JP7435989B2 - Transfer management system, transfer management method and program - Google Patents

Description

The present invention relates to a transfer management system, a transfer management method, and a program.

Patent Document 1 discloses a transfer management system that collectively processes funds for multiple transfer requests resulting in transfer errors to a predetermined deposit destination (client account).

JP2014-106746A

An example of the flow of processing when a transfer error occurs and funds are returned will be explained using FIG. 13. First, a transfer request (transfer message) is transmitted from the sending financial institution to the receiving financial institution (S100). The recipient financial institution executes a transfer process in response to the transfer request (S101). Here, it is assumed that a transfer error has occurred. In this case, the receiving financial institution transmits transfer error information to the sending financial institution and inquires about the response to the transfer error (S102).

The sending financial institution determines the contents of the transaction by, for example, having an operator inquire about the contents of the transaction to the transfer requester over the telephone or the like (S103). The response is to return the funds or correct the transfer message. Here, it is assumed that it has been decided to return the funds. The sending financial institution notifies the recipient financial institution of the determined response (S104). The recipient financial institution then executes processing according to the notified response details (S105). Here, the receiving financial institution executes the fund return process and transmits the transfer information to the sending financial institution (S106). The sending financial institution executes a fund return process of depositing the returned funds into a predetermined deposit account based on the transfer information (S107).

In the funds return process at S107, the operator of the sending financial institution views the transfer information via the operator terminal and inputs designation of the deposit account into which the returned funds are to be deposited. The system of the sending financial institution then deposits the returned funds into the deposit account specified by the input.

In this way, when a transfer error occurs and the funds are returned, the operator of the sending financial institution has to perform a lot of work, which is time-consuming.

An object of the present invention is to reduce the workload of an operator at a sending financial institution when a transfer error occurs and funds are returned.

According to the present invention, the workload of the operator of the sending financial institution is reduced when a transfer error occurs and funds are returned.

According to the invention,
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , has processing means for executing processing according to the acquired message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
The processing means includes:
A funds return account is registered in association with the transfer requester, and either the first calling number included in the first message or the third calling number included in the third message If the number matches the reference number included in the fourth message, a transfer management system is provided that executes a process of depositing the return funds indicated in the fourth message into the fund return account.

Further, according to the present invention,
The computer is
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , execute a processing step that executes processing according to the obtained message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
In the treatment step,
A funds return account is registered in association with the transfer requester, and either the first calling number included in the first message or the third calling number included in the third message If the number matches the reference number included in the fourth message, a transfer management method is provided that executes a process of depositing the return funds indicated in the fourth message into the fund return account.

Further, according to the present invention,
computer,
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , function as a processing means to execute processing according to the acquired message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
The processing means includes:
A funds return account is registered in association with the transfer requester, and either the first calling number included in the first message or the third calling number included in the third message If the number matches the reference number included in the fourth message, a program is provided that executes a process of depositing the return funds indicated in the fourth message into the fund return account.

FIG. 2 is a diagram for explaining a first financial institution that has introduced a transfer management system. It is an example of a functional block diagram of a system introduced into a first financial institution. FIG. 1 is a diagram showing an example of the hardware configuration of a device or a system according to the present embodiment. It is an example of a functional block diagram of the transfer management system of this embodiment. FIG. 3 is a diagram schematically showing an example of information stored in the destination business information storage unit of the present embodiment. FIG. 3 is a diagram schematically showing an example of information stored in the destination business information storage unit of the present embodiment. It is a sequence diagram which shows an example of the flow of processing of the transfer management system of this embodiment. It is a flowchart showing an example of the flow of processing of the transfer management system of this embodiment. It is a flowchart showing an example of the flow of processing of the transfer management system of this embodiment. It is an example of a functional block diagram of the transfer management system of this embodiment. It is a sequence diagram which shows an example of the flow of processing of the transfer management system of this embodiment. It is a flowchart showing an example of the flow of processing of the transfer management system of this embodiment. It is a sequence diagram showing an example of the flow of processing when a transfer error occurs.

