JP2002157427A - Financial institution computer system with transfer data establishing processing function through internet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system with high safety by installing a transfer repeater dealing with Web through the Internet to a financial institution and connecting the host computer. SOLUTION: The transfer repeater dealing with the Web is provided with job software. A company user prepares transfer destination data by the job software through the Internet at a terminal, the prepared data are converted to a transfer destination data transmission format receivable by the host computer and a means for performing establishing processing so as to inhibit the change of the contents except for the transfer manager of a company and transmitting them to the host computer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a Web-compatible transfer relay device that receives transfer destination data transmitted from user client terminals of a plurality of companies via the Internet, and performs a transfer operation of bank transfer processing. A financial institution computer system comprising a host computer mainly including a financial institution accounting system for receiving data from the transfer relay device and performing a transfer process to each of the transfer destinations, particularly a transfer destination created by a user terminal The present invention relates to a highly reliable system that performs a decision process on data and has security that cannot be changed thereafter.

[0002]

2. Description of the Related Art Conventionally, when data of a transfer destination is transmitted from a terminal of each transfer person in a company to a host computer of a financial institution or a bank, conventionally, a dedicated line or ISDN is used.
And so on, via telephone communication lines.

[0003] However, the number of remittances of each company sometimes reaches several thousands a day, and the amount of remittance data is extremely large.

[0004] Therefore, a lot of labor costs and time are required for managing this without fail and processing the business.
Also, because of the large amount of data, the security and security of remittance by transmission also became a problem, and the corresponding equipment costs were not small.

[0005]

SUMMARY OF THE INVENTION The present invention has been made in view of the above points, and has as its object the following.
In a computer system of a financial institution connected to the transfer user terminals of a plurality of companies via the Internet, the computer system responds to a host computer and a request for transmission of a business software input screen from the user terminal,
A Web for sending the screen, receiving the transfer destination data into which the data has been input, converting the transfer destination data into a transfer destination data transmission format capable of performing a transfer business process, and relaying the transfer to the host computer.
The transfer destination data is configured so that if the transfer user determines that there is no error in the data and the transfer data is confirmed data, the transfer processing can be performed so that the transfer data cannot be changed, thereby ensuring high security and security. Install computer systems in finance so that companies can reduce labor and equipment costs.

[0006]

To solve the above-mentioned problems, a financial institution computer system with a transfer data confirmation processing function via the Internet according to the present invention responds to access via the Internet from user client terminals of a plurality of companies. And send the business software input screen, receive the input transfer destination data, and perform the transfer operation of the bank transfer process. A Web compatible transfer relay device, receive the data from the transfer relay device, and perform the transfer process to each transfer destination A financial institution computer system comprising a host computer mainly including a financial institution accounting system, wherein the web-compatible transfer relay device includes a firewall that communicates with the user client terminal via the Internet. The user specified at the terminal via the server and its Web server An application server that performs an electronic transfer business by sending a data entry screen of business software to the terminal and receiving the transfer destination data created by the terminal and transmitting the data to the host computer; a designated business software transmission screen and creation of the transfer destination data The terminal has at least a database required by the terminal, and when the user determines the content of the transfer destination data at the terminal, when the content is determined to be finalized data, a finalization flag is attached to the data so that the data cannot be changed thereafter. It is characterized by.

