430).

  If YES is determined, the process proceeds to step 1480 to perform electronic credit letter notification processing. Therefore, in this case, even if the addressee name of the received letter of credit is inaccurate, confirmation confirmation of the electronic letter of credit is not performed to the user.

  On the other hand, if NO is determined, it is next determined whether or not there is a matching address by searching the reference information database 220 with the address (information) described in the received electronic letter of credit. (1440).

  If a YES determination is obtained, it is considered that the addressee has been specified by the address, and the procedure jumps to step 1480, and electronic letter of credit arrival notification processing is performed. In this case, an e-mail address and a customer name are extracted from the customer information database 230 based on the address, and are used to create an e-mail for arrival guidance.

  On the other hand, if the address match is not obtained, the plurality of information described in the received electronic letter of credit and the collation information in the collation database 220 are the same as in the first embodiment. The user who requests confirmation of the received electronic letter of credit, that is, the inquiry destination is extracted by finding the matching information that most closely matches the plurality of information (FIG. 10, 1450).

  After the user name and e-mail are extracted from the customer information database 230 for the extracted user, an e-mail (FIG. 6) for confirmation of the electronic letter of credit is transmitted to this user (1460).

  As in the first embodiment, confirmation is performed on the user's home page, and when the user who should receive the letter of credit for reception is confirmed (1470), the information processing server 60 sends the information to the identified user. The arrival of the electronic letter of credit is notified by e-mail (1480).

  As described above, in the second embodiment, a specific number of different information including at least the name of the addressee that can specify the addressee in the plurality of (first) information included in the electronic letter of credit, for example, The addressee name, address, etc. correspond to the specified number of different information, and the specified number of different information (named address name, address, etc.) stored in the collation information database 220 are respectively compared and matched. If any one of the different numbers of information (in this case, any one of the addressee name and address) matches, the electronic mail is sent to the addressee indicated by the matched specific information (addressee name or address). Notification of arrival of electronic letter of credit is sent by e-mail.

  As a result, the electronic credit letter whose addressee or address matches is not counted, and the processing time for specifying the recipient (user) of the received electronic letter of credit is shorter than in the first embodiment. Is done.

In addition to the above-described embodiment, the following embodiment can be implemented.
1) In the above-described embodiment, the confirmation process of the electronic letter of credit is performed using the homepage, but the same process may be performed by the personal computer 90 installed on the bank side. Of course, the above-described information processing may be performed by a single computer, and distributed processing may be performed by using a larger number of computers.
2) In the first and second embodiments, the learning function of the addressee conversion table 250 can be provided. That is, when the user confirms the e-mail on the homepage, the received electronic letter of credit and its recipient are identified. At this time, the name-address conversion table 250 is used as the information processing server by using the name-address name of the received electronic letter of credit and the name-address name of the identified recipient (obtained from the customer information database 230) as a pair of search data. Search by 60. If data matching the search data is not found in the addressee conversion table 250, the search data used for the search, that is, the incorrect addressee name and the correct addressee name are registered in the addressee conversion table 250.
3) Even if the name address in the electronic letter of credit is inaccurate, the collation information database 230 is used for the notification bank branch name, electronic letter issuing bank name, and product purchaser (Applicant name). Searching can identify the recipient of an electronic letter of credit. In this case, if a match is obtained by the above search, a recipient name corresponding to the matched information item is obtained from the collation information database 220, and an e-mail confirmation request mail is sent to the user. It can also be sent.
4) In the second embodiment, the addressee name and address are inquired as information for identifying the recipient of the electronic letter of credit, but it goes without saying that other information may be used.
5) In the above-described embodiment, when an electronic letter of credit with an incorrect addressee name is received, the collation information (first information of the present invention) that maximizes the number of matches between the received electronic letter of credit and the written information item ), The candidate names of the addressee for the received electronic letter of credit are estimated, but the number of candidate names can be plural. In this case, a predetermined number (for example, a maximum of the second) of matching information items with the highest number of matches in the described information item is extracted, and the addressee name included in the extracted matching information is a candidate for the addressee for the received electronic letter of credit. Name is good. The above processing is executed by the information processing server 60.