<First embodiment>
First, an overview of the transfer management system of this embodiment will be explained. It is assumed that the transfer management system has been introduced at the first financial institution. As shown in FIG. 1, the first financial institution performs some or all of the operations of multiple branches 2 at a center 1. The operations performed at the center 1 include operations related to sending (destination operations) and operations related to destinations (receiving operations). In the center 1, there are a sending business operator who performs sending business and a receiving business operator who performs receiving business. The outgoing business operator processes the outgoing business that has occurred at the first financial institution. The directed business operator processes the directed business generated at the first financial institution.

When the transfer management system acquires transfer error information indicating that a transfer process executed by the first financial institution as a recipient financial institution resulted in a transfer error, the transfer management system determines whether the recipient financial institution of the transfer process is the first financial institution or an external financial institution. Determine whether it is a financial institution. The external financial institution is a financial institution different from the first financial institution.

Then, when the sending financial institution is the first financial institution, the transfer management system stores the transfer error information in the sending business information storage means that stores the sending business information that is viewed by the sending business operator. The outgoing business operator picks up the transfer error information stored in the outgoing business information storage means and processes it. In this case, the sending business operator executes the processes of S103 and S107 in FIG. 13 based on the picked up transfer error information. That is, the exchange of information between the sending financial institution and the receiving financial institution, such as S102, S104, and S106 in FIG. 13, and the processing at the receiving financial institution, such as S105, are omitted.

On the other hand, when the sending financial institution is an external financial institution, the transfer management system stores the transfer error information in the receiving business information storage means that stores the receiving business information that is viewed by the receiving business operator. The destination business operator picks up the transfer error information stored in the destination business information storage means and processes it. In this case, the destination business operator executes the processes from S102 onward in FIG. 13 based on the picked up transfer error information.

Next, FIG. 2 schematically shows an example of a system introduced into the first financial institution 100. As shown in the figure, a transfer management system 10, an accounting host 20, and an operator terminal 30 are installed in a first financial institution 100.

The accounting system host 20 executes accounting processing for financial institutions, such as managing balances of deposit accounts, calculating interest on deposits and loan amounts, and processing transfers based on transfer requests. The accounting host 20 communicates with the system of an external financial institution via a communication network 40 such as a dedicated line.

The transfer management system 10 executes characteristic processing when a transfer request results in a transfer error. The configuration of the transfer management system 10 will be described later.

The operator terminal 30 is a terminal operated by an operator such as a sending business operator or a destination business operator. The operator views various information via the operator terminal 30 and inputs various information into the operator terminal 30.

Here, an example of the hardware configuration of each of the transfer management system 10, the accounting host 20, and the operator terminal 30 will be described. Each of the functions provided in the transfer management system 10, the accounting host 20, and the operator terminal 30 includes a CPU (Central Processing Unit) of any computer, a memory, a program loaded into the memory, and a storage unit such as a hard disk that stores the program. (In addition to programs stored in advance when the device is shipped, programs downloaded from storage media such as CDs (Compact Discs) or servers on the Internet can also be stored.) It is realized by any combination of hardware and software. It will be understood by those skilled in the art that there are various modifications to the implementation method and device.

FIG. 3 is a block diagram illustrating the hardware configurations of the transfer management system 10, the accounting host 20, and the operator terminal 30. As shown in FIG. 3, the transfer management system 10, the accounting host 20, and the operator terminal 30 each have a processor 1A, a memory 2A, an input/output interface 3A, a peripheral circuit 4A, and a bus 5A. The peripheral circuit 4A includes various modules. Each of the transfer management system 10, the accounting host 20, and the operator terminal 30 does not need to have the peripheral circuit 4A. Note that the transfer management system 10, the accounting host 20, and the operator terminal 30 may each be composed of a plurality of physically and/or logically separated devices. In this case, each of the plurality of devices can include the above hardware configuration.