In addition, the database specifies a user who is a transfer person or a person in charge of the transfer, and a use authority database registered by a financial relations manager of each company which defines the respective use authority range; An authentication database in which ID codes and passwords for each corporate user for authentication are registered; a transfer destination data intermediate file database for each company in which transfer destination data received from a transfer staff terminal is recorded in a text file format; When the person in charge confirms that the contents of the transfer destination data intermediate file have been finalized on the terminal, the transfer destination data intermediate file is flagged with a flag so that it cannot be changed in the future. A flag code that is not changed is registered, and the intermediate file with the fixed flag code is stored in the host computer. And a transfer destination data transmission file database converted to transfer the data transmission format that can accommodate at least, in response to the subscription request from the corporate financial relationship manager, application for Web for that client terminal
Send the screen and let the user of that company distinguish between the person in charge of transfer and the person in charge of transfer, and enter their respective usage rights,
A use right / password registration means for inputting and receiving an ID code and a password indicating the affiliation of each user and registering them in the use right / authentication database, respectively; and a business software input processing screen transmission request from the user. In response, a Web screen for use application is transmitted to the terminal, and at least the user name, company name, ID code, password, and business application software are entered, and the user authority is verified by collating the use authority / authentication database. An authentication means for confirming the use authority, and, if the authenticated user is a transfer person, send an input processing screen of the business application software of the person in charge, receive a result of creating the transfer destination data, and receive the transfer destination data. An input processing screen transmission / transfer destination data receiving means for recording in the intermediate file database, and a transfer destination data intermediate file created by the transfer person; Transfer destination data confirmation processing means to write the confirmation flag code to the transfer destination data intermediate file so that it cannot be changed afterwards, and if the authenticated user is the transfer manager, create a transfer person under the management The transferred transfer destination data intermediate file is called from the database and transmitted to the terminal, and the transfer manager confirms the data, and if so, inputs the data on the transfer data transmission input screen and performs the transfer data transmission format conversion. A transfer destination data confirmation / transmission means for allowing at least the user's password to be input, receiving and recording in the transfer destination data transmission file database, and transmitting the same to the host computer; When it is necessary to correct the intermediate file, the use right A transfer destination data intermediate file modification means to correct the program for state change dividing, characterized in that it comprises a processing request data transmission means for processing request the transfer data the determined to the host computer.

[0008] In the determination processing, a field indicating a data state is provided in a field on the database, and each of the transfer destination data indicates a state indicating whether the transfer destination data is being created, determined, or transmitted. Creating flag,
A decision flag and a sent flag are written, and the database server controls the operation based on the flags.

[0009] Further, the Web-compatible transfer relay device is provided for a business operator that provides a processing service for providing a business processing application under a usage contract with the plurality of companies.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram of a financial institution computer system 10 having a transfer data confirmation processing function via the Internet according to the present invention, and a Web browser of a corporate user connected to the financial institution computer system 10 via an Internet line 20. 1 shows a client terminal 30 including 30a.

The financial institution computer system 10
Is a web-based transfer relay device that transmits a business software input screen in response to access from the user client terminals 30 of a plurality of companies via the Internet, receives input transfer destination data, and performs a relay operation of bank transfer processing. 10a
And a host computer 10b, mainly a financial institution accounting system, which receives data from the transfer relay device 10a and performs a transfer process to each transfer destination, and a W which connects a communication line therebetween.
An AN dedicated line 10c.

[0013] Here, the web-compatible transfer relay device includes:
A firewall 11, a Web server 12 that communicates with the client terminal 30 via the Internet, and a data input screen of business software specified by the user at the terminal 30 via the Web server 12 to the terminal 30,
It manages the application server 13 that receives the transfer destination data created by the terminal 30 and sends it to the host computer 10b, which performs the electronic transfer business, the designated business software transmission screen, and the database 15 that is necessary for creating the transfer destination data. An interface unit 18 including a database server 14, a data input / output processing terminal 16, and a modem unit for communicating with the host computer 10b.
And a FAX 19 for receiving a processing request from the telephone communication line 90 for confirming a processing request for the transfer destination data.

More specifically, the database 15 of the web-based transfer relay device 10a specifies whether the user is a transfer person or a transfer manager, and a financial relations manager of each company that defines the respective use authority ranges. There is provided a use authority / authentication database 15a comprising a registered use authority database 15a-1 and an authentication database 15a-2 in which ID codes and passwords of the respective corporate users for user authentication are registered.

Further, a transfer destination data intermediate file database 15b for each company which records the transfer destination data received from the transfer representative terminal 30 in a text file format, and the transfer representative creates the transfer destination intermediate file contents on the terminal 30 and stores the contents of the transfer destination intermediate file. When it is confirmed that the file is confirmed, a flag code is attached to the intermediate file so that it cannot be changed thereafter, and a flag code that does not change the intermediate file is registered as long as the flag is attached, and the flag code is added. Transfer destination data transmission file database 1 in which an intermediate file is converted into a transfer data transmission format that can be supported by the host computer 10b
5c.

Further, the system includes various business software databases 15d for transmitting business software input screens designated by the user in units of predetermined Web screens.

Next, the application server 13 transmits an application Web screen to the client terminal 30 in response to the subscription request from the corporate financial relations manager, and the user of the corporate The user is required to enter the use authority, to enter the ID code and password indicating the affiliation of the user, to receive the data, and to register the data in the use authority / authentication database 15a, respectively. Authority / password registration means 13a
Is provided.