  In addition to the embodiment described above, an improved embodiment can be implemented. However, as long as the improved embodiment is based on the technical idea described in the claims, the improved embodiment belongs to the technical scope of the present invention.

It is a block diagram which shows the system configuration | structure of this invention embodiment. It is a block diagram which shows the software structure of the server for information processing. It is explanatory drawing which shows the content of an electronic letter of credit. It is explanatory drawing which shows the content of LC information database. It is explanatory drawing which shows an example of the transmission mail sent to a customer. It is explanatory drawing which shows the other example of the transmission mail sent to a customer. It is explanatory drawing which shows the content of the screen displayed on a customer's personal computer. It is explanatory drawing which shows the content of the screen displayed on a customer's personal computer. It is explanatory drawing which shows the content of the screen displayed on a customer's personal computer. It is a flowchart which shows the process sequence which the server for information processing performs. It is a flowchart which shows the process sequence which the server for information processing performs. It is a flowchart which shows the process sequence which the server for information processing performs. It is a flowchart which shows the process sequence which the server for information processing and a WEB server perform jointly. It is a flowchart which shows the process sequence which the server for information processing performs.

Explanation of symbols

10 PC 20 Internet
30 Firewall 40 Mail Server 50 Web Server 60 Information Processing Server 70 SWIFT Communication System 80 Intranet 90 Personal Computer

Claims (5)

In the letter of credit arrival guidance system that receives the electronic letter of credit and notifies the customer of the arrival guidance of the received electronic letter of credit,
A first storage means for indicating a description of an electronic letter of credit to be received by the customer and storing a plurality of first information including at least a name of the addressee in advance;
Counting means for comparing the plurality of second information described in the received electronic letter of credit with the plurality of first information stored in the first storage means and counting the number of matches;
Based on the number of matches counted by the counting means, a classification means for classifying whether to notify the customer of the arrival guidance of the received electronic letter of credit or to request the content confirmation of the received electronic letter of credit;
A letter of credit arrival guidance system comprising: notification means for notifying the customer of arrival guidance or a content confirmation request according to the classification result of the classification means. In the letter of credit arrival guidance system according to claim 1,
A second storage means for storing an addressee conversion table in which an incorrect addressee name and a correct addressee candidate name corresponding to the incorrect addressee name are stored; and in the comparison process by the counting means, The letter of credit arrival guidance system further comprising means for acquiring a correct candidate addressee name using the addressee conversion table when the person names do not match. In the letter of credit arrival guidance system according to claim 1 or 2,
Only the legitimate recipient of the electronic letter of credit knows from the customer's computer that has notified the content confirmation request, and is the same as the first information that does not match in the comparison by the counting means, and at least one third Means for receiving information from the computer of the customer who has notified the content confirmation request;
A comparing means for comparing the received third information with the first information corresponding to the third information in the received electronic letter of credit;
A letter of credit arrival guide system, comprising: means for transmitting the received electronic letter of credit to the customer's computer when the comparison result of the comparing means matches.   4. A letter of credit arrival guidance system according to claim 1, wherein said first storage means uses said plurality of first information as a set of collation information, and a plurality of letters for a plurality of electronic letters of credit. A set of collation information is stored, and the counting means counts the number of matches for each of a plurality of sets of collation information, and the maximum number of matches among the count results is used for classification by the classification means. A letter of credit arrival guidance system. The letter of credit arrival guidance system according to any one of claims 1 to 4, wherein a specific number of second information including at least the name of the addressee that can identify the addressee in the plurality of second information, It corresponds to the second information having a different specific number, and is compared with the first information having a different specific number stored in the first storage unit, and any one of the second information having the different specific number is selected. If any one of the information matches the corresponding first information, the notice means notifies the arrival address of the electronic letter of credit to the addressee indicated by the matched information. system.

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