The bus 5A is a data transmission path through which the processor 1A, memory 2A, peripheral circuit 4A, and input/output interface 3A exchange data with each other. The processor 1A is, for example, an arithmetic processing device such as a CPU or a GPU (Graphics Processing Unit). The memory 2A is, for example, a RAM (Random Access Memory) or a ROM (Read Only Memory). The input/output interface 3A includes an interface for acquiring information from an input device, an external device, an external server, an external sensor, a camera, etc., an interface for outputting information to an output device, an external device, an external server, etc. . Input devices include, for example, a keyboard, mouse, microphone, touch panel, physical button, camera, and the like. Examples of the output device include a display, a speaker, a printer, and a mailer. The processor 1A can issue commands to each module and perform calculations based on the results of those calculations.

Next, an example of the functional configuration of the transfer management system 10 will be described. FIG. 4 shows an example of a functional block diagram of the transfer management system 10. As illustrated, the transfer management system 10 includes a transfer error information acquisition section 13 and a distribution section 14. Note that the sending business information storage unit 11 and the receiving business information storage unit 12 may be included in the transfer management system 10 or may be included in another device configured to be able to communicate with the transfer management system 10. .

The transfer error information acquisition unit 13 acquires transfer error information indicating that a transfer process executed by the first financial institution as a recipient financial institution resulted in a transfer error from the accounting system host 20 of the first financial institution. When a transfer process executed as a recipient financial institution results in a transfer error, the accounting host 20 transmits transfer error information to the transfer management system 10.

In this specification, "acquisition" refers to "a process in which the own device retrieves data stored in another device or storage medium (actively)" based on user input or program instructions. (e.g., requesting or interrogating and receiving from other devices, accessing and reading other devices or storage media, etc.), and based on user input or program instructions. "Inputting data output from another device into one's own device (passive acquisition)," for example, waiting to receive data sent from an external device, and receiving data sent from the external device. receiving, receiving data distributed (or sent, push notification, etc.) from an external device, selecting and acquiring data or information received, and "editing data (text generating new data by converting data, rearranging data, extracting part of data, changing file format, etc.) and acquiring the new data.

If the sending financial institution for the transfer process that resulted in a transfer error is the first financial institution, the allocating unit 14 causes the sending business information storage unit 11 to store the transfer error information. On the other hand, if the sending financial institution for the transfer process that resulted in a transfer error is an external financial institution, the distribution unit 14 causes the destination business information storage unit 12 to store the transfer error information. The allocation unit 14 can determine whether the sending financial institution is the first financial institution or an external financial institution based on the content of the transfer message of the transfer process that resulted in the transfer error.

The destination business information storage unit 11 stores destination business information that is viewed by the destination business operator. The destination business information storage unit 11 stores destination business information regarding the destination business of a plurality of branches of a first financial institution. Then, the destination business operator picks up the destination business information stored in the destination business information storage section 11 and processes it. That is, the outbound business operator processes the outbound business of multiple branches of the first financial institution.

The directed work information storage unit 12 stores the directed work information that is viewed by the directed work operator. The directed business information storage unit 12 stores directed business information regarding the directed business of a plurality of branches of a first financial institution. Then, the destination business operator picks up the destination business information stored in the destination business information storage section 12 and processes it. That is, the directed business operator processes the directed business of a plurality of branches of the first financial institution.

FIG. 5 schematically shows an example of the destination business information stored in the destination business information storage section 11. The illustrated destination business information includes a serial number, a processing date, a processing time, client information, transfer destination information, an amount, and a processed flag. Note that the destination business information may not include some of the illustrated items or may include other items.

The serial number indicates information for mutually identifying a plurality of destination operations. For example, it may be information that mutually identifies the transfer requests included in the transfer message that caused the transfer error.

The processing date indicates the date on which the transfer process that resulted in the transfer error was executed.

The processing time indicates the time when the transfer process that resulted in the transfer error was executed.