Also, in response to a business software input processing screen transmission request from the user, the terminal 30 uses
An authentication means 13b for transmitting a screen, inputting at least a user name, a company name, an ID code, a password, and use business software, and collating the use authority / authentication database 15a to confirm user authentication and use authority. Prepare.

When the authenticated user is the person in charge of the transfer, the business software database 15d is searched, the input processing screen of the used business software is transmitted, and the result of the creation of the transfer destination data is received. An input processing screen transmission / transfer destination data receiving means 13c for recording in the intermediate file database 15b is provided.

The transfer destination data determination processing means 13d for determining the contents of the transfer destination data intermediate file created by the transfer person and writing a determination flag code to the transfer destination data intermediate file database 15b so that it cannot be changed thereafter.

When the authenticated user is the transfer manager, the transfer destination data intermediate file created by the transfer manager under the management is called from the database 15b and transmitted to the terminal 30 for display. If the user wants to confirm the data, the transfer data transmission input screen is displayed on the terminal 30.
To the transfer data transmission format, and enter at least the password of the responsible person.
0 and transfer destination data transmission file database 1
The transfer data is transmitted to the host computer 10b by providing a transfer request data confirmation / transmission unit 13e for recording the transfer request data to the financial institution by the processing request data transmission unit 13g.

When the transfer manager needs to correct the data in the transfer destination data intermediate file, the transfer authority deletes the fixed flag code of the intermediate file according to the use authority. It is provided with a transfer destination data intermediate file correcting means 13f.

In the determination processing, a field indicating the state of data is provided in a field on the database, and the transfer destination data indicates a state indicating whether the data is being created, has been determined, or has been transmitted. The flag and the transmitted flag are written, and the database server 14 controls the operation of the database 15 according to this state.

Next, FIGS. 2 and 3 show the flow of operation of the computer system 10 of the financial institution with a transfer data confirmation processing function via the Internet according to the present invention.

The financial institution computer system 10 transmits an application Web screen to the terminal 30 in response to a subscription request from a corporate financial relations manager in advance, and distinguishes and uses a transfer manager and a transfer manager. Authority, affiliation ID code, and password are entered to use system 10
It is registered in the authentication database 15a (S21).

The system 10 responds to the business software input processing screen transmission request from the user and sends the use application W to the terminal 30.
An eb screen is transmitted, and at least a user name, a company name, an ID code, a password, and use business software are input, and the database 15a is checked to confirm the authentication and use authority of the user (S22).

When the authentication of the user is a transfer person,
The system 10 searches the business software database 15d, transmits the input processing screen of the business software to be used for each unit Web screen, receives the transfer destination data creation result, and records it in the transfer destination data intermediate file database 15b (S2).
3).

When the person in charge of transfer performs "determination processing" on the contents of the transfer destination data intermediate file at the terminal 30, the system 10 receives the access signal and sets the transfer amount determination flag in the intermediate file of the database 15b. (S24).

In step S22, if the user is authenticated as the transfer manager, the system 10 calls all the transfer destination data intermediate files created by the transfer manager under the management from the database 15b and sends them to the terminal 30. Send and display and confirm the data as the transfer manager (S
31).

If there is no error in the confirmation at the terminal 30, the system 10 receives the confirmation signal and transmits an input screen for the transfer data transmission to the terminal 30 to be inputted and converted into a "transfer data transmission format". The password of the recipient is input, received by the system 10, recorded in the transfer destination data transmission file database 15c, and transmitted to the host computer 10b (S32).

When the transfer manager needs to modify the data of the transfer destination data intermediate file at the terminal 30, a program for performing a "state change" for deleting the confirmation flag code of the intermediate file by the use authority Is executed, correction is made, and then a confirmation flag is added again and recorded in the database 15b (return to step S32).
(S33).

The "determination process" in step S24 in FIG. 2 and the "state change" in step S33 will be described with reference to FIG.

FIG. 4 shows a case where the user performs “confirmation processing” on the terminal 30.
Or, the We for transfer destination data creation when performing "state change"
b input screen 40. Here, reference numeral 40a denotes an item indicating a state of creation, determination, or transmission of each of the transfer destination data. 40b indicates a designated date of transmission.

Here, when it is desired to confirm the state of "creating", select the line of "creating" and click on the "confirm button" 40c. The display of "medium" changes to "determined". This operation can be performed by a transfer person or a transfer manager.

Next, when the state of "confirmed" is released and the state is returned to "creating" and the transfer data is to be corrected, the line of "confirmed" to be corrected is selected, and the "change state" button is clicked. Clicking on "40d" changes the display of "finalized" of the status item 40a to "being created", and the line of the transfer data can be corrected.

However, when transmitting and displaying the transfer destination data input screen to the terminal 30, the application server 13 knows whether the user is a user who has the use authority of either the transfer person or the transfer manager. So, even if the person in charge of the transfer clicks on the "state change button" 40d, "under construction"
The display does not change.

Next, the "transfer data transmission format" in step S32 in FIG. 3 will be described with reference to FIG. Reference numeral 50 denotes an embodiment for creating a transfer data transmission format. The “Transfer data transmission format” is created for each transfer destination bank. Contract information item 50
In this embodiment, “a” is “send processing request”,
This item 50a may include a “transfer item” and may be transmitted so that there is no omission.

Reference numeral 50b denotes a password, which is a column for entering at least the password of the transfer manager. If the person in charge of the transfer confirms the above, he or she clicks the execute button 50c, and then clicks the send button 50d to send it to the host computer 10b where it is processed on the specified date.

In the embodiment described above, W
The web-based transfer relay device 10a is provided in a financial institution and is connected to the host computer 10b of the financial institution by a WAN dedicated line 10c.
May be implemented in a form in which a business operator (application service provider) that provides a business processing application providing processing service by making a usage contract with the plurality of companies is provided. According to this embodiment, it is possible to perform a transfer processing service with a plurality of financial institutions contracted by a business service application providing service providing service provider.

[0040]

According to the present invention, the computer system of the financial institution with the transfer data confirmation processing function via the Internet has the following effects.

That is, the financial institution computer system sends a transfer data input screen in response to a transmission request for a designated business software input screen from the host computer and user terminals of a plurality of companies, and inputs the transfer data input screen to the transfer person in charge. The transfer manager receives the payment, asks the transfer manager to confirm it, sends the input screen for transfer data transmission, and transfers the transfer destination data converted to the transfer destination data format that can be processed by banking to the host computer. It is composed of a Web-compatible transfer relay device to be transmitted, and furthermore, if the transfer destination data is determined to be fixed data without error, the settlement process can be performed so that the data cannot be changed. , Low maintenance costs,
Moreover, it is a highly secure and safe system for electronic transfer.

The settlement process cannot be canceled by the person in charge of transfer, but can be canceled by the person in charge of transfer management, so that the system can be maintained with high security and can be reasonably managed.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a financial institution computer system with a transfer data confirmation processing function via the Internet according to the present invention, and a corporate user client terminal connected to the system.

FIG. 2 is a flowchart of the operation of the financial institution computer system of the present invention.

FIG. 3 is a flowchart of the operation of the financial institution computer system of the present invention.

FIG. 4 is a diagram illustrating a “confirmation process” and a “state change” Web of the present invention.
It is an input screen explanatory view.

FIG. 5 is an explanatory diagram of a web input screen of a “transfer data transmission format” of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 Financial institution computer system 10a Web-supported transfer relay device 10b Host computer 10c Communication line connecting a WAN dedicated line or LAN 11 Firewall 12 Web server 13 Application server 13a Authority / password registration means 13b Authentication means 13c Input processing screen transmission / Transfer destination data receiving means 13d Transfer destination data confirmation processing means 13e Transfer destination data confirmation / transmission means 13f Transfer destination data intermediate file correction means 13g Processing request data transmission means 14 Database server 15 Database 15a Usage authority / authentication database (15a-1) ,
15a-2) 15b Transfer destination data intermediate file database 15c Transfer destination data transmission file database 15d Database for business software 16 Data input / output processing terminal 18 Interface circuit section including modem 19 FAX 20 Internet line 30 Corporate user (financial manager) -Client terminal of the person in charge of transfer and the person in charge of transfer management) 30a Web browser 40 Web input screen for transfer data creation 50 Transfer data transmission format Web input screen 90 Telephone communication line

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Kuroi Seiichi 2-1-1, Nishi-Shinjuku, Shinjuku-ku, Tokyo Inside the Obic Business Consultant Co., Ltd. (72) Tomohisa Takahashi 2 Nishi-Shinjuku, Shinjuku-ku, Tokyo No. 1-1, within Orbic Business Consultant Co., Ltd.