The client information indicates information regarding the transfer client for the transfer process that resulted in a transfer error. For example, it includes the name of the transfer requester, account information, etc.

The transfer destination information indicates information regarding the transfer destination of the transfer process that resulted in a transfer error. For example, it includes the name of the deposit account holder and other account information.

The amount indicates the amount to be transferred in the transfer process that resulted in a transfer error.

The processed flag indicates whether each destination business has been processed. The initial value of the processed flag indicates unprocessed, and is changed to processed at an arbitrary timing thereafter.

FIG. 6 schematically shows an example of the directed work information stored in the directed work information storage unit 12. The illustrated inbound business information includes a serial number, a processing date, a processing time, client information, transfer destination information, an amount, and a processed flag. Note that the destination business information may not include some of the illustrated items or may include other items.

The serial number indicates information for mutually identifying a plurality of directed tasks. For example, it may be information that mutually identifies the transfer requests included in the transfer message that caused the transfer error.

The processing date, processing time, client information, transfer destination information, and amount are the same as each item of the destination business information.

The processed flag indicates whether each directed business has been processed. The initial value of the processed flag indicates unprocessed, and is changed to processed at an arbitrary timing thereafter.

Next, an example of the processing flow of the transfer management system 10 and the accounting host 20 will be described using the sequence diagram of FIG. 7.

First, the accounting system host 20 is an ATM (automatic teller machine), a PC (personal computer), a smartphone, a tablet terminal, etc. that is logged into the financial institution system of the first financial institution via the first financial institution's homepage or application. A transfer request (transfer message) is obtained from the user terminal of the computer or the system of an external financial institution (S10). Next, the accounting host 20 executes a transfer process based on the obtained transfer request (S11). Here, it is assumed that a transfer error has occurred. Then, the accounting host 20 transmits transfer error information indicating that the transfer process executed as the recipient financial institution resulted in a transfer error to the transfer management system 10 (S12).

Thereafter, the transfer management system 10 determines whether the sending financial institution for the transfer process that resulted in the transfer error is the first financial institution (S13). Then, the transfer management system 10 stores the transfer error information in the storage unit (the destination business information storage unit 11 or the destination business information storage unit 12) determined based on the determination result (S14).

Next, an example of the processing flow of the transfer management system 10 (the portions S12 to S14 in FIG. 7) will be described using the flowchart in FIG. 8.

When the transfer management system 10 acquires transfer error information indicating that a transfer process executed by the first financial institution as a recipient financial institution resulted in a transfer error from the accounting system host 20 (S20), the transfer management system 10 determines the destination of the transfer process. It is determined whether the financial institution is the first financial institution (S21). The transfer management system 10 can determine whether the sending financial institution is the first financial institution based on the content of the transfer message of the transfer process that resulted in the transfer error.

If the destination financial institution is the first financial institution (Yes in S21), the transfer management system 10 stores the transfer error information in the destination business information storage unit 11 that stores the destination business information that is viewed by the destination business operator. (S22).

On the other hand, if the sending financial institution is not the first financial institution (No in S21), the transfer management system 10 stores the transfer error in the destination business information storage unit 12 that stores the destination business information viewed by the destination business operator. The information is stored (S23).

The sending business operator picks up the transfer error information stored in the sending business information storage section 11 and processes it. For example, the remittance operation operator identifies the remittance requester for the remittance process that resulted in the remittance error based on the collected remittance error information, makes an inquiry to the identified remittance requester by telephone, etc., and makes a response (return of funds or correction of the transfer message). ) is determined (S103 in FIG. 13). Then, the destination business operator executes the process based on the determined response content (S107 in FIG. 13).

On the other hand, the destination business operator picks up the transfer error information stored in the destination business information storage section 12 and processes it. For example, the receiving operation operator may identify the sending financial institution for the transfer process that caused the transfer error based on the picked up transfer error information, send the transfer error information to the specified sending financial institution, and inquire about the response ( S102 in FIG. 13), receives a reply to the inquiry (S104 in FIG. 13), and executes the response indicated in the reply (S105 in FIG. 13).

As described above, the transfer management system 10 of the present embodiment determines whether the sending financial institution is the first financial institution when the transfer process executed by the first financial institution as the recipient financial institution results in a transfer error. Appropriate processing can be executed accordingly.

Specifically, if the sending financial institution is the first financial institution, transfer error information is stored in the sending business information storage unit 11 that stores sending business information that is viewed by the sending business operator, and the sending business operator can be processed. As a result, the exchange of information between the sending financial institution and the receiving financial institution and the processing at the receiving financial institution can be omitted.

On the other hand, if the sending financial institution is an external financial institution, the transfer error information is stored in the receiving business information storage unit 12 that stores the receiving business information that is viewed by the receiving business operator, and It can be processed. As a result, error handling can be performed using the same method as before.

As described above, according to the transfer management system 10 of the present embodiment, the process to be executed when a transfer error occurs, specifically, when a transfer error occurs and the sending financial institution and the receiving financial institution are the same. This can simplify the process for financial institutions. Further, according to the transfer management system 10, appropriate processing can be executed depending on the situation.

Further, the transfer management system 10 of the present embodiment determines whether the sending financial institution is the first financial institution when a transfer process executed by the first financial institution as the receiving financial institution results in a transfer error. have the means to judge. By having this means, as described above, it is possible to execute appropriate processing depending on the situation.

<Second embodiment>
In the transfer management system 10 of this embodiment, the function of the distribution section 14 is different. If the sending financial institution for the transfer process that resulted in a transfer error is the first financial institution, the transfer unit 14 stores the transfer error information with information indicating that the transfer process has been completed in the destination business information storage unit 12. At the same time, the transfer error information with information indicating that it has not been processed is stored in the destination business information storage section 11. The other configuration of the transfer management system 10 is the same as that of the first embodiment. Furthermore, the configurations of other elements other than the transfer management system 10 are the same as in the first embodiment.

Next, an example of the processing flow of the transfer management system 10 (portions S12 to S14 in FIG. 7) will be described using the flowchart in FIG. 9.

When the transfer management system 10 acquires transfer error information indicating that a transfer process executed by the first financial institution as a recipient financial institution resulted in a transfer error from the accounting system host 20 (S30), the transfer management system 10 determines the destination of the transfer process. It is determined whether the financial institution is the first financial institution (S31). The transfer management system 10 can determine whether the sending financial institution is the first financial institution based on the content of the transfer message of the transfer process that resulted in the transfer error.

If the sending financial institution is the first financial institution (Yes in S31), the transfer management system 10 stores the transfer error information with information indicating that it has been processed in the destination business information storage unit 12. (S32), the transfer error information with information indicating that it has not been processed is stored in the destination business information storage unit 11 (S33).

On the other hand, if the sending financial institution is not the first financial institution (No in S31), the transfer management system 10 stores the transfer error information with information indicating that it has not been processed in the destination business information storage unit 12. (S34).

In addition, in both cases where the sending financial institution is the first financial institution and cases where the sending financial institution is not the first financial institution, if a transfer error occurs due to a slight name difference, etc., the account system host 20 or the transfer management There are cases where System 10 etc. automatically corrects it and automatically deposits the money. In this case, the transfer error information with information indicating that it has been processed may be stored in the destination business information storage unit 12.

As described above, in the transfer management system 10 of the present embodiment, when the transfer process executed by the first financial institution as the recipient financial institution results in a transfer error, and the sending financial institution is the first financial institution, Transfer error information with information indicating that it has been processed is stored in the destination business information storage unit 12, and transfer error information with information indicating that it has not been processed is stored in the destination business information storage unit 11. to be memorized.

According to the transfer management system 10, the same effects as the transfer management system 10 of the first embodiment can be achieved.