Claims (4)

[Claims] 1. A web-based transfer that sends a business software input screen in response to access via the Internet from user client terminals of a plurality of companies and receives input transfer-destination data to perform a relay business of a bank transfer process. A financial institution computer system comprising: a relay device; and a host computer mainly including a financial institution account system for receiving data from the transfer relay device and performing a transfer process to each transfer destination. The relay device sends to the terminal a Web server including a firewall that communicates with the user client terminal via the Internet, and a business software data input screen specified by the user at the terminal via the Web server. Electronic transfer for receiving the transfer destination data created by the terminal and transmitting it to the host computer When the user determines at the terminal that the contents of the transfer destination data are determined data, the application server is composed of at least an application server performing the transfer operation, a designated business software transmission screen, and a database required for the transfer destination data creation. A financial institution computer system with a transfer data confirmation processing function via the Internet, comprising a confirmation processing for adding a confirmation flag to the data so as not to be changed thereafter. 2. The database according to claim 1, wherein the user designates whether the user is a person in charge of transfer or a person in charge of the transfer, and a use authority database registered by a financial relations manager of each company which defines each use authority range; ID code for each corporate user for authentication
An authentication database in which a password is registered, a transfer destination data intermediate file database for each company that records the transfer destination data received from the transfer representative terminal in text file format, and a transfer destination data intermediate file created by the transfer representative on the terminal When the contents are confirmed to be fixed, a flag code is attached to the transfer destination data intermediate file so that it cannot be changed thereafter, and a flag code that does not change the intermediate file as long as the flag is added is registered. At least a transfer destination data transmission file database obtained by converting the intermediate file attached with a transfer data transmission format compatible with the host computer, and in response to a subscription request from the corporate financial relations manager, the client terminal To send an application Web screen to the Distinguish between the transfer clerk and the transfer manager, and input the respective use authority, and input and receive the ID code and password indicating the affiliation of each user, and register them in the use authority / authentication database, respectively. Use authority / password registration means, in response to a business software input processing screen transmission request from the user, transmits a use application Web screen to the terminal, and obtains a user name, company name, ID code, password, use business At least the software must be entered, and the authentication means for confirming the user's authentication and usage authority by checking the usage authority / authentication database, and, if the authenticated user is the person in charge of the transfer, Input processing screen transmission / transfer destination data to transmit the input processing screen, receive the transfer destination data creation result, and record it in the transfer destination data intermediate file database Transfer destination data determination processing means for determining the contents of the transfer destination data intermediate file created by the transfer person and writing a determination flag code to the transfer destination data intermediate file so that it cannot be changed thereafter; If the person in charge of the transfer is the person in charge of the transfer, the transfer destination data intermediate file created by the transfer
Retrieve the data from the database and send it to the terminal.The transfer manager confirms the data, and if so, enters the data on the transfer data transmission input screen, converts the transfer data transmission format, and enters at least the user's password. Transfer destination data confirmation / transmission means for receiving and recording in the transfer destination data transmission file database and transmitting to the host computer; and when the transfer manager needs to correct the data of the transfer destination data intermediate file Transfer destination data intermediate file correcting means for performing correction by means of a program for changing the state of deleting the finalization flag code of the intermediate file by the use right; and a processing request for requesting a host computer to process the determined transfer data. The data transmission means according to claim 1, further comprising: A financial institution computer system with a transfer data confirmation processing function via the Internet. 3. The determining process includes providing a field indicating a data state in a field on the database, and indicating a state indicating whether the transfer destination data is being created, fixed, or transmitted. 3. A financial institution computer system with a transfer data confirmation processing function via the Internet according to claim 1 or 2, wherein a writing flag, a confirmation flag, and a sent flag are written, and the database server controls the operation with the flags. . 4. The Internet according to claim 1, 2 or 3, wherein the Web-compatible transfer relay device is provided to a business operator that provides a business processing application providing service under a usage contract with the plurality of companies. Financial institution computer system with transfer data confirmation processing function via.