Furthermore, by storing the transfer error information with information indicating that it has been processed in the directed business information storage unit 12, all the directed business that occurred at the first financial institution can be stored. . Further, by storing the transfer error information in the destination business information storage unit 12 with information indicating that the process has been completed, it is possible to avoid the inconvenience of having the destination business operator perform unnecessary work.

<Third embodiment>
The transfer management system 10 of this embodiment has a function of automatically returning funds returned from an external financial institution due to a transfer error to the deposit account of the transfer requester, without any processing by an operator, if predetermined conditions are met. has. In this embodiment, the first financial institution that has introduced the transfer management system 10 functions as the sending financial institution.

An example of the hardware configuration of each of the transfer management system 10, accounting host 20, and operator terminal 30 is the same as in the first and second embodiments.

FIG. 10 shows an example of a functional block diagram of the transfer management system 10. As illustrated, the transfer management system 10 includes a processing section 15. Although not shown, the transfer management system 10 may include a transfer error information acquisition section 13 and a distribution section 14. Further, the transfer management system 10 may include a destination business information storage section 11 and a destination business information storage section 12.

The configurations of the destination business information storage section 11, the destination business information storage section 12, the transfer error information acquisition section 13, and the distribution section 14 are the same as those in the first or second embodiment, so their descriptions are omitted here. do.

The processing unit 15 acquires a message from the accounting host 20 and executes processing according to the acquired message. The accounting host 20 has a transmitter 21 and a receiver 22. The transmitter 21 transmits a message including the calling number to the system 50 of the external financial institution. The receiving unit 22 receives a message containing the calling number included in the message transmitted by the transmitting unit 21 as a reference number from the system 50 of the external financial institution.

An example of the processing flow of the transfer management system 10 and the accounting host 20 will be described using the sequence diagram of FIG. 11. The first financial institution that has introduced the transfer management system 10 is the sending financial institution, and the external financial institution is the receiving financial institution.

First, the transmitting unit 21 of the accounting host 20 transmits a first message regarding a transfer request (transfer message: transfer request) to the system 50 of the external financial institution (S40). The first telegram includes a first calling number.

Next, the external financial institution's system 50 executes a transfer process based on the first message (S41). Here, it is assumed that a transfer error has occurred.

If the transfer process according to the first message results in a transfer error, the external financial institution's system 50 transmits a second message (transfer error information) inquiring about the response. Then, the receiving unit 22 of the accounting host 20 receives the second message transmitted from the system 50 of the external financial institution in response to the transfer error (S42). The second message includes the first calling number included in the first message as a reference number.

Next, the accounting host 20 transmits the second message to the transfer management system 10 (S43). The processing unit 15 of the transfer management system 10 determines the content of the response to the transfer error by executing the process of having the operator view the second message, the process of accepting input of the response content from the operator, etc. (S44) . The response is to return the funds or correct the transfer message, but here it is assumed that the return of the funds has been decided.

The transfer management system 10 notifies the accounting host 20 of the determined response details (S45). Then, the transmitter 21 of the accounting host 20 transmits a third message (reversal request message: response details) indicating the response contents to the system 50 of the external financial institution (S46). The third message includes a second calling number different from the first calling number.

Next, the external financial institution's system 50 executes processing based on the third message (S47), and transmits a fourth message (replacement message: transfer information) indicating the details of the return (refund) of funds. do. Then, the receiving unit 22 of the accounting host 20 receives the fourth message transmitted from the system 50 of the external financial institution (S48). The fourth message includes the first call number included in the first message or the second call number included in the third message as a reference number.

Next, the accounting host 20 transmits the fourth message to the transfer management system 10 (S49). The processing unit 15 of the transfer management system 10 executes the funds return process based on the fourth message (S50).

Here, an example of the process flow of the transfer management system 10 in S50 of FIG. 11 will be described using the flowchart of FIG. 12. Note that the processing order is just an example, and the processing order can be changed as appropriate as long as the same result can be obtained.

First, the processing unit 15 of the transfer management system 10 checks whether a fund return account is registered in association with the transfer requester for the transfer process that resulted in a transfer error (S51). For example, a fund return account to which funds are returned in the event of a transfer error may be registered in advance by any means in association with each customer who has a deposit account at the first financial institution. In addition, each time a transfer request is accepted, a fund return account may be registered to which funds are returned if a transfer error occurs. In this case, the transfer requester also registers the fund return account when inputting the transfer request via an ATM, customer terminal, or the like. Furthermore, when requesting a transfer by filling out a form at the counter of a financial institution, the transfer requester notifies the person in charge at the financial institution of the account for returning funds. The person in charge at the financial institution registers the received transfer request and funds return account.

If the fund return account is not registered (No in S51), the process advances to S55.

If a fund return account is registered (Yes in S51), the processing unit 15 sends the first call number included in the first message (transfer message: transfer request) sent and received in S40 and It is determined whether the introduction number included in the transmitted and received fourth message (replacement message: replacement information) matches (S52).

If they match (Yes in S52), the process advances to S54.

If they do not match (No in S52), the processing unit 15 uses the second calling number included in the third message (return request message: correspondence content) sent and received in S46 and the fourth message sent and received in S48. It is determined whether the introduction number included in the message (replacement message: replacement information) matches (S53).

If they match (Yes in S53), the process advances to S54. If they do not match (No in S53), the process advances to S55.

In S54, the processing unit 15 sends an instruction to the account system to link the returned funds indicated by the fourth message to the transfer requester of the transfer process that resulted in the transfer error and deposit them into the pre-registered fund return account. The information is transmitted to the host 20, and the deposit processing is executed. That is, the processing unit 15 determines that the funds return account is registered in association with the transfer requester, and that the first calling number included in the first message and the third calling number included in the third message are If any of the numbers matches the reference number included in the fourth message, a process is executed to deposit the return funds indicated in the fourth message into the fund return account.

In S55, the processing unit 15 executes a process of inquiring about a deposit account to which funds are to be returned to the operator. That is, if a funds return account is not registered in association with the transfer requester, the processing unit 15 executes a process of inquiring the operator about the deposit destination of the returned funds indicated by the fourth message. Furthermore, if neither the first calling number included in the first message nor the third calling number included in the third message match the reference number included in the fourth message, the processing unit 15 A process of inquiring the operator about the destination of the returned funds indicated in the fourth message is executed.

According to the transfer management system 10 of the present embodiment described above, if predetermined conditions are met, funds returned from an external financial institution due to a transfer error are automatically transferred to the transfer client's deposit without any processing by an operator. It can be returned to your account. As a result, the process executed when a transfer error occurs can be simplified.

In addition, the transfer management system 10 controls the first call number included in the first message (transfer message: transfer request) and the third call number included in the third message (return request message: response content). If either one matches the reference number included in the fourth message (replacement message: replacement information), the automatic return is executed. By executing the automatic return described above only when the conditions are met, it is possible to suppress the inconvenience of returning funds to the wrong deposit account.

Further, as the reference number included in the replacement message, there are cases where the calling number included in the transfer message is entered, and cases where the calling number included in the reversal request message is entered. Which one will be filled in depends on the financial institution or operator, and it is difficult to predict exactly which one will be filled in. Therefore, in this embodiment, if either the calling number included in the transfer message or the calling number included in the refund request message matches the reference number included in the replacement message, the automatic return is executed. Configure. Therefore, even in a situation where it is difficult to accurately predict the reference number included in the replacement message as described above, the automatic return can be accurately executed.

Note that when the transfer management system 10 of this embodiment has the same configuration as the first or second embodiment, it can achieve the same effects as the first or second embodiment.

Part or all of the above embodiments may be described as in the following supplementary notes, but the embodiments are not limited to the following.
1. Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , has processing means for executing processing according to the acquired message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
The processing means includes:
A funds return account is registered in association with the transfer requester, and either the first calling number included in the first message or the third calling number included in the third message If the number matches the reference number included in the fourth message, the transfer management system executes a process of depositing the return funds indicated in the fourth message into the fund return account.
2. In the transfer management system described in 1.
The processing means is a transfer management system that executes a process of inquiring to an operator the destination of the return funds indicated in the fourth message if the fund return account is not registered in association with the transfer requester. .
3. In the transfer management system described in 1 or 2,
The processing means is configured such that both the first calling number included in the first message and the third calling number included in the third message are the reference number included in the fourth message. If they do not match, the transfer management system executes a process of inquiring the operator about the destination of the returned funds indicated in the fourth message.
4. The computer is
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , execute a processing step that executes processing according to the obtained message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
In the treatment step,
A funds return account is registered in association with the transfer requester, and either the first calling number included in the first message or the third calling number included in the third message If the number matches the reference number included in the fourth message, the transfer management method executes a process of depositing the return funds indicated in the fourth message into the fund return account.
5. computer,
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , function as a processing means to execute processing according to the acquired message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
The processing means includes:
A funds return account is registered in association with the transfer requester, and either the first calling number included in the first message or the third calling number included in the third message A program that executes a process of depositing the return funds indicated in the fourth message into the fund return account if the number matches the reference number included in the fourth message.

Although the present invention has been described above with reference to the embodiments (and examples), the present invention is not limited to the above embodiments (and examples). The configuration and details of the present invention can be modified in various ways that can be understood by those skilled in the art within the scope of the present invention.

1A processor 2A memory 3A input/output I/F
4A Peripheral circuit 5A Bus 1 Center 2 Branch 10 Transfer management system 11 Sending business information storage section 12 Receiving business information storage section 13 Transfer error information acquisition section 14 Distribution section 15 Processing section 20 Accounting system host 21 Transmission section 22 Receiving section 30 Operator terminal 40 Communication network 50 External financial institution system 100 First financial institution

Claims (4)

Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , has processing means for executing processing according to the acquired message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
The processing means includes:
If a funds return account is registered in association with the transfer requester, and the first calling number included in the first message matches the reference number included in the fourth message, executing a process for depositing the return funds indicated by the fourth message into the fund return account;
If the fund return account is not registered in association with the transfer requester, the transfer management system executes a process of inquiring an operator about the destination of the return funds indicated in the fourth message. In the transfer management system according to claim 1 ,
The processing means is configured such that both the first calling number included in the first message and the third calling number included in the third message are the reference number included in the fourth message. If they do not match, the transfer management system executes a process of inquiring the operator about the destination of the returned funds indicated in the fourth message. The computer is
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , execute a processing step that executes processing according to the obtained message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
In the treatment step,
If a funds return account is registered in association with the transfer requester, and the first calling number included in the first message matches the reference number included in the fourth message, executing a process for depositing the return funds indicated by the fourth message into the fund return account;
If the fund return account is not registered in association with the transfer requester, the transfer management method executes a process of inquiring the operator about the destination of the return funds indicated in the fourth message. computer,
Obtaining a message from an accounting system host having a transmitting means for transmitting a message including the calling number to a system of an external financial institution, and a receiving means for receiving a message including the calling number as a reference number from the system of the external financial institution. , function as a processing means to execute processing according to the acquired message,
The transmitting means transmits a first message regarding the transfer request to the system of the external financial institution,
The receiving means receives a second message inquiring about the response details sent from the system of the external financial institution in response to the transfer error;
The transmitting means transmits a third message indicating the response content to the system of the external financial institution,
The receiving means receives a fourth message indicating the details of the return of funds from the system of the external financial institution,
The processing means includes:
If a funds return account is registered in association with the transfer requester, and the first calling number included in the first message matches the reference number included in the fourth message, executing a process for depositing the return funds indicated by the fourth message into the fund return account;
If the funds return account is not registered in association with the transfer requester, the program executes a process of inquiring the operator about the deposit destination of the returned funds indicated in the fourth message.

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